Credit Advice & Tips

New and Used Car Loans and Refinancing  Secured and Unsecured Credit Cards  Credit Report, Score, Repair and Protection  Debt Counseling, Settlement and Consolidation  New Home Purchase, 2nd Mortgage ReFi, Cash Equity  Short and Long Term Personal Loans


Privacy and Security

  

It's time to begin planning
your holiday funding.
Apply for a Christmas credit card
or for a Christmas personal loan

    

             

     

     

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.

 

Credit troubles? 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 before you subject yourself to credit report reviews. Poor and bad credit people can apply for a credit card to rebuild credit or to establish credit. If you have 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. To take advantage of special card discounts, purchase 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: Apply for a debit card or a bank ATM card.

 

Rewards credit cards: In addition to perks such as a 0 intro balance transfer, major cards offer other 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.

 

Credit card interest rates: Some cards offer no interest and a 0 introductory period on purchases. There are also some with a special 0% balance transfer period so you can transfer balances from other cards to your new credit card.

 

Special credit card offers: Almost every credit card company will offer 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 company offers, including 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. These types of cards are generally unsecured platinum credit cards with high credit limits, and only people with good to excellent credit can get approved. High credit limit platinum credit cards require above average credit because of the issuer's financial risks. Student Credit Card - Apply online and learn the benefits of a student credit card. Click below to read our article and to submit an online application Secured Credit Card - What is a secured credit card, and what benefits does a secured card offer? Benefits of Credit Cards - Enjoy credit card benefits and perks, ranging from free airline miles, rebates, to cash back credit card incentives and rewards. Types of Credit Cards - Different Types of Debit, ATM and Credit Cards Although you might think that credit cards, charge cards, ATM cards and debit cards are basically the same thing -- a way to make purchases or get cash -- they are quite different. ATM Card - What is an ATM card? Author: Credit Federal. An ATM card used in an automated teller machine (ATM) to access a credit or a debit account to complete banking inquiries and fund transfers between accounts. Debit Card - A debit card offers many conveniences. Read and Apply online for a debit credit card. Click Below!  Balance transfer credit card debt - How to balance transfer credit card debt... High credit limit unsecured credit cards require excellent credit because of the issuer's financial risks and acceptance of existing debt (balance transfer) from another credit card. READ THESE IMPORTANT TIPS IN THIS ARTICLE- Gas Credit Card - Offset gasoline costs with a gas credit card. Earn rewards or cash back on gas purchases from Shell, Exxon, BP and Hess. Cash Back Credit Card - A Cash Back Credit Card is like having a bank savings account, and you can accrue some fabulous interest by comparison. Apply for a Cash Back Credit Card Avoid credit card rate hikes - Understand the universal default interest rate and how it can hit your wallet. Credit card issuers are upping the interest rate you pay on your debt even if you pay your bills on time, according to a study from Consumer Action, a consumer advocacy group. And this survey of 47 banks shows that anybody, not just people with financial problems, can face higher credit card interest rates due to a policy called universal default. Credit Cards with Rewards - Credit Cards With Rewards Are Worth a Look Credit card bill payments - Late credit card payments by consumers remain at a high level. In addition to this article, also reference Credit Federal's prediction titled "Flood, Forests and Fuel". Gasoline prices and rising interest rates appear to be placing the financial burden on consumers. Chase BP Credit Card - Chase, BP Renew Credit Card Agreement Chase Bank U.S.A., NA, a subsidiary of JPMorgan Chase & Co. [NYSE: JPM] and BP [NYSE: BP] today announced the renewal of their credit card marketing relationship. Under the terms of the new agreement, Chase will continue to issue the BP co-brand card and will assume responsibility for the BP proprietary card. MasterCard PayPass - Prom Catering to Accept MasterCard PayPass at PGA TOUR Events in 2006 PGA TOUR Spectators to Speed through Lines with the Convenience of 'Tap & Go' Contactless Payment Technology at Food and Beverage Stands Credit Card Fine Print - It's difficult, and boring, to read credit card fine print, but it is definitely a necessary evil that should not be taken lightly by consumers. Credit Card Approval - Looking for credit card approval? Read this article about getting approved and using your new credit card. Secured Credit Card Shopping - When shopping for a secured credit card, there are many important terms to review before applying. Small Business Credit Card Approval - The use and acceptance of small business credit cards increase over past year. Visa's second annual Small Business Cash Management survey also notes that cash management, financial planning and budgeting remain key concerns. According to the Visa survey, small business owners are increasingly adopting and are more satisfied with business payment cards as a tool for managing their business. American Express Red Card - In the battle to fight AIDS, American Express offers the Red Card to UK residents to help raise funds. AIDS charity DATA launched the initiative to raise money for the Global Fund humanitarian organization. The American Express Red Card features are:- RED money ? American Express willl transfer up to 1.25% to Global Fund-financed programs in Africa which positively impact the lives of women and children affected by HIV/AIDS. 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 - A survey of small businesses conducted by MasterCard reveals 84% of small business owners don't believe they will be victims of natural disasters, whereas 77% believe they are not fully prepared. Discover Card ATM Acceptance - Discover Card is now accepted at 58% 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 - To lure new customers and to get existing customers to use their cards more frequently, several banks are offering debit and credit card rewards. Here are some highlights: 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 - A Credit Card survey shows that credit cards are being used more and more, even for small purchases. Major Banks and Credit Card Issuers - News article about major banks and credit card issuers. Major Banks: According to the American Bankers Association, banks play a key role in financial education. The ABA testified to Congress that banks help consumers by providing financial literacy. The president of OmniBank said that too many people fail to realize their dreams and lose their hard-earned money because they lack basic money management skills. Credit Card Fees - Are credit cards rewards worth it? What about the percent fee? 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. Most businesses charge a 2 percent fee, and if they do not want to pay the fee that card issuers charge them they may pass this fee on to the cardholder. 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 - Free Credit Card Tips by Credit Federal. Avoid extra fees and high interest rates: Keep Interest Rates Down: Credit card issuers used a system called "Universal Default" or; more recently, a "Change of Terms" clause. This means, even if you pay your credit card bills on time, your interest rate can be increased if you are late paying another bill, such as your electrical bill. Credit Card Use - 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 - Review 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. Even though they do not offer a line of credit and cardholders can only spend up to the amount they have deposited (pre-funded) into the debit card, their popularity is nonetheless rising. The lack of power doesn't end there, either. Debit cards don't offer the same liability protections as traditional 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? - As the mortgage industry reels and tries to recover, attention is also being cast towards credit cards, the issuers and the cardholders. 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. AAA Platinum Visa� Card (888) 215-3049 AARP Rewards Platinum Visa Card (888) 215-3049 AARP Travel Plus Visa� Signature Card (888) 868-8618 Academy of General Dentistry Platinum Visa� Card (888) 215-3049 AccountNow Vantage Prepaid MasterCard (866) 925-2036 Keep Credit Card Accounts - With high risk loans outstanding and the threat of federal legislation on the horizon, 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 .Lower Credit Card Interest Rate A $5,000 charge at 16% interest could be paid off in 1 year with monthly payments of $453.65. But, let's raise the interest rate. That same $5,000 charge with a higher 22% interest rate would cost you $467.98 per month. Gas Credit Card Rewards - With fuel prices high, everyone can use some financial assistance. Gas credit card rewards can offer some relief via cash back. Filling up the gas tank is expensive and the cost could get worse. Using a gas rewards credit card may offset some of the cost if you have a good rewards rate, but you'll need to tactfully manage your credit. Whether or not you use a gas credit card, your gas cost is going to be the same. Best Credit Card Benefits+Rewards - Credit cards get more than their fair share of bad press, but the truth is that most credit card problems are with the cardholder, not with the card itself. Just like the saying "guns don't kill people, people kill people", a similar statement of "there are no bad credit cards, only bad credit people" could be said regarding credit cards. Credit cards offer us all sorts of benefits and perks. Sadly, 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 - With multitudes of card offers; ranging from instantly approved pre-pay cards to no deposit platinum rewards cards, how do you choose the best credit card? 