Credit Card

One of the most obvious strengths of credit cards is their convenience. Having a major Visa, MasterCard, Discover Card or American Express credit card in your wallet means no more running to the bank for cash, counting out change, or hurriedly scribbling in a check book when you need to make a purchase. Credit cards even offer benefits over debit cards, the other piece of plastic many of us carry. While debit cards look like credit cards, they lack some of the benefits of being able to charge. Debit cards, many of which are linked to your checking account, sometimes have 24-hour charging limits, which could prevent you from buying that $900 computer you've had your eye on. Debit cards can even act like credit cards if you sign for a purchase instead of using your PIN number, with the bank usually covering the difference between the amount in your account and the cost of your purchase. However, when the bank acts essentially as a creditor in this manner, you can get slammed with sizable insufficient fund fees for covering your shortcomings. Alternatives to debit cards linked to checking accounts are called prepaid debit cards, which are preloaded with funds and are designed to avoid the pitfalls of spending more than you have.

Finding the Best Credit Card Offers to know the main 1, 2, 3... :

1.Search

Use the Menu on the left to Search for the Type of Card you are looking for. compare

2.Compare

Compare offers side by side in order to determine which card is best for you

3.Apply

Apply for the Credit Card of your choice by filling out a secure online application

Benifits of Credit Card:

Your credit card can help you :

Budget expenses each month, provided you pay your bill in full every time. If you do, your bill then acts as a master receipt that displays an itemized listing of what you spent your hard-earned money on. Some credit cards, especially those from American Express, even categorize your purchases and send quarterly or annual summaries of your spending that provide percentage breakdowns of how much you spent on retail, dining, entertainment, etc. For those of you that have set up an online account with the credit card company, you can likely import the data into some form of personal finance tracking software. The use of a credit card is directly connected to your credit score, the report card for borrowers. The responsible way you handle your credit card is recorded in your credit history for lenders to review. Your high score in that credit report shows how creditworthy you are deemed by other lenders and that you pay your bills on time and spend conservatively. Conversely, irresponsible use of a credit card will produce low credit scores which can result in either being denied for future credit or paying much higher interest rates.

While you usually get hit with charges for not paying your entire bill each month, sometimes the lender will give you a break in the form of the float. The float offered by most credit cards is the grace period you have to avoid interest on a purchase if there is no balance on your card at the time of purchase. That means you get a break from 20 to 30 days during which your lender will not charge interest on your purchase. The float is a great way to avoid paying interest on unexpected expenses or on items that you eventually decide to return.

You can sometimes get the lender to ease the pain associated with things like the annual percentage rate and annual fees. Credit card companies are often open to negotiation, on anything from waiving the annual fee to lowering your APR to excusing a late payment. You just need to ask. To attract a new customer it costs a lender between $50 and $150 for each account. Due to the competition in the industry, it makes sense for your credit card company to do what it can to keep you from leaving them for a competitor.

Credit card companies are major corporations with all the strength that entails. So when you use your credit card, you get to apply that strength in your own favor. Making a costly purchase with plastic gives you immediate purchase protection that you do not get when you pay with cash or some ATM cards. When used for purchases, some credit cards automatically extend your product warranty. If merchants don't deliver what you paid for, the credit card issuer can step in to help. The money you are using to pay for a credit card purchase comes from the issuer, after all.

Finally, making a purchase with your credit card gives you a degree of theft protection. While everyone hopes it will never happen, be sure to let your credit card issuer know if your card is stolen. Most credit card companies will work very hard to resolve theft issues, as fraud is one of the industry's biggest concerns. Generally you will only be responsible for paying back the first $50 of the thief's total spending, which could save you a lot of cash if the crook has expensive tastes. (You may not even have to pay that amount if you ask nicely.) And, if you report the theft immediately, most credit cards offer a zero liability policy, meaning you don't have to pay anything for unauthorized purchases made with your card. Meanwhile, if you have an online account, you will be able to notice fraudulent activity with your card before the next statement arrives in the mail.

Search for a Credit Card by Bank...

1.Chase Manhattan Bank

Chase Manhattan Bank provides many great offers: Platinum, Cash Plus Rewards, Flexible Rewards Card, Value Miles Platinum, Disney, Subaru, Toys "R" Us, Universal Entertainment Card, Gas Rebate Card, Continental Airlines and more.

2.Citibank

Citibank offers a great choice of cards with rewards, 0% APR for up to 12 months, low ongoing APR, no annual fee and instant online decision. Citi Platinum, Dividend, Diamond, Drivers, Upromise, and AT&T Universal Cards.Also see Citi business and student credit cards.

Bank of America

Bank of America Choice Privileges Platinum Visa with low fixed APR, US Airways Visa, Alaska Airlines Card, Asiana Visa Platinum, Hawaiian Airlines Visa, Make-A-Wish Visa Platinum and Anne Geddes Visa® Gold.

3.American Express

American Express Credit Cards can earn up to 5% cash back with Blue CashSM. American Express cards offer free rewards program and great rates. Cards include Blue, Gold and Green Reward cards, Delta SkyMiles, Hilton Platinum, Starwood Preferred and Business Credit Cards.

4.Discover® Card

Discover Bank Introduces the Discover® Platinum Card with Cashback Bonus® Plus Program - Earn up to 10% Cashback on gas purchases, and 0% Intro APR. Choose from various Platinum card designs including Clear, Flag, Wildlife, Sealife Collection and more. Also available Titanium Card, Gold Card, and Student Card.

4.First Premier Bank

First PREMIER Bank offers secured and unsecured credit cards. Get your Credit back on track!

5.Advanta

Advanta Business credit cards offer 0% Intro and as low as 7.99% APR. Choose Between the Platinum Business Card, Advanta Life-of-Balance Platinum and the Advanta Platinum with Rewards.

6.HSBC Bank

HSBC Bank offers Credit Cards that include 5% Earnings and 0% Intro GM Card, the Orchard Bank MasterCard and the HSBC Platinum MasterCard.

7.MasterCard Credit Cards

The MasterCard, along with the Visa Card, are the most widely accepted credit cards in the world. MasterCard is owned by over 20,000 member organizations. They serve customers in over 210 countries, and process over 15 million transactions a day in over 180 currencies.

8.Visa Credit Cards

Visa Credit Cards are the number one credit card used by people around the world, Visa cards offer exceptional convenience and reliability. Visa has unsurpassed acceptance in more than 150 countries, as well as at Internet merchants. And with a Visa credit card, you can get cash at more than 840,000 ATMs in the Visa Global ATM Network. It's a secure, reliable way to pay for anything you need, anywhere in the world.

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Apply For A Credit Card - The Virgin credit card gets you 0% interest on balance transfers for 13 whole months – that's the longest 0% balance transfer offer in the running, plus 0% pa on new purchases for three months from the time your account is accepted by Virgin.


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