optionsXpress Platinum Visa Card Offers 12-month 0% Balance Transfer
Nowadays, you won’t find many credit card issuers who are willing to give you 12 months of free loans (0% APR for 12 months) and even if there are card companies can give you 0% APR for 12 months, they usually charge at least 3% if you use the card to make balance transfer (the [...]
Chase Introduces Ultimate Rewards
A couple of days ago, I read an article on the Wall Street Journal about a new credit card rewards program Chase has just launched. The new program is called Ultimate Rewards, similar to Citibank’s ThankYou Network program and American Express’s Membership Rewards program. Basically, cardholders earn rewards points when using participating Chase credit cards [...]
Credit Cards That Let You Invest Cash Back
I have heard some rumors that Chase no longer gives 3% cash back to Freedom Card holders for shopping at gas stations and grocery stores. I haven’t got the notice from Chase myself yet and my latest statement on May 13 still shows 3% cash back for every $1 of eligible purchases made at gas [...]
Tips to Building and Maintaining a Good Credit History
Nowadays, a lot of things are becoming increasingly difficult to do without a good credit history, while at the same time, those days of easy credit has probably gone forever, thanks to the financial crisis that has put a squeeze from lenders and borrowers alike.
Not only will a good credit history help get the loan [...]
What The CARD Act of 2009 Means to You
The U.S. Senate overwhelmingly passed the Credit Card Accountability, Responsibility, and Disclosure (CARD) Act of 2009 yesterday. The House, already passed its own version of the bill last month, also voted 361 to 64 today to wrap up the legislation. Now the bill is sent to the President for his signature to become a law, [...]
Secured Credit Cards for People with Poor Credit
For people with good credit, they probably won’t have any problem obtaining a regular credit card. However, for many who either don’t have a credit history at all or have a less desirable credit, the only way to build or rebuild credit is getting and using a secured credit card. Since there are occasions, such [...]
Credit Cards with Sign up Bonus
A quick summary of credit cards that currently offer incentives:
Starwood Preferred Guest Card from American Express 25,000 Starpoints: Open a Starwood Preferred Guest Card and get up to 25,000 bonus Starpoints that can be redeemed for airline tickets, hotel stays, or room upgrade. $45 annual fee is waived for the first year. Find out more [...]
Consumer Friendly Credit Cards
The new credit card regulations that aim to rein in excessive, and sometimes abusive, practices by credit card companies won’t take effect until July 2010. Congress is proposing a new legislation that will further regulate the credit card industry, protect consumers, and, hopefully, speed up the implementation of the new rules passed by federal agencies [...]
Discover Card $30,000 Paperless Statements Sweepstakes
Are you still receiving paper statements from your banks, credit card issuers, or phone companies?
Since I do transactions, such as checking account activities, paying bills, and transferring funds, I want to eliminate paper statements all together if I can because there’s nothing on the paper that I can’t find online. So there’s just no reason [...]
Applied Bank Secured Visa Card
Yesterday, an article on CNBC On The Money mentioned three credit cards that you need to have when the credit card industry is undergoing dramatic changes due to the credit crisis. Of the three cards mentioned, one, the Discover Card, is a everyday card for everybody with good credit; one, the American Express Platinum Card, [...]
