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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.

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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.
  

                   



How much can I save with a 0% balance transfer card?

Let's say you have a $5,000 balance on a 20% interest credit card and you wan to pay it off within 6 months, you'd have monthly payments of

To pay off the $5000 balance with a 21.99% interest rate within 6 months, you will need to pay $882.62 per month. At the end of the 6 months, the total Principal and Interest paid would be $5295.68. This means the debt cost you $295.68 in interest alone. If; however, you transferred that debt to a 0% intro balance transfer card with a 3% fee, the cost would be $150.00, which is a savings of $45.68. If your current card's interest rate is higher and if the balance transfer fee is lower (or there's no fee), then your savings escalates.


 

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


  

Review gold Visa credit card offers. Compare secured and unsecured Visa gold card.

  

     

   

Aspire Gold Visa® Card - No security deposit. Unsecured Visa® Card. Low minimum monthly payments. Special Visa deals for cardholders. Rebuild poor credit. Poor credit or bad credit OK. Joint credit card available. Aspire Gold Visa® Card is designed for those that only need the basic functions of a credit card. The annual fee applied to new accounts is $150. There is also an account opening fee of $29 and a monthly maintenance fee of $6.50, which amounts to $78 per year. The total amount of standard fees (not including penalty or default fees) is $257 for the first year. The card offers high interest rates, and all of the variable interest rates have minimum caps, so no matter how low the Prime Rate drops, the interest rates on the account will not go below the stated minimum caps. Therefore, if you can afford to pay in full each month, do not mind paying the various fees associated with the card, have a limited credit history, and do not plan to carry a balance, this card may be a reasonable option.

 

Gold Cards

 

Select a Credit Card Issuer or a Type of Card Offer

 

 

 

Apply online for an Aspire Visa® Card and begin rebuilding your credit today. Complete the application and receive an instant online response. Get the credit you deserve.

Aspire Visa® Card
30 second online response
No security deposit
Rebuild your credit
Unsecured Visa® Card


Browse and apply for a gold credit card by major issuer.

Visa credit card offers: Visa Classic, Visa Secured, Visa Gold Credit Card, Visa Platinum Credit Card, Smart Visa Cards, Visa Signature Card and Reward Cards

MasterCard credit card offers: The MasterCard, Gold MasterCard, Platinum MasterCard and World MasterCard

American Express credit card offers: Personal Card, Rewards Green Card,Senior Member Card, American Express Student Card, Gold Card, Platinum Card, Blue from American Express, Blue Cash Card, Blue for Students

Discover Card offers: Discover Miles Card, Discover Gold Card, Discover Student Card, and the Discover Gas Card

Prestige Gold Card (no longer available): Designed for those with poor to limited credit who would like to establish credit by participating in the optional credit-building program. Those who become active members of the optional New Horizons Gold program will be glad to know that transactions will be reported to credit bureau(s) as an unsecured credit card.

 

Get the latest Visa credit card information or search for other Visa credit card offers.

 

When trying to rebuild credit using a credit card, the last thing needed, is for a card issuer to report a delinquency payment. This knocks down scores in a hurry, thus defeating the purpose of trying to repair credit. Issuers will report customer delinquencies, especially if payments are later than 30 days or more. The only way to prevent negative reporting, is for cardholders to pay on time. Paying early, always paying the bill in full, or even paying more than what is due, can be the best move. The goal is to maintain an outstanding payment history, that is spotless and reflects timely payments. Anytime a payment must be late, contact the issuers in advance and maybe some arrangements can be made.

 

For people who are in a rut of only making minimum payments, this only serves to keep the account active, and it will not help to get the balance paid off quickly. Set a goal to make bigger payments. This helps by letting lenders know that the account holder is responsible with debts. No one likes to loan money to people who can be depended on for payments. 

 

Before a card is used, consider the money on hand to pay the bill, or the money you will earn so that the bill can be paid. Not knowing how much money is in the budget for credit card bills, leads to getting into debt. It is never wise to spend more than can be repaid. It may be easy to know when you can't afford a huge luxury item like a houseboat, yet many Americans do not consider their income and how much they can actually charge on credit cards.

 

Credit is a means to get what is needed, it can be wise to have a preset limit to charge on cards. This prevents getting in debt, and promotes spending within a budget. Getting into credit card debt, can begin as easily as getting into the habit of using a card too frequently. Weeks later a statement may arrive and the outstanding balance may be shocking.

 

People who are not able to control their spending habits, often just close accounts. If this is the only way to stay out of debt, it can work for some consumers. Having a credit card is one of the best tools to rebuild or maintain scores. Using them during the month and paying off the balance is good for credit ratings. Charging and not paying on time or not paying more than the minimum, looks questionable to lenders who check reports before extending credit.

 

Review credit reports every few months. Contact the major bureaus anytime something is not correct. For example, if there are two people with the same name, mistakes happen, something may be reported that does not belong on the report. There can always be the possibility of clerical mistakes or wrong reporting. Looking at reports reveals how many credit card accounts are active and if there could be any identity theft problems.

 

Consider using a card that has no balance due, make a little charge each month that can be paid off early, to get good payment habits reported. Instead of closing all those card accounts that have not been used in a long time, just use them occasionally. The average amount of cards held is about seven for most people. Use them in a smart way, as a means to get loans with lower interest rates. People that pay balances on time, and who have good credit are usually able to get good terms on loans.

