Credit Card Tips

Best Prepaid Credit Cards

admin — Thu, 20 Aug 2009 09:46:55 +0000

Prepaid credit cards are more like debit cards. To have a prepaid credit card, you have to open a prepaid account with the bank concerned. After opening the account, you will be granted a prepaid credit card. But your credit card credit limit will be similar to the amount, saved in your bank account. You can spend the entire amount but for further spending, you first need to reload your card with deposits. The best feature of this credit card is that the cardholder can never go bankrupt with this card.

Different prepaid credit cards and their features:

All-Access Visa Prepaid Card

100% approval – No credit check required

Make purchases anywhere Visa Debit is accepted

No overdraft fees or minimum balances

Online Bill Pay – Easily send a check to anyone

5% APY Savings Account – Exclusive

Free Direct Deposit from your paycheck or government check

Add up to $10K to your account in over 65,000 locations

AccountNow® Prepaid Visa® Card

100% Guaranteed Approval*

Free Credit Builder

Free Bill Pay

Free Direct Deposit

$0 Activation Fee – when you load your card by direct deposit

New iAdvanceSM loan option

No credit check

No Overdraft Fees or Minimum Balance Required

Re-loadable with a $10,000 balance limit

Vision Premier Prepaid Visa Card

$0 Activation with Direct Deposit*

$0 Weekly Fee with Direct Deposit*

Guaranteed approval*/ no credit check

Free Direct Deposit; no more check cashing fees

Free email/SMS Alerts to instantly know your balance

Free unlimited purchase transactions

Free online bill payment and checking

Popular Load Locations: Western Union, MoneyGram, ACE & More

SilverCard Prepaid MasterCard®

Perfect card for Government/Benefits Checks recipients

$0 activation with rebate*

100% guaranteed approval*/no credit check

Free direct deposit of your pay or government check

Free unlimited purchase transactions anywhere where MasterCard Debit card is accepted

No overdraft fees or minimum balances

Online Checking – Electronic or paper checks

It’s really fair for fair credits

admin — Thu, 20 Aug 2009 09:40:37 +0000

Owing a balance on credit card or several credit cards helps a lot to get lower interest rates for a while that help for paying down the debt and thanks to cards that offer balance transfer for fair credit. Fair credit cards help you to build up credit scores. The credits score for a fair credit cardholder generally falls somewhere between 581 and 660. A fair credit card offers low to 0% preliminary rates on both purchases and balance transfers enjoyment of paying down debt without the interest. Not only that a number of fair credit card issuers do not charge the annual fee either.

Holding a fair credit doesn’t mean getting a credit card that gives any less. Credit cards with fair credit provides great rewards like cash back, special exclusive saving and discounts, points towards merchandise, travel, gas and more. Fair credit cards also provide great security and protection with $0 fraud liability, identity protection early warning programs, even travel insurance and extended warranties. Getting an approval for a good or excellent credit card is difficult for an individual having a fair credit card. But at the same time they do not have to pay the high fees associated with most “bad credit” credit cards.

An individual with a fair credit card is facilitated with offers like offer low or no annual fees, low balance transfer fees, cash back, airline miles, and more. Fair credit cards are the way of a bright financial future. This is the path of excellent credit. It is also very easy to find a great deal of the Fair Credit cards featured with a 0% introductory APR or an instant approval decision. A fair credit allows earning a good reward with every purchase. But as all credit cards require a little bit of study fair credit cards are also not an exception before accepting one.

Best MasterCard Credit Card options

admin — Thu, 20 Aug 2009 09:34:47 +0000

MasterCard credit cards are powered at more than 25 million locations across the world. MasterCard is the first service providing company, which realized the need to customize their card offers to meet the ends of its wide variety of clients, ranging from the Standard MasterCards for people who want to establish credit, to the World Elite MasterCards for people looking for luxury.

Some MasterCard credit cards and their features and benefits:

AccountNow Prepaid MasterCard®

100% Guaranteed Approval*

Free Credit Builder

Free Bill Pay

Free Direct Deposit

$0 Activation Fee, when you load your card by direct deposit

New iAdvanceSM loan option- no credit check

No Overdraft Fees or Minimum Balance Required

Re-loadable with a $10,000 balance limit

Annual fee $9.95*

All-Access Prepaid MasterCard

100% approval – No credit check required

Make purchases anywhere MasterCard Debit is accepted

No overdraft fees or minimum balances

Online Bill Pay – Easily send a check to anyone

5% APY Savings Account – Exclusive

Free Direct Deposit from your paycheck or government check

Add up to $10K to your account in over 65,000 locations

SilverCard Prepaid MasterCard®

Perfect card for Government or Benefits Checks recipients

$0 activation with rebate*

100% guaranteed approval*/no credit check

Free direct deposit of your pay or government check

Free unlimited purchase transactions anywhere where MasterCard Debit card is accepted

No overdraft fees or minimum balances

Online Checking available

Electronic or paper checks

Chase FreedomSM Credit Card

No annual fee

$50 Cash Back after your first purchase

Always earn a full 1% Cash Back on every purchase from anywhere, from the First Dollar of your spending.

There is no offer of spending tiers or earning caps.

Up to an additional 10% Cash Back and even as much as 20% at select merchants when you shop online through Chase card.

Plus 3% cash back in rotating categories like gas, home improvement and department stores.

0% Intro APR

American DreamCardTM MasterCard®

The first and only “Pooled RewardsTM” Credit Card

Large monthly cash jackpots

Earn entries from everyday shopping for the monthly drawing

Every $1 in net retail purchases = 1 entry to win (up to 1,000 entries per purchase)

Get 1,000 entries just for applying

Next Millennium MasterCard®

No credit check*

Approved regardless of credit history

Secured credit limit of up to $5,000.00

Get cash at over 740,000 ATMs

Accepted wherever MasterCard® is accepted

If you a better spender than a saver, try Finance Rewards Credit Cards

admin — Thu, 20 Aug 2009 09:27:49 +0000

Are you more a spender than a saver, the finance rewards credit cards will help you to save when you will spend. With finance rewards credit cards, the cardholder will always have some extra cash in his hand.

Financial Rewards Visa Platinum Plus card: This credit card is issued by the Bank Of America. This credit card will help the cardholder to earn points, which he can redeem to cash back. As soon as the cardholder spends $100 in net purchases he earns one point. Every point can be redeemed for dollar. The dollars, which the cardholder accumulates, gets back to the cardholder via a check or a direct deposit to his Bank of America savings or checking account.

On the first net retail purchase, the cardholder earns five bonus points and then another five bonus points have been awarded for every $2,500 balance transfers, made in each billing cycle. According to the latest policy, up to 25 balance transfers can be made in one billing cycle. In a nutshell, the cardholder can earn 600 points or $600 in a year. Apart from that, these cards come with no annual fee.

The Fidelity Investments 529 College Rewards Card: With this card, the cardholder can enjoy great rebate offers. One and a half percent of all purchases, made by the cardholder with this credit card is generally deposited into a 529 Plan. There is zero annual fee. The Fidelity Investments 529 College Rewards Card offers 16.9% ARP on both purchases and balance transfer. The cardholder can earn up to 1.5% cash back on all purchases, to be deposited in a Fidelity-managed 529 Plan.

Fidelity Investment Rewards Card: With 13.9% APR on both purchases and balance transfer, Fidelity Investment Rewards Card offers no annual fee. Besides, it come with an introductory 0% APR on both balance transfers and cash advances in the first twelve billing periods, of the cardholder. With this card, he can redeem his points to dollars, which are deposited in a Fidelity account. For example, an IRA or taxable account converts 5,000 points into a $75 deposit.