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Credit Card eZine - News and Articles about Credit Cards

Credit Card eZine - News and Articles about Credit Cards

Get even more information on credit cards? Read our Credit Card eZine. The section is regularly updated by our specialists. Learn all the financial tricks. Know the pitfalls and hidden bonuses. Find out how to transfer balances and accumulate points. We will tell you about the latest offers on the market.Get your credit card education and make the most out of your plastic.

Credit card reward deals can be pretty nice- if one card says all!

2007-06-14

Most people advise against using a single way of financing for all of your needs. However, when it comes to credit card rewards programs it is highly advised to just use one quality card that can be used for all of your needs! Credit card companies are in high competition with each other when it comes to rewards programs because they all want to give the best offers to their consumers.

It doesn’t matter if you have a VISA, MasterCard, Discover or American Express or if it is from HSBC or Citibank- you can get a top credit card deal! If you are interested in earning bonus points just for using your credit card like you already do then prepare to be amazed- cash back credit card deals are offered by all the credit card companies!

When it comes to rewards programs you can deal with cash back rebates and regular rewards. But before you can start spending it is important to have the basic knowledge of how these companies programs work. Most consumers just spend their reward bonus points without fully understanding where and why they are there.

Rewards programs exist because banks have teamed up with retailers and financial institutes across the country and worldwide in order to bring more benefits to consumers. The biggest partners of banks are airlines, hotels, gas stations and retailers such as Wal-Mart and Starbucks- who have popular fan bases. Outside of getting just 0 percent APR and no annual fees, these credit cards can give card holders cash back rebates and frequent flier miles, among other things.

Most rewards program credit cards are pretty similar in characteristics and the top credit card deals have a lot in common. For instance, the best credit card deals all include options between earning cash back and cashing in with merchandise rewards. Many credit card deals also give the consumer the option of having the cash credited back to their accounts or sent to them in check form.

The biggest differences between the best credit card rebates is that some cards specialize in giving cash back while others specialize in rewards such as airline miles. Earning bonus points can be easy if you choose the right card.

Choosing the right card doesn’t have to be difficult. If you want to get the best credit card deal for your lifestyle then you should first examine how you spend your money. If you have a habit of carrying a balance on your credit card statement then you should consider staying away from rewards programs. Why?

Even though these programs are pretty enticing they often come attached with high rates of interest, which means that the more you owe, the more you spend in finance charges. It isn’t uncommon for a rewards credit card to have a 20 percent + APR!

If you know a rewards card is the best bank credit card for you then you next have to decide how you want to get your rewards back. Decide whether getting cash back, frequent flier miles or maybe even gasoline card are what you want. The choice is yours! Usually you will earn 1% cash back, which means for every $100 you spend you get $1 back.

If you are serious about getting the best platinum credit card then look to apply online for a credit card. There you can compare credit cards in virtual terminals to see which ones suit you best. Many people settle for applying for any old credit card application that finds its way to their mailbox. If you want to get the top credit card deals you will have to go looking for them!

If you can hold back from getting more than one rewards credit card you will benefit even more. Obviously, the more you can spend on one card, the quicker the rewards will rack up and the benefits will come to you quicker. To further take advantage of your card, start using it for all the normal purchases you would use cash for- just make sure you are disciplined enough to do it! Many people see the plastic as free money and it isn’t this way at all. Spend within your means and you’ll be fine!

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[Sunday, December 18, 2011]
Chase Bank recently announced the redesign of its Visa credit cards - allowing more space on the front for the Chase logo. This new design is in trial mode currently but Visa has pans to roll out its new design to other financial institutions in order to increase the branding and logo visibility of the individual issuing banks.
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[Friday, October 28, 2011]
Debit and credit: they`re both plastic, why not consolidate them? The Cinncinati-based Fifth Third Bank, is the first to offer the DuoMasterCard which consolidates both a checking and a credit card account into one card.
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[Wednesday, September 21, 2011]
It really pays when you do the right thing. Take credit cards for instance, having a clean credit profile really does help. Those who managed to maintain a squeaky clean credit report during the recession can now jump with joy, as they will get some of the best deals from credit card issuers.
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