Tag Archive: Apply

Greenleaf Loans, Cash Before Payday Loans, apply for credit.#Apply #for #credit

Safe and Secure Green Leaf Loans Online

Greenleaf Loans offers a safe and secure way to get a cash loan. We provide tax loans, installment loans, 1 hour loans, line of credit loans, cash advance loans, fast cash loans, no fax loans, online loans, and short term loans. At Greenleaf Loans, we understand that financial problems can occur unexpectedly in everyday life. We can help you get the cash you need by getting your the loan that meets your needs today. Our secure online loan application only takes a few short minutes and you’ll receive an approval notification within 90 seconds of submitting the loan application.

Get fast financial help

Our simple loan solutions help the average individual. We specialize in several financial services and solutions to help the borrower pay everything from bills to unexpected financial emergencies. We understand that life “happens,” and at Greenleaf Loans, we want to help.

Our online system can provide you with a loan offer in just 90 seconds. Once approved, our select group of direct lenders can provide cash into your bank account within 1 business day. For a slightly larger fee, our 1 hour direct lenders are able to provide you with cash in as little as one hour. At Greenleaf Loans, we offer alternatives to bank loans that have strict repayment plans.

How does it work?

First, figure out what loan will work for you. Greenleaf Loans offers a variety of loan services, depending on what you need and how quickly you plan to pay the loan back. Below, we’ve listed some of our loan services and a quick description of each loan service. Click the links to find out more.

Greenleaf 1 Hour Loans – No credit check performed. This is our fastest loan available and is perfect for those needing cash as fast as possible.

Greeleaf Cash Advance Loans – Also known as a Cash Before Payday Loan is a cash advance in anticipation of your next pay check. There is no faxing required and you can be approved for up to $1,000.

Greenleaf Installment Loans – Great for the individual who needs more time to pay back a loan and this loan may help your credit history if you have bad credit or no credit.

Greenleaf Line of Credit Loans – A line of credit is a pre-established amount of credit extended to a borrower by a lender that the borrower can draw against as needed.

Loans using our mobile application – An easy, online, mobile application, designed to making applying even easier for those that prefer to apply using their mobile phone or mobile device.

We also provide No Fax Loans, Fast Cash Loans, and Payday Loans.

Why choose Greenleaf Loans?

Greenleaf Loans is the best online retailer for your cash needs. We’ll match you with one of our private network lenders to help you with your financial needs, no matter how big or small. We can help you get approved for a loan any time, 7 days a week, 24 hours a day.

The benefits of using Greenleaf Loans

Greenleaf’s easy, fast and secure application process can ensure that the money you request is available within a shortest possible amount of time. Our lenders can have the money deposited into your account within 24 hours and some in as little as 1 hour when you select our 1 hour lender. Our direct lenders offer flexible repayment plans and a wide variety of services. These types of loans can help the average individual during financial emergencies that can occur between pay days.

Our fast and easy online loan application and online mobile application are becoming the leading method for securing fast loans. We have some of the highest approval rates and convenient repayment terms in the business.

Greenleaf Cash Before Payday Loans can be extended up to 4 times, or more if needed. At Greenleaf Loans, we care. We will help you get the cash you need, today.

Minimum requirements needed to obtain a loan:

  • 18 years of age or older
  • US Citizen
  • An active bank account
  • Proof of employment or regular income
  • A monthly income of at least $800

Top 10 reasons why borrowers apply for a Greenleaf Cash Before Payday Loan

  1. 1. Easy application process
  2. 2. Simple qualifications
  3. 3. Approval in less than 90 seconds
  4. 4. No credit check
  5. 5. Anyone 18 years and older can apply
  6. 6. No restrictions
  7. 7. To handle any unforeseen financial emergency
  8. 8. Information is safe and secure
  9. 9. Many ways to receive your cash
  10. 10.Easy mobile application

Top 10 Reasons why borrowers need a Greenleaf Cash Before Payday Loan

  1. 1. They need the cash from their paycheck before their paycheck comes in
  2. 2. Lack of cash to pay everyday expenses like food, gas, rent, and utilities
  3. 3. Car repairs
  4. 4. Medical emergencies
  5. 5. An overdrawn checking account
  6. 6. Unexpected travel needs
  7. 7. A death in the Family
  8. 8. No credit check required
  9. 9. Maxed out Credit Cards
  10. 10.Failure to get a Bank Loan

Greenleaf Loan Services Provided

  • Safe & Secure Process
  • Quick Online Approval
  • No Credit Required!
  • Fast & Easy Cash Deposit

Apply for credit

Mulitple Lenders Await Your Request

Secure & Private Service

Greenleaf Loans is an online lender that provides safe online loans for consumers who have their paycheck deposited into a checking or savings account. You can apply right here online. We collect information about your bank account details, as well as employment details, and we keep all data confidential. We only use it to process your online cash advance loan. Your information is always safe when you apply for Greenleaf Loans Online.

What is a Cash Loan?

Cash Loans are also commonly referred to as Fast Cash Loans, Cash Advances, Cash Loan Advances and Payday Advances

Important Note: Payday advances, cash before payday advances, fast cash loans, etc are intended as a short-term financial solution. Do not enter into a cash advance agreement if you need long-term financial assistance. Please seek advice from a financial professional before entering into a short-term agreement. Cash advances are intended to help you with your immediate cash needs. Many short-term cash advance agreements require you to pay back the loan within a couple of weeks.

Limitations: If this is your first advance, many lenders will not be able to lend you the full $1,000. The amount you are approved for is dependent on the state you live in and your personal information such as proof of employment and proof of income. This service is void in Arizona, Arkansas, Georgia, Massachusetts, New York, Pennsylvania, or West Virginia, Virginia, and Ohio. Many of the states we serve will change with little or no notice. Filling out an application does not guarantee you’ll be approved for one of our services. Sometimes, faxing is required. Transfer times vary depending on your lender.

We Are Not Lenders or Brokers. We are not representatives, brokers, agents, or lenders. The operators of this website do not make lending decisions based on the information you provide. We are marketing professionals that provide lending companies with applicant’s information. The lenders will secure and service the loan for you. If you are concerned about your cash advance offer, please contact the lender. Most of the time lenders will not issue credit checks with Experian, Equifax, or Trans Union. However, some lenders may receive credit information by alternative providers. Advertising on this website does not guarantee that you will receive a loan.

No Endorsement. As written in our marketing disclosure, the operators of this site are paid for their information services they provide to lenders. They do not endorse or product advertise.





Credit Cards, Apply Online – Citibank UAE, apply for credit cards.#Apply #for #credit #cards

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SBI Card – Apply for SBI Credit Cards Online in 2 Minutes – Deal4loans, apply for credit cards.#Apply #for #credit #cards

SBI Card Apply for SBI Credit Cards Online in 2 Minutes

Apply for credit cardsApply online for SBI Credit Card: Check Eligibility ✓ Offers ✓ Application Status ✓ Fee charges ✓ Customer care ✓ Reward Points ✓ Apply Online within minutes at deal4loans.

SBI Credit Card Eligibility

1. Minimum per month Income of Rs.18500 required in Metro cities

2. Have a Bank Account in SBI, If looking for credit card on the basis of account.

3. Photo copies of ID card, income proofs and address proof should be submitted.

4. You should be an earning individual and should be above 21 year and less than 60 at the time of apply.

New Updates 07 October 2017 Get 5% cashback (Max cashback: Rs.2000) at The Chennai Mobile stores, EMI is also available Validity of the Program (“Term”) is from Oct 7th 2017 to Oct 31st 2017. Apply instantly for SBI Unnati Credit Card No Fees For First Four Years

Instant Apply for SBI Credit Cards

New Credit Cards Launched By SBI in recent time period

SBI credit card customer care

You can contact SBI Card tollfree in case of any query or feedback, card lost or stolen cases at below provided numbers of SBI Card.

From BSNL/MTNL Lines 1860 180 1290/1800 180 1290

From All Other Lines 39 02 02 02

Available SBI Credit Cards through Deal4loans.com

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SBI credit card Offers of the Month November 2017

  • Flat Rs.200 off on Voucher purchase of Rs. 2,999 for all icanstay Luxury Hotels across India ( valid on 1st Sep’17 to 28th Feb’18)
  • 5% Cashback at Reliance Digital Jio stores (Offer valid from 19 Sep – 22 Oct 2017)
  • Get 5% Cashback at Max(validity 13th Sep – 19th Oct, 2017)
  • 5% Cashback on selected Oppo Smartphones model only (Valid from 23 Sep – 25 Oct 2017)
  • Get 12% cashback on domestic flights at Goibibo. Offer also valid on EMI Transactions.

SBI credit card online payment

You can pay for sbi credit cards bills by over 12 different ways / Options– Utility bill payments, Via Paynet, Visa credit card pay, Electronic Clearing, Paycash, ATM, Locate Pay, Auto Debit, Online through SBI, Mobile Banking, NEFT etc.

SBI Credit Card Status / Application Status Online

Have you already applied for sbi card? Looking for application status? You can track your application in two ways: i) Check the status of your application via application number. ii) Retrieve application via Date of birth PAN Card number.

Application number is 10 Digits long and started from R0000******

SBI credit card statement

SBI Card statements are sent to you via bank on your e-mail ID and at your home/office address as per your choice. You can also join SBI Card Online via creating new account. In this account you get all of your card related information like Statement, Billed statement, unbilled transactions, flexipay emi options, reward points etc. you can create a account @ https://www.sbicard.com/creditcards/app/user/login

SBI credit card reward points

Redeem your earned reward points via visit (https://www.sbicard.com/en/personal/rewards.page), you can choose above 174+ products from the sbicard website or Category wise like Accessories, Apparel, Electronics, entertainment, E-voucher, health fitness, Homeware, Kids Zone,Luxury and Travel holiday.

Log in to sbicard.com to redeem your reward points for selected items from Shop-and-Smile Rewards catalogue Call the SBI Card helpline at

39 02 02 02 (prefix local STD code) or 1860 180 1290/1800 180 1290 from BSNL/MTNL

About SBI Card

SBI Cards is a joint venture between State Bank of India, country’s oldest and largest bank and GE Capital. The partnership is operated through 2 joint-venture companies – SBI Cards Payment Services Pvt. Ltd., focusing on the marketing and distribution of SBI Cards and GE Capital Business Processes Management Services Pvt. Ltd., which handles the technology and processing needs of SBI Cards. State Bank of India is currently one of the best card issuers in India with a base of over 2.7 million customers and offices in 63 cities.

SBI Card offers you a card for every need Premium Cards, Travel Shopping Cards, Classic Cards and Exclusive Cards Corporate Cards along with Value added Services, Utility Bill Payment, Card Payment Options, and Offers Rewards thereby, offering Indian consumers an extensive access to a wide range of world-class credit cards. Apply for a new SBI Credit Card now and Make Life Simple.

Latest Offers on SBI Credit Cards for Festive Season 2017

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California Housing Finance Agency, CalHFA, how can i apply for a credit card.#How #can #i #apply #for #a #credit #card

CalHFA supports the needs of renters and homebuyers

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Homebuyers

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CalHFA Homeowners

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Lenders/Realtors

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What’s New at CalHFA

  • Program Bulletin #2017-13 – Proposed Federal Tax Reform and the Uncertainty of Mortgage Credit Certificate Program
  • Press Release 2017-11-09 – CalHFA Launches New Path to Homeownership for Service Members and Veterans
  • Video – Cal-EEM + Grant helps homebuyers with $24,000 of energy upgrades
  • Press Release 2017-10-03 – CalHFA Increases Access to Manufactured Home Loans
  • Program Bulletin #2017-12 – Closing Document Revisions for MyHome Assistance Program and Extra Credit Teacher Home Purchase Program (ECTP) when combined with a CalHFA Government Insured/Guaranteed First Mortgage
  • Program Bulletin #2017-11 – CalHFA Launches New CalHFA VA Loan Program
  • Press Release 2017-09-14 – Michael Carroll is CalHFA s New Director of Multifamily Programs
  • Program Bulletin #2017-10 – Updated Sales Price Limits
  • Program Bulletin #2017-09 – Updated Income Limits for all CalHFA Conventional and FHA Loan First Mortgage Programs
  • Program Bulletin #2017-08 – Updates to Manufactured Housing Guidelines for All CalHFA FHA Loan Programs
  • Press Release 2017-07-11 – CalHFA Helps Hundreds with Free Homebuyer Education
  • Program Bulletin #2017-07 – Escrow Holdbacks Allowed and Name Change for the Notice of Conditional Approval
  • Get to know CalHFA and our programs by viewing our Video Library.
  • Enews announcements can be found on our Archived Page.

Hardship Foreclosure Assistance

  • Keep Your Home California programs are designed for homeowners who are struggling to pay their mortgages.

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  • The Home Affordable Refinance Program (HARP) is available on loans owned by Fannie Mae and Freddie Mac. If these loans were insured by the California Housing Loan Insurance Fund they may be eligible to have existing mortgage insurance transferred to a new refinance loan.

Other Information

  • How can i apply for a credit cardThe California Victims Compensation Board is available to help California victims of the October 1 shooting in Las Vegas. If you’ve lost a family member, been injured or attended the Route 91 Harvest Festival where this terrible tragedy occurred on Sunday night, CalVCB can provide financial assistance. Visit the California Victims Compensation Board website and news release for more information.
  • Public Notice: Environmental Assessment For Whittier Downey SE Apartments (300 MB)
  • Public Notice: Environmental Assessment For North San Pedro Studios
  • Public Notice: 2017 Mortgage Credit Certificate Program
  • Veterans Housing and Homelessness Prevention Program (VHHP)
  • 2014 California Affordable Housing Cost Study
  • Language Access Complaint Form /Formulario de queja de acceso por idioma

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HDFC Bank Credit Card – Apply for HDFC Credit Cards Online in 2 Minutes – Deal4loans, apply for credit card with bad credit.#Apply #for #credit #card #with #bad #credit

HDFC Bank Credit Card Apply for HDFC Credit Cards Online in 2 Minutes

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HDFC bank offers different credit cards in different segment. The bank tries to cover all segments and people of all income range. HDFC bank credit card offers unmatched convenience and benefits to its customers. You can select the right credit card to match your spending habits and lifestyle. The cards offer you rewards and discounts on shopping, online shopping and fund transfers, complimentary air tickets, cashback and much more. Go ahead and find a most suitable card to compliment your spending style.

Benefits of HDFC Bank credit cards

✔ Special Offers on E-Commerce, Online Shopping Websites

✔ Longer EMI Options available on Credit Cards

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✔ Offers cashless transactions across millions of merchant’s worldwide

✔ Best Lifestyle Benefits Airport Lounge, Golf Clubs, Free Airtickets, Free Gifts etc

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Latest HDFC Bank Credit Card Offers October 2017

Get 20% Off on bookings on all cars, across all location at any day at MYLES. Offer Expires 19th May 2018.

Flipkart EMI Offer Exclusive 3, 6, 9 12 months EasyEMI** options only on your HDFC Bank Credit Card valid till 31 Mar 2019.

Amazon EMI Offer Buy now, pay later with HDFC Bank EasyEMI**. offer Expires 31st Mar 2019

Snapdeal EMI Offer Exclusive 3, 6, 9 12 months EasyEMI** options only on your HDFC Bank Credit Card

Jabong Online Shopping Offer Flat Rs 700 Off* with Code HDFC700

Shopclues Online Shopping Offer 10% Off with Code SCHDFC300 with HDFC Bank Debit Credit Cards!





CardOneBanking: No Credit Checks, Online Banking, Prepaid Card, Basic Bank Account, apply for credit card with no credit history.#Apply #for #credit #card #with #no #credit #history

Earn cash rewards of up to 3.5% at more than 35 major high street retailers!

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Check your balance, view statements pay bills

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The CardOneBanking mobile app

Check your balance, view statements pay bills

  • Fast Balance
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  • Manage Direct Debits and Standing Orders on the go
  • Free to download from the App Store & Google Play

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Set up Direct Debits and pay your bills securely

You can now pay your regular bills with Direct Debits. Safe, simple secure.

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Apply in minutes

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Our application form is short and easy to use.

It only takes a few minutes to complete and we’ll send you your sort code and account number straight away!

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Secure Online Access

Keep tabs on your account 24/7

You can access your account online 24/7/365 using our state-of-the-art online banking facility.

Mobile Banking

Manage your account by text

If you need a balance or would like to load funds to your CardOneBanking Prepaid Debit MasterCard Card you can do it 24/7/365 simply by sending a text message.

No Credit Checks

We can help you manage your money

Your credit history is of no concern to us, in fact we like to help people who’ve had financial problems in the past.

No Charges for Unpaid Items

We won’t charge you if you can’t make a payment

CardOneBanking don’t charge you if you can’t afford to make a payment which you’ve set up. Instead we’ll notify you by text message a few days before your payment is due to be sent so that you can pay money in should you want to.

UK Call Centre

Your call is answered within seconds by one of our dedicated team

We’re extremely proud of our call centre staff.

Our call centre is based in the UK and what’s more we answer the phone, on average, in just 4 seconds!

Open To Everyone

All we ask is that you’re over 18 and a UK resident

If you’re a UK resident aged 18 or over then this account is open to you.

The CardOneBanking Mobile App

Learn more about our mobile app and download it for free here:

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How CardOneBanking Works

News about branch banking: please click here

card one banking offers an exciting online current account that is open to everybody* (subject to identification and residency, you must be at least 18 years of age and a UK resident). Even with bad credit you can get a current account opened instantly**.

We’ll help you manage your money so you can keep track of your bills. Even if you can’t pay a bill, we won’t charge you and we will text you to let you know in good time. We’ll help to ensure all your bills are paid on time. The card one banking jam-jar current account comprises of: the card one banking Billing Account for money in and also to pay your bills from, plus the card one banking Debit Mastercard which is for your every day spending.

A no credit check* account, designed with you in mind.

More About Us

Help Information

Follow us!

Keep in touch with us more often!

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*Subject to identification, residency – See terms and conditions. Cardholder must be at least 18 years of age. ***ATM charges may apply.

