Tag Archives: purchases
Bad Credit Credit Card Offers
Having less than perfect credit does not cancel out your credit card options. In fact, just the opposite is true. These days, credit card lenders issue plastic for every need under the sun. This includes cards designed specifically for those with poor credit. By taking advantage of bad credit credit card offers, you can get back on your financial feet in no time. Read on to learn more about bad credit credit card offers.
Prepaid Debit Cards
If you have trouble getting approved for a traditional credit card, a prepaid debit card is a smart alternative. With this option, you first deposit money into your account. You can then use your card to make purchases. To help you stay on track, your line of credit is limited to the amount you have deposited. By putting money into your account and making purchases, you will rebuild your credit. For two great prepaid options, check out the All-Access Visa Prepaid Card and the Wired Plastic Prepaid Visa Card.
Secured Credit Cards
Another option for those with bad credit is a secured credit card. This type of card requires you to open a savings account. The account serves as security for the line of credit. The credit available to you is a percentage of your deposit. This usually ranges from 50 to 100 percent. If you pay off your balance consistently, over time your line of credit will increase. A secured credit card usually includes an annual fee and high interest rate.
First Premier and Orchard
Perhaps you plan to occasionally carry a balance on your card. If this is the case, there are various bad credit credit card offers available. First Premier Bank issues cards designed for those with poor credit. First Premier Bank credit cards offer low interest rates and the chance to improve your credit rating. You can be approved instantly for one of their cards. Check out the First Premier Bank Gold MasterCard/Visa to get you started.
Orchard Bank also caters to those with a poor credit history. The Orchard Bank Platinum MasterCard offers a low interest rate on purchases. It also regularly reports to credit bureaus. This gives you a chance to use your card, pay off balances, and have creditors take notice.
Both First Premier and Orchard Bank cards include a number of fees. First Premier Bank charges initial fees of $29 and $95, as well as a monthly participation fee and annual fee. Orchard Bank requires a high annual fee.
These expenses may seem high. However, it is important to remember that these companies are offering cards to those with poor credit. Most bad credit credit card offers include extra fees due to the risks involved. Yet these cards are designed to help you improve your credit rating. Once you show that you can handle these cards wisely, you can apply for other offers.
Don’t let poor credit get you down. There are many bad credit credit card offers available. Choose the option that’s best for you and then apply online. With careful planning, you can improve your credit score. Soon you’ll be in good standings once again with lenders. This can open many more financial doors in your future.
Creating Savings Every Month With Cash Back Credit Cards
Cash back credit cards are one of the ways that millions of people have begun reducing the amount that they spend each month with their credit card. By simply choosing the right card, you can save anywhere from one to twenty percent on your purchases! These guidelines will help you find a credit card that offers the rewards that are most appealing to you personally.
Earning Cash Back
Your cashback credit card should earn you money at the places that you shop most often. If you shop online frequently, then you may find that you will begin seeing huge savings almost immediately, since most credit card companies offer up to twenty percent cash back when shopping online. You can check the list of approved vendors though the credit card to find the items that you can purchase online, but make sure that you do not use the savings to overspend. Credit cards all have variable interest rates, although not all cash back credit cards require that you pay an annual fee.
The amount that you will earn in rewards will vary, depending on the credit card that you are using. It is definitely worth the time to read through the fine print to see which items will earn you money, but most credit cards to offer rewards for restaurant and gas purchases. Additionally, most credit card companies do offer at least one percent cash back on most purchases, including groceries and clothing. You will want to look for the credit card that offers the most cash back for the items that are purchased most often. You will also need to fill out an application for each of the cards that you are interested in separately.
Choosing Your Credit Card
Choosing the right card is the first step to earning cash back. In addition to offering cash back rewards, some credit card companies also offer gas credit cards that can be used specifically to earn rewards for purchases of fuel. Other credit cards work with large retail stores, such as Costco, to bring you more savings when shopping with the chain. There are tons of options to choose from, ensuring that there are cash back credit cards that will meet, and exceed, your expectations. To be sure you have the right credit card, you can look for a comparison.
There are websites that offer to compare all of the major credit cards that fit your criteria for earning cash back. You will find that it is much simpler, and more rewarding, to use a website for your research. This will allow you to see all of the major credit cards side by side to find the one that you like best. Some of the most common features that are listed include the current APR, which items earn cash back, and how much each item will earn. Some of the most common amounts are one percent for all purchased, three percent for gas purchases, and up to twenty percent for items purchased online.