Montreal SOS asked:


I am looking for a secured credit card that has the lowest interest rate and the lowest deposit amount. Also a need a card that will be reported to all three credit bureaus.

Brandon

sundrop_rulz asked:


I currently have around 10,000.00 dollars of credit card debt on three different cards. I am paying 29.99% on two of them, and 22.99% on the other one.

I have tried to get a card with a better rate to transfer my balances to, but the issuers won’t give me one because I am using so much of my available credit now. I have not had any late payments on my credit accounts, tho.

Should I try to get a home equity loan to pay off the cards, or is that a bad idea, too?

I know that I got myself in this situation, and I am wholly responsible. I do not feel right about declaring bankruptcy, but really want to get out of debt somehow.

If I am unable to get a lower rate, then I don’t see a way to rid myself of the debt. Any advice?

Herbert

Eric Wasselman asked:


The Universal Entertainment Platinum MasterCard is a reward program credit card that awards members a point for every dollar spent on general purchases, and two points for purchases made at Universal properties.

The points, worth a dollar each can be redeemed for movie and concert tickets, private movie screenings, CDs, DVDs and all sorts of other entertainment related goods and services. Earned points expire in five years if not redeemed, while the total amount of points accrued within the billing period must not exceed the credit limit. Therefore there’s no point in maxing out your limit at Universal Theme Park because you won’t be able to acquire reward points double that of your credit limit value.

Nonetheless the card does have unique benefits for cardholders. Through the Universal MasterCard, cardholders are granted access to exclusive opportunities and the chance to win tickets for various entertainment award events, backstage passes and a customized entertainment library. The card also comes with no annual fees and features a 0% introductory APR for the first six months of membership. After that, the APR is calculated through the applicant’s credit history, although the APR for the Universal Mastercard can be considered quite reasonable.

However, the method for determining finance charges for this card kind of dulls the shine of its Platinum status. Calculated with the “Two Cycles Average Daily Balance” method, finance charges for balances on the Universal MasterCard is somewhat higher than if it was calculated using the regular “Average Daily Balance” method.

In conclusion, the Universal MasterCard would be ideal if you plan to take a trip to Universal Studios or if you are generally into the entertainment scene. What’s more, benefits would be even greater if your credit history qualifies you for the lowest APR. Of course, this is as long as you plan not to carry forward your outstanding balances and let the high interest charges nip at your ankles.



Frances

Beth Derkowitz asked:


The Chase Ultimate Rewards Express Student MasterCard may be the perfect solution for you. It provides for a good reward program that is significantly beneficial to the average student. You will find that it is an ideal choice for those that are looking for a good reward program that offers something that they are interested in. This credit card is designed for someone that has better than average credit and is looking for a good reward program.

The Chase Ultimate Rewards Express Student MasterCard provides for a fundamentally sound credit card opportunity. You will find that it offers six months of an introductory 0% interest rat. After that time, you will pay 17.99% variable APR for purchases as well as 23.99% APR on cash advances. There are no annual fees to this credit card account offered by Chase. In addition, your credit limit is not limited depending on how much you qualify for.

One of the best features of this credit card is that of its reward program. You will find it to offer a good opportunity for many students even those that are a bit picky. You will earn one point per dollars spent on your line of credit. There are no additional methods to earn bonus points, but you get to select from a more open amount of merchants. You will earn one point per dollars spent in net purchases. These points are then redeemable for a wide variety of merchandise and gift certificates including brand name products and restraints of your choice. There is no expiration on this credit card, but you are limited to 60,000 worth of points per year.

The Chase Ultimate Rewards Express Student MasterCard is an ideal choice for those looking for a good credit reward program with more flexibility in their reward choices. With it come the things you would expect from Chase including $500,000 in travel accident insurance, auto rental insurance and lost and stolen car protection.



Tanya

Claudia S asked:


I do not understand how this works. I know some companies have restrictions on airline miles. Can someone tell me from experience which credit card is the best to use. I would like a company that gives the best deal on their airline miles and or is flexible on their miles (i.e. where you can travel, etc..). Thank you.

Veronica

devotionalservice asked:


I found someone was collecting money from me every month on my credit card and I never signed up for that. Is there some kind of phishing device that collects critical credit card data from your computer without your knowledge?

Jacob

Beth Derkowitz asked:


If you are looking for a great pre-paid credit card then you will want to know the details of the Vaya Prepaid MasterCard application. Issued by BANKFIRST, the Vaya Prepaid MasterCard has many great options for you. If you have poor credit or no credit at all or you have difficulty getting a standard unsecured credit card, then you will likely get the most benefit from this card.