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. Will this end bad credit cards altogether, leaving only platinum rewards cards that only the rich and affluent will qualify for? If so, how will poor credit consumers be able to obtain an unsecured credit card to rebuild credit? Avoid Over Limit Fees - In a previous article, we warned how some credit card companies were reducing maximum charge limits as they faced high risks of default in a trouble economy. Unfortunately, this jeopardizes many cardholders by making them closer towards exceeding their max charge limits. Here are ways to prevent going over-limit. Credit Card Secrets - Credit Card Secrets: Hidden facts you probably didn't know. Submit an online credit card application for any credit rating. Call To Activate: You've seen those little peel off warning labes that come stuck onto your new credit card, that tell you to call a toll-free number in order to activate your card. Some even proclaim it's for your personal protection. Credit Card FAQs - Common questions turned into credit card facts. Apply for a good or bad credit card. Choosing between the best credit card offers can be hard. Consider a no interest 0 intro balance balance transfer, a pre-pay ATM or a pre-paid debit secured credit card, or unsecured credit card benefits that offer travel, miles, discount and vacation rewards. Your Credit Card Rights - Recently the Federal Reserve proposed new credit card rules that would eliminate several unfair practices in the credit and banking industry. If passed, these new rules will become your credit card rights. Apply for rewards or 0 introductory balance transfer credit card offers. Need help repaying credit card debt? Request credit counseling assistance or unsecured debt consolidation today. Cancel Credit Card Account - Tired of credit card debt? Before you cancel credit card accounts, read this article. Also learn about credit card debt consolidation, counseling and chargeoffs and debt settlement. Close Credit Card Account - Close Credit Card Account. Free sample letter on how to close credit card accounts. Need a new card? Browse the best credit card offers and apply online. Sample Letter To Close Credit Card Account Credit Card Application - Browse for the secured or unsecured credit card that is best for you, with or without rewards. Submit your MasterCard or Visa credit card application online. Best Credit Card Rate - Learn which offers the best credit card rate, a variable rate or a fixed rate credit card? Variable Rate Versus Fixed Rate Credit Cards The interest rate for variable rate credit cards is a rate that is added onto the prime rate, which the Federal Reserve regulates. When the fed raises the rate, the Variable Rate charged to the cardholder also goes up. 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 - According to a Visa survey, more companies plan to increase use of business credit cards instead of paper checks for making payments. Browse and apply for a consumer or a business credit card. Visa's global survey revealed 74% of respondents are satisfied with their commercial credit card payment programs. 50% of respondents currently use commercial cards to make payments as part of their overall cash management strategies. Student Credit Card Advice - Free advice about college student credit cards. Tips to get the best card for you, 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. Browse secured and unsecured credit card offers and apply online. Federal Credit Card Survey Ratings - Bi-annual Federal Reserve System 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. 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 (which will require you to payoff the balance), payoff balances in full each month so you won't have any interest charges. Really Free Credit Report with No Credit Card - What consumers need to understand, is that there are many different ways to get a free credit report, but there's only one website that offers a truly, really free credit report with no credit card required. Many of the websites offering a free credit report copy do so as a promotional means. Gas Cards with Rewards - Want to get cash back when you put gas in your auto? Some gas cards with rewards include cash back when consumers charge for fuel or other auto related expenses. Many gas cards offer low introductory interest rates, rewards, and bonuses. Sample Credit Card Dispute Letter - Print this free, sample credit card dispute letter to send to your card company. Fill in the parenthesis ( ) to modify this free sample credit card dispute letter to have your card company correct a billing error Apply For A Balance Transfer Credit Card - Browse and apply for a 0 intro balance transfer credit card, but first read our free tips and 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. With all the ads to eliminate credit card debts and the hype about cutting up those credit cards, consumers could be also cutting down their good credit scores. Some consumers have a credit card that was obtained years ago - this is a big plus and especially if the charges are paid on time and in full - an added plus. 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 - With unemployment and low income problems, mounting debt and delinquent payments, Americans are wondering how to qualify for credit cards and rebuild bad credit. One thing is for certain--- as banks reel from the affects of their previous high risk lending to bad credit people, such people cannot soon expect large credit limit unsecured credit card offers. Joint Credit Card Accounts - Apply for and review these free tips for managing and sharing a joint credit card account. 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? In addition to knowing if; and when, fees are applied, consumers should also be aware of credit cards that have too many extra charges for services such as creating the account, monthly management and credit limit increases. Secured cards for consumers with bad credit often have such outrageous costs. Credit Card Holder Rights Act - Whether you have good or bad credit, the Credit Card Holder Bill of Rights Act is to protect you. Review free credit card tips for getting the best deal for secured and unsecured credit cards, and advice on managing accounts from gold to platinum. 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. Some Chase credit card members are suing the company for failure to fulfill promises. A few years ago, the company offered a Chase balance transfer credit card which promised a low rate for the life of the balance as long as the credit card remained in good standing. Credit Card Opt Out Agreement - Does your issuer offer a credit card opt out agreement? Recently some credit card companies have raised the interest rates on millions of credit card holders. Both Citibank and Bank of America raised the rates and sent notifications about the increase. Contacting the credit card company to discuss the rate hike may be in your best interest. 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 - If you are near bankruptcy, you may want to chargeoff credit card debt either yourself for free or by hiring a debt settlement company to negotiate on your behalf. The credit crisis and bumbling government legislation have created a catastrophic domino effect. After consumers had tapped out their mortgage equity and had no where else to turn, they ran up credit card debts. Settle Credit Card Debt - Some consumers have been living off their credit cards by using them for simple things like rent, groceries, or other basic expenses. One reason may be that many consumers have lost their jobs during this economic crisis. Many have maxed out several credit cards and the late fees and high interest rates are getting them deeper in debt. Did you know? A debt settlement company is more experienced and can negotiate a larger settlement amount. Credit Card Medical Bill Payment - With consumers charging more of their medical bills on credit cards, we should wonder why all credit card companies don't create a special health credit card. Due to job losses, some people make medical bill payments with a credit card.  The medical profession certainly would like to be paid by credit card. Many medical offices proudly display a sign if they accept credit cards and they may accept several card types. Close Credit Card Account - Should you; and instructions how, to close credit card accounts and the letter to send to the credit card company. High balance debt may drive you to terminate credit cards, but reducing credit limits could cause bad credit report scores. If you have problems with bills, develop a budget and a money management plan, seek counseling, consolidation or debt settlement. Who Pays Joint Credit Card Account - You may be surprised to learn who pays joint credit card accounts. 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 - Burdened with credit card debt, some Americans are canceling their accounts while others are simply cutting them up. While keeping the account open is actually good for your credit score versus closing the account, by leaving the account open you could leave yourself open to fraud, too. But 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. Usually this happens when a person has not made any payments for six months or longer. The lender will still try to collect the debt and then write as a charge off. They can report the charge off to credit bureaus. 