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Tips on Getting More From Your Credit Card Rewards Program

admin — Tue, 03 Aug 2010 10:50:38 +0000

Do you own a reward credit card or are you planning on applying for one? Many people own one or more reward credit cards on their account but not all of them are reaping the rewards they deserve. In this article, let’s discuss some tips on how you can get more from your credit card rewards program and how to make sure that you’ll be redeeming those well-deserved rewards:

Use your discount privileges. Most reward credit cards include discount privileges that are exclusive only to their card holders. Are you aware of the discount privileges your credit card provides? If not, then take the time to review the terms of your card or check online and make sure that you are maximizing the full potential of your credit card. For instance, some credit cards provide printable coupon codes online that you can use in purchasing from selected merchants. Usually, all you need to do is register online in order to access these printable discount coupons and get big savings.

Pay your balance in full each month. Reward credit cards usually come with higher interest rates than regular credit cards so you’ll want to make sure that you’re not carrying a balance over to the next billing cycle. Why would you pay for additional cost on the interest rates when you can avoid it by paying on time? If you need to pay for the interest rate each time, you may actually be paying more than what you earn from your reward credit card.

Stay true to your card’s terms and conditions. Did you know that not paying your bills on time, delaying on your payments or exceeding your credit limit can disqualify you from redeeming your rewards? Yes, most reward credit cards impose this rule on their card holders. If you’re not sure, take out your copy of your credit card’s terms and conditions and review the stipulations on this matter. To be sure that you’ll be eligible to claim your hard-earned points, always stay true to your credit card’s conditions.

Use your reward credit card wisely. To collect points and earn your rewards quickly, obviously you need to use your credit card. Nevertheless, this doesn’t mean you need to go out of your way to make unnecessary purchases which can result to credit card debt. Remember, it is crucial for you to pay off your monthly balance regularly to avoid the interest and penalty fees. Exercise caution when using your reward credit card and don’t charge purchases on it just to collect your rewards.

Pay your utilities using your reward credit card. One way to rack up those points without making unnecessary purchases is to use your reward credit card in paying your monthly utilities. These include your electricity, cable, telephone, gasoline, and other services you’re subscribed to. You can also work as a family in collecting points on your reward credit card. If your family members need to make purchases, tell them to charge on your card and pay you the cash instead. This way, you can accumulate more points on your account without breaking your budget.

Tips on Getting More From Your Credit Card Rewards Program is a post from: Aid Credit

Building Credit from Scratch: Your First Credit Card

admin — Tue, 27 Jul 2010 22:23:48 +0000

If you are trying to rebuild your credit or are just starting out and have no credit history whatsoever, getting approved for your first credit card can seem like an insurmountable task. If you have applied for several credit cards and keep getting turned down, do not worry. A change in strategy will put plastic in your wallet before you know it.
One of the most common mistakes that people make when applying for credit cards is applying for the wrong card. Major credit cards such as Visa, Master Card, Discover and American Express are very difficult for the first-time card holder to get. Finance cards, on the other hand, are much easier to get. Finance cards are credit cards that are issued through a store or franchise and can only be used at that business. Finance cards include cards issued by Target, Wal-Mart or Best Buy, etc.
Granted, finance credit cards do not carry as much weight on your credit report as major credit cards, but they are a great way to start out. If you find it difficult to get a finance credit card, a secured credit card might be your best bet. Secured credit cards are especially helpful if you have bad credit.
Secured Cards
A secured credit card is a card that is issued to you in exchange for a deposit in the amount of all or part of the credit limit. It may sound ridiculous to pay $500 to get a $500 credit card, but a secured credit card can be a major boost to your credit standing. Why? If you get the right card, a secured credit card can have as much impact on your credit report as a major credit card.
When you apply for a secured credit card, you should be sure of two things: that the card will report your credit limit no matter how low it is and that the card will not show up as a secured credit card on your credit report.
Getting a card that reports the credit limit is very important. This is due to the way that credit scores are calculated. In order to score well, your debt ratio on revolving accounts should be less than 25%. This means that a card with a $1000 credit limit should carry a balance of $250 or less. If your secured card does not report the credit limit, credit reporting agencies will use the total amount charged as the credit limit. This will make it seem like your debt ratio is 100%.
It is also extremely important to make sure that your card will look like any other major credit card on your credit report and not look like a secured credit card. If your credit card company reports your card as secured, your credit score will be negatively impacted.
Getting your first credit card can seem impossible, but it is not. If you go about it the right way and apply for the right types of cards, you will be approved before you know it.

