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A few years ago, credit card companies started offering a 0% APR feature to attract more customers. APR stands for annual percentage rate, and it represents the interest rate that is applied to the balance you carry. With the 0% APR feature, you won't be charged any interest for an initial period of time. Getting this type of card may be helpful, but it's important to understand what's all involved. Here's a look at the pros and cons of this type of credit card.
Pros of a 0% APR Credit...
•Instant Approval Credit Cards: Three Terms to Look For When You Apply
When you apply for a credit card, it helps to know right away whether or not you have been approved. That's just what you'll find in an instant approval credit card. They are set up to let you know where you stand with a credit card company seconds after applying.
In addition to telling you immediately about your application status, instant approval credit cards usually offer additional benefits. Before you fill out an application, you'll want to pay careful attention to these benefits and...
•Apply For a Credit Card: A Step-by-Step Guide
If you need a new credit card, going online is the first step toward getting one. Websites on the Internet will give you a wide variety of cards to choose from, a quick application process, and offer you valuable information along the way. Here's a step-by-step guide to help you apply online for a credit card.
Search the Internet
Looking online for a credit card is like opening up your mailbox and having it stuffed full of credit card offers. There are so many to choose from that at first...
•Balance Transfer Credit Cards: Four Ways To Benefit When You Transfer A Balance
Got credit card debt? Transferring your debt onto a card with a lower interest rate may sound like the perfect solution...and it can be. But the secret lies in paying attention to the details when you apply for a balance transfer credit card. To benefit as much as possible with one, try following these tips.
Check the Fees
When you're looking for a balance transfer credit card, pay extra attention to the fees involved in the transferring process. Many will charge a certain amount for bringing...
•Rewards Credit Cards: Four Ways to Make the Most Out of a Rewards Credit Card
Rewards credit cards are a popular choice among consumers today. Many are drawn to the idea of applying for a card that sends out rewards every time a purchase is made. And there are now more types of rewards to choose from than ever before, from cash back to airline tickets, gas rebates, and even merchandise.
Experts warn, however, that many cardholders don’t take full advantage of this type of card. Consumers often sign up, and then forget to redeem the points they’ve accrued for...
•Credit Card Applications: What the Fine Print Really Means
When you apply for a credit card, reading through all of the small print on the application can be a drag. And with everything so fast-paced, do you really have time for all of that? Most people will respond with a "no." They'll simply fill out the application and hope for the best.
Unfortunately, not understanding the fine print can bring trouble your way. You might get hit with high fees or interest rates that you weren't expecting. But by taking the time to look over the fine print, you can...
•Cash Back Credit Cards - The Deal is in the Details
Cash back credit cards: do they really work? The simple answer is yes; the longer answer is that in order to make the most of them, you'll have to pay attention to the details. If you can stay on top of your credit card payments, and use the card wisely, you will definitely benefit from a cash back credit card. The key is to look at the fine print. Here are some tips to help you get a good amount of cash back.
Check the Percentage Rates
When cash back cards first began, banks usually offered...
•Cash Back Credit Cards: Three To Consider
Do you like the idea of earning money just for using your credit card? If so, consider applying for a cash back credit card. Each time you buy something, a portion of the amount spent will come back to you as a reward.
Cash back credit cards offer a variety of other benefits, from low introductory rates to travel insurance. Before signing up for one, you'll want to compare the different features available. Following are three cards to help you get started on your search.
Free Cash Rewards...
•Mastercard And Visa Credit Cards: Should You Apply For Both?
MasterCard and Visa: they're both household names in today's credit card world. In fact, MasterCard and Visa are so common that if you're shopping for a new card, it may be difficult to choose one over the other. Which one is more widely accepted? Which one has better benefits? Should you apply for both? Here are some points to consider while comparing MasterCard and Visa credit cards.
How MasterCard and Visa Operate
While you see their name on many cards, MasterCard and Visa do not actually...
•Variable Vs. Fixed Rate Credit Cards: Understand The Difference
Many credit cards come with special introductory rates. These often include low or 0% interest rates for the first months or year. But what happens after the introductory period? This is when most credit cards switch to a variable or fixed interest rate. Read on to learn the difference between variable and fixed rate credit cards.
