Credit cards

Low interest credit cards: what benefits you will get

Today you can see ads about credit card companies that propose credit cards with low interest rate. And this is an attractive option. However, with low percentage, best credit cards offer combinations More »

Credit card

Using of a credit or debit card has advantages and disadvantages

There are many decisions for a small business owner in our fast developing world. When it adverts to different budgets for advertising, inventory, travel and more, every decision is important. A major More »

credit cards

What can rewards credit cards offer you?

Using rewards credit cads, you will find rewards everywhere: gasoline stations, groceries, supermarkets and restaurants. They all want to reward you just for buying. Similarly, the credit card providers have their own More »

Credit Cards

A bad credit credit card: types and advantages

It is easy to obtain credit cards, even with a low credit score. Interest and fees will be higher, but your application will be approved. Start rebuilding of your credit now. The More »

Category Archives: Credit Cards

Get rewarded for shopping at Sephora

April 19, 2011  |  Sofia Tuckson

As with most people, Sephora is a shopping haven of make up, accessories and perfume. There are over 200 brands to shop from. Chase is currently offering a special increased earnings of 8 points per dollar spent through June 30, 2011. I don’t know what it will go to when this date comes up, so make sure to stock up before this offer expires! And we all know, when shopping Sephora, that is going to rack up some great rewards! I love their lipsticks while a friend of mine goes gaga over their make up brushes. So, you truly can shop here for anything you need in health and beauty. From Chase’s website:

Shop Sephora with over 13,000 products from over 200 of your favorite brands like Bare Escentuals, Dior, Clinique, Philosophy, Smashbox and more. Get FREE shipping on orders over $50, 3 FREE samples of your choice with every order, and FREE and easy returns.

See the image below for other specials available with Sephora:

Discover Card offers 5% cash back bonus when you shop Sephora. The

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Tags: Sephora
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The Pros & Cons of Using a Credit Card in Emergency Situations

April 17, 2011  |  Lilly Franklin

A wise man once told me “life is what happens when you’re busy making other plans.”  Or maybe that’s just a popular saying? In any event, unforeseen situations can spring up at any moment, and sometimes they force you to reach for your credit card at the least opportune times.

While it’s impossible to predict emergency situations before they happen, at the very least you can arm yourself with knowledge of the pros and cons of using your credit card to charge your way out of life’s little mishaps.

Here’s a run-down of a common sticky situation, and how credit cards can and cannot help.

Let’s say you’re driving merrily down the highway, not a care in the world until all of the sudden your engine starts to sound like a dying rhinoceros.  You shut off your car just as black smoke begins to billow out your front end, and by that point you’ve put two and two together and determined there is something amiss in your car’s engine.

Unless you want to continue your car trip sans car, you’ll have to shell out some pretty pennies to get your car back in working order.  Unfortunately, you’re not sitting on a pile of emergency cash that can afford an engine replacement on the spot.

The question now becomes, should you use one of your credit cards?

Of course, you may not have much of a choice.  But there are some very important factors that you should consider before breaking out the plastic.

For one, you need to take into account what your spending limit is. If the expense is going to ta

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Tags: Situations
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How the Credit CARD Act Helps You

April 11, 2011  |  Lilly Franklin

In an effort to create greater transparency between customers and credit card companies, the Credit Card Accountability, Responsibility and Disclosure Act of 2009 (CARD) introduces consumer-friendly litigation that regulates how banks control credit card fees. Notably, the new law standardizes how a bank can increase interest rates, change introductory offers and delinquent payments.

The CARD Act of 2009 says that credit card lenders no longer have the ability to blindside customers with credit card interest rate increases. Banks can’t increase rates within the first year of the account, and after this grace period, any interest rate increases must include 45 days notice to the card holder about any new changes or fees. Additionally, the credit card interest rate changes do not affect the previous balance carried on the card.

