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Corrupted Egg of Millagazor

Wow personal egg

Get a Corrupted Egg of Millagazor all together with a number of other vital items and achievements. If you don’t know how, we’ll help you out.

This service allows the players to get a unique mount called “Corrupted Egg of Millagazor”. Here’s a list of its specifications:

• Its name in the World of Warcraft is Pureblood of Millagazor.

• There’s another similar mount with another coloring called “Smoldering Egg of Millagazor”.

If you buy the corrupted egg of millagazor mount , you will get:

• 13 achievements including the final one called Glory of the Firelands Raider .

• 145 points to general rating.

• Other items dropped in time of the raid (negotiated).

• Will complete Firelands raid dungeon with special conditions to get the achievement and the rideable mount.

• Additional details can be discussed with an operator. They are a solo game possibility and providing temporary personal account data access for our specialists.

• Collecting of other items desired by the customer except for the rare mounts.


Pop Culture: Shadowhunters mentions World of Warcraft

As some who follow me on Twitter @Medievaldragon know, I have been heavily watching various sci-fi and fantasy TV series for the past couple years. I just watched Shadowhunters Season 2, Episode 5: Dust and Shadows on Hulu.

Around 28:49, I giggled when World of Warcraft is mentioned. This is the episode where Simon reveals to his mother he is a vampire.

Elaine: (SIGHS) Becky told me you’re keeping blood in your room. What’s going on?

Elaine: Have you joined a cult again?

Simon: Mom, for the last time, World of Warcraft isn’t a cult.

Iron Star – World of Warcraft: Warlords of Draenor Easter Eggs

The Iron Star is one of the weapons of destruction used by the Iron Horde in Warlords of Draenor. The Iron Star was first seen used against Mannaroth during the cinematic intro.

I just watched the Battleship (film) and jaw-dropped when I saw the alien shredder weapon whirl up and get launched at the NAVY battleships. Exact copies of the Iron Star. The film was released on May 18, 2012 (USA). Warlords of Draenor shipped on November 13, 2014.

World of Warcraft: Legion Easter Eggs – Men in Black

You can find Agent Smith and Agent Jones in the second floor of The Legerdemain Lounge (Dalaran Inn). They wear black suits, and glasses.

Reference: The Men in Black — played by Will Smith and Tommy Lee Jones.

Written by Medievaldragon on January 14, 2008 . Posted in WoW Easter Eggs

Since there are some Zelda references in Un’Goro crater, maybe Goron city – from Ocarina of Time.

Thanks, AaronJ, Wayle and Palinar

Birds of a Feather – was a successful situation comedy shown on BBC1 in the United Kingdom between 1989 and 1998.

Thanks, Bennett and Brian

Note: After the deaths of both Kings: Madoran and Khardros, their sons jointly commissioned two great statues in honor of their fathers. [Three Hammers War]

Thanks Bennett, Andy and Brian

Thanks, Bennett, Zach, and Brian

Techbot in Gnomeregan instance says “There is no Secret Cow Level” /Tips in loading screens repeat the quote.

Techbot – Those of us with enough experience know there is in fact a secret cow level… But Where? Thunder Bluff!

Thanks, JMM and Jesse

Thanks, JMM and Dizzly

Quote from film, Gurney Halleck: “The slow blade penetrates the shield”

Written by Medievaldragon on January 14, 2008 . Posted in WoW Easter Eggs

Thanks, Walker, cynthia and Stacey

Dungeons & Dragons – the Vorpal weapon was also a most infamous and sought after sword/weapon capable of beheading on a critical hit. In the game’s reference manual Deities and Demigods, King Arthur’s sword Excalibur is described as being a “vorpal weapon.” Many MUDs (multi-user dungeons) also incorporate this adjective into some of their weapon descriptions..

Thanks, Glonos and Steve.S

“There’s trouble in Winterspring!

Why, sure, I spend some time out in the wilds and know about these things… I’m always mighty proud to say it. I consider the hours I spend out there in the hills to be golden. Help you cultivate quick reflexes, a cool head and a keen eye…

It takes judgement, brains and maturity to appreciate the wilderness in the way that I do.

Now, what was I talking about?

Ah yes, trouble. See Donova Snowden at the hot springs and she can tell you more.”

“With a cue in my hand are golden. Help you cultivate horse sense. And a cool head and a keen eye.”—read full lyrics.

Images provided above.

inside the Darkshire town hall is Clerk Daltry.

Clerk Daltry is a spinoff of Roger Daltrey – lead singer and founder of the English rock band, The Who

Guard Keefer is a spinoff of Tom Keifer, lead singer and guitarist of Cinderella

Thanks, Whisp and thekeyofe

Written by Medievaldragon on January 14, 2008 . Posted in WoW Easter Eggs

The Following are Easter eggs and Pop Culture references found in World of Warcraft, comprehending: NPC names, Quest names, locations, quotes, objects, or else which are references from movies, characters, actors, songs, singers and other popular sources.

Burning Crusade Easter Eggs can be found Here. Please, double check that we don’t have it before submiting. Send us new Easter Eggs or corrections. The database is fan-submited and may be inaccurate. Special thanks to the World of Warcraft community.

Frezza—Zeppelin Master Goblin in Durotar

Frezza seems a homage to a bad guy Emperor Freeza in Dragon Ball Z

Fight Club – a blue item Mace from Scarlet Monastery Instance

Thanks, Thors and extracheez

Sprok(away team) is a Goblin in Gnomeregan in the receiving end.

Jhordy Lapforge (Engineer) operating the teleporter at Gadgetzan.

Star Trek: The Next Generation (1991) – Geordi La Forge the engineer of Starfleet Federation USS Enterprise NCC-1701-D


♣ WoW Easter Eggs : The Children of Goldshire [World of Warcraft Easter Egg]

Likewise, comments left on reddit may be featured in future videos.

- If you'd like to leave some anonymous feedback for the channel, then drop me a quick line at: TheDDGuides

- WoW Discussion playlist: playlist?list=PLG5fOiB4ZdJIEwnHctRFy7UotKkpmhLMV

- Fifth expansion for WoW

- Updated (new) character models

- Build and upgrade your garrison

- Instant level 90

- 9 new zones: Frostfire Ridge, Shadowmoon Valley, Gorgrond, Talador, Spires of Arak, Nagrand, Tanaan Jungle, Ashran, Farahlon

- 7 dungeons: Bloodmaul Slag Mines, Blackrock Depot, Auchindoun, Arrakoa Spires, Shadowmoon Burial Grounds, Iron Barracks, Upper Blackrock Spire

- 2 raids: Highmaul, Blackrock Foundry

- Characters: Garrosh Hellscream, Kairoz, Kargath Bladefist (Shattered Hand), Blackhand (Blackrock), Kilrogg (Bleeding Hollow), Ner'zhul (Shadowmoon), Gul'dan (Stormreaver), Grommash (Warsong), Durotan (Frostwolf), Velen, Khadgar, Maraad, Yrel

- All footage and audio is copyright Blizzard unless otherwise indicated.

- "Kool Kats" Kevin MacLeod ()

Licensed under Creative Commons: By Attribution 3.0

Likewise, comments left on reddit may be featured in future videos :-)

- If you'd like to leave some anonymous feedback for the channel, then drop me a quick line at: TheDDGuides

- WoW Discussion playlist: playlist?list=PLG5fOiB4ZdJIEwnHctRFy7UotKkpmhLMV

- Fifth expansion for WoW

- Updated (new) character models

- Build and upgrade your garrison

- Instant level 90

- 9 new zones: Frostfire Ridge, Shadowmoon Valley, Gorgrond, Talador, Spires of Arak, Nagrand, Tanaan Jungle, Ashran, Farahlon

- 7 dungeons: Bloodmaul Slag Mines, Blackrock Depot, Auchindoun, Arrakoa Spires, Shadowmoon Burial Grounds, Iron Barracks, Upper Blackrock Spire

- 2 raids: Highmaul, Blackrock Foundry

- Characters: Garrosh Hellscream, Kairoz, Kargath Bladefist (Shattered Hand), Blackhand (Blackrock), Kilrogg (Bleeding Hollow), Ner'zhul (Shadowmoon), Gul'dan (Stormreaver), Grommash (Warsong), Durotan (Frostwolf), Velen, Khadgar, Maraad, Yrel

- All footage and audio is copyright Blizzard unless otherwise indicated.

- "Kool Kats" Kevin MacLeod ()

Licensed under Creative Commons: By Attribution 3.0

penumbra Kevin MacLeod ()

Licensed under Creative Commons: By Attribution 3.0

Normally I do machinima, so feel free to check out my other videos!

►►►Or follow my Facebook page: NixxiomonYoutube

►►►You can also follow me on Deviantart for Journal Updates, if I decide to do them:

I will do something special for the 500th subscriber though 🙂

Normally I do machinima, so feel free to check out my other videos!

►►►You can also follow me on Deviantart for Journal Updates, if I decide to do them:

Countdown Channel: DDTop20

Likewise, comments left on reddit may be featured in future videos.

- All footage and audio is copyright Blizzard unless otherwise indicated.

- Information for the video found in the following links:

- Audio copyright Kevin MacLeod ()

Licensed under Creative Commons: By Attribution 3.0

North of thunderbluff there is a small path that leads to a clearing. In the clearing are a lot of critters, mainly rabbits, gophers and mice. But these critters will ocassionally pick up weapons and fight each other.

If you go up to a chiken and type /chicken over and over the chicken will will eventually become clickable and give you a quest. The quest just involves you getting your new friend some special chiken feed sold by two different vendors depending your faction. Once you have the chicken feed you can just go back to the ckicken and type in /cheer and give him the feed. He will then drop an egg for you with a chicken pet.

This easter egg can only be seen with the triket eye of divinity that drops off of some boss in molten core and only priest can equip it. I just so happen to have a priest with this trinket. What you do is go to lower city in Shat and find Haris Pilton, the vendor that sells expensive bags. As you can see, when you equip the eye of divinity richole Nichie becomes visable. This is obviously a reference to paris and nicole, and how nicole was widely believed to be anorexic,so she is so skinny you can only see her with a special eye.

Challe's is located right on the edge between Nagrand and Zangarmarsh. To find it without coordinates, go to where the last "g" in "Laughing Skull Ruins" is on the map.

Challe's Home For Little Tykes is an orphanage located on the border of Nagrand and Zangamarsh. To find it on the map, just go to the "G" in "Laughing Skull ruins" in Nagrand. The only way to acsess the orphanage is with a flying mount. Before Patch 2.1, the place was just a hut and the merry-go-round with the tauren babies. Inside the hut were babies but unclickable.

After patch 2.1, they added babies to the orphanage in shat and added everything else to Challe's Home For Little Tykes, including the sign that sign that indicates what the place is. If you talk to Challe she just tells you to be quiet, the babies are sleeping. There are two kids running around the orphanage, a human boy names Chaddo and a blood elf girl named Sa'rah. Theres also an orc boy named Jara standing in the middle of a giant skeloton corpse. In the same location where Jara is hiding, there is a pile of tnt and golbin rockets, there's also a couple of buckets and a shovel indicating that its clearly suppose to be a childs sandbox.

Now There is some speculation as to wether or not Challe is a canabal actually eating the children. For one thing, She is wearing a lv1 warlock starting robe. There is another easter egg called "An Exotic Cookbook" that can be pickpocket from warlock trolls that details how to eat man. In the back of the hut there are 3 cages, and in one of them there is a small skeleton inside. Inside the hut there are bones inside a bowl and she has a culdrun behind her, probably a reference to the witch from hansel and grettle.

There is also a dog house next to the entrance and inside there is a pile of decomposing meat and flies. Oustside the dog house there is a dog food bowl. But there is no dog anywhere.

If you go to your settings and lower the sound and music all the way down, and increase ambient sounds to max, Go to undercity, The broken bell can be heard ringing, which was last rung when Arthas returned home from Northrend with Frostmourne.

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Wow cards walmart

WalmartMoneyCard.com - Buy and recharge your Walmart MoneyCard

Wow cards walmart

WalmartMoneyCard.com - Recharge or Check the Balance on Your Walmart MoneyCard

The Walmart MoneyCard is a pre-paid VISA card. It does not require a credit check or bank account, and they can be used anywhere that you would use a normal VISA credit card. You cannot buy a Walmart MoneyCard at WalmartMoneyCard.com - you have to purchase the cards at a Walmart store - but you can re-load money onto a Walmart MoneyCard at WalmartMoneyCard.com.

You can purchase, activate and recharge your Walmart MoneyCard at WalmartMoneyCard.com. You can log in to your account at WalMartMoneyCard.com to check status and add funds.

WalmartMoneyCard.com offers a range of cards for use according to your particular requirements. On offer at WalmartMoneyCard.com:

  • Walmart MoneyCard
  • Walmart MoneyCard -Student Edition
  • Walmart MoneyCard SharePak


Wow cards walmart

The Walmart Supermarket is hosting a Customer Survey to collect feedback. Take a few minutes to share your recent shopping experience with Walmart and win a $1000 grand prize after finishing the survey.

Walmart In-Store Satisfaction Survey Prize

  • One of five $1,000 Walmart shopping cards in America
  • One of three $1000 Walmart gift cards in Canada

Walmart In-Store Satisfaction Survey Sweepstakes Rules

  • No purchase necessary
  • Winners are selected randomly from all eligible entries
  • Sweepstakes is open to the legal residents in the 50 United States and the District of Columbia who are 18 or older and Cananda
  • Sweepstakes begins on May 1, 2013 and ends on July 31, 2013 in America and begins on July 18, 2013 and ends on July 17, 2014 in Canada

  • Online entry with purchase in America. Visit www.survey.walmart.com with your receipt.
  • Online entry without purchase in America. Go to www.entry.survey.walmart.com and complete the entry form with your complete name, mailing address, phone number and age.
  • Mail entry in America. On a postcard, hand write your complete name, mailing address, phone number and age and mail with proper postage to Q1 Walmart Sweepstakes, PO Box 6246, Clear Lake, MN 55319.
  • Online entry with purchase in Canada. Visit www.survey.walmart.ca with your receipt.
  • Mail entry in America. On a postcard, hand write your complete name, mailing address, phone number and age and mail with proper postage to PO Box 6066, Clear Lake, MN 55319.

Walmart In-Store Satisfaction Survey Step by Step Guide

  1. Select one of the language you prefer, English or Spanish.
  2. Enter the 5-digit zip code of your residence in America and the 6-digit post code in Canada.
  3. Then you will go to the question page starting with “Are you, or is anyone in your immediate family, a Walmart or Sam’s Club employee?” If yes, you are stopped to take the survey or enter the sweepstakes as you are one of the Walmart employees, Sam’s Club employees, or the immediate families. If no, you can go on your survey and share your feelings.
  4. Enter your date of birth.
  5. Make sure you have the receipt.
  6. Enter the store number and ID number located on your receipt.
  7. Click “continue” and answer the questions required.

{ Comments are closed }

Would you send me

would you send me

I see your Grace everyday in the messages and emails you send to me .

我 从你们 每天 给 我 的 信息 和 电子邮件里面 感受到了 你们 的 恩典 。

I have browsed the web site you send to me and studied some codes in the web site .

我 已经 看 了 你 发 过我 的 网站 , 并且 研究 了 里面的 程序代码 。

The more samples you send to me , the better presentation I can give to my clients .

您 发送 给 我 的 更多 的 样本 , 我 可以 给 我 的 客户 更好 的 介绍 。

I am able to translate any message you send to me .

我 能 翻译 您 发送 给 我 的 任何 消息 。

Why didn't you send to absolve me from my promise , when'' you wished I wouldn't keep it?

你 既然 愿意 我 不 守 诺言 , 为什么 不 派 人 送信 叫我 免了算啦?

Can you send it to me ? I am interested in it .

你 能 发给 我 吗? 我 对 这个 挺 感 兴趣 的。

你 可以 通过 邮寄 发 这些 给 我 吗?

Can you send me some pics of the items before you send them to me incase there was anything wrong with my specifications ?

在 你 把 他们 寄 给 我 之前 , 你 能 先 给 我 发 一些 图片 吗?另外, 我 给 你 的 产品 规格 有 问题 吗?

I'd really like to see them . Can you send them to me ?

我 非常 想 看看 。 你 可以 寄 给 我 吗?

Jane: Can you send it to me ? I am interested in it .

你 能 发给 我 吗? 我 对 这个挺 感 兴趣 的。

If this photo comes out good , will you send it to me ? ;

如果 这 张 相片 冲 出来 后 效果不错 , 你 肯 寄 一张 给 我 吗?

I need a miracle and ask that you send one to me and this situation quickly . Thank you and amen .

我 需要 奇迹 , 请 您 很快地 给予 我 和 目前 的 情境 一个 奇迹 , 谢谢 您 , 阿门 。

If this photo comes out good , will you send it to me ?

如果 这 张相片 冲 出来 后 效果不错 , 你 肯定 寄 一张 给 我 么?

Then you send dreams to me , and visions of fear ;

你 就 用 梦 惊骇 我 , 用 异 象 恐吓 我 。

I need this software , would you send it to me , thx very much …

我 需要 这个 软件 , 你 能 发给 我 吗, 非常 感谢 !….OK 。 请 查收 邮件 。 这个其实 我 …

I am so sorry for that the picture you sent to me, I could 't see it , Could you send it to me again ? …

客户 发 的 图片 显示不了, 我 要怎么回 他 很 遗憾 你 所 发 的 图片 无法 …

It’s so sweet of you to send me such a nice present .

你 真是 太 好 了 , 送 这么 好的 礼物 给 我 。

你 能 把 发票 寄给 我 吗?

Seeing Wa Li’s attitude, Chen shouted at her , “ I just go out of the hospital and the doctor said that I need to eat more nourishments . You want to send me away with such peanuts?”

看到 王莉一副“打发” 他 的 神情,陈勇军拿起钱 咆哮 着 说: “ 我 刚 出院 , 医生 说 我 需要 多 吃 补养 品, 你 就 想 拿 这 点钱 打发 我 ?”

Anyway , I request you to send me a notification , if you hack it or use it in any of your projects .

无论如何 , 我 请求 你 给 我 一个 通知 , 如果 你 删减 或 利用 它 在 你 的 任何 项目 中。

Notice how he says ,"I want you to send me on ."

When you able to send me the shipment sample yardage as request ?

你 什么时候 按 要求 给 我 寄运输 样品 码数 呢?

If possible , I will give you to send me a postcard I is a traditional Chinese girl .

如果 可能 , 我会 给 你 寄 我 的 明信片 ) 我 是个 传统 的 中国 女孩 。

If possible , I will give you to send me a postcard I is a traditional Chinese girl .

如果 可能 , 我会 给 你 寄 我 的 明信片 ) 我 是个 传统 的 中国 女孩 。

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Would like to know

8 Things I Would Like You To Know About Introverts

Would like to know

A few years ago, I complained to a girl friend about how my then-boyfriend was getting on my nerves. I told her how we would be hanging out in his apartment on the weekend and I would ask for some “alone time” to read or go online. He would say okay, but couldn’t go for more than a few minutes before he would start chattering away to me as I sat on his couch with a book. I would ask him to please let me have some time alone; he would get angry that I, as he put it, “didn’t want him to talk” in his own home. I felt so frustrated that he wasn’t respecting, or perhaps fundamentally understanding, what “alone time” meant and why it was important to me.

“You are an introvert,” my friend told me. “You relax and recharge your batteries being by yourself and withdrawing inside your own head. It sounds like he’s an extrovert. That means relaxing and recharging means being with other people.”

Oh, I thought. No one had ever explained my personality to me quite like that before. I used to believe I had strange, inexplicable over-stimulation issues; I also used to think I was a “loner.” Deep down, though, I knew that word wasn’t correctly descriptive, because I have many friends and a close family. Fortunately my friend’s metaphor about recharging batteries made perfect sense. It’s not that I hate people or don’t have any friends; I just need to have quiet in my head to, well, recharge.

Since I figured out that I was an introvert, so much of my life has made more sense. Why in high school and college did I prefer eating in the dining hall by myself? Why do I hate loud bars, restaurants and parties so much that I’ll leave? Why do I find chatty people so annoying? Why do I prefer hanging out with people in small groups or one-on-one? Why do I really need to write or read a book every day without interruption? The simple explanation is that interacting with other people, listening to loud noises and handling distractions drains me more quickly than they do other people. I need to withdraw or else I get cranky. Turning inward is what recharges my batteries (usually very quickly, actually). There’s a really good piece in The Atlantic called “Caring For Your Introvert,” by Jonathan Rauch, that explains introversion in detail from a psychological perspective.

