Christmas credit card application - charge card and unsecured credit card.


Credit Tips and Learning Center

Personal Privacy and Security Policy

New and Used Car Loans and RefinancingSecured and Unsecured Credit CardsCredit Report, Score, Repair and ProtectionDebt Counseling, Settlement and ConsolidationNew Home Purchase, 2nd Mortgage ReFi, Cash EquityShort and Long Term Personal Loans


What to do with extra money? Should you invest, save, or payoff high interest debt? Each person's situation is different, so there's no one straight answer. One thing to consider is if you have a credit card with a high rate and a large balance, paying it down may make more sense than placing the money into a 2% savings account. Also remember that investing can be a high gamble, so don't invest any money you simply cannot afford to lose.

                      

Credit Card application articles and tips

     

Free credit card search makes choosing a credit card easy. Browse the most popular, best credit cards. For added security against fraud, get a virtual credit card number. Apply for a pre-approved credit card offer based upon your credit history. If you don't know what cards you qualify for, a credit card prequalification service may be best for you by getting soft credit report pulls. Problem credit people should consider a credit card to rebuild credit or to establish credit. If you have no or very bad credit, consider bad credit card offers such as a secured credit card like a prepaid Visa, no credit check cards or other types of a guaranteed card. Or take advantage of special discounts offered by a store gift card. For very high risk people there are options other than a standard unsecured credit card, such as an online guaranteed platinum card for online store purchases, or possibly even qualify for a charge card or a discount card from retail stores like the WalMart card or the Sears card. Prepay credit card offers like a debit card or a bank ATM card. Excellent credit? ewards credit cards have perks such as a 0 intro balance transfer, benefits like a travel credit card that rewards free airline miles, a gas card, or family entertainment offers like the Disney credit card, apply for an unsecured platinum credit card. View current Credit card interest rates. Some cards offer no interest or a 0 introductory period on purchases. There are also some with a special 0% balance transfer period so you can transfer debt from other cards. Review credit card offers for features you may need such as a spouse joint credit card account. Other special offers include no deposit credit card, business credit card, student credit card and shopping cards like a Christmas credit card. Read the fine print, compare the card benefits, rewards and ratings before you submit an online application. Credit card types include gold credit card and platinum credit card offers: Visa credit card, such as the gold Visa card or the platinum Visa credit card. MasterCard credit card, such as the gold MasterCard or the platinum MasterCard. American Express card, such as the gold American Express card or the platinum American Express card. Chase card, such as the platinum Chase card or a rewards Capital One card. Discover card such as the gold Discover card or the platinum Discover card. Before you apply, review all the credit card facts. Once you get the card right for you, read every credit card statement carefully and request credit card companies to stop credit card mail offers. Browse more credit card resources. Guaranteed platinum credit card unsecured credit line - Some lines of credit are limited to catalog merchandise purchases. 0 interest credit card - Major credit card issuers, such as American Express, Chase, Discover, MasterCard and Visa, offer 0 intro credit cards for an introductory period. Most major issuers also have a Student Credit Card and a Secured Credit Card. Compare perks ranging from free airline miles, rebates, to cash back credit card incentives and other  Benefits of Credit Cards which vary according to the Types of Credit Cards  like a Debit Card, ATM Card or Unsecured Credit Card. Steps on how to Balance transfer credit card debt. Offset gasoline costs with a Gas Credit Card. Earn rewards or cash back on gas purchases from Shell, Exxon, BP and Hess. A Cash Back Credit Card is like having a bank savings account, and you can accrue some fabulous interest by comparison. Understand the universal default interest rate and Avoid credit card rate hikes like those common to some. Credit Cards with Rewards. Make all Credit card bill payments timely. Chase BP Credit Card Agreement. 'Tap & Go' Contactless Payment MasterCard PayPass. Carefully read all Credit Card Fine Print. Tips on how to get Credit Card Approval and using Secured Credit Card Shopping, Small Business Credit Card payment tool for managing business. MasterCard Card Promotions - New MasterCard Programs. MasterCard announces two new promotional programs: "MasterCard Monthly Bonus Sweepstakes", and "Small Business Zero Liability" Visa Contactless Mini Card - Visa created a mini card to make paying faster and more convenient. American Express Membership Rewards - American Express Membership Rewards Program offers unique rewards to members, retail and travel partners. Discover Card Ranking - Keynote Systems ranks Discover Card number one for online customer experience in the credit card industry. Discover Card Fraud Protection - Discover Card was ranked Best-In-Class for online fraud protection service and information. MasterCard Small Business Survey. Discover Card ATM Acceptance - Discover Card is now accepted at more ATMs nationwide. Visa Promotes Small Purchases - According to Visa, the bulk of credit card transactions are for purchases of $25.00 or less. Diners Club Credit Card - Diners