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Aspire Gold Visa® Card -
This offer has expired.
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.
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Aspire Visa® Card
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Unsecured Visa® Card
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.
Visa has a Visa Standard credit card that can offer some flexibility when you make purchases, pay bills, or get cash.
Visa is accepted at millions of locations and their uses are unlimited for what you want to purchase. Visit the Visa website
for this information and more details about the perks and benefits offered for their specific credit cards.
Visa Standard credit cards benefits:*
* Auto Rental Collision Damage Waiver - Personal
* Cardholder Inquiry Service
* Emergency Card Replacement
* Emergency Cash Disbursement
* Lost or Stolen Card Reporting
* Zero Liability**
Visa
Card
At
the 2010 FIFA World CupTM, the Visa credit, debit and prepaid cards will be the only payment
cards accepted at all FIFA venues and merchandise booths. Visa has a partnership with FIFA,
the world's leading payment brand and football sports which creates a business
opportunity for partners and financial clients. Since 2007, Visa has been a FIFA Partner
and has global rights to many FIFA events like the FIFA World CupTM, the FIFA Women's
World CupTM and several more. Fans can purchase tickets through FIFA with their Visa card.
With the FIFA World CupTM close, fans can make sure they are informed about ways they can
get tickets to the tournament. For this information and more details, visit the
Visa website.
Visa
Card
Visa
has a TravelMoney card that is a prepaid and you can only spend up to the card value
where Visa debit cards are accepted. This could be at stores, online, or even on
the phone and you are able to get cash at Visa/PLUS ATMs worldwide. When a purchase
is made, the purchase amount is deducted from the card.
The good thing about this card is that it has a number on the back of the card
so you can keep track of the amount on the card and know how much you have to
spend. If the card is lost or stolen, you would need to contact the card company
right away and they would need the card number to cancel the card and issue a new
one. It would mean you need to keep the information about the card in a secure place.
For this information and more, visit the Visa website.
Visa
Reward Cards
Visa
has some cards that offer rewards just for using their card and they have gold and platinum
versions as choices. These cards provide convenience, security, and worldwide acceptance
and you only need to choose the card with the rewards you desire. There are
rewards for airline travel, hotel points, cash back, for brand-name merchandise,
and even for organizations. Some rewards credit cards come with benefits for
auto rental, auto rental collision damage waiver, emergency card replacement, lost or
stolen card reporting, and zero liability, you would need to visit the Visa
website for these details and more as there are some restrictions and
limitations that may apply. Whether you are a student or adult looking for a
card that suits your life style, there may be a Visa card or secured
visa that will interest you.
Visa
Cards
Students,
couples, or an individual needing to re-establishing credit may want to consider
applying for a Visa credit card. These cards can be an easy way to make
purchases instead of carrying a lot of cash in a purse or wallet. Visa has some
traditional card offers that could be used for everyday purchases, to pay bills, or get cash
and have some security features with the card. They are accepted at millions of
locations and it makes shopping for groceries, gas, entertainment, dining,
traveling, and paying bills much more manageable.
Some
Visa cards have benefits toward auto rentals, emergency card replacements, zero
liability features, and even getting cash in emergencies available. There are
certain restrictions or limitations that may apply, so be sure to review all the
benefits included with any card you apply for and get all the details. Zero liability
issues may not apply to transactions not processed by Visa, so review these
details as well. For more information on cards and benefits, visit their
website.
Visa
Card
According
to information on Visa's website, fraud within their system has fallen to a historically low level
with only five cents per $100 transacted. Their transaction volume has grown,
yet they are protecting merchants, cardholders, and institutions from payment card fraud
and that has been one of their highest
goals. They invested millions of dollars for anti-fraud technologies, products and
services to protect cardholders and they
spend millions annually to create fraud fighting technologies and services. Even
though they work hard to do this, merchants have some responsibility to protect the payment system
and cardholder data too.
