Unsecured platinum credit card with 0 intro APR and low interest.
Apply for an unsecured platinum credit card with 0 intro APR and low interest. You may balance transfer other credit card during a no interest rate introductory period. Have bad credit? Apply for a *guaranteed platinum credit card with an unsecured credit line.
Apply for a Chase Platinum Card with all of these privileges: 0% Intro APR*, No Annual Fee, $500,000 Worldwide Travel Accident Insurance, Hertz® Car Rental Discounts, Up to $100,000 Credit Limit, and Online Account Access and Bill Payment. *See Credit Card Offer Terms
*View Rates, Fees, Rewards and Other Important Information.
Other platinum credit cards: Browse for a Platinum American Express, Platinum MasterCard or a Platinum Visa Card. Or, consider a guaranteed platinum credit card with a high limit credit line. Such cards offer product purchases from specific vendors.
Why is a platinum credit card only for good credit people?
High credit limit platinum credit cards require above average credit because of the issuer's financial risks. The credit card issuer evaluates their risk by reviewing your credit report to see if you have been paying obligations, including other credit card payments, on time.
If your credit report reflects negatively, or if you have no history available to show the issuer, you may be considered too high of a risk for a platinum credit card.
American Express platinum cardoffers an array of customized benefits and outstanding rewards. Your Platinum Card is your invitation to experience unique world-class privileges. Plus, you’ll receive all the traditional benefits offered by American Express
Chase Platinum Credit Card Everything you want in a card - and more. Chase Platinum Card is the card of choice if you want the peace of mind that comes with Chase's superior customer service. 0% introductory APR for twelve months and No annual fee. With Chase Travel Rewards you can earn 1 point for every $1 you charge on your Chase Platinum credit card
Visa® Platinum Apply now for the Visa® Platinum with no annual fee and high credit lines. Credit lines granted as high as $25,000. Get low fixed APRs with the Bank of America Visa® Platinum.
MasterCard platinum card also offers 0 intro, rewards and incentives. Apply for your MasterCard platinum card
Visa
cards come in many types and are available for good or bad credit people. For
example, an AccountNow Gold Visa Prepaid Card, is not a credit card but a
prepaid/debit card that can be used as long as the person has funded their
account. If the card does not have any funds, it can not be used. It is easy to
load funds onto a plastic card many ways, one is through making a deposit, and
there are hundreds of locations available for the user to load funds. It takes
just minutes to apply and approvals may only take minutes.
These
cards are usually guaranteed card approvals because there is no risk for the
lender like an unsecured credit card. Using prepaid card offers is one way to
pay as you go, and have the benefit of using a card to make purchases or pay
bills. Prepaid Visa and prepaid MasterCard cards can be used anywhere their logo
is displayed. They are usually listed as prepaid or debit cards. Some examples
of some names of Visa
prepaid cards are the Green Dot Gold PrePaid Visa Card, UPside Visa® Prepaid Card,
and Walmart MoneyCard Visa Prepaid Card, each card has different benefits and
features for the member. Some offer cash back and can be easy to load at popular
locations.
Visa
also has unsecured credit cards where the member could choose their credit
limit, this type of card is not a prepaid or debit card offer. A card like this
may provide monthly credit reporting and may have fixed interest rates. There
are cards that can benefit people who want cash back rewards, travel perks,
hotel stays, and reporting to major credit bureaus. They have online account
management and online bill pay features. There are many card choices, for
consumers who want to apply for a Visa credit card.
American Express Adds U.S. Consumer, OPEN® Small Business and Serve Cards to Isis Mobile Wallet
American Express and Isis(TM), the mobile commerce joint venture between AT&T Mobility, T-Mobile USA and Verizon Wireless, today announced an agreement to make American Express' U.S. Consumer, OPEN® Small Business and Serve Cards available in the Isis Mobile Wallet(TM). American Express Cardmembers will be able to shop, tap and pay with their mobile device equipped with Near Field Communications (NFC) technology.
Last year the American Express network joined the Isis Mobile Commerce Platform. Now American Express is adding its Cards to the Isis mobile wallet to connect its merchant network with Cardmembers and create a secure shopping experience. With a tap of their phone, the Isis Mobile Wallet provides Cardmembers with a secure way to pay and take advantage of loyalty programs, together with the service they expect from American Express.