Club wins the best Affinity/Charge Credit Card Program 'Freddie' Award. Bank credit card rewards - National City Bank is offering points for everyday tasks such as writing checks, paying bills online and using debit cards. Bonus points are offered for customers who open new accounts or get new loans. Free Credit Card Services - Credit Federal announces new, free credit card services for consumers. Credit Card Survey shows that credit cards are being used more and more, even for small purchases. Major Banks and Credit Card Issuers - According to the American Bankers Association, banks play a key role in financial education. Credit Card Fees - You might not be earning enough value if you are charged transaction fees. Usually credit card rewards are worth 1 or 2 percent of the amount charged. Pre Paid Visa Cards - Visa pre-paid card offers aimed to capture the debit card market. Visa Contactless prepaid cards are available to clients of Meta Payment Systems, MetaBank's prepaid card division. As with all Visa prepaid cards, the Visa Contactless prepaid card can be used anywhere Visa debit cards are accepted. Contactless debit cards offer consumers a secure and convenient alternative to cash and checks. Free Credit Card Tips - Avoid extra fees and high interest rates: Credit Card Use  for maximum score results, or as a one time use credit card purchase. Bill On Credit Card Bills - Proposed legislation would outlaw some credit card billing and interest rate practices that critics say confuse consumers and can push them deeper into debt. Top Credit Card FAQs with basic tips for secured and unsecured credit cards. Debit Cards Lack Credit Card Power - No doubt, debit cards are convenient and popular, but they lack the power of regular credit cards. Compare Credit Cards - Browse and compare credit cards according to rewards, APR interest rates and consumer ratings. Prevent Debit Card Fraud - Because of their convenience and power, debit card holders are potential scam victims. Bad Credit Card Marketing - Bank settles bad credit card marketing allegation of a fee nearly the credit line amount. Where Have Bad Credit Cards Gone - Sub-Prime (Bad Credit) Credit Card Offers seem to be vanishing from the internet. Not Good Credit Cards - Five major credit card issuers come in second to credit union card offers. Credit Card Interest Rate Cut Impact - What impact does the recent federal interest rate cut have on credit cards? New Credit Card Offers - There are new credit card offers; green is now added to silver, gold, platinum and titanium. Credit Card Savings Accounts - Rewards cards offer automatic deposit savings accounts. Poor Credit Card Application - Poor Credit Score? Credit card applications to choose. Baddest and Best Credit Cards - J.D. Power and Associates' ratings of the baddest and best credit cards. Personal Gift Credit Cards - Personal gift credit cards can offer more wow than simply giving cash. Gift Credit Card Shopping - Tips for Choosing the Best Gift Credit Cards for Holiday Shopping. UK Credit Card Rate Increases - More than one UK credit card company is increasing rates and fees. Purchased and Free Gift Cards - Some credit cards offer the ability to earn free gift cards, or you can buy gift cards directly from retailers. Credit Cards and Credit Reports - Certainly credit report scores decide if you get approved for a credit card and the interest rate you will pay, but what about future rate changes? Bad Credit and Credit Cards - While bad credit people can get credit card approval but at higher rates, now even good credit people are seeing interest rate increases. Bad Credit Card Issuers or Bad Practices? Will sub-prime, bad credit cards follow the same path of destruction as the sub-prime mortgages? Credit Card Fair Fee Act - Credit Card Fair Fee Act takes on Visa and MasterCard credit card companies to help business merchants negotiate transaction processing costs. Credit Card Phone Number Directory - Credit Card phone number directory. Directly call a credit card company, toll free. Keep Credit Card Accounts - credit card companies are closing some customers' credit card accounts in an attempt to save money. New Credit Card Company Rules Regulations - The federal government is proposing new credit card company rules and regulations to ensure cardholder fair treatment, particularly bad credit cards. Unfortunately, this may create higher interest costs for good credit people and no credit card offers for poor credit people. Store Charge Cards And Gas Credit Cards - Some people don't want; or don't qualify for, regular unsecured credit cards, and choose store charge cards and gas credit cards instead. Here are free tips for using them. Tips for Using Store Charge Cards and Gas Credit Cards. Negotiate Credit Card Interest Rate - If you've been a good customer with your credit card company, you can negotiate a lower credit card interest rate. Gas Credit Card Rewards - Gas credit card rewards can offer some relief via cash back.. Best Credit Card Benefits+Rewards - many of these go unused by cardholders. ATM Debit Card Fraud Tips - In support of ATM & Debit Card Safety Awareness month, PULSE; a Discover card product, offers tips on ATM and debit card use for privacy protection and to prevent fraud. Instantly Approved Pre Pay VS Platinum Rewards -  Before you compare perks and benefits, first weed out cards that may not help you. Subprime Credit Card Lawsuit - The Federal Trade Commission (FTC) files a lawsuit against CompuCredit and Jefferson Capital for its marketing of a subprime credit card. Avoid Over Limit Fees - ways to prevent going over-limit. Credit Card Secrets - Hidden facts you probably didn't know.. Credit Card FAQs - Common questions turned into credit card facts. Your Credit Card Rights - new credit card rules that