The relationship didn’t work out with that ex-boyfriend, in part because I couldn’t deal with someone who demanded they be able to push themselves into my headspace. It was too annoying that he wouldn’t respect my need to be; he would do better to be with an extrovert (or an introvert that’s okay with getting stepped all over). These days, my husband is much more extroverted than me; he is very social and chummy and loves nothing more than a big, raucous bacchanal. But literally the moment that I say I need “alone time,” he’ll pop in his ear buds or go into another room. He knows I slip away and turn inward to recharge, but always come back happy to see him.

What else should you know about introverts, whether it’s you or someone you know or love? Here are eight thoughts I had and I’m happy to answer any more questions in the comments.

1. Being shy and being an introvert aren’t the same thing. This is a common misunderstanding. Shyness means feeling awkward, scared, or uncomfortable around other people. Being an introvert just means you want to withdraw after awhile. Shy people might also be introverts, but it’s not a given. I’m a little shy in the sense that I dislike being the center of attention, but that personality trait is separate from my introversion.

2. Introverts don’t hate people and we aren’t anti-social. Introverts have friends and family whom they love, just like everyone else. We go to parties, participate in clubs and need affection and praise just like anyone else. What introverts also need, though, is freedom from interacting with other people some of the time. External stimulation is the problem, not who or what the external stimulation is. It’s not relaxing for an introvert to shoot the breeze or to just not participate conversation. An introvert wants to solitude and/or silence to think things through, to daydream, or to relax. I find people who talk a lot or show off really, really annoying because it feels like an intrusion into my headspace. I’ll take myself away from them, but it doesn’t mean I “hate” them.

3. Introverts can sometimes be moody. Turning inward as much as we do, introverts are probably on more intimate footing with our moods and emotions. We likely seem like we are moody bastards, although I suspect it’s just because we are more introspective and thus aware of how we feel on a moment to moment basis. This doesn’t mean extroverts can’t be moody, too, or are out of touch with their emotions. Generally speaking, I would merely say introverts are more layered.

4. Introverts can be quiet and reserved, but that’s not necessarily part of the personality trait either. Introverts surely are quiet and reserved when we are recharging our batteries. Whether we’re jogging while listening to music, reading a book, or lounging in the sun, we won’t be interacting with other people — that’s for sure! But just like being introverted doesn’t mean you’re anti-social or hate people, it also doesn’t mean you’re necessarily quiet as a mouse. We like to have fun, too! I can be really silly with my friends and my hubby, enjoy dancing, and occasionally shriek with glee when I’m happy. You’ll probably just see it less often.

5. Introverts probably have less friends than extroverts, likely because we spend less time socializing. Less friends is not because we lack social skills. An extrovert recharges their batteries by hanging out with others. When they are chatting someone up at the bar or playing video games in a group they’re investing time in other people that can enhance friendships. Extroverts usually seem to have more friends, but I would argue that they probably have more friendly acquaintances rather than real friends. Introverts have social skills just like anyone else (in fact, they might even have more refined social skills because they’ve put more thought into them!).

6. You can’t change an introvert by being pushy. This is what my ex-boyfriend never failed to understand. It’s something that my best friend — a huge extrovert — struggles with as well. Nothing is “wrong.” Introverts aren’t waiting around to be pulled out of a shell. I won’t come out of my withdrawal if you ask me questions, or crack a joke, or turn on the TV or music. In fact, I’ll probably get up and leave the room — not to be rude, but just to preserve my sanity.

7. Introverts — at least, this introvert — sometimes feel resentful of extroverts because they’re more flashy and attention grabbing. Particularly in American culture, it seems like the bigger and louder your megaphone, the more people take you seriously. (Donald Trump would be an exception to this statement, obviously.) But having a big, loud megaphone doesn’t make you intelligent, or more socially skilled, or more sensitive. It just means you’re okay being the center of attention, usually whilst interacting with people. As Rauch notes his Atlantic piece, politics in particular seems to favor extroverts. Writing, music, art and academia are ideal for introverts.

8. Introverts know we can frustrate those around us by withdrawing but we hope you know we love you. I know I annoy friends when I don’t want to go to parties or hang out longer. I’ve been called a “party pooper” before. I do feel guilty about it, but not too guilty, because my desire to turn inward and be alone really isn’t personal! Withdrawing has to do with how we are feeling based on the past few minutes/hours/days and it has little to do with how we feel about you personally. You probably wouldn’t like being around a cranky introvert, so give them their space when they ask for it. We are pretty special people if you allow us to be ourselves.


Eight things the love of your life would like you to know

We here at Bright Side would like to share eight of these wonderful things, the love of your life, would like you to know.

The words "I love you" cannot express their deep meaning. Though the message they send can be reassuring, the emotion, the longing, the thrill, and the passion it comes with, goes far beyond words.

Expressing one’s feelings is neither easy, nor accurate in most of the cases. Feelings can be overwhelming, indecipherable, changing and confusing.

They can be of many kinds — both positive and negative — but one is always lingering in your partner’s heart. yes, it is the overwhelming love for you — the driving force that keeps him around you when you’re happy or sad, when you’re healthy or ill, when you’re up or down.

And when the roles reverse and your partner is the one that’s sad or ill or down, you’re still there in his heart, the best place you could ever be in.

And yes, your partner wants you to know that even when you fight and are angry at each other. Arguments and fights happen only because both of you CARE. If no one cared, no one would ever fight.

Life comes with a full to-do list and many variables. You have to make time for many people: kids, mom, dad, siblings, and friends. You then have to properly manage this time, attention, care and worries between the people who matter for you, yourself, your work, everyday chores etc.

Your partner doesn’t just want to blend in your daily routine. He is your significant other and wants to see that. Although the other person completely understand and respects your choices, he/she would actually want to be the most important person in your life, even if they will never say it.

You are the first person the love of your life thinks about when he needs help, the one he wants to make happy, the one he first runs to, to celebrate success, the one who can always put a smile on his face, the one he chose to share his life with. his better half.

You are all of these things because your partner thinks you’re awesome. Loving you means loving the way you look and pretty much everything you do. Yeah, everyone has their own problems, but in your partner’s eyes, you are perfect with all your imperfections. and that’s why he loves you and makes you his no.1. You are the champion of his heart.

Your partner’s life was not as fulfilling when you were not a part of it. You brought in more joy, excitement, happiness and, above all you made him feel complete. The two of you are a team and you could never be as strong and successful independently as you are together.

All relationships are supposed to make you grow on a personal level. Loving partner helps you become the best version of yourself. The simple fact that you believe and are supportive of your other half inspires him with incredible determination and power to do more and do better. He doesn’t want to let you down and that is why he puts in the effort.

You are his number 1, remember?! And that is why your opinion about your partner and your relationship matters most in this world. Appreciating a person and for every little thing they do for you will keep them motivated and striving to do better.

Critique is always demoralizing. Praise is scientifically proven to give better results.

You are the first person your partner turns to for help because the level of trust in you is complete. Trust in your judgment, trust in your support, in your loyalty, and trust in your feelings of love.

The love of your life believes you are that exceptional person who can change life for the better and that is why he loves you and stands by you.

Sunshine and sunsets are more charming since you came into your partner’s life. Mornings are more cheerful. Evenings are warmer. Holidays are better. You filled their heart, made them feel complete and helped them become a better person. Yes, you brighten their life each and every day by your simple presence, kind words and affectionate smiles.

Although most if not all of the times the love of your life will never tell you these things, take note and remember that they actually feel this way.


What would you like to know about Kindle Publishing?

Just a really quick post today!

How’s your 2016 shaping up so far?

Have you been making good progress towards your goals?

I’ve been working hard to get my course, Freedom Self Publishing, ready. This is probably my biggest goal of the year.

I’m super excited about this course.

It’s going to be a massive range of videos (45+ to start), all explaining the process of Kindle publishing, how to outsource the whole process, how to make your Kindle books bring you passive income, and all of the advanced strategies I’ve learned over the past couple of years!

It’s been a massive process, and there’s so much information I want to include.

I’ve been talking about Freedom Self Publishing for a while now, and I’ve been getting a lot of questions lately.

For now, to get you started with Kindle publishing I’ve been putting out a bunch of free content on YouTube, and I also wrote a book of my own. The book is only $0.99 on Amazon, and it covers the basics of my Kindle publishing process. You can check it out here: CLICK HERE

But, while I’m putting the finishing touches on Freedom Self Publishing, I’d love to hear your thoughts. What are your biggest questions about Kindle Publishing? What would you like to learn the most about Kindle Publishing?


Elena’s Models research: What would you like to know?

Would like to knowDating site Elena’s Models regularly conducts online polls for users, which attract 300-1500 responses from logged in, authorised members. Usually women are more active than men in answering questions.

See results of previous surveys by ElenasModels.com :

Is there a topic you would like to get answers to?

Maybe you’d love to know about Russian, Ukrainian, and Belarus women’s views to certain issues or problems?

We can ask ladies to answer, and they love to participate!

Suggest your topics for future research in the Comments section below.

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Worst store credit cards

Demerits of the Discover it®- 18 Month Balance Transfer Offer

The doubled cash back in the first year makes this card difficult to top. I will gladly go for this card because I really want to reduce my fuel spending; I will advise that one pairs this with the Chase Freedom ® so one can have two quarters per year earning higher rewards on gas.

BEST FOR CASH BACK

Merits of the Blue Cash Preferred® Card from American Express

  • The offer an unlimited 3% back on gas station purchases all year round.
  • Unlike Chase freedom and Discover it, bonuses are automated, keeping tract is not necessary.
  • They give 6% cash back at grocery stores on up to $6,000 in spending per 12 months. That’s a whopping $500 per month in spending.

Demerits of the Blue Cash Preferred® Card from American Express

  • Blue Cash Everyday® Card from American Express offers an annual fee of $0 but have lower rewards $2 at gas stations larger families will settle to earn only 1% as there’s a possibility of spending cap on grocery rewards.
  • Not internationally accepted because American Express isn’t as widely accepted as Visa or MasterCard.

If I find myself in the categories of people that spend a lot on gas, this card’s rewards structure is unusually generous for me. I especially like that it’s unlimited, so even if I’m a salesperson with a multi-state territory or if I’m dating someone in the next time zone, I’ll be able to fill my tank all year long without getting bumped down to a lower rewards rate.

If I drive a lot, the annual fee may be worth it. If not, consider the Blue Cash Everyday® Card from American Express or one of the bonus category cards instead.

BEST CREDIT UNION GAS CARD

Merits of the PenFed Platinum Rewards Visa Signature® Card

  • Annual fee is $0.
  • PenFed points are valued at a 1 cent each, so earning 5 points per dollar on gas purchases effectively means earning 5% back on gas.
  • Spend without limit on gas at the 5 points per dollar rewards rate.

Demerits of the PenFed Platinum Rewards Visa Signature® Card

  • You must have excellent credit to qualify for this card.
  • Can’t sign up without being a member of PenFed Credit Union. You can become a member by:
    • Be a member of the United States military
    • Be an employee of the United States government or other qualifying organization
    • Be an employee of or belong to a qualifying organization or association
    • Live or work at an eligible location
    • Be a relative or housemate to someone who is eligible
    • Make a one-time donation to Voices for America’s Troops ($14) or the National Military Family Association ($15).
  • PenFed points expire after 5 years, and redemption options are somewhat limited.
  • PenFed made it clear that the higher rewards rate is for gas purchases made at the pump, so gas station convenience store purchases are excluded.

Earning 5% back on gas all year, with no limit, is pretty appealing. That’s why the PenFed Platinum Rewards Visa Signature® Card makes this list, in spite of the inconvenience of joining the credit union and the fact that applicants without excellent credit may be turned away.

I will definitely consider this card if I drive a lot and don’t mind the hassle of redeeming for gift cards instead of cash, this card will put the highest rewards back in my pocket after I fill my tank.

Worst store credit cards

So What are the “Easy Store Credit Cards you can get Approved for”?

As for store credit cards their are easy cards you can get approved for and not so easy to get store cards. Most cards that are more easy to get approved for follow the same rules as major credit cards.

So you want to know how to find out and what to look for when learning about the best store card for you to get approved for?

For example, the standard American Express cards are harder to get approved for as are a store card that is affiliated with Amex. When applying for a store credit card do some research and find out what card company it is affiliated with.

An important tip would be to simply look at the store credit card image logo on the card. It most often will show who the card is affiliated with. Now if the store card does not show its face too easily then you might have to read the disclosure. Look for the banks that issue a credit card on behalf of the store you are interested in applying for. Then do a search on the bank, see if the individual bank is a type of bank that is hard to get approved for. Look for user posts and messages that will give you any clues. Typically you would like to look for subprime banks like Fifth Third or Capital One bank and Santander that are more well known for easier approval thresholds.

Learn about a store return policy for a particular department store. See what the rules are when you would like to return an item. Find out where to mail your returning items you have purchased and contact customer service to check on your return. See all store return policies in the store directory at StoreReturnPolicy.com

So here we put together what we feel are the best and easiest store credit cards that can greater your chances to be approved and start enjoying your card.

Your JCPenney Credit Card offers customers best rewards such as earning rewards for every penny spent. Special birthday gifts. Special bonus points. Sales events and offers exclusively to cardmembers.

  • Walmart

    The Walmart credit card offers many card benefits. No annual fee. When using your card you save five cents per gallon at Walmart gas stations.

  • Kohls

    With your Kohls Card you can maximize your savings. Combine discounts with sale prices and offers.

    Your Sears Credit Card can be used at Sears, Kmart and Land’s End in-stores and online. You will receive monthly savings, valuable coupons and more.

  • Disney

    Use your disney credit card on everyday purchases and redeem points toward most everything Disney.

  • Target

    Charge at Target stores or at Target.com and save 5% on all purchases. No annual fee.

  • American Eagle

    Get 15% off the month of your birthday with an American Eagle credit card. Member only sales and events. Don’t miss it.

  • Apple Store

    Purchase an Apple Gift Card for any occasion. Depending on which Apple Gift Card you choose to give, they can be used for Apple products, accessories, music, movies, games, apps, and more.

  • Bloomingdale’s

    Earn 6 points per dollar in cosmetics and fragrances when you shop with your Bloomingdale’s card.

  • Victoria’s Secret

    Become an Angel and start enjoying card benefits. Earn $10 rewards for every 250 points earned. Exclusive savings for Victoria’s Secret card members.

  • Worst store credit cards

    Apply for a store credit card. Good credit, bad credit or no credit. If you like to shop, apply for a store credit card. It is easy to apply for any store card. Just click on your favorite store and apply online. Most store credit cards have a low apr and no annual fees.

    If you have no credit or bad credit and are having a difficult time getting approved, you should apply for secured credit cards.

    Having good credit will benefit you in the future. Paying your bills on time and having a high credit score is crucial in maintaining good credit. Establishing credit should begin when you are young. Apply for credit cards and get a line of credit and keep in good standings. This will help you in the future.

    Store Credit Cards are easy to apply for. There are many stores to choose from including Macys, Sears, JCPenny, Boscovs, Lord and Taylor, Nordstrom, Neiman Marcus and more.

    When applying for credit cards try to find credit cards with no annual fees and low interest rates. Explore all credit card offers and find the right one for you.

    Worst store credit cards

    Your JCPenney Credit Card offers customers best rewards such as earning rewards for every penny spent. Special birthday gifts. Special bonus points. Sales events and offers exclusively to cardmembers.

  • Walmart

    The Walmart credit card offers many card benefits. No annual fee. When using your card you save five cents per gallon at Walmart gas stations.

  • Kohls

    With your Kohls Card you can maximize your savings. Combine discounts with sale prices and offers.

    Your Sears Credit Card can be used ast Sears, Kmart and Land’s End in-stores and online. You will receive monthly savings, valuable coupons and more.

  • Disney

    Use your disney credit card on everyday purchases and redeem points toward most everything Disney.

  • Target

    Charge at Target stores or at Target.com and save 5% on all purchases. No annual fee.

  • American Eagle

    Get 15% off the month of your birthday with an American Eagle credit card. Member only sales and events. Don’t miss it.

  • Apple Store

    Purchase an Apple Gift Card for any occasion. Depending on which Apple Gift Card you choose to give, they can be used for Apple products, accessories, music, movies, games, apps, and more.

  • Bloomingdale’s

    Earn 6 points per dollar in cosmetics and fragrances when you shop with your Bloomingdale’s card.

  • Victoria’s Secret

    Become an Angel and start enjoying card benefits. Earn $10 rewards for every 250 points earned. Exclusive savings for Victoria’s Secret cardmembers.

  • How do I apply for a credit card?

    A little planning can go a long way to make sure that you don’t only apply for a credit card, but also get approved for it. Applying for too many credit cards simultaneously is going to get adversely reflected on your credit score and that is the reason why this may not be the best way to go about it. When you apply, make sure that you plan it in a way so that your APR is low and the terms are suitable for you. There are some factors that you cannot change, for example, if you filed for bankruptcy or have many missed payments in your credit history. Here are tips that will help you apply for a credit card with a high chance of getting approved.

    BEST STORE CREDIT CARD REWARD PROGRAMS

    If you shop a lot at a favorite departmental store, then getting a store credit card might seem like a good decision. May be it is and maybe it is not. It depends on how you see it. However, to start out, we bring to you some of the credit card rewards programs that are being offered at the moment by popular stores in the United States.

    Popular Store Credit Cards

    • American Eagle Visa: With 4% in-store rewards and perks that include a 10% off birthday coupon and 15% off on your first purchase, this is as good as they come. The base reward rate is 1%.
    • Apple: The Apple card fetches you 2% in in-store rewards. You get 10% off on your 2 nd purchase at the store.
    • Best Buy Reward Zone MasterCard: Enjoy 4% in-store rewards and after you make your first purchase, you will get a $25 gift coupon to use at the store.
    • Bloomingdales AmEx: This card gives you 1.5% in in-store purchases and double points on fragrances and perfumes. When you buy 5 shoes from here, you get the 6 th one at 25% off.

    Getting a store credit card just for the sake heck of it is not a good idea. You can see why that is so. The main problem with specific store cards is that you enjoy benefits only when you shop at the particular store. And if you are like most people, you don’t shop at only one store. There are some great credit cards out there and if you research well, you will be able to find something that gives you awesome benefits when you go shopping!

    For those who want to save on purchases made at their best retailers, store cards a boon for them. But all the time store cards might not always bring the best perks with them. Some of them are specifically tied up to particular retail shops while there are many that gets the card holders lucrative rewards programs. The safe deal is therefore to go with such cards. 2015 has some of the best store credit cards on offer available to those with credit ranging from average to excellent. Store credit cards not only helps in getting initial bonuses but also offer surprises like a 0% intro term or a discount on the first very purchase.

    Some of the worth considering best store credit cards rewards programs of this year are:

    Discover it– This store credit card offers 5% cash back on rotating charges and other discounts that comes through the Discover Deals. There is a 14 months 0% purchase and balance transfer APR. There is also a 5% cash back on all the rotating bonus categories. There is no annual fee and foreign transaction fee.

    Blue Cash from American Express – Is a favorite for many typically because of the generous rewards it earns the credit holder. An unlimited 2% rewards across all department stores is hard to resist that this store credit card earns. The card offers 6% back on groceries, 3% at gas stations and department stores.

    Chase Freedom– Compared to others in the list, this store credit card is everyone’s first choice. There are a lot of bonus to avail throughout the entire years. For example, the first quarter earns bonus at Starbucks, grocery stores and movie theaters. The second quarter at restaurants, the third quarter at gas stations and the last quarter at Amazon.com. Outside these categories, the card holders earn 1% back.

    Walmart® Business Store Card- With a variable APR of 14.8%, one gets to enjoy low Walmart prices.

    TJX Store Card– With a variable APR of 26.99%, the card holder gets to enjoy special shopping hours.

    Stage Stores Credit Card– Earn a $10 Payback Reward for every $250 spend. Plus, there is a variable APR of 24.99%.

    Amazon.com Store Card – This store card earns 0% for 6 to 24 months and a variable APR of 25.99% after that. The credit card earns 6 months financing on any purchase made that totals up to $149 or more. The card holder gets 12 month financing on a purchase totaling to $599 or more.

    Sony Store Card – The Sony Store Card has APR of 0% for 6-36 months with a variable APR of 29.99% onwards. There is a special financing available on purchases of $199 or more. Valid throughout June, there is a 12 months special financing that is valid on purchases of $499 or more.

    Carson’s Credit Card– Earn a $20 Rewards Card after spending $200. The $20 Rewards Card can be used for any purchase that is above $50 or more. Plus. There is no APR.

    American Eagle Outfitters Store Card– This store credit card is simple. There is no annual fee and the variable APR that is to be paid is 24.99%.

    Lowe’s Store Card– Earn 6 months special financing on a $299 minimum purchase. Plus, the APR is 0% for 6 months and a variable APR of 24.99% after that.

