Rates Current as of Sunday March 21, 2010

Prepaid Credit Cards

Instant approval credit cards with prepaid credit cards. Instant credit cards.

NetSpend® Visa® Prepaid Debit Card

100% approval - No credit check required
Short-term iAdvance Line of Credit - Now available!
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
As seen on TV and in stores nationwide

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Baby Phat Prepaid Visa® RushCard

Show your style with the BabyPhat RushCard
Guaranteed approval*
No Credit Check
Free Direct Deposit of pay, tax refund, anticipation loans
No Overdraft Fees/ No Check Fees/ No Interest Fees
Free Credit Builder
56% of cardholders save over $300/ year using the RushCard
Make money with our Refer A Friend Program
Reloadable with a $10,000 maximum balance
Free Email/ SMS Alerts
Card to Card transfers between RushCard Members
Free Prescription Discount Card from RushCard – Save up to 85% on prescriptions

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NetSpend® MasterCard® Prepaid Debit Card

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
As seen on TV and in stores nationwide!

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READYdebit® Card

100% Approval Guaranteed!* – No Chexsystems or credit checks, bankruptcy okay!
Now with FREE Credit Builder!
Better than a checking account – Great online bill pay service with no overdraft, bounced check fees – EVER!
Pay Nothing Now! – No deposits or prepayments required to get your card.
FREE Direct Deposit! – stop paying to cash your paycheck.
FREE phone and online access to your card account!
No declined transaction fees!
Great Loading Options – FREE direct deposit and bank account transfers, 60,000+ Green Dot and ReadyLink cash load locations.
Safer than cash - All deposits FDIC insured; purchases covered by Visa Zero Fraud Liability protection.
Cheaper than credit – no late fees, no over limit fees, no interest charges – EVER!
* Subject to I.D. Verification.

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Facecard prepaid MasterCard®

Instant Guaranteed Approval* - no credit check, no security deposit
Free Direct Deposit - easy access to your funds
Free Online Bill pay - no more mailing costly money orders.
Free Money Transfers to other Facecard members - no more spending money on wire transfers.
Ability to use anywhere MasterCard debit cards are accepted, including ATMs.
Receive Prewards, which are like coupons, put directly on your card.

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Upside Visa® Debt-free Prepaid Card

The power of a bank account in a Visa Prepaid card
Save up to $185 compared with other prepaid cards!
No activation fee. $0 monthly fee if $400 or more is loaded each month. Only $1.99 otherwise.
Free Direct Deposit from your employer.
Deposit cash at 60,000 locations nationwide.
No credit check required. Bad credit is ok.
Write personal checks, best to pay rent or other bills.
Accepted like any Visa debit card. Option to add a companion card.

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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

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Prepaid Visa® Purple Diamond RushCard

FREE Activation with Direct Deposit before 4/15/10
FREE Direct Deposit of pay, tax refund, anticipation loans
FREE live customer service 24/7
FREE text alerts and phone balance inquiries
FREE optional credit building history
FREE online money management tools
Pay bills and shop online
Easy to use - the convenience of plastic WITHOUT THE DEBT
NO Credit Check
STOP Paying check cashing, overdraft, interest fees
Card to Card transfers between RushCard Members
Free Prescription Discount Card from RushCard – Save up to 85% on prescriptions

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Prepaid Visa® Black Diamond RushCard

FREE Activation with Direct Deposit before 4/15/10
FREE Direct Deposit of pay, tax refund, anticipation loans
FREE live customer service 24/7
FREE text alerts and phone balance inquiries
FREE optional credit building history
FREE online money management tools
Pay bills and shop online
Easy to use - the convenience of plastic WITHOUT THE DEBT
NO Credit Check
STOP Paying check cashing, overdraft, interest fees
Card to Card transfers between RushCard Members
Free Prescription Discount Card from RushCard – Save up to 85% on prescriptions

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The Mango(TM) MasterCard® Prepaid Card

FREE Prepaid MasterCard
$0 Activation Fee
FREE Direct Deposit
FREE unlimited purchase / signature transactions
FREE account management online or with your mobile phone
FREE to check your balance with your mobile phone
No monthly fee when you load $500/month
Send money with your mobile phone
Load cash at tens of thousands of retailers nationwide
No credit check, no bank account needed, no overdraft fees

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ACE Visa Prepaid Debit Card

No application fee and no obligation
No charge for withdrawals at 1,600+ ACE Cash Express locations with direct deposit
Free unlimited purchase transactions with paid enrollment in FeeAdvantage Plan
Get paid up to 3 days earlier than with a paper check with free direct deposit of your paycheck or government check
No overdraft fees or minimum balances
Free direct deposit of your paycheck or government check
Protection from unauthorized transactions if card is reported lost or stolen. FDIC Insured
Earning your trust since 1968

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ACE Pink Visa Prepaid Debit Card

No application fee and no obligation
No charge for withdrawals at 1,600+ ACE Cash Express locations with direct deposit
Free unlimited purchase transactions with paid enrollment in FeeAdvantage Plan
Get paid up to 3 days earlier than with a paper check with free direct deposit of your paycheck or government check
No overdraft fees or minimum balances
Protection from unauthorized transactions if card is reported lost or stolen. FDIC Insured
Portion of your purchase goes to breast cancer awareness and detection.
Earning your trust since 1968

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Credit Card Tips

Chase Credit Card Rates

Credit card rates for the Chase Slate, Freedom and Sapphire credit cards. All of the Chase credit card rates are adjustable rates. The credit card APRs will vary with the market based on the Prime Rate. Chase Slate credit card rates: Chase Slate credit card has no annual fee. The Chase Slate credit card currently has an introductory credit

