CREDIT CARDS

Credit cards offer convenient spending power; allowing you to make purchases for large ticket items that were previously not affordable. Consumers are also protected when using a credit card for purchases. For example, you are not liable for purchases for items that are not as described or for Internet purchases when the item is not received.

Aspire Card - There are many different types of credit card offers available, all of which have varying rewards, terms and rates. Read the fine print before you apply. Outlined below are some of the more common types of credit card offers. if you have any questions, please contact us.

To avoid excessive debt, learn how to use credit cards wisely.

A credit card that does not require any sort of collateral for a security deposit in case the card holder goes into default is called an unsecured credit card.

Most of the major credit card offers available are unsecured cards; all of which are very different from one another. Some offer reward perks while others provide balance transfer benefits. The bottom line is that you need to check out the APR's, terms and conditions, benefits and perks of any card you are interested in applying for to ensure that you find a card that is best for your needs.

Reward cards typically have an annual fee associated with them. Therefore, if you are interested in a reward credit card, you need to determine if the reward being offered is going to benefit you. Meaning, is the reward something that you will actually use.

American Express - The most popular types of reward cards are airmiles and travel, gas rebates, discounts at participating restaurants and stores, etc..

It is likely that you can find a low rate reward card with a favorable introductory offer. Thus allowing you to transfer your debt from high interest cards to a card with a more desirable rate.

There are even several excellent credit card offers for people with bad credit. Most poor credit offers are for secured cards. This means that you are required to leave a deposit in your account. You can then spend whatever amount that you have available. These types of cards are great for those looking to reestablish a positive credit history. Once you exhibit a positive credit history with your secured card for a few months you will be able to apply for a low rate unsecured card.

If the free spending credit cards offer scares you, you may want to consider applying for prepaid credit cards. This type of offer gives consumers the spending power of credit cards but without the hazards. Even though prepaid credit cards carry the Visa or MasterCard insignia, they don't have credit lines and therefore are not really credit cards. You are required to deposit funds into your account. Any purchases you make are then subtracted from your account. The risk associated with regular credit cards is eliminated because you can not spend money that you do not have. Prepaid cards are great for those that don't like to carry cash around or are not interested in creating debt.

Students also have the pleasure of utilizing credit cards. In fact, there are many credit cards designed specifically for those in school. These cards are intended to give student the spending power they need, while helping them build positive credit histories.

History of Credit Cards
Credit Card Tips for People with Bad Credit
Using a Student Credit Card
Cancelling Credit Cards

 

 

 

 




 

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