Discover Leads in Branding

May 7, 2011 Posted Under: Credit Cards Info

If you’re loyal to your Discover card, climb aboard. Discover card leads the credit card industry in customer brand loyalty for the 15th consecutive year. Why is this? Well according to the 2011 Brand Keys “Customer Loyalty Engagement Index,” examining 528 brands in 79 categories to determine the degrees of loyalty that consumers exhibit toward their favorite brands, Discover led the way in “experience” and “authentic innovation,” both of which demonstrate the strongest impact on customer decision-making, category expectations and brand engagement. With customer rewards integrated and relevant, Discover focuses on giving you added value on your purchases and making reward redemption convenient.

Play your credit cards right for summer

May 6, 2011 Posted Under: Credit Cards Info

Big spenders can make their cash go further by picking the right credit card before a summer shopping spree.

Putting your holiday or garden furniture on a reward credit card can earn you extra spending cash.

But make sure you pay the balance in full every month, because interest charges will always far outweigh rewards.

For those who do want to spread out their repayments, an interest-free deal can help to avoid extra cost.

The key to making the most of reward cards is ensuring that you are only getting perks and cashback for things you will actually use. There is no point earning travel miles with an airline if you dont plan to fly anywhere.

For most people, cashback is often the most flexible way of getting perks. Spending 10,000 on an American Express Platinum cashback credit card would earn you 171 cashback, according to Moneysupermarket.

The American Express card offers 5% cashback for the first three months, with a maximum reward of 100.

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How To Find The Right Credit Card For You

May 5, 2011 Posted Under: Credit Cards Info

Choosing a credit card from those available on today’s market can be difficult. Not only can credit cards have many hidden terms and conditions, but some of them simply represent a bad deal for the consumer. B

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MasterCard & Hyatt

May 2, 2011 Posted Under: Credit Cards Info

Travel for business? Listen up; MasterCard Worldwide and the Hyatt are set to offer you the benefits of the former’s enhanced folio data program. Businesses that use MasterCard corporate cards will be able to access line item expense data from their travel and entertainment activities at more than 12,000 hotels and resorts in the United States and Canada. The MasterCard enhanced folio data program offers you and your corporation high quality, detailed expense data which helps them more efficiently manage their corporate card programs and integrate expense reporting with existing financial systems. This gives you “level 3″ expense data, such as room charges, tax, meal, telephone and business center fees, among other itemized expense details. So join the more than 12,400 corporate clients and tap access to the MasterCard hotel folio data program now!

American Express Blue Cash Everyday Card Review

May 1, 2011 Posted Under: Credit Cards Info

American Express just launched a new cash back credit card, coined the “Blue Cash Everyday℠ Card.”

The credit card comes with no annual fee and no spend minimum, meaning you start earning cash back at the full percentages right off the back.

What you get in the way of cash back with the Blue Cash Everyday Card:

- 3% cash back at supermarkets
– 2% cash back at gas stations
– 2% cash back at department stores
– 1% cash back everywhere else

Rewards dollars can be redeemed once your balance is $25, and can be used for cash, gift cards, statement balances, or other merchandise, such as electronics, clothing, and more.

0% APR for up to 12 Months

The Blue Cash Everyday Card also comes with 0% APR for up to 12 months on purchases, meaning you won’t have to pay any credit card finance charges for the first year.

After that, the variable APR ranges from 17.24% to 21.24%, depending on things like credit score and other borrower attributes.

The card also affords you discounts at places like 1-800-FLOWERS.COM®, Fleming’s® Prime Steakhouse & Wine Bar, Hertz®, and other merchants.

You can see a complete list of partners and offers here.

You can also receive a $25 referral bonus for each friend or family member who is approved for the Blue Cash Everyday Card.

Final Word

If you use your credit card at supermarkets, gas stations, and department stores often, this could be the card for you.

The categories are fixed, so you won’t have to worry about them rotating in and out, like the rewards programs offered by other card issuers.

And with no annual fee, it’s a great choice for those who want the benefits of American Express without the cost.

Apply here.

Disclaimer: This content is not provided or commissioned by American Express. Opinions express

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Personalized Credit Cards

Apr 30, 2011 Posted Under: Credit Cards Info

Consumers are now able to pick their interest rates themselves, thanks to a new and personalized credit card.

It was developed by Accucard, and with it customers can tailor their own annual fee, cash back options and even the interest rates to suit them. In order to apply customers must fill in an online application.

Once approved they are given a list of various annual charges, interest rates as well as cash back options. Then they can pick the one which best suits their lifestyle.

People who spend a lot and pay their bill at the end of every month, will probably not care about the interest rates, they will probably want a bigger percentage of cash back for their purchases instead. But someone who doesn’t pay their bill in full and the end of each month, will most likely want to choose a bigger annual charge and get lower interest rates.

Cardholders are allowed to change the terms of the personalized card whenever they want, so they will not be stuck to one thing for longer than they want. E

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The Dangers Of Credit Card Thieves Online

Apr 29, 2011 Posted Under: Credit Cards Info

It is an alarming fact that credit card thieves account for 5 cents of every 100 dollars in transactions made through credit cards?  Security features have come a long way since the inception of credit cards.  At the very beginning, there wasn’t any protection for people with credit cards.  If a thief got a hold of a card, that was all that was needed to commit fraud.  Nowadays, however, thieves have less ability to make fraudulent transactions on a card, especially ones which harm the card holder.

These days, credit card companies have adopted a “zero-liability” policy.  This means that the customer isn’t liable for any of the purchases that a thief makes.  If the borrower didn’t authorize the purchase they are not held accountable.  An investigation, which involves the credit card company and the police will ensue, allowing them to find the thieves and leave the consumer without any charges to pay.  No matter what the thief does with a card, the customer is not liable.

Sometimes, thieves will try to gain access to credit card details through the borrower’s email inbox.  This is called phishing, and is usually carried out by sending an email requesting the credit card number.  Customers should be aware that neither Paypal nor credit card companies will ever ask for personal information.

Some websites on the Internet today are fraudulent, being created to make borrowers believe that they are making a purchase which will get a product delivered to their home.  In reality, they can make exorbitant charges to the card and leave the customer with very little in their account at the end of the transaction. Consumer should be awa

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Inheriting Debt: What You Need to Know

Apr 26, 2011 Posted Under: Credit Cards Info

When a loved one passes on, financial burden can increase the family’s hardship and suffering. With so many life expenses ranging from mortgages to car loans to credit card debt, student loans, and everything in between, it’s a common worry to think about the future of large debts and whether or not that debt is inherited. Before worrying too much over inheriting debt, it is important to understand what actually happens when a loved one passes on and leaves a large debt behind.

So what happens when someone with a large amount of credit card debt dies? Is the debt left behind for their families or surviving spouse to pay off? Is the debt forgiven? Is it settled somehow, along with the funeral arrangements?

The answer is, it really depends.

“Whether you inherit debt or not depends on the state you are in ,” says Assistant Professor Mitzi Lauderdale from the Undergraduate Program Director in the Division of Personal Financial Planning at Texas Tech University.

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