Tag: cards

Corporate Christmas Cards, Personalised Christmas Cards For Business, business charge cards.#Business #charge #cards

#

business charge cards

Business charge cards

Why Choose Us

Request Samples

Business charge cards Business charge cards Business charge cards Business charge cards Business charge cards Business charge cards Business charge cards Business charge cards Business charge cards Business charge cards Business charge cards Business charge cards Business charge cards Business charge cards Business charge cards Business charge cards Business charge cards

OUR CARD RANGE

Receive 30% Extra birthday cards for free until September 30. Business charge cards Business charge cards BEST CHRISTMAS CARD DESIGNS You get the biggest and best range of corporate Christmas cards.

Receive 30% Extra Christmas cards for free until September 30. Business charge cards Business charge cards





Tags : , ,

Credit Cards – Apply for Best Offers Online at, best creit cards.#Best #creit #cards

#

Credit Card Applications Online

Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from many credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.

OUR CHOICE FOR EARNING MILES

Discover it Miles

Best creit cards

Latest Credit News

Best creit cards

Paying with Fitbit’s New Smartwatch

Latest Research

Best creit cards

How to Subdue Wedding Expenses and Earn up to $1,000 for Honeymoon

CREDIT CARD NAVIGATOR

Navigate Credit Cards

in 3 easy steps!

  • Share it:
  • Tweet

Too Complicated? Shortcut Search by Credit Level

Please, wait a few seconds

Best creit cards

About Credit-Land

Best creit cards

Consumers are bombarded with over a billion credit card offers each year, promising everything from cash back and zero-interest to free airfare and luxury hotel stays. How are consumers supposed to know which offers fit their needs?

Capital One, Citibank, Discover Card, Barclaycard – you know the names, but do you know the difference? All of them want you to carry their cards, and all of them have great-sounding offers, so how to choose?

Credit card companies want your business, so they advertise their best features – CASH BACK, FREE FLIGHTS, SIGN-UP BONUS, ZERO-PERCENT INTEREST – but they may not be so forthcoming about the full terms and conditions. Consumers may not consider the long-term cost of a credit card when they are tempted with instant gratification and freebies galore.

That’s where Credit-Land.com comes in. Our group of finance experts sort through all the offers so you don’t have to read terms and conditions and stay on the lookout for the best new deals we feature, biggest bonuses, lowest interest rates, and news you need to know. We’ll tell you which offers are too good to pass up and which may not be as good as they sound – and we’ll tell you why.

INTERACTIVE CREDIT CARD TOOLS

BALANCE TRANSFER CALCULATOR

Carrying a balance? Find out how much you’ll save – and how much faster you’ll pay it off – by transferring your balance to a new card.

CREDIT SCORE SIMULATOR

Best creit cards

See possible changes to your credit score if you close your credit card, pay off the card balance, or if you get a new card.

VIDEO CHANNEL

GAS REWARDS CREDIT CARDS: GET UP TO 5% REBATE.

COMPARE CREDIT OFFERS

FOR PEOPLE WITH PERFECT CREDIT HISTORY

If you have excellent credit history, then the best credit card offers are yours for the taking. Earn cash back, plane tickets, hotel stays, discounts on gas, gift cards, and more – all for making the everyday purchases you’d make anyway. Credit-Land.com will help you pick the card that gives you rewards you can use and make your card work for you. Make your money go further and get awesome rewards when you find the perfect credit card for your excellent credit history.

Low interest rates, zero-percent balance transfers, zero-percent on purchases, and credit cards with no annual fee – whatever promotional offer you’re looking for, find it at Credit-Land.com. We have access to the newest and best offers from major credit card issuers, and your good credit history puts you a step ahead of the game when it comes to getting approved for these great money-saving offers.

FOR PEOPLE WITH LIMITED CREDIT HISTORY

If your credit falls into the fair or limited category, you may think that good credit card offers are out of reach for you. While it’s true that the very best offers won’t be available, our experts can show you cards that can help you take advantage of the best offers for fair or limited credit. A prepaid card or a credit card for fair credit may be the best option for you while you work on repairing your credit, as long as you make on time payments to all creditors and keep balances low relative to the credit limit. We’ll show you which card fits your needs.

Got bad credit, or no credit at all? Don’t despair. We can help you find a card to help you establish or rebuild your credit and reach your financial goals. You may rebuild your credit history by making payments to all your creditors on time and keeping account balances low relative to the credit limit. Whether you’re looking for a student card, a secured card, or a guaranteed or instant approval card, we have an offer that will work for you.

FREQUENTLY ASKED QUESTIONS

With a decade of experience in credit cards, Credit-Land.com experts are equipped to answer any question you may have. We’ve categorized and published selected responses for your education in our FAQ archive. Need an answer about credit cards? Submit your question today.