    Walmart® Store Card – Card holders can get 0% APR for 6 to 24 months and a variable APR of 22.9% after that. No interest would be levied promotional purchase if the card holder pays in full within 6 months of any purchase ranging between $150 to $2&8.99; 12 months on a purchase of $2&9-$428.99; 18 months on purchase of $429- $598.99 or 24 months on purchasing totaling over $599 and more. This offer is valid in-store only throughout the month of August, 2015.


    Store credit cards: Are they really useful or simply some kind of trap?

    The whole concept related to credit cards has been a controversial subject since its inception. There is a category of people who have benefitted from them to a great extent, and there is a category of people who suffered great financial setback due to the credit card bills. Well, it appears that if one knows how to use them in a sensible manner, than credit card can prove to be of great help. Among the category credit cards, store credit cards are gaining popularity at a fast pace. The majority of the departmental store credit cards charge interest rates in the range of 20%. However, there are few pros and cons of applying for a new store credit card that are mentioned below:

    Great promotional offers : A store credit card is basically meant for offering discount, exclusive promotional offers, exclusive coupons and other kinds of perks to regular and frequent shoppers. Generally, it appears to be a win-win situation as it becomes possible for a retail store to increase the sale and it gets easier for the shoppers to avail great discounts while shopping.

    Facilitate in recreating a credit history : Those, who have been looking for a reliable and effective way to recreate a credit history may think of store credit card. Generally, it has been observed that instead of turning away the appliers who formerly had bad credit score, various retail stores don’t mind in offering them store credit card. This attitude of retail stores really help such people by facilitating them in rebuilding a credit history and getting rid of tarnished reputation.

    Affect credit score : Apparently, the decision related to applying for a store credit card can have a negative influence on your credit score, due to the addition of one more credit card.

    High interest rates : If one has a glance on the big picture, then one would be able to see that due to the high interest rates, the long term disadvantages outnumber the advantages. If a card holder fails in making a timely payment for the card, he would end up in paying a hefty penalty in the form of interest charges and that means he would end up incurring more loses in comparison to the amount saved by him.

    Low credit limits: Store credit cards offer low credit limit since their aim is to tempt the customers to buy more and that can only be made possible if they keep the credit limits low.

    Limited use : Since a store credit card is limited to a specific store, it is not of much use. Due to this reason, the majority of people prefer to keep the temptation of applying for a store credit card at bay.

    According to the opinion of a few people, store credit card is nothing but a kind of trap because it is being designed in such a tactful manner that customers get this feel that they are the beneficiaries. As far as the discount and other promotional offers are concerned, they can be availed by merely signing up for email newsletter with a store. However, if you really desire to apply for a store credit card then ensure comparing the card with the store credit card offered by other retail store, in order to avail the best offers and discounts.

    The Risks of Store Credit Cards – YouTube Video

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    Worst credit cards to own

    Worst credit cards to own ARE THERE CREDIT CARD COMPANIES THAT APPROVE BAD CREDIT?

    Having no or bad credit can make the credit and loan search somewhat difficult. What we have done here is list every bank and financial institution we can find online that may approve bad credit credit card request.

    There Are Many Types Of Credit Cards That Can Be Used To Start Rebuilding Your Credit Score

    On this page you will find unsecured credit cards designed for people with bad credit. Meaning you don’t have to have a good credit score in order to apply. Be prepared. Bad credit unsecured credit cards tend to have a processing fee and have low credit lines. Click Here To Find Unsecured bad credit credit cards and to apply online!

  • These credit cards require a security deposit, and report as unsecured on your credit report. They are the credit builder of choice because you can set your own credit limit (your credit limit will generally equal the amount of your security deposit). They tend to have lower processing fees then their unsecured counterparts. With steady on time payments, many secured credit cards will become unsecured after a year. And your security deposit gets returned to you! That’s why secured credit cards are our favorite way to help our reader start building credit. Low processing fees, you set your own limit, you get it back AND sometimes earn interest on the money you use as security! You should DEFINITELY take a look at a secured credit card if you are looking to rebuild your credit! Click Here!

  • Pre-paid cards are basically debit cards with the Visa or Mastercard logo on them. These debit cards generally do not require a credit check, which causes some people to call them guaranteed approval cards. Many of them have credit builder programs, which means for a fee they will report your credit card activity to the credit reporting agencies. On your credit report, it will look just just like an unsecured credit card. Thus helping you build up your credit profile. Prepaid cards are mostly used for convenience or by people who have set up a budget and want to use them to stick to it! If you want to use it for credit repair, you MUST make sure it has the credit builder program. Click Here For A List of Prepaid Debit Cards and To Apply Online

  • Is your credit report full of credit cards with low credit lines? If you have been turned down for a loan or credit card because you lack comparable credit” merchandise cards can help! Again they just look like a regular credit card on your credit report. What makes them great for credit repair is that they routinely give large credit lines to their customers. Many of them range between $5,000 – $10,000! Catalog cards can only be used to purchase items from the catalog they are attached too. Click Here For A List Of Guaranteed Approval Catalog Cards


  • Best Unsecured Credit Cards for Bad Credit of 2017

    Find the best unsecured card to begin rebuilding your credit.

    Best Unsecured Credit Cards for Bad Credit of 2017

    Find the best unsecured card to begin rebuilding your credit.

    Credit cards are either secured or unsecured. Unsecured cards are the most common and do not require a deposit to open the account; secured cards require a cash security deposit that can be retained by the issuer if the cardholder defaults on payments.

    Most credit cards designed for people with bad credit are secured. However, there are a number of unsecured credit cards that can be used to improve or establish your credit. If you have bad credit, unsecured cards can be risky, as they often do not have the best terms. Interest rates and fees can be high and may do more harm than good.

    An unsecured credit card can help you improve your credit, but it’s important to understand how unsecured cards work and which are the best ones available.

    Unsecured credit cards for bad credit are not backed by a cash deposit like secured cards. They are traditional credit cards that can be used to pay for purchases and are subject to interest and late fees.

    Unsecured credit cards for bad credit are designed for people who have trouble getting approved for regular cards. They have lower approval requirements, so you may be approved for one even with a poor credit score. They can offer a good opportunity for rebuilding or establishing your credit, but they often have drawbacks like high interest rates and fees.

    Unsecured credit cards for bad credit are useful for people who:

    • Have a poor FICO score (579 and below)
    • Want to establish a credit history

    Related Low Credit Score Card Categories

    Your credit score is a numerical representation of your creditworthiness. It is one of the factors that lenders use when making approval decisions. Your credit score is an indicator of how well you pay your debts and how big of a risk you represent to lenders. There are several different credit scoring models in use today, but the most common is the FICO score.

    Your FICO score is calculated based on the data in your credit report collected by the three major credit bureaus: Equifax, Experian and TransUnion. That data includes your outstanding debt, payment history, defaults, judgements and bankruptcies.

    • Exceptional (800+)
    • Very good (740-799)
    • Good (670-739)
    • Fair (580-669)
    • Poor (579 and below)

    If you have a credit score in the poor FICO range, you have bad credit. People with bad credit have very little creditworthiness and often find it difficult to obtain a new unsecured credit card.

    The Consumer Financial Protection Bureau recommends four ways to obtain your FICO score:

    • Purchase directly from MyFico.com for $19.95 (this includes your FICO score from all three major credit bureaus)
    • Paid credit monitoring services
    • A nonprofit credit counselor (make sure to use a government approved counselor)
    • Your monthly credit card statement if it is offered as a cardholder benefit

    People with bad credit are risky for creditors. They have a greater chance of defaulting than someone with a higher score, which is why applicants with bad credit are often denied new cards. Credit cards for people with bad credit are designed to offer a second chance while also protecting the lender against the possibility of default.

    Typically, creditors use secured cards to offset their risk. These cards require a cash security deposit on the account, typically 50 to 100 percent of the credit limit. If you miss a monthly payment on a secured card, the creditor may use money from the deposit to pay the bill. Most secured credit cards have very low starting credit limits.

    With unsecured cards for bad credit, issuers offset their risk by charging high interest rates, steep penalties for late payments and regular maintenance fees. With a higher cost to use the card, issuers make more money upfront in case a cardholder defaults. Like secured cards, unsecured cards for bad credit usually have low credit limits, though they are typically higher than the limits on secured cards.

    Benefits of unsecured cards for people with bad credit:

    Drawbacks of unsecured cards for people with bad credit:

    • High interest rates
    • Potential high annual fees
    • Potential monthly maintenance fees

    Read the Best Credit Cards for Bad Credit guide to learn how you can use credit cards to improve your credit score.

    If you have bad credit and are looking for an unsecured credit card, you should research these key features before applying:

    1. APR
    2. Annual fee
    3. Additional fees and charges
    4. Credit limit
    5. Ability to increase credit limit
    6. Penalty APR
    7. Foreign transaction fee
    8. Reporting to the three credit bureaus
    9. Rewards
    10. Cardholder benefits
    11. Prequalification

    For unsecured credit cards, the features with the largest potential impact to your credit and finances are the APR, annual fee and additional charges. These are the features that can make an unsecured credit card expensive to own even with responsible use.

    Unsecured credit cards for bad credit typically have APRs that are 10 to 15 percent higher than traditional cards for people with good credit scores. Carrying a balance on a high-interest card can result in significant interest charges, so you should find a card with the lowest rate possible.

    Most credit cards for bad credit charge an annual fee to maintain the account, either in one large sum or divided into monthly installments. Many charge a variety of additional fees as well, including monthly maintenance charges, account verification fees, credit limit increase fees and more.

    All of these fees are charged directly to your balance, where they will accrue interest just like a purchase. Even if you never use the card for purchases, just owning it and incurring fees will cost you money. Plus, credit limits on unsecured cards for bad credit are typically much lower than traditional cards. All of those fees can result in a high utilization ratio, which can have a negative impact on your credit score.

    To save money and prevent further damage to your credit score, you should look for a card with the lowest annual fee and least amount of additional charges.

    Read the Best Credit Cards for Bad Credit guide for complete information on these key features and how to evaluate them.

    Best for cash back rewards and prequalification

    Best for no monthly maintenance fee and prequalification


    Worst credit cards to own

    Worst credit cards to own

    Worst credit cards to own

    Worst credit cards to own

    Worst credit cards to own

    Worst credit cards to own

    This content is not provided or commissioned by the bank advertiser. Opinions expressed here are author’s alone, not those of the bank advertiser, and have not been reviewed, approved or otherwise endorsed by the bank advertiser. This site may be compensated through the bank advertiser Affiliate Program.

    Credit cards are good. Seriously. I think just about everyone should have at least one credit card to help build credit, use for emergencies, fraud protection, and a host of other benefits. But I know that not everyone agrees with me, and many people think that credit cards are bad.

    When you’re dealing with credit cards, there are several different things that you should know. It’s important that you understand all of the advantages and disadvantages that you should be aware of when you’re handling your finances. Your finances are one of the most important areas of your life, and it’s important that you’re getting the most out of it.

    A reader who has had past difficulties with credit card debt challenged me to stop using credit cards:

    Ryan, I challenge you to go three months without using your credit cards! Put the $1000 emergency fund in place, freeze your credit cards (better yet cut them up!), and go the entire first quarter of the fiscal year without the plastic.

    She believes credit cards are bad and that no one should use them. She has had problems with debt, so I understand where she is coming from. But even though she doesn’t love credit cards, I think her statement takes it just a little too far. Not everyone is in debt, and many people gain benefits from their credit cards.

    This article is going to explore the different advantages of credit cards and some of the different ways that you can use them. Hopefully, this post will answer any questions that you have and give you some insight into the world of credit cards. I know that everybody is different, which means that not everyone is going to need a credit card, but I’m speaking for the majority of people.

    1. Build credit history: Charging small amounts and paying them off is a great way to establish credit history. Without credit history, it can be more difficult to get loans (including good loans such as student loans or a mortgage), secure insurance, or even land a job. If you are able to secure a loan without any credit history, your loan rate may be higher as a result.

    Having a good credit history can help save you thousands of dollars on all of the major loans in your life. For example, when you apply for a mortgage loan, the difference in an applicant with a good credit history versus a bad history could be thousands of dollars. Holding a credit card, and making timely payments is one of the easiest ways that you can build your credit history.

    2. Emergency source of funds: I mean for a real emergency. A real emergency fund is always best, but not everyone has $1000 cash to buy emergency airline tickets, make car repairs, deal with a natural disaster, etc. And in my opinion, paying 15% interest is much better than taking out a payday loan in an emergency. Some payday loans have interest rates near 1000% if left for an entire year.

    As we mentioned, having your emergency fund in cash in a savings account is a much better idea, but if you don’t have that available, a credit card can be one of the best ways that you can pay for the bills that pop up. If something were to break or some emergency pop up, it can be difficult to pay for those bills, but that’s where your credit card will come in. It will give you and your family the money that they need.

    3. Fraud / Theft Protection: If your card is lost or stolen, you are only responsible for the first $50 in unauthorized charges. Fraud protection for debit is similar, but only if you notify your financial institution within 2 days. If you wait longer than 2 days, you can be liable for up to $500 on your debit account. Fraud and theft protection is non-existent for cash.

    4. Disputed charges: When you dispute a charge on your credit card, most credit card companies remove the charge until the dispute is resolved. With a debit card, the money will not be returned unless you can prove the dispute in your favor. With cash, the money is usually gone.

    5. Rewards: Many credit cards offer rewards including cash back, airline miles, discounts, rebates, gift cards and many others. Most of these rewards are designed to get people hooked into using the cards or spending more than they would otherwise, but used properly, rewards points can earn you a lot of money. Some credit cards offer a sign up bonus of several hundred dollars – just for opening an account and meeting a minimum spending requirement.

    6. Convenience: I don’t like to carry large amounts of cash with me. If you lose it, it’s gone. If it’s stolen, it’s gone. Credit cards are small, convenient, and carry better consumer protections. They are also convenient to use to buy things on-line, or to buy large dollar items. Another, convenience is travel. I will be going on a cruise next week and if I use my credit cards I won’t need to exchange as much currency. Some credit cards don’t even charge a foreign transaction fee.

    7. Car rentals: Some car rental agencies will not allow you to rent a car if you do not have a credit card. Some may allow you to rent a car with a debit card, but may lock up a substantial amount of money in your account until you return the car. You won’t be able to use those funds during that time. Many credit cards also provide additional liability insurance when you rent a car. Debit cards? Not so much.

    8. Extended warranties: Many credit card companies provide extended warranties on items you purchase with their card. In some cases, the manufacturer’s warranties are doubled. That’s not a bad feature!

    9. Short term loan: Credit cards usually have a grace period, after which your payment is due. This can be several weeks, which allows you to earn interest on purchases you have already made. While this may not be a big deal for a hundred dollars, if you charge a thousand dollars every month and add it up over the course of a year, you can actually earn some decent money with this. With cash or debit cards, the money is immediately removed from your account and you do not earn any interest on it.

    10. Budgeting tools: Most credit card companies provide detailed transaction logs which are easily downloaded into Quicken, Mint.com, or other free money management tools. This makes budgeting much easier to track and plan. Yes, it can be done with cash, but it is much more labor intensive. And time, as they say, is money.

    Honorable Mention (NOT FOR EVERYONE. )

    • Credit card arbitrage: (Note:this is only for experienced credit card users and not recommended unless you completely understand what you are doing, and are responsible enough to follow through with it). Credit card arbitrage entails taking a cash advance on an introductory 0% interest credit card offer, investing the money in a bank account to earn interest, and paying minimum payments until right before interest kicks in, then paying the card in full. Some people are able to do this to the point of having $100,000 in credit card debt, but the debt is actually cash which is earning them money in the bank. Use this calculator to determine how much you could earn from 0% balance transfers.

    To get the most out of the benefits listed above, the credit card holder needs to pay the entire balance in full every month. When used properly, credit cards can be a very useful addition to someone’s life. When they are not used properly, credit cards can be BAD! In fact, I am an advocate of not using credit cards if that is not the best financial decision for your situation. Even though they do not have as many benefits as credit cards, I also think using debit cards can be a great way to make financial transactions. Always do your research, and please be financially responsible.

    The 10 reasons I listed above are benefits for me because I do not carry a credit card balance (I do not practice the “honorable mention” benefit, but it is worth noting). My wife and I have been blessed to have been able to put together a sufficient emergency fund, and we are able to use our credit cards for our purchases and pay them off in full every month. I won’t stop using my credit cards because for me, it is not a problem. In fact, doing so would cost me money.

    In my opinion, everyone can benefit from having a credit card if they use it responsibly. The key here is responsible use. If you know you can’t handle it, or don’t think you can, then don’t do it.

    If you have any more questions about credit cards or how you can use them, don’t hesitate to contact me today. I would be happy to answer those questions and ensure that you’re getting the most out of your finances. I know that navigating the financial waters isn’t easy, but that’s why I’m here to help. There are dozens and dozens of credit cards on the market, which means that there is one that will work well for you.

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    Worst credit cards ever

    Credit Cards and Prepaid Cards for People with Bad Credit

    Having bad credit and looking for the best credit offers for you? You have chosen the right site! We present prepaid cards and credit cards for people with bad credit history. Compare the offers at our site and submit your application online!

    All credit types welcome to apply!

    Monthly reporting to the three major credit bureaus.

    Initial Credit Limit of $500.00!* (subject to available credit).

    $500 Credit Limit. No Credit Check.

    No Employment Check.

    Must have Active Debit Card or Credit Card to qualify.

    • Get the security and convenience of a full-feature, unsecured VISAВ® Credit Card - accepted at millions of merchant and ATM locations nationwide and online
    • Reporting monthly to all three major credit reporting agencies
    • Perfect credit not required for approval; we may approve you when others won’t
    • You may be eligible for a Credit Line Increase after six months
    • Easy and secure online application
    • If approved, pay a Processing Fee and you can access the $300 credit limit (subject to available credit)
    • Receive your card more quickly with optional Expedited Processing (additional fee applies)
    • Get a result in as little as 60 seconds upon completion of the online application
    • Online Customer Center available 24 x 7
    • Issued by Mid America Bank & Trust Company, Member: FDIC
    • Checking Account Required
    • Fast and easy application process; response provided in seconds
    • A genuine VISA card accepted by merchants nationwide across the USA and online
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    • Checking Account Required
    • Fast and easy application process; response provided in seconds
    • A genuine VISA card accepted by merchants nationwide across the USA and online
    • Manageable monthly payments
    • If approved, simply pay a Processing Fee to open your account and access your available credit
    • Reports monthly to all three major credit bureaus
    • Select your favorite card design from our gallery, for free!
    • No-Fee credit line increase opportunities!
    • No Annual Fee. See WebBank/Fingerhut Credit Account Terms.
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    • Instant Response (Delays may occur depending on application data provided).
    • Apply for a WebBank/Fingerhut Credit Account today. Fill out our easy online application.
    • Low Monthly Payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of the credit.
    • Choose From Over 450,000 items.
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    • Get the Credit You Deserve.
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    • Checking Account Required
    • Fast and easy application process; response provided in seconds
    • A genuine VISA card accepted by merchants nationwide across the USA and online
    • Manageable monthly payments
    • If approved, simply pay a Processing Fee to open your account and access your available credit
    • Reports monthly to all three major credit bureaus
    • Select your favorite card design from our gallery, for free!
    • No-Fee credit line increase opportunities!

    Worst credit cards ever

    • It takes less than 1 minute
    • Will Not Affect Your Credit Score

    Are you interested in finding credit cards, debit cards, or prepaid cards that are offered to people with less than perfect credit? We offer a wide range of these types of card offers.

    When money is tight, it’s good to have a few tricks up your sleeve for painlessly saving money. Everyone has heard the old advice about making coffee at home and skipping the fancy latte on the way .

    October 07, 2016

    If you've ever been slapped with a credit card fee, you know it's no fun at all. You can incur a fee for making a late payment, getting money out of an ATM, buying something with your card overseas, .

    Ask our credit card experts and you'll receive the answers by e-mail.


    worst credit cards ever

    Worst credit cards ever

    Before we begin, allow me to clarify one point: the thoughts and opinions expressed by myself do not necessarily reflect the views of this website, any of the contributors, nor the editorial team. With that being written, I would love to hear my colleagues’ take on this list.

    I consider myself a proponent of both responsible credit use and hunting for points. In fact, I do not believe these activities to be mutually exclusive to one another. When travelers make a plan and track their spending, the world can be theirs to see for little more than a song. However, there is a dark side to everything, and credit cards are certainly no exception. For all the great travel cards available to consumers, there is a whole host of products out there that offer more frustration than benefits.

    Even for those frugal travelers with bad credit, there are a lot of better options to consider before reaching for one of these credit cards. In my humble opinion (and mine alone), these are the three credit cards you probably don’t want.