eliminate several unfair practices in the credit and banking industry.. Cancel Credit Card Account - Before you cancel credit card accounts, read this article. Close Credit Card Account - Free sample letter on how to close credit card accounts. Credit Card Application - Browse for the secured or unsecured credit card that has the Best Credit Card Rate for you. Extra Joint Spouse Credit Cards - In addition to having a joint spouse credit card, there are occasions when you may want to have extra credit cards for rewards or other perks. Submit your good or bad credit card application online. Credit Cards Vs Checks - more companies plan to increase use of business credit cards instead of paper checks for making payments.Student Credit Card Advice - prevent high balances and to get a good credit score. Bad Credit Card Rap - Credit cards suffer a bad rap, much of which is undeserved. There are both good and bad credit card features. Federal Credit Card Survey Ratings - credit terms include type of plan; variable or fixed interest rates as well as other credit card rewards such as purchase discounts, travel points and cashback. Credit Card Interest Rate OptOut - If your credit card issuer has notified you that your card's interest rate will increase even though you don't have bad credit, you could negotiate a lower rate, optout completely. Really Free Credit Report with No Credit Card - one website offers a truly, really free credit report with no credit card required. Gas Cards with Rewards - Some gas cards with rewards include cash back when consumers charge for fuel or other auto related expenses. Sample Credit Card Dispute Letter - Print this free, sample credit card dispute letter to send to your card company. Apply For A Balance Transfer Credit Card - advice on what to look for before submitting your application. Canceling Credit Cards Causes Bad Credit - Canceling credit cards could cause bad credit if you reduce your credit history and available credit limit. Credit Card Interest Rate Rights and Options - If your issuer notifies you of a credit card interest rate increase, can you reject the higher rate? Learn your options and rights. How To Qualify for Credit Cards and rebuild bad credit. Joint Credit Card Accounts - Most gold and platinum unsecured credit cards offer an additional spouse card. No Fee Free Credit Card Offer - Is it really a no fee, free credit card, or only free if certain terms and conditions are followed? Credit Card Holder Rights Act is to protect you. Best Credit Card Deal Gone Bad - Chase; considered by many to have offered one of the best credit card deals for people carrying a large balance, has reneged on an agreement and upset card members.. Credit Card Opt Out Agreement - Does your issuer offer a credit card opt out agreement? Federal Credit Card Survey Ratings - Bi-annual Federal Reserve System ratings survey of plan terms offered by financial institutions and credit card issuers. The credit terms include type of plan; variable or fixed interest rates as well as other credit card rewards such as purchase discounts, travel points and cashback. Choosing the Lowest Interest Rate Unsecured Credit Cards - Free tips on choosing the lowest interest rate unsecured credit cards, from gold to platinum rewards. Credit Card Limit Cut - Was your credit card limit cut? Your options, and why government law pushed your credit card company to cut your max limit. Chargeoff Credit Card Debt To Avoid Bankruptcy - chargeoff credit card debt either yourself for free or by hiring a debt settlement company to negotiate on your behalf. Settle Credit Card Debt - Many have maxed out several credit cards and the late fees and high interest rates are getting them deeper in debt. Credit Card Medical Bill Payment - some people make medical bill payments with a credit card. Close Credit Card Account - instructions how, to close credit card accounts and the letter to send to the credit card company. Who Pays Joint Credit Card Account - Options to cancel a joint account or to remove a spouse name from a joint account, including payoff and negotiating a debt settlement. Best Credit Card Company - Whether you want a secured or unsecured credit card for bad credit or excellent credit, first review the best credit card company ratings before you submit your online application. Cancel Credit Card Advice Question - what do you do if you dispose of credit cards before canceling them? Credit Question: ATM Debit Card Tips for Secure Handling - Review our free ATM debit card tips for secure handling of your card and withdrawals. What is a credit card chargeoff - Typically a charge off is when a creditor, bank, or bill collector writes off a balance as "bad debt" because they believe they can't collect the debt. ATM Debit Cards and Rebuilding Credit - Facts and benefits of Debit Cards and how a credit card can rebuild credit. Balance Transfer and How to get the Best Credit Card Deal - Read our article before you balance transfer debt, and learn how to get the best credit card deal. Balance Transfer Credit Card Offers, Tips and Advice - Get the maximum benefit of 0 intro balance transfer credit card offers by reading these free tips and advice. New Credit Card Account Advice - Free credit card account advice about the rates and fees for new card offers before you submit an application. Bad Credit Card Application Advice - consider banks and credit card companies that specifically offer subprime cards to rebuild credit scores. Advice to Rebuild Credit with a Credit Card - Use the card to make small purchases that can be paid in full each month. Secured Prepaid Cards and Unsecured Credit Cards - There are a lot of choices and variables to choose from. Credit Card Deals and Education - With credit card education you will be best able to choose the