Best Cash Back Credit Card OfferPosted on July 6th, 2012 | admin
Best Cash Back Credit Card Offer
Because there is no better reward than cash in your wallet, most people find the best credit card offers are those that offer cash back incentives. The reason cash back credit cards are one of the most popular rewards choice by consumers is you get to use the cash rewards for whatever you want, you can use your cash rewards to pay down your credit card balance, buy groceries or use the cash rewards for entertainment and travel, the choice is yours!
The best reward a credit card can offer for most people is receiving cash, after all you can use cash rewards for anything you want to buy so our top pick in the category of a cash back credit card is the Discover IT® card Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com, check this offer out if you’ve got excellent credit.
Best Cash Back Credit Card
Discover It® Card
Here’s what the Discover It® Card is offering as reward perks to put more cash in your wallet:
- Fair. No annual fee. No overlimit fee. No foreign transaction fee. Pay up to midnight ET online or by phone on your due date without a fee. Plus, paying late won’t raise your APR.*
- Generous. 5% cash back on up to $1,500 in Restaurant and Movie purchases from January through March 2014 with free and easy sign-up. And 1% cash back on all other purchases.*
- Human. 100% U.S.-based customer service available any time.
- Safe. Because you’re never responsible for unauthorized charges with our $0 Fraud Liability Guarantee.
- Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.*
- 0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% – 22.99%. A fee of 3% applies for each balance transferred.
- *Click “Apply” to see rates, rewards, and free FICO® Credit Score terms and other information.
*Click Apply to view rates, fees, rewards, limitations and other important information
Best Credit Card for People with Bad CreditPosted on October 3rd, 2011 | admin
Bad Credit? This Card’s For You!
You may have heard it said that there’s a possibility of cash becoming extinct, and all purchases moving to plastic. If this frightens you, you may be one of the many Americans with a lower credit score and no credit card. What would you do if the Plastic Revolution happened tomorrow?
There is a solution for you. People with lower credit scores or simply bad credit still have options when considering their payment systems. Did you know that there are credit cards specifically designed with your needs in mind?
We want to avoid the companies that take advantage of people with bad credit, and look for companies that are offering a good product at competitive rates. Granted, you won’t qualify for a special 0% APR offer and you’ll have to live with a lower credit limit, but you can qualify with some companies for a normal credit card.
One of the best companies specializing in this field was Orchard Bank. Orchard Bank was owned by HSBC, one of the world’s largest banking companies. Orchard Bank cards came in several different varieties, and they had the policy of taking your information and helping you choose the right card before processing your application. This really cuts down on application rejections, and helps consumers feel better about choosing this bank to work with.
Orchard Bank offered their Classic MasterCard or Classic Visa in three levels: Platinum, Gold, and Standard. The card that you qualify for will be based on your credit rating and payment history. These cards do carry an annual fee, with the lowest at $39 and the highest at $79. The annual percentage rate (APR) for buying with the card ranges from 14.9% up to 19.9%. If you feel that this is high, consider that some other cards for people with credit problems charge 29.99%, the maximum that they can legally charge. Orchard Bank cards were actually very good when credit scores are low. The only problem is that the Orchard Bank credit cards have now been discontinued.
If your credit is really damaged, you still have options. There is a new credit card offering very similar to the old Orchard Bank offering. These offers of from Credit One Bank. This card also has no introductory APR rate with a regular APR of 23.9%. There is no fee payable. The card does not offer an introductory period for balance transfers and is therefore more suitable for people wishing to build up a credit rating rather than someone wishing to sort out their credit card debts.
There’s no reason to delay applying for your Credit One Bank card right now. Selecting the right card is easy, thanks to the tools used by Credit One Bank. The convenience of using a credit card is within your reach. Apply now! The Credit One Bank Card also makes a great first credit card.
Prepaid Credit Cards that Report to Credit BureauPosted on February 15th, 2011 | admin
What Are the Best Prepaid Credit Cards that Report to Credit Bureau Companies?
New Prepaid Offers Coming Soon….
If you’ve got bad credit and want to rebuild your credit rating there’s good news, you can get prepaid credit card that report to the credit bureaus. Typically you’ll have to pay a monthly fee in order to get the benefit of credit bureau reporting with your prepaid MasterCard or Visa card however it’s an easy way to establish or restore your credit score.
Unlike regular unsecured credit cards, the nice thing about prepaid credit cards is you can get your card faster because there are no credit checks. Let’s have a look at the best prepaid credit card offers that report to the credit bureau.
The first offer we recommend you apply for one of the RushCard offers because they give you a FREE credit builder plus there are no activation fees plus you get all kinds of bonuses when you get a RushCard prepaid credit card that includes cool freebies such as a prescription discount card.
Another really cool thing about the RushCard prepaid credit cards that report to credit bureau companies is you get your choice of really cool designs.
