Rates Current as of Thursday March 11, 2010
Credit Cards For Bad Credit
Bad credit card offers. Credit cards no credit. Unsecured credit cards for consumers with less than perfect credit.
UltraVX Visa®
- UltraVX makes it easy to manage your finances
- Automatic minimum payments
- Reports to all 3 major credit bureaus
- No credit check, no bank account required
- Instant online approval
- Earn rewards for iTunes, Southwest Airlines, American Airlines, JetBlue, US Air, Marriott Hotels, Hilton Hotels, and many more with no restrictions*.
- * Subject to terms and conditions.
APPLY NOW
Public Savings Bank Secured Card
- 0% APR on purchases for 6 months
- No annual fee or monthly fees
- Your income, employment and credit are not factors!
- We report to all 3 major credit bureaus
- Lifetime credit lines up to $10,000
- 25 day grace period
- Free fraud protection against unauthorized use
- No penalty APR
- Use the card everywhere you see the Visa/Mastercard logo
APPLY NOW
Credit Card Tips
Think carefully about the items you purchase with a credit card. If you are not able to afford the purchase now, chances are you won’t be able to afford it in a month when the credit card payment comes in! Credit card services can be very convenient for a variety of reasons but making purchases
Chase Bank offers a number of rewards credit cards that present select categories of reward options. The Disney Rewards Visa by Chase Bank is one of these credit card offers with a rather distinctive rewards program.
Credit card holders with this card have the ability to earn Disney reward points with purchase made with this credit
The Citibank PremierPass Card Elite is one of the credit cards offered by Citibank that comes with a wide assortment of premium credit card reward options. Since it is marketed as a premium credit card with accelerated rewards options the credit card comes with a somewhat elevated annual fee of $75.00.
Citibank provides an incentive to
There is usually a large finance charge for credit card cash advances and the credit card interest begins accruing as soon as you take the money out, not after the next statement closing. Use the credit card services for cash advances carefully to avoid becoming overwhelmed in credit card debt. Be aware of the credit
One of the best credit card tips is to gather all your credit card statements and see which credit card charges the highest interest rate. When you find the credit card with the highest rate you should make the biggest payment to that credit card while making minimum payments on the other credit cards. This
Credit Card FAQs
Prepaid credit cards act like standard bank credit cards but, in reality, are more like debit cards. With prepaid cards, the cardholder determines the credit line. Generally speaking, a cardholder’s credit line depends on how much money he/she transfers to the card. Therefore, there is little risk of running up credit card debt, while budgeting
The first thing to do is to get your budget inline. Please see our links on helping to control debt. Next, make sure you contact your credit card company. Explain the situation. You may be able to work out lower monthly payment terms or temporary reduction in the credit card interest rate. At a minimum
If you are fortunate to have excellent credit, you will be considered to be a creditworthy customer by most credit card companies. This will general entitle you the best credit card deals available. Remember, other factors can play a role in the credit card terms other than credit history. Please view our list of credit
These are called affinity cards and they are used for schools and organizations and sports teams and charities and other good causes like wildlife preservation. They make you feel good but they do have some drawbacks. One drawback is that the beneficiary gets only about half of one percent of what you spend, so if
Credit card cash back rewards credit you with a percentage of your monthly purchases. Some of the best credit card cash back rewards cards presented at this site will surely help you to earn cash back while you spend. The cardholders receive monetary rewards for making purchases, usually between 0.5% and 2% of the net
Credit Card Glossary
Some credit card companies charge a credit card fee for yearly membership or participation. Credit card companies proclaim that these fees help pay for the credit card companies costs of managing the accounts or for some of the credit card services offered on the accounts. These fees generally range anywhere from $25 to $75, but can
The interest charges are the cost for borrowed money that is generally expresses as a percentage of the amount borrowed. Interest charges are based on a percentage of your remaining credit card balance. The credit card interest rate is the price a borrower pays for the use of money on a credit card account; this
The daily periodic rate is the credit card rate used by credit card companies to calculate interest and finance charges on an unpaid credit card balance. The daily periodic rate is calculated by dividing the credit card APR or Annual Percentage Rate by 365 and rounding the final credit card interest rate to calculate the
The responsibility of two or more people to repay a debt. Joint liability gives legal responsibility to repay the credit card debt and make timely credit card payments to both parties on the credit card application or credit card agreement regardless of which party authorized the charges or incurred the credit card debt. Joint liability
An address verification system is a process of authenticating a new credit card through mail or via phone by using the billing address of the credit card holder in the authorization procedure. This process is used predominantly to reduce credit card fraud. An address verification system may also be used in mail order, telephone credit card order
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Credit Card Articles
It’s two days before pay day and you are broke. Your brother is out of town so you can’t ask him for $50, and you are worried that the very attractive co-worker you’ve been flirting with will ask you to lunch and you’ll have to come up with a lame excuse. So, the dreaded credit
The first rule of getting a credit card once you’ve had bad credit is that you have to realize that the name of the game has completely changed. This is a warning to make the applicant with damaged credit realize the credit card terms will be harsher. A credit card used to be there for
Credit card debt has been growing and growing for as long as the statistics have been recorded. When we stand in line at the gas station and local mall we are accustomed to seeing the majority of customers pay with plastic. In recent years we have seen a significant increase in charge card use at
Chase Bank offers a number of rewards credit cards that present select categories of reward options. The Disney Rewards Visa by Chase Bank is one of these credit card offers with a rather distinctive rewards program.
Credit card holders with this card have the ability to earn Disney reward points with purchase made with this credit
The Bank of America® Accelerated Cash Rewards™ American Express® Card is one of the many credit cards promoted by Bank America that has a very competitive cash rewards attribute.
With this cash back credit card, the account holder will earn cash back on all purchases with no limit to the dollar amount that may be accumulated.
Expert creditors use a not-so-secret technique to get their credit card interest rate reduced among their credit cards. It involves making a balance transfer on a credit card that has an introductory APR. These credit card APRs can be extremely low or even zero. In the case of the latter, a person may feel that
Prepaid debit cards, which allow a customer to spend, based on amounts deposited onto the card, are a relatively new invention in the world of credit cards. They were established by credit card companies as these companies wanted to find a way to provide alternative financing for at-risk credit card consumers. The at-risk borrower was
Credit card debt is perhaps the largest reason why so many Americans go into debt every day. The major drawback to using credit cards is that too many people overextend themselves and find they are in a vortex of high interest credit card debt. It can be far too easier to apply and be approved
Zero interest cards are creative promotional products from the credit card companies that promise no interest for a temporary length of time. These credit card offers are marketing strategies designed to lure customers to a different credit card by offering to have your present outstanding balance transferred to their card at zero percent interest rate.
Zero
The Chase +1 Student MasterCard is one of the more unique student credit cards marketed by Chase credit cards. This credit card offers a distinctive rewards program and has some of the best credit card rates in the student credit card category.
The credit card reward points earned on this credit card are called Karma Points.