Unfortunately, you can’t earn rewards with this credit card. It doesn’t have any rewards program. It is only applicable for getting credit on purchases at Big Lots. However, if you do want to earn.

Unfortunately, I do not believe you would be able to gain approval for the Hot Topic credit card if you are completely new to the world of credit and have no established credit history. When you go.

Figuring out how you can use the points you’ve earned so you you’re not wasting them can be confusing. Points can be converted into cash, transferred to loyalty programs, used to buy airline.

With your current credit score, you may qualify for almost any credit card with 0% on balance transfers provided all your current credit accounts are in good standing, you do not have recent late.

You can transfer that balance to a credit card with a 0% intro APR on balance transfers. For example, it can be the Discover it -18 Month Balance transfer card. The card has 18 months of no.

In order to take part in Menards’ no-interest financing plans, you must be a Menards Big Card holder. To get the Menards Big Card, you can either visit your local Menards store and apply in-store.

Best creit cards

Our Experts will be happy to answer all your questions!





Tags : , ,

Credit Card Debt Consolidation Loans, Prosper, how do i consolidate my credit cards.#How #do

#

Credit Card Debt Consolidation Loans

Are you looking for a loan to help you keep more cash in your pocket every month? By consolidating your high interest debts, you may enjoy the relief you need.

Although you can never borrow your way out of debt, you can greatly reduce the amount of interest you pay every month. Depending upon the credit card balances you re currently carrying, this could save you lots of money—hundreds of dollars, perhaps thousands.

Improve your credit. Start down the road to debt relief right now by applying for a loan at Prosper. You’ll enjoy one easy monthly payment, and we offer only unsecured loans so you won t need to take out a second mortgage or home equity loan.

How does Prosper differ from other debt consolidation loans?

Prosper makes the entire process as easy and transparent as possible. We bring people together to help others through our online community.

Simply join the Prosper community and tell your story to our lenders. Explain how you re looking for a low-cost solution to consolidate your debt. Many of our lenders may respond positively to that as they understand the importance of eliminating excess debt and avoiding a bad credit score.

With a Prosper loan, your loan principal goes down as you make your loan payments. So take the first step to eliminate your credit card debts by joining Prosper and creating a listing. Apply now.

Does my credit score affect my loan?

Yes. Most lenders will look at your credit history, and Prosper lenders are no exception. If you are sure you have bad credit, you may want to consider improving it before you apply. If you are not sure of your credit score, we can help you find out now, for free, with no obligation.

Check your rate

APR starting at

5.99% for best borrowers

Rates from 5.99% to 36.00% APR

Loading . .

How do i consolidate my credit cards

Choose the right fit for your business

Use your personal loan for business

Borrow up to $35,000

We’ll have a list of your eligible rates in less than 2 minutes.

Introducing Business Loans from How do i consolidate my credit cards

Borrow up to $500,000

Up to $500,000 for eligible businesses

Eligible businesses are older than 1 year with a minimum $100,000 in annual revenue. Get approved in minutes.

Loan Types

*For example a three-year $10,000 loan with a Prosper Rating of AA would have an interest rate of 5.32% and a 1% origination fee for an APR of 5.99% APR. You would receive $9,900 and make 36 scheduled monthly payments of $302. A five-year $10,000 loan with a Prosper Rating of A would have an interest rate of 7.69% and a 5% origination fee for an APR of 9.88% APR. You would receive $9,500 and make 60 scheduled monthly payments of $201.28. Origination fees vary between 1%-5%. Annual percentage rates (APRs) through Prosper range from 5.99% APR (AA) to 36.00% APR (HR) for first-time borrowers, with the lowest rates for the most creditworthy borrowers. Eligibility is not guaranteed, and requires that a sufficient number of investors commit funds to your account and that you meet credit and other conditions. Refer to Borrower Registration Agreement for details and all terms and conditions. All loans made by WebBank, member FDIC.

Prosper and WebBank take your privacy seriously. Please see Prosper’s Privacy Policy and WebBank’s Privacy Policy for more details.

Notes offered by Prospectus. Notes investors receive are dependent for payment on unsecured loans made to individual borrowers. Not FDIC-insured; investments may lose value; no Prosper or bank guarantee. Prosper does not verify all information provided by borrowers in listings. Investors should review the prospectus before investing.

All personal loans are made by WebBank, member FDIC. Loans are unsecured, fully amortized personal loans.

Notes are not guaranteed or FDIC insured, and investors may lose some or all of the principal invested. Investors should carefully consider these and other risks and uncertainties before investing. This and other information can be found in the prospectus. Investors should consult their financial advisor if they have any questions or need additional information.

Prosper Funding LLC. | 221 Main Street, Suite 300 | San Francisco, CA 94105

**All personal loans are made by WebBank, member FDIC. All Prosper personal loans are unsecured, fully amortized personal loans.