 

When there are problems with paying off balances or there is no credit history, card choices are limited. Look for cards that report to major agencies. One example of a card, is the 

Orchard Bank® Visa® Card or the AccountNow® Prepaid MasterCard®. Prepaid cards can be a great card option. These cards are accepted at millions of places where their logo is displayed. With the problems in the credit industry, closing card accounts may not be wise, because getting another card later could prove unsuccessful or difficult.




 

There are people who are smart about using their credit cards and exhibiting good management skills. Cards are one of the most convenient tools to use when done so properly. Users who get the most from them, are those who know the features and details of their particular card.

 

Not paying attention to the credit limit is the first area where mistakes can be made. There is a certain available credit limit on all cards, and it is based on the user's income level as well as their credit history. For example, the credit limit may be $10,000 for one individual, but only $5,000 for another cardholder.

 

Credit limits are not given any thought or concern by many people, yet it needs to be taken seriously. Instead, some people look at the limit and consider it as the amount they can spend without any concern. Doing this is a bad approach, it is best to use less than thirty percent of the available credit. 

 

A credit limit is an amount banks are willing to lend, though it is offered, it does not mean a cardholder should start charging up to the given amount. The user should consider their budget and their ability to repay any charges on the card. Having a card can be the best thing, if for example, a clothes dryer is needed before getting a paycheck. The cardholder charges it, and pays the bill in full or as soon as possible. It is a great way to get a mini loan without having to go to the bank and apply.

 

Once a charge is made on a card, the user basically decides whether they will pay the bill in full, or pay the minimum amount shown on the statement. The best course of action, is to at least pay more than what is due or to payoff the bill.

 

Smart cardholders know what they can afford to charge and pay back the balance due. One of the biggest ways people end up in credit card debt, is spending but not having the money in the budget to pay back later. Thousands of people use credit cards for everyday expenses, even basic expenses just to earn cash back or rewards they like. However, they usually pay the balance in full when the bill arrives. They stay out of debt, and they earn cash or perks for spending money they have to spend anyway.

 

Never use a card just because it has an available credit, use it when it is necessary. Spending sprees that are out of control only serve to accumulate needless debt. The rich may spend because they have money to burn, but the average person lives on a particular income and must live within their means.

 

There are several choices for a no annual credit card, and it can have a cash back feature. Reviewing the terms and conditions will let the user know just what is required to get money back. Sometimes it is as simple as making any type of purchase or the cardholder must buy at specific places of business. Some issuers mail a check and others allow the cardholder to redeem the money in several different ways.

 

When credit card bills are paid late or missed, the issuer may raise interest rates or late fees. Learning to manage credit cards can save money and even help earn money, but it is up to the cardholder to be knowledgeable about their cards. Using them and not being able to repay the balance, can only lead to bad credit. Once this happens the only available option may be a prepaid card. This is a good card too, but it requires the user to pre fund the account before it can be used. Many people use it in the place of an unsecured credit card, when they are unable to control their spending or if they want to pay as they go using the ease of a piece of plastic.



Personal Credit

 

Leaving personal credit reports unchecked is taking a risk. Credit reports can have mistakes that could be causing poor scores. Consumers expect their reports to be accurate, but many times they contain information that is incorrect. It could be as simple as showing mistakes like bills, that have not been paid or negative comments that are not true.

 

It is important to know what lenders, banks, and insurance companies see when they view your credit reports. Companies who screen job applicants may request them, and they may decide not to hire applicants, with negative information on their reports. Institutions issuing credit cards and loans, and insurance agencies will view reports, and interest rates or insurance premiums are usually determined on the basis of credit rating.

  

Credit files contain personal information from a variety of sources, and those who extended credit provide information on reports to the three major agencies. Keeping up with credit is easier due to computerized reports. It is easy for companies to do credit checks due to technology.

 

It is important to understand reports, especially if scores need rebuilding. Recognizing weak areas like paying bills late, missing payments, or using too much available credit can all have a negative effect on ratings. Being denied a loan or credit card is one indication that scores may be damaged, and getting credit may be hard.

 

Mortgage lenders are usually interested in how well their applicants repay loans, they like to make sure before approving an applicant, that they will get paid. Anyone thinking of buying a home should review all reports from the three major agencies. Even if there are some problem areas, errors or personal mistakes can be corrected so scores can be rebuilt over time. 

 

Anytime there is a problem paying debts, contact the lender and try to work out a revised payment schedule. Do not risk further problems from not making payments. This causes a problem when it is documented on reports and becomes part of the credit history.

 

There are some companies who may say they can wipe negative information off reports, but that will never happen if the information that was reported was true. Only incorrect information or errors that does not belong to the person can be removed. Any true information stays for a specific time. Reporting agencies make credit history available to those who have an interest in your credit worthiness.

  

Reports indicate payment history, amount of debt owed, the types of credit used, employment, and it helps companies decide if you are a credit risk. They can also include things like credit card accounts, loans, and bankruptcy filings. It is important to check them to make sure they do not list a stranger's information by mistake. It always helps to be informed about your current credit status.

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