Tag Archives: programs
5 Things to Know about Credit Card Rewards Programs
Credit card rewards programs have come a long way. At first, they were reserved for the elite credit cards, which mostly required high priced annual fees to participate. Now, most every credit card has a rewards program, and most every program doesnt even require an annual fee. Thats the beauty of rewards programs nowtheyve become a major way for credit cards to compete for your business. So you should take advantage of your opportunities and get the best rewards program possible.
1. Experience Rewards
The first thing you should know about credit card rewards programs, though, is that todays are not your grandmothers rewards programs. Today, you can basically get anything that you want as a reward. This new system is sometimes called “experience rewards”by which you can practically name anything as a reward to the credit card concierge, and he or she will tell you then how many rewards points you need.
2. Is it for You?
Of course, you should know whether or not you need such extravagance. If you dont have the time or the inclination to, say, ask for an experience reward like an African safari, then these fancy cards are not for you. You may be better off looking for cash-back rewards programs, or a smaller scale travel rewards program with no annual fee.
3. Are You a Dedicated Customer to a Particular Brand?
A third aspect of rewards programs to know about are the very specific cards out there from, for example, a specific car maker or a theme park company. Usually, rewards from these programs go to free or discounted items from only that particular company. That makes these cards only worth it for very dedicated customerssomeone who only buys GM cars, for instance, or someone who regularly visits Disney parks or stores.
4. Shop Around for the Best Deals
Whatever type of rewards program you pick, you should be sure youre getting the best bang for your spent dollars. Many average programs offer 1 reward point for every dollar spent, or 1 percent or less cash back for every dollar spent. If you shop around for specials, however, you may be able to find even better deals in rewards programs.
5. Know the Ins and Outs of Your Deal
Lastly, never pass up the chance to beef up on your rewards points. Most cards offer chances to load up on points through special promotions. They may, say, offer triple rewards points during the first six months you have the card, or offer more cash back if you shop at specific stores or eat out at restaurants. Know these deals. Take advantage of them!
What Happened To Online Computer Financing? (Page 1 of 2)
You may have noticed that there are fewer online companies that offer guaranteed or bad credit computer financing programs.
About 3 years ago there were a number of lenders that were trying to make money by offering individuals with less than good credit, computer loans.
As time when on, the lenders started to see that most of there clients wasn’t paying off their loans.
A lot of online marketing companies believed that they could make a good income by finding the right lenders that would approve computer loans for people with poor credit.
This idea of offering computer loans to individuals that had poor credit worked for a few years.
Over time, more and more computer clients had stopped making payments on their computer systems.
Finally the computer financing companies decided to end all 100% financing programs for individuals that had no credit, poor credit or have filed for bankruptcy.
Over 90% of the companies that claim to offer bad credit computer financing are lying to the public. They cannot finance an individual with bad credit because there financing company will not approved that type of loan.
The reason why online computer financing websites are still taking applications is because they know that there is a chance that some of the individuals that are applying could have good credit.
They know that they can get the good credit individuals approved by there financing company.
YOU CAN STILL GET APPROVED TO FINANCE A COMPUTER WITH BAD CREDIT!
There are programs that still offer computer loans to individuals that have no credit, bad credit or have filed for bankruptcy.
These types of programs would normally require there client to have a checking or savings account and they may require the client to send in a down payment before they would deliver the computer system.
This type of program is one of the best methods for a person with bad credit to receive a new desktop or laptop computer system.
There are other programs that require the client to make a down payment and make a few weekly or monthly payments before they would deliver their computer system.
These programs are a little like the lay-a-way programs that were used by retail stores years ago. Many stores still use this type of financing options.
BAD CREDIT GUARANTEED COMPUTER FINANCING PROGRAMS
If you have any source of income, you can get approved to finance a new up-to-date desktop or laptop computer system.
You must have a checking or savings account and be willing to make a reasonable down payment.
This works for the lender because they are able to offset there lost a little if you decide to keep the computer without making your payments.
These types of computer financing programs will allow you to receive most of the new high speed desktop or laptop computer systems, even if you have no credit, bad credit, unemployed or have filed for bankruptcy.