right deals for you. Christmas Credit Card Shopping - Get shopping rewards through special Christmas credit card offers. Christmas Credit Card - Christmas credit card and shopping tips. Best Christmas gifts are low interest credit cards. What is Worse than a Credit Card? - Cellular phone companies have far worse negative impacts on consumers' finances. Credit Card Comparison Guide - Review introductory interest rates and special rewards offers to help you choose. Good or Bad Credit Card - Credit card issuers are trying to change their image from bad to good. Tips Before Submitting Credit Card Applications - Credit cards serve as a very important factor to obtain good credit if you pay off your balance monthly. Platinum Credit Card Prequalification - Why is a platinum credit card only for good credit people? Read our credit card article to learn about prequalification. Choosing a credit card right for you. - Article: Choosing a Credit Card Offers - which is best and best for you? Not only are there different issuers, there are many different types of credit cards, so how do you choose a card that's right for you? Prepaid Credit Card - Apply online, and learn he Benefits of a Pre-paid Credit Card. Read our free article: No Deposit Credit Card - No deposit credit card: Apply online, and read our credit card article. Preapproved Credit Card - Learn what is a preapproved credit card and apply online. You may already be pre-approved. Read our credit card article: What kind of card can I qualify for? - Have a difficult time choosing a credit card so you just apply for a lot of cards? Don't jeopardize your credit score and make bad credit even worse. Why People Choose Credit Cards - People choose credit cards because the benefits can outweigh the bad. Credit Card Error Codes: Response Reason Codes and Response Reason Text - This transaction has been approved. More Easily Understand Credit Card Agreements - ConsumerFinance.gov developed a shorter, simpler credit card agreement that spells out the terms for the consumer. Get Out of Christmas Credit Card Debt - advice on how to payoff, consolidate or to Chargeoff Christmas credit card debt. Credit Cards VS Charge Cards Which Is Better - there are important differences. Should I pay off my credit cards or my car loan first? Which option would save me the most money? - In most instances, focusing on paying off credit cards vs auto loans not only saves you more money, but may also help improve credit more, too: Bad Credit Debt Consolidation Loan to Pay Off Credit Cards - I'm a non-homeowner and I don't qualify for a debt consolidation loan. Is there a way I can get a bad credit loan to pay off credit card debt? Democrats Allow Higher Credit Card Fees - The Consumer Financial Protection Bureau acknowledged its proposal would increase costs for some cardholders and allow banks to charge more in fees. New Jersey Democrats To Hijack Idle Gift Card Balances - Democrats of New Jersey are eye-balling the unspent balances of their state residents' gift cards.What is the difference between a charge card and a regular credit card? - Charge cards are a type of credit card that require you to pay the full amount you've charged each month. There are no periodic finance charges, and charge cards often come with rewards. Use Extra Money to Payoff Credit Card Debt or Put in Savings Account - I came into enough money to payoff my credit cards. What should I do. Payoff credit card balances or put that money into a savings account? Credit Cards by Credit Score Rating -  Instead of wasting time submitting multiple applications, review credit score requirements and use a credit card matching service. Can a Credit Card Company Place Lien on Property? - Actions a Credit Card Company or Other Lender can take Against You for Default Non-Payment: Civil Court Law Suit. Be a Smarter Credit Card Comparison Shopper - There are fabulous card offers out there, but don't fall victim to glitz and hype. Most Popular Credit Cards - Review the best credit cards for gas purchases, sky miles, travel and balance transfers. Getting Your First Credit Card - Common mistakes to avoid. Credit Cards for Travel Benefits Abroad - If your vacation leads you overseas, compare the best credit cards for traveling abroad. Add Child as Authorized User on Credit Card - Is it wise to add a child as an authorized user on your credit card? Vacation Travel Credit Cards - which travel credit card to pack along for hotel, motel, airline sky miles and other rewards. Capital One Credit Cards for All Credit Scores - Whatever your credit history, Capital One has a credit card (or secured card) for you. Student Credit Card Use Tips - How student credit cards should be; and should not be, used: Best Credit Card for Gas - The single, best credit card for gas and travel, meets two predominant requirements: the card which best meets your needs, and the one which you qualify for. Are Paperless Credit Card Billing Statements Better - consider the cons. Advice for Common Credit Card Problems -  If your credit card interest rate goes up... You can do one of four things. First Credit Card Application - Advice for submitting your very first credit card application, receiving and understanding important issues before making your first purchase charge. Affects of Maxxing Out Credit Cards - Although you may be aware that the issuer may charge an over-limit fee, many people are ignorant as to how this impacts other financial areas. First Time Credit Card and Loan Applicants - How first time credit applicants get approved for credit cards and loans. Retail Credit Card Rewards - There are plenty of store cards, yet weigh all retail credit card rewards, terms and conditions before you apply. Types of Banks for Credit Cards and Business or Personal Loans - A retail bank is a bank that works with consumers. These banks provide basic banking services to the general public, including:* Checking and savings accounts* CDs* Safe deposit boxes* Mortgages and second mortgages* Auto loans* Unsecured and revolving loans such as credit cards Save Money with Back to School Credit Card Rewards - Take advantage of back to school credit card rewards to save money on student expenses.. 