Thursday, December 13, 2018   |  Get Listed »  |  Newsletter Sign Up »
Articles About Credit Cards
CheckRates.com Home Page
checkrates.com Articles About Credit Cards

Need Assisstance?

800-498-7627

Credit Cards Articles
NFL Visa Card: Gotta Support The Team

Get a Visa Card for all 32 teams or just get the NFL Shield card. 0% Introductory APR on balance transfers and purchases for the first year after opening up this spectacular card.

After the year is up, there is a variable APR which is currently at 13.74% to 22.74% depending upon your credit. Sign up and get a one-time bonus of 10,000 points after first use on the card. Use the points for up to $100 cash.

APPLY FOR THE NFL VISA CARD AND GET A CARD WITH YOUR TEAM ON THE THE FRONT OF IT

Use your card! Every purchase is 2 points for every $1 spent on NFL or team purchases - 1 point for all other purchases and yes, you can use it to buy tickets too. One season tick

Learn More
Barclay's Customer Service Contact Number

The best way to contact Barclays card customer service in the USA is to call 302-622-8990.

Learn More
The whodunit of stolen credit cards

Gone are the days of the good old-fashioned purse snatcher. With little brute and more skill, thieves only need a minute, sometimes a second, to pilfer your credit card data.

Learn More
The whodunit of stolen credit cards

Gone are the days of the good old-fashioned purse snatcher. With little brute and more skill, thieves only need a minute, sometimes a second, to pilfer your credit card data.

Learn More
1 in 7 denied job due to credit

Is your spotty credit history keeping you from landing that dream job? Possibly.

Learn More
Simmons First Platinum

Simmons First Visa Platinum

Click the Card to Apply!

Learn More
Barclay Card Ring Mastercard: A low 8 percent

No balance transfer fees- Start saving immediately!

APPLY NOW

Learn More
5 Steps to eliminate settled debt from your credit

 

Settling credit card debt means you will have to pay less than the original balance. There are some debtors who want to settle credit card debt by 20 to 70 percent of the original amount. However, it is not that easy. You will have to negotiate with your creditors and convince them to accept the reduced amount since your financial condition is poor.

Learn More
Making the Most of Your Travel Reward Cards

Cali Lewis hasn't paid for a vacation in eight years.

Last year, Lewis and her husband traveled to Florida, Louisiana, New Mexico and Colorado, all on rewards points they earned from their credit card. The couple has also ventured overseas to Scotland and Italy using credit card rewards.

"We stayed in a $1,200 room in Rome (for free) — that was a pretty good deal," said Lewis, who lives at Lake Lanier in northern Georgia. "We've had some really magical experiences. And when it's free, it's even better."

Learn More
Regions closes buyout of $1B credit card portfolio

BIRMINGHAM — Regions Bank has completed the buyout of a $1 billion portfolio of its branded credit cards from a subsidiary of Bank of America, the company said Tuesday. Terms were not disclosed for the deal, which was originally announced last month.

Learn More
Credit Card Marketers Sweetening the Pot

When the CARD Act took hold early last year, there was a lot of speculation about how the new rules would actually affect consumers. Many industry experts predicted a return to annual fees, more variable rate cards and a tighter lending environment.

Learn More
Credit Card Companies Optimistic Even After Financ

MIAMI BEACH, Florida (Maria Aspan) For the first time in years, credit card executives are looking beyond the losses of the financial crisis -- and they're even losing less sleep over the prospect of tighter government oversight.

Learn More
Udall, Markey take on credit card companies

Denver and the West.

Sen. Mark Udall will try to attach a credit card consumer rights bill to key legislation extending unemployment benefits and Rep. Betsy Markey is sponsoring a bill to freeze cardholders' interest rates.

Both are the latest in series of moves by the two Democrats to protect card users from arbitrary rate hikes prior to February, when the Credit Card Accountability Responsibility and Disclosure Act, or CARD, takes effect.

With health care reform still in for a tough slog and much of the rest of the Barack Obama's ambitious domestic agenda on hold until next year, credit card companies have become a new punching bag for Democrats.

Learn More
Bidens Son worked for MBNA prior to BK Bill

By PETE YOST

 

WASHINGTON - A son of Democratic vice presidential candidate Joe Biden was paid an undisclosed amount of money as a consultant by MBNA, the largest employer in Delaware, during the years the senator supported legislation that was promoted by the credit card industry and opposed by consumer groups.