Notes offered by Prospectus. Notes investors receive are dependent for payment on personal loans to borrowers. Not FDIC-insured; Investments may lose value; No Prosper or bank guarantee. Prosper does not verify all information provided by borrowers in listings. Investors should review the prospectus before investing.

*Seasoned Return calculations represent historical performance data for the Borrower Payment Dependent Notes (”Notes”) issued and sold by Prosper since July 15, 2009. To be included in the calculations, Notes must be associated with a borrower loan originated more than 10 months ago; this calculation uses loans originated through May 31, 2012. Our research shows that Prosper Note returns historically have shown increased stability after they’ve reached ten months of age. For that reason, we provide “Seasoned Returns”, defined as the Return for Notes aged 10 months or more.

To calculate the Return, all payments received on borrower loans, net of principal repayment, credit losses, and servicing costs for such loans, are aggregated and then divided by the average daily amount of aggregate outstanding principal. To annualize this cumulative return, it is divided by the dollar-weighted average age of the loans in days and then multiplied by 365.

All calculations were made as of September 30th, 2013. Seasoned Return is not necessarily indicative of the future performance on any Notes.





Tags : , , , , , ,

RBC Visa Gift Cards – RBC Royal Bank #visa #gift #card #cards, #purchase #buy

#

RBC Visa Gift Cards

Effective October 1, 2016, RBC Visa Gift Cards will no longer be available for purchase at RBC Royal Bank branches. If you have an RBC Visa Gift Card with funds remaining on the card, continue to use it until the balance reaches $0.Should there be funds remaining on your card after the expiry date found on the front of your card, please call 1-866-466-8079 to request a new card and to have the remaining balance carried forward. Remember to register your card at www.myrbccardbalance.com . Your card will need to be registered for most online purchases and must be registered in order for it to be replaced if it’s lost or stolen.

RBC Visa Prepaid Card – Important Information

If you have redeemed your RBC Rewards points for RBC Visa Prepaid Cards.

Please be advised that effective May 1, 2014. funds on certain RBC Visa Prepaid Cards no longer expire. If your RBC Visa Prepaid Card has an expiry date between May 2014 (05/14) and May 2015 (05/15) and was acquired by redeeming RBC Rewards points, any expiry fees are waived. If your card has expired, call 1-855-228-8885 to request that a new card be issued with the remaining balance carried over. For more information, refer to the agreement .

If you have an RBC Visa Prepaid Card beginning with the numbers 451017.

Effective May 1, 2014. the funds on RBC Visa Prepaid Cards starting with the numbers 451017 do not expire. If you have a card beginning with the numbers 451017 and has an expiry date of May 2014 (05/14) or later call 1-855-228-8885 to request a new card be issued with the remaining balance carried over at no additional charge. For more information, refer to the agreement .

If you have an RBC Visa Prepaid Card issued to you by the Red Cross from the flooding in Alberta last summer.

Please be advised that due to new Federal regulations, the funds on your card will no longer expire. Your card will continue to have an expiry date, because merchants must have an expiry date to process your transactions. We recommend that you use all the funds on your card prior to the expiry date displayed on the front of the card. However, if you choose not to do so, you may order a replacement card after the expiry date, subject to the applicable fees as set out in your agreement. Effective September 15, 2014 a new fee of $1.95 per month will be charged after 12 consecutive months of inactivity. For more information, refer to your agreement .

If you have an RBC Visa Prepaid Card issued to you by Baya Health.

Please be advised that due to new Federal regulations, the funds on your card will no longer expire. Your card will continue to have an expiry date, because merchants must have an expiry date to process your transactions. We recommend that you use all the funds on your card prior to the expiry date displayed on the front of the card. However, if you choose not to do so, you may order a replacement card after the expiry date, subject to the applicable fees as set out in your agreement .

If you have an RBC Visa Prepaid Card issued to you by Prairie Mines.

Please be advised that due to new Federal regulations, the funds on your card will no longer expire. Your card will continue to have an expiry date, because merchants must have an expiry date to process your transactions. We recommend that you use all the funds on your card prior to the expiry date displayed on the front of the card. However, if you choose not to do so, you may order a replacement card after the expiry date due to the subject fees in your agreement. Effective July 1, 2014. a new fee of $1.95 per month will be charged after 12 consecutive months of inactivity. For more information, refer to your agreement .

If you have an RBC Visa Prepaid Card issued to you by Sherritt Coal/Westmoreland Coal.

Please be advised that due to new Federal regulations, the funds on your card will no longer expire. Your card will continue to have an expiry date, because merchants must have an expiry date to process your transactions. We recommend that you use all the funds on your card prior to the expiry date displayed on the front of the card. However, if you choose not to do so, you may order a replacement card after the expiry date due to the subject fees in your agreement. Effective October 15, 2014. a new fee of $1.95 per month will be charged after 12 consecutive months of inactivity. For more information, refer to your agreement .

