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.
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
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.
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 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
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
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
Credit Card Application - Poor Credit Score? Credit card applications to
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
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
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
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
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
Credit Card Advice - prevent high balances and to get a good credit score.
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.
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
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.
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
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.
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
Out of Christmas Credit Card Debt - advice on how to payoff, consolidate or
Christmas credit card debt. Credit
Cards VS Charge Cards Which Is Better - there are important
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
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
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.
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
Cards that Benefit Animals - Best Friends Animal Sanctuary - Chase
Bank offers an affinity credit card that benefits the Best Friends Animal
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
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
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.
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
Cards that do Soft Pulls - Credit Cards that do Soft Pulls with No Credit
Cards that make You look Rich - the
sound of a metal card is almost like a trumpet blowing, announcing the King has
Credit Card Fees - Review Fees and Issuers Offering No
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.
Card Score Ups and Downs
Credit Card for Teenager
Limit Credit Cards
and Personalized Credit Cards
Credit Card for Vacation Rewards
Credit Cards with Easy Approval
Card Loyalty Programs and Rewards
Types of Credit Card Rewards Programs
Credit Cards for Unemployed
Vacation Credit Cards
Rewards Credit Cards Offering Restaurant Perks
Back to School Credit Card for Savings Rewards
Cashback Rewards Cards
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
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Need help re-establishing credit? Apply for an unsecured credit card to rebuild credit from an issuer who reports your payment activity to at least one credit bureau. Compare bad credit card rates.
*By making on time payments and keeping your balance under the limit, you may be able to improve your credit score
How can a credit card help rebuild credit?
A credit card which reports your timely payments to a major credit bureau will show potential loan lenders and card issuers your ability to make good on your financial obligations. Not only will a good credit report assist you in obtaining loans or other credit cards, it can also be a huge factor on the interest rates lenders and issuers may grant you.
Get a credit card to rebuild credit. If you have very very bad credit; such as recovering from bankruptcy, you may have a difficult time obtaining an unsecured credit card. But even a secured card can help rebuild credit.
Tips for credit rebuilding with a secured credit card:
Don't use all of your available credit. Maxing out your credit cards hurts your credit score.
You don't want to charge more than 30% or so of your credit limit, and you want to pay the balance off in full each month. Light, regular use of a credit card is what helps build your credit.
And contrary to what you might have heard, you typically don't need to carry a balance or pay credit card interest to build your score, since the leading credit scoring formula doesn't distinguish between balances that are paid off and balances that are carried month to month. Get in the habit now of not charging more than you can pay off every month; your credit score and your finances will be the better for it.
What to look for when choosing a secured card:
No application fee and low annual fee. Some secured cards charge huge upfront and annual fees. Fees don't help you rebuild credit.
Reports to the major credit bureaus. You're not doing your credit score any good unless your payment history is being reported to the three major bureaus: Equifax, Experian and TransUnion. Call and ask if the card issuer regularly reports to all three before you apply.
Converts to an unsecured card after 12-18 months of timely payments. Good behavior should get you upgraded to a regular credit card within a year or two.
If you have high unsecured debt, you may consider applying for credit card counseling.
Apply online for an easy approval credit card. There are credit cards designed for people who have troubled credit and desire to improve credit scores. Although these card issuers may not offer a high credit limit, they nonetheless do offer an unsecured line of credit which can be used like any standard credit card. You can book flights, make airline reservations, purchase from retail stores, etc.
In addition to standard cards, it's possible to get approved for a gold unsecured credit card branded by major credit card issuers such as Visa and Mastercard. They have cards that can help you rebuild credit by reporting your timely payments to the major credit bureaus.
Free Tips to Rebuild Credit
- To rebuild credit, create a positive credit history as this stays on reports and negative information only stays on credit reports for a certain period of time. Educate yourself so you can work on improving credit scores. Use these tips and begin to establish positive credit history:
Pay bills on time. Lenders often look at recent payments instead of payments years ago.
Use your complete name.
Print clearly when you apply for credit.
If you need help, seek a professional.
Don't apply for credit if your finances are out of control.
Give accurate information, so credit history is correct.
Know what is on credit reports before applying for credit.
Don't fall behind on payments, contact lenders if ahead of time when there is a problem.
Set up a budget and live within your means to avoid debt problems.