 
Learn More
JV: Swift Financial, M&I Bank, and Metavante

WILMINGTON, Del. and MILWAUKEE – June 1, 2007 – Swift Financial Corporation (Swift Financial), M&I Bank FSB (M&I) and Metavante Corporation (Metavante) today announced they have entered into agreements facilitating a new business venture that will offer loan and deposit products to small businesses nationwide.

Swift Financial, a newly launched business based in Wilmington, Del., will offer two products designed for small business owners. Swift's Business Line of Credit has no application or advance fees, features a rate guarantee, and up to $100,000 of unsecured credit. Swift's Business Checking product eliminates fees, including per item, overdraft and ATM. The business checking account is powered by SwiftDeposit, Swift's na

Learn More
Credit Card Numbers and What They Mean

Have you ever really looked at your credit card and tried to figure out what that huge string of numbers really means? Do these card issuers have so many customers that your account number has to be 16 digits long?

You may be surprised to know that all those numbers you see actually do stand for something, and it's not just who YOU are. Let's take a look.

Most of the major credit card companies operate on the same system when choosing a credit card number.  Other cards like gas cards, department store cards and phone cards go their own way. Let's concentrate on the ones that all play by the same rules.

The very first digit in the series will be a 3,4,5, 0r 6. This number designates the type of card as follows:

3 = a Travel & Entertainment Card like American Express or Diners Club.

4 = Visa and Visa-branded debit cards, cash cards, etc.

5 = MasterCard and MasterCard-branded debit cards, cash cards, etc.

6 = Discover

Ame

Learn More
Why Does A Credit Card Expire and How Do You Renew

Besides the long string of numbers that identify your account, there is a short little series of numbers that makes up your card's expiration date. Most of us don't even pay any attention to that date, but you can bet that the credit card approval network knows exactly when your card expires, and for good reason. Actually, there are several reasons, so let's take a look.

Top Reasons Why a Credit Card Has an Expiration Date

One of the most simple and uncomplicated reasons the credit card will expire is that the magnetic strip will not last forever.  Although the plastic card itself is virtually indestructible, the magnetic strip is a little touchier and will eventually wear out.  When that happens your card will no longer be readable by credit card terminals and ATMs.

Learn More
Finding A Credit Card That Works For You

Barely a day goes by without getting an offer to apply for a credit card, either by the traditional mail service or online.  If this is something you are considering doing, there are several key issues that you will need to understand before you decide what card offer is right for you.  All card offers will offer benefits.  Finding the one that fits your needs is the key.  Let's discuss a few of the things you should be aware of before you do any applying.

What Do You Need The Card For?

This is the first and most important question you should ask yourself.  Your answer will help to decide just what type of card and what incentives will work best for your needs.

Learn More
Cash Back and Reward Credit Cards

Credit is awesome if it's properly used and today it can be even sweeter if you use cash back or reward credit cards. With these types of cards, you make your usual credit card purchases and receive incentives in the form of cash back or reward points. You use these incentives to receive free or discounted products and services. Some cards even allow you to donate your cash back to your favorite charity. There are also cards that will allow you to deposit your cash back into a savings account to save for your child's college fund, which can add up over the years and can be very beneficial.

Cash back and reward credit cards sound like a terrific deal and you're probably wondering, 'What's the catch?' Well, it is the fact that you're probably paying a higher level of interest in order to receive the cash back or rewards.

 

Thank you for visiting Chckrates.com. Use our cred

Learn More
Business Credit Cards Don't report

Given the variety of business credit card programs available, anyone with decent credit should seriously consider one. Although intended primarily for small business owners, the offers combine every kind of credit card contract. Business credit cards are available with low APR, zero introductory interest rates, balance transfer options, rewards (like airline miles or cash back), and on and on. Business cards offer travel discounts on cars and hotels, frequent flyer miles, travel insurance, even restaurant savings.

Business card contracts usually offer comparatively lower interest rates and much higher credit limits. (Of course, it's expected that you will have somewhat better credit history.) Issuers are eager to offer superior benefits since business owners generally spend more and tend to maintain a higher balance.

