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Showing posts from November, 2008

Gift Credit Cards - Learn the Benefits of Gift Cards Over the Holidays and Which to Buy

By William Perry

Gift credit cards are excellent things to buy for somebody you love, particularly if you don't know exactly what they want, as is often the case. Why risk buying something they won't like?

With a gift card, you can simply give them a predetermined amount, and they could spend the money however they want. Imagine all the returns that would be eliminated if everybody started using these over the holidays?

Typically, these are much easier to deal with than a paper certificate, and you can get them with either a predetermined amount, or a flex card, which can actually be refilled once the amount has been used up.

Another benefit of gift credit cards is that they are very simply to utilize, because as soon as you take one out, they are immediately activated, and the person you are giving them to can start using them immediately upon receiving it, until they reach the spending limit.

So where can you find gift cards from? Just about anywhere you like. You can get them fr…

Cash Back Credit Cards - Get Free Money

By William Sears

Money is the best reward when it comes to getting something back for using our card. Cash back cards are offered by a wide variety of issuers. If you use a credit card this is the one card you should have. There are many incentives that credit card issuers will offer but cash gives you the flexibility and control to be the bass.

The popularity of these cards continues to increase as consumers have realized the advantages. There are two basic ways they work. The first way is that the credit card company will simply send you a check when you have accumulated a $50 or $100 credit. The credit balance should appear on your monthly statement. The second method that companies operate is to have you call and request the check. This information will be in the terms and condition section of your contract.

A major factor to consider with these cash cards is to know what purchases will get you cash back. Most cards will reward you a flat 1% on all purchases. Those cards will also ha…

BestCash Back Credit Cards - Earn 5% Cash Back Automatically

With so many scams out there and businesses trying to pull the wool over consumer's eyes, it seems impossible to believe that a credit card would really offer to pay 5% cash back just for making purchases with the card. Nonetheless, it is true. Several of the best cash back credit cards are really giving their customers 5% cash back rewards - and you just might be able to take advantage of these special deals.

Beating the Competition

With so many credit cards out there, credit card companies are in a bind to find a way to draw more customers in. One of the answers they have come up with is to offer cash back credit cards. With these credit cards, you earn money back for every purchase you make. As cash back credit cards rise in popularity, credit card companies are once again at the drawing table looking for a way to bring customers their way. All of this fierce battling is perfect for the consumer, who can take advantage of the resulting deals.

One of these great deals is the …

Best Strategies For Online Approval Of Credit Card Application

Credit cards had been a popular form of purchasing items on a "chargeable" or borrowed term.

The advantages of having a credit card are:

1. Security, since one does not have to carry a large amount of cash to purchase certain items.

2. Convenience. In case one has to purchase an item that is immediately needed (and is out of cash), these can be purchased using a credit card

3. Cash advances. Purchases that require cash payments may still be accommodated by the credit card through the cash advance feature. This works like a regular ATM transaction (with of course a corresponding interest rate)

Disadvantages

1. Interest rate. Unlike purchasing with cash, credit card charges come with a corresponding interest (unless paid before the due date). The consumer should be aware of the various interest rates offered by the different credit card companies. One has to choose the mode of payment (plus the interest rate) that would best suit his or her capacity to pay.

2. Overuse. A consumer ten…

Best Reward Credit Cards Offer Smart Choices

When comparing the best reward credit cards, it makes sense to investigate everything, including the Annual Percentage Rate (APR) as well as any reward features that the card may offer. Potential cardholders should take into account the manner in which they handle their credit purchases. For instance, if the cardholder intends to make a large purchase using a credit card but plans to pay for the charge over the course of several months, then a low interest credit card will be a better financial choice over a reward credit card. If a cardholder plans on repaying the charge immediately (even if the card features a higher interest rate), reward credit cards might be a better choice simply because the interest rate will have no financial impact and will almost always provide a greater range of rewards than a lower interest card.