**This product is not covered by the Financial Services Compensation Scheme.

CardOneBanking is a trading style of Spectrum Card Services Limited (Registered in England Wales No. 6052256), which is a registered agent of Spectrum Payment Services Limited (Registered in England Wales No. 6268340) under the FCA’s Payment Services Regulations 2009. Registered Office: 3rd Floor, Vintners’ Place, 68 Upper Thames St. London. EC4V 3BJ. Spectrum Payment Services Limited is authorised by the Financial Conduct Authority under the Payment Service Regulations 2009 No. 504547 for the provision of payment services.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. The Card is issued by Wirecard Card Solutions Ltd (“WDCS”) pursuant to license by Mastercard International Inc. WDCS is authorised by the Financial Conduct Authority to conduct electronic money service activities under the Electronic Money Regulations 2011 (Ref: 900051) 2012 All rights reserved.





Pay Taxes by Credit or Debit Card, Internal Revenue Service, how to apply for a credit card with no credit.#How #to #apply #for #a #credit #card #with #no #credit

Pay Your Taxes by Debit or Credit Card

You can pay by internet, phone, or mobile device whether you e-file, paper file or are responding to a bill or notice. It’s safe and secure – the IRS uses standard service providers and business/commercial card networks, and your information is used solely to process your payment.

  • Your payment will be processed by a payment processor who will charge a processing fee.
  • The fees vary by service provider and may be tax deductible.
  • No part of the service fee goes to the IRS.
  • Your information is used solely to process your payment.

(WorldPay US, Inc.)

855-508-0159 Live Operator

1-615-942-1141 Live Operator

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1-501-748-8507 Live Operator

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877-754-4420 Live Operator

($3.95 flat fee for

payments over $1,000)

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Paying with your Debit or Credit Card? Understand that:

  • Fees differ from those in the table above when you choose the integrated IRS e-file and e-pay option. View your options.
  • Not all IRS tax forms are eligible for payment by credit or debit card, and there are limits on how often you can make individual and business payments. Visit the frequency limit table by type of tax payment for details.
  • High balance payments of $100,000+ may require coordination with your provider.
  • You usually can’t cancel payments.
  • You can’t make Federal Tax Deposits.
  • You can’t get an immediate release of a Federal Tax Lien. Refer to Publication 1468, Guidelines for Processing Notice of Federal Tax Lien Documents, for payment options.
  • This form of payment eliminates your need for a voucher.
  • Your card statement will list this payment as “United States Treasury Tax Payment.” The convenience fee paid to your provider will be listed as “Tax Payment Convenience Fee” or something similar.
    • The fee is deductible for personal tax types as a miscellaneous itemized deduction. However, only those miscellaneous expenses that exceed 2 percent of the adjusted gross income can be deducted. For more information, refer to Publication 529, Miscellaneous Deductions.
    • For business tax types, the fee is a deductible business expense.
  • If you overpaid, IRS will refund it after the return is processed, excepting offsets or debt on your account.

For more information on other electronic payment options, please visit the Payments Home Page.





Credit Cards – Apply for Best Offers Online at, apply for credit card.#Apply #for #credit #card

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Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from many credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.

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Consumers are bombarded with over a billion credit card offers each year, promising everything from cash back and zero-interest to free airfare and luxury hotel stays. How are consumers supposed to know which offers fit their needs?

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If you have excellent credit history, then the best credit card offers are yours for the taking. Earn cash back, plane tickets, hotel stays, discounts on gas, gift cards, and more – all for making the everyday purchases you’d make anyway. Credit-Land.com will help you pick the card that gives you rewards you can use and make your card work for you. Make your money go further and get awesome rewards when you find the perfect credit card for your excellent credit history.

Low interest rates, zero-percent balance transfers, zero-percent on purchases, and credit cards with no annual fee – whatever promotional offer you’re looking for, find it at Credit-Land.com. We have access to the newest and best offers from major credit card issuers, and your good credit history puts you a step ahead of the game when it comes to getting approved for these great money-saving offers.

FOR PEOPLE WITH LIMITED CREDIT HISTORY

If your credit falls into the fair or limited category, you may think that good credit card offers are out of reach for you. While it’s true that the very best offers won’t be available, our experts can show you cards that can help you take advantage of the best offers for fair or limited credit. A prepaid card or a credit card for fair credit may be the best option for you while you work on repairing your credit, as long as you make on time payments to all creditors and keep balances low relative to the credit limit. We’ll show you which card fits your needs.

Got bad credit, or no credit at all? Don’t despair. We can help you find a card to help you establish or rebuild your credit and reach your financial goals. You may rebuild your credit history by making payments to all your creditors on time and keeping account balances low relative to the credit limit. Whether you’re looking for a student card, a secured card, or a guaranteed or instant approval card, we have an offer that will work for you.

FREQUENTLY ASKED QUESTIONS

With a decade of experience in credit cards, Credit-Land.com experts are equipped to answer any question you may have. We’ve categorized and published selected responses for your education in our FAQ archive. Need an answer about credit cards? Submit your question today.

A cash back credit card is a card that offers a cash back reward program as an incentive. Essentially, it means that the percentage of the amount spent on purchases is returned to you. This.

There are a lot of services with Mastercard sign in. You can use all of them or just those that suit your lifestyle. Below you will find some of the services you can use as a Mastercard cardholder.

Unfortunately, you can’t earn rewards with this credit card. It doesn’t have any rewards program. It is only applicable for getting credit on purchases at Big Lots. However, if you do want to earn.

There are a lot of rewards credit cards with low interest rates that allow you to earn rewards on purchases, including GameStop purchases. You can choose to earn cash back, bonus points or miles.

The type of card that is best for an individual depends on someone’s spending habits and their overall level of responsibility when it comes to making monthly payments. If you are someone who.

To put it lightly, we wouldn’t recommend you to ever get a Sears credit card, not to mention any other store credit cards. Sears offers discounts or special financing for a short period. However.

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Our Experts will be happy to answer all your questions!

* See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Now” button you can review the credit card terms and conditions on the credit card issuer’s web site. Information in these articles is brought to you by www.Credit-Land.com. Banks, issuers, and credit card companies mentioned in the articles do not endorse or guarantee, and are not responsible for, the contents of the articles.

* The Credit-Land.com webpage is a free service and an information resource for credit cards and financial products and services available to eligible United States consumers. Credit-Land.com does not offer any warranties and is not a direct service. There are no guarantees for approval or offers when applying for a credit card. Please refer to the application if you would like more information on each credit card. When you click “Apply” for a particular credit card, please take the time to review the terms and conditions of the product/service at the issuer’s website. All logos on the Credit-Land.com website are property of their respective owners.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer. Opinions expressed here are the author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. Reasonable efforts are made to present accurate info, however all info is presented without warranty. Consult a card’s issuing bank for terms & conditions.





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Consumers are bombarded with over a billion credit card offers each year, promising everything from cash back and zero-interest to free airfare and luxury hotel stays. How are consumers supposed to know which offers fit their needs?

Capital One, Citibank, Discover Card, Barclaycard – you know the names, but do you know the difference? All of them want you to carry their cards, and all of them have great-sounding offers, so how to choose?

Credit card companies want your business, so they advertise their best features – CASH BACK, FREE FLIGHTS, SIGN-UP BONUS, ZERO-PERCENT INTEREST – but they may not be so forthcoming about the full terms and conditions. Consumers may not consider the long-term cost of a credit card when they are tempted with instant gratification and freebies galore.

That’s where Credit-Land.com comes in. Our group of finance experts sort through all the offers so you don’t have to read terms and conditions and stay on the lookout for the best new deals we feature, biggest bonuses, lowest interest rates, and news you need to know. We’ll tell you which offers are too good to pass up and which may not be as good as they sound – and we’ll tell you why.

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COMPARE CREDIT OFFERS

FOR PEOPLE WITH PERFECT CREDIT HISTORY

If you have excellent credit history, then the best credit card offers are yours for the taking. Earn cash back, plane tickets, hotel stays, discounts on gas, gift cards, and more – all for making the everyday purchases you’d make anyway. Credit-Land.com will help you pick the card that gives you rewards you can use and make your card work for you. Make your money go further and get awesome rewards when you find the perfect credit card for your excellent credit history.

Low interest rates, zero-percent balance transfers, zero-percent on purchases, and credit cards with no annual fee – whatever promotional offer you’re looking for, find it at Credit-Land.com. We have access to the newest and best offers from major credit card issuers, and your good credit history puts you a step ahead of the game when it comes to getting approved for these great money-saving offers.

FOR PEOPLE WITH LIMITED CREDIT HISTORY

If your credit falls into the fair or limited category, you may think that good credit card offers are out of reach for you. While it’s true that the very best offers won’t be available, our experts can show you cards that can help you take advantage of the best offers for fair or limited credit. A prepaid card or a credit card for fair credit may be the best option for you while you work on repairing your credit, as long as you make on time payments to all creditors and keep balances low relative to the credit limit. We’ll show you which card fits your needs.

Got bad credit, or no credit at all? Don’t despair. We can help you find a card to help you establish or rebuild your credit and reach your financial goals. You may rebuild your credit history by making payments to all your creditors on time and keeping account balances low relative to the credit limit. Whether you’re looking for a student card, a secured card, or a guaranteed or instant approval card, we have an offer that will work for you.

FREQUENTLY ASKED QUESTIONS

With a decade of experience in credit cards, Credit-Land.com experts are equipped to answer any question you may have. We’ve categorized and published selected responses for your education in our FAQ archive. Need an answer about credit cards? Submit your question today.

A cash back credit card is a card that offers a cash back reward program as an incentive. Essentially, it means that the percentage of the amount spent on purchases is returned to you. This.

There are a lot of services with Mastercard sign in. You can use all of them or just those that suit your lifestyle. Below you will find some of the services you can use as a Mastercard cardholder.

Unfortunately, you can’t earn rewards with this credit card. It doesn’t have any rewards program. It is only applicable for getting credit on purchases at Big Lots. However, if you do want to earn.

There are a lot of rewards credit cards with low interest rates that allow you to earn rewards on purchases, including GameStop purchases. You can choose to earn cash back, bonus points or miles.

The type of card that is best for an individual depends on someone’s spending habits and their overall level of responsibility when it comes to making monthly payments. If you are someone who.

To put it lightly, we wouldn’t recommend you to ever get a Sears credit card, not to mention any other store credit cards. Sears offers discounts or special financing for a short period. However.

Apply for credit card online

Our Experts will be happy to answer all your questions!

* See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Now” button you can review the credit card terms and conditions on the credit card issuer’s web site. Information in these articles is brought to you by www.Credit-Land.com. Banks, issuers, and credit card companies mentioned in the articles do not endorse or guarantee, and are not responsible for, the contents of the articles.

* The Credit-Land.com webpage is a free service and an information resource for credit cards and financial products and services available to eligible United States consumers. Credit-Land.com does not offer any warranties and is not a direct service. There are no guarantees for approval or offers when applying for a credit card. Please refer to the application if you would like more information on each credit card. When you click “Apply” for a particular credit card, please take the time to review the terms and conditions of the product/service at the issuer’s website. All logos on the Credit-Land.com website are property of their respective owners.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer. Opinions expressed here are the author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. Reasonable efforts are made to present accurate info, however all info is presented without warranty. Consult a card’s issuing bank for terms & conditions.





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When looking to get a credit card, there are a variety of things you should consider. If you want a rewards card to use frequently, you might not mind paying a $100 or $200 annual fee. You should also consider the regular APR (as opposed to the introductory rate) and the interest rate. A good interest rate is dependent on how you will use the card. For example, a 20% interest rate is fine if you plan on paying off the balance every month.

It pays to ask these kinds of questions before you fill out the application form. Here are 9 questions you want answered before you sign on the dotted line.

The “very first question” the consumer should ask is, “Why am I applying for this card? Why do I need this card?” says Bruce McClary, media director for ClearPoint Credit Counseling Solutions, a nonprofit affiliated with the National Foundation for Credit Counseling

Some positive reasons: The card has low or no fees, a lower interest rate or offers a rewards program that suits your spending habits. “It has to make sense, and it has to fit into your overall lifestyle,” McClary says.

Do you pay off your credit card balances every month? If so, “you don’t care what the interest rate is because you won’t pay any,” says Ric Edelman, author of “The Truth About Money.” “But you care about the (annual) fee,” he says.

If you run a balance, you want the lowest rate you can get, even if that comes with an annual fee.

One clue to your usage: “Look at your past history,” says Edelman. “Because what you’ve done before is what you will be doing.”

If you’re shopping for a card, chances are you’re comparing card terms. But if an issuer sends you an offer, it’s tempting to apply and see what you get.

“It’s really difficult to pick one (in isolation),” says Kelly Rogers, chief development officer for the Consumer Credit Counseling Service of Orange County and adjunct faculty at Chapman University. “If someone just shows you one car, how do you know if it’s the right car for you?”

Her advice: Do a side-by-side comparison of several different cards before you apply.

Don’t be afraid to plug the card name, “complaints” and “customer service” into your favorite search engine. “I go through and see who has the least amount of complaints and issues,” says Rogers.

Some cards will give you a range of rates you could get, but often that window is pretty wide, says Nick Bourke, director of the Safe Credit Card Project at The Pew Charitable Trusts. Other cards may offer a specific rate (or terms) and either approve or reject you.

If you’re operating totally in the dark, you have another option: Apply by phone and push for an answer on your rate and credit line before the account is opened.

While there are no guarantees, sometimes you can get an answer, says Bourke.

“I’ve actually done this myself,” he says, admitting “you do have to go pretty far in the process.”

You may have to ask for the department that’s actually evaluating your application to get an answer, he says.

“The thing that you want to do is when you’re talking to the person on the phone taking your application is you want to push them as hard as you can to get your APR and credit line,” Bourke says. Then, once you have the information and before the account is opened in your name, “you can say yes or no at that point,” he says.

According to the Credit Card Accountability, Responsibility and Disclosure Act of 2009, if a card offers a lower interest rate during an introductory period, the promotional rate has to last at least six months. While that introductory offer may be appealing, the regular rate is what you’re really buying.

So find out when the introductory APR expires and what the new rate will be. You can find this information online in the terms and conditions for the card or you can ask a service representative.

Another smart question: How long is that grace period? “Some cards start charging interest immediately,” says Edelman. A card can have different grace periods for balance transfers and cash advances than it does for purchases.

You can find information about the grace period in the credit card offer, thanks to federal rules that took effect in 2010. Look for a summary table of rate and fee disclosures, which will include a statement that explains how to avoid paying interest.

If you’re getting the card for points or rewards, this is one you definitely need to ask, says Josh Frank, senior researcher with the Center for Responsible Lending. Some issuers will revoke rewards if you’re late with a payment by even one day, he says.

“A lot of times, the answer they will give you is that they can take away or reduce your rewards for any reason,” he says. While that’s true, the issuer will have a policy on revoking or reducing points, and that’s what you want to ask about, he says. Under what specific circumstances would they reduce or eliminate a customer’s points?

In most cases, “this is one the customer service agent should know the answer to,” he says.

Some card issuers use your purchase records to assess your ongoing creditworthiness.

That means if you suddenly use your card to purchase retread tires, pay for a session with a marriage counselor or make a purchase at a market on a sketchy side of town, you could see your APR climb or your credit limit fall, says Frank. If you see this practice as an invasion of privacy, ask beforehand if the issuer does this, he says.

How to phrase it: Can my transactions ever be used in rating my credit risk?

And that’s one question the customer service representative “might not know the answer to,” says Frank. “You might want to ask them to transfer you to the credit department manager.”

If you are guaranteeing a card account by co-signing for a college student, ask if you will be on the hook for the debt after the other party turns 21, says Chi Chi Wu, staff attorney for the National Consumer Law Center.

Many times, “there is nothing to prevent the issuers from saying you’re going to be guaranteeing this card 15 years from now — long after junior is out of college,” she says.

In addition, find out exactly what has to be done to get you off the account. Are you free to complete those steps yourself? Or will you need the cooperation of someone who might not want you — and those charging privileges — to go away?

Federal regulations limit your liability for unauthorized credit card charges to $50 if you report it within two business days. The longer you wait, the more you may lose. Many issuers cap losses at zero dollars, provided you follow a few rules. So find out how the card would handle charges you didn’t make, says McClary.

Also, does the issuer monitor usage and shut down the card if it sees out-of-the-ordinary charges or spending locations? That feature can be great if you always use the card for the same types of purchases in the same geographic area, but cumbersome if you’re getting the card for travel.

While it sounds counterproductive, you want to ask some detailed questions on how the issuer will treat you if you run into financial problems, says McClary.

Will you lose points or benefits? Will you be hit with late fees or a penalty rate? Ask what those penalties are or look online at the terms and conditions for the card.

Some issuers have programs to slash interest temporarily for customers who get behind, he says. Others don’t. So find out ahead of time what kind of programs the issuer offers that will help you rehabilitate your account and restore your original terms, McClary says.

Ask about the “worst case scenario,” he says. “When do they consider an account to be charged off? And when do they send an account to a collection agency?”

“It may be a little tough to get a hold of that information because it might not be readily available at the customer service level,” says McClary. “You may have to punch it up a level.”





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CardOneBanking is a trading style of Spectrum Card Services Limited (Registered in England Wales No. 6052256), which is a registered agent of Spectrum Payment Services Limited (Registered in England Wales No. 6268340) under the FCA’s Payment Services Regulations 2009. Registered Office: 3rd Floor, Vintners’ Place, 68 Upper Thames St. London. EC4V 3BJ. Spectrum Payment Services Limited is authorised by the Financial Conduct Authority under the Payment Service Regulations 2009 No. 504547 for the provision of payment services.

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*To qualify for this offer you must apply and be approved for a consumer Walmart Credit Card account online at Walmart.com and make a qualifying purchase on Walmart.com the same day you open your account (excluding cash advances, gift card sales, money orders, and gas purchases). Purchase must be made with your new Walmart Credit Card account. Applicants who do not receive a credit decision the day they apply but are later approved will receive a comparable offer certificate in their credit card package. Regular credit terms apply. A credit to the account will appear within 1-2 billing periods after the qualifying purchase is made. Offer is valid for newly opened accounts only and each account is eligible for only one $35 offer. Offer valid through December 31, 2017.