    1. Credit One Bank Platinum Visa

    I will give Credit One some credit: at the time of this writing, the company changed their policies to offer one percent cash back on purchases at gas stations and grocery stores. Even with the cash back, this card is probably one you probably don’t want to add to your wallet.

    According to the disclosure, cardholders are subject to an annual percentage rate between 17.9 and 23.9 percent. Moreover, “some accounts” will find their annual fee (between $39 and $99 annually) split up between 12 monthly payments. Therefore, in addition to any spending that takes place, the cardholder will be forced to pay their annual payment in monthly installments.

    For those cardholders rebuilding their credit and looking for cash back, there are better options than the Credit One Platinum Visa. The Chase Freedom Visa card has a low minimum spend threshold and offers bonus categories for cash back every quarter.

    2. First Premier Bank Gold Mastercard

    For those who thought it could not get worse, meet the First Premier Bank Gold Mastercard. The good news is that many people qualify for this card, with a guaranteed minimum credit limit of $300.

    That’s where the good news ends. First Premier Bank charges a $95 fee to open the account, followed by a whopping 36 percent interest on purchases. To make matters worse, the card comes with both an annual service fee, followed by a monthly servicing fee. The privilege of holding this card comes at the cost of $245 for the first year.

    Even those desperate for credit should avoid this card. Instead, consider a secured card or an alternate method to earn points and miles as recommended by our experts.

    Finally, my last pick isn’t really a credit card at all (at least not in the traditional sense). Reminiscent of another direct purchase outlet, the Vast Platinum Card is eager to offer travelers a $1,000 credit limit with no credit check, the benefits of roadside assistance and free legal assistance…and little else from there.

    The Vast Platinum is not endorsed by one of the four issuing bank networks, meaning it is useless outside of the issuer’s direct purchase website. Furthermore, the credit limit comes with a litany of fees: $29.95 for the application, and $19.95 every month it is open. In addition, it is impossible to access the purchasing website without opening an account, which means assessing the value of the card without opening an account is impossible. As the saying goes: if it sounds too good to be true, it probably is.

    What are the cards you avoid at all costs? Let me know what cards you would have included on this list in the comments below!


    What Are The Best Credit Cards for Bad Credit of 2017?

    We reviewed hundreds of offers to track down the best credit cards for bad credit. If you have a FICO score below 600, or no credit whatsoever, these are some of the best offers that will be available to you. We broke out the cards into various categories that should fit a variety of consumer needs – everything from cash back to low interest rates.

    Credit Cards for Bad Credit.

    Best Bad Credit Credit Card for Cash Back Rewards: Discover it® Secured Card ­- No Annual Fee

    The Discover it® Secured Card ­- No Annual Fee is best for individuals with bad credit who want to work on improving their credit score while earning cash back along the way. The card earns users cash back on everyday purchases, just like credit cards available to individuals with average or better credit scores. Cardholders receive 2% cash back at restaurants or gas stations on up to $1,000 in combined purchases each quarter, and an unlimited 1% otherwise. After your account has been opened for 8 months, it will be considered for an upgrade to one of the other Discover products - some of which are the most attractive cash back credit cards on the market. As long as you continue to make all your payments on time, and keep credit utilization low, your credit score will increase over time. Keep in mind this is not a credit card that you want to carry a balance on. It has an extremely high APR, so you should always pay off your bill in full.

    Best Credit Card for Bad Credit with Low Interest: State Department EMV Savings Secured Visa Platinum Card

    The State Department EMV Secured card is a good option for anyone who happens to have a credit score below 600 and needs to carry a balance month-to-month. With a minimum APR of 7.24% APR, this card has one of the lowest interest rates we’ve seen on a secured card. Even when you compare it against ordinary cards, interest rates below 10% are a rare sight to behold. Credit cards for people with bad credit have an average APR of around 16%, so you save a little more than 50% on interest charges compared to the typical card of this type. The EMV Savings Secured Visa Platinum doesn't charge its users an annual fee, allowing cardholders to put that bit of extra cash towards the security deposit, paying down a balance, or simply keeping a few extra bucks in their pocket. Best of all, you don't need to be a State Department employee to qualify; a membership with the American Consumer Council makes you eligible.

    Best Credit Card for Students With Thin/No Credit (No Deposit Needed): Discover it® for Students

    This card is excellent for people with little to no credit, like students, who want to build their credit score. The Discover it® for Students provides 5% cash back in rotating categories each quarter like Amazon.com, restaurants, ground transportation and more, up to the quarterly maximum each time you activate. Outside of that, you get 1% back on everything else. Currently, new cardmembers get a dollar-for-dollar match of all the cash back they’ve earned at the end of your first year. That makes this card all-the-more powerful during those first 12 months.

    Because this is a student credit card, and not a secured card like others on this list, users don't need to put down a security deposit. You can read more about the Discover it® for Students in our review.

    Best Credit Card for Bad Credit With High Credit Limits: Capital One® Secured Mastercard®

    The Capital One® Secured Mastercard® is great for individuals who wish to have a high credit limit, without having to put up too much money up front. With this card, your security deposit gets you extra bang for the buck. Depositing more than the minimum can get you higher credit limits. This is considerably better than some other secured cards, like the EMV Savings Secured Visa Platinum card, which awards just a $250 credit limit in turn for a $250 security deposit. On top of offering a higher credit line, Capital One provides cardmembers with the ability to monitor their credit score free of charge. This is a vital tool for anyone looking to rebuild their credit history as it allows one to see exactly how their spending/payments habits impact their credit score.

    Best Credit Card for Bad Credit for Earning Miles: AeroMexico Visa Secured Card

    Individuals who have no trouble paying off their monthly credit balance, and have a firm handle on their finances should use the AeroMexico Visa Secured to earn miles. This card comes with an annual $99 companion certificate, which acts as a ‘buy 1 get 1 for $99” on AeroMexico airline tickets. Cardholders also get 5,000 bonus One Club Premier Miles the first time they use their card. By all standards, the AeroMexico Visa Secured card is structured like a regular travel rewards credit card, with a fairly decent rewards rate – it can range between 1.3% to 2.8% depending on how you redeem your flights, or twice that if you spend exclusively on gas and groceries.

    Custom fitting a credit card reward's program requires a lot of math and calculations. Our tool does all the heavy lifting for you - simply enter your estimated monthly spending into the categories, and we will figure out which credit cards will provide you with the highest yield.

    The Net Rewards Rate is equal to the Rewards Value over two years divided by the total spending. The total spending is equal to the values entered into the tool and multiplied by 24 months. See the Rewards Value note to see details on how it is calculated.

    The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

    The bonus field shows our estimate for the value of the card’s sign-up bonus. If the bonus is point or mile based, we multiply the total bonus points/miles by our estimate for their value to arrive at a dollar equivalent. We display $0 if there is no bonus or if the user doesn’t qualify for the bonus based on the current spending entered into the tool.

    The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

    The Rewards Value is calculated by adding together the rewards earned from charging purchases to the card over two years and any sign-up bonuses (if applicable). They are then multiplied by our estimated point/mile value, with any annual fees (if applicable) subtracted. All values are based on our own estimates for the dollar value of any points, miles or bonuses earned using a card.

    The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

    • New! We’ll monitor your Social Security Number. Get an alert if we find your Social Security Number on any of thousands of risky websites.* Activate for FREE.
    • Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
    • Earn 5% cash back in rotating categories each quarter like Amazon.com, restaurants, ground transportation and more, up to the quarterly maximum each time you activate.
    • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
    • No annual fee. No late fee on first late payment. No APR change for paying late.
    • Get 100% U.S. based customer service & your FICO® Credit Score for free on monthly statements, on mobile and online.
    • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
    • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.99% - 22.99%.
    • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
    • New! We’ll monitor your Social Security Number. Get an alert if we find your Social Security Number on any of thousands of risky websites.* Activate for FREE.
    • No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.
    • Your Secured Card requires a refundable security deposit up to the amount we can approve of at least $200 which will establish your credit line. You will need to provide your bank information when submitting your security deposit.
    • We will automatically begin reviewing your account starting at 8 months to see if we can transition you to an unsecured line of credit.
    • Earn 2% cash back at restaurants & gas stations on up to $1,000 in combined purchases each quarter. Plus, 1% cash back on all your other purchases.
    • Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
    • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
    • 5,000 First Use Bonus Miles plus Complimentary Companion Certificate
    • 1 Club Premier Mile per $1 spent
    • 2 miles per $1 spent on Gas & Groceries
    • Complimentary Baggage
    • Earn 1 Flexpoint reward for each dollar you spend
    • Flexpoints can be earned on any net purchases at the rate of 1 per dollar
    • Earn 1 nRewards point for each dollar you spend
    • nRewards can be earned on any net purchases at the rate of 1 per dollar
    • No Annual Fee, and unlike a prepaid card, it helps build credit history with monthly notifications to the credit bureaus
    • A security deposit is required for this product (minimum $200)
    • Pay your bill on time every month to avoid damaging your credit. Citi can help keep you on track with Auto Pay, online Bill Pay and alerts.
    • Use the card anywhere Mastercard® is accepted - worldwide

    Worst credit cards ever

    For those who want a quick recap of the best credit cards for bad credit, you can find the most relevant information in the table below.

    Whatever your financial situation is, if you have a bad credit score, your number one priority should be rebuilding it. We recommend that consumers practice these simple for a positive impact on their credit score.

    Pay your credit card balance in full and on time each month. Paying off your debts is a surefire way of showing credit agencies that you are a responsible spender – meaning you don’t take on loans you can’t pay off. Do what it takes, from setting up a monthly reminder on your cell phone or your calendar, or start a recurring monthly payment from your checking account so that it doesn't slip your mind. While it may be tempting to just pay the minimum, and not worry about some of your balance, there are even more negatives to it other than the damage to your credit score. Most bad credit credit cards have unfortunately high interest rates, which means your interest costs will be greater - unless you have the EMV Savings Secured Visa Platinum Card.

    Don’t spend beyond your credit limit. Most experts agree that using more than 60% of your total available credit limit has a negative impact on your credit score. With the typical secured credit cards starting off with minimum balances of $250 you do not have much room for error. While issuers do give you a certain amount of credit, they like to think that you don’t rely on it completely – the closer you are to your limit, the more desperate you appear to a reporting agency.

    Find someone to co-sign your credit card with you. If you have a family member or close friend with a good credit score, see if they are willing to co-sign on your new credit card. They will be taking on a share of your responsibility, if you are unable to pay back your debt. In return you will effectively be boosting your credit score for that credit application – resulting in being qualified for better credit cards that can ultimately end up saving you more money.

    One of the few things that can turn a bad situation worse is not understanding why you are in a bad situation in the first place. It can be frustrating being told that you have bad credit, when you don’t know what got you there. Below we explain three of some of the most common pitfalls consumers make that lead them to having a bad credit score.

    Avoid late payments. One of the biggest culprits behind ruining credit scores is paying your credit card bill late. Consumers tend to think that outside of paying a late fee, there are no other consequences associated with a late payment. First and foremost, being late on your payment will have a direct impact on your FICO score. The later you are, the greater the damage. On top of hurting your credit score directly, being late on a payment can raise your APR. That means, if you carry a balance, you will pay a higher interest rate on it. If you are not ready to pay more, you will likely carry an even greater balance and the effects of this can easily snowball out of one’s control.

    Don’t apply for many credit cards in a short period of time. Part of what determines your FICO score is appearances. Companies who look at your financial habits like to see you act as though credit is a nice perk, which you don’t necessarily need. Each time you submit an application for a credit card, loan or anything of this sort an inquiry is made into your credit card. When multiple inquiries are made within a short period of time, credit-reporting agencies perceive this as you needing credit desperately – something that does not bode well for your ability to pay it back. When this happens, your credit score can lower and you may be denied your applications.

    Don’t defaulting on a loan or declare bankruptcy. While throwing in the towel may save one headache in the present, defaulting on a loan or declaring bankruptcy should always be a last resort. If you ever do either of these two things, it will become part of your permanent record. Having declared bankruptcy digs a very deep hole in one’s credit history – one that will take multiple years to dig out in the future.

    * See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuer's website.

    Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.

    These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

    How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

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    Worst credit cards 2015

    Get Credit Card for Bad Credit Score in India: Eligibility, Benefits

    With the increasing usage of credit card in India, number of defaulters are also increasing. This is resulting in bank or credit card company denying card applications of the individuals with a bad credit since they have a low CIBIL score. There could be many reasons why a person defaults a credit card payment such as job loss due to recession, family emergency, negligence and many others.

    So how can an individual get credit card when he/she has a bad credit score? The best answer is secured credit card. And this can be a starting point and the most easiest way to build a credit history.

    The only requirement for the person with a bad credit when applying for a secured credit card is having a cash collateral deposit or fixed deposit with the bank. Higher the amount kept with the bank higher will be the credit limit. So for e.g. if you keep Rs. 50, 000 in the fixed deposit, then your credit limit would be the same or slightly less than that. And most importantly the card approval is instant. Read article on how to check CIBIL credit score

    Banks offering secured credit card for individuals with poor credit

    1. Axis Bank – Insta Easy Credit Card: Minimum fixed deposit amount is Rs. 25, 000 and maximum is Rs. 25, 00,000.
    2. SBI Dena Bank Secured Card: Requires an individual to have a FD account at Dena bank with minimum deposit of Rs. 30,000.

    Benefits of having a secured credit card when you have a bad credit

    1. The most important benefit is that it helps in building a credit history of a person which is the most important eligibility criteria when someone applies for the card/loan in the future. Because every bank will first look at the applicant’s credit history, calculate repayment capacity and then decide whether to approve or deny the credit card application. And higher the credit score, higher is the card approval rate and higher would be the credit limit.
    2. Second most important benefit is that for getting a secured credit card income proof is not required. This again is an important factor when applying for any type of a card. However there are many banks offering credit card for low income salary individuals in India.
    3. Many banks offer flexibility to the user for the deposit amount i.e. they do not set any minimum deposit requirement. However you should try to put higher deposit, so that your credit limit is high and the more you spend, better would be your credit history.
    4. An individual can also earn interest on the deposit which again is a good way to generate returns.

    Higher the usage of the card, higher would be the reward point. Although this is applicable for any credit card you possess.

  • Add-on card can also be applied which is a very good way for another person in your family to get a credit card. For e.g. if an husband has a credit card then his wife can get an add-on card which can help her in building a credit history. Check out credit card for housewives in India.
  • There is no need to produce ID and address proof which is a very common problem faced by people especially when they migrate to some other city and do not have a permanent address.
  • Fuel surcharge is waived off when it is used at petrol pumps across country when minimum amount is spent. Although this is offered by most of the credit card issuers.
  • Points to consider when applying for a credit card when you have a bad credit history:


    Top Credit Cards for Bad Credit In Canada – Unsecured & Secured Credit Card Options

    Worst credit cards 2015For people with impaired or no credit history, perhaps there’s no quicker or more effective way of re-establishing their credit than with a credit card. Luckily, even if you’re currently in bankruptcy, consumer proposal or emerging from insolvency, there are a growing number of credit cards for bad credit in Canada.

    Canadians can now choose from a host of different types of credit cards to help them establish, re-establish or repair their credit histories and credit scores. Whether you’re looking for an unsecured, guaranteed approval, or secured credit card, there’s an option that’s best for you.

    With the credit cards below, you can enjoy all the benefits of having a credit card, even if you have no credit history, or have had credit problems in the past. These credit cards for bad credit will help you rebuild or establish a strong credit rating, while giving you the convenience and security of a credit card – make purchases online or over the phone and book travel reservations easily and securely.

    Top No Annual Fee Secured Credit Card For Bad Credit In Canada:

    Click Here To Apply

    A no annual fee secured credit card requires a security deposit but does not charge an annual fee. Your credit limit is then set at the amount of the deposit. You can put down as little as $500, or as much as $25,000, depending on the card. If you decide to cancel your secured card, you can just pay off your outstanding balance, and you’ll get your security deposit back. Because the card is secured, almost everybody is approved. The only downside for some, is that it does require a bank account.

    Why It’s a Winner: The Home Trust Secured Visa, is a great option for those not approved for an unsecured credit card, looking to re-build or establish credit through a secured credit card but don’t want to pay an annual fee.

    While it does require a minimum deposit of $500, you are guaranteed to get approved. Once approved, you can start to use it like any other credit card, and Home Trust will report your payments to both Equifax and TransUnion, helping you re-establish your credit.

    It does come with a 19.99% interest rate, (but you shouldn’t be carrying a balance on a secured credit card anyways). Also, if you have any large purchases you need to make on the card, you can deposit as much as $10,000, which should give you all the flexibility to have a large enough credit line for big ticket purchases.

    Top Low Interest Secured Credit Card For Bad Credit In Canada:

    Click Here To Apply

    Even though this is a secured credit card, some people still may carry a balance from time to time, and if you do, a low interest option is critical to keeping down your borrowing costs.

    Why It’s a Winner: The People’s Trust secured credit card offers a low interest rate of 12.99% on balances, two percentage lower than the next best secured credit card.

    What also makes this card unique among it’s peers, is that you can create a security deposit as low as $500 to as high as $25,000. That’s the highest deposit allowed in Canada, to our knowledge, giving you the baility to create a $25,000 line of credit and all the flexibility to spend on big ticket items to meet your individual needs.

    This card is ideal if you have had credit problems and want to rebuild your credit rating, have no credit history and want to establish a good credit rating or are a discharged bankrupt.

    Just be careful with the low interest rate. If you intend on carrying a balance, you’re probably better off not getting the card and using the money that you would have used for your deposit to pay for your service – interest free.

    You will need a bank account to be able to apply for this secured credit card.

    Top Unsecured Credit Card For Bad Credit In Canada:

    The Affirm MasterCard ® Credit Card

    IMPORTANT NOTICE! Affirm Financial Services has temporarily suspended issuing new credit cards. This is the message showing on their website:

    “As we continue to find progressive ways to support the credit needs of Canadians, Affirm Financial Services has temporarily suspended issuing new credit cards, loans and all credit limit increases.

    We are working hard to ensure that we bring you the credit products you need as soon as we can. We sincerely apologize for any inconvenience this may cause you.

    Existing Affirm Mastercard customers may continue to use the card in accordance with the terms of the cardholder agreement.”

    An unsecured credit card for bad credit is a card designed for those with impaired credit. However, because it is unsecured, you won’t have to put any deposit or security against the card, and you’re not required to have a bank account. It’s a great alternative if you’ve been turned down for a credit card by the banks.

    The advantages of an unsecured credit card are: 1. You get a true line of credit, without having to give a security deposit. 2. Your credit history gets reported to the credit bureaus. 3. It allows you to build or re-build your credit, even if you had difficulties in the past or present – even consumer proposal or bankruptcy.

    Why It’s a Winner: The Affirm MasterCard is our top ranked credit card for bad credit, because it stands alone in Canada as the only unsecured credit card for bad credit with absolutely no security deposit required. It’s a great opportunity for those who have declared bankruptcy or have been or are in consumer proposal, offering unsecured credit lines as high as $3,000.

    It comes with an interest rate of 29.99% for homeowners and 34.99% for non-homeowners, comparable to a store credit card, and much lower than a pay day loan. But remember, you shouldn’t be carrying a balance anyways. The idea here is for you to use good credit habits and pay down your credit card bill every month, not just the minimum payment, on time – use automatic payments if you can’t trust yourself. Pay down your balance every month and the interest rate is irrelevant.

    It does come with an annual fee of $84 per year, charged at $7 per month. Reasonable for the risk the bank is taking, and when you consider many secured credit cards also come with an annual fee. Once you’ve re-established your credit, you can apply for a no fee credit card, and avoid the annual fee altogether.

    Affirm reports to both credit bureaus, Equifax and TransUnion, with every payment. Not all lenders do this. As a result, the Affirm MasterCard will help you build a positive track record of payment performance, and improve your credit history and score as quickly as possible.

    READ THIS TO GET APPROVED: To help you get approved for this card, if you’ve declared bankruptcy or been in consumer proposal you should have a FICO greater than 500. If not, your FICO should be greater than 600. Your annual income should be at least $10,000. You should not have a payday loan inquiry. Nor should you have a major derogatory like a delinquency, or judgement in the last 6 months.


    6 Best Secured Credit Cards to Rebuild Credit – Reviews & Comparison

    Worst credit cards 2015

    How’s your credit these days?

    If you’d prefer not to answer that question, you’re not alone. Millions of Americans have imperfect credit due to bankruptcy, foreclosure, crushing medical or student loan debts, and other financial black marks. A bad credit score can affect your ability to secure an affordable home loan, rent an apartment, get a cell phone, and even find a job. While credit counseling and debt management plans can help you repair your credit over time, there’s no magic cure.

    For other folks, the problem isn’t bad credit so much as no credit. Consumers who haven’t previously used credit are ciphers to lenders and credit card companies, which are understandably wary about lending to people without a track record of timely repayments.