If you have an RBC Visa Gift Card that was purchased in an RBC Royal Bank Branch.

Effective November 1, 2012. the funds loaded to RBC Visa Gift Cards do not expire. If you have a card that starts with the numbers 451016 and has an expiry date of November 2012 (11/12) or later, it is eligible to have funds carried forward to a new card after expiry. Call 1-866-466-8079 to find out how to have a new card issued with the remaining balance carried over at no additional charge. For more information, refer to the agreement .

RBC Visa Commercial Prepaid Cards





Tags : , , , , , , , , , , ,

Credit Cards – Compare Best Card Offers & Apply Online #get #a #credit #cards,

#

Compare partner credit card offers from our most
popular categories

How to choose a credit card

When looking to get a credit card, there are a variety of things you should consider. If you want a rewards card to use frequently, you might not mind paying a $100 or $200 annual fee. You should also consider the regular APR (as opposed to the introductory rate) and the interest rate. A good interest rate is dependent on how you will use the card. For example, a 20% interest rate is fine if you plan on paying off the balance every month.

It pays to ask these kinds of questions before you fill out the application form. Here are 9 questions you want answered before you sign on the dotted line.

The “very first question” the consumer should ask is, “Why am I applying for this card? Why do I need this card?” says Bruce McClary, media director for ClearPoint Credit Counseling Solutions, a nonprofit affiliated with the National Foundation for Credit Counseling

Some positive reasons: The card has low or no fees, a lower interest rate or offers a rewards program that suits your spending habits. “It has to make sense, and it has to fit into your overall lifestyle,” McClary says.

Do you pay off your credit card balances every month? If so, “you don’t care what the interest rate is because you won’t pay any,” says Ric Edelman, author of “The Truth About Money.” “But you care about the (annual) fee,” he says.

If you run a balance, you want the lowest rate you can get, even if that comes with an annual fee.
One clue to your usage: “Look at your past history,” says Edelman. “Because what you’ve done before is what you will be doing.”

If you’re shopping for a card, chances are you’re comparing card terms. But if an issuer sends you an offer, it’s tempting to apply and see what you get.

“It’s really difficult to pick one (in isolation),” says Kelly Rogers, chief development officer for the Consumer Credit Counseling Service of Orange County and adjunct faculty at Chapman University. “If someone just shows you one car, how do you know if it’s the right car for you?”

Her advice: Do a side-by-side comparison of several different cards before you apply.

Don’t be afraid to plug the card name, “complaints” and “customer service” into your favorite search engine. “I go through and see who has the least amount of complaints and issues,” says Rogers.

Some cards will give you a range of rates you could get, but often that window is pretty wide, says Nick Bourke, director of the Safe Credit Card Project at The Pew Charitable Trusts. Other cards may offer a specific rate (or terms) and either approve or reject you.

If you’re operating totally in the dark, you have another option: Apply by phone and push for an answer on your rate and credit line before the account is opened.

While there are no guarantees, sometimes you can get an answer, says Bourke.
“I’ve actually done this myself,” he says, admitting “you do have to go pretty far in the process.”
You may have to ask for the department that’s actually evaluating your application to get an answer, he says.

“The thing that you want to do is when you’re talking to the person on the phone taking your application is you want to push them as hard as you can to get your APR and credit line,” Bourke says. Then, once you have the information and before the account is opened in your name, “you can say yes or no at that point,” he says.

According to the Credit Card Accountability, Responsibility and Disclosure Act of 2009, if a card offers a lower interest rate during an introductory period, the promotional rate has to last at least six months. While that introductory offer may be appealing, the regular rate is what you’re really buying.

So find out when the introductory APR expires and what the new rate will be. You can find this information online in the terms and conditions for the card or you can ask a service representative.

Another smart question: How long is that grace period? “Some cards start charging interest immediately,” says Edelman. A card can have different grace periods for balance transfers and cash advances than it does for purchases.

You can find information about the grace period in the credit card offer, thanks to federal rules that took effect in 2010. Look for a summary table of rate and fee disclosures, which will include a statement that explains how to avoid paying interest.

If you’re getting the card for points or rewards, this is one you definitely need to ask, says Josh Frank, senior researcher with the Center for Responsible Lending. Some issuers will revoke rewards if you’re late with a payment by even one day, he says.

“A lot of times, the answer they will give you is that they can take away or reduce your rewards for any reason,” he says. While that’s true, the issuer will have a policy on revoking or reducing points, and that’s what you want to ask about, he says. Under what specific circumstances would they reduce or eliminate a customer’s points?

In most cases, “this is one the customer service agent should know the answer to,” he says.

Some card issuers use your purchase records to assess your ongoing creditworthiness.

That means if you suddenly use your card to purchase retread tires, pay for a session with a marriage counselor or make a purchase at a market on a sketchy side of town, you could see your APR climb or your credit limit fall, says Frank. If you see this practice as an invasion of privacy, ask beforehand if the issuer does this, he says.

