Posts Tagged ‘credit-cards’
Top Ten Credit Card
Here are the Top Ten most Credit Cards that we can use anytime we want and you can apply for a Credit Card now at your own choice:
1. Chase Freedom
The Chase Freedom card offers a 5% cash back in quarterly bonus categories like gas, home improvement and department stores, subject to quarterly maximum. You get unlimited 1% Cash Back on all other purchases with no spending tiers and up to an additional 20% cash back when you shop online at select merchants through Chase. Currently, you can get the Chase Freedom card with your choice of a $100 or $50 cash back bonus. The Chase Freedom $50 cash back bonus card also offers a low annual percentage rate and 0% interest for 12 months on balance transfers and 6 months purchases made with your card.
2. Discover More Card
The Discover More Card offers a 5% cash back bonus in categories such as travel, gas, groceries, restaurants, and home improvement stores. You get 0% intro APR on Purchase made with the card for a full 6 months. You also pay 0% apr on balance transfers for 15 months. You get up to 1% unlimited Cashback Bonus on all other purchases. Currently, you can also get the Discover More Card with $100 cash back bonus.
3. Chase Sapphire
The Chase Sapphire card is the best credit card for people who demand excellent service. You get 24 hours a day, 7 days a week dedicated expert service advisors. That means you’ll get no voice recording and no more navigating through the endless maze of automated prompts. You can earn a free flight – 25,000 bonus points after you spend just $3000 in the first 3 months. You also get double the pointes on all airfare booked through Chase’s Ultimate Rewards. You can fly on leading airlines at anytime because there are no travel restrictions or blackout dates and your points NEVER expire. You get all this with the customer service you’ve come to expect from a top notch credit card.
4. Slate from Chase
The Chase Slate credit card is the best general credit card available today. Designed for customers with good credit, this card offers a 0% apr for up to 12 months. It is also unique in that the innovative new card design has the card set vertically. With the Chase Slate card you’ll get Blueprint(sm). Blueprint is a free feature that will help you pay down balances faster and avoid unnecessary interest. If you’re looking for a great credit card without all of the bells and whistles, this is your card.
5. Continental OnePass Plus Card
The Continental OnePass Plus Card is the best airline credit cards in the industry. You earn 25,000 bonus miles after your first purchase. Enough for a round-trip within the United States (excluding Hawaii). You also get an additional 5,000 bonus miles after your first purchase when you add an authorized user within 2 months of opening your account. You get your first checked bag free and your companions on the same reservation get the first checked bag free when flying on Continental operated flights. You earn two miles for every $1 spent when you purchase tickets from Continental Airlines using your card. You also get one mile for each $1 spent in purchases made with your card.
6. IberiaBank Visa
Although not well known, IberiaBank credit cards currently offer some of the lowest credit card interest rates in the industry. You pay 0% apr for 12 months on purchases. But the biggest advantage with IberiaBank is that the card offers a regular interest rate of 7.50%. That’s well below the industry rate and quite a savings.
7. Capital One Platinum Prestige Card
The Capital One Platinum Prestige card is a great card to transfer your higher rate balances. Your balance transfers are processed in as little as 48 hours. You also pay 0% interest on purchases and balance transfers for up to 15 months. You get $0 fraud liability if your card is lost or stolen and 24-hour travel and emergency assistance that gives you a replacement card and cash advance.
8. Chase Ink Cash – Business Card
The Chase Ink Cash business credit card is the best business credit card available. Designed to suit the daily needs of business operation, with the Chase Ink Card you get 3% cash back on fuel, dinning, home improvement, and office supply purchases. You’ll get unlimited 1% cash back on all other purchases. There is no limit on the number of points you can earn and you’ll get up to 10 points for each $1 spent when you shop online through Chase Rewards Plus. You also get additional cards for your employees at no cost.
9. Orchard Bank Visa/Mastercard
The Orchard Bank Visa and MaterCard are the best credit cards for people with bad credit. Unlike other bad credit credit cards, Orchard Bank cards offer lower rates and fees. You get an interest rate as low as 14.9 percent. Not to shabby for a credit card for people with bad credit. This credit card is excellent for rebuilding credit scores and it reports to the 3 major credit bureaus each month. The card is accepted at millions of locations wherever Visa and MasterCard are accepted. You also get email and text messages to remind you of your upcoming payment due date with online enrollment.
10. Discover Motiva Card
The Discover Motiva Card rewards on-time payments. You get a Pay-One-Time Bonus equal to a full month’s interest added to your cashback bonus account. You also get 5 to 20 Percent Cashback bonus at over 150 top retailers through Discover’s online shopping mall. Get up to 1% unlimited Cashback on all other purchases.