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 - When you need a credit card for bad credit, consider banks and credit card companies that specifically offer subprime cards to rebuild credit scores. There's no sense in wasting your time; and having unnecessary inquiries into your credit report, by applying for high limit or rewards cards. Advice to Rebuild Credit with a Credit Card - The purpose of a credit card to rebuild credit scores is to re-establish a positive credit history. Use the card to make small purchases that can be paid in full each month. Secured Prepaid Cards and Unsecured Credit Cards - Credit card tips: There are a lot of choices and variables to choose from, whether you want a secured prepaid card or an unsecured credit card. Credit Card Deals and Education - There are different kinds of credit cards not only for various credit scores, but also for special uses from establishing or rebuilding credit to earning rewards. 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. But use it safely! Read our free Christmas Card Shopping Tips, and apply for your Christmas charge card. Click to Read More! What is Worse than a Credit Card? - With all the government focus on credit card company operations, the real financial thieves remain untouched. Cellular phone companies have far worse negative impacts on consumers' finances. According to a 2009 report by ConsumerReports.org, the average consumer spent $600 a year on cell phone use, but families that talk, text, or use other phone features spend upward of $1,800 a year. Dwell on that for a moment. Credit Card Comparison Guide - Review credit card comparisons of introductory interest rates and special rewards offers to help you choose the good or bad credit card right for you. Note: Rates and Rewards are as of the date of this article, and are subject to change. For updated rates and rewards information, please refer to the respective card issuer website. Good or Bad Credit Card - Credit card issuers are trying to change their image from bad to good. Maybe the bad rap credit card companies get from the federal government and by people who spend beyond their repayment means, are motivating card issuers to improve their image. To help college students and others make their credit card bill payments on time, Chase offers text message alerts. Tips Before Submitting Credit Card Applications - Free credit card tips: Credit cards are very useful as a back up when you have no cash on hand The problem with credit cards is high interest rates or finance charges and also the temptation of spending more than you can afford; like the old saying, " living beyond your means". 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 - Credit Card News - People choose credit cards because the benefits can outweigh the bad. People who can control their spending urges to avoid debt, enjoy the security credit cards offer as well as the rewards. Sure, there are a lot of Americans who are neck deep in credit card debt, whether at the fault of the user or the credit card issuer is another story. Credit Card Error Codes: Response Reason Codes and Response Reason Text - RESPONSE CODE RESPONSE REASON CODE RESPONSE REASON TEXT NOTES    1 1 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. Note that this is not a model form, and use is not mandatory. This simplified approach will help consumers better understand their credit card agreements. Get Out of Christmas Credit Card Debt - Free tips and advice on how to get out of Christmas credit card debt. Did your credit cards gain a few pounds over the holidays along with you? It is fun to make charges on credit cards during the holidays and see the joy that gifts bring. That is until the credit card statements glare at you from inside the mailbox. Just like we put on extra pounds - so will credit card balances during the holidays. Chargeoff Christmas credit card debt - File bankruptcy or chargeoff Christmas credit card debt and other unsecured bills. If you've exhausted all solutions for meeting your financial obligations, it may be in your best interest to file bankruptcy. Although bankruptcy is much the same as simply not repaying debt, it's a legal chargeoff procedure. Credit Cards VS Charge Cards Which Is Better - Credit cards and charge cards serve the same basic purpose... to charge purchases for payment later. As such, the term 'charge card' is often used to describe both although 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. Using our free financial calculators, you can determine for yourself which option would save you the most money in interest. Let's review a comparison example: 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? One way to get a relatively low interest, long term loan is to use the equity in your vehicle to secure a loan. If you still owe money on your auto and don't hold the title in your name due to a lien, apply for a refinancing loan. Democrats Allow Higher Credit Card Fees - Obama's consumer financial watchdog agency is allowing credit card companies to charge big upfront fees, which is likely to affect subprime, bad credit borrowers the most. 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. These unused balances could be used by the state to pay its own bills. Soon, New Jersey will require gift card sellers to obtain ZIP codes from buyers so it can claim unused balances of resident cards that have been inactive for two years. 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.  Credit cards offer a revolving line of credit, meaning that consumers may carry a balance from month to month rather than having to pay the balance in full every month. Use Extra Money to Payoff Credit Card Debt or Put in Savings Account - A reader asks: "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? " Answer: You can win with either option. The option which can save you the most money is to payoff credit card debt. You would save the card's interest charges you would have had to pay, which is a far higher rate than what a typical bank savings account pays. Credit Cards by Credit Score Rating - Not sure what credit cards you qualify for? 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: When you don't pay your credit card bill or other loan, your credit card company, lender or a third party collection agency could file a law suit in civil court to sue for payment. Be a Smarter Credit Card Comparison Shopper - There are fabulous card offers out there, but don't fall victim to glitz and hype. Here are free tips on how to be a smarter credit card shopper. Most Popular Credit Cards - Review the best and most popular credit cards for gas purchases, sky miles, travel and balance transfers. Getting Your First Credit Card - Common mistakes to avoid when getting your first credit card. 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? It's hard for teens to establish credit since credit options on their own are limited. In most cases they can't get a line of credit without a cosigner or by being an authorized user. For that reason, many parents choose to add children to their accounts. Vacation Travel Credit Cards - Part of your vacation planning should include 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.*See website for changes, updates, and for full terms and conditions Student Credit Card Use Tips - How student credit cards should be; and should not be, used. There's no arguing how convenient and life-saving credit cards can be, yet it's equally evident how they can be abused and cause long-term problems. Smart Student Credit Card Management - Read these tips on how best to use; or not use, student cards: 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. With that in mind, here are several cards for you to consider. Are Paperless Credit Card Billing Statements Better - You may think paperless billing statements are better for the environment and offer more ID theft protection, but consider the cons. If you elect to go paperless, you'll no longer receive a credit card statement in the mail. Instead your statement is available online to view, download, save and print. Your credit card company will send you a monthly notification email when your statement is ready. Advice for Common Credit Card Problems - During our use of credit cards, certain situations arise for many of us. Here are some which may; unfortunately, happen to you and what you can do. If your credit card interest rate goes up... You can do one of four things:1) Accept the rate increase2) Opt-out of the rate increase, which may result in your card not being renewed or you must payoff current balance3) Stop using the card. 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 - If you have; or are about to, max out credit cards, you need to be aware of the affects it can have on other credit. 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. First timers usually dive in and start submitting credit applications, not knowing that doing so could be a waste of time as well as endanger their credit score with too many unnecessary inquiries. As with any situation, preparation is key. The very first consideration is what credit can you expect to get? Retail Credit Card Rewards - There are plenty of store cards, yet weigh all retail credit card rewards, terms and conditions before you apply. Many of the rewards are restricted to the stores themselves; some also restricted to in-store shopping and do not apply to online purchases, and introductory perks often fall short. The following retail rewards credit cards feature benefits that can be redeemed with specific retailers. Types of Banks for Credit Cards and Business or Personal Loans - Three types of banks to choose to meet your needs for business or personal loans and credit cards, Retail banks: 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. Some people use credit cards to buy back-to-school supplies because they are short on cash, and others use charge on credit cards to earn rewards and maximize their money. School supplies can get costly even with just one child, so it makes sense to get the most with your money. 