Serve is American Express' new digital payments and commerce platform and its addition into the Isis Mobile Wallet opens the door to new customer segments who can benefit from the service and security of American Express, without credit checks or monthly or annual fees. Serve extends the overall reach of American Express and provides a highly flexible and open platform that unifies online, offline and mobile payments into one single account. Serve account holders will be able to use the Isis Mobile Wallet at a later date.
The Isis and American Express agreement brings together leaders in the industry to build and grow the next generation of mobile commerce.
CHASE TO LAUNCH RELOADABLE CARD
Chase announced its plans to launch Chase LiquidSM, a reloadable card that offers customers financial control and flexibility with the convenience of Chase's extensive branch and ATM network. Chase Liquid is available in approximately 200 branches during the pilot phase and will be made available in our national footprint this summer.
Chase Liquid has a flat monthly fee of $4.95 and does not charge customers anything additional for making withdrawals and deposits at Chase ATMs and branches, or for the number of purchases they make. In addition, Chase Liquid customers will not pay to check their balances – at Chase ATMs and branches, on Chase.com, via text, or by speaking with a customer service representative. In total, Chase Liquid provides consumers better value than other reloadable cards and non-traditional financial services providers.
Chase Liquid customers receive a clear and simple one-page disclosure that allows them to plainly see a description of fees and when deposits are available. This form incorporates leading consumer group disclosure recommendations.
Chase Liquid customers will pay no additional charge to:
* Open a Chase Liquid card;
* Refill their card with cash or checks at Chase's 10,500 DepositFriendly^(SM) ATMs and 5,500 branches nationwide;
* Withdraw cash at Chase's 17,500 ATMs and 5,500 branches nationwide;
* Sign up for direct deposit – paychecks or government benefits such as Social Security;
* Transfer funds to their Chase Liquid card from Chase accounts on Chase.com or at Chase ATMs;
* Receive online or paper statements; ? Replace lost cards;
* Receive account alerts via text or email, and check balances via text; or
* Call customer service (customers have access to English- and Spanish-speaking customer representatives 24/7).
Additional card benefits include:
* No overdraft fees.
* Chase Liquid balances are FDIC-insured.
* Chase Liquid offers reimbursement for unauthorized purchases and withdrawals.
* Customers can make purchases with Chase Liquid anywhere Visa® is accepted.
Chase Liquid will require a low initial deposit of $25 and customers are not required to have a checking or savings account with Chase.
For more information, please visit www.chase.com/liquid
Citi Announces Exclusive BrandSource Card Relationship
- Multi-year agreement to provide credit services through merchandise retailer's 4,500 stores nationwide
Citi announced a new multi-year card relationship with BrandSource, one of the nation's largest buying groups. BrandSource provides low prices, large selection and exceptional service on appliances, electronics, bedding, home furnishings and floor covering to millions of shoppers in North America. The BrandSource Credit Card program will provide customer financing for purchases at more than 4,500 locally-owned BrandSource retailers across the country.
The signing of this U.S. retail card agreement with BrandSource reinforces Citi Retail Services' market-leading position providing customer financing and loyalty solutions in the retail industry. Citi will provide unique customer value propositions and fully integrated marketing programs to drive increased BrandSource sales and loyalty.
This new relationship follows multiple contract renewals announced by Citi over the past 18 months with long-standing partners such as Sears and Shell, and continues to affirm Citi's commitment to growth in the retail card space.
"Citi Retail Services is proud to welcome BrandSource to our portfolio of leading retailers across the country," said Craig Vallorano, EVP, Citi Retail Services. "This new relationship is the latest in a series of extensions and new agreements demonstrating our commitment to provide best-in-class loyalty and credit programs and a comprehensive suite of services to our growing family of partners."
"We are extremely excited to partner with Citi Retail Services," said Bob Lawrence, CEO of BrandSource. "Citi's expertise across the payments and retail industries and its ability to deliver both an integrated marketing campaign and the high-level support to our network of dealers sets them apart from other providers. This new program delivers a significant competitive edge for BrandSource and our network of dealers and will ultimately benefit our customers."
The BrandSource Credit Card, available in local member stores starting in April, will provide BrandSource customers with special rebates and offers, no interest financing options and a simple application process, including in-store credit approval. Additional product information is available at local BrandSource dealerships or by visiting
(brandsource.com).
Citi Retail Services provides consumer and commercial credit card products, services, and retail solutions to national and regional retailers across the U.S. The business services nearly 90 million accounts for a number of iconic brands, including The Home Depot, Macy's, Sears, Shell and ExxonMobil, among others.