How to phrase it: Can my transactions ever be used in rating my credit risk?

And that’s one question the customer service representative “might not know the answer to,” says Frank. “You might want to ask them to transfer you to the credit department manager.”

If you are guaranteeing a card account by co-signing for a college student, ask if you will be on the hook for the debt after the other party turns 21, says Chi Chi Wu, staff attorney for the National Consumer Law Center.

Many times, “there is nothing to prevent the issuers from saying you’re going to be guaranteeing this card 15 years from now — long after junior is out of college,” she says.

In addition, find out exactly what has to be done to get you off the account. Are you free to complete those steps yourself? Or will you need the cooperation of someone who might not want you — and those charging privileges — to go away?

Federal regulations limit your liability for unauthorized credit card charges to $50 if you report it within two business days. The longer you wait, the more you may lose. Many issuers cap losses at zero dollars, provided you follow a few rules. So find out how the card would handle charges you didn’t make, says McClary.

Also, does the issuer monitor usage and shut down the card if it sees out-of-the-ordinary charges or spending locations? That feature can be great if you always use the card for the same types of purchases in the same geographic area, but cumbersome if you’re getting the card for travel.

While it sounds counterproductive, you want to ask some detailed questions on how the issuer will treat you if you run into financial problems, says McClary.

Will you lose points or benefits? Will you be hit with late fees or a penalty rate? Ask what those penalties are or look online at the terms and conditions for the card.

Some issuers have programs to slash interest temporarily for customers who get behind, he says. Others don’t. So find out ahead of time what kind of programs the issuer offers that will help you rehabilitate your account and restore your original terms, McClary says.

Ask about the “worst case scenario,” he says. “When do they consider an account to be charged off? And when do they send an account to a collection agency?”

“It may be a little tough to get a hold of that information because it might not be readily available at the customer service level,” says McClary. “You may have to punch it up a level.”

Bankrate’s best credit cards





Tags : , , , , , , , , , , ,

Free Tarot Card Readings #card,cards,course,free,learn,meaning,meanings,online,reading,readings,taro,tarot,tarro,tarrot,free #tarot #readings

#

Free Tarot
Readings

Get a Free Online
Tarot Reading

I just wanted to say thank you for your site. I have been going through a terrible time and your readings have really helped me. This website will never leave my favorites!

This is my first day as a member, I Love it, its the best site I have experienced. I don’t know how you do it. Bang on, with everything.

You said it was free and it was – no gimmicks, no catches, no BS. I’m still in shock! Thanks again for being possibly the only genuine site in the web universe!

This site has helped me to make the right decisions in my love life. It’s the first site I’ve visited that actually had any bearing on reality! Bless your heart, keep up the good work!

Oh my GOSH! these are great readings – I can’t believe a computer generated reading could be so right on! Just what I needed at this time in my life journey. Thanks so much!

Live Readings

Live Chat and
Phone Readings

She doesn’t give feel good readings, she gives truthful predictions based on her experience and intuition. Her predictions have always been on point.

Thank you so much! That’s exactly what I needed to hear, and your love and support made me feel safe and I will definitely be back.

She was very, very accurate and on point on everything. even the littlest things about my work enviroment and the people that I work with. I am truly amazed!

She told me things that she couldn’t have known. She saw the future and was SO compassionate, kind. Fast typer too! Thank you for your love and kindness

I could never really believe tarot could be so accurate and know my deepest held feelings or what I was really thinking or going through. Truly inspired.

Tarot Readings Free Your Mind!

A Tarot Card Reading can help guide you through your troubled emotions and clouded thoughts, by offering a reflection of your past, present and possible future and showing you a fresh perspective on your life.

For many, the most distressing times are those when we are confused about how we feel or unsure of what decisions or choices we should make, and in such times it can really help to receive some guidance – whether that be consulting our love tarot or a good all-round Celtic Cross.

When you have clarity of mind you feel more relaxed, and decisions and choices can be made more easily. Consulting the cards may help you to get in touch with your intuition, your best guide when it comes to making those difficult choices and decisions.

You may not always get the opportunity to physically sit down with someone who is skilled in the art of reading the cards, or perhaps afford to pay for regular readings, so here at Lotus Tarot we aim to provide you with a little guidance and easy and convenient access to information. Hopefully, this will bring you some pleasure, as well as insights and hope for the future.

We will obviously charge for some of our services, but we are committed to always offering absolutely free tarot readings.

By the way, we choose to spell t-a-r-o-t like this, but you may see it spelt tarrot, taro or tarro elsewhere.





Tags : , , , , , , , , , , , , ,

Personal business cards & contact cards #small #business #consulting

#personal business cards

#

Only one promotion code can be used per order. Savings will be reflected in your basket. Discounts cannot be applied to shipping, taxes, design services, previous purchases or products on the Vistaprint Promotional Products site, unless otherwise specified. Discount prices on digital products are valid for initial billing cycle only. Additional charges may apply for shipping and upgrades unless otherwise specified. Free Offers only valid on the lowest quantity of each product and not valid on more than 2 items per order.