0 Intro Credit Card Reviews - The longest 0 introductory credit card offers. Review this listing of 0% intro cards of up to 18 months for purchases and balance transfers. How to Choose a Credit Card for Christmas - What can be more confusing that filing IRS taxes? Choosing a credit card! 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 a credit card for Christmas purchases. 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. This holiday snowball can end up causing extreme financial stress on you and your family. If you've accumulated a mass of credit card debt which you simply cannot afford to repay and if you have no other options, you may want to consider a Christmas credit card debt settlement. 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. So if you've paid a fee before they've helped you, you can pursue a refund. Amendments to the FTC's Telemarketing Sales Rule prohibit companies that sell relief services like these rate reduction scams on the phone from charging a fee before they settle or reduce your debt. 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. Review our Credit Card Grace Period Explained article. General Financial and Credit Card Account Sharing - There are pros and cons involved with general finance and credit card account sharing, yet mostly negative. There are some surprising ways another person can impact your credit score. We're all already aware of the impact identity theft has, so in this article we will discuss authorized credit entanglements, as well as the pros. Lesser known negative impacts: Someone else's use of your car can affect your score. 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 - The Credit Card Companies with the Most Complaints. Credit Cards that Benefit Animals - For lovers of wildlife and pets, here are 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 - What to look for before applying for student credit cards. First thing you need to determine is what cards you qualify for. Once you narrow down the list, then you can begin comparing offers. In your side by side comparisons, look at the following: What is the credit limit What is the interest rate/ Is there an annual fee or any other fees What is Credit Card Blocking - The definition of credit card blocking and why it is used. Definition: Credit card blocking is when a company reserves a certain amount of money against your credit card limit. Why is credit card blocking used? Since most credit cards have limits on the amount of money that can be charged to the card, companies you are seeking services from want to make sure they get the amount they will charge before you max out the limit. Charge Off Christmas Credit Card Debt - How to Charge Off Christmas Credit Card Debt Yourself You don't need to hire a company and pay fees to charge off Christmas credit card debt. You can do it yourself, free. What Happens After You Swipe Your Credit Card - Everyone knows how to make a card charge, but what happens after you swipe your credit card in the machine? A near instantaneous series of actions transpire when use your credit card: As soon as you card is swiped, your card information is entered into the merchant's payment system (POS terminal). If you purchase online, that data is processed via the merchant site's e-Commerce software. How to get every cent from Gift Cards - Don't leave money on gift cards. But how do you spend money left over on a gift card without having to buy more then the card balance, and then add your own money? It has been estimated that 10 to 15% of gift cards are never redeemed, which totals a billion dollars in unspent, pre-paid money. To draw every cent from the balances of your gift cards, donate them charity. Credit Card Limit Lowered - What to do if your credit card limit is lowered by your issuer.  Did you credit card limit get lowered? You don't have to just sit back and take it, you do have options. Call your card issuer. Call the number on the back of your credit card and request your previous limit to be restored. These tips will make the issuer more open to returning your limit: Be polite and speak calmly Remind the issuer how long you've been their cardmember Credit Cards that can Only be Used for Gas - Browse these credit 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 You already know about how to get free money to offset travel expenses by cashing in sky miles, or to help with motels, gas purchases, and even how to get cashback. Too often, we focus only on these direct ways to save or to gain free money. Usually we think about either a cash back card, or 0 intro card to give us more time to repay, or other rewards. How Using Credit Cards Affects Credit Score - Does the percentage of your credit limit used affect credit scores? Yes. 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. Why? Because how much of your credit limit used is an indicator of your credit risk when seeking additional loans or credit cards. USAA Credit Cards - Compare USAA Credit Cards which offer low rates, rewards, military benefits and no annual fees on select cards. The Affects of Just One Credit Card Late Payment - One mistake can be costly. Beware the affects of just one late payment on a credit card. Here are things likely to happen when you miss even a single credit card payment: Your credit card company will charge a late fee. BUT, if you've been a good paying cardmember, you may get them to waive this fee so call and ask. If they won't waive the fee, you'll see the charge (usually $15 to $35) on your next billing statement. 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. For example, if some theft hacks the terminal of a store you patronized with your debit card and he spends using your data, you could be held responsible for up to $500 in charges. Credit Card Cautions - Review 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. If you're looking for an auto rewards credit card, read these reviews to decide which has the best terms for you. Chrysler MasterCard Review The Chrysler MasterCard lets you earn points toward a new Jeep, Dodge, Ram, Chrysler or Fiat vehicle with no annual fee. Toyota Rewards Visa Review 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 - Retail Store Credit Cards May Not Have An Expiration Date 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. The reason; logically, is to entice customers in a competitive struggle against other credit card companies. READYdebit(R) Platinum Visa(R) Prepaid Card - Review Issuer Comments about the READY debit Platinum Visa Prepaid Card Quicksilver Cash Rewards Credit Card Benefits - Sit back and enjoy earning unlimited cash back Summary of Key Benefits: Earn unlimited 1.5% cash back on every purchase, every day No rotating categories and no sign ups needed to earn cash rewards Save with a low intro APR on purchases and 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 - 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 - Getting your first credit card can be scary and nerve-racking. Review first time credit card applications that help build credit. How to Compare Credit Cards - How to Compare Credit Cards by Reviewing Terms and Conditions, Interest Rates and Rewards What is Credit Card Churning - 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 - There are some Credit Cards that make You look Rich, but the Best Require Excellent Credit and Wealth. Some credit cards make you look rich just by whipping them out and slapping them onto a counter. Particularly if the card is made of metal. Instead of cheap plastic snap, the sound of a metal card is almost like a trumpet blowing, announcing the King has arrived. PrePaid Credit Card Fees - Review PrePaid Credit Card Fees and Issuers Offering No Fees. Guaranteed Credit Card with High Limit - Guaranteed Credit Card with High Limit for Bad Credit People Unable to Qualify for Standard Unsecured Cards Credit One Bank Cards - Get the credit card that's perfect for you. Our cards are even available to those who have had credit problems in the past and those who may have little credit history. Pre-Qualify Here for Cards. See if You're Pre-Qualified. It's easy, fast and won't affect your credit score! Takes less than a minute.  Platinum Status 1% Gas Rewards Automatic Credit Line Increase Reviews� Free Online Monthly Credit Score Tracking Credit Cards You Can Use Right Away - Browse Secured and Unsecured Credit Cards You Can Use Right Away and Apply for Card Offers Most Costly Credit Card Perks and Rewards - Review the Most Costly Credit Card Perks so You can Decide if the Fees are Worth it. Credit Card Perks and Rewards are fantastic, but some are incredibly costly. These credit cards make you look rich because you pretty much have to be to afford them. American Express Centurion Credit Card has an annual fee of $2,500. 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. Professional Assistance with Debt Here are signs that you may have a credit card addiction:* You conceal your charging habits from family members or partner. Most all of us are affected by guilt when we do something wrong. As such, hiding over-charging may be your attempt at concealing something you feel bad about which you know is wrong.