Variable Rate Credit Cards
Variable interest rates are usually tied to another rate. Many credit card companies use the Prime lending rate as an index. This is the...
•Capital One Credit Cards: Card Offers For All Credit Types
No matter where your credit stands, Capital One has a credit card just for you. Want cash back but have less than perfect credit? You can get a cash rewards card from Capital One. Want to be awarded for your history of on-time payments? Capital One offers extra incentives for those with excellent credit. From customized cards to "no hassle" rewards, you're bound to find a Capital One credit card that fits both your credit score and style.
A Card for your Credit
Capital One offers cards for...
•Discover Motiva Card Rewards Customers For Good Credit Management
The newly launched Discover Motiva credit card is designed to reward customers for good financial management. Through its pay-on-time bonus and cash back features, Motiva offers cardholders two ways to earn money. With the Discover Motiva card, consumers do not have to be high spenders to be rewarded.
Pay-on-time Bonus
Those who hold a Discover Motiva Card will receive bonuses for making on-time payments. An on-time payment refers to paying at least the minimum payment due on or before the...
•Chase Freedom Cash Visa Card Lets Customers Choose Their Rewards
Chase provides millions of Americans with credit cards. As a leader in the credit card industry, this company strives to meet the various needs of its cardholders. One of the ways that Chase does this comes in the form of options. Chase has devised a program that allows customers to choose their rewards. With the Chase Freedom Cash Visa Card, cardholders have the opportunity to select from a vast array of rewards, including cash back, airline miles, gift certificates, and more.
Features of...
•Visa Credit Card Offers: A Look At The Best
Visa claims to be the nation's leading payment brand. And rightly so: more than 500 million Visa credit cards circulate in the United States. For every $100 that consumers spend, approximately $14.60 is spent with a Visa-branded product. Visa offers a large variety of credit cards for both consumers and businesses. Its unique corporate structure, emphasis on security, and solid card options make it one of the most popular credit card issuers today.
Corporate Structure
Visa stands for Visa...
•Instant Approval Credit Cards: No Need To Wait
The Internet has sped up the process of almost everything, including credit cards. Now you can apply online for an instant approval credit card. After filling out an application, you will find out in less than a minute if you have been approved. It’s just that easy and fast! Here’s what you need to know about instant approval credit cards and if they’re right for you.
How Instant Approval Credit Cards Work
If you’re considering applying for an instant approval credit card, the process is...
•How To Take Advantage Of Rewards Credit Cards
Want to save on travel, pick out free merchandise, or receive checks in the mail? These are just some of the bonuses companies offer through rewards credit cards. With a little planning, you can make the most of your rewards credit cards.
How Rewards Credit Cards Work
Companies offer a vast array of reward plans. Yet the basic principle of all rewards credit cards is the same: you receive “rewards” for using the cards. For cash back cards, companies offer a certain percentage, such as 1%,...
•Online Security: Be Safe With Your Credit Card
“You never can be too sure,” at least that’s what my anti-Internet Shopping friends tell me. Maybe they are right, but the Internet is too convenient and powerful to not take advantage of. So, as long as you are online, you ought to keep a few things in mind – after all they could be correct.
Phishing Scams – What to Watch For
The biggest credit fraud problem on the Internet today doesn’t have to do with consumer purchases, it has to do with a phenomenon known as “phishing.” Phishing is a...
•A Guide For Student Credit Cards
Oh, what a wonderful and terrifying time going off to college can be. Moving away from home and making it on your own is a huge step. You have taken all of the right classes to prepare you to succeed as a college student. But, you need the proper education outside the classroom in order to succeed. That includes knowing how to handle your student credit cards.
Keep Your Head On Straight!
One of the first things you will notice when you arrive on campus is that there are student credit card...
•Bank Of America Credit Cards: A Look At The Top 3
You probably know Bank of America from its commercials on better banking. They are one of the major players in commercial banking and lending. Well, you know you can enjoy their “Higher Standards” through a variety of products, including mortgages and checking/savings accounts, but did you know they have an uncommonly large pool of credit card options? “B of A” is one of the countries top credit card providers, and their Higher Standards certainly extends to this product line as well. This...
•Raise Your Credit Score In 7 Easy Steps
How important is it really to repair one’s credit score?