    Whether you’re dealing with the negative effects of bad credit, or simply don’t have much of a credit history to speak of, applying for a secured credit card could end up being a critical first step on your path out of the credit wilderness.

    Most credit cards are unsecured. Unsecured cardholders aren’t required to put up any collateral before using their cards.

    Secured credit cards are different. They require cardholders to make cash deposits, usually equal to (and sometimes greater than) their initial credit limits, before making charges. These deposits, and the corresponding credit limits, are often low compared to unsecured credit cards’ spending limits – rarely more than $500 at the outset. Over time, issuers reward cardholders for timely payments by increasing their spending limits, in many cases without asking for an additional deposit.

    Secured card issuers scrupulously report cardholders’ spending and payment patterns to consumer credit bureaus. For cardholders who use their cards judiciously and make timely payments, this builds and improves credit over time. For cardholders who pay their balances late or not at all, or max out their cards’ spending limits, this ongoing reporting can have negative consequences.

    Many cardholders use secured cards temporarily, for credit-building or -improvement purposes. Once their credit is on better footing, they close their accounts and receive their deposits back. Many secured credit card issuers allow cardholders in good standing to graduate to unsecured credit cards after a year or two, eliminating the hassle of closing accounts and applying for new cards.

    With these basics in mind, here is a look at the best available secured credit cards.

    Minimal Fees; Possibility of Credit Limit Greater Than Initial Deposit; Credit Limit Increases Without Additional Deposits

    The Capital One Secured MasterCard is one of the few secured credit cards that entitles some cardholders to a credit limit greater than their initial deposit. It’s also noteworthy for comparatively low fees and a smooth process for qualifying for credit limit increases. Said increases don’t necessarily require additional cash deposits, further reducing the card’s cost. This card reports payments and credit utilization to all three major consumer credit bureaus: Experian, Equifax, and TransUnion.

    Deposit Requirements, Benefits, and Restrictions

    The Capital One Secured MasterCard requires a minimum refundable security deposit of $49, $99, or $200, depending on your credit profile. You need to make the deposit within 80 days of applying for the card. Regardless of your deposit size, your initial credit limit is at least $200. It can range up to $3,000, depending on your creditworthiness.

    To raise your credit limit, you can make additional deposits in $20 increments, up to the $3,000 maximum. If you demonstrate a pattern of reliable payments over several consecutive billing cycles, you may qualify for a credit limit increase without an additional deposit. Capital One has sole discretion over amount and frequency of these “free9rdquo; credit limit increases.

    • Fees: There’s no annual fee or foreign transaction fee. Cash advances cost the greater of $10 or 3% of the advanced amount, plus a 24.99% APR. Late payments cost $35 each. You can’t use this card for balance transfers.
    • APR: The purchase APR is 24.99%. It varies depending on prevailing interest rates. Notably, there’s no penalty APR.
    • Other Perks: You get free, unlimited access to your credit score through the Capital One Credit Tracker, which also includes a “what-if simulator” that lets you run different scenarios to predict changes in your credit score and debt load.

    See our Capital One Secured Card Review for more information. Find out how you can apply for this card here.

    Reasonable APR; Relatively High Credit Limit

    The Citi Secured MasterCard has roughly average fees and APRs. Its credit limit is above average, making it ideal for cardholders with high spending needs. However, the credit limit is always identical to the deposited amount – there’s no way to increase your credit limit without making an additional deposit. Also, Citi automatically denies card applicants who’ve recorded a bankruptcy within the past two years – a harsher position than some other secured card issuers.

    Deposit Requirements and Benefits

    Once you’re approved for the Citi Secured MasterCard, you have 30 days to deposit as little as $200 or as much as $5,000. You can make additional deposits to raise your credit limits, but your funds are tied up for at least 18 months and don’t earn interest during that time.

    f you make timely payments for the duration, Citi may elect to return your deposit and allow you to continue using your card. Your payment and credit utilization patterns are automatically reported to all three consumer credit bureaus.

    • Fees. There’s a $25 annual fee. Foreign transactions cost 3%. Cash advances cost the greater of $10 or 5%, and balance transfers cost the greater of $10 or 3%. Late and returned payments cost $35 each.
    • APR. The regular purchase and balance transfer APR is 21.99% and varies depending on prevailing interest rates. The cash advance APR is 25.24%, and the penalty APR ranges up to 29.99%.
    • Other Perks. Citi’s perks include complementary auto insurance on car rentals charged to your card, as well as zero-liability fraud protection.

    Low APR and Reasonable Fees; No Credit Check Necessary With Application

    Although it comes with a moderate annual fee, the OpenSky Secured Visa credit card boasts one of the lower secured credit card APRs around. It also doesn’t require a credit check with your application, meaning it’s a great choice for folks with poor or spotty credit. Negatives include a maximum credit limit lower than some competing cards and no balance transfers.

    Deposit Requirements and Benefits

    To get started with the OpenSky Secured Visa, you need to make an upfront refundable deposit of at least $200. Your deposit can be as high as $3,000, depending on your creditworthiness. Your credit limit is always equal to your deposited amount.

    OpenSky reports to all three credit reporting bureaus. One significant drawback is that unlike some other issuers, the OpenSky Secured Visa doesn’t allow for a transition from secured to unsecured. You can keep your account open as long as you like, but you don’t receive your security deposit back until you request to cancel the card and pay your balance in full.

    • Fees. There’s a $35 annual fee. Cash advances cost the greater of $6 or 5% of the advanced amount. Late payments cost $27, and returned payments cost $25. Foreign transactions run 3% of total transaction amount.
    • APR. The regular purchase and cash advance APR is 17.64%, depending on prevailing interest rates. The penalty APR ranges up to 21.99%. Notably, OpenSky doesn’t charge interest during the first billing cycle. In other words, there’s effectively a one-month 0% introductory APR.
    • Other Perks. OpenSky has lots of credit education material for inexperienced credit users. It also has other financial products, including home loans and consumer bank accounts, through Capital Bank, its parent company.

    Find out how you can apply for this card here.

    Reasonable APR; Laid-Back Credit History Requirements; Earn Interest on Your Deposit

    The U.S. Bank Secured Visa Card’s biggest advantages include easy approval for applicants with poor credit and a reasonable APR (relative to other secured credit cards). The unusually long grace period of up to 30 days, compared with the more typical 20- to 25-day grace period for this card class, is a useful backstop against late payments. Drawbacks include somewhat high fees.

    Deposit Requirements and Benefits

    To get started with the U.S. Bank Secured Visa Card, you need to make a deposit of at least $300 and as much as $5,000, depending on your creditworthiness. Your credit limit is always equal to your deposit amount. Said deposit is held in an FDIC-insured, interest-bearing (0.05% to 0.10% APY) U.S. Bank savings account, rather than a no-interest escrow account, as is the case with the Citi Secured MasterCard.

    If you make timely payments for at least 12 months, you’ll likely qualify for an unsecured credit card and receive your security deposit back in full, with interest.

    • Fees. There’s a $29 annual fee. Late payments cost $35, and returned payments run $38. Balance transfers cost the greater of $5 or 3% of the transferred amount, while cash advances cost the greater of $10 or 4%. Foreign transactions cost 2% when denominated in U.S. dollars, and 3% when denominated in foreign currency.
    • APR. The regular purchase and balance transfer APR is 19.24%, variable with prevailing interest rates. The cash advance APR is 24.24%.
    • Other Perks. The U.S. Bank Secured Visa Card comes with nice fringe benefits, including complementary insurance when you charge a car rental purchase to your card.

    Find out how you can apply for this card here.

    High Credit Limit; Reasonable APR

    The Wells Fargo Secured Visa Credit Card comes with a very high credit limit ($10,000) and boasts a reasonable APR (19.24%). Fees are a bit on the high side, but not overwhelming. Wells Fargo shares your payment and credit utilization information with all three credit reporting bureaus.

    Deposit Requirements and Benefits

    To get started with the Wells Fargo Secured Visa Credit Card, you need to make a deposit of at least $300 and no more than $10,000. Your deposit is your credit limit, and you can add more funds at any time. After 12 months of timely payments, Wells Fargo reviews your account and may upgrade you to an unsecured arrangement, refunding your security deposit in exchange.

    • Fees. There’s a $25 annual fee. Balance transfers cost the greater of $5 or 5% of the transferred amount. Cash advances cost $10 or 5%. Late and returned payment fees run $37. Foreign transactions cost 3% of the total transaction amount.
    • APR. The regular purchase and balance transfer APR is 19.24%, variable based on prevailing interest rates. The cash advance APR is 24.24%.
    • Other Perks. Wells Fargo offers numerous fringe benefits, including a cell phone insurance policy (up to $600 to cover loss or damage) for devices purchased with the card.

    Find out how you can apply for this card here.

    Relatively Low APR; Relaxed Credit Standards

    Merrick Bank’s Secured Visa credit card makes no bones about being for consumers with poor credit. Its approval standards are very laid back, so it’s definitely worthwhile to apply even if you’ve been denied by other secured credit card issuers. A relatively low APR helps with the ongoing cost of the card, though higher than average annual fees cut into those savings.

    Annoyingly, you’re not allowed to make balance transfers with this card. Merrick Bank does report your payment and credit utilization information to all three credit bureaus though.

    Deposit Requirements and Benefits

    Merrick Bank lets you deposit as little as $200 or as much as $3,000. You’re encouraged to deposit as much as you feel comfortable depositing – your deposit isn’t limited by your credit profile, only by Merrick’s $3,000 limit. Your credit limit is always equal to your deposit amount. Your deposit is FDIC-insured, but doesn’t earn interest.

    Merrick Bank doesn’t automatically convert its Secured Visa into an unsecured card. If you want to graduate to an unsecured card, you need to apply for a Merrick Bank (or other issuer’s) unsecured card. To get your deposit back, you need to close your Secured Visa Card account.

    • Fees. There’s a $36 annual fee for the first year and a $3 monthly fee thereafter. The cash advance fee is the greater of $10 or 4% of the advanced amount. Foreign transactions cost 2% of the total transaction amount. Late and returned payments both cost $38.
    • APR. The regular purchase APR is 17.70%, and the cash advance APR is 22.70%.
    • Other Perks. You’re entitled to a free FICO score every month your account is active. Merrick Bank also offers RV loans, which come in handy for folks who want to take road trips or cross-country driving vacations in comfort.

    Find out how you can apply for this card here.

    Each secured credit card on this list is designed to boost folks with poor credit or spotty credit histories. However, they can’t single-handedly dig their users out of financial holes or accelerate them painlessly down the road to the promised land of easy, low-cost credit.

    Building and improving credit takes time and discipline. In addition to applying for a secured credit card and making timely, in-full payments, follow these straightforward tips:

    • Pay all bills, including utility bills and rent payments, on time
    • Keep your debt utilization ratio – the sum of your credit balances divided by the sum of your credit limits – below 30%, if possible
    • Don’t open multiple accounts at once
    • Avoid closing too many accounts at once
    • Check your credit score regularly and remember to order your free annual credit report from AnnualCreditReport.com

    If you play your cards right, you could find your credit situation significantly improved in less time than you ever thought possible.

    Do you use secured credit cards? Which is your favorite?

    Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airline, or hotel chain, and has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the author's alone, not those of the bank, credit card issuer, airline, or hotel chain, and have not been reviewed, approved, or otherwise endorsed by any of these entities.

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    Worst credit card interest rates

    10 Worst Store Credit Cards You Should Avoid at All Costs

    Worst credit card interest rates

    Pile of credit cards | iStock.com

    Interest rates on store credit cards have hit records highs, according to a new report from CreditCards.com. The average store credit card has an APR of 23.84%, more than 8% higher than the 15.22% average interest rate for all credit cards.

    Consumers might think the sign-up bonuses stores offer to get them to sign on the bottom line balance out the steep interest rates, but usually, those benefits aren’t that impressive. Only half of credit cards offered by the 100 largest retailers in the United States come with sign-up bonuses. When bonuses are offered, they’re usually stingy. Only 13 cards have a bonus worth more than $25 for a $200 purchase, the report found.

    Shoppers who are tempted to bite when a clerk asks them whether they’d like to apply to open a new card would probably be better off using a regular credit card with rewards, according to CreditCards.com

    “With their outrageously high APRs, most consumers would be wise to steer clear of these cards unless they’re 100% certain they can pay their balance off every single month,” Matt Schulz, CreditCards.com’s senior industry analyst, said in a statement. “And even then, there are plenty of general-purpose credit cards with better sign-up bonuses.”

    The sign-up bonuses and perks on airline-branded credit cards are especially attractive right now, a separate CreditCards.com report found. Cards like the CitiAAdvantage Platinum Select and the British Airways Visa Signature card have bonuses of 30,000 to 50,000 miles if you meet spending targets in the first months after you open a card. That’s enough to get you a free, round-trip ticket, which could be worth several hundred dollars, depending on where you fly.

    Worst credit card interest rates

    Credit card bill | iStock.com

    Still, store credit cards can be a good deal in certain situations. The Target REDcard Credit Card offers 5% cash back on Target purchases, more than you’ll usually get from a general cash-back credit card, making it a good choice if you spend a lot of money at the big-box store. Costco’s Anywhere Visa Card by Citi has a relatively low APR for a store card (15.49%) and you’ll also earn 1% to 4% cash back on your purchases. The 10% rewards you’ll earn on the first purchase you make on your Best Buy credit card could save you several hundred dollars on an expensive item like a refrigerator or washer and dryer.

    But you shouldn’t sign up for store credit cards just because the clerk is giving you the hard sell. Even if the sign-up bonus is generous, its value will quickly evaporate if you can’t promptly pay the bill. And if you have trouble managing credit, a new card could be a fast path to debt.

    “You need to understand all the terms, and the potential collateral damage that you might cause yourself,” John Ulzheimer, credit expert at Credit Sesame, told the Today show. “If you’re going to carry a balance on that new card for even a couple of months, you’ll give back any sort of discount you received at the register — and then some — in the form of interest.”

    Which cards will cause you the most pain? While virtually all store credit cards come with high APRs, these 10 had the highest interest rates, according to CreditCards.com.

    Worst credit card interest rates

    Toys “R” Us | Hiroko Masuike/Getty Images

    Toys can be expensive, and Toys “R” Us likely hopes to reel parents in with their credit cards, which offer rewards for money spent at the store and 10% off in-store on Thursdays when you use your card. But both the Toys “R” Us credit card (which can only be used in Toys “R” Us stores) and the Toys “R” Us MasterCard have a steep 26.99% APR.

    To earn a significant amount of rewards, you have to spend a lot. You get 2 points for every $1 spent in store (and 1 point for every $4 spent anywhere else on the MasterCard). Once you have 125 points, you’ll get $5 in Toys “R” Us Reward Dollars.

    Worst credit card interest rates

    Apple store | KENA BETANCUR/Getty Images

    APR: 14.24% to 27.24%

    The Apple Rewards Card from BarclayCard US actually has one of the lower APRs of cards studied, but only if you have good credit. Those with less stellar credit histories may be stuck with an APR as high as 27.24%. You will earn points for spending (3 points for every $1 spent at Apple retail stores, 1 point for every $1 spent elsewhere). Once you have 2,500 points, you can cash them in for a $25 iTunes or Apple gift card.

    Worst credit card interest rates

    Lane Bryant | Gerardo Mora/Getty Images for Lane Bryant

    Lane Bryant and other Ascena Retail Group stores (which include Catherines, Justice, and Maurices) all offer credit cards with 27.24% APRs. The rewards offered vary depending on the store. At Lane Bryant, you’ll earn points that can be redeemed for reward certificates, while at Justice, the card gives you 5% off all your purchases.

    Worst credit card interest rates

    Dick’s Sporting Goods | Scott Olson/Getty Images

    Dick’s Sporting Goods offers two credit cards: one that can be used in-store only and a co-branded MasterCard. Both have an APR of 27.24%. The store doesn’t have sign-up bonuses but you can earn rewards, including points for purchases and up to 6% back. But make sure you read the fine print before you sign up; points expire annually on January 31, and you can’t use the “Rewards of Sport” store card for online purchases.

    Worst credit card interest rates

    Workers at a GameStop | Ethan Miller/Getty Images

    The GameStop PowerUP Rewards Credit Card has a 27.24% APR. With your first purchase, you’ll earn a bonus of 15,000 points if you’re a PowerUP Rewards Pro member and 5,000 if you’re a Basic cardholder. Five thousand points can be exchanged for a $5 merchandise credit.

    Worst credit card interest rates

    TJ Maxx | BRENDAN SMIALOWSKI/AFP/Getty Images

    The TJ Maxx credit card has a 27.24% APR. You’ll earn 10% off your first online purchase after you sign up, as well as points for purchases at T.J. Maxx, Marshalls, HomeGoods, and Sierra Trading Post. The TJ Maxx Platinum MasterCard has the same interest rate and perks.

    Worst credit card interest rates

    A Williams-Sonoma store | Vivien Killilea/Getty Images for Caruso Affiliated

    The Williams-Sonoma store credit card has an APR of 27.24%. The sign-up bonuses are relatively generous – a $20 rewards certificate when you receive your new card and 20% off your first purchase. You’ll also get a $25 reward certificate during your birthday month and will earn points for purchases and get free shipping. But you’re better off if you can qualify for the Williams-Sonoma Visa Signature Card, which has an APR between 16.99% and 23.99%.

    Worst credit card interest rates

    A Staples store | Joe Raedle/Getty Images

    Office supply giant Staples charges a hefty 28.24% APR on its in-house credit card. The store doesn’t offer any sign-up bonuses but you can earn up to 5% back in rewards on your purchases. You also get free shipping on orders over $14.99 and $2 back in rewards when you return ink cartridges for recycling.

    Worst credit card interest rates

    Zales Jewelers | Justin Sullivan/Getty Images

    Using a store credit card to buy an engagement ring or other piece of expensive jewelry at Zales could cost you big if you’re not careful. The Zales credit card has a 29.24% APR. Late payments will cost you $37. However, you may be able to qualify for special financing for bigger-ticket purchases.

    Zales is part of Signet Jewelers, which also owns Kay Jewelers and Jared. The interest rates on those stores’ credit cards are slightly lower – 17% to 26.99% — so if you must open a credit card to buy your sweetie a diamond, those may be a better bet.

    Worst credit card interest rates

    The Big Lots’ logo on one of the store’s shopping carts | Tim Boyle/Getty Images

    Not only does Big Lots have the highest APR of any card in the Bankrate survey, but the store doesn’t offer any sign-up bonuses to shoppers. You can avoid sky-high interest charges on purchases over $250 if you pay off the bill within six months. (Purchases over $750 are interest-free for one year.)


    How Credit Card Interest Is Calculated, and How to Pay Less

    Credit card interest rates are painful. As unsecured debt, cardholders are charged higher interest rates than they pay for home or car loans. And since many tend to use their credit card for everyday purchases, they can wind up paying interest on all of their purchases, which starts accruing on the day of the purchase. At the same time, other cardholders continue to use their cards frequently while avoiding interest charges altogether.

    Credit Card Interest Made Simple

    The key to reducing, or eliminating, your credit card interest charges is to understand how it is calculated. Credit cards calculate interest charges based on your average daily balance. At the end of every billing period, the cardholder's total unpaid balances at the end of each day are added up and then divided by the number of days in the statement cycle. So if you charge $1,000 on the first day of a 30-day billing period, then your average daily balance is $1,000, but if the charge is made on the last day of your billing cycle, your average daily balance is only one thirtieth of that, or $33.33.

    Next, look at the interest rate, which is normally reported as an Annual Percentage Rate, or APR. To convert the annual rate to a daily, or periodic rate, divide it by the number of days in the year, 365. This will result in a very small number. For example, if your credit card as an APR of 15%, the periodic interest rate will be 0.000411%. Finally, you multiply the periodic interest rate by both the average daily balance and the number of days in the statement cycle, and that is the interest owed. So in the example of a $1,000 average daily balance at 15% interest during a 30-day statement, the total interest charge for the month would be $12.30.

    That doesn't sound so bad, but don't forget how interest compounds. Some cards add interest charges to your daily balance once a month, while others add the interest every day that was accrued from the day before. When compounding daily, the effective interest rate of 15% APR is about 16.15%. This will raise the interest charges in our example to $13.27

    Even though credit cards calculate interest on every charge, every day, nearly all will waive the charges when cardholders pay their entire statement balance in full and on time, before the statement due date. This period between the end of the statement cycle and the due date is known as the grace period, and it is your golden opportunity to avoid interest charges. In effect, the bank ends up loaning you money for free!

    Nevertheless, when cardholders fail to pay off their entire balance, even by $1, or, worse, fail to make their payment on time, even by a single day, then they lose their grace period. Not only will cardholders owe interest on all their charges in their last statement cycle, but they will also begin paying interest on all the charges on the next statement cycle as well.