   

  

   

    

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.
  

                 

 

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Enjoy credit card benefits and perks, ranging from free airline miles, rebates, to cash back credit card incentives and rewards.

 

Maximizing Rewards Credit Cards

Sadly, the average household with rewards credit cards don't cash-in a third of the rewards they earn each year, per a study from Colloquy and Swift Exchange.

One problem is when people choose a rewards card because it sounds good, not because it fits their financial lifestyle. For example, people who frequently travel might do best with a hotel or airline card. If you travel by car often, then maybe a gas card. For those who don't patronize one type of category, a general cash-back card could be ideal.

Cashback cards are quite simply to earn and cash-in rewards. Another great benefit of cash-back cards is that they have several ways to redeem rewards either by receiving cash checks, statement payment credits, gift cards or even charity donations. Some issuers will automatically deposit rewards directly into your bank account. How exceptionally convenient is that? No hoops to jump through.

What most makes rewards cards complicated, are the various benefits they offer and some have incredibly tedious requirements to redeem rewards.

Some rewards card require a spending threshold before accruing rewards, while some cap the amount of rewards you can earn. Ugh, and there are issuers who have blackout dates for redeeming travel rewards, or they inflict expiration dates on points.

With cash back rewards cards, you can earn 1 percent to 2 percent cash back for all; or select, purchases. Again there may be restrictions or requirements like caps on spending in different categories or more rewards for purchases on dining, gas, groceries or certain retail stores.

Knowing how to earn; and how to redeem, points and rewards is but part of process. Often their are special bonus incentives to get you to spend. With these you can double or even triple your rewards earnings power. An issuer may offer an increased cash back return rate every quarter in certain categories. During the summer when gas prices are high; for example, to get you to purchase fuel issuers may offer a higher cashback rate.

Earning rewards are great, but not at the expense of high interest charges by carrying balances or paying fees. To gain an actual benefit from rewards credit cards, you need to earn more than you spend in interest and other charges. Each month when you receive your statement, you should tally up rewards earned and compare that to your total cost of having and charging with the card. Definitely, paying off balances in full each month during the grace period is the surest way to have a higher rewards earning to card cost ratio.

And don't even think of missing a payment. Some rewards cards will wipe out your earnings after one or two late payments. To be safe, think about cashing in rewards as soon as you can versus letting them accrue and place them at risk of loss.

Rewards credit cards have offers such as points, cash back, free merchandise, free gift cards and discounts.

Points credit cards assign a certain number of points per dollar spent, any may have variables depending upon the type of charge.

Cash back cards are the simplest to understand and to redeem. The issuer rewards a percentage of the purchase as cashback, and the percentage may fluctuate depending upon the type of purchase. These cards include cash back percentages either for Gas, Groceries, Retail, or Restaurants.

Discount rewards allow you to redeem your rewards for discounts on certain products and services.

Keeping your rewards: There are many ways in which you can inadvertently lose your rewards, such as:

  • Late payments

  • Allowing rewards to expire

  • Not spending the minimums

  • Failing to read the fine print

  • The card issuer suddenly changes its terms

   

Ready to go rewards card shopping? Here are things to consider when searching and comparing offers:

  • Don't get a card with high interest or fees you cannot afford

  • Choose a card with lower interest versus higher points/rewards if you will not payoff balances in full every month

  • Pay off your balance each month to avoid late fees and interest rates

  • Get a rewards card that matches your spending habits and has rewards you can truly use

  • Pick rewards that match your lifestyle

  • Watch for limits on points earnings

  • Be aware of limits

  • Don't fall victim to promotional rates

  • Find cards that offers rewards which won't require you to spend more than you can afford

  

  

Airline Miles Credit Card - this card is perfect for anyone who travels frequently. In addition to awarding frequent flyer miles to the user, this card can also offer discounts on airfare at participating airlines, such as Southwest.

 

Cash Back Credit Card - this type of card is ideal for people who rarely use cash when making purchases. By making purchases with the card, users can earn cash back based upon a percentage of their charges. Some issuers tailor the card to the user's personality, by allowing a higher cash back percentage on charges they most frequently make. For example; if the user mostly makes charges at a grocery store, the issuer credits a higher cash back percentage for those purchases. Other issuers may offer higher cash back percentages for purchases made at participating retailers, such as Home Depot or Sears.

 

Business Credit Card - these are not only for large businesses, now even small businesses can get this type of credit card, and can get separate cards for employees who make purchases on behalf of the company. Again, some business credit card issuers will sweeten the offer by awarding discounts for purchases made at participating retailers, such as Office Depot, or will award cash back percentages.

 

Retail Credit Card - if a person uses a credit card only at one particular store, a retail credit card can offer discounts on purchases. Examples of this type of card are: Sears Card, JC Penney Card, Wal Mart etc. Regarding the Wal Mart Card, users can get discounts on Wal Mart gasoline purchases, which is quite beneficial during current high gas prices.

 

Shopping Credit Card - typically known as Catalog or Merchant credit cards, these allow even bad credit people to obtain an unsecured line of credit. Purchases are restricted to a certain merchant or a specified catalog, but nonetheless offer the ability to make purchases on credit. For people with very bad credit, this is an excellent way to obtain credit. Just be sure to use a card that reports your timely payments to a major credit bureau so you can build your credit.

 

Other Rewards Credit Cards - you can find cards that offer a variety of discounts and free services, such as free music downloads, free roadside assistance, as well as protection against identity theft.

 

 

Credit Card Benefits

 

Credit cards are safe: If your card was issued in the United States and is lost or stolen and used by a thief, the most you'll be held liable for is $50. You don’t get that kind of guarantee with cash or checks.

 

Credit cards provide emergency buying power: Car broke down? An unexpected emergency room visit? A reassuring credit card benefit is that you don’t need to worry about having enough cash on hand or if a merchant accepts checks.

 

Credit cards offer protection: In most cases it's easier to reverse a credit card charge than to cancel a check payment or get a cash refund.

 

Credit cards can build your credit rating: A major credit card can help build credit ratings. Fact: the single strongest reference on a credit report is a major credit card, paid on time over time.

 

More credit card benefits

In many countries, major credit cards are widely accepted. You’ll often get a favorable exchange rate as well. And some cards offer benefits like emergency card replacement or free Collision Damage Waiver Coverage on rental cars.

