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The Lowdown on the Toys “R” Us Credit Card

Designed for users equipped with a good credit rating, the Toys “R” Us Visa Platinum Card offers cardholders great rebates. With a 4% rebate for Toys “R” Us and Babies “R” Us store purchases plus no annual fee, this card is ideal for parents intending to enjoy great savings, while still getting that toy which their children have been asking for.

Purchases made with the Toys “R” Us Visa Platinum Card at www.toysrus.com, www.babiesrus.com or anywhere Visa credit cards are accepted receive a 1% rebate for each transaction. When the rebate values reach $10, the cardholder will then be sent certificates that can be used to redeem for products at Toys “R” Us® and Babies “R” Us stores, as well as through their websites. The certificates will expire after one year but the amount of rebates that can be earned is limitless.

Now we get to the dirt. For a Platinum card, the Toys “R” Us Credit Card doesn’t provide any exclusive perks on top of the usual benefits which are also by other cards. The APR is also relatively higher for less qualifying applicants, with the 0% APR intro period dependent on your credit history. The real stinker is the way finance charges are determined, which is the “Two Cycles Average Daily Balance” method which results in higher interest payable than the usual “Average Daily Balance” configuration.

Nevertheless, this should not be a hindrance to you if you have good payment habits, a great credit score and continue to be financially responsible. With this, the interest tabulation will have minimal effects on your costs of using the Toys “R” Us Credit Card. Otherwise, it may be better for you to get alternate cards which utilize a better way of tabulating interests.

Overall, the Toys “R” Us Credit Card would be suitable for you if you plan to make a lot of purchases at Toys “R” Us® and Babies “R” Us® stores in addition to taking advantage of that 4% rebate. Otherwise there may be better Platinum Cards out there for you.

Credit Card Leaders: Visa and American Express

When it came to getting a credit card, millions of consumers all over the world chose Visa cards, which allows them to manage their finances in a better way, while enabling them to choose a system of payment for their purchases, either in increments over time or at the end of each month. Visa cardholders are offered the opportunity to pay for their purchases in the manner and at the time that work best for them.

Getting a Visa card can only be possible after you have contacted one of the banks that issue Visa cards. The good news is that the Visa cards are so widely spread all over the world that chances are you’ll find such an organization quite close to you.

The types of cards offered by Visa through its issuing members are credit cards, debit cards and prepaid cards.

With a Visa debit card, the customer can have access to his/her money regardless of their location as long as they see a Visa symbol. The money is deducted from their balance, with no interest. There are many advantages to using a card, such as saving the trip to the bank or the need to queue up for a cash dispenser, or being safer than carrying money. When you lose money, it’s gone forever. However, if you should happen to lose your Visa card, it can be stopped as soon as it has been declared lost or stolen, and be replaced afterwards.

The are several types of Visa debit cards, including Visa Electron, most popular in Central and Eastern Europe, Africa and the Middle East and ideal for a wide range of customers as it has in-built security features; Visa Classic, designed for those who use their cards everywhere, be it the real world, the Internet or by telephone; Visa Gold, whose most important benefit is that your card or cash, or both of them, can be replaced, should it be lost or stolen; and Visa Platinum, designed for high-spenders who can enjoy its top-level services.

Visa prepaid cards allow consumers to control spending, as well as to send money home, pay for their trips, teach their children money management, or even give it as a gift.

With Visa credit cards customers are offered a whole new world of possibilities, being exceptionally reliable and convenient.

Another company best known for its businesses with credit cards, charge cards and traveler’s cheques is American Express, or ‘Amex’.

American Express issues a great variety of credit cards, each with specific benefits, so as to please and meet the needs of all their customers. Consumers can choose from the American Express Card, America Express Gold Card, Rewards Plus Gold Card, Platinum Card, Blue form American Express, and so forth. The remarkable benefits of the American Express credit cards include personal service and attention at an exceptional level, use membership points for traveling, shopping and entertainment, access to entertainment events, special travel privileges, and many more.

The American Express Gift Cards have special offers from participating merchants and retailers all over the nation. The American Express Gift Cards can be purchased for any occasion, and in an easy manner, as they are available online.