However, there are some exceptions to the rule. Some creditors issue credit cards for bad credit that have a variable-rate tied to an index, allowing the interest rate to change at any time. O

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Tags: Act, Credit Card
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The Future of Credit Cards: No More Plastic

April 07, 2011  |  Lilly Franklin

There’s a battle raging in America, and it’s not one involving weapons or violence. Rather, the fray is seen in the corporate world, and it’s all about our money.

Now, we’re all used to marketing efforts that encourage us to buy from one company instead of another, but this is a different fight.

This isn’t about where we spend our money, it’s about how we spend it.

Attention around Near Field Communication is growing throughout mainstream media. Even so, many are unaware of its existence and future possibilities.

Simply put, Near Field Communication (NFC) is the ability for two wireless technologies to communicate with one another, typically requiring a proximity of four centimeters or less.

There are dozens of innovative, remarkable uses that could, and eventually will, come from NFC. However, there is one focus being highlighted, underscored, put in bold font, and circled by way of the companies struggling to be front and center with this technology; Google, Apple, Visa, Mastercard and others see NFC as the way of the future.

Demonstrating his vision for NFC, Google CEO Larry Schmidt states: “I’m walking down the street and I need pants. My phone has an

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Capital One Gives Out Their Billion “Miles”

April 05, 2011  |  Sofia Tuckson

A few weeks ago, I was excited to learn that Capital One was holding a “Match My Miles” promotion where new recipients of their Venture Rewards card would be eligible to receive up to 100,000 “miles” from Capital One by submitting a statement from a frequent flier program.  The terms indicated the miles had to have been accrued from credit card spending, but further investigation revealed that pretty much any existing mileage in an eligible account would be “matched”. The terms of the offer indicated that they would only offer it until 1 Billion “Miles” had been matched.  This morning, Capital One announced they had reached that figure and the offer is now closed.

Why This Was Such A Great Offer

Capital One’s miles are worth one penny each as a statement credit against existing travel expenditures, including hotels, car rentals, and airfare. For anyone who travels at all, this is as good as $1,000 cash back, an unprecedented sign up bonus. The actual sign up

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Tags: “miles”
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A New Academic Study Scrutinizes Credit Score Reporting

April 03, 2011  |  Sofia Tuckson

A New Academic Study Scrutinizes Credit Score Reporting

The all-important credit score has gained so much significance in our modern lives that a team of researchers from the University of Missouri plan to spend more than a million dollars to study it.

The group of experts was given $1.13 million in grant money by the U.S. Federal Trade Commission, and the educational institution released a statement to the media explaining that the focus of their research is to gain more insight into the how disputes related to credit scores are resolved. Under the Fair Credit Reporting Act – a piece of legislation that attempts to protect consumers from unfair lending practices – anyone who has a credit score is entitled to contest it, ask for errors to be corrected, or block access to their credit history. The study hopes to find out whether the process for resolving problems with credit score is effective and efficient.

They will also study how use of credit is evolving and how the payment habits of consumers impact their credit worthiness and overall financial health. We

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Tags: Credit Score, Credit Score Reporting, Reporting, Score Reporting
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Keeping Cash on Hand for Emergencies

April 02, 2011  |  Lilly Franklin

The earthquake in Japan scared the crap out of me, and I was simply sitting in the comfort of my home nearly 5,000 miles away.

I would find myself up late at night watching video clips on CNN over and over again thinking, “Did this really just happen?” The footage looked like something straight out of an apocalyptic movie. Really scary stuff!

Of course, my thoughts would eventually turn to all the Japanese people whose lives were lost and how prepared I would be to take care of my own family and friends in the face of such devastation. I do live in Seattle, so earthquakes and even tsunamis are real dangers that shouldn’t be ignored. Sadly, I can’t say I’m prepared at all.

So I’m determined this month to buy 72-hour kits that will always be ready to go in the event of an unplanned evacuation from our home. I’d also like to beef up our nonexistent food storage supply, but that will take a bit more time and effort.

In addition, I’ve often talked with my wife about how we should keep more cash at home for an emergency.  However, the t

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