 

With a credit card, you have the option of paying your bill in full and usually avoiding any interest charges, or making smaller payments. Charge cards, on the other hand, require you pay the entire balance in full each month. Of course it’s a good idea to pay as much as you can each month to avoid carrying too much debt or paying large finance charges.

 

Credit card perks range from free frequent flier miles to extended warranties on merchandise you buy with the card.

 

There are credit cards for just about every walk-of-life, meaning; chances are, there's a credit card tailored to satisfy your individuality. Credit card issuers; in their attempts to attract new customers, are creating card offers leaning heavily towards user personality.

 

But before you rush out to find a card that fits your personality, you first need to determine which types of credit cards you may qualify for. If you aren't sure of your credit score, you should order a credit report, or you can use the estimated prequalification guide.

 

Once you have an idea of what types of credit cards you may qualify for, you can begin your search to find your personality card. Listed below are examples of these types of credit cards:

 

For nearly every individual personality and credit rating, their is a credit card issuer who wants you to become their customer. Be sure to read all the Terms and Conditions, so you know exactly what you will get before you apply.

 

  

Need more credit card information? Read our financial and credit articles related to rewards such as cash back credit cards.


Credit Card

  

Everyone likes to use credit cards and they are very popular during holiday seasons when gift giving is necessary. Many people who are watching their budget will usually try to set a certain amount of money for gifts they purchase. According to a Visa Inc. survey, about 78% of their respondents will have a holiday budget to meet when they start their shopping. Prepaid cards as gifts can be one way to keep spending in check.

  

A gift card can be a great gift idea and a way to be dedicated to a particular spending plan. Most people like to get money even in the form of a prepaid card. There are many prepay cards on the market with popular companies. Most people like to have money to spend on things they really want and a prepaid card eliminates the need to have to provide the perfect gift or the worry of trying to find the perfect gift for someone. These cards are great to use any time, and not just for gift giving. Using a piece of plastic is much easier than trying to carry cash or checks. Loosing cash means it will probably not be able to be recovered. Using cards can mean that nothing will be lost when the card is reported as soon as possible.

  

Visa gift cards are very popular and people every where have enjoyed getting them. The person who gets one, has the flexibility to use the card anywhere the Visa logo is displayed. A prepaid card is only good for whatever amount has been funded on the card, it is not a charge card like an unsecured credit card. Once the funds are used, more would have to be loaded onto the card to be able to spend more money. If a gift card is needed, people only need to visit a popular credit card website to view the details about their gift cards or their other unsecured credit cards.


 

October 20, 2014 

American Express Announces Availability in Apple PayPay On the Go with Apple Pay at Contactless Merchants or in Participating Apps Where American Express Cards are Accepted

Amex Mobile App Connects to Apple Pay for Account Monitoring, Servicing and Access to Rewards and Offers


New York, October 20, 2014 -- 
American Express today announces availability in Apple Pay™, the easy, safe and private way to pay with iPhone® 6, iPhone 6 Plus, iPad® Air 2 and iPad mini 3. Apple Pay will be available for eligible U.S. Consumer and OPEN American Express® Card Members(i).

Apple Pay allows American Express Card Members to seamlessly add their eligible Card and pay with their mobile device at contactless merchants in stores or directly within participating apps that accept American Express. When paying with Apple Pay, Card Members will continue to receive all of the protection, service and benefits offered by American Express. 

In addition, Card Members who use an eligible American Express Card in Apple Pay get these features:

- Real-time notifications and details for all purchases


- Seamless connection to the Amex® Mobile app for enhanced account monitoring, servicing and access to rewards and offers

How to Add an American Express Card to Apple Pay
After downloading iOS 8.1, Card Members can go to the Apple® Passbook app to get started. If a Card Member already has an eligible American Express Card on file with iTunes, they only need to type in the Security Code – or they can simply choose to add a new American Express Card. 

Availability
Apple Pay will begin rollout in the U.S. starting Monday, October 20, 2014, with iOS 8.1. Apple Pay works in stores with iPhone 6 and iPhone 6 Plus. Apple Pay is also available to pay for physical goods and services in participating apps with iPhone 6, iPhone 6 Plus, iPad Air 2 and iPad mini 3. 

Trusted Safety & Security
Whether a Card Member swipes, clicks or taps to pay, American Express has their back. With fraud and online protection, American Express is working to safeguard Card Members: 

- For security, a Card in Apple Pay will be tokenized with a different number than the Card Member's plastic Card


- Every payment will be authorized with Touch ID or a passcode before the transaction is processed

For more information on Apple Pay please visit www.amex.co/applepay.

 

*Before applying for any credit card offer, first read the terms, conditions, and fees for the card.

 

 

October 20, 2014
Chase Joins HBO and Starbucks To Salute U.S. Veterans And Their Families With The Concert For Valor, Live On The National Mall In Washington, DC

Live Talent to Include Eminem, Jamie Foxx, Dave Grohl, Metallica, John Oliver, Rihanna, Bruce Springsteen, Carrie Underwood and Zac Brown Band, with Special Appearances by Meryl Streep, Tom Hanks and Steven Spielberg, Among Others

NEW YORK, NY – Oct. 20, 2014 – Chase announced today it is joining HBO and Starbucks Coffee Company (NASDAQ: SBUX) as a presenting sponsor of THE CONCERT FOR VALOR (www.theconcertforvalor.com), a first-of-its-kind concert to honor the courage and sacrifice of America’s veterans and their families on the National Mall in Washington, D.C., to be presented live on HBO this Veterans Day, Tuesday, Nov. 11 (7:00 p.m. ET/4:00 p.m. PT).

The concert will feature a broad array of talent from the worlds of music and entertainment, including Eminem, Jamie Foxx, Dave Grohl, Metallica, John Oliver, Rihanna, Bruce Springsteen, Carrie Underwood and Zac Brown Band, as well as special appearances by Meryl Streep, Tom Hanks and Steven Spielberg, among many others.

“Our firm has a long history of honoring our country’s military and veterans and it is a tremendous opportunity for all of us at Chase to be a part of this powerful event to support our service men and women,” said Jamie Dimon, JPMorgan Chase & Co. Chairman and CEO. “As a company, we aim to serve members of our armed forces with the respect and special benefits they deserve – especially during the challenging time when they transition out of the military. This event is a small way to thank our veterans, as well as a way to ensure that we also continue to recognize the sacrifice and hardships they have endured to protect our nation and our freedoms.”

THE CONCERT FOR VALOR will provide a national stage for ensuring that veterans and their families know that their fellow Americans’ gratitude is genuine. Millions of people, including veterans, active duty servicemembers, their families and Americans from all walks of life are expected to watch the free concert in person or on television, with the goal of raising awareness for veterans service organizations dedicated to education, wellness, reemployment and reintegration. The event will be presented from the National Mall between the Capitol and the Washington Monument, and HBO will offer its affiliates the opportunity to open the signal, allowing nonsubscribers to view the special. Former U.S. Secretary of Defense and Starbucks board member Robert Gates and former Chairman of the U.S. Joint Chiefs of Staff Admiral Michael Mullen are serving in an advisory capacity with regard to veterans outreach and veteran service organizations that will be recipients of concert donations. Throughout the concert, viewers will learn of sacrifices veterans have made, the bravery and leadership they demonstrate, and the huge economic benefit and opportunity that transitioning veterans bring to American communities and companies. These stories of valor are told in “For Love of Country,” a new book co-authored by Howard Schultz and Rajiv Chandrasekaran of The Washington Post, published by Knopf and available nationwide on November 4. The authors will donate proceeds from the sale of the book to veterans service organizations. You can learn more about the book here.

