Credit Card Resources

Credit Resource Library

Applying For A Credit Card
What are credit card companies looking for when they process your application? How do they decide who is "pre-approved"? How can you establish a credit rating, or rebuild a poor rating?
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Balance Transfer Credit Cards
Smart money managers are constantly searching for ways to bring down the monthly expense of servicing their debt. Ideally, of course, we would all pay our balances every month and have no interest or finance charges. But for many, that isn’t possible, so the question becomes one of paying the lowest possible interest.
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Bank Credit Cards
Bad credit happens to good people, and not everyone with a poor credit rating is a deadbeat. A medical emergency, a layoff, or even a lack of understanding of credit and how it works can devastate your credit rating. Fortunately, most large banks offer cards that can help you restore your credit.
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Cash Back Credit Cards
There's nothing better than free money! Companies offering cash back credit cards pay you a rebate consisting of a percentage of the amount you charged on their card each year. The more you use the card, the more cash you get back. This is a win-win situation: you get a little bonus, and the credit card company gets increased usage.
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Compare Credit Card Offers
The range of credit card offers available is simply staggering. Each one has different advantages and disadvantages, and each comes with reams of small print. As a smart consumer, you want to be certain you're choosing the best credit card for your purposes...
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Credit Card Applications Online
If you have a subprime credit rating, we can find a card that will extend you credit without exorbitant interest and fees. If you’re just beginning to establish a credit record, we’ll tell you what companies are best for that purpose.
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Credit Card Companies
In today's society, credit rules. You need a credit card to shop on the Internet, to rent a car, or simply to free you from the hassles of paying for everything with cash. It's no wonder that the number of credit card companies has expanded exponentially.
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Credit Card Comparisons
The first step in successfully managing your credit is to make a wise choice when deciding which credit card you want. The only way to accomplish that is by making extensive comparisons among many different companies.
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Credit Card Rates
Choosing a credit card company would seem to be a fairly easy decision. You just pick the one with the lowest interest rate, right? But first, ask yourself whether you're certain you're actually getting the lowest rate. Are you sure you've looked at every offer available?
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Credit Cards For People With Bad Credit
Bad credit sometimes happens to good people. Perhaps you lost a job that seemed perfectly secure. Maybe you had astronomical medical expenses only partially covered by insurance, or not covered at all. There are many understandable reasons why responsible people might lose their good credit ratings.
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Credit Cards For Poor Credit
If you have a poor credit rating, you may think it would be impossible for you to get a credit card. This is not necessarily true. There are companies willing to extend credit to subprime candidates, but you have to do some fairly extensive research to find them.
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Credit Cards To Establish Credit
It's a classic Catch-22: you can't get credit until you've established a good credit rating, and you can't establish a good credit rating without having any history of credit. So what are you to do if you have no credit history?
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Fixed Rate Credit Cards
Very low, or even zero percent APRs, may be offered as incentives to new customers. These rates are usually good for three to six months. At that point, the APR will be raised substantially. The introductory rate will also expire if you should miss a payment or exceed your credit limit.
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Gold Credit Cards
These days you can get credit cards in all sorts of interesting designs. You can have one with the logo of your favorite sports team, with a scenic vista, even with the likeness of Bugs Bunny or Pepe LePew. If you have a good credit rating, however, go for the gold.
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Good Credit Credit Cards
When you have good credit, the world is your oyster, at least as far as credit card offers are concerned. Credit companies are in fierce competition for the chance to handle credit for responsible consumers. That means you can pick and choose among a wide variety of attractive offers.
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Instant Approval Credit Cards
It wasn't so long ago that you had to fill out long, complicated application forms, mail them to the company, then wait, and wait, for the company to check your application and mail you back a response. These days, when you apply for credit online, you can often get an immediate response.
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Low Rate Credit Cards
Finding a credit card with a low interest rate can save you a significant amount of money if you carry a balance from month to month. Even if you are conscientious about paying your full balance each month, an emergency situation might arise in which you'd be unable to do that.
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No Credit Credit Cards
It's tough to function in today's society without credit. Renting a car, buying things over the Internet, getting a cell phone, or even just buying that new tire you need today although payday is still ten days off--these are all things that are made much, much easier if you have a credit card. The problem is, unless you already have a credit history, it can be difficult to get credit.
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Platinum Credit Cards
If you're among the top credit managers, you're probably already getting offers in your mailbox every day. You didn't get to be where you are by having a lot of free time, so you may not even bother to look at them.
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Points Credit Cards
Credit card companies suffer severe competition for the business of those people with excellent credit histories. Therefore, they are always trying new ways to bring in those preferred customers.
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Prepaid Credit Cards
Prepaid credit cards are an invaluable asset for those who haven't yet established a credit history. They are also the primary means of reestablishing credit after a bankruptcy or other financial difficulties that resulted in a poor credit rating.
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Rewards Credit Cards
Everybody loves to get a little something extra. Credit card companies recognize this and use rewards to entice you into using their card. Since there are so many companies out there vying for your business, there is a wide array of rewards to choose from.
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Search For Credit Cards
The search for the perfect credit card is often difficult and time-consuming. If you’re trying to establish your credit rating, or improve a less than ideal rating, many companies don’t want to take the risk of offering you credit. And when they do, it may come at an exorbitant interest rate.
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Student Credit Cards
Credit cards for college students can provide a wonderful learning experience. Credit cards for college students can also be a total disaster, leaving students with bad credit records that will haunt them for years after graduation.
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Top Credit Card Offers
With all the competition among credit card companies these days, it can be hard to decide which is the best among many offers. There are two principles to keep in mind when deciding on the top credit card offers. One...
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