Promo code has been applied:

Enter your TV/Radio code or another promo code: Have a different promo code?

Only one code may be used per order.

Have a promo code.

Promo code has been applied

Have a different promo code.

Personal Business Cards

50 Starting at £5.99

Create a personalised contact card which reflects your identity

  • Lots of customisation options for a card that really suits you
  • Attract attention with our promotional products.
  • Full colour printing on quality card stock

Pricing Product Specs





Tags : , ,

Best Balance Transfer Cards* – 0% up to 24 months #credit #cards #with #free

#

Best Balance Transfer Rates* 0% Interest Credit Cards

Do you have existing credit card debt? Get 0% interest for up to 24 months and save money with balance transfer credit cards.

Interest-free balance transfer credit cards allow you to transfer your existing credit card debt to a new credit card and pay 0% interest for a specified promotional period. Balance transfer credit cards with competitive 0% interest rates can help you clear your debt faster and minimise your interest costs.

Compare balance transfer offers here and pay less interest on your credit card debt today.

St.George Credit Card Offer

A platinum card from St.George which lets you enjoy a long-term balance transfer offer and a low ongoing interest rate of 12.74% p.a. on purchases.

  • $99 p.a. annual fee
  • 12.74% p.a. on purchases
  • 0% p.a. for 20 months on balance transfers
  • Cash Advance Rate of 21.49% p.a.
  • Up to 55 days interest free

0% Balance Transfer Credit Cards Comparison

How does an interest-free balance transfer work?

Balance transfer credit cards let you transfer your credit card debt to a new credit card with a lower interest rate. Many balance transfer credit cards come with 0% interest for a promotional period. Depending on the size of your debt and your ability to repay, this can help you save hundreds or thousands of dollars in interest.

You can usually request a balance transfer during the online application. After your application has been approved and you have activated your credit card, your new bank will initiate the balance transfer process by requesting the outstanding amount from your old bank. This process usually takes one or two weeks. It’s important to note that the 0% promotional period usually applies as soon as your card is activated.

How to find a 0% balance transfer credit card for your needs

As many credit cards offer a 0% promotional interest rate for a balance transfer, you can also compare your options based on the length of the balance transfer period and whether you can repay the entire debt in that time. The following factors could help you narrow down your balance transfer comparison:

  • How long you need to repay your existing credit card debt. The length of the balance transfer offer can vary from card to card, but some cards offer 0% from 6 months to 24 months. The longer the promotional period, the more time you’ll have to take advantage of the interest-free offer.
  • Know which banks you can transfer to. You can’t conduct a balance transfer between cards that are issued by the same organisation. This often includes cards that are issued by separate banks but owned by the same institution. You can compare the cards you can and can’t transfer between with this guide .
  • Compare the fees. While you may save on interest, it’s important to compare the other fees of the card. Some cards charge a balance transfer fee which can be between 2%-3% of the balance you’re transferring. Some balance transfer credit cards also come with annual fees. You can compare cards balance transfer credit cards with no annual fee here. It’s important to ensure that any fees you have to pay won’t outweigh the interest you save with the 0% offer.
  • Extra features. Credit cards can provide a range of extra perks and benefits, including frequent flyer points per $1 spent, complimentary travel insurance and rewards programs. If you’re concentrating on repaying your debt and not using your card to make purchases, you might not make full use of some of these features.

Julie’s balance transfer

Julie is a stay-at-home mum with two kids in primary school. The kids have grown out of last year’s shoes and clothes, so Julie needs to buy the kids new uniforms before school goes back. She puts this spend on her credit card which takes the balance up to $3,500. The card she is using is currently using has an interest rate of 20.99%. To save on interest costs, she transfers the total balance to a card with 0% on balance transfers for 12 months and no annual fee.

By transferring her balance and repaying the entire debt within the promotional period, she will save $684.21 in interest which she can now put away for next year’s school supplies.

Things to avoid with balance transfer credit cards

While a balance transfer credit card comes with many benefits, here are a few traps you should look out for:

  • Don’t balance transfer too often. As each credit inquiry and application is recorded on your credit file, frequent applications may result in your next request being rejected. To demonstrate responsible financial habits, you should leave at least six months between applications.
  • Only paying the minimum repayment. While you’re required to meet the minimum repayment (which is usually between 2% and 10% of your total balance) each statement period, it’s wise to pay as much as you can each month. If you want to pay your entire balance before the promotional offer ends, divide the amount you’re transferring by the number of months in the introductory period. This will help you determine exactly how much you need to repay each statement period to ensure you clear the entire debt before the revert rate applies.
  • Don’t forget the offer end date. Once the promotional period ends, any remaining balances will collect the revert rate (which is usually the standard purchase or cash advance rate). If you want to avoid collecting interest, set a calendar reminder for the end of the promotional period and do your best to repay the entire debt before this date.
  • Using your balance transfer credit card for purchases. If you want to concentrate on repaying your debt, you shouldn’t use your balance transfer credit card to make purchases. Unless the card has a 0% offer on both balance transfers and purchases, your repayments will automatically go to the purchases as they’ll be accruing a higher interest rate. It’s also important to note that interest-free days don’t apply on purchases if you’re also paying off a balance transfer.