    The grace period is lost until cardholders pay off their entire statement balance once again. Until that happens, every gallon of gas or loaf of bread purchased is accruing interest charges each day. Simply put, the way to always avoid credit card interest is to pay each month's statement balance in full and on time.

    How to Minimize Interest Charges

    Unfortunately, most American credit card users do not pay off their entire balance in full each month, a process known as carrying a balance. While some may not have enough money available to pay the entire balance, others may hold the shortsighted belief that it is easier to pay a smaller amount each month and incur interest charges than to pay off the entire amount.

    Thankfully, once you understand how credit card interest is calculated, there are some strategies to minimize your interest charges when you have to carry a balance. The key is to reduce your average daily balance as much as possible. For example, cardholders need not wait until their statement's due date to make a payment. That date is merely the last date customers can make a payment to avoid late fees.

    Instead, cardholders should make a payment as soon as they have the money available. Furthermore, there is no reason that cardholders can't make multiple payments throughout the month. For example, a cardholder who is carrying a balance can reduce his or her interest charges substantially by making payments each week, perhaps on receipt of a paycheck.

    Finally, those who pay their credit card issuer electronically will have their payment credited several days earlier than they would if they mailed it. This will further reduce the cardholder's average daily balance while being less expensive and more reliable than sending a check through the mail.

    Credit card interest is a real problem for many cardholders. It is so expensive that credit card users need to take a few minutes to understand how it works. And once they do, they can take steps to pay as little as possible.


    Is it difficult to obtain a low interest rate credit card with bad credit?

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    How do you get a credit card if your credit rating is low?

    Worst credit card interest rates

    Worst credit card interest rates

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    Does the Chase credit card have a low interest rate?

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    What are the benefits of low interest rate credit cards?

    Worst credit card interest rates

    Worst credit card interest rates

    Worst credit card interest rates

    Is it better to have a credit card with a high interest rate or low interest rate?

    Worst credit card interest rates

    Worst credit card interest rates

    Which companies offer low interest rate credit cards?

    Worst credit card interest rates

    Where can people with bad or no credit obtain credit cards?

    Worst credit card interest rates

    What are the hidden catches with credit cards with low interests rate?

    Worst credit card interest rates

    Worst credit card interest rates

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    Worst credit card interest rates

    Worst credit card interest rates

    What are some bank credit cards with a low interest rate?

    Worst credit card interest rates

    Which company provides low interest rate credit cards?

    Worst credit card interest rates

    Worst credit card interest rates

    Worst credit card interest rates

    Worst credit card interest rates

    Where can a person with bad credit obtain credit cards?

    Worst credit card interest rates

    Where can you get credit cards with low interest rates?


    Average credit card interest rates hit all-time high of 21.6% APR - but the worst offender charges almost three times more

    Published: 17:44 BST, 14 March 2016 | Updated: 18:26 BST, 14 March 2016

    While interest-free credit card deals are commonplace, average credit card interest rates have hit an all-time high, new research suggests.

    The average purchase rate is now 21.6 per cent APR - which is how much borrowing costs over a year including the headline interest rate and any fees - according to analysis by Moneyfacts.

    However, the most expensive card charges 59.9 APR. This is the annual rate customers can expect to pay for borrowing money through Vanquis Bank's Black Diamond Credit Card Visa card.

    How much interest are you paying? Credit card costs are creeping up so find out if you could switch and save

    The current 21.6 per cent average purchase rate has climbed from its previous record highs of 21 per cent APR in 2015, 20 per cent in 2014 and 18.9 per cent in 2011.

    The Black Diamond APR which is aimed at borrowers with impaired credit histories is almost three times as expensive as the average charged in 2016.

    New Day's aqua Start MasterCard has the next most expensive purchase rate at 49.9 per cent, followed by four more Vanquis cards that all have an annual rate of 39.9 per cent - the NEO Credit Card Visa, Original Credit Card Visa, Vanquis Bank Argos Credit Card Visa and Vanquis Bank Visa.

    Popular storecards have also been named as some of the most expensive credit cards on the market.

    The Burton, Dorothy Perkins, evans, Outfit, Wallis and Argos cards - all provided by New Day - have an APR of 29.9 per cent.

    Moneyfacts warns that cardholders with a high interest credit card may not be fully aware of how much they pay over the long term or how much they could save by switching to a better deal.

    For instance, it would take three years and ten months to clear a £1,000 balance racked up on a card charging 29.9 per cent APR and the cost of borrowing would amount to £596.

    On the current average purchase rate of 21.6 per cent APR, it would take three years and three months to clear a £1,000 balance and the cost of borrowing would amount to £362.

    However, there are significant savings to be made.

    Moneyfacts said: 'Our calculations show that borrowers who are being charged 21.6 per cent APR on a £1,000 debt, but who then switch to a low rate credit card at 6.4 per cent APR, could save a massive £276 in interest charges.

    Feeling the squeeze: credit card rates are rising

    'And if customers have a store card charging 29.9 per cent APR but then switch to a cheaper alternative, they could save a grand total of £510. Better still, if they applied for Halifax’s 40-month 0 per cent interest balance transfer card, which is a best buy, they would only have to pay a £28.50 fee, provided they clear the debt before the interest-free offer ends.'

    As well as the Halifax deal, which comes with a one-off 2.85 per cent transfer fee, other best buy balance transfer deals include Bank of Scotland's 38-month Platinum Balance Transfer Card. Like the Halifax deal it offers 0 per cent on purchases for six months but the transfer fee is 2.65 per cent.

    Rachel Springall, finance expert at Moneyfacts, said: 'Consumers who struggle with household debts are unlikely to be able to afford the luxury of paying more than the minimum repayment on their credit card. However, those who cannot afford to pay back more each month are likely to end up with the debt hanging over their heads for a significant period of time.

    'Not all customers will pre-plan their spending and they may not have an interest-free deal ready to use. In addition, not all borrowers will be offered the best rates, and some may not have the shiniest credit rating, which all leads to more expensive deals being turned to.

    'For this reason, borrowers would be wise to get a credit check before applying for credit so that they can get an idea of what their borrowing footprint looks like, and therefore, what kind of deal they are likely to secure. Borrowers should also be prepared to do the maths to work out what the true cost of their borrowing will be.'

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    Worst credit card ever

    Bad Credit Credit Cards, I Tell How I got Several Credit Cards for Bad Credit After Bankruptcy

    http://www.creditcardsforbadcreditnot. In this video I tell how I found several Credit Cards for bad credit individuals like myself. Actually my credit was horrible not just bad. I had filed chapter 7 bankruptcy my real estate business was bankrupt I have over 10 homes foreclosed on! The idea that I was ever going to be getting a credit card with bad credit, such poor credit was disheartening. I also had 2 cars repossessed, I felt like I had the worst credit on earth. When things were going good in my life and my credit was great I could get a signature loan in a heartbeat, I had an American express card that had no limit as long as you paid it off the next month. After the Bankruptcy the only way I knew how to get credit cards with bad credit was to apply for secured credit cards for people with bad credit. After my bankruptcy, I didn't know how I was ever going to be approved for any bad credit credit cards ever again. I thought that maybe with my credit repair back ground that I could figure out how to get a credit card with bad credit. I looked into the market of secured credit cards, to see how to get credit card with bad credit. this is where you make a deposit to the credit card company for the amount of your limit. For example if you need credit cards bad credit and the secured credit card had a limit of $500 then you would pay $500 to them and you would get a credit card for bad credit. You may be asking yourself what is the point of low credit credit cards if you have to pay the amount of your limit upfront. The reason is, that it is the easiest credit card to get with bad credit so after you use that card for 6 months keeping the payment current and not going over the limit then it is building your credit and repairing some of the damage. After 6 months you may qualify for a bad credit credit card that does not need a deposit an unsecured credit card. The process is really not that complicated as long as you have someone to show you were to apply first to see if you can get an unsecured credit card, if your credit is too bad and you are denied for the unsecured credit card then apply for the secured credit card. Even if you can only pull together $250 to $300 dollars then you can get a secured credit card for that amount to start building your credit to the place where you can qualify for an unsecured credit card. Once you get to the place where you have three to five credit cards in use for 6 months and you keep the balance below thirty percent of the total credit limit and you pay on time each month it will build your score significantly. Keep in mind this is exactly how my wife and I repaired our credit after the bankruptcy. A bankruptcy that discharged over a million dollars in debt was not small BK and it ruined our credit but with the help of some smart decisions we were able to find credit cards for bad credit and use them to repair our credit score. View the video now to see how you can get the same credit cards that approved me http://youtu.be/OY2j8CR5Kvo watch now and let me show you where to get the best bad credit credit cards!

    Worst credit card ever

  • Bad Credit Credit Cards, I Tell How I got Several Credit Cards for Bad Credit After Bankruptcy


    Best and worst credit cards for travel insurance: what's covered?

    Worst credit card ever

    100,000 Bonus Qantas Points + Lounge Passes - AMEX Qantas Ultimate Ad

    by danwarne | October 30, 2011

    Credit card travel insurance: the devil's in the detail

    Is free travel insurance with credit cards as good as independent policies -- and how do different cards' coverage stack up against each other's?

    We've spent a solid week reading the travel insurance policies provided by banks and credit card companies like American Express to find the best and worst policies available, as well as identifying "gotchas" in the policies with each card issuer.

    We were surprised at how good the travel insurance coverage on some credit cards was compared to stand-alone policies.

    For example, most travel insurance policies you can buy from a travel agent or online do not cover cash -- or only a very small amount like $100 - $200. Credit card travel insurance, in general, covers up to $500 of cash per person, with a maximum of $1000 for a family.

    Luggage and personal items can be well covered on credit cards too. We discovered that Commonwealth Bank's Platinum card travel insurance covers up to $15,000 per person, with a total of $30,000 for all family members. The per-item claim limits on this card are also terrific -- $5,000. Standalone travel insurance policies quite often have limits as low as $2,000 for your baggage, which goes to show that it's certainly not a cut-and-dried fact that standalone travel insurance is superior to the freebie included with your credit card.

    Credit cards also often include additional insurance policies that are considered separate types of cover to international travel insurance, so you wouldn't get them with a regular travel insurance policy.

    One of these is transport/transit accident cover. If you purchase the ticket for plane, train, bus or ferry on your credit card you will generally be insured against death or debilitating injury for a very high amount, such as $1,000,000 for the death of a cardholder (in the case of Commonwealth Bank Platinum and Gold cards) or $750,000 for both cardholder and spouse (ANZ Platinum). Regular travel insurance generally only pays out normal accidental death benefits of around $25,000 - $50,000.

    Some credit cards, particularly platinum ones, also offer a limited amount of domestic travel "inconvenience" insurance. This is like a mini travel insurance policy but with lower claim limits than if you were to buy a dedicated policy. However, it's well worth considering a platinum card just to get this because it usually includes rental car excess reimbursement within Australia, as long as you pay for your domestic travel ticket costs including the car hire on your credit card.

    Like all insurance, there are plenty of loopholes and get-outs for the insurers. A favourite trick we noticed when reading the policy was stating a generous claim limit in one part of the policy and then listing a series exclusions many pages back.

    It's therefore incredibly important to read your travel insurance policy in detail, from cover to cover before going on a trip. Yes, it's also incredibly boring -- and after a week of poring over these policies we have complete empathy for people who find this a difficult thing to do!

    The biggest catch with credit card travel insurance is that you'll only be covered if you paid for some -- or all -- of the international air tickets on the credit card, which is considered a trigger for the "activation" of the travel insurance. You have to make sure you activate the insurance.

    It's very easy to forget this if you leave a cash deposit with a travel agent, decide to pay via BPAY to avoid outrageous credit card surcharges from the airline, or are travelling on frequent flyer points (though some credit cards do cover these, but generally only if booked through the bank's own internal reward program).

    This limitation means credit card travel insurance policies are pretty useless for corporate work-related trips which are usually arranged through an outside travel management organisation and invoiced back to your company, not paid on your personal credit card.

    Some banks are a bit tricky with their qualification rules. Commonwealth Bank will cover trips that you've paid 90% of the trip cost on their card (including flights/accommodation/other prepaid itinerary items) or $950, whichever is higher. As a result, you might not be covered for cheap holidays to popular spots in the Asia Pacific region where your pre-booked flights/accommodation/tours add up to less than $950.

    The best card for the most affordable travel insurance is ANZ Platinum (ANZ does not market gold cards any more). This provides the lowest bar to qualifying for travel insurance: you only have to put $250 worth of trip related expenses on their Platinum credit card to qualify for coverage, which means you could easily be covered for a work trip or a trip you've paid for airline tickets via BPAY or reward points.

    If you're going on a long trip, choose your card carefully. Credit card insurance is often only valid for three months, and unlike stand-alone travel insurance policies, can't be extended.

    Some policies are particularly tough on this. For example, ANZ Platinum travel insurance provides coverage for a trip of up to six consecutive months, but if at any point you change your itinerary to extend it beyond six months, insurance coverage immediately ceases -- not just for the part after six months.

    However, the trip length limits on credit card travel insurance is still pretty generous in general -- gold cards usually offer three months and platinum cards usually six months. For most business and personal trips that's more than enough.

    The best card for long trips is Commonwealth Bank Platinum which offers coverage for trips of up to 12 months. All the other cards we reviewed drew the line at six monhts.

    A reasonably high dollar value for personal property in a travel insurance policy may not be what they seem.

    Most credit card travel insurance policies we looked at specifically exclude lost items -- meaning that they only cover theft or damage. Look out for wording like: "we will not pay for items left behind, forgotten, or misplaced".

    Credit card travel insurance also won't pay for valuables put into checked luggage, or 'brittle/fragile' items except cameras and laptops. And almost no credit card travel insurance policies include items owned by a business, or stuff that you have borrowed from someone else.

    The best card for baggage and property cover is Commonwealth Bank Platinum, which permits $15,000 per person and $30,000 for a family. See our review of this card for the exclusions –- they're considerable, but no worse than any of the other cards and the Commonwealth Bank didn't have any particularly unfair exclusions.

    One of the gotchas with transport accident death payouts is that while insurers may state a high limit per person (such as $1,000,000), they also say that if numerous (unrelated) cardholders and their family members are killed in the same accident, the insurer will not pay out more than a certain combined total. For example, if 10 Commonwealth Bank Gold cardholders were killed in a plane crash, their estates would only get $130,000 each, because CBA's insurer has a limit of $1.3million for all claims of this type in total.

    The main benefits sometimes only apply to the cardholder, with reduced amounts payable to family travelling with them. There are also limitations on what constitutes a "dependent child" travelling with you -- generally the maximum age is 19 years, though some insurers increase this to 25 years if they are uni students. The basic upshot here is that while you and your spouse are almost certainly covered by credit card travel insurance, other adult family members travelling with you will have to get their own travel insurance.

    Rental car excess reimbursement is a popular aspect of credit card insurance policies, as it allows cardholders to avoid paying the per-day excess removal or reduction option charged by credit card companies.

    However, relying on the summary list of benefits by a credit card company could leave you high and dry. NAB, Commonwealth Bank and St George have the following nasties in their credit card travel insurance: it will only pay the car rental excess reimbursement if you were driving a sedan or stationwagon (not hatchbacks, 4WDs, campervans or other common rental car types). NAB further adds: only if you have accepted all insurance options from the car rental company -- including, presumably, the excess reduction option.

    Westpac had the best coverage with rental car excesses -- gold cards provided $5000 without restriction while overseas, and Westpac Platinum cards provided $5500 rental car excess coverage both while overseas, or in Australia.

    Although the travel insurance policy may be "free" with your credit card, if you need to claim on it you might find it's very expensive indeed. The worst excess we saw in our investigation was $500 for some types of claim on an American Express Platinum Edge credit card travel insurance policy.

    The best card for a low excess is ANZ's Platinum credit card insurance, which charges no excess apart from $200 for medical or luggage claims.

    One area that is quite good in credit card travel insurance is medical insurance. All the cards we looked at covered worldwide medical costs, and most offered at least $1,000 worth of emergency dental work to relieve pain if you need it.

    However, American Express Platinum Edge travel insurance only provided coverage for medical costs up to $2.5million, with a particularly horrible catch -- they will only pay medical costs of more than $1,500 if first approved by them.

    Given the 24 hour advice lines provided by travel insurers are outsourced and they in turn need to contact the actual insurer before they can approve anything, this could be a big problem if you're seriously injured, or even become very sick on a weekend or overnight Australian-time and need urgent treatment exceeding $1,500.

    The major difference between the other credit card insurance policies is how much they will pay for your daily costs while in hospital such as TV rental, purchased meals, etc, (some offer only $50 per day, while others offer up to $100 per day), and whether they'll pay you for income you've lost because you've been unable to work.

    Another important difference is how the banks' insurers handle pre-existing medical conditions.

    Some credit card travel insurance policies -- such as those from NAB and American Express -- simply say they will not cover pre-existing medical conditions. Others are more generous; ANZ Platinum automatically covers a number of common medical conditions such as type II diabetes, asthma, epilepsy and more -- and will consider others on application.

    (Like with all travel insurance, you would be crazy not to disclose any previous or current medical conditions to the insurer before you go, because they have the right to access all your medical records with any doctor, and if they find that you haven't disclosed something, they could cancel your whole policy.)

    Of course, all the other 'gotchas' with travel insurance apply. Insurers may only reimburse for lost or stolen items if you have filed police reports within 24 hours, and only if you can provide original purchase receipts to prove ownership.

    Insurers often slip the word "reasonable" in throughout policies, too -- reasonable medical expenses, reasonable meal and accommodation expenses after a travel delay, and so on. Just because you think something is reasonable doesn't mean the insurer will agree -- so look for policies where the definition of "reasonable" is listed. Be sure to also read our recent article Top 10 tips for getting the best travel insurance.

    Australia's best credit cards for free travel insurance

    Why: very low barrier to qualifying for the travel insurance ($250 of travel costs paid on the card); no excesses for most claim types; excellent medical coverage with automatic coverage for many common pre-existing medical conditions; good accidental death benefits; good baggage/property coverage if you're only travelling with clothes and electronics and leave valuable jewellery at home; reasonable rental car coverage; good travel delay coverage.

    Why: coverage of trips up to 12 months; best baggage/property coverage; good income protection; excellent accidental death benefits.

    Why: good income protection; excellent accidental death benefits; good baggage/property coverage; good rental car excess coverage.

    Out of all the cards we reviewed, American Express Platinum Edge stood out as by far the worst.

    Why: American Express won't pay medical claims over $1,500 unless they have approved them first (and medical coverage is not unlimited like most cards); the excesses is up to $500; there's no reverse-charge number to call worldwide; no missed connection coverage (often a cruciual issue for business travellers); no income protection or cover for general accidental death; low per-item claim limits for property; and no rental car excess coverage.

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    Worst credit card company

    Commitment to Solving Credit Score Problems Is the First Step to Good Credit

    It is always a good idea to keep your credit rating in good standing. It is always a wise idea to consider the pluses of good credit before spending on items that are considered non-essentials. Bills from credit card purchases do not dissipate. Many of us wish that these bills might disappear, but they will not disappear. These bills have to be paid and rightfully so. Paying the bills on a timely basis ensures a good credit rating. Paying the bills on time ensures the ability to have a good or better credit rating, and it ensures the access to borrowing additional funds when needed.

    Answering the Question of How Can One Raise His Credit Score within a Time Frame of Six Months

    • One of the first steps in improving the credit rating is to access what the actual credit scores are. Finding the assigned credit score is easy. One way of doing this is to access the particular assigned credit score on line on a program that offers the service for free.
    • Next one has to access one of the major credit card score keepers. There are three major credit card score keepers. One is the Equifax Company. Another credit score keeper, which is connected to companies that have reported information into systems about financial credit payments, is the Experian Company. The third major credit card company that knows your past credit rating and history of company’s reports on payments and also rates current accessibility to credit is the Transunion Company. These credit bureaus as such receive information from mortgage companies that currently have agreements for financial payments. These three credit reporting bureaus receive information on payments for auto loans, payments on credit card bills, payments for bills for medical care from hospitals, payments for doctors, and any additional bills for services that were needed and were paid for with credit and not paid for with cash.

    Raising Credit Scores Can Be Accomplished and Following These Suggested Ideas Will Be Helpful

    • The first thing to do in this quest for good credit score standing is to be determined to improve your credit rating.
    • The second thing that one should do is to contact all three main credit card bureaus and see if you can advise them of any inconsistencies that would be in your favor.
    • The third thing to keep in mind is to always make the payments to bills on time. If you cannot do this, contact the credit company and make at least a partial payment.
    • The fourth thing to do is consider making all purchases with cash or with debit cards. If one is able to pay more than the minimum payment, then pay more of the principal of the loan.
    • The fifth thing that you should do is to consolidate as many of the loans as possible. Work on it.