You don't need a credit repair company to establish or to rebuild credit. You can rebuild credit free yourself. If you use a credit repair company, the Credit Repair Organizations Act is a federal law that prohibits these agencies from taking your money until they complete the services they promise. They must provide consumers with a written contract stating all the services to be provided and the terms and conditions of payment. Consumers have three days to withdraw from the contract.
what's in a credit report, how to understand it and how to check it for
errors. Make sure your credit information is accurate and compare your Experian, Equifax and TransUnion reports side-by-side.
Unsecured Credit Cards with a Low Limit for People with Bad Credit:
How low does the credit limit go on an unsecured credit card for people who have bad credit? It can depend on several factors:
- If credit is really bad, getting approved for an unsecured credit card with low credit limits could be impossible.
- If credit is not too bad, there could be a chance of getting approved for a low credit limit around $1,000 or more on an unsecured card offer. Read the terms and credit requirements for any unsecured card before applying.
- If you already have an unsecured card, always pay on time. By doing so, you may be able to get a higher credit limit.
- Applying for an unsecured card will not help bad credit, when payments are usually paid late.
What can you do to build less than average or perfect credit?
- Pay all debts you already owe on time or pay them off to have a better credit to debt ratio.
- Do not owe more creditors than you are able to pay each month.
- Work to keep debt balances low.
Note: A prepaid debit card does not give a line of credit and will not have any affect on credit history. However, this is a great card to use to "pay as you go" using plastic and not carrying cash.
Credit card companies have different rates and terms for unsecured cards. Depending on credit type the interest rates and credit limits can vary.
Discover evaluates creditworthiness, they consider your credit report, and all information you provide. People with the best credit profiles could receive the lowest interest rate, while other people receive higher rates. Customers could be offered an account with different rates, terms, and may not have introductory rates or rewards. Your credit limit may increase over time as you build a good record of paying your bills every month. You need to keep your total charges within your credit limit. Visit the Discover website for this info and more.
Capitalone offers a secured not an unsecured card to less than average credit types. It has an annual fee of $29.00, a required security deposit of $49, $99 or $200 - a refundable deposit based on your creditworthiness. The credit line is determined if your application is approved and you provide the security deposit requested prior to an expiration date. You can get a minimum credit line of $200. Any additional security deposit(s) you provide can increase your credit line by the amount of the deposit(s) up to a maximum credit line of $3,000. You could earn a credit line increase without an additional deposit required, based on your payment history and creditworthiness. They may report information about your account to credit bureaus. If you pay late, miss payments, or have other defaults on your account, it may be reflected in your credit report. If you are trying to rebuild bad credit, follow all terms and conditions.
When faced with bad credit:
- Try applying for a card your credit type.
- Use an unsecured card, make timely payments, keep account balances low in relation to your credit limit.
- Check your 3 free credit reports during the year to look for negative information that might be
causing low credit scores and work to correct it.
- Good credit behavior can pay off by helping you build good to excellent credit, which in turn can
reward you by helping you get approved for unsecured credit cards having much higher credit limits.
Need more credit card information? Read our financial and credit articles on how to rebuild credit.
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.
I lost my job... what do I tell creditors about my past due bills? Try to keep spending under control so you can pay your bills using existing bank and brokerage accounts for, say, the next three to six months. If possible, avoid withdrawing or borrowing money from your retirement savings. If you anticipate problems paying debts, such as your mortgage or the minimum due on your credit card, contact your creditors immediately and attempt to work out a payment plan. One reason to keep loan and credit card payments current is so that you can maintain the best possible credit record. Prospective employers may review your credit reports when you apply for a new job. Also, carefully review your employer's severance benefits, including the temporary continuation of your salary and health insurance, and try to negotiate a better deal.
Get a Credit Card Late Payment Fee Waived
If you've been a timely paying, long-time member of the card company you had a late payment with, it's possible to have the late payment fee removed. Simply call the card company via the 800 number listed on the back of your credit card, and remind the representative that you're a long time customer in good standing. Even if the representative is adamant that the fee cannot be waived, it's possibly to have the fee offset, such as by getting your interest rate lowered. In some cases your issuer may waive the late fee if you set up an auto pay with your bank to prevent future late pays. If your card company still won't waive the fee, ask to get it lowered. Good cardholders are difficult for issuers to latch onto, so a threat to transfer to a different card company may nudge the negotiations along. Long time steady paying cardholders have an advantage, as there are many other competing card companies who love to have your valuable business.
the year there are several holiday seasons during which credit cards are used
more often to charge gifts, do extra shopping, to prepare meals, or help prepare
festivities for family and friends. Lists are made, groceries and gifts are
purchased, and all of this makes for fun activities and making holidays special.
