Category Archives: Home Mortgage
Private Label Reward Credit Cards (Page 1 of 2)
More and more, consumers are becoming just as interested in the label associated with their reward credit card as they are with the interest rate, possible annual fees, and rewards. After all, credit cards were once very nondescript with nothing special separating one from the other but the Visa or MasterCard logo in the bottom right hand corner.
Looking for Unique
Today, many consumers are looking for reward credit cards with flair, personality, and a unique quality. Of course, consumers are still interested in receiving a great deal with their reward credit cards and, for the most part, won’t be willing to give up quality for a pretty picture. Nonetheless, the offerings of credit cards are becoming more and more competitive as they fight each other for customers. Therefore, many of the best reward credit cards offer a variety of different styles to the consumer in order to attract them to their card. In some cases, the designs may indicate a different type of card with different benefits. In other cases, the same type of card may have many design options to choose from.
Breaking the Mould
The first credit card to offer an intriguing design was the Discover Card. This occurred over twenty years ago when their sunburst design crashed into the market. Since all credit cards looked pretty much the same at the time, the design on the Discover Card was considered to be quite revolutionary. In addition, it garnered a great deal of attention from consumers. Understandably, other cards followed suit.
Following the Trend
Today, most reward credit cards offer attractive and fun designs. Nonetheless, Discover Card continues to lead the charge. Understanding that a single design is not going to please everyone, Discover offers more design choices than any other reward credit card. They have many wild designs, ranging from fun and colorful to professional and demure.
Discover’s variety of options began when it launched its clear card option for those who were applying for the card. At this time, it offered a credit card with a translucent blue background with a bright lighter blue grid pattern on top. After this design caught on in popularity, Discover decided to start offering more designs for all of their cards, including reward credit cards.
Today’s Designs
Today, Discover offers a patriotic American Flag card, which was launched after the 9/11 attacks. It also currently offers an entire line of sea life and wildlife cards that include images of animals such as a bald eagle, a tiger, and a killer whale. Their designs also include artistic designs, see-through cards, and other cards with a natural or patriotic theme. When selecting from rewards credit cards, you do not have quite as many design choices as you would if you were not limiting yourself to a certain type of card. Nonetheless, you will still have different designs to choose from in order to make the card unique to your personal taste and lifestyle.
Home equity loan: Access the equity built in your home
Taking home equity loans depend on the current needs and desires that prompt you to go for home equity loans as the first choice. Home equity loan has become a fast-track way of paying down debt consolidation, for home improvement, for higher education, unexpected family emergencies, medical expenses, etc.
Home equity loans are secured against the equity in your home. Home equity is the sum total of two things:
The down payment and the monthly repayment that the borrower i.e., the homeowner has made against the total mortgage balance on his or her home.
The amount with which the property has appreciated in price will also affect the homeowner equity.
Many of us think that for taking home equity loans, you will have to sell the house. But its absolutely wrong. Being a homeowner, you can take home equity loan without selling your home. The value of your home will determine the loan amount and the rate of interest. If you want loans at low interest rate, you will have to offer high equity collateral.
In Home equity loans, bad credit report does not make too much difference. Bad credit is common now-a-days. But, having a good credit record can definitely fetch you loan at comparatively low rate of interest.
Once you have calculated the value of your home, its now time to apply for the loan. For applying home equity loans, you should bring with you the credit card or some other document for identity purpose. Lenders offer home equity loans with competitive rates on interest. So, market survey is a must. Choose the lender who provides you the best loan deal.