Building Credit from Scratch: Your First Credit Card is a post from: Aid Credit

Apply Online | Pet Rewards? Visa

admin — Mon, 22 Feb 2010 05:48:42 +0000

Your pets picture can now be uploaded and featured on the Pet Rewards Visa Credit Card issued by Bank of America. (www.petcreditcardrewards.com ). This rewards credit card is scoring big with pet lovers and credit card consumers across the country. Like many department stores, universities and airlines have done for decades, pet owners can now customize their credit cards to display their beloved pets. These pet oriented rewards credit cards are proving to be a home run in the credit card industry.

Features offered by the Pet Rewards Visa Credit Card from Bank of America include:

500 bonus points after your first purchase.

1 point for every dollar you spend on everyday purchases

Earn points toward veterinary services, pet food discount certificates, and shelter donations

Earn two PetRewards Points for each dollar you spend at participating veterinary clinics, pet food retailers, farm and feed stores, and neighborhood pet specialty stores

Rewards begin at just 750 points

Mini Card available

*See website for complete terms and conditions of card usage and application disclosure.

During a period of economic instability, uncertainty in the stock market, illiquidity in the credit markets and the softening real estate market, one thing remains constant pet lovers are crazy about their pets. Generally, pets give their owners the most loyal and unconditional love they could ever ask for. With the Pet Rewards Visa Credit Card, pet owners can be reminded of their favorite dog, cat or other pet every time they take out their wallets. Real pet lovers carry this card with pride. Visit www.petcreditcardrewards.com to complete the credit card application online in a few short minutes.

http://www.articlesbase.com/pets-articles/pet-credit-cards-valuable-rewards-for-dogs-cats-611942.html

Apply Online | Pet Rewards? Visa is a post from: Aid Credit

Apply Online | Pet Rewards™ Visa® Credit Card From Bank of America®

admin — Sat, 23 Jan 2010 02:46:54 +0000

Apply Online | Pet Rewards Visa Credit Card From Bank of America is a post from: Aid Credit

Chicago Cubs Team Logo Credit Card From Bank of America

admin — Thu, 21 Jan 2010 22:02:41 +0000

Bank of America and Major League Baseball hit a home run in the credit card industry. Like many schools, airlines, and retail stores have done for decades, major league baseball teams, including the Chicago Cubs, are now being featured on consumer credit cards. These team logo credit cards are rapidly growing in popularity and proving to be a hit with baseball fans across the country.

The Major League Baseball Extra Bases Credit Card from Bank of America boasts no annual fee and a 0% introductory Annual Percentage Rate (APR) on balance transfers and cash advance checks for the first 12 billing cycles. As incentives to gain customer share in the extraordinarily competitive credit card market, the baseball credit card also offers an official MLB licensed jersey after the first qualifying transaction using the card. In addition to the no annual fee and 0% introductory APR, the card offers a point based incentive system whereby card holders earn 1 point for every net retail dollar spent redeemable for MLB autographed memorabilia, coveted MLB life experiences, travel and cash rewards.

A review of the landscape makes clear that every major league baseball team can be represented on a credit card. For example, websites like www.cubscreditcard.com , www.whitesoxcreditcard.com, and www.dodgerscreditcard.com, each offer the same Major League Baseball Extra Bases Credit online application.

Historically, baseball has given the public something to believe in and something to hope for, particularly in tough economic times. With this credit card, consumers can be reminded of their favorite team every time they open their wallets.

Chicago Cubs Team Logo Credit Card From Bank of America is a post from: Aid Credit