Discover how much interest you could save with the balance transfer calculator

Step 1. Enter the total debt/outstanding amount you would like to transfer.
Step 2. Provide the interest rate that you are paying on your existing debt (if you don’t have your interest rate on you, the average is around 18-20%).
Step 3. See the ‘Interest Saved’ column to find out which credit cards will save you the most money. Click on the ‘Interest Saved’ title to sort the cards in ascending or descending order of money saved.
Step 4. Compare the credit cards available in the table provided to find the card that suits your needs. If you still want to find out more about a particular credit card, click the ‘More info’ link for a full review on the features and benefits.

Frequently asked questions about 0% balance transfers

When should I utilise a balance transfer?

If you’re struggling to repay a high-interest debt, a balance transfer credit card could help you save on interest costs and get your debt in control. However, it’s important to ensure that you meet all of the eligibility requirements before you apply. Otherwise, a rejected application could put further negative marks on your credit history.

Are there any other options for repaying my debt?

Are balance transfers suited to everyone?

Balance transfers aren’t suited to everyone and there are different balance transfer offers that work better for different applicants. Comparing your balance transfer and debt consolidation options based on your specific needs can help you find the best alternative for you.

Do I have to pay a balance transfer fee?

Some credit cards do charge a balance transfer credit card fee of between 2% to 3% of your balance. Some cards don’t charge balance transfer fees, though. You can use the comparison tables and reviews on finder to confirm whether a card charges a balance transfer fee.

What’s the maximum I can balance transfer?

Maximum balance transfer limits can vary between 70% to 100% of the approved credit limit depending on the card. You can use the product reviews on finder to confirm the maximum you can transfer to a particular balance transfer credit card.

What happens to my old credit card when I’ve completed the balance transfer?

Your old credit card will remain active even when your balance has been transferred. You can either continue using it or request your bank to cancel the card. If you do wish to cancel the credit card, you will need to contact the bank to do so.





Tags : , , , , ,

100 (Really) Creative Business Cards #get #a #business #loan

#creative business cards

#

100 (Really) Creative Business Cards

Whichever business you re in, and especially for anyone in the field of design, such as web designers, a business card can be as important as your website identity.

A business card creates a physical connection and bond between you or your business and your customers.

Just like in a website, business cards can become great interactive elements, but with the added ability to have real textures, different materials and shapes.

In this article, we ll take a look at 100 truly outstanding business card designs which show that there are truly no limits to the design of a business card.

Which ones are your favorites? How important is a business card for you? Please share your comments with us

By Walter Apai

Walter Apai is a web designer from Vancouver, Canada who runs and owns the popular WebdesignerDepot.com blogs. He’s also a successful business entrepreneur running multiple websites and businesses. More articles by Walter Apai





Tags : , , , ,

Credit Cards – Compare Best Card Offers & Apply Online #which #business #credit #card

#

Compare partner credit card offers from our most
popular categories

How to choose a credit card

When looking to get a credit card, there are a variety of things you should consider. If you want a rewards card to use frequently, you might not mind paying a $100 or $200 annual fee. You should also consider the regular APR (as opposed to the introductory rate) and the interest rate. A good interest rate is dependent on how you will use the card. For example, a 20% interest rate is fine if you plan on paying off the balance every month.

It pays to ask these kinds of questions before you fill out the application form. Here are 9 questions you want answered before you sign on the dotted line.

The “very first question” the consumer should ask is, “Why am I applying for this card? Why do I need this card?” says Bruce McClary, media director for ClearPoint Credit Counseling Solutions, a nonprofit affiliated with the National Foundation for Credit Counseling

Some positive reasons: The card has low or no fees, a lower interest rate or offers a rewards program that suits your spending habits. “It has to make sense, and it has to fit into your overall lifestyle,” McClary says.

Do you pay off your credit card balances every month? If so, “you don’t care what the interest rate is because you won’t pay any,” says Ric Edelman, author of “The Truth About Money.” “But you care about the (annual) fee,” he says.

If you run a balance, you want the lowest rate you can get, even if that comes with an annual fee.
One clue to your usage: “Look at your past history,” says Edelman. “Because what you’ve done before is what you will be doing.”

If you’re shopping for a card, chances are you’re comparing card terms. But if an issuer sends you an offer, it’s tempting to apply and see what you get.