0 Intro Credit Card Reviews - The longest 0 introductory credit card offers. How to Choose a Credit Card for Christmas - With so many variables in interest rates, points, rewards, introductory periods, balance transfer programs and the confusing terms, it's no wonder it's difficult to choose. How to Negotiate Christmas Credit Card Debt Settlement - It's not unusual to go into the holidays with debt already on your credit cards, and then adding yet more charges. Get out of Credit Card Interest Reduction Scams - The FTC requires credit card interest reduction companies to not charge a fee until after the service is performed. Reverse Credit Card Payment - How to Reverse a Credit Card Payment Charge with your card company issuer or with the merchant seller. Credit Card Grace Period Explained - You know what it is yet you may be surprised by what you don't know. General Financial and Credit Card Account Sharing - There are pros and cons involved with general finance and credit card account sharing, yet mostly negative.  Manage Credit Card Accounts - There's the wrong way and the right way to manage credit card accounts to save money and protect scores. Credit Card Company Complaints - Credit Card Companies with the Most Complaints. Credit Cards that Benefit Animals - Best Friends Animal Sanctuary - Chase Bank offers an affinity credit card that benefits the Best Friends Animal Sanctuary. Student Credit Cards - First thing you need to determine is what cards you qualify for. What is Credit Card Blocking - when a company reserves a certain amount of money against your credit card limit. Charge Off Christmas Credit Card Debt - How to Charge Off Christmas Credit Card Debt Yourself. What Happens After You Swipe Your Credit Card - what happens after you swipe your credit card in the machine. How to get every cent from Gift Cards - Don't leave money on gift cards. Credit Card Limit Lowered - What to do if your credit card limit is lowered by your issuer. Credit Cards that can Only be Used for Gas - cards that can only be used for gas purchases. Hidden Credit Card Benefits - The best hidden credit card benefits are the ones right in your face. Free Credit Card Money - How rich people get free credit card money . How Using Credit Cards Affects Credit Score - Credit scores consider both your total balance to limit ratio (also called the utilization rate), and your balances as compared to the limits on each account. USAA Credit Cards - Compare Cards which offer low rates, rewards, military benefits and no annual fees on select cards. The Affects of Just One Credit Card Late Payment - Beware the affects of just one late payment on a credit card.  Price Match Credit Cards - Price match credit cards may not be a new offer, yet it can save you plenty of money. Debit Card User Warning - Using a debit card is not as safe; and protected, and using a credit card. Credit Card Cautions - so you can enjoy the very best of your card. Credit Cards that Increase Limit for Spending - Selection of credit cards that increase limit for spending on everyday purchases. Car Rewards Credit Cards - With an auto rewards credit card, you can earn points to use toward the purchase of a new car. Places Not to Use a Debit Card - Here are very risky places not to use a debit card for purchases. Retail Store Credit Cards Non Expiring - Some retailers are doing away with expiration dates for their store cards. Credit Card Company Free Credit Scores - You may get totally free credit scores from your credit card company. Credit Card Benefits and Perks - Credit card companies offer less advertised perks and other benefits to cardholders. READYdebit(R) Platinum Visa(R) Prepaid Card - Review Issuer Comments. Quicksilver Cash Rewards Credit Card Benefits - earn unlimited cash back with no annual fee Dispute a Billing Error to Credit Card Company - How to Dispute a Billing Error to Your Credit Card Company, including American Express, Chase, Citi, Discover, MasterCard, Visa, USAA, Bank of America, US Bank, Capital One, Wells Fargo, HSBC Bank and PayPal. How to Report Lost or Stolen Credit Card - Emergency contact telephone numbers to report lost or stolen credit cards, ATM or debit cards. First Time Credit Card Applications to Build Credit - Review first time credit card applications that help build credit. How to Compare Credit Cards - by Reviewing Terms and Conditions, Interest Rates and Rewards What is Credit Card Churning - It's earning rewards for submitting credit card applications. CashBack Rewards TD Credit Cards - Review TD Credit Cards Offering CashBack and Rewards Credit Cards that do Soft Pulls - Credit Cards that do Soft Pulls with No Credit Check Credit Cards that make You look Rich - the sound of a metal card is almost like a trumpet blowing, announcing the King has arrived. PrePaid Credit Card Fees - Review Fees and Issuers Offering No Fees. Guaranteed Credit Card with High Limit - for Bad Credit People Unable to Qualify for Standard Unsecured Cards Credit One Bank Cards - Our cards are even available to those who have had credit problems in the past and those who may have little credit history. Credit Cards You Can Use Right Away - immediately after applying. Most Costly Credit Card Perks and Rewards - Decide if the Fees are Worth it. Spot and Stop Credit Card Addiction - Are you truly poor or do you have a charging problem? How to spot and stop credit card addiction.