Special Financing and account opening purchases receiving a discount do not earn Rewards.

† Walmart Credit Cardholders are eligible to earn rewards on purchases made with their Walmart Credit Card account. Rewards apply to net card purchases (purchases minus returns and adjustments). Rewards percentages depend on the type of purchase made; 3% for Walmart.com purchases (includes Walmart Pickup and Site to Store purchases); 2% for gas purchases at Walmart fuel stations and Murphy USA gas stations; and 1% on all other purchases wherever the Walmart Credit Card and Walmart MasterCard are accepted. Statement credits will be issued monthly for Rewards earned on purchases posted within that month. If your account is past due, you will not receive a statement credit until it is brought current. Cash advances, quick cash advances, fees, and interest charges do not qualify for Rewards. All rewards are provided by Synchrony Bank. See the “Walmart® Credit Card and Walmart® MasterCard® Rewards Program” terms for details.

** The bonus cash back Rewards will appear on your billing statement in the Rewards from Special offer section. Subject to credit approval. Exclusions apply. See the Walmart Credit Card and Walmart Mastercard Rewards Program terms for details.





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Using Smart Search makes you less likely to be one of the millions of people who get declined for credit cards every year. Smart Search shows you which cards you’re most likely to be accepted for, so you can avoid the ones that are more likely to decline you. Getting declined can damage your credit score, and this makes it harder to borrow money in the future.

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It’s hard to imagine life without a credit card as these days you can use them almost anywhere, anytime. Perhaps you want to splash out in the sales, treat your family to a holiday or maybe indulge in some online shopping. There’s no doubt that credit cards can be a quick and easy way to pay for a wide range of goods and services. Plus, you can spread the cost over several months, allowing you to budget. But picking the right credit card can be confusing as there are so many different deals on the market. Our guide explains how credit cards work – and how to select the right card for you.

What is a credit card?

A credit card is basically a loan, but if you clear your balance in full when you receive your monthly statement, the loan is interest free. If you can’t afford to pay off the outstanding debt, you can make monthly payments, but you will normally be charged interest. The rates vary, but 19% is typical.

Credit card comparison

When using our credit card comparison tool, decide what you are going to use the card for. You can choose between balance transfer cards, purchase cards, money transfer cards, cards that reward your spending and cards to use abroad

  • 0% purchase cards: enable you to buy items upfront, while paying off the amount you’ve spent over a stated period without incurring any interest charges.
  • Balance transfer cards: enable you to transfer an existing credit card balance to a new card that charges less interest.
  • Reward cards: – these cards offer cashback or loyalty points.

If you want to use a card for shopping, there’s little point in applying for a 0% balance transfer rate. Shoppers should search for a deal that offers a low rate on purchases. Some cards, for example, charge 0% on purchases for a number of months, and they can be a cost effective way to pay for a big ticket item, such as a washing machine or sofa. If you clear the debt before the 0% deal expires, you will pay no interest whatsoever.

Low rate cards are better suited to people who are not able to pay their balance in full each month. There is no introductory interest rate offer. Instead, you will pay a relatively low rate of interest for as long as it takes to clear your debt.

People who have run up debts on another card or cards at a high rate of interest can save money with a balance transfer deal. Let’s say you have accumulated debts of £3000 on a card that charges interest at 19%. If you switch the outstanding balance to a card that charges 0% interest for 24 months, you can instantly cut the cost of your debt.

Reward cards are ideal if you pay off your balance every month as the interest rate is irrelevant. You can therefore look out for a card that offers cashback or loyalty points.

There are also various deals available for people who take their credit card abroad and for those who have a poor credit history.

Pros and cons of credit cards

Credit cards can be a great way to pay for goods and services without having to stump up the money upfront. You can even use your credit card like an interest-free loan, allowing you to borrow money for free. You also get some protection under the Consumer Credit Act if you buy something with a credit card.

But let’s not forget that it’s easy to run up expensive debts with a credit card, especially if you pay off only the minimum balance each month. You can also get into financial difficulty if you don’t stick to the rules. For example, most companies charge a penalty if you miss a payment, make a late payment or breach your credit limit. Bear in mind, too, that most issuers reserve their best deals for people with a spotless credit record, so your application could be turned down.

Find the right credit card

The best credit card for you depends on whether you will pay off your balance each month and how you intend to use the card. Smart Search will ask you a selection of questions to help determine which type of credit card best suits your needs, without leaving a mark on your credit file.

There are hundreds of different credit card deals but you can compare all the leading offers quickly and easily with Moneysupermarket’s online service. So, whether you want to switch a balance or you are looking for a 0% deal on purchases, we have all the information you need at the click of a mouse.

Moneysupermarket is a credit broker – this means we’ll show you products offered by lenders. We never take a fee from customers for this broking service. Instead we are usually paid a fee by the lenders – though the size of that payment doesn’t affect how we show products to customers.

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card one banking offers an exciting online current account that is open to everybody* (subject to identification and residency, you must be at least 18 years of age and a UK resident). Even with bad credit you can get a current account opened instantly**.

We’ll help you manage your money so you can keep track of your bills. Even if you can’t pay a bill, we won’t charge you and we will text you to let you know in good time. We’ll help to ensure all your bills are paid on time. The card one banking jam-jar current account comprises of: the card one banking Billing Account for money in and also to pay your bills from, plus the card one banking Debit Mastercard which is for your every day spending.

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*Subject to identification, residency – See terms and conditions. Cardholder must be at least 18 years of age. ***ATM charges may apply.

**This product is not covered by the Financial Services Compensation Scheme.

CardOneBanking is a trading style of Spectrum Card Services Limited (Registered in England Wales No. 6052256), which is a registered agent of Spectrum Payment Services Limited (Registered in England Wales No. 6268340) under the FCA’s Payment Services Regulations 2009. Registered Office: 3rd Floor, Vintners’ Place, 68 Upper Thames St. London. EC4V 3BJ. Spectrum Payment Services Limited is authorised by the Financial Conduct Authority under the Payment Service Regulations 2009 No. 504547 for the provision of payment services.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. The Card is issued by Wirecard Card Solutions Ltd (“WDCS”) pursuant to license by Mastercard International Inc. WDCS is authorised by the Financial Conduct Authority to conduct electronic money service activities under the Electronic Money Regulations 2011 (Ref: 900051) 2012 All rights reserved.





CardOneBanking: No Credit Checks, Online Banking, Prepaid Card, Basic Bank Account, apply credit card online.#Apply #credit #card #online

Earn cash rewards of up to 3.5% at more than 35 major high street retailers!

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  • View statements
  • Manage Direct Debits and Standing Orders on the go

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The CardOneBanking mobile app

Check your balance, view statements pay bills

  • Fast Balance
  • Free notifications
  • Load your card
  • View statements
  • Manage Direct Debits and Standing Orders on the go
  • Free to download from the App Store & Google Play

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Set up Direct Debits and pay your bills securely

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Manage your account by text

If you need a balance or would like to load funds to your CardOneBanking Prepaid Debit MasterCard Card you can do it 24/7/365 simply by sending a text message.

No Credit Checks

We can help you manage your money

Your credit history is of no concern to us, in fact we like to help people who’ve had financial problems in the past.

No Charges for Unpaid Items

We won’t charge you if you can’t make a payment

CardOneBanking don’t charge you if you can’t afford to make a payment which you’ve set up. Instead we’ll notify you by text message a few days before your payment is due to be sent so that you can pay money in should you want to.

UK Call Centre

Your call is answered within seconds by one of our dedicated team

We’re extremely proud of our call centre staff.

Our call centre is based in the UK and what’s more we answer the phone, on average, in just 4 seconds!

Open To Everyone

All we ask is that you’re over 18 and a UK resident

If you’re a UK resident aged 18 or over then this account is open to you.

The CardOneBanking Mobile App

Learn more about our mobile app and download it for free here:

Apply credit card online Apply credit card online

How CardOneBanking Works

News about branch banking: please click here

card one banking offers an exciting online current account that is open to everybody* (subject to identification and residency, you must be at least 18 years of age and a UK resident). Even with bad credit you can get a current account opened instantly**.

We’ll help you manage your money so you can keep track of your bills. Even if you can’t pay a bill, we won’t charge you and we will text you to let you know in good time. We’ll help to ensure all your bills are paid on time. The card one banking jam-jar current account comprises of: the card one banking Billing Account for money in and also to pay your bills from, plus the card one banking Debit Mastercard which is for your every day spending.

A no credit check* account, designed with you in mind.

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Help Information

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*Subject to identification, residency – See terms and conditions. Cardholder must be at least 18 years of age. ***ATM charges may apply.

**This product is not covered by the Financial Services Compensation Scheme.

CardOneBanking is a trading style of Spectrum Card Services Limited (Registered in England Wales No. 6052256), which is a registered agent of Spectrum Payment Services Limited (Registered in England Wales No. 6268340) under the FCA’s Payment Services Regulations 2009. Registered Office: 3rd Floor, Vintners’ Place, 68 Upper Thames St. London. EC4V 3BJ. Spectrum Payment Services Limited is authorised by the Financial Conduct Authority under the Payment Service Regulations 2009 No. 504547 for the provision of payment services.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. The Card is issued by Wirecard Card Solutions Ltd (“WDCS”) pursuant to license by Mastercard International Inc. WDCS is authorised by the Financial Conduct Authority to conduct electronic money service activities under the Electronic Money Regulations 2011 (Ref: 900051) 2012 All rights reserved.





Apply for a work permit, apply for credit.#Apply #for #credit

Apply for a work permit

Follow these steps to apply for a work permit.

1. Determine if you will apply online or on paper

Apply online

  • access to a scanner or camera to make electronic copies of your documents to upload, and
  • a valid credit card to pay with.

Note: If you provide an email address on your application, please check your email account often for automated emails from us regarding your case. Some spam filters block these emails. Make sure that our emails are not blocked. If you’re not sure whether our emails are being sent, please check your account often.

Apply on paper

Follow steps 2 to 5 below.

Note for IEC and Global Skills Strategy applicants: If you re an applicant under the International Experience Canada program or eligible for two-week processing through the Global Skills Strategy, you can only submit your work permit application online.

2. Get the right documents

The specific documents you’ll need depend on the type of work permit you are applying for.

You will also need proof that you meet the requirements of the job, such as:

If the type of work permit you will be applying for is an open work permit, you will not need to include documents or other information from an employer in your application.

Employer-specific work permit

If your employer needs a Labour Market Impact Assessment (LMIA) you need to provide:

If your employer doesn’t need a Labour Market Impact Assessment (LMIA) you need to provide:

  • the offer of employment number (ex A1234567) your employer got when they submitted the offer of employment through the Employer Portal
  • the job offer

Open work permit

You don’t need to include documents or information from an employer with your open work permit application.

3. Get the application package

The instruction guides have instructions on how to fill out the application. They also tell you which documents you’ll need to submit to get your work permit.

There are different guides and forms to apply for a work permit, depending on where you apply from:

Find out the requirements for where to apply in order to choose the best option for you.

Global Skills Strategy applicants: If you want to benefit from two-week processing you must apply from outside of Canada.

Passport and entry into Canada

To work in Canada, you must meet the requirements for a work permit. You may also need an Electronic Travel Authorization (eTA) or a visitor visa, depending on your nationality. The eTA or visa will be issued at the same time as your work permit. You do not need to make a separate application or pay an additional fee.

4. Pay the application fees

In many countries, you can pay the fee in the local currency. You can find more information about the payment methods available to you by using the pay your fees tool.

Please note that if you apply on paper at a VAC, you will have to pay the VAC service fees. These fees are not included in your IRCC application fees.

In rare cases, some workers may be fee exempt.

5. Submit your application

Note: Families should send their applications in one package to the location where the principal applicant will be processed (based on their type of application).

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“I was totally stressed about applying to college, but the Common App made it really simple by letting me fill out one application for almost all of the colleges on my list. It also told me when requirements were due so that I never missed a deadline.”

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Common App Members Awarded More Than $55 Million in Need-Based College Application Fee Waivers in 2016-2017

In its fifth year of offering a streamlined, one-step application fee waiver, The Common Application helped students obtain nearly one million fee waivers totaling $55 million.





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Why should I use Smart Search

Using Smart Search makes you less likely to be one of the millions of people who get declined for credit cards every year. Smart Search shows you which cards you’re most likely to be accepted for, so you can avoid the ones that are more likely to decline you. Getting declined can damage your credit score, and this makes it harder to borrow money in the future.

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Credit cards come in all shapes sizes, finding one that suits you can make a world of difference to your pocket.

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A credit card can be a useful addition to any wallet, purse or pocket. Find out what type of card will suit you best.

What is a balance transfer

Find out more about how balance transfer credit cards work and what s available.

Guide to credit card protection

What is a good credit score

A guide to student credit cards

What is a credit card

The advantages and disadvantages of credit cards

Will I be accepted for a credit card

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Can’t find what you’re looking for? Try looking at our news, views and in-depth credit cards guides

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Frequently asked questions

It’s hard to imagine life without a credit card as these days you can use them almost anywhere, anytime. Perhaps you want to splash out in the sales, treat your family to a holiday or maybe indulge in some online shopping. There’s no doubt that credit cards can be a quick and easy way to pay for a wide range of goods and services. Plus, you can spread the cost over several months, allowing you to budget. But picking the right credit card can be confusing as there are so many different deals on the market. Our guide explains how credit cards work – and how to select the right card for you.

What is a credit card?

A credit card is basically a loan, but if you clear your balance in full when you receive your monthly statement, the loan is interest free. If you can’t afford to pay off the outstanding debt, you can make monthly payments, but you will normally be charged interest. The rates vary, but 19% is typical.

Credit card comparison

When using our credit card comparison tool, decide what you are going to use the card for. You can choose between balance transfer cards, purchase cards, money transfer cards, cards that reward your spending and cards to use abroad

  • 0% purchase cards: enable you to buy items upfront, while paying off the amount you’ve spent over a stated period without incurring any interest charges.
  • Balance transfer cards: enable you to transfer an existing credit card balance to a new card that charges less interest.
  • Reward cards: – these cards offer cashback or loyalty points.

If you want to use a card for shopping, there’s little point in applying for a 0% balance transfer rate. Shoppers should search for a deal that offers a low rate on purchases. Some cards, for example, charge 0% on purchases for a number of months, and they can be a cost effective way to pay for a big ticket item, such as a washing machine or sofa. If you clear the debt before the 0% deal expires, you will pay no interest whatsoever.

Low rate cards are better suited to people who are not able to pay their balance in full each month. There is no introductory interest rate offer. Instead, you will pay a relatively low rate of interest for as long as it takes to clear your debt.

People who have run up debts on another card or cards at a high rate of interest can save money with a balance transfer deal. Let’s say you have accumulated debts of £3000 on a card that charges interest at 19%. If you switch the outstanding balance to a card that charges 0% interest for 24 months, you can instantly cut the cost of your debt.

Reward cards are ideal if you pay off your balance every month as the interest rate is irrelevant. You can therefore look out for a card that offers cashback or loyalty points.

There are also various deals available for people who take their credit card abroad and for those who have a poor credit history.

Pros and cons of credit cards

Credit cards can be a great way to pay for goods and services without having to stump up the money upfront. You can even use your credit card like an interest-free loan, allowing you to borrow money for free. You also get some protection under the Consumer Credit Act if you buy something with a credit card.

But let’s not forget that it’s easy to run up expensive debts with a credit card, especially if you pay off only the minimum balance each month. You can also get into financial difficulty if you don’t stick to the rules. For example, most companies charge a penalty if you miss a payment, make a late payment or breach your credit limit. Bear in mind, too, that most issuers reserve their best deals for people with a spotless credit record, so your application could be turned down.

Find the right credit card

The best credit card for you depends on whether you will pay off your balance each month and how you intend to use the card. Smart Search will ask you a selection of questions to help determine which type of credit card best suits your needs, without leaving a mark on your credit file.

There are hundreds of different credit card deals but you can compare all the leading offers quickly and easily with Moneysupermarket’s online service. So, whether you want to switch a balance or you are looking for a 0% deal on purchases, we have all the information you need at the click of a mouse.

Moneysupermarket is a credit broker – this means we’ll show you products offered by lenders. We never take a fee from customers for this broking service. Instead we are usually paid a fee by the lenders – though the size of that payment doesn’t affect how we show products to customers.

Apply for a credit card





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All RCBC Bankard Credit Cards

Select up to 3 cards to compare by clicking the Compare iconApply for credit cards. This will help you find the right RCBC Bankard credit card for you.

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Classic Card

For the young professional enjoying financial independence.

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Gold Card

For those moving up the ladder of success.

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Diamond Card Platinum Mastercard

The only bona fide Platinum card for those who give importance to career, family, community

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Black Card Platinum Mastercard

The highly prestigious card for highly career-oriented individuals who seek the finer aspects of life.

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Visa Infinite Card

The premium lifestyle card that offers infinite joy in shopping in international destinations.

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World Mastercard

The ideal card for the highly-esteemed clients.

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UnionPay Card

The ideal card for frequent travelers to China.

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Corporate Card

Simplify your business expense management.

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Landmark Anson’s Mastercard

The breakthrough card that combines the benefits of a loyalty card, discount card, and credit card ALL-IN-ONE.

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Wilcon Mastercard

Helps you build your dream house, protect your home or do the makeovers you have long wanted to undertake.

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LJC Mastercard

The total dining card that lets you enjoy a plateful of dining benefits plus more from the highly esteemed LJC Restaurant Group.

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MANGO Mastercard

Glam up in style the Mango fashionista way! Stay on top of the latest Mango events and product releases at exclusive rates.

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Sta. Lucia Mall Mastercard

The first mall-wide card that lets you earn rewards and rebates, avail discounts and installments and exclusive privileges.

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Fully Booked Mastercard

With this card, reading gets more exciting in many ways!

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HBC Mastercard

Make beauty your top priority with this card that makes life more beautiful.

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Web Shopper

Enjoy online shopping convenience and security, plus year-round perks.

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Copyright © 2016. RCBC Bankard Services Corporation. All Rights Reserved.