Learn More
Applying For A Credit Card With No Credit History

Applying For A Credit Card With No Credit History

Oddly enough, not only will bad credit work against you when applying for a loan or a credit card, but no credit will too.  Even though this doesn't seem fair, it is the way things work in the complicated world of consumer credit. Lenders are leery about opening accounts for people with no credit history because they simply have nothing to base your reliability on.

So, if you can't build a credit history without credit and you can't get credit without a credit history, just what has a person to do? It's nearly impossible to rent a car, stay in a hotel, or shop online without a credit card, so let's explore a few of the options that can eliminate this Catch-22.

Thank you for visiting Chckrates.com. Use our credit card search, the best on the web

Learn More
Airline and Air Miles Credit Cards: What You Shoul

If you have, or are considering applying for, an airline credit card, you need to ask yourself two questions:

1. Are benefits available from the largest airline in my area?

2. Which airline credit card can I use to reap the benefits quickly?

An airline sponsored credit card only allows you to focus on one specific airline. If that particular airline controls the majority of the destination routes from your area, it will give you convenience and efficiency and it will be extremely economical. Bank sponsored credit cards allow you more freedom. Why? Because the air miles that you accumulate can be used on a wide range of airlines. If you have no airline in your area that controls the majority of destination routes, this is the card that will be most beneficial to you. Another advantage is that often the minimum amount of air miles required before you can use them for travel is lower than with an airline sponsored card. However, use extreme caution. Bank sponsored

Learn More
Avoiding the Credit Card Trap
You see them on every college campus freshmen week as newly-freed students set out on a life of their own for the first time. Booths and tables set up with smiling reps eager to get you or your kid to sign up for a credit card and get on the credit-go-round in which we live.
 
These credit newbies are easy pickins. They sign on the dotted line, they get their cards in the mail a few days later and go on their very first credit card binge. Hey, it’s just like free money – that is until the monthly statement arrives.
Learn More
Credit Cards Are More Than A Convenience
A credit card these days is not just a small plastic card with some numbers embossed on it. Today they are an absolute necessity to purchase things with no requirement of cash in pocket. It permits the person named on it to charge purchases or services to his account charges for which he will be billed periodically. This information is checked where we use it for example by automated teller machines (ATM), store readers, internet computers and banks.

 

Credit cards can be great things as they are convenient, can help build good credit if used properly and are useful in emergencies.

Learn More
Credit Card Numbers and What They Mean

Have you ever really looked at your credit card and tried to figure out what that huge string of numbers really means? Do these card issuers have so many customers that your account number has to be 16 digits long?

You may be surprised to know that all those numbers you see actually do stand for something, and it's not just who YOU are. Let's take a look.

Learn More
Time To Pay Your Bill!
So, you've had your credit card for a while. You've used it, possibly even too much. Now it is time to start paying it off. Unfortunately, the joy you probably experienced while you were charging up a storm is about to turn into dread. Paying off a credit card is a whole lot harder than charging one. There are some options that you have, as well as some tips to make the whole ugly process go a little smoother.
Learn More
Simplifying Your Search For a New Credit Card
Today, selecting the proper credit card can be a bit confusing to say the least. There are literally hundreds of offers from the major institutions eagerly competing for your business. The easiest way to shop for a credit card is to break them down into categories. There are seven major categories that all credit cards fall into. Once you identify the proper category, simply narrow down the offers to the ones that best suite your particular needs and lifestyle.
Learn More
What To Do When Your Credit Card Is Lost Or Stolen
Unfortunately, wallets and purses do get stolen or lost on a regular basis. Your biggest concern is usually the fact that your credit cards are missing. If this happens to you, do you have a plan of action? Well, you should. It really isn't as daunting to come up with a credit card action plan as it seems like it should be. All reputable credit card companies have a set policy that helps to protect you against loss or theft.
Learn More
What is a credit score?
Beacon Scores, FICO Scores, Credirian/Fair, Isaac Risk Score, and TransUnion calls it an Empirica score. Many people in the lending business just call them FICO (rhymes with "psycho") scores. - Empirica credit score is a TransUnion credit bureau score. - Beacon Score credit score is an Equifax credit bureau score. - Fair Isaac/FICO Score is an Experian (formerly TRW) credit bureau score. Do you need all 3 scores? The short story is yes you do! In todays business market, looking at all three of your FICO scores and credit reports is something you must do! Why? You may ask.Each of your creditent Each of the three national bur
Learn More
Google Analytics Alternative Google Analytics Alternative