There’s the stylish Baby Phat design for women and for you guys there’s the manly option of getting the Prepaid Visa® Black Diamond RushCard
The offer is the same with the Prepaid Visa® Black Diamond RushCard, it’s another one of the best prepaid credit cards that report to credit bureau companies however it’s not pink like the Baby Phat Prepaid Visa® RushCard, it’s got a manly man design going on, so guys this is the card for you!
Other Credit Card Options that Report to the Credit Bureaus
While prepaid credit cards that report to credit bureau companies can help you rebuild or get you set up to establish a credit score or rebuild bad credit, there’s another option that will help you build or restore your credit faster and that’s possible if you apply online now for a secured credit card offer.
However the downside to getting a secured credit card is you are going to have to layout more cash for the security deposit that a secured credit card offer requires and unlike a prepaid debit Visa or MasterCard you will not have access to the security deposit you place on a secured credit card.
Here’s the facts you need to know about getting a secured credit card versus a prepaid credit card, while both offer credit reporting to help you build or restore your credit rating you are going to need to decide how fast do you want to get your credit on track
Secured Credit Card Versus Prepaid Credit Cards
About Secured Credit Cards
Applying for a secured credit card is the fastest and really the best way to start building or rebuilding your credit score but the fact is when you apply for a secured card offer you’ll need to make a security deposit on your credit card that you have no access to.
The security deposit you put down on a secured credit card offer is just that, it’s security for the credit card company that if you default on your payments they’ve got recourse and will take the security deposit to pay off the amount owing on the card.
So don’t fool yourself into believing that the deposit you place on a secured credit card can be used to pay your minimum balance owing, it won’t be.
About Prepaid Credit Cards
When you apply for prepaid credit cards that report to credit bureau companies you’ll be getting a tool to build your credit score and it’s likely going to be a slower credit build or rebuild process than if you signed up for a secured credit card offer however the upside to getting a prepaid credit card offer that reports to credit bureaus is there is NO security deposit on the card.
That means that whatever cash you deposit on your prepaid credit card you have instant access to when you need it versus a secured credit card where you likely won’t see the security deposit cash back in your hands for anywhere from a year to 3 years or more in some cases.
So if you want to build your credit faster I recommend applying for a secured credit card offer however if your cash in pocket and you bank account sucks right now then you can start rebuilding with a prepaid credit card offer that reports to the credit bureaus but if you can stand to have your money sit as a security deposit for a year or more then jump in and you’ll be building credit faster.
What secured credit card offer do I recommend?
You are going to need to submit your question on this blog to find about because it seems to me that you should go apply for one of the prepaid credit cards that report to credit bureau companies before you take the next step and get a prepaid credit card with a credit rebuilding option attached to the card offer…
Let’s talk, submit your questions, concerns or your own reviews of your experiences with prepaid credit card companies that have served you well or screwed you over, your opinion matters
Settling DebtPosted on February 14th, 2011 | admin
The first question most people have about settling debt is usually “Will settling credit card debt hurt my credit rating?”
The answer is:
Yes, settling a credit card debt will hurt your credit rating because this will appear on your credit report however settling debt on credit cards and personal loans is a better choice than having to file bankruptcy.
A debt settlement hurts your credit rating less than filing bankruptcy because when you file bankruptcy you basically walk away from all debts owing to your creditors and settling debt means that you are paying back a portion of the debt owing for a few cents on the dollar versus not paying anything at all.
So when you are looking at offers from debt settlement companies to help you get your finances back in control what will happen once you’ve enrolled in a program for settling your debts the debt settlement company will handle all the legal negotiations involved in settling your debt.
Settling debt will certainly hurt your credit score however you’ll be able to build your credit back faster than if you filed bankruptcy so it’s better to get a debt settlement company for your long term financial goals than it is to file bankruptcy.
If you are feeling the pressure of debt collectors calling and the stress has become too much and you want to avoid bankruptcy then it’s time to get a debt settlement company on your side to help in settling debt.
What Should I do to Decide between Settling Debt Versus Filing Bankruptcy
The first step you must take when dealing with harassing credit collections calls is to make sure the credit bureaus have accurate information about you on file.
Get your credit score from Experian now and get a 3-in-1 credit bureau report containing the facts about your credit score from all 3 major credit bureaus to ensure ALL financial information is correct before you take ANY action that could hurt your credit score.
Stay tuned to find out what your next steps should be before settling debt so make sure you order your credit report from Experian before you make any rash moves pertaining to your personal finance.
If you have any questions about settling your debt, filing bankruptcy or anything that’s on your mind about anything that could hurt your credit score go ahead and post your questions on this blog post.