Balance Transfers

If it is your intent to take advantage of a reward credit card that features a 0% balance transfer offer, it might make sense to choose a card th…

Best Deals from Airline Credit Cards

Airline credit cards, primarily aimed at a travelers’ convenience, are the result of collaboration between credit card companies and different airline companies. These are very popular reward cards and are a step further to frequent flyer cards. Frequent flyer cards can be airline sponsored or bank sponsored. Bank sponsored credit cards allow more flexibility, as the miles earned can be used on many airlines unlike airline-sponsored, which focuses on single airline. Apart from numerous incentives, transactions on airline credit card can add substantial savings for the cardholder.

Generally, for every dollar charged on the card, you earn one “point” which is equivalent to a travel mile. In addition, these cards can be used with a wide range of services like hotels, car rentals, car wash, and shopping malls. Purchases made and hence the accumulated points (once they reach the required level) can be redeemed for free travel miles for the next trip.

Who Should Go For An Airline Credit Card?

Best Credit Cards

Choosing the best credit cards to meet your personal credit needs is an important step to take. Credit cards are the best for short-term credit borrowing, and if you choose the best credit cards wisely, you won't be struggling with unmanageable cards payments either. But how do you go about choosing the best cards for your circumstances?

Making a decision about the best cards to carry

Deciding on the best cards to carry in your wallet or purse should not be left to chance. The best decision is to shop around for credit cards instead of plumping for the first credit offers that hit your doormat, as these credit offers are unlikely to be the best for you. Your starting point when looking for the best cards should be an evaluation of how you best intend to use your credit cards, as the best credit cards for you will vary with personal circumstances. For instance, if you want to use your credit cards as a convenient replacement for cash / debit cards when shopping, and your best intenti…

Best Credit Card Processing Rates

Everyone goes into business to make money, so why spend more of your profits on expensive transaction fees, Website maintenance, service agreements and high credit card processing rates? When you take time to shop for the best deals, you can save quite a bit of money that can be used to good purpose in other parts of your business. Start shopping for the best credit card processing rates and open a merchant account.

You will first need to find a reputable bank or credit union that will agree to extend a merchant account to you for this purpose. To get approved, you will need a solid credit history, a reasonable business plan, and documentation to show that you are able to manage the costs associated with credit card processing rates. Typically, these include an installation fee for credit card processing equipment, a monthly gateway fee for your financial host, a transaction fee of a few cents per each or an overall percentage total each month. You also may be offered Website service t…

Best Credit Card After Bankruptcy - How to Find One

Finding the best credit card after bankruptcy is not that difficult, if you know where to look and what to look for.

Let’s start by talking about secured and unsecured credit cards. When it comes to applying for a credit card after bankruptcy one question that a lot of people seem to have is: Should I apply for a secured credit card or unsecured credit card?

In case you don’t know the difference, a secured credit card is “secured” by a special savings account you establish with the credit card issuer which acts as collateral for your credit limit.

For example, you deposit $500 in a special savings account and then have a $500 credit limit. If you default, the credit card issuer simply takes the money in your special savings account.

Unsecured credit cards are just that – unsecured. Meaning the person fills out a credit application and, based on their credit report, income, etc. are approved for a certain credit limit. Of course, they could also be declined depending on the credit card iss…

4 Tips to Finding the Best Credit Cards

By Stephen Sikes

You need more spending power, but you just aren't sure which are the best credit cards for your spending needs. Before you pick up just any credit card application, you need to take a note of the things that are important to you and that you need to have so you know you are applying for the best credit cards.

What are your spending habits?

The first thing you need to know when you are considering getting new credit cards is the type of spending you will be doing on those credit cards. Do you have a series of things you plan on charging every month? Once you have that number, also make sure there is room for some unexpected extras and then you know the ballpark you need a credit limit in so you will be covered.

Do you need flexible credit limits?

If you are looking for the best credit cards for your personal spending, you may not have to worry about this. But, if you run a business, and are looking for line of credit for your company, the best business credit cards for …