“It’s really difficult to pick one (in isolation),” says Kelly Rogers, chief development officer for the Consumer Credit Counseling Service of Orange County and adjunct faculty at Chapman University. “If someone just shows you one car, how do you know if it’s the right car for you?”

Her advice: Do a side-by-side comparison of several different cards before you apply.

Don’t be afraid to plug the card name, “complaints” and “customer service” into your favorite search engine. “I go through and see who has the least amount of complaints and issues,” says Rogers.

Some cards will give you a range of rates you could get, but often that window is pretty wide, says Nick Bourke, director of the Safe Credit Card Project at The Pew Charitable Trusts. Other cards may offer a specific rate (or terms) and either approve or reject you.

If you’re operating totally in the dark, you have another option: Apply by phone and push for an answer on your rate and credit line before the account is opened.

While there are no guarantees, sometimes you can get an answer, says Bourke.
“I’ve actually done this myself,” he says, admitting “you do have to go pretty far in the process.”
You may have to ask for the department that’s actually evaluating your application to get an answer, he says.

“The thing that you want to do is when you’re talking to the person on the phone taking your application is you want to push them as hard as you can to get your APR and credit line,” Bourke says. Then, once you have the information and before the account is opened in your name, “you can say yes or no at that point,” he says.

According to the Credit Card Accountability, Responsibility and Disclosure Act of 2009, if a card offers a lower interest rate during an introductory period, the promotional rate has to last at least six months. While that introductory offer may be appealing, the regular rate is what you’re really buying.

So find out when the introductory APR expires and what the new rate will be. You can find this information online in the terms and conditions for the card or you can ask a service representative.

Another smart question: How long is that grace period? “Some cards start charging interest immediately,” says Edelman. A card can have different grace periods for balance transfers and cash advances than it does for purchases.

You can find information about the grace period in the credit card offer, thanks to federal rules that took effect in 2010. Look for a summary table of rate and fee disclosures, which will include a statement that explains how to avoid paying interest.

If you’re getting the card for points or rewards, this is one you definitely need to ask, says Josh Frank, senior researcher with the Center for Responsible Lending. Some issuers will revoke rewards if you’re late with a payment by even one day, he says.

“A lot of times, the answer they will give you is that they can take away or reduce your rewards for any reason,” he says. While that’s true, the issuer will have a policy on revoking or reducing points, and that’s what you want to ask about, he says. Under what specific circumstances would they reduce or eliminate a customer’s points?

In most cases, “this is one the customer service agent should know the answer to,” he says.

Some card issuers use your purchase records to assess your ongoing creditworthiness.

That means if you suddenly use your card to purchase retread tires, pay for a session with a marriage counselor or make a purchase at a market on a sketchy side of town, you could see your APR climb or your credit limit fall, says Frank. If you see this practice as an invasion of privacy, ask beforehand if the issuer does this, he says.

How to phrase it: Can my transactions ever be used in rating my credit risk?

And that’s one question the customer service representative “might not know the answer to,” says Frank. “You might want to ask them to transfer you to the credit department manager.”

If you are guaranteeing a card account by co-signing for a college student, ask if you will be on the hook for the debt after the other party turns 21, says Chi Chi Wu, staff attorney for the National Consumer Law Center.

Many times, “there is nothing to prevent the issuers from saying you’re going to be guaranteeing this card 15 years from now — long after junior is out of college,” she says.

In addition, find out exactly what has to be done to get you off the account. Are you free to complete those steps yourself? Or will you need the cooperation of someone who might not want you — and those charging privileges — to go away?

Federal regulations limit your liability for unauthorized credit card charges to $50 if you report it within two business days. The longer you wait, the more you may lose. Many issuers cap losses at zero dollars, provided you follow a few rules. So find out how the card would handle charges you didn’t make, says McClary.

Also, does the issuer monitor usage and shut down the card if it sees out-of-the-ordinary charges or spending locations? That feature can be great if you always use the card for the same types of purchases in the same geographic area, but cumbersome if you’re getting the card for travel.

While it sounds counterproductive, you want to ask some detailed questions on how the issuer will treat you if you run into financial problems, says McClary.

Will you lose points or benefits? Will you be hit with late fees or a penalty rate? Ask what those penalties are or look online at the terms and conditions for the card.

Some issuers have programs to slash interest temporarily for customers who get behind, he says. Others don’t. So find out ahead of time what kind of programs the issuer offers that will help you rehabilitate your account and restore your original terms, McClary says.

Ask about the “worst case scenario,” he says. “When do they consider an account to be charged off? And when do they send an account to a collection agency?”

“It may be a little tough to get a hold of that information because it might not be readily available at the customer service level,” says McClary. “You may have to punch it up a level.”

Bankrate’s best credit cards





Tags : , , , , , , , , , , , , ,