Credit Card Score Ups and Downs

Best Credit Card for Teenager

Higher Limit Credit Cards

Customized and Personalized Credit Cards

Best Credit Card for Vacation Rewards

Gold Credit Cards with Easy Approval

Credit Card Loyalty Programs and Rewards

Different Types of Credit Card Rewards Programs

Unsecured Credit Cards for Unemployed

Credit Card Protection

Best Vacation Credit Cards

Dining Rewards Credit Cards Offering Restaurant Perks

Best Back to School Credit Card for Savings Rewards

Cashback Rewards Cards

   

  

    

Auto Loan: Good or bad credit auto loan quote. Apply for a new or used auto loan, or for car refinancing.
 

Credit Report: Free credit report help to fix credit report errors and improve credit score ratings.

 

Debt Counseling: Nonprofit credit counseling, unsecured debt consolidation or free debt settlement.

 

Free Credit Offers: Get no obligation credit offers and receive alerts and tips to manage personal finances.

 

Home Loan: Stop paying rent and live the American dream.

 

Mortgage Refinancing: 2nd mortgage loan for remodeling, equity cash out or a debt consolidation loan.

 

Payday Loan: Get a good or bad credit unsecured loan with no credit check and no collateral.

  

Personal Loan: Short or long term personal loan.

  

Personal Finance: Create a personal budget, balance a checkbook, file bankruptcy and more.

 

Free Help: Personal finance newsletter, credit advice and tips.

 

Interest rates: National averages of credit card, mortgage, refinancing and auto loan interest rates.
  

                   



Are Instant Approval Credit Cards Really Guaranteed? Not all instant approval card offers are a guarantee of acceptance unless it specifically says so. For example, "instant approval" could refer to the decision-making process, meaning after you submit the credit card application you'll receive either instant approval or rejection.