Credit scores are tantamount to one’s purchasing and borrowing power. Buying a new home, qualifying for a low APR credit card to shopping for a small business loan all depend on a consumer’s credit history. A low credit score identifies that a consumer may be overextended in bills, is unable to manage accounts or has a poor repayment behavior.
What is a credit score?
The credit score is prevalently referred to as a FICO score or a...
•Minimum Monthly Credit Card Payments On The Rise
It is estimated that more than 40% of Americans carry a revolving balance on at least one credit card. This is an enormous number, and it is caused primarily by the security people feel in making minimum monthly payments. When you charge money to your credit card, you are only required to make a small monthly payment to keep the debt from entering into collections, which means that a purchase made in 1995 might still be carried on a credit card in 2006.
Under pressure from the U.S....
•Gas Rewards Credit Cards: A Look At The Top Three
Gas prices are skyrocketing all across the United States, which means that consumers are constantly on the lookout for ways to counteract the unprecedented assault to their bank accounts. At over $3.00 per gallon for the lowest octane fuel, people who commute to work or drive for a living are suffering under the weight of gas prices.
One of the most effective ways to reap a few rewards on gasoline purchases is to purchase a gas rewards credit card. More and more people are applying for these...
•The History Of Credit Cards
The concept of credit is not new. In ancient Egypt and Babylon – more than 3,000 years ago – merchants bartered with currency and services in order to maximize their spending processes, often collecting what we now call “interest” on payments that were late or past due. Credit cards themselves, however, didn’t surface until the early 1950’s.
American Express and the Diner’s Club were the forerunners in “plastic money”, and issued their first credit cards to fewer than 200 Americans for use in...
•American Express Credit Cards: Getting The Most Out Of International Travel
Have you ever eaten at an expensive restaurant in a foreign country and watched as the waiter sneered at your Visa or MasterCard? Believe it or not, this is a common experience for international travelers, especially those who finance the trip with their business credit card. In the United States, currency is currency, but in other countries, how you pay can have a direct effect on the service you receive. Founded in 1850, American Express has grown into the preferred financial center...
•Top Four Cash Back Rewards Cards
If you haven’t taken a moment to scout new credit card offers, the time has arrived. Credit card companies are battling for the largest client base, and as a result, consumers are on the receiving end of very attractive benefits. One of the most popular types of cards on the market today is the cash back reward card. Although the logistics change depending on the financial institution, the result is the same: get cash back on every purchase!
Below are the top four cash back rewards cards;...
•Student Credit Cards: What Every Parent Must Know
Your young adult offspring is heading off to college for the very first time. Chances are she is well equipped with all of her bedding, music,laptop computer, compact refrigerator, and a whole assortment of other items in tow to keep her happy. There is one thing that you may have overlooked, a real help for students and a godsend for parents: a student credit card. Yes, credit cards are an invaluable part of every student’s college experience if used wisely. Let’s take a look at some benefits...
•Citi Credit Cards: A Look At The Top 4
With all of the credit card offers available to the public, consumers often have a difficult time choosing the one that’s right for them. Citibank, one of the leading credit card companies in the United States, has a variety of cards from which to choose. I will now highlight four Citi offers for those trying to decide which card is the right one for them. I picked the following Citi credit card offers to highlight based on their popularity on my website, www.credit-card-surplus.com. Read on...
•Advanta Business Credit Cards: A Closer Look
The credit card wars continue to heat up and that spells “good news” for consumers. Despite rising interest rates, many issuers are continuing with their popular 0% introductory APR plans, giving new card holders a great way to save money and pay off their debts. One issuer, Advanta, has thrown the gauntlet down and is now offering an extremely low APR on balances until the debt is paid off. Let’s take a look at three Advanta offerings to find the one that has the best advantage for you and...
•Gas Rewards Credit Cards Save You Money At The Pumps
Gas prices breaking your budget? Switch to a cash back credit card rewards plan and save 2% to 5% on all your purchases at your favorite gas station. For credit savvy consumers that can make a difference in real dollars and cents.
Branded gas company cards can cost you
By using a major credit card offered by Visa, Mastercard or American Express for your gasoline purchases you can save a lot of money over a branded gas company card, such as Shell, Amoco, Citgo or Exxon. Usually these gasoline...
•American Express Blue Sky Card: No More Restrictions!
