Special credit card offers blog

Use Your Credit Card Power In Full

October 13, 2008 – 5:30 pm
  Since most Americans have credit cards, it is important to know how to use them in a smart way. Very often we hear talking, how bad credit companies are. But in fact, they are not bad. They are even good in giving us the opportunity of having a credit.    First rule to follow: protect your credit score. When you use your credit card to make purchases, you have a certain amount of time (usually one month) to pay that card off or you will be charged interest. If you are late making the payment you're then charged late fees. Also, any late payment lowers your credit score.   Another term that you need to be familiar with when dealing with credit cards is grace period. A grace period is the time that the credit card company gives you to pay the bill before you are charged interest rates and finance charges. There are ...

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Is it good idea to have many credit cards?

September 4, 2008 – 6:03 pm
  People applying for credit cards pretty often: at the gas station, at retail stores. But how they can know, how many credit cards is enough for a person? There is no clear answer on this question. When you calculate your budget, you see that a part of your income goes for paying off your credit card statements? If it is more than 50 percent, chances are you have got too many credit cards.   There are other disadvantages of having too many credit cards. For one each credit card that you apply, it takes 20 points off of your credit score, that recovers only several months later. Your credit score is important because it affects the things that you will be able to do in life, like the house you will be able to live in or the car you will have to drive. If you are a young person just starting ...

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What are the advantages of gift credit cards?

August 27, 2008 – 7:47 pm
If you are like me when it comes to shopping for my loved ones for holidays or birthdays, I take the easy way out and get them a gift card. My way of thinking is like that of many it is that why should I buy them something they may not like then they have to go exchange it for something they want. If I get them a gift card they can get what they want to start with. A gift card is the number one gift to receive for women and the number three gift to receive for men.   Are we really giving our loved ones a well thought out gift or giving them a gift that can be a real nightmare. Many gift cards have expiration dates or other hidden fees that could make its use very complicated. There are tho main kinds of gift cards on the market: ...

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Gas Credit Cards: What Are They For?

August 21, 2008 – 6:43 pm
If you drive a car you have noticed the price of gas. And chances are they have not reached the peak yet. Every night we hear how the price of oil has risen so the price of gas will continue to rise. What are we suppose to do to get back and forth to work or other places we need to go? If you don’t already have one, chances are you are considering a gas credit card. How will that help you may be saying? With a gas credit card you can pull into the gas station and not have to empty your wallet into the gas tank. With a gas credit card you can buy gas and put it on the credit card and pay for it later. Also, gas credit cards have descent cash back rewards or points for pumping gas. Consider, that you could save up to 5% ...

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How To Choose A Pre-Paid Credit Card

August 18, 2008 – 4:31 pm
In my opinion the pre-paid credit card is the best kind of credit card to have. Like many Americans today I can’t get approved for a credit card and since credit cards are needed for most anything like shopping online or renting a car this is the perfect solution, or is it?   A credit card is a lot like a checkbook. You can write checks as long as you have money in the bank. Then banks came out with a debit card giving them greater freedom while still using their checking or savings account. Now you can shop online or do whatever you need to using what looks like a credit card.   Then came the pre-paid credit card. This is much the same as a debit card but you don’t have to have the checking account. All you have to do is apply for the pre-paid credit card with almost a 100 ...

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How to Choose A Good Cash Back Credit Card

August 16, 2008 – 11:16 am
Cash back is a credit card companies’ way of getting you to use their credit card. They know that when people hear that they can get money back just because they spend money, they are interested. After all the money they get back can be used for important things like buying groceries or clothes for our kids. Usually companies pay cash back bonuses not on all purchases, but only on selected categories. So, while choosing a credit card with cash back, look for one, that gives you the most bonuses on purchases that you spending money on.   Cash back credit card as any source of instant credit, is a good thing to have when you are in emergencies and there is no other way to get the things that you need. However they are only good if you are able to pay off the entire credit card balance the first month ...

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How to Choose a Credit Card For Frequent Flyers

July 27, 2008 – 5:26 pm
Offering frequent flyer miles is a credit card companies’ way of getting their card holders to be long term. After all, it tales a long time to accumulate enough miles to take a trip. When you do get enough miles you want to make sure that you get the trip you want. The class you want, the destination you want, the seat you like, and all the other perks you are use to when it comes to flying. The best way to do this is make sure that the card don’t have any restrictions and book your vacation flight early to ensure what you want.   Before you go out and apply for every credit cards that offer frequent flyer miles there are a few things that you should look for. Many cards offer bonus miles just for you signing up to carry their card many times it is about 15,000 bonus ...

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How To Choose A Student Credit Card

July 23, 2008 – 8:27 pm
A student credit card is the first credit card that most people get. These are the cards that companies offer to students in high school and college. The line of credit is usually low because the company knows that students do not make a lot of money and will not be able to make a big monthly credit card payment. A student credit card is much easier to handle than a check book and offer more convince in paying for books, tuition, and buying anything that they may need for school.   For parents that are interested in controlling their child’s spending they can get the credit card in their name this way they get the bills and can see if the child is going overboard with the credit card. The parent can then help keep the child from making bad decisions and getting into debt before they even are out of ...

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Types Of Credit Card Rewards

July 18, 2008 – 5:22 pm
Rewards are the credit card companies’ way of getting you to use their cards. They offer things like cash back, points, and frequent flyer miles just to name a few. Each credit card company offers different rewards the best thing to do is to compare credit cards to see which one has the rewards that you are interested in.   The cash back reward is the credit cards way of saying thank you. They give you back so much money on every purchase you make. Some of them start from sending you upfront check as soon as you start using your card. Then they continue paying you a percentage of your purchase - “back in cash”, from 1 to 3 percent.   Point rewards is another way credit card companies reward you for using their card. Each company offers points at a different rate. Some reward extra points on your first purchase and points ...

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What Credit Card Options Should You Choose?

July 10, 2008 – 3:39 am
Now that you have to have a credit card to do most things that you want to do, banks are finding ways to cash in on this. They are offering incentives to get you to get their card and use them more. What options should you choose in order to meet your needs?   One of the incentives is weather to choose a fixed rate or a variable rate. A fixed rate is more than likely the best option. A fixed rated will not change no matter what the economy does. A fixed rate card will help you know from month to month what your APR will be without any surprises. Unfortunately, not many bank offer fixed rate on cards now. But still there are some.   A variable rate can change from month to month. If the economy changes, the rate of your credit card changes. If the bank has to borrow money ...

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