Of course if you have excellent credit, typically you can get approved for any card.

Some credit card companies offer cards which are specifically designed for certain demographics, such as those rebuilding credit, for students, etc. Hence, if you fall within the targeted category, you may receive instant approval.

By taking your time to shop for the category of card which best fits your credit history, you can not only find approval but also get a card you are happy with.


 

Milestone Gold MasterCard

Fast and easy instant decision

Choose your custom card design - Free

Free online account access

Previous bankruptcy OK

* See website for details

        

AccountNow® Prepaid MasterCard®

$0 Monthly Fee

No credit check or ChexSystems check

Instant account number

Free Direct Deposit

Earn purchase rewards and Refer-a-Friend cash bonus

* See website for details


 

Unsecured Christmas credit card and gift charge card. Submit an online application to get a credit card or a retail store charge card in time to buy Christmas gifts. Be sure to read our free Christmas credit card shopping tips to avoid fraudulent charges.

   

   

Free Christmas Credit Gift

 

   

Christmas Credit Card Debt Settlement, Consolidation or Counseling

 

 

Instant Approval Decision Christmas Credit Card Offers with Rewards and CashBack

 

Read our free tips and advice that can help you get the best rewards, then choose and submit online applications for instant approval decision Christmas credit card offers.

 

Online applications for short and long term Christmas personal loans

Online applications for Christmas credit cards with cashback rewards

 

Just like retail stores lower prices and offer other incentives to draw customers to their stores instead of their competitors, credit card companies also offer specials, like a no interest, 0% intro period, cashback or other rewards. The people who can benefit most from these special credit card offers, are those who payoff their balances in full monthly. Otherwise if it takes cardholders too long to payoff balances, the inevitable interest will devour any introductory savings and cashback earnings. Of course, it still lessens the impact of interest charges.

 

In addition to standard unsecured credit cards that can be used anywhere, there are also retail store charge cards (which can only be used in that particular store). And now, there are hybrid cards from major issuers like Visa and MasterCard, that give special rewards and discounts for shopping at a particular retail store.

 

These various Christmas credit card offers and special deals all reveal a truth: The credit card companies; and stores, are competing to get you to be their customer. This puts you, the consumer, in a very good position.

 

If you add shopping strategy, you can really save big time.

 

One tip you may want to consider is to begin purchasing in advance of Christmas instead of waiting until December. By doing this, you'll actually start paying on your Christmas debt before January. Start purchasing in October and start making your first payment in November (if you won't be paying off in full each month). Not only does this give you an early start on paying off charges, this strategy can also curb your spending and will have less of an impact on your budget. How many Christmas' have you experienced in which you don't realize until January or February exactly how much you've gone over budget. People in this situation who intend to carry a balance, may find it best to get a 6 month 0 intro credit card instead of one that offers cashback... or especially one that offers both if qualified.

 

Carry a balance, or charge and payoff immediately? If you will be carrying a balance, a credit card with the lowest rate may be a better choice than one that offers cashback. Typically, cashback credit cards are only up to 5% of purchases, whereas interest rates could easily be in the double digits. So, carrying a balance would cost you more with a cashback card than a 0 intro card, especially if you can repay the balance before the intro period expires.

 

Just as you are looking for the best credit card offer you can qualify for, the people you plan to shop for are likely also looking for credit cards. Maybe you should use your unsecured credit card to purchase pre-paid debit cards, or retail store charge cards, for them to use? You can save money by not having to buy wrapping paper and paying for shipping other than the cost of mailing a Christmas card. Simply slip the prepaid card into a Christmas card and mail it off. Your recipient will be able to buy something they actually need and you won't have to wonder if they returned your gift to the store. If you choose this option, consider a major brand pre-paid card that isn't tied to one particular store, so the recipient can spend the funds anywhere for anything. Although giving 'gift certificates' was once viewed dimly, with economic problems many people would actually prefer to receive cash cards.

 

Tip: If you get a cashback credit card, be sure to understand how to get the max cashback. Some credit cards offer the highest cashback percentage for certain select purchases, like gas. Find out what types of purchases your credit card company offers the highest cashback percentage.

 

 

Make safe credit card purchases with offline and online Christmas gift shopping. Our Christmas credit card safety tips.

Sign your credit card before Christmas shopping.

