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Online application for a Visa credit card, such as the Visa gold card. Visa offers both secured and unsecured credit cards.
Tip: Do not get blinded by high rewards cards otherwise you may subject yourself to huge fees
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.
Other Gold Card Offers...
Select a Credit Card Issuer or a Type of Card Offer
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.
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MasterCard and Visa Launch Cross-Industry Effort to Accelerate Payment Security
New group will include broad representation from the retailing, financial and equipment manufacturing industries
NEW YORK--(BUSINESS WIRE)--Mar. 7, 2014-- MasterCard and Visa today announced the formation of a new cross-industry group focused on enhancing payment system security to keep pace with the expectations of consumers, retailers and financial institutions. The group will initially focus on the adoption of EMV chip technology in the United States, in addition to addressing other security-related topics, including tokenization, point-to-point encryption and broader needs of the region.
“One of the critical roles we play is to protect consumers and businesses against criminals and fraudsters,” said Chris McWilton, president of North American Markets, MasterCard. "Only through industry collaboration and cooperation will we address the real and immediate issue of security and maintain consumer confidence and trust. EMV will be the next step in these efforts, alongside enhanced security solutions for online and mobile channels.”
This new group will include a diverse group of participants in the payments systems including --- banks of all sizes, credit unions, acquirers, retailers, point-of-sale device manufacturers and industry trade groups. The formation of the group is a public recognition of the importance of all parties to work together and will ensure all voices can contribute to the strategic direction of payment security.
“The recent high-profile breaches have served as a catalyst for much needed collaboration between the retail and financial services industry on the issue of payment security,” said Ryan McInerney, president, Visa Inc. “As we have long said, no one industry or technology can solve the issue of payment system fraud on its own. These conversations will serve as a useful forum to share ideas, break down barriers and spur the adoption of next generation security solutions for the benefit of all.”
With a priority on delivering meaningful solutions that benefit consumers, merchants and financial institutions of all sizes, this group will focus on a broad range of security-related topics, including:
1. Advancing the migration to EMV in the United States. Chip technology generates a unique code for every transaction, making it nearly impossible for criminals to use the card for counterfeit fraud.
2. Promoting additional security solutions like tokenization and point to point encryption.
While EMV addresses the physical point of sale, the need to protect mobile and online transactions is critical. In tokenization, the traditional account number will be replaced with a unique digital payment code, providing an additional layer of security.
3. Developing an actionable roadmap for securing the future across all segments of the payments industry.
MasterCard and Visa expect this group will complement and engage with other efforts across the industry, including proprietary risk councils, EMV task forces and the standard management bodies.