On the card face,
there are several anti-fraud features to make card reproduction extremely difficult.
These include the "Flying Dove" hologram, that is visible when the card is placed under ultraviolet light, and the "Flying V" embossed security character.
The signature panel and magnetic stripe are designed to make sure the person using the card is the
cardholder, and the transaction is routed correctly to their account.
Merchants are
liable for fraud in cases where the card is not present at the point of purchase,
like over the phone, in the mail, or on line. Visa developed Verified by Visa, an authentication
service to help online merchants reduce or eliminate their fraud exposure on Visa cards.
The three-digit code printed on the signature panel, helps internet merchants verify their customers have the
card in their possession. Visa supports Address Verification Service, a fraud prevention system that
lets merchants compare the billing address of the purchaser with the billing address on file.
Visa also educates merchants about how to protect themselves against fraud.
Visit the Visa website for this information.
The
Visa Debit card is also referred to as a Visa check card. It is a debit card that
can be used instead of writing checks. Anytime the card is used, the amount is deducted directly from your checking account.
It still has security protections and the cardholder can pay for all types of purchases
easily. Consumers only need to swipe the
card to pay and it can eliminate the need to write checks or carry cash. It is accepted at millions of places worldwide,
and can be used to pay monthly bills, get fast food, buy groceries, get
entertainment, prescriptions, online purchases, and anything you want to
purchase at a place that accepts the card.
Cardholders
can manage their money by getting up-to-date balance information and transaction history.
Transactions are automatically deducted from your checking account and usually posted within 24 hours of
a purchase. So you can check balances and transactions on the card issuer's website or by phone.
Cardholders
can get a checking account statement that details purchases and these can be
used to find out where your money goes. There is an option cardholders can get,
and that is security protection to help prevent, detect and resolve fraud
issues. Cardholders can also earn rewards just by using their card by shopping and saving with merchant discounts.
Some Visa Debit cards offer rewards, like Visa Extras to get rewarded for all purchases — like paying bills, buying groceries and picking up your morning coffee.
There are details about all of this information on their website. Review these Visa
Card offers.
Auto Loan: Get free quotes and apply for a new or used auto loan or for auto refinancing.
Credit Report: Free credit report help to fix credit report errors and improve credit score ratings. You are entitled to one free credit report annually.
Debt Counseling: Get your expenses under control with credit counseling, an unsecured debt consolidation loan, debt management or negotiate debt settlement.
Free Credit Offers: Get no obligation, free credit offers plus financial tips to help effectively manage your personal finances.
Home Loan: Free multiple quotes from mortgage lenders. Apply for a new home loan and start building your financial security.
Mortgage Refinancing: 2nd mortgage loan and other types of mortgage refinancing for home remodeling, equity cash out or a debt consolidation loan and more.
Payday Loan: Easy approval bad credit unsecured loan with no credit check, no deposit and no security.
Personal Loan: Submit a short or long term personal loan application (if available), or apply for other secured or unsecured loan offers.
Personal Finance: How to file bankruptcy plus free bankruptcy forms. Create a household personal budget, balance a checkbook register, track expenses and more.
New Credit Card Statement Disclosures - Before you wonder if your credit card debt had vastly multiplied since your previous statement, remember that new Credit CARD Act requires additional information, such as a payout forecast that shows how much interest you'll pay and how long it will take to get out of debt by making the minimum payments.
Although these new figures may be scary, overall not much has changed with your account. Basically, the interest costs over the long term are being revealed to you each month. One thing is nearly certain; by making cardholders aware of interest costs and length of time to become debt free with only minimum payments, cardholders may be more conservative with charges.
The new statements also offer ways to get debt help, including a toll free phone number consumers can call for information on credit counseling. Since Feb. 22, when major provisions of the Credit CARD Act and the new statements went into effect, credit counselors have seen a definite shift in consumer behavior as more people have called counseling agencies.
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