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Apply for a Visa Credit Card Online

Apply for credit cards

When you apply for a creditcard online, there are several things that are helpful to know. In this credit card debt article we’ll give you information on how to get the best credit card rate and how to do a credit card balance transfer.

Interest Rates Can Be Raised Even If You Pay On Time

As a credit card user, there are several things you should know about companies issuing creditcards . Number one is that even if you make your credit card payments on time each month, the credit card companies can raise your interest rate automatically if you’re late on payments elsewhere. This means that if you are late on another credit card payment, or the phone bill, the home loan, or simply because the bank thinks you have taken on too much debt, they can raise your interest rates. This is known as the “universal default” clause and is becoming a standard clause in credit card agreements. Banks think that if you are neglecting bills elsewhere they don’t want to risk not getting paid either.

Which Are You?

Here’s the credit card industry’s jargon for its customer categories:

The Lowdown on Late Fees

There is no limit on the amount a credit card company can charge a cardholder for being late on a payment, even if it’s an hour late. Before 1996, late fees ran $5 or $10. Then in 1996, the U.S. Supreme Court in Smiley vs. Citibank lifted the existing restrictions on late penalty fees, causing them to soar, reaching upwards of $30. Credit card companies have almost doubled their revenue from charges for late fees, over-the-limit fees, and fees for returned checks. It is possible these penalty fees could rise as high as $50.

Read the Fine Print

Always read the fine print on your credit card agreement. Tucked into the fine print that people so often ignore are provisions that can add up to hefty fees, penalties and rising interest rates. Below are some of the important sections of a typical contract

  • Spending Limit – The credit line may be increased, reduced, or canceled at any time.

  • the account is in default,
  • the company suspects fraud
  • late payment
  • bounced or unsigned check
  • copy of statement
  • payment by phone

You can see all our offers. Choose one and apply for a Visa credit card online.





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How can i apply for a credit card

When looking to get a credit card, there are a variety of things you should consider. If you want a rewards card to use frequently, you might not mind paying a $100 or $200 annual fee. You should also consider the regular APR (as opposed to the introductory rate) and the interest rate. A good interest rate is dependent on how you will use the card. For example, a 20% interest rate is fine if you plan on paying off the balance every month.

It pays to ask these kinds of questions before you fill out the application form. Here are 9 questions you want answered before you sign on the dotted line.

The “very first question” the consumer should ask is, “Why am I applying for this card? Why do I need this card?” says Bruce McClary, media director for ClearPoint Credit Counseling Solutions, a nonprofit affiliated with the National Foundation for Credit Counseling

Some positive reasons: The card has low or no fees, a lower interest rate or offers a rewards program that suits your spending habits. “It has to make sense, and it has to fit into your overall lifestyle,” McClary says.

Do you pay off your credit card balances every month? If so, “you don’t care what the interest rate is because you won’t pay any,” says Ric Edelman, author of “The Truth About Money.” “But you care about the (annual) fee,” he says.

If you run a balance, you want the lowest rate you can get, even if that comes with an annual fee.

One clue to your usage: “Look at your past history,” says Edelman. “Because what you’ve done before is what you will be doing.”

If you’re shopping for a card, chances are you’re comparing card terms. But if an issuer sends you an offer, it’s tempting to apply and see what you get.

“It’s really difficult to pick one (in isolation),” says Kelly Rogers, chief development officer for the Consumer Credit Counseling Service of Orange County and adjunct faculty at Chapman University. “If someone just shows you one car, how do you know if it’s the right car for you?”

Her advice: Do a side-by-side comparison of several different cards before you apply.

Don’t be afraid to plug the card name, “complaints” and “customer service” into your favorite search engine. “I go through and see who has the least amount of complaints and issues,” says Rogers.

Some cards will give you a range of rates you could get, but often that window is pretty wide, says Nick Bourke, director of the Safe Credit Card Project at The Pew Charitable Trusts. Other cards may offer a specific rate (or terms) and either approve or reject you.

If you’re operating totally in the dark, you have another option: Apply by phone and push for an answer on your rate and credit line before the account is opened.

While there are no guarantees, sometimes you can get an answer, says Bourke.

“I’ve actually done this myself,” he says, admitting “you do have to go pretty far in the process.”

You may have to ask for the department that’s actually evaluating your application to get an answer, he says.

“The thing that you want to do is when you’re talking to the person on the phone taking your application is you want to push them as hard as you can to get your APR and credit line,” Bourke says. Then, once you have the information and before the account is opened in your name, “you can say yes or no at that point,” he says.

According to the Credit Card Accountability, Responsibility and Disclosure Act of 2009, if a card offers a lower interest rate during an introductory period, the promotional rate has to last at least six months. While that introductory offer may be appealing, the regular rate is what you’re really buying.

So find out when the introductory APR expires and what the new rate will be. You can find this information online in the terms and conditions for the card or you can ask a service representative.

Another smart question: How long is that grace period? “Some cards start charging interest immediately,” says Edelman. A card can have different grace periods for balance transfers and cash advances than it does for purchases.

You can find information about the grace period in the credit card offer, thanks to federal rules that took effect in 2010. Look for a summary table of rate and fee disclosures, which will include a statement that explains how to avoid paying interest.

If you’re getting the card for points or rewards, this is one you definitely need to ask, says Josh Frank, senior researcher with the Center for Responsible Lending. Some issuers will revoke rewards if you’re late with a payment by even one day, he says.

“A lot of times, the answer they will give you is that they can take away or reduce your rewards for any reason,” he says. While that’s true, the issuer will have a policy on revoking or reducing points, and that’s what you want to ask about, he says. Under what specific circumstances would they reduce or eliminate a customer’s points?

In most cases, “this is one the customer service agent should know the answer to,” he says.

Some card issuers use your purchase records to assess your ongoing creditworthiness.

That means if you suddenly use your card to purchase retread tires, pay for a session with a marriage counselor or make a purchase at a market on a sketchy side of town, you could see your APR climb or your credit limit fall, says Frank. If you see this practice as an invasion of privacy, ask beforehand if the issuer does this, he says.

How to phrase it: Can my transactions ever be used in rating my credit risk?

And that’s one question the customer service representative “might not know the answer to,” says Frank. “You might want to ask them to transfer you to the credit department manager.”

If you are guaranteeing a card account by co-signing for a college student, ask if you will be on the hook for the debt after the other party turns 21, says Chi Chi Wu, staff attorney for the National Consumer Law Center.

Many times, “there is nothing to prevent the issuers from saying you’re going to be guaranteeing this card 15 years from now — long after junior is out of college,” she says.

In addition, find out exactly what has to be done to get you off the account. Are you free to complete those steps yourself? Or will you need the cooperation of someone who might not want you — and those charging privileges — to go away?

Federal regulations limit your liability for unauthorized credit card charges to $50 if you report it within two business days. The longer you wait, the more you may lose. Many issuers cap losses at zero dollars, provided you follow a few rules. So find out how the card would handle charges you didn’t make, says McClary.

Also, does the issuer monitor usage and shut down the card if it sees out-of-the-ordinary charges or spending locations? That feature can be great if you always use the card for the same types of purchases in the same geographic area, but cumbersome if you’re getting the card for travel.

While it sounds counterproductive, you want to ask some detailed questions on how the issuer will treat you if you run into financial problems, says McClary.

Will you lose points or benefits? Will you be hit with late fees or a penalty rate? Ask what those penalties are or look online at the terms and conditions for the card.

Some issuers have programs to slash interest temporarily for customers who get behind, he says. Others don’t. So find out ahead of time what kind of programs the issuer offers that will help you rehabilitate your account and restore your original terms, McClary says.

Ask about the “worst case scenario,” he says. “When do they consider an account to be charged off? And when do they send an account to a collection agency?”

“It may be a little tough to get a hold of that information because it might not be readily available at the customer service level,” says McClary. “You may have to punch it up a level.”





Credit Cards – Reviews, Advice & Calculators, how to apply for a credit card.#How #to #apply #for #a #credit #card

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6 reasons why an issuer may close your card

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Pay Taxes by Credit or Debit Card, Internal Revenue Service, how to apply for a credit card.#How #to #apply #for #a #credit #card

Pay Your Taxes by Debit or Credit Card

You can pay by internet, phone, or mobile device whether you e-file, paper file or are responding to a bill or notice. It’s safe and secure – the IRS uses standard service providers and business/commercial card networks, and your information is used solely to process your payment.

  • Your payment will be processed by a payment processor who will charge a processing fee.
  • The fees vary by service provider and may be tax deductible.
  • No part of the service fee goes to the IRS.
  • Your information is used solely to process your payment.

(WorldPay US, Inc.)

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Paying with your Debit or Credit Card? Understand that:

  • Fees differ from those in the table above when you choose the integrated IRS e-file and e-pay option. View your options.
  • Not all IRS tax forms are eligible for payment by credit or debit card, and there are limits on how often you can make individual and business payments. Visit the frequency limit table by type of tax payment for details.
  • High balance payments of $100,000+ may require coordination with your provider.
  • You usually can’t cancel payments.
  • You can’t make Federal Tax Deposits.
  • You can’t get an immediate release of a Federal Tax Lien. Refer to Publication 1468, Guidelines for Processing Notice of Federal Tax Lien Documents, for payment options.
  • This form of payment eliminates your need for a voucher.
  • Your card statement will list this payment as “United States Treasury Tax Payment.” The convenience fee paid to your provider will be listed as “Tax Payment Convenience Fee” or something similar.
    • The fee is deductible for personal tax types as a miscellaneous itemized deduction. However, only those miscellaneous expenses that exceed 2 percent of the adjusted gross income can be deducted. For more information, refer to Publication 529, Miscellaneous Deductions.
    • For business tax types, the fee is a deductible business expense.
  • If you overpaid, IRS will refund it after the return is processed, excepting offsets or debt on your account.

For more information on other electronic payment options, please visit the Payments Home Page.





Unsecured Credit Cards For Bad Credit, apply for credit card with bad credit.#Apply #for #credit #card #with #bad #credit

Unsecured Credit Cards For People With Bad Credit

Credit cards available here are unsecured credit cards for people with a bad credit history. Below is a list of unsecured VISA and MasterCard credit cards for bad credit. Browse our offers and apply online. Safe and secure online applications. Some of these products are fee based.

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Credit One Bank Platinum Visa

  • Receive 1% cash back on eligible purchases, terms apply
  • Make paying your bill easier with the ability to choose your payment date. Terms apply.
  • See if you Pre-Qualify without harming your credit score
  • Zero fraud liability protects you from unauthorized charges
  • Monitor your credit with free online access to your credit score
  • Show off your style with a premium card design, a fee may apply
  • Receive opportunities for credit line increases, a fee may apply
  • Email or text alerts to remind you when your payment is due
  • CLICK HERE TO APPLY ONLINE

*See Terms and Conditions

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Total Visa Credit Card

  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine VISA card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a Processing Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
  • CLICK HERE TO APPLY ONLINE

*See Card Terms and Conditions

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Milestone Mastercard – Bad Credit Considered

  • Prequalify for a card today and it will not impact your credit score
  • Less than perfect credit is okay
  • Mobile account access at any time
  • Protection from fraud if your card is stolen
  • Account history is reported to the three major credit bureaus in the U.S.
  • CLICK HERE TO APPLY ONLINE

*Dependent on credit worthiness

  • Intro

Indigo Mastercard for Less than Perfect Credit

  • Pre-qualify for a card today and it will not impact your credit score
  • All credit histories considered
  • Mobile account access at any time
  • Fraud protection for stolen or lost cards
  • Account history is reported to the three major credit bureaus in the U.S.
  • CLICK HERE TO APPLY ONLINE

*Subject to terms and conditions

  • Intro

The First Access Visa Credit Card

  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won’t
  • Easy and secure online application
  • If approved, pay a Processing Fee and you can access the $300 credit limit (subject to available credit)
  • Receive your card more quickly with optional Expedited Processing (additional fee applies)
  • Get a result in as little as 60 seconds upon completion of the online application
  • Online Customer Center available 24 x 7
  • Checking account required
  • Issued by Mid America Bank Trust Company, founded 1920, Member: FDIC
  • CLICK HERE TO APPLY ONLINE

*See Terms and Conditions

  • Intro

First PREMIER Bank Credit Card

  • Have a checking account? Apply to see if you are approved.
  • Apply today, and if approved, pay a Program Fee to access your available credit (additional fees and charges apply)
  • Our application is easy and confidential
  • We provide a response in 60 seconds or less.
  • CLICK HERE TO APPLY ONLINE

*See online credit card application for details on the terms and conditions.

  • Intro

First PREMIER Bank Classic Credit Card

  • Have a checking account? Apply to see if you are approved.
  • Don’t be fooled by debit and prepaid offers – this is a real credit card offer
  • Reports your credit history to the major Consumer Reporting Agencies
  • Is there a credit card in your wallet? Apply now!
  • CLICK HERE TO APPLY ONLINE

*See online credit card application for details on the terms and conditions.

  • Intro

First PREMIER Bank MasterCard Credit Card

  • Must have checking account to qualify
  • If approved, once your account is opened you may use your credit card at millions of merchants worldwide (subject to available credit)
  • Reports to the major Consumer Reporting Agencies
  • Easy Online Application!
  • CLICK HERE TO APPLY ONLINE

*See online credit card application for details on the terms and conditions.

  • Intro

First PREMIER Bank Gold Credit Card

  • Must have checking account to qualify
  • A credit card offer for those with less than perfect credit!
  • A manageable credit limit can help you stay in control.
  • Go for the Gold! Apply now!
  • CLICK HERE TO APPLY ONLINE

*See online credit card application for details on the terms and conditions.

  • Intro

PREMIER Forward MasterCard Credit Card

  • Checking Account Required
  • This is a credit card – not a debit or prepaid card
  • If approved, once your account is opened you may use your credit card at millions of merchants worldwide (subject to available credit)
  • First PREMIER Bank may approve you when other issuers will not
  • CLICK HERE TO APPLY ONLINE

*See online credit card application for details on the terms and conditions.

  • Intro

FICO Credit Scores

A credit score is a number generally between 300-850, based on a statistical analysis of a person’s credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is–the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.

What is a Credit Score?

A credit score is a number generally between 300-850, based on a statistical analysis of a person’s credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is–the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.

Credit Score Facts

  1. Credit Scores range from 300-850, the higher the better.
  2. Most lenders base approval on your credit score.
  3. Higher Scores mean lower payments and better deals.
  4. Higher Scores mean Lower interest rates.
  5. Scores are determined by 5 main categories:
    • Payment History
    • Amounts Owed
    • Length of Credit History
    • Type of Credit Used
    • New Credit

Note: Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product.

*See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the ” Apply Now ” button you can review the credit card terms and conditions on the credit card issuer’s web site.

Advertiser Disclosure: The card offers that appear on this site are from companies from which www.Gettingacreditcard.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). www.Gettingacreditcard.com does not include all card companies or all card offers available in the marketplace.

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Credit Card Offers for Poor Credit Rating

Credit cards are the most up-to-date way to manage one’s expenses. But not everybody has good credit to take the best online card offers. At Rebuild-Credit-Cards.com customers can find online offers for bad credit history, limited and no credit history cards.

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*See the credit card’s terms and conditions on the online application page. Note that this website may be compensated by credit card issuers when the visitor applies for a card through the links on this website. We do our best to maintain all information accurate and up to date. However, we do not warrant the credit card information won’t change. Click the “Apply Online” button and review the current info on the secure credit card terms page.





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CardOneBanking is a trading style of Spectrum Card Services Limited (Registered in England Wales No. 6052256), which is a registered agent of Spectrum Payment Services Limited (Registered in England Wales No. 6268340) under the FCA’s Payment Services Regulations 2009. Registered Office: 3rd Floor, Vintners’ Place, 68 Upper Thames St. London. EC4V 3BJ. Spectrum Payment Services Limited is authorised by the Financial Conduct Authority under the Payment Service Regulations 2009 No. 504547 for the provision of payment services.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. The Card is issued by Wirecard Card Solutions Ltd (“WDCS”) pursuant to license by Mastercard International Inc. WDCS is authorised by the Financial Conduct Authority to conduct electronic money service activities under the Electronic Money Regulations 2011 (Ref: 900051) 2012 All rights reserved.





Credit Cards – Our Best 0% Credit Card Deals, apply credit card.#Apply #credit #card

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Why should I use Smart Search

Using Smart Search makes you less likely to be one of the millions of people who get declined for credit cards every year. Smart Search shows you which cards you’re most likely to be accepted for, so you can avoid the ones that are more likely to decline you. Getting declined can damage your credit score, and this makes it harder to borrow money in the future.

How does it work?

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Credit cards come in all shapes sizes, finding one that suits you can make a world of difference to your pocket.

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Find out more about how balance transfer credit cards work and what s available.

Guide to credit card protection

What is a good credit score

A guide to student credit cards

What is a credit card

The advantages and disadvantages of credit cards

Will I be accepted for a credit card

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Can’t find what you’re looking for? Try looking at our news, views and in-depth credit cards guides

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Frequently asked questions

It’s hard to imagine life without a credit card as these days you can use them almost anywhere, anytime. Perhaps you want to splash out in the sales, treat your family to a holiday or maybe indulge in some online shopping. There’s no doubt that credit cards can be a quick and easy way to pay for a wide range of goods and services. Plus, you can spread the cost over several months, allowing you to budget. But picking the right credit card can be confusing as there are so many different deals on the market. Our guide explains how credit cards work – and how to select the right card for you.

What is a credit card?

A credit card is basically a loan, but if you clear your balance in full when you receive your monthly statement, the loan is interest free. If you can’t afford to pay off the outstanding debt, you can make monthly payments, but you will normally be charged interest. The rates vary, but 19% is typical.

Credit card comparison

When using our credit card comparison tool, decide what you are going to use the card for. You can choose between balance transfer cards, purchase cards, money transfer cards, cards that reward your spending and cards to use abroad

  • 0% purchase cards: enable you to buy items upfront, while paying off the amount you’ve spent over a stated period without incurring any interest charges.
  • Balance transfer cards: enable you to transfer an existing credit card balance to a new card that charges less interest.
  • Reward cards: – these cards offer cashback or loyalty points.