The great thing about using credit cards during all the rush of shopping and
purchasing special items, is that when the statement arrives it is easy to see
where all the spending took place. Those same statements can help make returning
purchases easier and faster in the event the receipt was lost. The item can be
matched to the transaction numbers on the statement and the credit card can be
credited with the return. It does not get much better than that.
a credit card when there is not any extra paycheck, has helped fund many special
occasions for people who have been unsuccessful in getting approved for personal
loans. When charging is kept within reason, just like only borrowing money,
it is not a problem later. There is always credit card abuse and taking out too
many loans that can be repaid back by some people. Those people who try to be
financially responsible and repay their debts, use credit cards and fast cash
loans as financial tools.
seasons do not have to land people into debt from overspending, when the
spending is planned and limited. Getting into debt can happen not only during
special occasions but can happen throughout the year. People every day damage
their credit due to over spending, without it being a holiday. Holidays, for
some people, may encourage a spirit of giving, which may lead to exhausting the
monthly income. Credit cards can help for those times when gifts need to be
purchased or bills need to be paid before the next paycheck arrives. It is about
setting limits and making some wise choices.
eliminate the need for cards and loans, having a savings account can be helpful.
Some consumers are good about having an emergency fund for those periods when
extra spending is needed. Yet many people never have a savings account. It is
surprising the people who do not even use a checking account. Since there are
options to apply for prepaid
or debit cards, regular unsecured
cards are not the only choice to be able to use plastic for spending. Using
a piece of plastic can be rewarding without getting into debt. Prepaid cards are
often advertised as guaranteed approval cards. The wonderful thing is that a
credit card balance will not be due when the statement arrives. If money is not
loaded onto the card, the card can not be used for purchases. The cardholder can
only spend what they have funded on the card.
of these cards require only small deposits and a monthly or yearly fee. The
important thing to remember is that if the card has not been funded, it can not
be used. These cards can have online statement features to track spending,
online account management, and easy ways to preload the card as needed. The
great thing is that if it is lost or stolen, the money is not gone forever like
cash that is lost. However, the card should be reported lost or stolen as soon
cards are credit cards that require a savings account to be established as collateral. They
are excellent to use to rebuild or establish some good credit history. People
who do not have a credit history, or who may have past credit problems, use
these cards to repair their credit. Orchard Bank
has a secured card that is available and it offers the benefit of using plastic
for purchases. When an unsecured card is not an option due to being rejected,
secured and prepaid cards can be the next best option. They also have unsecured
cards come with reasonable annual fees or no fees, and minimum deposits can be
as small as two hundred dollars. Secured cards require a deposit to be made as
security. The card can be used anywhere the card logo is displayed, For example,
if it is a Visa or MasterCard. These cards usually offer the typical functions
of unsecured cards like online bill pay, the ability to manage the account
online any time or day, and fraud protection.
type of credit card has its own Terms and Conditions, and they should be read.
Credit card issuers usually obtain a current credit bureau report when someone
applies. This is to help them make a decision about approving or rejecting the
application or even to offer a different type of card. It is also to verify an
applicant's information. Sometimes it can take up to 10 or more days to receive
cards once a person is approved, so applying well in advance of the need to be
able to use the card is important.
or unsecured cards both can make traveling or making purchases easier.
Statements are good financial tools to use to prepare for tax season, to plan a
budget, or to track spending habits. Millions of people use secured cards,
because some issuers report to the three major credit bureaus, it is this
reporting that can help repair less than perfect credit, with the addition of
good information on reports. Choices are limited for unsecured cards when there
is a negative credit history, yet getting a secured card can be one the easiest
ways to be able to have a card and fix bad credit at the same time.
with good credit are usually not limited to a specific card choices, and may be
able to be approved for several popular unsecured
credit cards. This is great as they can use the card with the lowest
interest rates and best terms for their spending needs. Cash back cards help
many people get money back, for the money they have to spend. For those with
terrible credit, the only choices may be a secured card or prepaid