Credit Card Gems

Advanta Kiva Credit Card

Thu, 27 Nov 2008 21:23:53 +0000

The Advanta Kiva Credit Card offers an unbeatable 0% balance transfer for 15 months and a 7.99% FIXED APR following the grace period. With no annual fee, the Advanta credit card offers a 5% credit for grants to Kiva and other charitable donations. In addition, Advanta will match, dollar for dollar, your grant to Kiva. The Advanta Kiva Credit Card is the perfect card to consolidate all your other credit card balances. Click here to apply!

Canadian Credit Cards

Wed, 12 Nov 2008 03:56:26 +0000

Now MBNA and MasterCard® have joined up to offer a variety of Canadian credit cards for Canadian residents. All the same features you have come to know with MasterCard® are now available. Accepted around the world at millions of locations, these Canadian Credit cards offer no annual fee, 24 hour customer service, fraud protection and cash back offers. Please refer to the online application legal disclosures. Click here to apply!

NOTE: The above Canadian credit card offers are for residents of Canada. Please do not apply for one of these offers if you reside in the United States.

Vision Prepaid Card

Mon, 27 Oct 2008 00:51:04 +0000

With the Vision Premier Prepaid Visa Card, you are guaranteed approval with no credit check! The Vision Premier Prepaid Visa is safer than cash; your money is protected by the Visa Zero Liability policy if your card is ever lost or stolen. The prepaid Visa offers free direct deposit, no monthly fees, access cash at ATM’s, and bill payment on line. Load cash at over 100,000 retail locations with your Vision Premier. Take control of your finances and use your Vision Premier everywhere Visa Debit cards are accepted! Click here to apply!

First Option MasterCard®

Fri, 24 Oct 2008 18:24:33 +0000

First Option MasterCard® is the perfect secured credit card with all the privileges of any other MasterCard®. All applicants will be approved regardless of your credit history. No credit check and credit limits may be approved up to $5,000. The First Option MasterCard® reports to all the major credit bureaus to ensure your credit score is maintained. Click here to apply!

Identity Theft

Mon, 13 Oct 2008 17:57:40 +0000

Identity theft is a serious crime that has been increasing as technology grows. 2007 had estimates of up to 15 million people victimized by identity theft in America. With the economy in dire straits currently, identity theft could increase dramatically this year if people don’t take the necessary precautions. It is even more critical for individuals to monitor their credit rating on a regular basis.

Today, millions are shopping online and purchasing over the internet on a daily basis. Identity theft has risen as thieves turn their attention to this domain. Most sites are secure and trusting but always make sure you are using a secure browser and website when shopping online. Never release personal information when shopping online unless you are using a secure browser. If you don’t have a secured browser or the website, when shopping online, place your order by phone. Likewise, if you do order by phone, make sure no one is near by that may overhear your credit card number.

Also, many websites require a password or a personal identification number (PIN) when shopping online. Don’t use common names or dates that can easily be guessed. Create a password or PIN made of numbers and letters. As an example, instead of using “Mickey” use “M8ck3y”. This simple change will deter most identity theft opportunities.

Other identity theft areas to remember include:

-Keeping your credit cards with you at all times. Never let your cards out of your site even to waiters at restaurants or cashiers at stores.
-Check your monthly credit card statement thoroughly. Whether you receive your credit card statement by mail or electronically, check to make sure all the charges were actually made by you. Any discrepancies on your credit card statement should be reported to your credit card company immediately.
-If you’re planning to move, let the credit card company know in advance to prevent the next tenant from receiving your credit card statement.
-An obvious, yet frequently overlooked, area is to alert your credit card company if your card becomes lost or stolen with the date the card was lost or stolen. This way a stop can be put on your card to prevent charges from being made to your account.

In many cases, victims of identity theft haven’t done anything wrong except place their trust in people. Do your part to protect your identity by following the tips above and you will reduce your risk of identity theft. Most credit card companies today offer a identity/fraud protection guarantee so make sure you look for credit cards which offer this protection.

Again, check your credit rating often, and if you notice anything odd contact your credit card company immediately. As mentioned most have measures in place to keep identity theft damage to a minimum.

Chase Platinum Visa® Card

Mon, 29 Sep 2008 16:14:22 +0000

With the Chase Platinum Visa® credit card, all balance transfers will have a 0% APR for up to 12 months based on your application and credit history. Chase Platinum Visa® is also a great rewards card earning 1 point for every dollar spent which will earn airline tickets and hotel stays quicker. With no annual fee, the Chase Visa® is the perfect balance transfer credit card.
Click here to apply!

Union Plus® MasterCard®

Mon, 29 Sep 2008 16:02:06 +0000

The Union Plus® MasterCard® provides a no balance transfer fee and the APR remains fixed until the balance is paid in full. A free rewards program, designed for union members, the Union Plus® card earns 1 point for every dollar spent and 2 points at gas stations and grocery stores. With no annual fee, the Union Plus® MasterCard® offers a 1.99% intro APR on all new purchases.
Click here to apply!

Credit Card Fraud

Thu, 18 Sep 2008 14:51:27 +0000

With the increase of cell phone cameras, credit card fraud has been on the increase. Restaurant waiters and retail clerks are finding new ways to steal your credit card number. Cell phone cameras are used to take pictures of your credit card when you hand it to them to pay for your purchase. The easiest way for them to do this is to slip your credit card into their pocket and take a picture while walking away to charge your credit card. We suggest if you pay with a credit card, watch the merchant closely. Make sure the retail clerk, or waiter, does not enter the bathroom or leave your sight while holding your credit card. This is a good way to avoid credit card fraud!

The good news is most credit card companies now offer some level of credit card fraud protection. However it is important as a consumer to regularly check your credit score. We always suggest getting a free credit report like the one offered by GoFreeCredit. Keeping current with your credit score will reduce any credit card fraud and give you peace of mind.

90 Day Interest Free

Wed, 10 Sep 2008 16:20:51 +0000

Advanta Credit Card has introduced a new business credit card which offers 90 days interest free on all purchases. The Advanta Platinum Business Credit Card charges no interest for 90 days on purchases, offers a business rewards program, and has no annual fee. The Advanta Platimum is perfect for a small business managing their cash flow. The 90 day interest free period is not a promotional offer and can provide up to $50,000 in working capital. While the business rewards program is not as competitive as other business rewards programs, it does provide redemption for travel, merchandise or cash. It is better than nothing. However, the main attraction for small businesses to get the Advanta Platinum card is to take advantage of the perpetual 90 day interest free period.

Salute® Visa® Gold Credit Card

Tue, 02 Sep 2008 18:20:38 +0000

The Salute® Visa® Gold Credit Card is the newest credit card offered by Visa®. Whether you have poor credit or not, all credit types are welcomed to apply. A quick and easy online application process is being offered with instant approval notification of your credit application in minutes. The Salute® Visa® Gold Credit Card reports to all the major credit bureaus.

Click here to apply