Tag Archives: cards offer

About Bad Credit Credit Card Online Applications

June 21, 2020   Loan Tips

Getting a credit card these days is certainly a lot easier that it was years ago. Today, applying for a credit card is often done through the internet, where a card holder can fill-out and submit his application without even leaving his desk.

Getting an approval is just as easy especially if you have a good to excellent credit. Seconds or minutes after submitting your online application, you can expect to get a response right away. After getting approved, it usually takes only 5-7 banking days to receive your credit card by mail. Even those with bad credit history don’t need to have a difficult time applying for a credit card. Credit card issuers have created bad credit credit cards that are especially designed for customers with less-than-perfect credit. Secured credit cards offer customers the chance to rebuild or repair their damaged credit by using the card and submitting their payments on time. In fact, even those with no credit history at all can qualify for a secured credit card to start building credit.

Apply with Caution Since applying and getting approved for a credit card is so easy, consumers are advised to spend more time in studying their choices. There is literally hundreds of choices of credit cards that are available in the market. But of course, not all credit cards offer a good deal. As a consumer, it is up to you to find the right credit card that suits your lifestyle and needs. Most people are concerned about the interest rate offered by the credit card. Although the interest rate offer plays a major factor in your decision, it should not be the only basis for your choice. Take note that some credit cards offer very low rates but the rest of the fees could be expensive. Aside from the rate of interest, don’t forget to consider the other fees (annual fees, late penalty charge, transaction fees, etc.) associated with your card.

Comparing one credit card to the next could take some of your time but it’s certainly worth the effort. Use the internet so you can compare credit cards with more ease and convenience. Check out credit card review web sites that offer evaluations of different cards and issuers in the market. Know what other card holders have to say about specific credit cards based on their personal experiences.

Take the time to read and understand the Terms and Conditions of each card that you’re considering. Remember that the advertisements do not reveal all information about the card. If you want to find out the real costs and terms of a credit card, you should read the fine print from the first statement down to the last.

Finally, when filling out online credit card applications, make sure that you are in the right web site and that it uses a secured server. A secured site’s URL should always begin with https:// and you should see a locked pad icon at the bottom right corner of your browser. Fill-out your application careful and see to it that all information you’ll provide are true and correct.

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Miles Credit Cards – Strategies to Accumulate Miles (Page 1 of 2)

September 24, 2019   Home Mortgage

Put simply, miles credit cards allow cardholders to earn points for every dollar charged on the card. The accumulated points can be redeemed for reduced or, in some instances, free airfare. There are many promotional offers and some cards offer more points than others. To entice the customer, certain miles credit cards offer no annual-rate, no APR fees, additional bonus miles with new sign-ups, balance transfers at reduced or no interest rate for a certain period as well as no blackout date for miles redemption.

Credit card companies have also come up with affinity card programs that allow cardholders to collect airline miles with purchases at some of their most preferred retailing outlets and merchants. This lets cardholders add more miles at a faster rate with purchases from their favorite retailers. On the downside, these cards tend to have high annual fees and interest rates.

Frequent flyers tend to be mostly business travelers, who travel often due to work. However, careful planning can help normal travelers to accumulate good miles. Some tips to accumulate miles at a fast rate are:

1) Utilize Partner Services – Miles cards normally have tie-ins with car rental companies and hotels as part of their marketing strategy that also provide mileage points accumulation. Using these car rental companies or hotels and charging them to the miles card will also help to increase the points accumulated by using necessary travel expenditures.

2) Vacation or Tour Packages – Miles credit cards offer vacation or tour packages to encourage customers to travel and thus to increase demand for their airlines. Once again, by utilizing these vacation or tour packages, cardholders can accumulate more mileage points on the card per trip, earning more points while vacationing.

3) Non-frequent Travelers – For less frequent travelers, it is better to charge any travel related expense to the miles card when you travel. The travel related expenses could be anything from buying souvenirs, groceries, fuel while in a different location, etc, which also helps to accumulate additional miles on the card.

4) Affiliate services – Some miles card programs partner with a network of allied airline carriers. Examples of these kinds of network alliance services include the Star Alliance or Flying Blue programs. If your preferred airline does not fly to the location that you desire, try to choose from another airline that is part of the alliance network, giving cardholders yet another opportunity to accumulated miles.

Most miles credit cards have numerous benefits for frequent flyers. However, the benefits could vary, based on the specific program. Some mile cards provide additional or bonus points while making certain purchases. The points can later be traded for airline miles. Some miles credit card programs allow portability or the transfer of points to other frequent flyer accounts, and some even offer consolidation of all accumulated points to one single card. These earned miles give you free or reduced travel tickets. In addition, most of these cards also offer various other travel-related benefits, including free additional tickets, upgrade opportunities, lost baggage insurance, car rental insurance, and greater coverage amount for travel accident insurance.

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