Citi Credit Card CashReturns® MasterCard

The Citi CashReturns® Credit Card is one of the most recent credit card offers in the category of rewards cards being promoted by Citi Cards. This Citibank MasterCard offers a combination of low rates with cash back rewards program. The Citi CashReturns MasterCard is marketed primarily towards consumers who have a good credit history and

Capital One Platinum Prestige Credit Card

For individuals with very good credit, Capital One’s Platinum Prestige credit card offer has some attributes worth considering. The Capital One Platinum Prestige Credit Card starts with a zero percent introductory credit card rate. The credit card offers 0% APR on credit card purchase transactions until November 2010 as well as 0% APR on credit card

Credit Card Comparison of Chase Disney Rewards Visa

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

Citibank PremierPass Card Elite Credit Card Review

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

Credit Card FAQs

I applied for a major bank credit card but was turned down. Now what do I do?

Whatever you do, keep breathing! You probably want to find out why your credit card application was turned down. You can ask the credit card company you applied to but you are likely to get to the crux of the biscuit by seeking answers with the credit bureaus that keep track of such things. The

Capital One Platinum Prestige Credit Card

If I fill out multiple credit card applications will it have a negative impact on my credit rating?

The most widely used credit scoring model is the FICO score by the Fair Isaac Corporation. The position they take on a new credit card is that looking for new credit can be equated to higher risk but that should this risk factor impact your score it probably wouldn’t be by very much. According to

I keep hearing about shredders. Are they really very useful?

Yes. If you don’t have one, we suggest you run out right away and buy one. The security they provide is worth way more than the cost! Credit card numbers and credit card statements are often stolen and used to purchase goods and open new accounts without the account holder’s awareness. Making this information harder

What is a fixed APR credit card?

Fixed APR credit cards carry a fixed interest rate that typically lasts for an extended period of time but may not last as long as you use the credit card. For example, if you transfer a balance to a credit card with a fixed APR on balance transfers of 10%, the APR for this balance

Credit Card Glossary

Processing Date

The credit card processing date is the day in which the credit card transaction is processed by the issuing financial institution or the bank credit card. If a separate credit card processor is used it is the date when the acquiring bank processes the credit card transaction.

Joint Liability

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

Validation Code

When a credit card transaction is processed a code is given that is used to validate and verify the financial transaction. The validation code is a unique set of characters value that credit card companies include as part of each authorization response to ensure that key authorization fields are preserved in the clearing or settlement

Annual Fee

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

Credit Card Processor

A company that performs the authorizations and settlements on credit card activities, usually handling several types of credit cards and payment cards. Merchants who accept credit cards as a form of payment utilize the credit card services of credit card processors who handle the transactions electronically. For credit card merchants that wish to sell their

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Credit Card Articles

Citibank PremierPass Card Elite Credit Card Review

Credit Card Offers and Credit Card Shopping

Credit card companies frequently use all varieties of attractive offers to acquire new customers. Low teaser rates are a common marketing tool used by the credit card companies to obtain new credit card customers. Low credit card rates, credit card rewards programs and credit card balance transfer offers and preapproved direct mail solicitations are some

Credit Cards for Small Purchases

If you have a credit card you probably are using it more and more. Most people are, and some of those purchases are for relatively small amounts of money. In the credit card business these small purchases are referred to as micropayments. A significant volume of micropayments is for internet transactions, primarily for music. Online music

Fine Print In Credit Card Agreements

Credit card agreements – all of those papers that come along with the new credit card – are well known for having fine print that outlines terms and conditions in language that can be difficult for the average consumer to understand. Often what you don’t know regarding the terms disclosed can hurt you. However, that

Chase Bank Credit Cards January 2010

Chase Bank offers a broad assortment of choices in credits cards. Chase offers VISA® or MasterCard® brand bank credit cards. Chase credit card categories include rewards credit cards, cash back credit cards, low introductory APR credit cards, no annual fee credit cards, balance transfer credit cards, travel credit cards, business credit cards, and student credit

Discipline and Credit Card Debt for Beginners

That first credit card is either a blessing or the beginning of the end and it is up to each person to decide which. It seems so great at first; you just flash your credit card and go home with a carload of the things you haven’t been able to afford until now. But when

Credit Cards, Credit Issues and Damage Control

Having access to credit and having credit, especially good credit, has become much more important in lending and the credit card business. Credit reports and credit scores now affects a significant amount of a consumer’s buying decision. Having good credit helps individuals obtain the best credit card rates, can help get the best mortgage rate,

Credit Card Cash Back Offers

The proper strategy in using your credit card with a cash back offer can ensure that you are earning the absolute maximum credit card cash back possible. With the astonishing variety of competitive credit card rewards offered in the marketplace, use these credit card offers and programs to your benefit. Take advantage of the payback

Bank of America Credit Card Offer for BankAmericard Cash Rewards Visa SignatureCard

The BankAmericard Cash Rewards Visa SignatureCard is a rewards credit card that comes with some special introductory promotions. The credit card is marketed with a $75.00 bonus and extra credit card rewards. This is a no annual fee credit card marketed by Bank of America. The $75.00 statement credit can be redeemed by using a new

Credit Cards and the Importance of a Credit History

Like it or not, we live in an electronic world in which the data trail we create behind us is a critical, direct link to our current and future financial success. Though it certainly feels nice to carry a giant roll of bills in your pocket, the days when cash was king are long gone.

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