Discover Financial Services Announces First Internationally-Issued Discover Cards
Diners Club del Ecuador Sociedad Financiera to Issue Discover Cards; Leverages Strong Diners Club Market Share in Ecuador
Discover Financial Services announced it has expanded its franchise agreement with Diners Club Ecuador (DCE) to include issuance of Discover cards in Ecuador. This is the first time in company history that Discover cards will be issued beyond U.S. borders.
As part of the agreement, DCE has been given the exclusive rights to issue Discover cards in Ecuador and will sub-license the issuing rights to Banco Pichincha, the largest bank in the country. Currently, DCE owns a market share of more than 40% by sales volume in Ecuador through their Diners Club products, and the complementary Discover card product was designed to further grow market share in the country. Discover cards will be processed on the Diners Club network in Ecuador, which boasts 100% merchant acceptance.
The new Discover card will initially offer a basic version of Discover’s award-winning cash rewards program, Cashback Bonus, which includes up to 1 percent cash back on all purchases. New card products and features will be rolled out over time, as “cashback” is still a new concept in Ecuador. Cash rewards can be redeemed for a gift card once cardmembers earn $20 (USD) or a statement credit once they earn $40 (USD).
“Discover clearly will benefit from the success of the Diners Club Ecuador franchise, which is a dominant force throughout the country,” said Diane Offereins, EVP and President of Discover Payment Services. “By leveraging DCE’s strength and expertise in-market, Discover has a tremendous opportunity to build its brand globally and share its most compelling attributes – including best cash rewards, service and value – with the people of Ecuador.”
“This agreement gives us the opportunity to expand our financial services product portfolio and introduce consumers in Ecuador to the Discover brand, which has a proven track record of success in the U.S.,” said Pablo Salazar, president of Diners Club Ecuador.
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.
Get Your Credit Card Application Approved - Was your credit card application rejected? You never know when you may need that credit card for emergency loan funding. Take these steps so your next application gets instant approval.
First, find out why you were rejected by reading the rejection letter the issuer sent to you. If necessary, call the company for further details, if necessary. Some common reasons why a credit card application is denied are:
* Your application contained errors, mistakes or omissions. Perhaps you forgot to list your employment or income information, or you listed the current date of the application in the box for your date of birth.
* Your credit report contained errors or caused ID confusion. Maybe you have a common name and someone else with that name has bad credit and his data was incorrectly listed on your credit report. Or perhaps you had a bill you had forgotten about and is being reported as delinquent, or there are entries which are beyond the debt statute of limitations.
* Your employment history causes concerns. If you recently changed jobs or were unemployed until recently, you might have to wait six months or more or until you get a raise before you re-apply.
* Your credit record isn't solid. Although your current credit situation may be good, if you have a prior record of late payments or chargeoffs, etc, this can affect approval.
* Your having personal finance issues which are raising flags. Iif lenders suspect you're applying for credit due to a sudden financial crisis, they may reject you.
.
Next step is to resolve the cause(s) of your rejection. One good thing about rejection letters, is that they entitle you to receive a free credit report copy from the bureau used by the credit card company in making their decision. Additionally, you're entitled to free credit reports from all three major bureaus annually (TransUnion, Equifax and Experian).
Once you receive the report(s), fix errors, remove outdated entries which are beyond the statute of limitations, get caught up on bills, etc. You should:
Pay all your bills on time or early. You could set up automatic withdrawal payments or use free bill reminder software.
Pay down your balances on existing credit cards or loans so you won't have a high credit utilization rate.
Don't close credit card accounts which help you. Credit card companies become unsettled if an applicant has too much available credit. But if you close the card you've had the longest, that affects your credit history which also affects your score. Consider closing retailer cards that provide little benefit and just tempt you to shop.
Last step is to apply for the best credit card for you - not necessarily the one you want the most. If the problem(s) which resulted in your rejection was easily corrected, wait at least three months to apply for another credit card. Every time you apply that's an inquiry on your credit, and you want to make sure you spread those out over time.
But if you were rejected due to severe problems, it's very important that you shop around for a care you can qualify for before applying again.
If you're not sure, you can use a credit card matching service, or contact the issuers and let them guide you. Consider a secured credit card to rebuild credit scores. If you have bad credit and no credit card, apply for a secured card from a company that can later upgrade you to an unsecured credit card.