    Higher education continues to grow in expense, such that an elitist class of people can only afford to pay for it outright. The rest of the population has to turn to financial aid packages, which regularly include federal Stafford student loans. These loans take up the bulk of a lot of financial aid packages and make it possible for everyone to get a higher education degree. There are a couple of different Stafford loans but only one way to apply for them.

    A federal subsidized Stafford loan means that the federal government pays the interest on your student loan while you are in school at least half time, carrying eight to twelve credits, depending on the institution of higher learning which you attend. Unsubsidized Stafford loans accumulate the interest regardless of whether or not you are in school, thereby compounding the amount you owe to a greater degree and sum by the time you have graduated and finished your degree. Obviously then, you would want to apply for direct Stafford loan that’s subsidized first, and unsubsidized second or last depending on what else you can get in your financial aid package.

    Every year starting in February, college students can go online to FAFSA.gov to fill out their applications for the following school year’s financial aid package. The FAFSA, or Federal Application For Student Aid, is a long and lengthy application when first filled out, but gets easier every year as long as nothing changes in income, assets or other monetary items that would affect aid or the receiving thereof. Students, if under a certain age and still technically under their parents’ charge, would have their parents fill it out as it is based on the parents’ income tax forms from the previous year and their fiscal picture. If the student is married or independent of their parents’ home and can provide proof of such, or if they are a non-traditional older student, parents’ income and taxes are no longer necessary to the application. It then becomes the student’s responsibility to show proof of need and income and any tax forms they had filed for the previous year. Once complete and FAFSA has received accurate documentation, it takes a few months without corrections to develop an offering of a financial aid package, and the student has to check on the form that they are interested in federal Stafford student loans.

    Once a student has finished their degree and graduated, the student loan grace period is two months. Two months are given to everyone to find a job and start paying the loans back. At this point and time the interest will start to accrue unless you have also chosen unsubsidized Stafford loans, which, if you remember, the interest has been accruing all along. If you find that you can not pay your loans back because of financial hardship or can’t find a job in your field, there is such a thing as a Stafford loan forgiveness program. This route isn’t for everyone; it usually involves extremely stressful and potentially dangerous service in areas of the country or globally where poverty and crime rates are high, even among young adults and teens. For example, taking a job as a teacher in the roughest neighborhood in Harlem or Milwaukee and serving there on staff for x amount of years, the federal government will take note of your service (you have to notify them that you’ve taken the position, of course!) and completely excuse your loan. If you don’t mind this work and want to make a difference in such difficult communities, then this might be the perfect way for you to get your education for “free”. There is also an enrollment application for this program in most states, and it can be downloaded from the government’s financial aid website or you can get a copy from the college financial aid office. Don’t do this though, until you’re certain you have a job that qualifies for forgiveness.

    The Federal Student Loan Support phone line is: (800) 557-7394.

    For first time applicants looking to build credit on credit cards, there are ten credit cards that stand head and shoulders above the pack. If you’re a first time credit card holder, your credit card is the number one step to building a payment record. Your credit score may or may not qualify you for car loans, mortgage or lines of credit. And it will determine the rate of interest you’re charged if you apply for and receive financing of any kind.

    The good news is that changes in credit card laws have been passed with the intent of protecting you and others from rogue lending practices. However, it’s up to each individual to make sure their credit file indicates to lenders they are a good or reasonable risk when applying for a loan. Remember to pay all of your bills and expenses on time. All it takes is one or more late payments to lower your credit score.

    The following credit cards, which include prepaid debit cards, are great for people with no credit or a limited credit history. It allows them to build credit on credit cards they choose. Federal laws also protect predatory lending practices to people under 21 unless the card applicant can show he or she has the ability to repay.

    The following ten credit cards are recommended for first time applicants:

    1. Applied Bank Secured Visa Credit Card – This credit card comes with a moderate price tag. But balance transfers are not allowed and there are redeemable awards for air travel and roadside assistance. There’s also a relatively high APR and is available to anyone regardless of credit standing.
    2. First Premier Bank Gold Credit Card – Moderately priced and prohibits balance transfers. Redeemable awards include air travel, cash back and roadside assistance.
    3. Capital One Cash Rewards for Newcomers – This card helps anyone new to the U.S. establish credit and earn cash back in the process.
    4. Capital One Platinum Credit Card ­– There is no first-year annual fee. Personalize your image and get spending notifications through text alerts.
    5. Prepaid Visa Pink Diamond RushCard – Guaranteed approval and free direct deposit. Use the card to pay bills, rent or write personal checks. Transfer money to other cards.
    6. Capital One Cash Rewards Average Credit ­– Cardholders receive a 50% bonus on cash back earned every year. Cash rewards never expire.
    7. Capital One Secured Master Card­ – No application or processing fess required and offers a credit line up to $3000. This is card is accepted a millions of locations around the world. Card holders can also track their own purchases.
    8. Orchard Bank Visa – Accepted a millions of locations worldwide and reports to three major credit bureaus. Check your account information with ease and get reminded of payments by text messages.
    9. Prepaid Visa Black Diamond Rush Card – Guaranteed approval with no credit check. Utilize free deposit and change your fee plan whenever it suits you. Card owners can pay bills and write personal checks. It also offers card-to-card balance transfers.
    10. Prepaid Visa Purple Diamond Rush Card – No credit checks required. Applicants are 100% guaranteed approval. Cardholders can change plans whenever the need arises and there’s no fee charged on direct deposits. Use the card to make purchases and pay bills. It also comes with a free prescription card.

    First time credit cardholders should make every attempt to use their card wisely. Why? Because they may have their credit card for years and every purchase and payment is recorded on their credit report and will remain there for many years.

    Credit scores are checked on everything, from buying a home or renting an apartment, to everyday purchases and applying for a job. Remember to spend wisely if you’ve been approved for your first credit card. Credit penalties could affect your life for years to come.

    How to get personal loans for people with bad credit

    With the economy still struggling and unemployment rates fluctuating, it’s one of the worst times in history for someone with bad credit to try to get a loan of any sort. Yet, life still goes on and needs arise. If you already have bad credit, it’s never too late to start working on improving your credit rating and one effective way is to build credit on credit cards. Using credit cards for purchases and then paying the monthly payments on time or even paying them off every two months or so will work towards improving your overall credit score. A key to this is not to max-out the credit card or cards, though, as running the balance up to the hilt is just as much of a red flag as is non-payment. Sensibly handling your credit cards will show potential lenders that although you may have had an unfortunate set-back in the past, your current credit record is one of responsibly managing your debt.

    Many times it is just as difficult to obtain a credit card as it is a loan when you have bad credit. There are a number of companies now who specialize in guaranteed credit cards for people with bad credit. These companies vary in how they structure their offers. Some are considered “secured” and may operate more like debit cards, having you make a deposit equal to your “limit” and then, although you have money backing your purchases, you will still make monthly payments that will build your original deposit back up. Others are more traditional, being unsecured and not requiring a deposit, but they will charge an inflated interest rate, well above the current going rate for a typical credit card.

    It is easy enough to find guaranteed credit cards for people with bad credit. Email inboxes are flooded with offers almost every day of credit cards that are assured approval. You can also use the internet to search several sites that will match a credit card and its benefits and features with your credit situation. Simply fill out a short questionnaire and these sites will present you with several choices of credit cards, secured cards, and pre-paid cards. You just review the aspects of each of them and select the one that is right for you. Most times you can get an approval within minutes when you apply for a credit card using one of these sites and be on your way to re-building your credit within days.

    While attempting to build credit on credit cards using guaranteed and/or secured cards is one way to go, there are also more loan agencies now than ever before that will loan to someone with bad credit. Recognizing the difficult situation that a large number of people are in, banks and credit unions are even offering “bad-credit” loans in some circumstances. It is always worth a try to contact the bank you do business with first to see what they might be able to offer by way of a loan. These types of institutions might require collateral to secure your loan, but it will at least provide an opportunity to work on your credit score. The most common types of loans that banks and credit unions offer customers with less than perfect credit are home equity lines of credit and title loans on vehicles. This gives them something tangible to fix the loan to in the event of non-payment. Aside from typical financial institutions, there are many other agencies that can be found online and locally, as well, that are willing to loan to those with bad credit. As with the credit cards, you should expect higher interest rates for lower credit scores but that may be a small price to pay to improve your credit rating.

    Facing the possibility of bankruptcy is a difficult time for most people. One of the biggest questions people have when contemplating filing bankruptcy is if they can keep their assets. Different kinds of bankruptcy have different benefits and drawbacks when it comes to the debtor. One of the major advantages of filing Chapter 7 Bankruptcy is that it allows you to keep various assets that would other wise be surrendered when trying to pay off debts and filing bankruptcy. Cars and homes are two of the biggest assets that most people have.

    One of them most commonly asked questions people have when facing bankruptcy is “Can I keep my vehicle if I file bankruptcy?” Under chapter 7 bankruptcy, the answer is yes in most cases. Chapter 7 bankruptcy allows that as long as the vehicle is owned by the person filing bankruptcy and is worth less than the maximum allowable value for exemption amount of the state that the person is filing bankruptcy in. Different states have different exemption laws, so it is important to find out what the laws are in your state before filling bankruptcy.

    The answer becomes more complicated if you do not own the vehicle you wish to keep, either because you are still making payments on it, or because it is a leased vehicle. Laws very from state to state, but, in most cases, if the payments are current than you will be able to keep the vehicle. If you are leasing the vehicle you usually have the option of breaking your lease agreement without occurring any penalties and returning the vehicle or keeping the vehicle under the current terms.

    Where your options under Chapter 7 bankruptcy law become complicated is when you are making payments on vehicle you plan to own in the future. Most states give you several options. You can keep the terms of the loan as they are, without making any changes, you can renegotiate the loan or resign the loan under what is called a reaffirmation agreement, or you can agree to pay the lender a lump sum more or less equal to the vehicles current worth, under what is known as a redemption payment. Each state has different policies, so you need to make sure that you understand the law in your state.

    In any case the first thing you should do is call you lender and inform them that you are planing on filing on bankruptcy, but wish to keep your vehicle. Your lender may have certain policies for dealing with bankruptcies, and it is important to understand all of your options before proceeding.

    Because the law is complicated, it is very important to consult a bankruptcy lawyer when filling for bankruptcy. Your lawyer will have more specific information concerning your case, and will able to provide you with a more specific answer about which assets you will be able to keep, and what you will have to do in order to be able to keep them.

    Deciding to end a divorce is just as important has deciding to get married, and neither choice should be entered into likely. While no one wants to get a divorce the inevitable is bound to happen. The quickest way to recover is to accept what is about to happen and move on. However, this theory may be a little difficult to do when children are involved. The most important factor to consider in an uncontested divorce is the children and what effect a divorce will have on their well being. They too must learn to accept and cope with a one parent home. However, there are some steps that parents can take to help make the process easier.

    An uncontested divorce can work to the advantage of most couples where children are involved. They have the freedom to sat down and come to an agreement on issues that will ultimately impact their present and future well being. The court may recommend that the children involved participate in my parent is getting a divorce class. This will help them realize that they are not the blame for the separation, and they still have both parents, but in separate homes.

    Separate homes usually mean custody issues. Both parents will more than likely share custody, and in some cases only one parent is given full custody of the children. If this is the case the other parent is required to pay child support. This amount can be reached outside of the courtroom by both parties or inside the courtroom by a judge. High debt and uncontested divorce is a workable plan that can work in the best interest of the entire family. If high debts need to be resolved, work out a payment plan with the creditor. Agree to pay a reasonable amount in child support. If the court insists on insuring the children, placing them on the job’s insurance plans are a lot cheaper.

    Sell off as much property as necessary; if it is of no use to neither party, take the money and pay off debts that could affect both parties in the near ahead. Eliminating financial debt before getting an uncontested divorce means that children can look forward to financial support in a timely manner and both parties are practically debt free. Most couples will have already worked this part out before they enter the courtroom and ask for an uncontested divorce with children.

    There can be a large variance in the cost of an uncontested divorce. Attorneys are known to advertise anywhere from $90 to $1000. Generally the lower rates are for a very specific uncomplicated case and will go up in large increments if children or other complications arise. Getting an attorney that offers a flat fee for uncontested divorce is your best bet. The court fees for filing your divorce will vary from state to state. It is generally around $250.00 to file for a divorce with the court. You will need to check with your local courthouse for exact filing fees in your area. If uncontested divorce is at all possible it is in the best interest of everyone involved and in the long run will save you a bundle of money.

    What property can I keep after a chapter 7 bankruptcy?

    Deciding to file for bankruptcy is a difficult decision that most people try and avoid if at all possible, especially since filing stays on one’s credit report for 10 years. But for many circumstances force their hands and bankruptcy becomes inevitible. Under Chapter 13 Bankruptcy, debtors pay back debts over an extended period of time, but when that isn’t possible some will file for Chapter 7 Bankruptcy which will cancel many of their debts.

    However, just because someone has filed a Chapter 7 Bankruptcy doesn’t mean they can live in luxury. Filing a Chapter 7 Bankruptcy is a humbling experience, one that requires many to scale back to the necessities, take inventory of their possesions and prioritize their lives. Excessive posessions will be liquidated in order to pay creditors at least a portion of what is owed.

    But of course, no one expects people to live with absolutely nothing. For this reason there are limits on what property one is allowed to keep. Many people find these limits quite reasonable, and well worth the peace of mind that comes from no more collection calls.

    Exact values of what is allowed can vary somewhat depending on what state a Chapter 7 Bankruptcy is filed in.

    1. The first thing you get to keep is $20,200 of value in your residence. This means those with a large amount of equity in a home, may need to refinance to pay off some bills before being condisered. However, for those who rent, this should not be a factor.
    2. You are also allowed to keep your vehicle valued up to $3225. This is the Market Value, minus any loans against it. Household items values at up to $10,775 are also considered exempt, except no individual item can be valued at more than $525. Jewlery and heirlooms up to $1225 may be kept. Tools of the trade, valued to $1850 may be kept, this includes anything which is deemed necessary to earn one’s livelihood.
    3. You may also continue to receive a reasonable amount of alimony or child support, and public benefits, such as unemployment, worker’s compensation, Veteran’s benefits or social security are also safe. Retirement accounts, such as 401Ks, should also be left in tact.
    4. In addition to liquidating assets down to these levels, filers of Chapter 7 backruptcy must also meet median income guidelines, and complete credit counseling before filing.


    Top Credit Cards for Bad Credit In Canada – Unsecured & Secured Credit Card Options

    Worst credit card companyFor people with impaired or no credit history, perhaps there’s no quicker or more effective way of re-establishing their credit than with a credit card. Luckily, even if you’re currently in bankruptcy, consumer proposal or emerging from insolvency, there are a growing number of credit cards for bad credit in Canada.

    Canadians can now choose from a host of different types of credit cards to help them establish, re-establish or repair their credit histories and credit scores. Whether you’re looking for an unsecured, guaranteed approval, or secured credit card, there’s an option that’s best for you.

    With the credit cards below, you can enjoy all the benefits of having a credit card, even if you have no credit history, or have had credit problems in the past. These credit cards for bad credit will help you rebuild or establish a strong credit rating, while giving you the convenience and security of a credit card – make purchases online or over the phone and book travel reservations easily and securely.

    Top No Annual Fee Secured Credit Card For Bad Credit In Canada:

    Click Here To Apply

    A no annual fee secured credit card requires a security deposit but does not charge an annual fee. Your credit limit is then set at the amount of the deposit. You can put down as little as $500, or as much as $25,000, depending on the card. If you decide to cancel your secured card, you can just pay off your outstanding balance, and you’ll get your security deposit back. Because the card is secured, almost everybody is approved. The only downside for some, is that it does require a bank account.

    Why It’s a Winner: The Home Trust Secured Visa, is a great option for those not approved for an unsecured credit card, looking to re-build or establish credit through a secured credit card but don’t want to pay an annual fee.

    While it does require a minimum deposit of $500, you are guaranteed to get approved. Once approved, you can start to use it like any other credit card, and Home Trust will report your payments to both Equifax and TransUnion, helping you re-establish your credit.

    It does come with a 19.99% interest rate, (but you shouldn’t be carrying a balance on a secured credit card anyways). Also, if you have any large purchases you need to make on the card, you can deposit as much as $10,000, which should give you all the flexibility to have a large enough credit line for big ticket purchases.

    Top Low Interest Secured Credit Card For Bad Credit In Canada:

    Click Here To Apply

    Even though this is a secured credit card, some people still may carry a balance from time to time, and if you do, a low interest option is critical to keeping down your borrowing costs.

    Why It’s a Winner: The People’s Trust secured credit card offers a low interest rate of 12.99% on balances, two percentage lower than the next best secured credit card.

    What also makes this card unique among it’s peers, is that you can create a security deposit as low as $500 to as high as $25,000. That’s the highest deposit allowed in Canada, to our knowledge, giving you the baility to create a $25,000 line of credit and all the flexibility to spend on big ticket items to meet your individual needs.

    This card is ideal if you have had credit problems and want to rebuild your credit rating, have no credit history and want to establish a good credit rating or are a discharged bankrupt.

    Just be careful with the low interest rate. If you intend on carrying a balance, you’re probably better off not getting the card and using the money that you would have used for your deposit to pay for your service – interest free.

    You will need a bank account to be able to apply for this secured credit card.

    Top Unsecured Credit Card For Bad Credit In Canada:

    The Affirm MasterCard ® Credit Card

    IMPORTANT NOTICE! Affirm Financial Services has temporarily suspended issuing new credit cards. This is the message showing on their website:

    “As we continue to find progressive ways to support the credit needs of Canadians, Affirm Financial Services has temporarily suspended issuing new credit cards, loans and all credit limit increases.

    We are working hard to ensure that we bring you the credit products you need as soon as we can. We sincerely apologize for any inconvenience this may cause you.

    Existing Affirm Mastercard customers may continue to use the card in accordance with the terms of the cardholder agreement.”

    An unsecured credit card for bad credit is a card designed for those with impaired credit. However, because it is unsecured, you won’t have to put any deposit or security against the card, and you’re not required to have a bank account. It’s a great alternative if you’ve been turned down for a credit card by the banks.

    The advantages of an unsecured credit card are: 1. You get a true line of credit, without having to give a security deposit. 2. Your credit history gets reported to the credit bureaus. 3. It allows you to build or re-build your credit, even if you had difficulties in the past or present – even consumer proposal or bankruptcy.

    Why It’s a Winner: The Affirm MasterCard is our top ranked credit card for bad credit, because it stands alone in Canada as the only unsecured credit card for bad credit with absolutely no security deposit required. It’s a great opportunity for those who have declared bankruptcy or have been or are in consumer proposal, offering unsecured credit lines as high as $3,000.

    It comes with an interest rate of 29.99% for homeowners and 34.99% for non-homeowners, comparable to a store credit card, and much lower than a pay day loan. But remember, you shouldn’t be carrying a balance anyways. The idea here is for you to use good credit habits and pay down your credit card bill every month, not just the minimum payment, on time – use automatic payments if you can’t trust yourself. Pay down your balance every month and the interest rate is irrelevant.

    It does come with an annual fee of $84 per year, charged at $7 per month. Reasonable for the risk the bank is taking, and when you consider many secured credit cards also come with an annual fee. Once you’ve re-established your credit, you can apply for a no fee credit card, and avoid the annual fee altogether.

    Affirm reports to both credit bureaus, Equifax and TransUnion, with every payment. Not all lenders do this. As a result, the Affirm MasterCard will help you build a positive track record of payment performance, and improve your credit history and score as quickly as possible.

    READ THIS TO GET APPROVED: To help you get approved for this card, if you’ve declared bankruptcy or been in consumer proposal you should have a FICO greater than 500. If not, your FICO should be greater than 600. Your annual income should be at least $10,000. You should not have a payday loan inquiry. Nor should you have a major derogatory like a delinquency, or judgement in the last 6 months.


    Instant Approval Credit Cards For Bad Credit | 2017 Guide | How to Get Instant Credit Card Approval with Secured Credit Cards

    2017 Guide: How to Get Instant Approval Credit Cards for Bad Credit

    It’s no secret that finding instant approval credit cards when you have bad credit can be a challenge. In fact, even finding a credit card that doesn’t have high interest and low limits can be an exercise in frustration while you’re trying to rebuild your credit.

    However, it’s not impossible to get an instant decision on credit cards if you know where to look. Since you can apply for credit cards online, most of the time you can get instant approval on credit cards for bad credit.

    We will show you how to prepare to shop for instant approval credit cards, what secured vs. unsecured instant credit cards are, and which instant credit cards might be right for you.