If you want to use a card for shopping, there’s little point in applying for a 0% balance transfer rate. Shoppers should search for a deal that offers a low rate on purchases. Some cards, for example, charge 0% on purchases for a number of months, and they can be a cost effective way to pay for a big ticket item, such as a washing machine or sofa. If you clear the debt before the 0% deal expires, you will pay no interest whatsoever.

Low rate cards are better suited to people who are not able to pay their balance in full each month. There is no introductory interest rate offer. Instead, you will pay a relatively low rate of interest for as long as it takes to clear your debt.

People who have run up debts on another card or cards at a high rate of interest can save money with a balance transfer deal. Let’s say you have accumulated debts of £3000 on a card that charges interest at 19%. If you switch the outstanding balance to a card that charges 0% interest for 24 months, you can instantly cut the cost of your debt.

Reward cards are ideal if you pay off your balance every month as the interest rate is irrelevant. You can therefore look out for a card that offers cashback or loyalty points.

There are also various deals available for people who take their credit card abroad and for those who have a poor credit history.

Pros and cons of credit cards

Credit cards can be a great way to pay for goods and services without having to stump up the money upfront. You can even use your credit card like an interest-free loan, allowing you to borrow money for free. You also get some protection under the Consumer Credit Act if you buy something with a credit card.

But let’s not forget that it’s easy to run up expensive debts with a credit card, especially if you pay off only the minimum balance each month. You can also get into financial difficulty if you don’t stick to the rules. For example, most companies charge a penalty if you miss a payment, make a late payment or breach your credit limit. Bear in mind, too, that most issuers reserve their best deals for people with a spotless credit record, so your application could be turned down.

Find the right credit card

The best credit card for you depends on whether you will pay off your balance each month and how you intend to use the card. Smart Search will ask you a selection of questions to help determine which type of credit card best suits your needs, without leaving a mark on your credit file.

There are hundreds of different credit card deals but you can compare all the leading offers quickly and easily with Moneysupermarket’s online service. So, whether you want to switch a balance or you are looking for a 0% deal on purchases, we have all the information you need at the click of a mouse.

Moneysupermarket is a credit broker – this means we’ll show you products offered by lenders. We never take a fee from customers for this broking service. Instead we are usually paid a fee by the lenders – though the size of that payment doesn’t affect how we show products to customers.

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CardOneBanking: No Credit Checks, Online Banking, Prepaid Card, Basic Bank Account, how to apply for a credit card with no credit.#How #to #apply #for #a #credit #card #with #no #credit

Earn cash rewards of up to 3.5% at more than 35 major high street retailers!

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Check your balance, view statements pay bills

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  • Free to download from the App Store & Google Play

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Set up Direct Debits and pay your bills securely

You can now pay your regular bills with Direct Debits. Safe, simple secure.

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Apply in minutes

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Our application form is short and easy to use.

It only takes a few minutes to complete and we’ll send you your sort code and account number straight away!

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How to apply for a credit card with no credit

How to apply for a credit card with no credit

How to apply for a credit card with no credit

How to apply for a credit card with no credit

How to apply for a credit card with no credit

How to apply for a credit card with no credit

How to apply for a credit card with no credit

How to apply for a credit card with no credit

How to apply for a credit card with no credit

How to apply for a credit card with no credit

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Secure Online Access

Keep tabs on your account 24/7

You can access your account online 24/7/365 using our state-of-the-art online banking facility.

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Manage your account by text

If you need a balance or would like to load funds to your CardOneBanking Prepaid Debit MasterCard Card you can do it 24/7/365 simply by sending a text message.

No Credit Checks

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Your credit history is of no concern to us, in fact we like to help people who’ve had financial problems in the past.

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We won’t charge you if you can’t make a payment

CardOneBanking don’t charge you if you can’t afford to make a payment which you’ve set up. Instead we’ll notify you by text message a few days before your payment is due to be sent so that you can pay money in should you want to.

UK Call Centre

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Our call centre is based in the UK and what’s more we answer the phone, on average, in just 4 seconds!

Open To Everyone

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If you’re a UK resident aged 18 or over then this account is open to you.

The CardOneBanking Mobile App

Learn more about our mobile app and download it for free here:

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How CardOneBanking Works

News about branch banking: please click here

card one banking offers an exciting online current account that is open to everybody* (subject to identification and residency, you must be at least 18 years of age and a UK resident). Even with bad credit you can get a current account opened instantly**.

We’ll help you manage your money so you can keep track of your bills. Even if you can’t pay a bill, we won’t charge you and we will text you to let you know in good time. We’ll help to ensure all your bills are paid on time. The card one banking jam-jar current account comprises of: the card one banking Billing Account for money in and also to pay your bills from, plus the card one banking Debit Mastercard which is for your every day spending.

A no credit check* account, designed with you in mind.

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*Subject to identification, residency – See terms and conditions. Cardholder must be at least 18 years of age. ***ATM charges may apply.

**This product is not covered by the Financial Services Compensation Scheme.

CardOneBanking is a trading style of Spectrum Card Services Limited (Registered in England Wales No. 6052256), which is a registered agent of Spectrum Payment Services Limited (Registered in England Wales No. 6268340) under the FCA’s Payment Services Regulations 2009. Registered Office: 3rd Floor, Vintners’ Place, 68 Upper Thames St. London. EC4V 3BJ. Spectrum Payment Services Limited is authorised by the Financial Conduct Authority under the Payment Service Regulations 2009 No. 504547 for the provision of payment services.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. The Card is issued by Wirecard Card Solutions Ltd (“WDCS”) pursuant to license by Mastercard International Inc. WDCS is authorised by the Financial Conduct Authority to conduct electronic money service activities under the Electronic Money Regulations 2011 (Ref: 900051) 2012 All rights reserved.





Credit Cards – Compare Best Card Offers & Apply Online, Bankrate, apply for credit card online.#Apply #for #credit #card #online

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When looking to get a credit card, there are a variety of things you should consider. If you want a rewards card to use frequently, you might not mind paying a $100 or $200 annual fee. You should also consider the regular APR (as opposed to the introductory rate) and the interest rate. A good interest rate is dependent on how you will use the card. For example, a 20% interest rate is fine if you plan on paying off the balance every month.

It pays to ask these kinds of questions before you fill out the application form. Here are 9 questions you want answered before you sign on the dotted line.

The “very first question” the consumer should ask is, “Why am I applying for this card? Why do I need this card?” says Bruce McClary, media director for ClearPoint Credit Counseling Solutions, a nonprofit affiliated with the National Foundation for Credit Counseling

Some positive reasons: The card has low or no fees, a lower interest rate or offers a rewards program that suits your spending habits. “It has to make sense, and it has to fit into your overall lifestyle,” McClary says.

Do you pay off your credit card balances every month? If so, “you don’t care what the interest rate is because you won’t pay any,” says Ric Edelman, author of “The Truth About Money.” “But you care about the (annual) fee,” he says.

If you run a balance, you want the lowest rate you can get, even if that comes with an annual fee.

One clue to your usage: “Look at your past history,” says Edelman. “Because what you’ve done before is what you will be doing.”

If you’re shopping for a card, chances are you’re comparing card terms. But if an issuer sends you an offer, it’s tempting to apply and see what you get.

“It’s really difficult to pick one (in isolation),” says Kelly Rogers, chief development officer for the Consumer Credit Counseling Service of Orange County and adjunct faculty at Chapman University. “If someone just shows you one car, how do you know if it’s the right car for you?”

Her advice: Do a side-by-side comparison of several different cards before you apply.

Don’t be afraid to plug the card name, “complaints” and “customer service” into your favorite search engine. “I go through and see who has the least amount of complaints and issues,” says Rogers.

Some cards will give you a range of rates you could get, but often that window is pretty wide, says Nick Bourke, director of the Safe Credit Card Project at The Pew Charitable Trusts. Other cards may offer a specific rate (or terms) and either approve or reject you.

If you’re operating totally in the dark, you have another option: Apply by phone and push for an answer on your rate and credit line before the account is opened.

While there are no guarantees, sometimes you can get an answer, says Bourke.

“I’ve actually done this myself,” he says, admitting “you do have to go pretty far in the process.”

You may have to ask for the department that’s actually evaluating your application to get an answer, he says.

“The thing that you want to do is when you’re talking to the person on the phone taking your application is you want to push them as hard as you can to get your APR and credit line,” Bourke says. Then, once you have the information and before the account is opened in your name, “you can say yes or no at that point,” he says.

According to the Credit Card Accountability, Responsibility and Disclosure Act of 2009, if a card offers a lower interest rate during an introductory period, the promotional rate has to last at least six months. While that introductory offer may be appealing, the regular rate is what you’re really buying.

So find out when the introductory APR expires and what the new rate will be. You can find this information online in the terms and conditions for the card or you can ask a service representative.

Another smart question: How long is that grace period? “Some cards start charging interest immediately,” says Edelman. A card can have different grace periods for balance transfers and cash advances than it does for purchases.

You can find information about the grace period in the credit card offer, thanks to federal rules that took effect in 2010. Look for a summary table of rate and fee disclosures, which will include a statement that explains how to avoid paying interest.

If you’re getting the card for points or rewards, this is one you definitely need to ask, says Josh Frank, senior researcher with the Center for Responsible Lending. Some issuers will revoke rewards if you’re late with a payment by even one day, he says.

“A lot of times, the answer they will give you is that they can take away or reduce your rewards for any reason,” he says. While that’s true, the issuer will have a policy on revoking or reducing points, and that’s what you want to ask about, he says. Under what specific circumstances would they reduce or eliminate a customer’s points?

In most cases, “this is one the customer service agent should know the answer to,” he says.

Some card issuers use your purchase records to assess your ongoing creditworthiness.

That means if you suddenly use your card to purchase retread tires, pay for a session with a marriage counselor or make a purchase at a market on a sketchy side of town, you could see your APR climb or your credit limit fall, says Frank. If you see this practice as an invasion of privacy, ask beforehand if the issuer does this, he says.

How to phrase it: Can my transactions ever be used in rating my credit risk?

And that’s one question the customer service representative “might not know the answer to,” says Frank. “You might want to ask them to transfer you to the credit department manager.”

If you are guaranteeing a card account by co-signing for a college student, ask if you will be on the hook for the debt after the other party turns 21, says Chi Chi Wu, staff attorney for the National Consumer Law Center.

Many times, “there is nothing to prevent the issuers from saying you’re going to be guaranteeing this card 15 years from now — long after junior is out of college,” she says.

In addition, find out exactly what has to be done to get you off the account. Are you free to complete those steps yourself? Or will you need the cooperation of someone who might not want you — and those charging privileges — to go away?

Federal regulations limit your liability for unauthorized credit card charges to $50 if you report it within two business days. The longer you wait, the more you may lose. Many issuers cap losses at zero dollars, provided you follow a few rules. So find out how the card would handle charges you didn’t make, says McClary.

Also, does the issuer monitor usage and shut down the card if it sees out-of-the-ordinary charges or spending locations? That feature can be great if you always use the card for the same types of purchases in the same geographic area, but cumbersome if you’re getting the card for travel.

While it sounds counterproductive, you want to ask some detailed questions on how the issuer will treat you if you run into financial problems, says McClary.

Will you lose points or benefits? Will you be hit with late fees or a penalty rate? Ask what those penalties are or look online at the terms and conditions for the card.

Some issuers have programs to slash interest temporarily for customers who get behind, he says. Others don’t. So find out ahead of time what kind of programs the issuer offers that will help you rehabilitate your account and restore your original terms, McClary says.

Ask about the “worst case scenario,” he says. “When do they consider an account to be charged off? And when do they send an account to a collection agency?”

“It may be a little tough to get a hold of that information because it might not be readily available at the customer service level,” says McClary. “You may have to punch it up a level.”





Pay Taxes by Credit or Debit Card, Internal Revenue Service, apply for credit card with no credit.#Apply #for #credit #card #with #no #credit

Pay Your Taxes by Debit or Credit Card

You can pay by internet, phone, or mobile device whether you e-file, paper file or are responding to a bill or notice. It’s safe and secure – the IRS uses standard service providers and business/commercial card networks, and your information is used solely to process your payment.

  • Your payment will be processed by a payment processor who will charge a processing fee.
  • The fees vary by service provider and may be tax deductible.
  • No part of the service fee goes to the IRS.
  • Your information is used solely to process your payment.

(WorldPay US, Inc.)

855-508-0159 Live Operator

1-615-942-1141 Live Operator

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($3.95 flat fee for

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Paying with your Debit or Credit Card? Understand that:

  • Fees differ from those in the table above when you choose the integrated IRS e-file and e-pay option. View your options.
  • Not all IRS tax forms are eligible for payment by credit or debit card, and there are limits on how often you can make individual and business payments. Visit the frequency limit table by type of tax payment for details.
  • High balance payments of $100,000+ may require coordination with your provider.
  • You usually can’t cancel payments.
  • You can’t make Federal Tax Deposits.
  • You can’t get an immediate release of a Federal Tax Lien. Refer to Publication 1468, Guidelines for Processing Notice of Federal Tax Lien Documents, for payment options.
  • This form of payment eliminates your need for a voucher.
  • Your card statement will list this payment as “United States Treasury Tax Payment.” The convenience fee paid to your provider will be listed as “Tax Payment Convenience Fee” or something similar.
    • The fee is deductible for personal tax types as a miscellaneous itemized deduction. However, only those miscellaneous expenses that exceed 2 percent of the adjusted gross income can be deducted. For more information, refer to Publication 529, Miscellaneous Deductions.
    • For business tax types, the fee is a deductible business expense.
  • If you overpaid, IRS will refund it after the return is processed, excepting offsets or debt on your account.

For more information on other electronic payment options, please visit the Payments Home Page.





Credit Cards – Compare Best Card Offers & Apply Online, Bankrate, credit card apply.#Credit #card #apply

Compare partner credit card offers from our most

Cash Back

Balance Transfer

Business Card

Cards for Bad Credit

Credit card apply

When looking to get a credit card, there are a variety of things you should consider. If you want a rewards card to use frequently, you might not mind paying a $100 or $200 annual fee. You should also consider the regular APR (as opposed to the introductory rate) and the interest rate. A good interest rate is dependent on how you will use the card. For example, a 20% interest rate is fine if you plan on paying off the balance every month.

It pays to ask these kinds of questions before you fill out the application form. Here are 9 questions you want answered before you sign on the dotted line.

The “very first question” the consumer should ask is, “Why am I applying for this card? Why do I need this card?” says Bruce McClary, media director for ClearPoint Credit Counseling Solutions, a nonprofit affiliated with the National Foundation for Credit Counseling

Some positive reasons: The card has low or no fees, a lower interest rate or offers a rewards program that suits your spending habits. “It has to make sense, and it has to fit into your overall lifestyle,” McClary says.

Do you pay off your credit card balances every month? If so, “you don’t care what the interest rate is because you won’t pay any,” says Ric Edelman, author of “The Truth About Money.” “But you care about the (annual) fee,” he says.

If you run a balance, you want the lowest rate you can get, even if that comes with an annual fee.

One clue to your usage: “Look at your past history,” says Edelman. “Because what you’ve done before is what you will be doing.”

If you’re shopping for a card, chances are you’re comparing card terms. But if an issuer sends you an offer, it’s tempting to apply and see what you get.

“It’s really difficult to pick one (in isolation),” says Kelly Rogers, chief development officer for the Consumer Credit Counseling Service of Orange County and adjunct faculty at Chapman University. “If someone just shows you one car, how do you know if it’s the right car for you?”

Her advice: Do a side-by-side comparison of several different cards before you apply.

Don’t be afraid to plug the card name, “complaints” and “customer service” into your favorite search engine. “I go through and see who has the least amount of complaints and issues,” says Rogers.

Some cards will give you a range of rates you could get, but often that window is pretty wide, says Nick Bourke, director of the Safe Credit Card Project at The Pew Charitable Trusts. Other cards may offer a specific rate (or terms) and either approve or reject you.

If you’re operating totally in the dark, you have another option: Apply by phone and push for an answer on your rate and credit line before the account is opened.

While there are no guarantees, sometimes you can get an answer, says Bourke.

“I’ve actually done this myself,” he says, admitting “you do have to go pretty far in the process.”

You may have to ask for the department that’s actually evaluating your application to get an answer, he says.

“The thing that you want to do is when you’re talking to the person on the phone taking your application is you want to push them as hard as you can to get your APR and credit line,” Bourke says. Then, once you have the information and before the account is opened in your name, “you can say yes or no at that point,” he says.

According to the Credit Card Accountability, Responsibility and Disclosure Act of 2009, if a card offers a lower interest rate during an introductory period, the promotional rate has to last at least six months. While that introductory offer may be appealing, the regular rate is what you’re really buying.

So find out when the introductory APR expires and what the new rate will be. You can find this information online in the terms and conditions for the card or you can ask a service representative.

Another smart question: How long is that grace period? “Some cards start charging interest immediately,” says Edelman. A card can have different grace periods for balance transfers and cash advances than it does for purchases.

You can find information about the grace period in the credit card offer, thanks to federal rules that took effect in 2010. Look for a summary table of rate and fee disclosures, which will include a statement that explains how to avoid paying interest.

If you’re getting the card for points or rewards, this is one you definitely need to ask, says Josh Frank, senior researcher with the Center for Responsible Lending. Some issuers will revoke rewards if you’re late with a payment by even one day, he says.

“A lot of times, the answer they will give you is that they can take away or reduce your rewards for any reason,” he says. While that’s true, the issuer will have a policy on revoking or reducing points, and that’s what you want to ask about, he says. Under what specific circumstances would they reduce or eliminate a customer’s points?

In most cases, “this is one the customer service agent should know the answer to,” he says.

Some card issuers use your purchase records to assess your ongoing creditworthiness.

That means if you suddenly use your card to purchase retread tires, pay for a session with a marriage counselor or make a purchase at a market on a sketchy side of town, you could see your APR climb or your credit limit fall, says Frank. If you see this practice as an invasion of privacy, ask beforehand if the issuer does this, he says.

How to phrase it: Can my transactions ever be used in rating my credit risk?

And that’s one question the customer service representative “might not know the answer to,” says Frank. “You might want to ask them to transfer you to the credit department manager.”