THE CONCERT FOR VALOR builds upon the firm’s longstanding commitment to veterans. JPMorgan Chase will provide $20 million to organizations that support military veterans and their families over the next five years, building on the $25 million the firm has already provided to organizations supporting the military and veteran communities since 2011. These funds will be focused in areas such as employment, education, and housing which are designed to help veterans and their families succeed after their service has ended. In 2011, JPMorgan Chase partnered with 10 other companies to launch the 100,000 Jobs Mission, which has hired a total of 161,752 U.S. military veterans through the second quarter of 2014. In addition, the coalition has grown from 11 founding members to 176 companies that represent almost every industry in the American economy. JPMorgan Chase has hired nearly 7,800 veterans since 2011. Through its nonprofit partners, the bank has awarded more than 700 mortgage-free homes to deserving military families, including over 100 as part of a partnership between Chase, Operation Homefront and country superstar Tim McGraw.


*** Before applying for any card, first read the terms, conditions, fees, benefits, rewards,

       & services of the card offer. Need a card to rebuild credit?

 

September 16, 2014
Citi® Double Cash Card

- No Annual Fee1


- Low Intro APR for 15 months.


- NEW: No Caps & No Category Restrictions.


- Earn Cash Back TWICE on every purchase with 1% cash back when you buy & 1% cash back as you pay.


- Purchase & Balance Transfer Rate, 0% Intro APR on purchases & balance transfers for 15 months; after that a variable APR of 12.99% - 22.99%, based on your creditworthiness.


- Pay for purchases in full or over time.


- Balance Transfer Fee Either $5 or 3% fee of the amount of each balance transfer, which ever is greater.1


- Citi Double Cash has no restricting categories to keep track of or enroll in.2


- After earning $25 in cash rewards, you can redeem them, share them with friends, or save them for something special.

Some Services:
- A late fee pass on your first late fee


- Damage & Theft Purchase Protection


- Representative help 24 hours a day


- Citi® Private Pass® offers


- Citi Price Rewind


- EMV Chip Technology


- Extended Warranty2


- Citi® Identity Theft Solutions


- $0 liability for unauthorized charges


- 24 Hour fraud protection


- The Lost Wallet® Service


- Worldwide Car Rental Insurance


- Trip Cancellation & Interruption Protection


- Worldwide Travel Accident Insurance


- Concierge Service

 

*** Before applying for any card, first read the fees, terms, conditions, benefits, & services of the card.

 

 

  

October 20, 2014

PULSE Introduces Comprehensive Consulting Service for Financial Institutions

30 Years of Experience Leads to PULSE InSightsSM; Advisors to Present at PayThink

HOUSTON--(BUSINESS WIRE)--Oct. 20, 2014-- PULSE, one of the nation’s leading debit/ATM networks, has launched PULSE InSights, a consulting service to help financial institutions analyze and improve performance in key areas of their retail banking business in an increasingly competitive marketplace.

PULSE InSights will provide strategic guidance and support to help banks and credit unions increase revenue, expand cross-selling programs and strengthen customer relations in a cost-effective manner.

“Our 30-plus years of helping financial institutions succeed in debit gives PULSE a unique perspective and experience in delivering comprehensive solutions that positively impact their bottom line,” said Annette Harris, director of Marketing at PULSE and practice lead for PULSE InSights. “PULSE InSights is a logical next step in serving as an advocate for the interests of our financial institutions and their cardholders.”

PULSE InSights focuses on five areas:

Card Portfolio Performance: Provides portfolio insights and best practices after analyzing a financial institution’s mix of products and examining cardholder behaviors.
Marketing Services: Delivers end-to-end support in developing and executing data-driven marketing campaigns.
Retail Branch Maximization: Identifies and addresses the financial institution’s key issues that affect efficiency, customer experience and overall profitability.
Customer Experience: Examines factors such as channels, technology, operations and personnel that impact the cardholder experience.
Contact Center Optimization: Evaluates the efficiency and effectiveness of the financial institution’s contact center and uses industry benchmarks to identify opportunities.

“At Old Second, we always look for ways to enhance our customer relationships,” said Keith Gottschalk, executive vice president and chief operating officer of Illinois-based Old Second National Bank. “PULSE’s advisors helped us assess our debit rewards program and find additional ways to align it with the needs and wants of our customers while increasing the program's value to our bank.”

InSights Presented at PayThink

Harris will present, along with Gil Mermelstein of West Monroe Partners, the techniques financial institutions can use to analyze and harness data from their debit portfolios at the PayThink conference on October 21. PayThink is an industry forum on ATM, debit and prepaid solutions held in Phoenix. 

 

 

DISCOVER CASHBACK CALENDAR:
Gas Stations


July - September 2014
Discover Cardmembers are signing up to get 5% Cashback Bonus at Gas Stations on up to
$1,500 in purchases, now through September 2014.

 

Oct -Dec 2014 

Sign up now to get 5% Cash back Bonus on up to $1,500 in Online Shopping and Department Store purchases, from now through December 2014.*

-----------------------------------------------------------------------------------------------

Discover It Card,- No annual fee
- No over the limit fee
- 5% cash back in categories that change
- 1% cash back on other purchases
- Use rewards instantly at Amazon.com checkout3 
- 3% fee for each balance transfer
- Paying late won’t raise your APR
- No late fee for your first late payment
- No over limit fee
- 0% Intro APR* for 14 months on purchases & balance transfers,
  then 10.99%-22.99% Standard Variable Purchase APR applies
- If you lose your job, get a lower rate, lower payment or other help
- Free FICO® Credit Score on your monthly statement and online2
- 100% U.S.-based customer service available 
- Pay your bill up to midnight (ET) the day it's due by phone or online
- No foreign transaction fee 
- Emergency travel assistance when you're away from home
- $0 Fraud Liability Guarantee
- April - June 2014 earn 5% cash back bonus at Home Improvement Stores- 5-20%

  cash back at 200+ online retailers like Apple Store, Macy's & BestBuy through
- ShopDiscover.com
- Choose from millions of items at Amazon.com, pay with Cashback Bonus.2
 
Travel:
- Auto rental insurance


- No foreign transaction fee- Emergency travel assistance to help
 
Build Cashback Bonus:
- Earn 5% Cashback Bonus up to the quarterly maximum on categories that change

  during the year like gas & restaurants & more- 5% to 20% Cashback Bonus at online

  retailers through ShopDiscover


- Every purchase automatically gets a Cashback Bonus
 
Redeem Cashback Bonus:

- Turn Cashback Bonus into bigger rewards each time you redeem for gift cards
  with brand name partners- Pay with Cashback Bonus at checkout with online 

  retailers like Amazon.com


- Get a Discover Gift Card & we will waive the purchase fee and shipping charges


- Donate to charity and credit your Discover Card account


- Electronic deposit to your bank account


- Get cash where you shop, without a trip to the ATM
 
Get Cash at the Checkout:

- Use your Discover Card at checkout


- Choose how much cash over the purchase amount

 

* Before applying for any credit card offer, first read the terms, conditions, and fees for the card.

