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Credit Cards Make Life Easier
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Credit Cards :: Good Credit (below) [1]
Credit Cards :: Average / Bad Credit
Credit Cards :: For Businesses

credit cards, secured, unsecured, visa, mastercard

If you have good or excellent credit ratings, these cards provide for you advantages like lower APR's and cash back. After all, you should be rewarded for maintaining a good credit rating.

We feature a card that fits your purposes and circumstances.

Applying For The Right Credit Card

Your credit history is: Credit card mainly for use by people with:
Excellent - None poor or no credit history, other credit welcome.
Excellent - Poor poor credit history, other credit welcome.
Excellent - Average average to excellent credit history.
Excellent - Good good to excellent credit history.
Excellent excellent credit history.
Full credit range Loans tailored to credit history.

On this page you may find programs listed for Discover cards (Platinum Clear Cards, Wildlife Cards, etc.), VISA, and MasterCards from various companies.

As you well know the credit industry as a whole is undergoing major changes. Credit is not so freely available as before and standards have been raised regarding who is accepted and who is not. People with bad credit are having a tougher time getting cards with relatively low interest rates. Even people with good credit are finding it more difficult to get the favorable rates.

However, there has been one change that's been positive as of late. The CARD Act of 2009 has just been passed in the Senate. CARD stands for Credit Card Accountability, Responsibility, and Disclosure. Several good things come out of this for consumer protection such as: The credit card issuer must sent you billings at least 21 days before it is due and banning interest rate increases on existing balances unless the account is 60 days delinquent. These and several other benefits are included in the credit card reform act recently passed. The House has their own version which is very similar. Now it's just a matter of sorting out small differences and passing the bill to the President for signing.

 

Credit Cards :: Good Credit [1]
Credit Cards :: Average / Bad Credit >>
Credit Cards :: For Businesses >>

Card Sense

Credit cards make purchasing easier and help keep an accounting of your spending habits. If you can't pay off each month's total purchases made on the credit card, consider paying an amount that is double or more of the minimum amount. This will keep finance charges down and make room for other future charges. This keeps your card from being used up (a.k.a. max'ed out). A max'ed out card quickly becomes a burden since you can no longer use it.

The reality of the 0% interest rate credit card.

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