Get out of Debt, Have a Credit Counseling Online
In our everyday life, we cannot deny in ourselves that there are times that we are out of budget. I think most of us suffer this kind of situation, even rich people are sometimes out of control of their debts that they only notice if the bills of our credit cards landed in our hands. Yes, it is nice to go shopping, buy anything we want because we can easily swipe our credit cards anytime of the day. The only problem is during the payment of our debts. Some of us pay only for the minimum amount of payable so that the card will not be block, but the interest rate will continue and the remaining balance will go bigger and bigger. How can we get out of debt if we will go the same process? Well, this is one of the best ways to teach our selves the credit card consolidation company that offers a wide array of debt relief options for us to be aware and if possible to be out of credit card debt which many people are using now but in the end they are the only one who suffer for their payable if they don’t have enough budget at all. Good enough for those who are wealthy for they can go whatever they want in life.
As what I observed to every people who are working as a normal individuals that they are only rich if it is payday but for the succeeding days they are budgeting for the best the they can and this cause to have a debt and others do again their usual habit of swiping again their credit cards that cause for a big problem again if nothing to pay. I remember my mother who is a school principal that their salary are quite not big, she told me that they one day rich and thirty days beggar, and it is true that is why we need to have a debt counseling for us to be aware of having a lot of debt that sometimes we cannot control especially if there are sale items that are wavering on the net and in many department stores.
For us to be well educated about how to handle credit or to be out of debt you can simply dig this site and everything well be alright. Thanks for this very good site that many people can enlighten their minds on how to handle debts.
Credit Cards are Very Important in Our Daily Lives
In our generation today, we are now living wherein most people are very dependent in using credit cards. It can’t be denied that using credit cards is an easy way of paying in anything like shopping, airline tickets, online bookings and etc. credit card is very useful to each and every one of us. Most likely if you are traveling, you need not to bring more cash for it is very risky and not advisable to bring for we don’t know that there are bad people around us and it is difficult that’s why most of us are using credit cards as our major way of payment.
Credit cards is just a simple plastic in our wallet so we can easily pay whatever we want for our needs, but sometimes we cannot notice that when we receive the bill it is quite shocking for we have a big amount to be paid on. But we need not to worry for situation like this for there is a credit card debt consolidation that is design to help those who are a little bit problematic in paying for their credit card bills. There are lots of options for every borrowers struggling with unsecured debts and there are credit counselors that will assist us a budget provide and solutions to our credit cards debt.
This is one lesson that I acquire in using credit cards, it is very easy to spend using our credit cards but it is difficult to pay especially if you have a limited budget. So as a sort of advice to credit cards users that buy only the thing that you needed most and charge only what you can afford to pay, but if cannot be avoided you can count on with debt consolidation to help us assist paying our debts.
Filled Your Wallet with Plastic not a Paper
In this new environment today, sometimes it is hard to bring cash, better use cards in your daily shopping. Why? For most of the time it is not advisable to pay in cash for there are some bad people around us and it can’t be avoided sometimes and we don’t know what will happen. Also through cards we can easily manage our budget at the same time you’re safe.
You’d rather say, charge it; than count change or deal with the ATM. Favoring cards over cash isn’t necessarily a bad thing, there are some people who use their cash-back rewards to the fullest and are able to stay on top of their finances with their monthly statements. But for most of us, this pattern indicates that you’re not aware of exactly your money is going which makes it easy to overspend. Mapping out the budget on paper and switching to cash for some (if not all) of your expenditures will help you keep on top of what you’re doling out.
What to do on Financial Scam
credit-cards
Just a few days ago I post about financial scam about what happened with my best friend. Times to time scammers are trying to find ways and means just to earn and we must be aware about this credit card scams. More than being familiar with these unscrupulous or immoral schemes, it’s every card holder’s responsibility as well to take the necessary precautions to make sure these cases don’t happen.
- Sign the signature panel at the back of the card as soon as you received it. This helps authenticate the transaction and prevents lost or stolen cases.
- Do not give out important details like card number, expiry date, the security number at the back of the card and other information to anybody.
- Know your credit card company’s 24/7 hotline, so that in case you need to report a stolen or lost card, or if you suspect fraudulent transactions in your card you can easily contact them.
- Keep your pin confidential. You must memorize your pin number not recorded anywhere specially in your cell phone, because in case your phone lost there is a possibility that they can access your account.
- Never lend your card to anyone or accept advice from strangers while you are using it.
- Always review your billing statement and report immediately any unknown transactions.
- Perform online transactions in private. Ensure that no one is watching you while you key in your pin or any other sensitive information.
Financial Scam
credit-cards
A friend of mine didn’t notice that her credit card had already expired until she tried to use it to pay for a meal at a restaurant. She immediately called up her bank to ask for the renewal card. Usually they send the renewal card way ahead of the expiration date, so it completely slipped in mind to check the validity of my friends’ card.
She learned the bank that her renewal card was sent on time, but to her old billing address. My friend have been using a different billing address for more than five years now, so it was a shock when they said the name of the person who received the card on behalf of my friend. She did not know the person and nor did the occupants of her old billing address. When my friend checked her billing statements, she realized she had already paying for this person purchases for 3 months.
My friend case isn’t the first and only credit card fraud cases ever to be reported. In fact fraudster continues to find new ways of targeting unsuspecting costumers. So, my friends please do make sure that your credit card are checked and properly put in your wallet for security reasons.