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Find the lowest rates and best deals on credit cards for good or bad
Choose a low interest credit card that is right for you. Select from
Visa, MasterCard, American Express,
or Discover. We can find you the best deals and offers with the lowest
interest rates. Whether or not you have good or bad credit, you can
still get a great deal and competitive rates on all credit card.
Apply for and get a Credit Card
online, it's quick and simple. Choose a credit card that matches your
needs. Even if you have bad credit problems, we can still help you get a
Even with a declared bankruptcy, bad credit history, delinquencies, or
late payments, you can still get a credit card. Owning a credit card and
making regular monthly payments is a great way to re-establish and start
rebuilding your credit again.
Citi® Diamond Preferred® Rewards Card
0% APR* on balance transfers for nine months
● $50 gift card - Redeem 5,000 bonus points after first purchase*
● 5 reward points for every $1 spent on purchases at supermarkets
● No annual fee and FREE rewards program
points for all kinds of rewards: home, electronics, sports, dining,
travel and more. There’s no fee to participate and points are easy
to earn and redeem.
AT&T Universal Cash Rewards Card
● Earn 5% Cash back on purchases and calling card calls.*
● 0% APR on Balance Transfers until 02/01/2005 *
● Enjoy a competitive interest rate on purchases.
● No annual fee.*
● Shop confidently with our Online Guarantee.
convenience of a credit card and a calling card combined in one,
with no annual fee!
The Chase PerfectCard
6% rebate on all gas purchases made at any gas station
● After that, you'll earn a 3% rebate on all gas purchases.
● Earn a 1% rebate on all other purchases
● 0% Introductory APR* on balance transfers
● Purchase Protection
gas rebate cards had their limits: one brand of gas and that was it.
Those days are over. Earn rebates on all of your gas purchases with
the Chase Perfect Card Perfectly Rewarding.
Chase CashBuilder MasterCard®
No annual fee
● Up to 2% cash rewards on new purchases.
● 0% introductory APR on balance transfers
● No balance transfer fee for balances transferred during the
reach your Registration Date Anniversary, you will receive your cash
reward in the mail. Cash rewards are limited to $500 each year. For
more information on how to earn Chase Cash Builder rewards click
Discover Titanium Card
0% Intro APR*
● Then a low 9.9% everyday APR
● No Annual Fee
● 100% Fraud Protection
● Up to $50,000 Credit Limit
Introducing the Discover Titanium Card! Get a 0% Intro APR then a
low 9.9% everyday APR! Plus No Annual Fee and Up to a $50,000 credit
line. Start Saving Today - APPLY NOW! It's fast, easy and secure.
Blue from American Express
● 0% Intro APR for up to 15 months.
● Then a fixed APR as low as 7.99%
● No annual fee
● 7.99% fixed APR on balance transfers
from American Express Redefine what a credit card can do for you!
Online Fraud Protection Guarantee--protects you against unauthorized
purchases online. Built-in Smart Chip--for added Internet security.
Plus, An Exciting, Free Rewards Program Register for BlueLoot the
totally FEE-FREE online rewards program from Blue.
About Credit Cards
If used correctly, a credit card is a great financial tool. It can be
more convenient to use and carry than cash and it offers valuable
consumer protections under federal law. Here is some important
information that may help you determine whether you're ready for
plastic, what to look for when you select a company to do business with
and how to use your credit card responsibly.
Qualifying for a Credit
If you're at least 18 years old and have a regular source of income,
you're well on your way to qualifying for a credit card. But despite the
invitations from card issuers, you'll still have to demonstrate that
you're a good risk before they grant you credit. The proof is in your
credit record. If you've financed a car loan or other purchase, you
probably have a record at a credit reporting bureau. This credit history
shows how responsible you've been in paying your bills and helps the
credit card issuer decide how much credit to extend.
Before you apply for an online credit card application, you should
get a copy
of your Credit Report to make sure it's accurate. Contact the credit
bureaus listed in the telephone directory under "credit" or "credit
rating and reporting." Because more than one credit bureau may have a
file on you, call each until you locate all the agencies maintaining
your file. The three major national credit bureaus are EQUIFAX,
EXPERIAN, and TRANS UNION.
Using a Credit Card to
Establish a Credit History
If you haven't financed a car loan, a computer, or some
other major purchase. How do you begin to establish credit?
You could consider applying for a credit card issued by a
department store and use it responsibly. Ask if they report
to a credit bureau. If they do and if you pay your bills on
time you'll establish a good credit history. Second,
consider a secured credit card. It requires that you open
and maintain a bank account or other asset account at a
financial institution as security for your line of credit.
Your credit line will be a percentage of your deposit,
typically from 50 to 100 percent. Application and processing
fees are not uncommon for secured credit cards. In addition,
secured credit cards usually carry higher interest rates
than traditional non-secured credit cards. A positive credit
history is an asset, not only when you apply for a credit
card, but also when you apply for a job or insurance, or
when you want to finance a car or a home.
Credit Card Payment Calculator
- This calculator will show how
much interest is paying if you make
only the minimum required payment on your credit
Choosing the Right Credit Card - Compare
the costs and terms of credit cards to find the
best plan that best fits your spending habits.
Credit Card Fraud - This guide shows you
how to prevent credit or charge card fraud with
a few simple steps that make it more difficult
for a crook to capture your card or card numbers.
Credit Card Glossary - this glossary
will help explain credit card terms and definitions.
Credit Card Disclosures - Credit terms
and conditions affect your overall cost, so it
is prudent to compare terms and fees before you
agree to open a credit or charge card account.
Getting started with Credit Cards - A
credit card is a great financial tool, if used
correctly it can be more convenient to use and
carry than cash and it offers valuable consumer
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