If you are guaranteeing a card account by co-signing for a college student, ask if you will be on the hook for the debt after the other party turns 21, says Chi Chi Wu, staff attorney for the National Consumer Law Center.

Many times, “there is nothing to prevent the issuers from saying you’re going to be guaranteeing this card 15 years from now — long after junior is out of college,” she says.

In addition, find out exactly what has to be done to get you off the account. Are you free to complete those steps yourself? Or will you need the cooperation of someone who might not want you — and those charging privileges — to go away?

Federal regulations limit your liability for unauthorized credit card charges to $50 if you report it within two business days. The longer you wait, the more you may lose. Many issuers cap losses at zero dollars, provided you follow a few rules. So find out how the card would handle charges you didn’t make, says McClary.

Also, does the issuer monitor usage and shut down the card if it sees out-of-the-ordinary charges or spending locations? That feature can be great if you always use the card for the same types of purchases in the same geographic area, but cumbersome if you’re getting the card for travel.

While it sounds counterproductive, you want to ask some detailed questions on how the issuer will treat you if you run into financial problems, says McClary.

Will you lose points or benefits? Will you be hit with late fees or a penalty rate? Ask what those penalties are or look online at the terms and conditions for the card.

Some issuers have programs to slash interest temporarily for customers who get behind, he says. Others don’t. So find out ahead of time what kind of programs the issuer offers that will help you rehabilitate your account and restore your original terms, McClary says.

Ask about the “worst case scenario,” he says. “When do they consider an account to be charged off? And when do they send an account to a collection agency?”

“It may be a little tough to get a hold of that information because it might not be readily available at the customer service level,” says McClary. “You may have to punch it up a level.”





Walmart Credit Card, credit card apply.#Credit #card #apply

Walmart Credit Card

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Account opening offer

*To qualify for this offer you must apply and be approved for a consumer Walmart Credit Card account online at Walmart.com and make a qualifying purchase on Walmart.com the same day you open your account (excluding cash advances, gift card sales, money orders, and gas purchases). Purchase must be made with your new Walmart Credit Card account. Applicants who do not receive a credit decision the day they apply but are later approved will receive a comparable offer certificate in their credit card package. Regular credit terms apply. A credit to the account will appear within 1-2 billing periods after the qualifying purchase is made. Offer is valid for newly opened accounts only and each account is eligible for only one $35 offer. Offer valid through December 31, 2017.

Special Financing and account opening purchases receiving a discount do not earn Rewards.

† Walmart Credit Cardholders are eligible to earn rewards on purchases made with their Walmart Credit Card account. Rewards apply to net card purchases (purchases minus returns and adjustments). Rewards percentages depend on the type of purchase made; 3% for Walmart.com purchases (includes Walmart Pickup and Site to Store purchases); 2% for gas purchases at Walmart fuel stations and Murphy USA gas stations; and 1% on all other purchases wherever the Walmart Credit Card and Walmart MasterCard are accepted. Statement credits will be issued monthly for Rewards earned on purchases posted within that month. If your account is past due, you will not receive a statement credit until it is brought current. Cash advances, quick cash advances, fees, and interest charges do not qualify for Rewards. All rewards are provided by Synchrony Bank. See the “Walmart® Credit Card and Walmart® MasterCard® Rewards Program” terms for details.

** The bonus cash back Rewards will appear on your billing statement in the Rewards from Special offer section. Subject to credit approval. Exclusions apply. See the Walmart Credit Card and Walmart Mastercard Rewards Program terms for details.





Credit Cards – Our Best 0% Credit Card Deals, how do i apply for a credit card.#How #do #i #apply #for #a #credit #card

Compare credit cards

Whatever type of credit card you’re

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Why should I use Smart Search

Using Smart Search makes you less likely to be one of the millions of people who get declined for credit cards every year. Smart Search shows you which cards you’re most likely to be accepted for, so you can avoid the ones that are more likely to decline you. Getting declined can damage your credit score, and this makes it harder to borrow money in the future.

How does it work?

Why do I have to give you my personal information?

How long does it take?

Why can’t I just look at a list of cards?

Credit cards. Trust us to explain them simply

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Why use a credit card

Credit cards come in all shapes sizes, finding one that suits you can make a world of difference to your pocket.

What type of credit card is best for me

A credit card can be a useful addition to any wallet, purse or pocket. Find out what type of card will suit you best.

What is a balance transfer

Find out more about how balance transfer credit cards work and what s available.

Guide to credit card protection

What is a good credit score

A guide to student credit cards

What is a credit card

The advantages and disadvantages of credit cards

Will I be accepted for a credit card

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Can’t find what you’re looking for? Try looking at our news, views and in-depth credit cards guides

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Frequently asked questions

It’s hard to imagine life without a credit card as these days you can use them almost anywhere, anytime. Perhaps you want to splash out in the sales, treat your family to a holiday or maybe indulge in some online shopping. There’s no doubt that credit cards can be a quick and easy way to pay for a wide range of goods and services. Plus, you can spread the cost over several months, allowing you to budget. But picking the right credit card can be confusing as there are so many different deals on the market. Our guide explains how credit cards work – and how to select the right card for you.

What is a credit card?

A credit card is basically a loan, but if you clear your balance in full when you receive your monthly statement, the loan is interest free. If you can’t afford to pay off the outstanding debt, you can make monthly payments, but you will normally be charged interest. The rates vary, but 19% is typical.

Credit card comparison

When using our credit card comparison tool, decide what you are going to use the card for. You can choose between balance transfer cards, purchase cards, money transfer cards, cards that reward your spending and cards to use abroad

  • 0% purchase cards: enable you to buy items upfront, while paying off the amount you’ve spent over a stated period without incurring any interest charges.
  • Balance transfer cards: enable you to transfer an existing credit card balance to a new card that charges less interest.
  • Reward cards: – these cards offer cashback or loyalty points.

If you want to use a card for shopping, there’s little point in applying for a 0% balance transfer rate. Shoppers should search for a deal that offers a low rate on purchases. Some cards, for example, charge 0% on purchases for a number of months, and they can be a cost effective way to pay for a big ticket item, such as a washing machine or sofa. If you clear the debt before the 0% deal expires, you will pay no interest whatsoever.

Low rate cards are better suited to people who are not able to pay their balance in full each month. There is no introductory interest rate offer. Instead, you will pay a relatively low rate of interest for as long as it takes to clear your debt.

People who have run up debts on another card or cards at a high rate of interest can save money with a balance transfer deal. Let’s say you have accumulated debts of £3000 on a card that charges interest at 19%. If you switch the outstanding balance to a card that charges 0% interest for 24 months, you can instantly cut the cost of your debt.

Reward cards are ideal if you pay off your balance every month as the interest rate is irrelevant. You can therefore look out for a card that offers cashback or loyalty points.

There are also various deals available for people who take their credit card abroad and for those who have a poor credit history.

Pros and cons of credit cards

Credit cards can be a great way to pay for goods and services without having to stump up the money upfront. You can even use your credit card like an interest-free loan, allowing you to borrow money for free. You also get some protection under the Consumer Credit Act if you buy something with a credit card.

But let’s not forget that it’s easy to run up expensive debts with a credit card, especially if you pay off only the minimum balance each month. You can also get into financial difficulty if you don’t stick to the rules. For example, most companies charge a penalty if you miss a payment, make a late payment or breach your credit limit. Bear in mind, too, that most issuers reserve their best deals for people with a spotless credit record, so your application could be turned down.

Find the right credit card

The best credit card for you depends on whether you will pay off your balance each month and how you intend to use the card. Smart Search will ask you a selection of questions to help determine which type of credit card best suits your needs, without leaving a mark on your credit file.

There are hundreds of different credit card deals but you can compare all the leading offers quickly and easily with Moneysupermarket’s online service. So, whether you want to switch a balance or you are looking for a 0% deal on purchases, we have all the information you need at the click of a mouse.

Moneysupermarket is a credit broker – this means we’ll show you products offered by lenders. We never take a fee from customers for this broking service. Instead we are usually paid a fee by the lenders – though the size of that payment doesn’t affect how we show products to customers.

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It’s hard to imagine life without a credit card as these days you can use them almost anywhere, anytime. Perhaps you want to splash out in the sales, treat your family to a holiday or maybe indulge in some online shopping. There’s no doubt that credit cards can be a quick and easy way to pay for a wide range of goods and services. Plus, you can spread the cost over several months, allowing you to budget. But picking the right credit card can be confusing as there are so many different deals on the market. Our guide explains how credit cards work – and how to select the right card for you.

What is a credit card?

A credit card is basically a loan, but if you clear your balance in full when you receive your monthly statement, the loan is interest free. If you can’t afford to pay off the outstanding debt, you can make monthly payments, but you will normally be charged interest. The rates vary, but 19% is typical.

Credit card comparison

When using our credit card comparison tool, decide what you are going to use the card for. You can choose between balance transfer cards, purchase cards, money transfer cards, cards that reward your spending and cards to use abroad

  • 0% purchase cards: enable you to buy items upfront, while paying off the amount you’ve spent over a stated period without incurring any interest charges.
  • Balance transfer cards: enable you to transfer an existing credit card balance to a new card that charges less interest.
  • Reward cards: – these cards offer cashback or loyalty points.

If you want to use a card for shopping, there’s little point in applying for a 0% balance transfer rate. Shoppers should search for a deal that offers a low rate on purchases. Some cards, for example, charge 0% on purchases for a number of months, and they can be a cost effective way to pay for a big ticket item, such as a washing machine or sofa. If you clear the debt before the 0% deal expires, you will pay no interest whatsoever.

Low rate cards are better suited to people who are not able to pay their balance in full each month. There is no introductory interest rate offer. Instead, you will pay a relatively low rate of interest for as long as it takes to clear your debt.

People who have run up debts on another card or cards at a high rate of interest can save money with a balance transfer deal. Let’s say you have accumulated debts of £3000 on a card that charges interest at 19%. If you switch the outstanding balance to a card that charges 0% interest for 24 months, you can instantly cut the cost of your debt.

Reward cards are ideal if you pay off your balance every month as the interest rate is irrelevant. You can therefore look out for a card that offers cashback or loyalty points.

There are also various deals available for people who take their credit card abroad and for those who have a poor credit history.

Pros and cons of credit cards

Credit cards can be a great way to pay for goods and services without having to stump up the money upfront. You can even use your credit card like an interest-free loan, allowing you to borrow money for free. You also get some protection under the Consumer Credit Act if you buy something with a credit card.

But let’s not forget that it’s easy to run up expensive debts with a credit card, especially if you pay off only the minimum balance each month. You can also get into financial difficulty if you don’t stick to the rules. For example, most companies charge a penalty if you miss a payment, make a late payment or breach your credit limit. Bear in mind, too, that most issuers reserve their best deals for people with a spotless credit record, so your application could be turned down.

Find the right credit card

The best credit card for you depends on whether you will pay off your balance each month and how you intend to use the card. Smart Search will ask you a selection of questions to help determine which type of credit card best suits your needs, without leaving a mark on your credit file.

There are hundreds of different credit card deals but you can compare all the leading offers quickly and easily with Moneysupermarket’s online service. So, whether you want to switch a balance or you are looking for a 0% deal on purchases, we have all the information you need at the click of a mouse.

Moneysupermarket is a credit broker – this means we’ll show you products offered by lenders. We never take a fee from customers for this broking service. Instead we are usually paid a fee by the lenders – though the size of that payment doesn’t affect how we show products to customers.

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When looking to get a credit card, there are a variety of things you should consider. If you want a rewards card to use frequently, you might not mind paying a $100 or $200 annual fee. You should also consider the regular APR (as opposed to the introductory rate) and the interest rate. A good interest rate is dependent on how you will use the card. For example, a 20% interest rate is fine if you plan on paying off the balance every month.

It pays to ask these kinds of questions before you fill out the application form. Here are 9 questions you want answered before you sign on the dotted line.

The “very first question” the consumer should ask is, “Why am I applying for this card? Why do I need this card?” says Bruce McClary, media director for ClearPoint Credit Counseling Solutions, a nonprofit affiliated with the National Foundation for Credit Counseling

Some positive reasons: The card has low or no fees, a lower interest rate or offers a rewards program that suits your spending habits. “It has to make sense, and it has to fit into your overall lifestyle,” McClary says.

Do you pay off your credit card balances every month? If so, “you don’t care what the interest rate is because you won’t pay any,” says Ric Edelman, author of “The Truth About Money.” “But you care about the (annual) fee,” he says.

If you run a balance, you want the lowest rate you can get, even if that comes with an annual fee.

One clue to your usage: “Look at your past history,” says Edelman. “Because what you’ve done before is what you will be doing.”

If you’re shopping for a card, chances are you’re comparing card terms. But if an issuer sends you an offer, it’s tempting to apply and see what you get.

“It’s really difficult to pick one (in isolation),” says Kelly Rogers, chief development officer for the Consumer Credit Counseling Service of Orange County and adjunct faculty at Chapman University. “If someone just shows you one car, how do you know if it’s the right car for you?”

Her advice: Do a side-by-side comparison of several different cards before you apply.

Don’t be afraid to plug the card name, “complaints” and “customer service” into your favorite search engine. “I go through and see who has the least amount of complaints and issues,” says Rogers.

Some cards will give you a range of rates you could get, but often that window is pretty wide, says Nick Bourke, director of the Safe Credit Card Project at The Pew Charitable Trusts. Other cards may offer a specific rate (or terms) and either approve or reject you.

If you’re operating totally in the dark, you have another option: Apply by phone and push for an answer on your rate and credit line before the account is opened.

While there are no guarantees, sometimes you can get an answer, says Bourke.

“I’ve actually done this myself,” he says, admitting “you do have to go pretty far in the process.”

You may have to ask for the department that’s actually evaluating your application to get an answer, he says.

“The thing that you want to do is when you’re talking to the person on the phone taking your application is you want to push them as hard as you can to get your APR and credit line,” Bourke says. Then, once you have the information and before the account is opened in your name, “you can say yes or no at that point,” he says.

According to the Credit Card Accountability, Responsibility and Disclosure Act of 2009, if a card offers a lower interest rate during an introductory period, the promotional rate has to last at least six months. While that introductory offer may be appealing, the regular rate is what you’re really buying.

So find out when the introductory APR expires and what the new rate will be. You can find this information online in the terms and conditions for the card or you can ask a service representative.

Another smart question: How long is that grace period? “Some cards start charging interest immediately,” says Edelman. A card can have different grace periods for balance transfers and cash advances than it does for purchases.

You can find information about the grace period in the credit card offer, thanks to federal rules that took effect in 2010. Look for a summary table of rate and fee disclosures, which will include a statement that explains how to avoid paying interest.

If you’re getting the card for points or rewards, this is one you definitely need to ask, says Josh Frank, senior researcher with the Center for Responsible Lending. Some issuers will revoke rewards if you’re late with a payment by even one day, he says.

“A lot of times, the answer they will give you is that they can take away or reduce your rewards for any reason,” he says. While that’s true, the issuer will have a policy on revoking or reducing points, and that’s what you want to ask about, he says. Under what specific circumstances would they reduce or eliminate a customer’s points?

In most cases, “this is one the customer service agent should know the answer to,” he says.

Some card issuers use your purchase records to assess your ongoing creditworthiness.

That means if you suddenly use your card to purchase retread tires, pay for a session with a marriage counselor or make a purchase at a market on a sketchy side of town, you could see your APR climb or your credit limit fall, says Frank. If you see this practice as an invasion of privacy, ask beforehand if the issuer does this, he says.

How to phrase it: Can my transactions ever be used in rating my credit risk?

And that’s one question the customer service representative “might not know the answer to,” says Frank. “You might want to ask them to transfer you to the credit department manager.”

If you are guaranteeing a card account by co-signing for a college student, ask if you will be on the hook for the debt after the other party turns 21, says Chi Chi Wu, staff attorney for the National Consumer Law Center.

Many times, “there is nothing to prevent the issuers from saying you’re going to be guaranteeing this card 15 years from now — long after junior is out of college,” she says.

In addition, find out exactly what has to be done to get you off the account. Are you free to complete those steps yourself? Or will you need the cooperation of someone who might not want you — and those charging privileges — to go away?

Federal regulations limit your liability for unauthorized credit card charges to $50 if you report it within two business days. The longer you wait, the more you may lose. Many issuers cap losses at zero dollars, provided you follow a few rules. So find out how the card would handle charges you didn’t make, says McClary.

Also, does the issuer monitor usage and shut down the card if it sees out-of-the-ordinary charges or spending locations? That feature can be great if you always use the card for the same types of purchases in the same geographic area, but cumbersome if you’re getting the card for travel.

While it sounds counterproductive, you want to ask some detailed questions on how the issuer will treat you if you run into financial problems, says McClary.

Will you lose points or benefits? Will you be hit with late fees or a penalty rate? Ask what those penalties are or look online at the terms and conditions for the card.

Some issuers have programs to slash interest temporarily for customers who get behind, he says. Others don’t. So find out ahead of time what kind of programs the issuer offers that will help you rehabilitate your account and restore your original terms, McClary says.

Ask about the “worst case scenario,” he says. “When do they consider an account to be charged off? And when do they send an account to a collection agency?”

“It may be a little tough to get a hold of that information because it might not be readily available at the customer service level,” says McClary. “You may have to punch it up a level.”





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Consumers are bombarded with over a billion credit card offers each year, promising everything from cash back and zero-interest to free airfare and luxury hotel stays. How are consumers supposed to know which offers fit their needs?

Capital One, Citibank, Discover Card, Barclaycard – you know the names, but do you know the difference? All of them want you to carry their cards, and all of them have great-sounding offers, so how to choose?

Credit card companies want your business, so they advertise their best features – CASH BACK, FREE FLIGHTS, SIGN-UP BONUS, ZERO-PERCENT INTEREST – but they may not be so forthcoming about the full terms and conditions. Consumers may not consider the long-term cost of a credit card when they are tempted with instant gratification and freebies galore.

That’s where Credit-Land.com comes in. Our group of finance experts sort through all the offers so you don’t have to read terms and conditions and stay on the lookout for the best new deals we feature, biggest bonuses, lowest interest rates, and news you need to know. We’ll tell you which offers are too good to pass up and which may not be as good as they sound – and we’ll tell you why.