Credit Cards for Bad CreditPosted on February 13th, 2011 | admin
Credit Cards for Bad Credit – The Facts You Need to Know
There are tons of credit cards for bad credit on the market however before you apply for just any offer you need to know that each time you submit a credit card application it shows up on your credit report and with each application you make that lowers your credit score
So if you keep applying and getting rejected from credit card offers that are targeting people that have fair to good credit and your credit is bad then your application is going to get rejected.
So let’s take a look at the best credit cards for bad credit and you decide for yourself which card best fits into your goals and needs.
Secured Credit Card
A secured credit card is one of the best credit cards for bad credit to apply for if you want to build or rebuild your credit. A secured credit card works just like a regular credit card however the bank requires you to deposit an amount equal to your credit limit so they are protected in the event you don’t pay your bills.
It’s important to mention that the security deposit you place on your secured credit card is NOT used to pay your minimum monthly payment so you are still required to make payments on the purchases you’ve made using your secured card.
What is the Best Secured Credit Card for People with Bad Credit
What’s the Open Sky Secured credit card that outshines all the other secured credit cards for bad credit? Here’s what this secured credit card for people with bad credit gives you:
Visa or MasterCard Prepaid Debit Card
A prepaid debit card is perfect for people that don’t care about building credit however want all the conveniences of having a credit card such making website purchases and reservations online.
However, if you don’t want to make a large deposit on a secured credit card and you do want to rebuild your credit there are a handful of prepaid credit cards for bad credit situations that give you the option to sign up for a credit rebuilding, there’s typically a monthly fee to get the “rebuild your credit” option a prepaid debit card however if restoring your credit is important without locking up your cash on a secured credit card then this type of credit card is perfect for you
Recommended Prepaid Visa – AccountNow Gold Visa® Prepaid Card
Recommended Prepaid MasterCard – AccountNow™ Prepaid MasterCard®
Anyway, if you’ve got bad credit and are looking for the best credit cards for bad credit with the idea of rebuilding your credit rating then the Open Sky secured credit card is your best bet.
A secured credit card is really the best way to rebuild even though you’re going to have to place a deposit on your card, it’s really the only way to start building your credit score.
If you are serious about rebuilding your credit and are trying to chose from all the credit cards for bad credit offers on the market then you need to get the Open Sky Secured Credit Card.
Credit RepairPosted on January 26th, 2011 | admin
There are many Americans that are in need of credit repair today. There are various reasons why people may need credit repair. One of the biggest reasons why people run into credit problems is some financial institutions are basically trying to put you in a situation where you can only make your minimum monthly payments. If you are in a situation where you are just barely able to make your minimum payments then the financial institutions have you right where they want you and they collect more interest payments from you because you are unable to pay off any of the principle. If you find yourself in this situation it becomes difficult if not impossible to pay all your bills and as your payments are missed or late your credit is damaged.
It is truly a downward financial spiral. There are several credit repair services available to you to get your credit back on track. Quite often the best solution to debt problems is to seek a debt consolidation loan to help minimize your payment.
If you are not currently in debt but would like to find a line of credit and have damaged credit, you could use a secured credit card for credit repair. Check to make sure that the secured card reports to credit bureaus to ensure that you are going to repair your credit. It you are not sure if a credit card is designed for credit repair, read the fine print before completing the application and if you are still unsure, send an email to the issuer to find out for sure. When it comes to credit repair don’t rush things.
Regardless of what your exact credit situation, you are wise to seek help and before signing off, I always recommend obtaining your credit report as you may find there are errors reported on your credit file. If there are errors, you will need to seek the help of professional credit repair senior to ensure things are done right.
To get your credit back on track starting today apply for the best secured credit card on the market today.
Public Savings Open Sky Secured Visa Credit Card
Best Credit Card for People with Bad Credit in 2011Posted on January 26th, 2011 | admin
What is the best credit card for people with bad credit in 2011? Read on to find out
Do you have bad credit, a credit card is out of the question is what you are thinking?
Don’t lose hope, financial institutions are very competitive and you will find a credit card company that wants your business. However you can’t rush off and apply for any credit card though because banks that offer rewards cards and low interest rate offers need to gain your trust so you’re going to need to make sure you apply for the right type of credit card.
Like I’ve already mentioned that if you have bad credit, a credit card is still a possibility for you so what you MUST do is apply for a credit card that targets credit repair. You may be hopeful thinking you can qualify for an unsecured credit card today without having to put any money upfront.
The fact is you’ve got bad credit so you’re going to need to prove to the credit card issues that offer better deals on rewards programs and interest rates so the best option for you to start building your credit back is to get a secured credit card that reports to the 3 major credit bureaus.
I know having bad credit can be very frustrating however this is a temporary situation and when you apply for the featured offer below you’ll be making the best choice to start moving forward with your finances and getting your credit repaired.