Treat your credit cards as you would cash. Don't leave them unattended. Report lost or stolen credit cards immediately.

During Christmas cashiers are hurried. Ensure yourcredit card is returned after every gift purchase.

Don't be victimized by telemarketer fraud during Christmas. Never give your credit card number on the phone unless you initiate the call.

After delivering Christmas gifts and your receipts are no longer needed, shred, tear, or black out account numbers before tossing into the trash.

Close all unused credit card accounts and destroy unwanted cards.

When using a credit card to purchase online Christmas gifts, ensure the merchant has proper security measures. If unsure, order your Christmas gifts online but consider sending a check or money order for payment.

When you buy Christmas gifts, each time you use your credit card; whether for Christmas gifts online or offline, make a record of the date, merchant and amount of charge, then compare with your credit card statements to look for fraudulent charges.

New wallet Christmas gift? If a credit card was carried in a wallet, before tossing the old wallet not only should you ensure removal of the credit card, but also examine the old wallet and destroy "impressions" of the card number in the material.

Remember: it's far safer to carry a credit card with a $5,000 spending limit than to carry $5,000 in cash while Christmas shopping.

 

Need more information? Read our financial and credit articles related to Christmas credit cards, and join our online financial newsletter.


 

Sometimes there is some emotional conflict when people try to decide which way to go about paying down debts. They wonder if they should pay off bills with the highest interest rates first, or pay off the smaller bills. Deciding to start with the smallest bills, can help to get going on the task and be more motivated. There is a good feeling to know one debt has been paid in full and something is getting accomplished. Setting goals to get debts paid off, must begin with changing behavior. This means spending money wisely. Knowing the bills must be paid is one thing, but actually getting it done can be harder. By paying off a small debt, it may encourage more good intentions to continue to get out of debt.

 

To get started, target one small debt and try to pay more than what is required each month. Consider paying something weekly, in addition to making the regular payment on time. It is surprising how you begin to see your efforts pay off. Keep a list of the small debts and the order in which to pay each one in full, and mark them off the list as it is done. Seeing the results of every small bill paid, will be uplifting. Keeping the list with each debt scratched off, will remind you how hard you have worked and how far you must go to finish the job.

 

Getting into debt is fun and easy, getting out of debt is stressful and requires a plan of action. Before spending one dollar, ask yourself if the expense is wasteful and if you can live without spending your hard earned money. If the answer is that you can live without spending the money, you will realize you now have more money left to pay down more of the bills. Keep sending in money for bills and keep getting closer to being out of debt. When help is needed, consider seeking a professional for advice and debt counseling.






  

Debt can be so easy to accumulate, but may cause people to feel like getting out of it is next to impossible. The biggest problem it causes is when it keeps mounting from not being handled early. This usually happens when bills are ignored and interest upon interest and late fees are adding up daily. An unsecured debt, like credit card debt is not attached to property, like a home. A home loan is a secured debt and if not paid, the homeowner is risking loosing the home. When there are bill collector messages on the answer machine, and the bills are left unopened and thrown aside, this is a good indication that debts are causing stress as well as growing. There comes a time when it all must be faced and a plan needs to be set into motion to get debt relief.

 

There are many good debt relief services and programs available, as well as some that are lacking in skills. Many debt relief business offer several options, so each one must be considered to determine which one is best for a person's needs. The types of debts that a person has, is also important to figure out which program is best. Online services offer free debt quotes or consultations and there is usually no obligation to have to commit to a decision. Taking the time to consider debt settlement, debt consolidation, or other options is important and may require a few days to think about which is the best choice.

 

Examples of Types of Debt Relief:

 

*Combining credit card balances into one easy, monthly bill.

* Negotiating with creditors, to lower the payoff amount, negotiate a lower monthly payment, or to drop late fees.

* Debt management education, to learn money management skills and better budgeting.

 

Many companies are professionals, and they can be use to working with creditors to resolve debt problems for people. The great thing is that they can review each person's situation and work with them on an individual basis. They can be extremely good at what they do and give valuable feedback and information on how to solve some debt problems. Sometimes it is a matter of living a big lifestyle that takes all the family income. This may involve making better choices before spending money on things, and set a goal to pay bills first and on time. To regain some financial freedom, there must be some plan of action and a few adjustments in spending to accomplish the goal. Professionals may be able to assist when personal plans fail.


Copyright CreditFederal.Com personal loan with monthly payments no credit check credit cards pre-approved and free debt negotiation.