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If you have excellent credit history, then the best credit card offers are yours for the taking. Earn cash back, plane tickets, hotel stays, discounts on gas, gift cards, and more – all for making the everyday purchases you’d make anyway. Credit-Land.com will help you pick the card that gives you rewards you can use and make your card work for you. Make your money go further and get awesome rewards when you find the perfect credit card for your excellent credit history.

Low interest rates, zero-percent balance transfers, zero-percent on purchases, and credit cards with no annual fee – whatever promotional offer you’re looking for, find it at Credit-Land.com. We have access to the newest and best offers from major credit card issuers, and your good credit history puts you a step ahead of the game when it comes to getting approved for these great money-saving offers.

FOR PEOPLE WITH LIMITED CREDIT HISTORY

If your credit falls into the fair or limited category, you may think that good credit card offers are out of reach for you. While it’s true that the very best offers won’t be available, our experts can show you cards that can help you take advantage of the best offers for fair or limited credit. A prepaid card or a credit card for fair credit may be the best option for you while you work on repairing your credit, as long as you make on time payments to all creditors and keep balances low relative to the credit limit. We’ll show you which card fits your needs.

Got bad credit, or no credit at all? Don’t despair. We can help you find a card to help you establish or rebuild your credit and reach your financial goals. You may rebuild your credit history by making payments to all your creditors on time and keeping account balances low relative to the credit limit. Whether you’re looking for a student card, a secured card, or a guaranteed or instant approval card, we have an offer that will work for you.

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With a decade of experience in credit cards, Credit-Land.com experts are equipped to answer any question you may have. We’ve categorized and published selected responses for your education in our FAQ archive. Need an answer about credit cards? Submit your question today.

A cash back credit card is a card that offers a cash back reward program as an incentive. Essentially, it means that the percentage of the amount spent on purchases is returned to you. This.

There are a lot of services with Mastercard sign in. You can use all of them or just those that suit your lifestyle. Below you will find some of the services you can use as a Mastercard cardholder.

Unfortunately, you can’t earn rewards with this credit card. It doesn’t have any rewards program. It is only applicable for getting credit on purchases at Big Lots. However, if you do want to earn.

There are a lot of rewards credit cards with low interest rates that allow you to earn rewards on purchases, including GameStop purchases. You can choose to earn cash back, bonus points or miles.

The type of card that is best for an individual depends on someone’s spending habits and their overall level of responsibility when it comes to making monthly payments. If you are someone who.

To put it lightly, we wouldn’t recommend you to ever get a Sears credit card, not to mention any other store credit cards. Sears offers discounts or special financing for a short period. However.

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How can i apply for a credit card

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How can i apply for a credit card

Consumers are bombarded with over a billion credit card offers each year, promising everything from cash back and zero-interest to free airfare and luxury hotel stays. How are consumers supposed to know which offers fit their needs?

Capital One, Citibank, Discover Card, Barclaycard – you know the names, but do you know the difference? All of them want you to carry their cards, and all of them have great-sounding offers, so how to choose?

Credit card companies want your business, so they advertise their best features – CASH BACK, FREE FLIGHTS, SIGN-UP BONUS, ZERO-PERCENT INTEREST – but they may not be so forthcoming about the full terms and conditions. Consumers may not consider the long-term cost of a credit card when they are tempted with instant gratification and freebies galore.

That’s where Credit-Land.com comes in. Our group of finance experts sort through all the offers so you don’t have to read terms and conditions and stay on the lookout for the best new deals we feature, biggest bonuses, lowest interest rates, and news you need to know. We’ll tell you which offers are too good to pass up and which may not be as good as they sound – and we’ll tell you why.

INTERACTIVE CREDIT CARD TOOLS

BALANCE TRANSFER CALCULATOR

Carrying a balance? Find out how much you’ll save – and how much faster you’ll pay it off – by transferring your balance to a new card.

CREDIT SCORE SIMULATOR

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See possible changes to your credit score if you close your credit card, pay off the card balance, or if you get a new card.

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GAS REWARDS CREDIT CARDS: GET UP TO 5% REBATE.

COMPARE CREDIT OFFERS

FOR PEOPLE WITH PERFECT CREDIT HISTORY

If you have excellent credit history, then the best credit card offers are yours for the taking. Earn cash back, plane tickets, hotel stays, discounts on gas, gift cards, and more – all for making the everyday purchases you’d make anyway. Credit-Land.com will help you pick the card that gives you rewards you can use and make your card work for you. Make your money go further and get awesome rewards when you find the perfect credit card for your excellent credit history.

Low interest rates, zero-percent balance transfers, zero-percent on purchases, and credit cards with no annual fee – whatever promotional offer you’re looking for, find it at Credit-Land.com. We have access to the newest and best offers from major credit card issuers, and your good credit history puts you a step ahead of the game when it comes to getting approved for these great money-saving offers.

FOR PEOPLE WITH LIMITED CREDIT HISTORY

If your credit falls into the fair or limited category, you may think that good credit card offers are out of reach for you. While it’s true that the very best offers won’t be available, our experts can show you cards that can help you take advantage of the best offers for fair or limited credit. A prepaid card or a credit card for fair credit may be the best option for you while you work on repairing your credit, as long as you make on time payments to all creditors and keep balances low relative to the credit limit. We’ll show you which card fits your needs.

Got bad credit, or no credit at all? Don’t despair. We can help you find a card to help you establish or rebuild your credit and reach your financial goals. You may rebuild your credit history by making payments to all your creditors on time and keeping account balances low relative to the credit limit. Whether you’re looking for a student card, a secured card, or a guaranteed or instant approval card, we have an offer that will work for you.

FREQUENTLY ASKED QUESTIONS

With a decade of experience in credit cards, Credit-Land.com experts are equipped to answer any question you may have. We’ve categorized and published selected responses for your education in our FAQ archive. Need an answer about credit cards? Submit your question today.

A cash back credit card is a card that offers a cash back reward program as an incentive. Essentially, it means that the percentage of the amount spent on purchases is returned to you. This.

There are a lot of services with Mastercard sign in. You can use all of them or just those that suit your lifestyle. Below you will find some of the services you can use as a Mastercard cardholder.

Unfortunately, you can’t earn rewards with this credit card. It doesn’t have any rewards program. It is only applicable for getting credit on purchases at Big Lots. However, if you do want to earn.

There are a lot of rewards credit cards with low interest rates that allow you to earn rewards on purchases, including GameStop purchases. You can choose to earn cash back, bonus points or miles.

The type of card that is best for an individual depends on someone’s spending habits and their overall level of responsibility when it comes to making monthly payments. If you are someone who.

To put it lightly, we wouldn’t recommend you to ever get a Sears credit card, not to mention any other store credit cards. Sears offers discounts or special financing for a short period. However.

How can i apply for a credit card

Our Experts will be happy to answer all your questions!

* See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Now” button you can review the credit card terms and conditions on the credit card issuer’s web site. Information in these articles is brought to you by www.Credit-Land.com. Banks, issuers, and credit card companies mentioned in the articles do not endorse or guarantee, and are not responsible for, the contents of the articles.

* The Credit-Land.com webpage is a free service and an information resource for credit cards and financial products and services available to eligible United States consumers. Credit-Land.com does not offer any warranties and is not a direct service. There are no guarantees for approval or offers when applying for a credit card. Please refer to the application if you would like more information on each credit card. When you click “Apply” for a particular credit card, please take the time to review the terms and conditions of the product/service at the issuer’s website. All logos on the Credit-Land.com website are property of their respective owners.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer. Opinions expressed here are the author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. Reasonable efforts are made to present accurate info, however all info is presented without warranty. Consult a card’s issuing bank for terms & conditions.





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Why should I use Smart Search

Using Smart Search makes you less likely to be one of the millions of people who get declined for credit cards every year. Smart Search shows you which cards you’re most likely to be accepted for, so you can avoid the ones that are more likely to decline you. Getting declined can damage your credit score, and this makes it harder to borrow money in the future.

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Buying Mood Index

GUIDES

Why use a credit card

Credit cards come in all shapes sizes, finding one that suits you can make a world of difference to your pocket.

What type of credit card is best for me

A credit card can be a useful addition to any wallet, purse or pocket. Find out what type of card will suit you best.

What is a balance transfer

Find out more about how balance transfer credit cards work and what s available.

Guide to credit card protection

What is a good credit score

A guide to student credit cards

What is a credit card

The advantages and disadvantages of credit cards

Will I be accepted for a credit card

Explore more credit cards

Can’t find what you’re looking for? Try looking at our news, views and in-depth credit cards guides

Credit card companies

Ready to look at credit cards?

Frequently asked questions

It’s hard to imagine life without a credit card as these days you can use them almost anywhere, anytime. Perhaps you want to splash out in the sales, treat your family to a holiday or maybe indulge in some online shopping. There’s no doubt that credit cards can be a quick and easy way to pay for a wide range of goods and services. Plus, you can spread the cost over several months, allowing you to budget. But picking the right credit card can be confusing as there are so many different deals on the market. Our guide explains how credit cards work – and how to select the right card for you.

What is a credit card?

A credit card is basically a loan, but if you clear your balance in full when you receive your monthly statement, the loan is interest free. If you can’t afford to pay off the outstanding debt, you can make monthly payments, but you will normally be charged interest. The rates vary, but 19% is typical.

Credit card comparison

When using our credit card comparison tool, decide what you are going to use the card for. You can choose between balance transfer cards, purchase cards, money transfer cards, cards that reward your spending and cards to use abroad

  • 0% purchase cards: enable you to buy items upfront, while paying off the amount you’ve spent over a stated period without incurring any interest charges.
  • Balance transfer cards: enable you to transfer an existing credit card balance to a new card that charges less interest.
  • Reward cards: – these cards offer cashback or loyalty points.

If you want to use a card for shopping, there’s little point in applying for a 0% balance transfer rate. Shoppers should search for a deal that offers a low rate on purchases. Some cards, for example, charge 0% on purchases for a number of months, and they can be a cost effective way to pay for a big ticket item, such as a washing machine or sofa. If you clear the debt before the 0% deal expires, you will pay no interest whatsoever.

Low rate cards are better suited to people who are not able to pay their balance in full each month. There is no introductory interest rate offer. Instead, you will pay a relatively low rate of interest for as long as it takes to clear your debt.

People who have run up debts on another card or cards at a high rate of interest can save money with a balance transfer deal. Let’s say you have accumulated debts of £3000 on a card that charges interest at 19%. If you switch the outstanding balance to a card that charges 0% interest for 24 months, you can instantly cut the cost of your debt.

Reward cards are ideal if you pay off your balance every month as the interest rate is irrelevant. You can therefore look out for a card that offers cashback or loyalty points.

There are also various deals available for people who take their credit card abroad and for those who have a poor credit history.

Pros and cons of credit cards

Credit cards can be a great way to pay for goods and services without having to stump up the money upfront. You can even use your credit card like an interest-free loan, allowing you to borrow money for free. You also get some protection under the Consumer Credit Act if you buy something with a credit card.

But let’s not forget that it’s easy to run up expensive debts with a credit card, especially if you pay off only the minimum balance each month. You can also get into financial difficulty if you don’t stick to the rules. For example, most companies charge a penalty if you miss a payment, make a late payment or breach your credit limit. Bear in mind, too, that most issuers reserve their best deals for people with a spotless credit record, so your application could be turned down.

Find the right credit card

The best credit card for you depends on whether you will pay off your balance each month and how you intend to use the card. Smart Search will ask you a selection of questions to help determine which type of credit card best suits your needs, without leaving a mark on your credit file.

There are hundreds of different credit card deals but you can compare all the leading offers quickly and easily with Moneysupermarket’s online service. So, whether you want to switch a balance or you are looking for a 0% deal on purchases, we have all the information you need at the click of a mouse.

Moneysupermarket is a credit broker – this means we’ll show you products offered by lenders. We never take a fee from customers for this broking service. Instead we are usually paid a fee by the lenders – though the size of that payment doesn’t affect how we show products to customers.

How can i apply for a credit card





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Applying for a Credit Card

It is quick, easy and secure to apply for a credit card online. Search, compare and apply for the card that s right for you by filling out a credit application form online. Receive a credit decision right away or within a few days of applying for a card.

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Learn How To Apply For A Lowe s Credit Card And Find Out What You Will Need For Your Application

Applying for any credit card can be complicated, but it doesn’t have to be. Here are a few things you need to know about applying for the Lowe’s credit card that will make the process a breeze for you.

Any time you apply for any credit card, you’ll need to provide certain information before they can approve your application. This is the information Lowe’s will need from you.

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You Will Need All This Information Handy During Your Application

• Housing type—This is optional, but what you answer will help Lowe’s determine the risk of supplying you with credit. This also can impact your limit and the APR. No option in housing type (rent, own or other) will automatically disqualify you.

• Phone number and phone type—This is the number the company will call if they need to, so it should be a phone you have around on a regular basis.

• Email address—This is how you’ll stay updated on payments and statements, so make sure it’s one you use often.

• Social security number—Providing this information can be scary, but it’s essential to the credit application. Your social security number is the way the bank (in this case, Synchrony Bank, via Lowe’s) can confirm you are who you say you are in the application.

• Date of birth—You must be at least 18 to apply for a credit card.

• Annual net income—The amount of money you make per year plays a large role in determining the amount of credit you get once approved. Your net income is the amount you have once taxes are removed. You can include whatever income you rely on for credit, including alimony, child support and assets.Once you’re armed with this information, you’re ready to apply for a Lowe’s credit card.

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How to Apply for a Lowe s Credit Card

You may apply for a Lowe’s credit card within the store. In that case, one of their employees will walk you through the process. If you’d prefer not to leave the comfort of your home to apply, this is how to do so online. Go to the Lowe’s website. Among all the advertised deals, there may be a banner for applying for the credit card. If you don’t see it, don’t worry. Just scroll to the bottom of the page. There’s a button near the bottom (where there’s information about other stores and customer service) that’s shaped like a card. It says Lowe’s Credit Card. Click it. This will take you to the Lowe’s credit center. There are two types of cards you can check out. Unless you’re looking on behalf of your business, you’ll want the Lowe’s Advantage Card. Click the button beside it to learn more. You’ll end up on a page that touts the benefits of the card. Review those if you’d like, and when you’re ready, click the APPLY NOW button near the center of the screen. Once you do that, the site will ask what design you want. After you pick, it will take you to the application form. Provide your information and you’re good to go. Credit is never something to be used lightly, but if wielded effectively, it can play a huge role in providing you will with the tools you need. When it comes to the Lowe’s credit card, it will literally provide you with those tools, and the process is so simple. If you’re thinking of applying, now’s the time to do it.





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Credit cards are the most up-to-date way to manage one’s expenses. But not everybody has good credit to take the best online card offers. At Rebuild-Credit-Cards.com customers can find online offers for bad credit history, limited and no credit history cards.

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Rebuild-Credit-Cards.Com strives to keep credit card information up to date and accurate. However, all the credit card information is presented without warranty and can be changed by the credit card issuers at any time. Click the “Apply online” button to see the online credit card application and to review current credit card terms and conditions. Note that Rebuild-Credit-Cards.Com can be compensated by credit card issuers when the visitors apply for a credit card through the website.

*See the credit card’s terms and conditions on the online application page. Note that this website may be compensated by credit card issuers when the visitor applies for a card through the links on this website. We do our best to maintain all information accurate and up to date. However, we do not warrant the credit card information won’t change. Click the “Apply Online” button and review the current info on the secure credit card terms page.





Credit Cards – Our Best 0% Credit Card Deals, apply for credit card.#Apply #for #credit #card

Compare credit cards

Whatever type of credit card you’re

looking for our Smart Search can help:

We’ll show you cards likely to say YES

Searching WON’T harm your credit score

Fast and easy to use

Compare credit cards

Compare more than 100 credit cards instantly and find top deals on: 0%

balance transfers, 0% purchases, cashback and rewards. Plus get exclusive deals you

can’t get anywhere else.

Why should I use Smart Search

Using Smart Search makes you less likely to be one of the millions of people who get declined for credit cards every year. Smart Search shows you which cards you’re most likely to be accepted for, so you can avoid the ones that are more likely to decline you. Getting declined can damage your credit score, and this makes it harder to borrow money in the future.

How does it work?

Why do I have to give you my personal information?

How long does it take?

Why can’t I just look at a list of cards?

Credit cards. Trust us to explain them simply

EXPLORE

0 balance transfer credit cards

0 purchase credit cards

Low fee balance transfer credit cards

Credit cards for bad credit

Credit Builder credit cards

Balance transfers and purchases

Reward credit cards

Overseas spending credit cards

Low rate credit cards

Money transfer credit cards

Airline credit cards

Cashback credit cards

Credit card calculator

No-fee balance transfer cards

Which kind of credit card is right for you

Choosing a credit card

Premium Credit Cards

Interest free credit cards

MoneySuperMarket s exclusive credit cards

Charge cards

Platinum credit cards

MasterCard credit cards

Buying Mood Index

GUIDES

Why use a credit card

Credit cards come in all shapes sizes, finding one that suits you can make a world of difference to your pocket.

What type of credit card is best for me

A credit card can be a useful addition to any wallet, purse or pocket. Find out what type of card will suit you best.

What is a balance transfer

Find out more about how balance transfer credit cards work and what s available.

Guide to credit card protection

What is a good credit score

A guide to student credit cards

What is a credit card

The advantages and disadvantages of credit cards

Will I be accepted for a credit card

Explore more credit cards

Can’t find what you’re looking for? Try looking at our news, views and in-depth credit cards guides

Credit card companies

Ready to look at credit cards?

Frequently asked questions

It’s hard to imagine life without a credit card as these days you can use them almost anywhere, anytime. Perhaps you want to splash out in the sales, treat your family to a holiday or maybe indulge in some online shopping. There’s no doubt that credit cards can be a quick and easy way to pay for a wide range of goods and services. Plus, you can spread the cost over several months, allowing you to budget. But picking the right credit card can be confusing as there are so many different deals on the market. Our guide explains how credit cards work – and how to select the right card for you.