Apply for the Best Back to School Credit Card for Savings Rewards on Clothes, Shoes, Notebooks and All Supplies
Review and Compare Multiple Dining Rewards Credit Cards Offering Restaurant Perks and other Benefits
Compare and Apply for the Best Vacation Credit Cards to Match the Rewards You want
Review the Different Types of Credit Card Rewards Programs and their Fees, and Choose the Category you can Benefit Most
Credit Card Loyalty Programs and those Offering Rewards can be Costly so be sure to Compare Fees and Risks
Review the Most Costly Credit Card Perks so You can Decide if the Fees are Worth it.
Review of the Quicksilver Cash Rewards Credit Card Benefits
Car Rewards Credit Cards to earn points to use toward the purchase of a new car.
Take advantage of back to school credit card rewards to save money on student expenses.
There are plenty of store cards, yet weigh all retail credit card rewards, terms and conditions before you apply.



Christmas Loan and Credit Card Financing - For many holiday shoppers, they'll have a choice between obtaining a cash personal loan or an unsecured credit card to purchase their Christmas gift shopping.

Which is best? That depends on the type of loan or credit card. As for loans, a long term personal loan has far less interest and an easier repayment plan. In regards to unsecured credit cards, there can be a tossup between rewards cards vs those with no rewards yet very low interest rates or an introductory period.

The best strategy for a personal loan with monthly installments is to get only the amount you actually need, and to setup a repayment term as short as possible. If you choose this option, aim for a loan you can easily repay within one year (12 installments). There are two reasons for this: 1) To reduce interest costs and 2) Why still be paying for one Christmas over three or more Christmas'?

Some personal loan lenders may offer you a grace period of 90 days before you must start repaying the loan. Even if this is offered to you, you should still start repaying the loan within 30 days of obtaining it. Each month, add a little extra payment towards the principal. In keeping with this, you'll need to ensure the lender does not charge any early payoff penalties.

Typical qualifications for a long term personal loan are:
No late payments in the past 90 days
No bankruptcy in the past 7 years
Ample income to repay the loan VS debt owed
Active employment for the last three years

Instead of paying interest, it's possible to earn money by choosing an unsecured credit card for Christmas shopping. A rewards card that generates cashback for purchases, plus has a 90 day 0% interest introductory rate can stuff your purse or wallet with much needed cash. Of course you'll need to payoff the full charges within the intro period in order to make out like a bandit.

For shoppers who patronize a particular store, they could obtain a card which offers the maximum cashback for purchases at certain retailers.

Yet there's another great advantage to using a credit card vs a loan... a credit card offers purchase protection and/or extended warranty coverage at no extra charge.

Finally, there's the security issue. If you obtain a cash personal loan, you'll be an open target for thieves, whereas your liability is limited to no more than $50 with a credit card.



How a Credit Card May Hurt Your Credit Score

Before you apply for a new credit card, consider how it will impact your credit score

Whether consumers care to admit it or not, one of the most important numbers in one's financial life -- perhaps in one's life overall -- is the credit score. For a typical American, the credit score along with the full credit report could dictate how easily you will be able to build wealth.

The best example of this is the typical home mortgage. A low credit score with a troubled credit history, two situations that often complement each other, could easily result in a borrower paying tens of thousands or hundreds of thousands dollars more in interest than she would have with an excellent score. If purchasing a home and relying on a loan is in your future, the health of your credit should be a primary concern. Even small mistakes could have costly repercussions.

As building good credit is a fact of life for most consumers, it makes sense to ensure even your smallest decisions with money don't inadvertently hurt your credit score. Knowing how a credit score is calculated is helpful to make the best decisions, and one important factor in all varieties of these scores is the credit utilization ratio.

The credit utilization ratio is the percentage of your total credit limit that is actively used. The credit bureaus that compile reports and produce scores, Equifax, Experian, and TransUnion, rely on the credit card companies to provide accurate information about your debt level and credit limits. Unfortunately, an increasing number of credit companies bend the rules for their own benefit.

For example, consider using a Citi World MasterCard with a $5,000 credit limit. You pay the bill in full every month, but at the time Citi reported your balance to the credit bureaus, you owed $500. Most credit cards would report these two numbers to the bureaus, resulting in a credit utilization ratio of 10 percent. However, this credit card and some others have a different process; rather than reporting your $5,000 credit limit, they report the maximum you've spent using the credit card, perhaps $750. Through no fault of your own, your utilization ratio is now 67 percent.

While 10 percent is considered low and would unlikely affect your credit score, a ratio of 67 percent will certainly reduce the number. This is a significant advantage for the credit card industry. The more credit cards that report an artificially high utilization ratio, the easier it will be for any credit card issuer to justify increasing consumers' interest rates. An affected consumer will pay higher mortgage interest rates, if he qualifies for a loan at all.

Consider the credit cards you own and check your credit reports to ensure your credit cards are reporting your true credit limits. If not, call each issuer and request -- or demand -- to switch to a card that does.

Sell Christmas Gift Cards for Cash - A gift card exchange website allows you to swap Christmas gift cards for cash, Amazon or for a PayPal payment. The payment for your gift card is determined by the market rate which is influenced by the card's brand, seasonality and other factors. More popular gift cards; those in the greatest demand such as JC Penney, Sears, Wal Mart and Home Depot, are easier to sell over other non-popular stores. Some exchange companies will buy gift cards electronically and through postal mail, too. The electronic exchange is done securely and instantly, and is a much more convenient method of selling gift cards. Selling through the mail is also easy, especially if the company provides free shipping. To ensure a safe and legal transaction, the company will likely want to verify your identity and ask you to provide your credit card information.


Get cash for unwanted Christmas gift cards: Some online gift card exchange companies offer up to 90% cash for unwanted gift cards, and they don't make you wait until they are able to find a buyer. The typical online selling process is quite easy, and usually involves: * Inputting information about the gift card you want to sell. Some websites may provide you with an instant quote on how much they will pay you for the card. * Mail your gift card to the address provided by the website. We suggest mailing the gift card in a sturdy envelope via first class mail with tracking, and include your order reference number as well as your name/address. Some companies don't require you to mail-in your card. Instead, they process and validate online. * When the company receives your gift card and verifies the value, they will send you a check.


Sell unwanted gift cards you got for Christmas: You can find a horde of online companies which trade, sell and buy gift cards. But not all of these companies are equal. Some offer different advantages in addition to payout percentages, so be sure to shop and compare. For instance, some companies offer up to 95% cash of the gift card's value. Other's have no mailing requirement or provide 100% free postage and handling. As a general rule, the larger the gift card value the higher the cash payment percentage. Some companies will pay you regardless if they re-sell the card, while others make you wait until they actually sell the card to a buyer and then they give you a portion of the sale.

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