You do not have to have a bank account to obtain this card but you will be required to pay in advance on the card for future purchases made with the card. You can have advance payments taken directly from your paycheck or direct deposited from your employer into your credit card account for making purchases if you choose. This keeps your money safe and makes it easier to use your card at participating locations.

However, you do need to know that there are some fees which are associated with this card. There is an application fee of $49 if paid online and monthly fees of $5.95 ($71.40 a year). If you are trying to establish credit by using this card, it will not benefit you as they do not report to a credit bureau. The card is simply a way for you to keep and use your own money.

However, the card also has fewer qualifications than other unsecured credit cards. There are no credit checks, no security deposits, and no employment requirements. The only requirement is a verifiable address in the United States. The card has a referral program which is another little bonus. They will pay you $25 to each referral that activates their card as well so it benefits you to tell family and friends.

Additional cards are $5 each and there is no annual fee after the initial set-up fee but you are charged the monthly participation fee. There is no minimum or maximum credit limit as it is a prepaid card. There is a $1.50 charge on ATM transactions used for cash advances ($3.50 for international ATMs). There is no minimum deposit but there is a maximum deposit amount of $2,500.



Leonard

dakeen forx asked:


I have $30,000 and think to get business credit card. What is the average credit limit on a business credit card? What information will I need to provide?

Adam

hedonist asked:


I have credit cards which say they cover me for rental car insurance when I use the card to make the full payment for the rental. How does that work? Are there any catches? Does it make sense for me to get the additional insurance from the rental agency (like Avis)? If I am in an accident, will the Credit Card insurance cover everything or will it also be charged to my regular car insurance company?

Leon

Mujahed Ali asked:


Our quick reference article aims to put your mind at rest by explaining exactly how getting the Orchard Bank Silver MasterCard benefits you even when you have limitations on your credit line.

We understand how getting detailed reports is important to your stand as an informed and aware business credit card holder and Orchard Bank Silver MasterCard providers give ample proof of understanding your needs as paying customers by giving you quality customer care facilities even when you have a bad credit background.

This is apart from offering you closely competitive credit card company advantages to power up your business’s net worth with measurable methods outlined by various user-centric programs (reward points on swiping the card for merchandise, travel miles, etc.), which also serves as a yardstick for start-up enterprise owners to better monitor the baseline of their credit.

People with bad credit can bank on and with Orchard Bank Silver MasterCard: here’s how -

This segment is especially meant for those of you with poor/no credit history or those who have been late in payments, which translates into credit history being far from ideal. Don’t lose hope for Orchard Bank Silver MasterCard is just the thing you need to bail you out of temporary business expenses; all you need to do is focus on improving your score and learning as much as you can from credit card experts about getting the best deals that will help you do this. To improve your credit score, you should try and review all the competitive line-ups of small business credit cards aimed at people with a bad score, most of which cover both secured and unsecured offers, as Orchard Bank Silver MasterCard.

You also need to understand where you have been going wrong and what type of spending behavior has caused your bad credit to mount up so you can work to control your poor spending habits. However, the good part is that even though a bad credit history can limit the deals you get in a business credit card, with the convenience and leeway given by companies for online applicants, even with their harder terms and conditions, its still a steal of a deal – considering the great incentives they carry with them!

The best company for getting yourself an online business credit card if you go by our recommendations is undoubtedly, Orchard Bank and the plastic in question being the Silver MasterCard that you can get on at smaller retail stores too.

Making the most of getting your application for Orchard Bank Silver MasterCard accepted: tips on improving your score and smart spending!

• Once your credit card application is accepted, you can opt to make a small purchase and resolve to pay the minimum payment on time on a monthly basis; in fact, what’s a smarter option is to aim at paying a little over and above the minimum payment due so you can save more on interest charges.

• Aim at getting a secured credit card if other options do not work so all you need to do is approach your chosen savings institution or credit union as the agency that already has your business will be more likely to give you the credit card. Open and maintain a savings account to act as security for your line of credit, which will be a percentage of your deposit.

• Get a family member or close friend with good credit to co-sign for a credit card so that your possible bad credit gets countered with some good credit.

• Pay all your other bills on time and keep your additional credit card limit to a maximum of 3 cards, so that you can limit expenses to only emergencies purchases besides demarcating one for business use and the others for personal use so as not to get swamped with a big fat bill.

Use the above tips to rebuild your bad credit history with more responsible ones – Orchard Bank Silver MasterCard helps you big time in smart money management at low interest rates.



Tyler