One of the chief complaints heard from consumers regarding rewards credit cards are those cards that promise the world, but restrict you from getting there. Specifically, credit cards that allow you to accumulate a large number of points within a short period of time, but when it comes time to redeeming those points for free air miles, restrictions kick in. All those points and no where to go…at least on your schedule, that is. Well, American Express is doing something about all of that and...
•Credit Card Applications: Is It Safe To Apply Online?
Are you wanting to apply for a new credit card but feeling hesitant to perform the credit card application online? If so, you need not be concerned. Advances in the technology of secure e-commerce have made online credit card applications literally safer than filling out a paper application and mailing it through the US Postal Service. Here’s why.
SSL Technology
First, banking institutions that offer online credit card applications use the most up-to-date technology to ensure that their...
•Chase Platinum Credit Card: Chase Extends Promotional Period
Consumers looking to obtain a new credit card may just want consider the Chase Platinum Visa card. The Chase Platinum Visa card has been in existence for a long time, but just recently some strong improvements have been made by the J.P. Morgan & Chase Co. making the card a strong competitor in a highly competitive market. Is the Chase Platinum Visa card right for you? Please keep reading to find out for yourself.
Extended Introductory Rate
In the credit card business, all the top cards...
•Small Business Credit Cards: Reap The Rewards!
Are you looking to finance some of your small business related expenses? Did you know that small business credit cards can help you afford many of your business expenses? In fact, small business credit cards not only help you pay for business related expenses, but they also provide myriad benefits to credit card holders including expense management, detailed statements, frequent flyer miles, cash back, and reward points! Thus, small business credit cards are an asset for any small business...
•Instant Approval Credit Cards - The Advantages Of Applying Online
Getting instant approval for a credit card – and sometimes getting immediate access to use it – can now be done in less than 60 seconds. No muss, no fuss like the old days when getting a credit card took a month or more. If you weren’t aware of how instant your approval could be, now is the time to find out. Internet Technology and Security – Behind the Scenes of Instant Approval
How did the instant approval credit card come about? The answer is that the Internet has completely changed...
•Chase Credit Cards: A Look At The Top 3
Not too many people know this, but there are over 900 different Chase credit cards for consumers to choose from! Yes, the number you read is correct. With most of these cards being “affinity” cards, meaning having direct tie-ins with a store, or with an auto manufacturer, you name it the choices for consumers are bountiful. A little overwhelming too, don’t you think? To cut to the chase, pun intended, there are three Chase credit cards that stand above the rest. Let’s take a closer look at...
•5 Ways You Can Avoid Costly Credit Card Late Fees
Credit card late fees are a fact of life for some consumers, but they don’t have to be for you. Legally, credit card companies can hit you with pretty much whatever fees they want. On the other hand, you don’t have to pay them, but only if you avoid them in the first place. Here are five sure fire ways you can avoid costly credit card late fees:
1. Pay Before the Due Date. Of course, this makes the most sense. However, this is also the single most important reason why people get socked with...
•Airline Rewards Credit Cards: Choosing The Best Card
If flying to exotic destinations or traveling across the country on your favorite airline is something you want to do, you can get free trips with an airline rewards credit card. That’s right, by selecting the right credit card you can quickly accumulate enough points to take that well deserved vacation to the Virgin Islands or hop on a plane to visit friends in Dallas, San Francisco, New York or just about any U.S. city. Airline rewards credit cards are all the rage. Are you on your way to...
•0% APR Credit Cards: How Can They Do That?
During the days when the federal bank interest rates were at its lowest, back in 2002 and 2003 to be specific, countless credit card providers offered 0% APR credit cards to many consumers. Needing only to pay the outstanding balance, smart consumers were able to charge up to their limits without incurring monthly interest charges. The question that some people were asking when these cards were at their peak of popularity was this: how do credit card providers make money off of this type of...
•Citibank's Citi Simplicity Card: Now You Can Avoid Late Fees
Citibank recently launched a new credit card that takes away an important sting felt by many consumers: late fees. In an unusual move, the bank is now offering consumers “permanent forgiveness” for late payments and will no longer assess the customary $39 late fee when a payment arrives after the due date. While the offer sounds great on surface, if you dig a little deeper you will soon learn that there are some things about the new Citi Simplicity card that can cost you more money in the long...
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