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
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.
Visa Credit Card Highlight - Capital OneŽ Venture Rewards Credit Card
This is among the best travel rewards credit cards. Though many rewards cards offer a standard one point per dollar spent, with the Capital OneŽ Venture Rewards Credit Card you can earn two miles per dollar on every purchase.
The miles can be used to fly on any airline, any time with no restrictions or blackout dates.
The Venture Rewards Credit Card does have an annual fee.
Low Fixed 9.99% Interest Rate on Purchases
No processing or Application Fees
*See website for details
* If Your Monthly Income Exceeds Your Monthly Expenses By $100 or More!*
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.
No Fax Payday Loan: No fax payday advances that have instant online approval are sometimes the easiest option for people to get a loan. Many are available without any credit checks or background checks. For those who get approved, the money could be available as quick as overnight. Many do not require a fax, and there are hundreds of online loan applications when financial help is urgently needed. Without faxing any documents, the loan can be from a few hundred dollars up to $1500. This is a loan that can be processed fast and has helped many consumers.
People have had to face a financial crisis with the problems of the economy, and they need money within hours. Fast cash loans from banks can be difficult or near impossible with credit tight. Banks normally require people to have good credit, and they may take weeks to process an application for a loan.
Completing applications online can take a few minutes, and responses can be quick by phone or email. It does not take long to get the application processed. Applicants do not even have to leave home to get an answer. The great thing is, there is no line to stand in, and no people watching you apply for the loan. You can have complete privacy, without people you may know, watching you apply, and without having to meet a loan provider face to face.
Once the whole process is completed online, the loan may need to be repaid within a month or a couple of weeks. Each company has different requirements. Within that period it can be important to get any finances in order, and try to have some financial discipline. This may help to avoid any further financial situations. These short term loans have helped millions of Americans in a financial crunch get money they needed as fast as possible.
Sometimes the requirements for faxless loans require the applicant to be employed or receive some other regular income. They may require that the person was employed for the last three months or or that they get about $1,000 each month. Also, the applicant must be a US. citizen, and be at least 18 years of age.
An active checking account may be needed to get the money electronically transferred into the account. This can speed things along, once an application is approved. Often, a customer service representative will contact the person to verify any personal details that was provided on the application. It may only take a few hours or less than 24 hours, once approved, to get the money.
may be spending more on themselves in the next few months, even the American Express
website gives information about adults planning to spend more or the same this
year on themselves. It seems there will be some focus on saving money even if it
is less than last year. Saving even a small amount of money from each paycheck
is one area where many people could benefit for those times when emergency funds
are needed. The American Express Spending & Saving Tracker looked at consumers' views about
spending intentions and their research sample of 2,025 adults, with two subgroups,
affluent and young professionals, that indicated they seem to be more optimistic about their
finances. This may be due to personal goals and the ability to be able to spend
more. Visit the American Express website for these details.
may be more interested in spending money where their looks are concerned, as
grooming comes in first place when it comes to spending money. Fitness follows
second, and then clothing. This is not surprising, as this kind of spending is
common place even during hard times. Sometimes if people look and feel good
about themselves, they may be more optimistic. Entertainment is also a big
expense for millions of people, even when there are debt
problems, money is often spent on entertainment instead of paying down
bills. Many consumers start a new year with a goal to loose weight and work on
exercising, needless to say hundreds of dollars may be charged on credit cards
just in these areas.
out of debt and repairing credit is always an area of concern and setting goals
for millions of Americans. Some accomplish this by monitoring their credit
reports or using a card to rebuild poor credit. To get good unsecured credit
cards with the best terms, usually requires credit to be great. When good cards
is not an option, people can still have the ease of using a popular
prepaid card for spending money and still use Visa or MasterCard.