Visa gold card - apply for an unsecured Visa credit card.
Online application for a Visa credit card, such as the Visa gold card. Visa offers both secured and unsecured credit cards.
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.
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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
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.
MasterCard
will be expanding its offers program on MasterCard MarketPlace™, which is the company’s
online shopping portal to have deals through December. This may give
people some good savings for their shopping needs. Cardholders should check for
savings with merchants like Barnes & Noble and Toys“R”Us that
could be available exclusively for MasterCard cardholders, by means of using the
MarketPlace to find some discounts. Consumers that use it may be able to get shopping deals
with merchants nationwide involving travel, computers, electronics, and more,
not to mention the convenience of shopping at your available time online. No
need to have to drive to a store to get a good deal, do it at home or anywhere
online.
There
is also a SmartyPig Cash Rewards Prepaid MasterCard Card, that offers customers
some cash back at specific retailers. Cardholders may not have a monthly maintenance,
and they can have an opportunity to earn some cash back with some U.S. retailers. SmartyPig online savings account holders
have an option to load funds through their online account onto a prepaid MasterCard that can be used anywhere
the debit MasterCard is accepted. Cardholders could earn automatic cash back by
making purchases at select retailers and the cash-back can be transferred to a SmartyPig savings account
or be left on the SmartyPig cash rewards prepaid MasterCard to use toward future purchases.
This
is just one more way a card can help people with the finances and give some good
benefits for spending money. Consumers like flexibility when it comes to using
cards and making purchases. MasterCard offers prepaid
cards that may be helpful to people who are trying to manage their finances.
They have innovative products like the MasterCard PayPass™ and MasterCard inControl™.
Their services have been helpful to consumers, governments, and businesses. For
more information visit their website for all these details and more.
Visa Raises "No Signature" Limit to $50 to Increase Merchant Efficiency & Consumer Convenience
Visa Inc. announced plans to raise its Visa Easy Payment Service "no signature required" limit from $25 to $50 for two key U.S. merchant categories. Starting in October 2012, discount stores and grocery stores/supermarkets in the U.S. can accept Visa cards for transactions up to $50 without requiring a cardholder signature or PIN, or providing a customer receipt unless requested by the cardholder.[1] This change is designed to increase speed at the point-of-sale, cardholder convenience and operational efficiencies for a large number of merchants.
Previously known as the No Signature Required program in the U.S., Visa Easy Payment Service allows merchants to eliminate cardholder verification and receipts on qualifying smaller value transactions. This helps make the payment process easier and more convenient for both merchants and cardholders. The program has been available to the majority of merchant categories in the U.S. since July 2010, for purchases up to $25.
As the $50 limit is introduced, Visa will review merchant, cardholder and card issuer feedback and may expand this higher transaction limit to additional merchant categories in the near future. Approximately 80 percent of face-to-face Visa consumer transactions in the U.S. are under $50.[2]
Streamlined Dispute Resolution Process - Visa also announced changes to its dispute resolution process to reduce unnecessary chargebacks and merchant documentation requirements and promote faster, more efficient dispute resolution for all participants in its payments system.
Starting in April 2013, merchants will be protected from fraud chargebacks on transactions that have been electronically read (i.e., swiped or dipped in, or waved past, a card reader), helping to reduce merchant fraud management costs when appropriate acceptance procedures have been followed at the point of sale. In addition, Visa will eliminate the requirement for its card issuers to ask merchants for a copy of the receipt when a cardholder disputes a transaction, resulting in back office operational savings for everyone. There is no change to existing fraud liability associated with these changes.
The changes to Visa's Easy Payment Service and dispute resolution process will help its merchant and financial institution partners to better serve their customers and grow their respective businesses.
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.
Compare Credit Cards Terms Conditions and Fine Print: Not all credit cards are alike. That's why it's important to carefully review a card's terms and costs before you sign up for it. In general, if you expect to pay your card bill in full each month, your best bet is a card with no annual fee and with the kinds of rebates or rewards that fit your lifestyle. "You also want to make sure the creditor grants you a 'grace period' before incurring interest charges; not all card companies do that nowadays," said Karen Porter, a Senior Consumer Affairs Specialist at the FDIC. With cards that have no grace period, you always pay interest, starting from the date of purchase. If you don't expect to pay off your card balance in full most months, go for a card with a lower Annual Percentage Rate (APR) and the right mix of rebates or rewards to justify any fees. Also, if the card has a low, introductory interest rate, be sure you know when the new, higher rate will take effect and what that rate will be. And credit cards with offers of "zero-percent interest" on purchases for a certain amount of time could end up being more expensive if you don't pay the balance in full by the expiration date. "When considering a balance transfer, make sure you know all the details and terms of the transfer," added Nancy Tillmon, an FDIC Consumer Affairs Specialist. "Online credit card calculators also can help you compare the terms of existing accounts against the details of the new card. Comparing card products could save you money." Also, be cautious of all fees. For example, credit cards that offer generous "rewards" (such as points or cash back) may have high annual fees. "The terms and conditions of earning and using the rewards can be complicated," warned Porter. "Rewards cards may also cause you to overspend just to earn the points." Other fees to think about include late fees, over-the-limit fees (for transactions that would put you over your credit limit), and balance transfer fees.