    First, let’s take a closer look at the criteria companies use before approving an instant credit card: your credit score. Different companies that offer instant credit cards may have varying standards. According to Credit.com, the companies that offer credit scores do not determine what good credit vs. bad credit is — that is left up to the individual lenders.

    Credit scores for both FICO® and VantageScore®, which are the two main credit scoring companies, range from 300-850. The higher your credit score is, the lower the risk a credit card company assumes as they lend you credit.

    When a company issues instant approval credit cards for bad credit, however, they assume more risk. That risk is passed on to the customer in the form of higher fees and interest rates.

    Even though individual companies decide which consumers to offer instant approval credit cards to, there are general ranges that can be assumed, according to Nerd Wallet:

    • Excellent credit: 720+
    • Good credit: 690-719
    • Fair/average credit: 630-689
    • Bad credit: 300-629

    However, according to TheSimpleDollar.com, any score under 650 can be considered poor credit, considering that 695 is the national average. With this scale in mind, only a credit score of 760 or higher is considered excellent.

    Offering instant approval credit cards for bad credit is more risky for credit card companies than instant approval credit card offers made to consumers with a long history of excellent credit. In order to make up for the risk, companies will often charge customers with bad credit higher interest rates, set lower spending limits, and only offer secured cards.

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    Instant Approval Credit Cards: Preparing Ahead

    Before you start hunting for instant approval credit cards for bad credit, you need to be prepared. The more you know, the more you will be able to make informed decisions about a credit card with instant approval and avoid falling into a situation that will cost you more in the end.

    Worst credit card company

    The first thing you need to do before shopping for instant approval credit cards is to find out your credit score. If you already have a credit card, there’s a good chance your score is on your monthly credit card statement. You can also check with your bank or credit union to see if they have options to check credit scores for their customers.

    If you are unable to access your credit score through any of your financial insitutions, you can check online. CreditKarma.com and Credit.com are two websites that offer free credit scores. Once you know your score, you can better determine whether to apply for instant approval credit cards for bad credit, such as secured credit cards, or apply for an instant credit card approval on a traditional, unsecured card.

    If your credit score is too low, you may have trouble finding an instant credit card with terms that work for you. People who don’t need an instant decision on credit cards can take some time to repair their credit by:

    • Paying bills on time
    • Getting current with creditors
    • Reducing overall debt

    Instant approval credit card offers are easier to get once your credit score goes higher. However, some consumers need instant credit card approval, in which case, the choices are more narrow.

    Instant Approval Credit Cards: Secured vs. Unsecured Credit Cards

    If you have poor credit, your best option may be a secured credit card. First, you need to know what an unsecured credit card is before learning how an instant credit card approval with a secured card can benefit you.

    An unsecured credit card is the most common type of credit card, according to CreditCards.com. The card is not directly tied to money that the customer has deposited to secure the card, meaning they qualify for instant approval credit cards based on their good credit history and overall financial strength.

    Consumers who need an instant credit card but have poor credit need to make a deposit to the lending institution issuing the card. The credit limit is usually the same amount as the deposit, which protects the company in case the borrower cannot pay. Once the deposit is made, a secured instant credit card works just like any other card.

    Instant approval credit card offers for secured cards can benefit consumers who are trying to rebuild their credit. A secured credit card lender will report your payments to the credit bureaus, just like with an unsecured card. By making on-time payments, a person with poor credit can begin to see an increase in their credit score.

    The downside of a secured instant credit card is that if the borrower doesn’t make the payments, they lose the deposit and their credit score is further damaged. Also, secured cards often have fees in addition to the initial deposit, which can add up quickly.

    When shopping for instant approval credit cards for bad credit, an unsecured card is always more desireable but might not be attainable. As you begin your search, keep in mind that not every credit card with instant approval is created equally. Always look for the best terms you qualify for.

    Instant Approval Credit Cards: What to Look for

    When looking for a credit card with instant approval, you will want to select one that fits your needs. Instant approval credit cards for bad credit that are secured come with different features and benefits, just like unsecured credit cards.

    In addition to putting down a deposit for your secured credit card, financial institutions often have annual fees, activation fees, and processing fees, not to mention interest rates.

    Find out ahead of time which instant credit card will give you the best deal on fees and whether you can afford them in addition to the deposit.

    If you’re trying to rebuild your credit by applying for instant approval credit cards for bad credit, then you will want to make sure that the card company does, in fact, report your on-time payments to the credit bureaus.

    Also, you need to know whether or not the company flags your card as being secured. A flag that your instant credit card is secured might hinder you from rebuilding your score.

    Most of the time, credit card issuers have a 100% ratio, meaning they will only issue a line of credit for the amount of your deposit. However, you may find an exception to that, and depending on your credit needs, it might be worth the hunt.

    Some institutions who provide an instant decision on credit cards also offer interest on the deposit. This is rare, but finding a company that does is one sign of a solid issuer.

    It is also important to know how long the credit card issuer will keep your deposit once you close the account. Some companies like to keep the deposit long enough—up to a few months—to ensure there aren’t additional charges to the account before they give back the deposit.

    Qualifying for an Unsecured Card

    When searching for instant approval credit cards, check to see how long it will take for you to qualify for an unsecured card. Not all financial institutions will turn around and offer you an unsecured card, so it’s important to know if that’s an option.

    Oftentimes, an issuer will watch over a period of time to ensure you’ve made all your payments on schedule before giving you the choice to switch to an unsecured card. The time periods vary, but you can expect to make a year’s worth of payments before seeking instant approval for credit cards that are unsecured.

    Instant Approval Credit Cards: 3 Cards Worth Checking

    There are several instant approval credit cards for bad credit you can compare before applying, but we’ve selected just a few to get you started.

    Worst credit card company

    Capital One has long been a trusted name in the industry. Their secured MasterCard offers the following:

    • $0 annual fee
    • 24.99% variable APR
    • Refundable deposit based on credit ($49, $99, $200)
    • Access to a higher credit line after five months of on-time payments
    • Free credit score and tools through CreditWise

    The Discover it® card claims to help customers build or rebuild credit with responsible use.

    • $0 annual fee
    • 23.24% standard variable purchase APR
    • Free FICO® score every month
    • 1%-2% cash back on purchases

    A Wells Fargo Secured Credit Card can help you establish a credit history with a security deposit as low as $300.

    • $25 annual fee
    • 19.24% APR
    • Credit line is equal to your security deposit
    • Access to free credit score
    • Up to 5% cash advance

    If you want to know how to get instant approval credit cards for bad credit via a secured card, the key is not to rush. Take the time to find your credit score, make adjustments as you can through on-time payments and paying down debt, then shop for a card that suits your needs.

    Remember to check out all the features and benefits that are important to you before applying for instant approval credit cards. There are many credit card issuers out there who are willing to work with consumers who have poor credit. Resist the temptation to apply for the first instant credit card that you think you can qualify for.

    After selecting a credit card with instant approval, use caution. The good thing about secured cards is that you can’t spend much more than a set amount that you’ve deposited. Therefore, you should technically be able to afford all the purchases you make on the card.

    Pay the card on time, every time. You applied for instant approval credit cards for bad credit in order to rebuild your credit history. Now is the time to show the credit bureaus that you can properly manage credit. Once your credit is good, you can apply for unsecured credit cards and loans.

    Taking the time to do research and find instant approval credit cards that fit your needs could mean more money tucked safely in your wallet.

    Reasonable efforts have been made to present accurate information, however all info is presented without warranty. Review AdvisoryHQ’s Terms for details. Also review each firm’s site for the most updated data, rates and info.

    Note: Firms and products, including the one(s) reviewed above, may be our affiliates. Click to view our advertiser disclosures.

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    Worldpoints visa

    WorldpointWorldpoints visa

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    • The eBook is an electronic version of the 2015 Handbook of Emergency Cardiovascular Care (ECC) for Healthcare Providers (HCP)
    • Updated with the latest science and treatment recommendations from the 2015 American Heart Association Guidelines Update for CPR & ECC.

    • The eBook is an electronic version of the 2015 Handbook of Emergency Cardiovascular Care (ECC) for Healthcare Providers (HCP)
    • Updated with the latest science and treatment recommendations from the 2015 American Heart Association Guidelines Update for CPR & ECC.

    Stackable torsos and heads generate a compact package for transporting multiple units!

    Stackable torsos and heads generate a compact package for transporting multiple units!

    • Training valve for CPR masks
    • Fits all CPR masks carried by WorldPoint
    • Cost-effective alternative to one-way valve–perfect for training
    • Prevents contamination
    • Single-use, disposable
    • Individually wrapped!
    • Replaces WP-50

    • Training valve for CPR masks
    • Fits all CPR masks carried by WorldPoint
    • Cost-effective alternative to one-way valve–perfect for training
    • Prevents contamination
    • Single-use, disposable
    • Individually wrapped!
    • Replaces WP-50

    • Meets AHA 2015 guidelines
    • Contains 5 scenarios
    • Spanish/English capability

    • Meets AHA 2015 guidelines
    • Contains 5 scenarios
    • Spanish/English capability

    • Designed for personal use
    • Stores easily in a briefcase, purse, glove compartment or desk drawer and contains various first aid items for treating minor emergencies.
    • Contains 28 Pieces!

    • Designed for personal use
    • Stores easily in a briefcase, purse, glove compartment or desk drawer and contains various first aid items for treating minor emergencies.
    • Contains 28 Pieces!

    Excellent Airway Management Trainer!

    • Airway-only, adult manikin with bronchi model and breakout teeth
    • Allows needle cricothyroidotomy
    • Teaches laryngeal mask insertion, oral and nasal endotracheal intubation, and more

    Excellent Airway Management Trainer!

    • Airway-only, adult manikin with bronchi model and breakout teeth
    • Allows needle cricothyroidotomy
    • Teaches laryngeal mask insertion, oral and nasal endotracheal intubation, and more

    Realistic Bleeding Simulator

    • Provides the appearance of extermal hemorrhage at the point of injury
    • Provides the opportunity to see and treat bleading wounds with various pieces of equipment

    Realistic Bleeding Simulator

    • Provides the appearance of extermal hemorrhage at the point of injury
    • Provides the opportunity to see and treat bleading wounds with various pieces of equipment

    • A New Class of hemostatics!
    • Immediate hemostasis achieved upon application
    • Effectiveness maintained in wet environment and when fully saturated
    • Replaces NT-0236

    • A New Class of hemostatics!
    • Immediate hemostasis achieved upon application
    • Effectiveness maintained in wet environment and when fully saturated
    • Replaces NT-0236

    WorldPoint helps our customers deliver the highest quality training, improve healthcare and save more lives. Here we have featured our recommended, best-selling items to support your training.

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    WorldPoint helps our customers deliver the highest quality training, improve healthcare and save more lives. We connect you with the American Heart Association training materials and the supporting products you need, with the passionate, knowledgeable support you deserve.

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    Worldpoints credit card

    AOPA Card Credit and Checking Options AOPA Credit Cards

    Support AOPA and show your pride with your BankAmericard Cash Rewards™ Visa® credit card

    Worldpoints credit card

    Get a $150 cash rewards bonus for making at least $500 in purchase(s) within the first 90 days of account opening.

    • 1% cash back on every purchase, including aviation fuel
    • *2% cash back at grocery stores and wholesale clubs
    • *3% cash back on gas (automobile gas)

    *2% and 3% category rewards bonuses apply on up to $2,500 in combined quarterly spend in those categories.

    Click Learn More for information about rates, fees, other costs and benefits associated with the use of this credit card, and refer to the disclosures accompanying the online credit application. This credit card program is issued and administered by Bank of America, N.A. Deposit products and services are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation.

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    BankofAmerica.com/WorldPoints: Bank of America WorldPoints Rewards Benefits and Redeem Guide

    Bank of America is an international banking and financial services of the United States. It is one of the largest bank holding companies in America in terms of assets and the fifth largest company by total revenue. Bank of America is providing a rewards program known as WorldPoints. The bank issues more than eighty million credit cards for circulation. Besides these cards, the bank also manages and issues cards for small and midsize banks, which are included in the WorldPoints. At Bank of America’s WorldPoints, you can get something for “nothing” in many ways. It gives you points, which you can redeem for free stuff.

    The WorldPoints is a well-known rewards program offered by the Bank of America. Customers who use a participating credit or debit card of Bank of America can automatically accumulate points for all the purchases made at the rate of one point per dollar spent. The members of this bank can increase their points by paying bills with their Bank of America Card and they will get discounts on fine dining, identity theft protection, concierge services, and more. If you purchase through the Bank of America WorldPoints Mall, you will be rewarded with more points and attractive discounts on items that you desire to buy. Therefore, products purchased from the Bank of America WorldPoints Mall gives you six or more points per dollar spent.

    The rewards program offers you with so many shopping options. The points can be redeemed for items like cash, travel, gift cards, merchandise, charities, and even Ultimate Access such as concerts, sports memorabilia and other special events. In addition to earning rewards, you can also enjoy the benefits offered by the bank that are simply amazing. With the help of credit card, the members can gain advantage from personal and business benefits. Take a look at the benefits given below.

    ATM Access (Cirrus Network) Visa and MasterCard

    Cirrus Network is an electronic banking network, which links the ATM and lets you get cash even while you travel. To use this network, insert your card in the machine that displays the Cirrus symbol and provide your Personal Identification Number (PIN). Then, follow the instructions given by the machine. To locate the Cirrus machine, dial 1.800.4CIRRUS (1.800.424.7787).

    Emergency Card Replacement

    If you lose your credit card while traveling then you can make a call at this number 1.800.421.2110 to report the loss or theft. As per your request, an emergency replacement card will be given.

    If you are stuck anywhere in the world without credit card or cash, make a call to the toll free number for emergency assistance. Emergency cash will be transferred to a Western Union office or to a participating bank outside U.S. Funds will be charged to your account as cash advance.

    Fraudulent Charge Protection

    You just need to contact immediately at 1.800.421.2110 if your card is misused, and you will be 100% protected against the illegal use of the WorldPoints account.

    The Cash Advance Checks appears similar to the personal checks and it can be used anytime. You can write cash advance check to access from your credit line. The check will be charged to your account as cash advance.

    Instant Credit Line Increase

    The bank responds to your call instantly. Make a call to the toll-free number at 1.800.421.2110 to appeal for the flexibility of a higher line of credit.

    You can easily pay off other credit card accounts by telling them on which account you want to make a payment and the bank will transfer the money to your WorldPoints account.

    Year-End Summary of Charges

    You can request for a Year-End Summary of Charges that includes a list of the billing record of the previous year. Generally, the customers use this summary to assist with budgeting expenses for the coming year, sorting business related expenses, preparing for taxes, etc.

    Enhanced Fraud Protection

    You will be informed immediately if there is any unusual activity on your account detected by the tracking system.

    If you are a current cardholder or planning to become one, make sure that you review the best options for redeeming points. Given below are the best options to redeem points.

    Cash rebates $250 and up: if you get $250 and above, you will receive a 1:1 conversion on your WorldPoints redemption.

    Partner gift cards $250: the gift cards give you a penny per point when you hit $250. For $250, you will receive gift cards like Hyatt, Home Depot, Macy’s, Walmart and Bloomingdales.

    Travel redemption options: you will get a domestic airline ticket for $400 or for 25,000 points.

    “Ultimate Access” options: when you collect 40,000 to 50,000 points i.e. $400 to $500 each, you will receive unique things like a 16×20 plaque signed by Jack Nicklaus.

    How to Redeem Bank of America WorldPoints?

    • First, you need to open an account with Bank of America by visiting the site bankofamerica.com/worldpoints to accrue the WorldPoints. These points increase for every dollar that you spend.
    • Once you have created an account, you need to log on. Then, follow the instructions provided on the website of Bank of America to start earning the points.
    • Now, you are eligible to redeem your WorldPoints. The Bank of America’s WorldPoints website will let you choose different rewards like travel, merchandise and cash, or you can even make a call to the redemption center at 1-800-434-8313 to redeem your points.

    1 thought on “BankofAmerica.com/WorldPoints: Bank of America WorldPoints Rewards Benefits and Redeem Guide”

    I constantly invested my half an hour to study this website’s posts everyday along with a mug of coffee.

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    Worldpoints bank of america rewards

    Why Bank of America Worldpoints Business Visa might be useful to some

    Just recently, Fidelity introduced its Fidelity Rewards Signature Visa to replace the Fidelity Amex. With that, they are severing ties with Bank of America. All current cardholders of the Fidelity Visa will be converted to the Visa within about 6 months.

    The Fidelity Amex is a Worldpoints earning card. The best thing about that card, in my opinion, is that you can take points from the Bank of America Travel Rewards Visa card and combine them with the Fidelity Amex, and then cash out those points instead of having to use them strictly for a travel credit to get maximum value.

    Some with Platinum Honors benefits with Bank of America earn 2.62 points per dollar (equal to 2.62% towards a travel redemption) on the BankAmericard Travel Rewards, which is why I called it the best card for everyday spending. However, with the Fidelity Amex going away, that 2.62% will not longer be able to be cashed out. Instead, the only way to fully redeem BankAmericard Travel Rewards at 2.62% would be to use them for travel credit.

    Here’s where the Bank of America Worldpoints Business Visa come in. Having one of these worldpoints earnings card would allow you to effectively replace the Fidelity Amex in the sense of being able to combine points and cashing them out (see below).

    1. WorldPoints® Rewards for Business Visa® Card
      • No annual fee
      • Earn 2 rewards points per $1 on purchases at gas stations, restaurants, and office supply stores
      • Earn 1 rewards point per $1 on all other purchases
    2. WorldPoints® Travel Rewards for Business Visa® Card
      • No annual fee
      • Earn 1.5 rewards points per $1 spent on all purchases.
      • Earn 3 rewards points per $1 spent for travel booked through Bank of America’s Travel center.
      • No limit to the number of points you can earn and points don’t expire

    Cashing out the 2.62% from BankAmericard Travel Rewards

    Of course, all of this is only beneficial if you have Platinum Honors benefits with Bank of America. Once you have one of these business visa cards, you should be able to combine points from BankAmericard Travel Rewards Visa to that account. After that, you should be able to cash out the worldpoints. Per Creditcardforum, to get the full value of the worldpoints, you must redeem 25000 worldpoints or more at a time. If you redeem for anything less, you will not get 1 cent per point value out of them.Worldpoints bank of america rewards

    Redeeming 25,000 points for a $470 economy roundtrip ticket.

    With one of these business visas, you can use 25,000 points for a $470 roundtrip economy ticket. That’s pretty amazing. I learned about this from a pretty good guest post on Doctor of Credit.

    Worldpoints bank of america rewards

    I’ve written about redeeming 25,000 Worldpoints for a $400 airfare ticket with the Fidelity Amex, but having a Worldpoints Visa even increases the value even more.

    The restrictions on the ticket:

    • Twenty-one day advance booking and Saturday night stay required.
    • Stopovers of four hours or more aren’t allowed.
    • Tickets must be round trip on the same U.S. carrier approved by the Airline Reporting Corporation.

    Here’s an example of how this all comes together for someone who is Platinum Honors with Bank of America earning 2.62% back on the BankAmericard Travel Rewards Visa.

    Let’s say you spend $9600 on the BankAmericard Travel Rewards Visa. As a result, you will earn 25152 travel rewards points. Transfer them to the Worldpoints Visa. Use 25,000 points and redeem for $250 cash or use those points for a $470 economy roundtrip ticket. That’s pretty fantastic value for only $9600 spend. In addition, this will be a revenue ticket, so you will be earning miles on this ticket.

    If you look at the chart above, the business / first class tickets can be great value as well.

    Keep in mind that you if you don’t have Platinum Honors with Bank of America, but instead Platinum only, you can still do well and earn 2.25% with the BankAmericard Travel Rewards Visa.

    There you have it, 2 good reasons to have a worldpoints business visa.

    Full disclosure: I don’t have a Worldpoints Business Visa. I know that worldpoints can be combined, so I am assuming this will work. I couldn’t test this out and there’s not much data out there regarding this. If anyone has insight into this, please comment below.

    Guest author of the DoC article here. This post is very interesting, but I do have one concern. While I was researching for the post I made, I found conflicting reports of people being able and not being able to transfer points from personal to business accounts. That was the major reason I didn’t put business cards in my post. If anyone could chime in with their experience, that would be great.

    I have been cashing out BofA travel rewards through the Fidelity Amex for a while. Now that it’s going away, I was looking for another avenue to continue doing it. I guess I speculatively posted this because it made sense to me in theory. Guess that’s why I put the disclosure that I haven’t tested it out. Regardless of if the transfer of points works or not, the flight benefit is pretty great for no annual fee cards, especially the one that gives 2x at gas stations, restaurants, and office supply stores. If anyone has a Worldpoints business visa, I would be willing to try and transfer some points from my BofA Travel Rewards visa to you to see if it works. Thanks for the comment.

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