Following a simple formula such as – apply for a secured credit card and use it responsibly. When you use your credit card responsibly you will immediately begin rebuilding your credit rating, and after a short time you will have established a good credit rating and you will be able to qualify for a low rate credit card.
Bad credit doesn’t mean that you are financially ruined for life, so take action today and apply right now for a secured credit card!
The Best Secured Credit Card Offer for 2011
Public Savings Open Sky Secured Visa Credit Card
Make sure you don’t delay and take action right now and click the Apply Now link above to get your credit rating back on track!
Bad Credit Credit CardsPosted on January 25th, 2011 | admin
Bad credit credit cards have been designed for individuals with less than perfect credit. There are bad credit credit cards available for you typically with a secured credit card, which requires you to make a security deposit. However, there are some unsecured credit cards available to you as well. Typically, the credit limit is around $500 to $1000 and the interest rates are higher than regular credit cards.
Bad credit credit cards are available for you on the Internet. If you have had some credit problems in the past and are now ready to rebuild your credit rating: the best way is with a secured credit card. It is critical for you to use your credit card responsibly though; otherwise you may run into credit problems again. A good way to think before using your credit card is to ask yourself “Do I have cash in the bank to cover the cost of this item?” If you don’t, then think twice before making your purchase.
Bad credit credit cards are a great way to start rebuilding & restoring your credit. But, as I have already mentioned you must use your credit card responsibly – Always remember that there is a bill that is going to arrive at the end of the month and if you don’t pay it, your credit problems will be starting all over again.
Best Credit Card Offers for People with Bad Credit
When you have bad credit the likelihood of getting approved for a low rate or rewards card offer is slim to none so given the fact you’ve got crappy credit you are going to need to do some credit rebuilding and get a credit card that you’ll get approved for that reports to the 3 major credit bureaus.
We recommend that you get the Public Savings Open Sky Secured Visa Credit Card. You’ll have to place a security deposit with this offer however it’s worth because you’ll be able to start rebuilding your credit right away.
Public Savings Open Sky Secured Visa Credit Card
If you’ve got bad credit and need some tips to restore your finances please go ahead and leave a comment below and don’t worry your information is private and confidential, we are here to help you get your finances back on track!
Platinum ZeroPosted on August 13th, 2010 | admin
Platinum Zero Secured Visa Credit Card from Applied Bank Review
The best thing about the Platinum Zero Secured Visa Credit Card from Applied Bank is avoiding all the totally insane fees other secured credit card issuers try to bully you into paying because the card issuers seem to feel that people applying for credit cards for bad credit should have to pay horrendous fees for the privilege of having a credit card however that’s not the case with Applied Bank.
When you apply today for the Platinum Zero secured Visa credit card you’ll not only start building your credit rating faster, you’ll be saving a bundle of cash because there is
As you can see the Platinum Zero Secured Visa Credit Card from Applied Bank goes above and beyond what a lot of other secured credit card offers give.
You will save tons of money on fees that other banks try to charge plus you get the peace of mind of identity theft protection built in with your credit card so you know your identity is safe at the same time you are saving money on fees and building your credit score!
Secured Visa Credit CardPosted on August 13th, 2010 | admin
Secured Visa Credit Card Offer Facts & Reviews
Before we discuss what Secured Visa credit card you should apply for, you need to know the difference between secured credit cards, prepaid & debit cards is because a lot of people have confusion about what the security deposit placed on a secured credit card application if for.
How Do Prepaid & Debit Cards Work?
When you apply for prepaid & debit cards that feature the Visa logo you’ll be getting a credit card that requires you make an upfront deposit and then you can use your prepaid credit card just like any other Visa card and your spending limit is determined by how much you put down on the card.
You can then use a prepaid Visa card until you’ve depleted the funds available on the card at which time you’ll have to top up the funds on the card in order to keep using it.
How Does a Secured Visa Credit Card Work?
A secured visa credit card is differs from prepaid & debit cards because you need to place a security deposit on your Visa which determines your credit limit.
The security deposit you place on your secured Visa card is NOT used to pay down the Visa, the security deposit is used by the bank in the event you do not pay your credit card bill.
It’s important you know your security deposit is not used to pay your credit card bill and that your secured visa credit card works like a normal credit card offer. Yes, you will be sent bills and charged interest if you don’t pay your bill in full each month just like a regular credit card.
Secured credit cards are a way for you to build a good credit rating and at the same time gives the issuing bank the assurance that if you don’t pay your credit card bill they’ve got recourse to recover their money.
What Secured Visa Credit Card Should I Apply For?
Here are the top 3 secured credit cards you should apply for
Top Pick – Platinum Zero™ Secured Visa Credit Card from Applied Bank
Public Savings Bank Classic Secured VISA Card
Applied Bank Secured Visa Credit Card