What is a credit card?

A credit card is basically a loan, but if you clear your balance in full when you receive your monthly statement, the loan is interest free. If you can’t afford to pay off the outstanding debt, you can make monthly payments, but you will normally be charged interest. The rates vary, but 19% is typical.

Credit card comparison

When using our credit card comparison tool, decide what you are going to use the card for. You can choose between balance transfer cards, purchase cards, money transfer cards, cards that reward your spending and cards to use abroad

  • 0% purchase cards: enable you to buy items upfront, while paying off the amount you’ve spent over a stated period without incurring any interest charges.
  • Balance transfer cards: enable you to transfer an existing credit card balance to a new card that charges less interest.
  • Reward cards: – these cards offer cashback or loyalty points.

If you want to use a card for shopping, there’s little point in applying for a 0% balance transfer rate. Shoppers should search for a deal that offers a low rate on purchases. Some cards, for example, charge 0% on purchases for a number of months, and they can be a cost effective way to pay for a big ticket item, such as a washing machine or sofa. If you clear the debt before the 0% deal expires, you will pay no interest whatsoever.

Low rate cards are better suited to people who are not able to pay their balance in full each month. There is no introductory interest rate offer. Instead, you will pay a relatively low rate of interest for as long as it takes to clear your debt.

People who have run up debts on another card or cards at a high rate of interest can save money with a balance transfer deal. Let’s say you have accumulated debts of £3000 on a card that charges interest at 19%. If you switch the outstanding balance to a card that charges 0% interest for 24 months, you can instantly cut the cost of your debt.

Reward cards are ideal if you pay off your balance every month as the interest rate is irrelevant. You can therefore look out for a card that offers cashback or loyalty points.

There are also various deals available for people who take their credit card abroad and for those who have a poor credit history.

Pros and cons of credit cards

Credit cards can be a great way to pay for goods and services without having to stump up the money upfront. You can even use your credit card like an interest-free loan, allowing you to borrow money for free. You also get some protection under the Consumer Credit Act if you buy something with a credit card.

But let’s not forget that it’s easy to run up expensive debts with a credit card, especially if you pay off only the minimum balance each month. You can also get into financial difficulty if you don’t stick to the rules. For example, most companies charge a penalty if you miss a payment, make a late payment or breach your credit limit. Bear in mind, too, that most issuers reserve their best deals for people with a spotless credit record, so your application could be turned down.

Find the right credit card

The best credit card for you depends on whether you will pay off your balance each month and how you intend to use the card. Smart Search will ask you a selection of questions to help determine which type of credit card best suits your needs, without leaving a mark on your credit file.

There are hundreds of different credit card deals but you can compare all the leading offers quickly and easily with Moneysupermarket’s online service. So, whether you want to switch a balance or you are looking for a 0% deal on purchases, we have all the information you need at the click of a mouse.

Moneysupermarket is a credit broker – this means we’ll show you products offered by lenders. We never take a fee from customers for this broking service. Instead we are usually paid a fee by the lenders – though the size of that payment doesn’t affect how we show products to customers.

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When looking to get a credit card, there are a variety of things you should consider. If you want a rewards card to use frequently, you might not mind paying a $100 or $200 annual fee. You should also consider the regular APR (as opposed to the introductory rate) and the interest rate. A good interest rate is dependent on how you will use the card. For example, a 20% interest rate is fine if you plan on paying off the balance every month.

It pays to ask these kinds of questions before you fill out the application form. Here are 9 questions you want answered before you sign on the dotted line.

The “very first question” the consumer should ask is, “Why am I applying for this card? Why do I need this card?” says Bruce McClary, media director for ClearPoint Credit Counseling Solutions, a nonprofit affiliated with the National Foundation for Credit Counseling

Some positive reasons: The card has low or no fees, a lower interest rate or offers a rewards program that suits your spending habits. “It has to make sense, and it has to fit into your overall lifestyle,” McClary says.

Do you pay off your credit card balances every month? If so, “you don’t care what the interest rate is because you won’t pay any,” says Ric Edelman, author of “The Truth About Money.” “But you care about the (annual) fee,” he says.

If you run a balance, you want the lowest rate you can get, even if that comes with an annual fee.

One clue to your usage: “Look at your past history,” says Edelman. “Because what you’ve done before is what you will be doing.”

If you’re shopping for a card, chances are you’re comparing card terms. But if an issuer sends you an offer, it’s tempting to apply and see what you get.

“It’s really difficult to pick one (in isolation),” says Kelly Rogers, chief development officer for the Consumer Credit Counseling Service of Orange County and adjunct faculty at Chapman University. “If someone just shows you one car, how do you know if it’s the right car for you?”

Her advice: Do a side-by-side comparison of several different cards before you apply.

Don’t be afraid to plug the card name, “complaints” and “customer service” into your favorite search engine. “I go through and see who has the least amount of complaints and issues,” says Rogers.

Some cards will give you a range of rates you could get, but often that window is pretty wide, says Nick Bourke, director of the Safe Credit Card Project at The Pew Charitable Trusts. Other cards may offer a specific rate (or terms) and either approve or reject you.

If you’re operating totally in the dark, you have another option: Apply by phone and push for an answer on your rate and credit line before the account is opened.

While there are no guarantees, sometimes you can get an answer, says Bourke.

“I’ve actually done this myself,” he says, admitting “you do have to go pretty far in the process.”

You may have to ask for the department that’s actually evaluating your application to get an answer, he says.

“The thing that you want to do is when you’re talking to the person on the phone taking your application is you want to push them as hard as you can to get your APR and credit line,” Bourke says. Then, once you have the information and before the account is opened in your name, “you can say yes or no at that point,” he says.

According to the Credit Card Accountability, Responsibility and Disclosure Act of 2009, if a card offers a lower interest rate during an introductory period, the promotional rate has to last at least six months. While that introductory offer may be appealing, the regular rate is what you’re really buying.

So find out when the introductory APR expires and what the new rate will be. You can find this information online in the terms and conditions for the card or you can ask a service representative.

Another smart question: How long is that grace period? “Some cards start charging interest immediately,” says Edelman. A card can have different grace periods for balance transfers and cash advances than it does for purchases.

You can find information about the grace period in the credit card offer, thanks to federal rules that took effect in 2010. Look for a summary table of rate and fee disclosures, which will include a statement that explains how to avoid paying interest.

If you’re getting the card for points or rewards, this is one you definitely need to ask, says Josh Frank, senior researcher with the Center for Responsible Lending. Some issuers will revoke rewards if you’re late with a payment by even one day, he says.

“A lot of times, the answer they will give you is that they can take away or reduce your rewards for any reason,” he says. While that’s true, the issuer will have a policy on revoking or reducing points, and that’s what you want to ask about, he says. Under what specific circumstances would they reduce or eliminate a customer’s points?

In most cases, “this is one the customer service agent should know the answer to,” he says.

Some card issuers use your purchase records to assess your ongoing creditworthiness.

That means if you suddenly use your card to purchase retread tires, pay for a session with a marriage counselor or make a purchase at a market on a sketchy side of town, you could see your APR climb or your credit limit fall, says Frank. If you see this practice as an invasion of privacy, ask beforehand if the issuer does this, he says.

How to phrase it: Can my transactions ever be used in rating my credit risk?

And that’s one question the customer service representative “might not know the answer to,” says Frank. “You might want to ask them to transfer you to the credit department manager.”

If you are guaranteeing a card account by co-signing for a college student, ask if you will be on the hook for the debt after the other party turns 21, says Chi Chi Wu, staff attorney for the National Consumer Law Center.

Many times, “there is nothing to prevent the issuers from saying you’re going to be guaranteeing this card 15 years from now — long after junior is out of college,” she says.

In addition, find out exactly what has to be done to get you off the account. Are you free to complete those steps yourself? Or will you need the cooperation of someone who might not want you — and those charging privileges — to go away?

Federal regulations limit your liability for unauthorized credit card charges to $50 if you report it within two business days. The longer you wait, the more you may lose. Many issuers cap losses at zero dollars, provided you follow a few rules. So find out how the card would handle charges you didn’t make, says McClary.

Also, does the issuer monitor usage and shut down the card if it sees out-of-the-ordinary charges or spending locations? That feature can be great if you always use the card for the same types of purchases in the same geographic area, but cumbersome if you’re getting the card for travel.

While it sounds counterproductive, you want to ask some detailed questions on how the issuer will treat you if you run into financial problems, says McClary.

Will you lose points or benefits? Will you be hit with late fees or a penalty rate? Ask what those penalties are or look online at the terms and conditions for the card.

Some issuers have programs to slash interest temporarily for customers who get behind, he says. Others don’t. So find out ahead of time what kind of programs the issuer offers that will help you rehabilitate your account and restore your original terms, McClary says.

Ask about the “worst case scenario,” he says. “When do they consider an account to be charged off? And when do they send an account to a collection agency?”

“It may be a little tough to get a hold of that information because it might not be readily available at the customer service level,” says McClary. “You may have to punch it up a level.”





Pay Taxes by Credit or Debit Card, Internal Revenue Service, apply for a credit card with no credit.#Apply #for #a #credit #card #with #no #credit

Pay Your Taxes by Debit or Credit Card

You can pay by internet, phone, or mobile device whether you e-file, paper file or are responding to a bill or notice. It’s safe and secure – the IRS uses standard service providers and business/commercial card networks, and your information is used solely to process your payment.

  • Your payment will be processed by a payment processor who will charge a processing fee.
  • The fees vary by service provider and may be tax deductible.
  • No part of the service fee goes to the IRS.
  • Your information is used solely to process your payment.

(WorldPay US, Inc.)

855-508-0159 Live Operator

1-615-942-1141 Live Operator

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Minimum fee $2.69

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($3.95 flat fee for

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Paying with your Debit or Credit Card? Understand that:

  • Fees differ from those in the table above when you choose the integrated IRS e-file and e-pay option. View your options.
  • Not all IRS tax forms are eligible for payment by credit or debit card, and there are limits on how often you can make individual and business payments. Visit the frequency limit table by type of tax payment for details.
  • High balance payments of $100,000+ may require coordination with your provider.
  • You usually can’t cancel payments.
  • You can’t make Federal Tax Deposits.
  • You can’t get an immediate release of a Federal Tax Lien. Refer to Publication 1468, Guidelines for Processing Notice of Federal Tax Lien Documents, for payment options.
  • This form of payment eliminates your need for a voucher.
  • Your card statement will list this payment as “United States Treasury Tax Payment.” The convenience fee paid to your provider will be listed as “Tax Payment Convenience Fee” or something similar.
    • The fee is deductible for personal tax types as a miscellaneous itemized deduction. However, only those miscellaneous expenses that exceed 2 percent of the adjusted gross income can be deducted. For more information, refer to Publication 529, Miscellaneous Deductions.
    • For business tax types, the fee is a deductible business expense.
  • If you overpaid, IRS will refund it after the return is processed, excepting offsets or debt on your account.

For more information on other electronic payment options, please visit the Payments Home Page.





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When looking to get a credit card, there are a variety of things you should consider. If you want a rewards card to use frequently, you might not mind paying a $100 or $200 annual fee. You should also consider the regular APR (as opposed to the introductory rate) and the interest rate. A good interest rate is dependent on how you will use the card. For example, a 20% interest rate is fine if you plan on paying off the balance every month.

It pays to ask these kinds of questions before you fill out the application form. Here are 9 questions you want answered before you sign on the dotted line.

The “very first question” the consumer should ask is, “Why am I applying for this card? Why do I need this card?” says Bruce McClary, media director for ClearPoint Credit Counseling Solutions, a nonprofit affiliated with the National Foundation for Credit Counseling

Some positive reasons: The card has low or no fees, a lower interest rate or offers a rewards program that suits your spending habits. “It has to make sense, and it has to fit into your overall lifestyle,” McClary says.

Do you pay off your credit card balances every month? If so, “you don’t care what the interest rate is because you won’t pay any,” says Ric Edelman, author of “The Truth About Money.” “But you care about the (annual) fee,” he says.

If you run a balance, you want the lowest rate you can get, even if that comes with an annual fee.

One clue to your usage: “Look at your past history,” says Edelman. “Because what you’ve done before is what you will be doing.”

If you’re shopping for a card, chances are you’re comparing card terms. But if an issuer sends you an offer, it’s tempting to apply and see what you get.

“It’s really difficult to pick one (in isolation),” says Kelly Rogers, chief development officer for the Consumer Credit Counseling Service of Orange County and adjunct faculty at Chapman University. “If someone just shows you one car, how do you know if it’s the right car for you?”

Her advice: Do a side-by-side comparison of several different cards before you apply.

Don’t be afraid to plug the card name, “complaints” and “customer service” into your favorite search engine. “I go through and see who has the least amount of complaints and issues,” says Rogers.

Some cards will give you a range of rates you could get, but often that window is pretty wide, says Nick Bourke, director of the Safe Credit Card Project at The Pew Charitable Trusts. Other cards may offer a specific rate (or terms) and either approve or reject you.

If you’re operating totally in the dark, you have another option: Apply by phone and push for an answer on your rate and credit line before the account is opened.

While there are no guarantees, sometimes you can get an answer, says Bourke.

“I’ve actually done this myself,” he says, admitting “you do have to go pretty far in the process.”

You may have to ask for the department that’s actually evaluating your application to get an answer, he says.

“The thing that you want to do is when you’re talking to the person on the phone taking your application is you want to push them as hard as you can to get your APR and credit line,” Bourke says. Then, once you have the information and before the account is opened in your name, “you can say yes or no at that point,” he says.

According to the Credit Card Accountability, Responsibility and Disclosure Act of 2009, if a card offers a lower interest rate during an introductory period, the promotional rate has to last at least six months. While that introductory offer may be appealing, the regular rate is what you’re really buying.

So find out when the introductory APR expires and what the new rate will be. You can find this information online in the terms and conditions for the card or you can ask a service representative.

Another smart question: How long is that grace period? “Some cards start charging interest immediately,” says Edelman. A card can have different grace periods for balance transfers and cash advances than it does for purchases.

You can find information about the grace period in the credit card offer, thanks to federal rules that took effect in 2010. Look for a summary table of rate and fee disclosures, which will include a statement that explains how to avoid paying interest.

If you’re getting the card for points or rewards, this is one you definitely need to ask, says Josh Frank, senior researcher with the Center for Responsible Lending. Some issuers will revoke rewards if you’re late with a payment by even one day, he says.

“A lot of times, the answer they will give you is that they can take away or reduce your rewards for any reason,” he says. While that’s true, the issuer will have a policy on revoking or reducing points, and that’s what you want to ask about, he says. Under what specific circumstances would they reduce or eliminate a customer’s points?

In most cases, “this is one the customer service agent should know the answer to,” he says.

Some card issuers use your purchase records to assess your ongoing creditworthiness.

That means if you suddenly use your card to purchase retread tires, pay for a session with a marriage counselor or make a purchase at a market on a sketchy side of town, you could see your APR climb or your credit limit fall, says Frank. If you see this practice as an invasion of privacy, ask beforehand if the issuer does this, he says.

How to phrase it: Can my transactions ever be used in rating my credit risk?

And that’s one question the customer service representative “might not know the answer to,” says Frank. “You might want to ask them to transfer you to the credit department manager.”

If you are guaranteeing a card account by co-signing for a college student, ask if you will be on the hook for the debt after the other party turns 21, says Chi Chi Wu, staff attorney for the National Consumer Law Center.

Many times, “there is nothing to prevent the issuers from saying you’re going to be guaranteeing this card 15 years from now — long after junior is out of college,” she says.

In addition, find out exactly what has to be done to get you off the account. Are you free to complete those steps yourself? Or will you need the cooperation of someone who might not want you — and those charging privileges — to go away?

Federal regulations limit your liability for unauthorized credit card charges to $50 if you report it within two business days. The longer you wait, the more you may lose. Many issuers cap losses at zero dollars, provided you follow a few rules. So find out how the card would handle charges you didn’t make, says McClary.

Also, does the issuer monitor usage and shut down the card if it sees out-of-the-ordinary charges or spending locations? That feature can be great if you always use the card for the same types of purchases in the same geographic area, but cumbersome if you’re getting the card for travel.

While it sounds counterproductive, you want to ask some detailed questions on how the issuer will treat you if you run into financial problems, says McClary.

Will you lose points or benefits? Will you be hit with late fees or a penalty rate? Ask what those penalties are or look online at the terms and conditions for the card.

Some issuers have programs to slash interest temporarily for customers who get behind, he says. Others don’t. So find out ahead of time what kind of programs the issuer offers that will help you rehabilitate your account and restore your original terms, McClary says.

Ask about the “worst case scenario,” he says. “When do they consider an account to be charged off? And when do they send an account to a collection agency?”

“It may be a little tough to get a hold of that information because it might not be readily available at the customer service level,” says McClary. “You may have to punch it up a level.”





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*Subject to identification, residency – See terms and conditions. Cardholder must be at least 18 years of age. ***ATM charges may apply.

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CardOneBanking is a trading style of Spectrum Card Services Limited (Registered in England Wales No. 6052256), which is a registered agent of Spectrum Payment Services Limited (Registered in England Wales No. 6268340) under the FCA’s Payment Services Regulations 2009. Registered Office: 3rd Floor, Vintners’ Place, 68 Upper Thames St. London. EC4V 3BJ. Spectrum Payment Services Limited is authorised by the Financial Conduct Authority under the Payment Service Regulations 2009 No. 504547 for the provision of payment services.

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Understanding how to make the most of your money should be as easy as your banking experience. That s why Alliant provides financial advice you can use every day. Visit The Money Mentor to start learning today!

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Why do our members love being part of Alliant? Find out below.

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@AlliantCU Thanks for providing great resources and stellar customer service! Your customer rep Jessie was outstanding during our call.

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33. Alliant Credit Union, Chicago, IL. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government – National Credit Union Administration (NCUA), a U.S. Government Agency.

34. We may provide links to third party sites, independent from Alliant Credit Union. These links are provided only as a convenience. Alliant Credit Union does not manage the operation or content of the website you are about to enter. The privacy and security policies of the site may differ from those of Alliant Credit Union.

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