Is The American Express® Platinum Card Right For You?

The American Express Platinum Card is still the gold standard in American credit cards. Not only is this card a symbol of wealth and the good life it comes with some really great benefits and features.

A big reason why American Express is still so popular is the customer service that it offers with its cards. A really nice feature on the current generation of the Platinum card is the ability to manage the card online. A person can now manage the card from a mobile phone or PDA.

The management options include an automatic bill pay feature, payment tracking and viewing of the bill anytime anywhere. It all seems pretty standard but it still sounds good.

Benefits
As to be expected the benefits from the American Express Platinum Card are second to none. The Platinum Travel Service helps people book hotel rooms and vacation packages.

The Airport Club Access program gives Platinum Card holders access to private lounges in airports around the world. These are the modern equivalent of the old airport lounges run by airlines at airports. The Airport Club is a private lounge where passengers can wait for their flights and enjoy drinks and food.

A Platinum Card holder can also earn points to save money on stays at select luxury hotels and resorts around the world. Platinum Card holders can also save money on business and first class tickets on certain airlines and up to $400 on select cruise ship vacations.

By far the best and most unique benefit with the Platinum Card is the Platinum Concierge. This is an online or phone customer service program that helps cardholders with any questions or problems. A wide variety of other perks including restaurant reservations are also available.

The truth is that the American Express Platinum Cards benefit package simply can’t be beat. This would be a great card for people who travel a lot because of all the perks associated with it. A really unique benefit with this card is $500,000 worth of traveler’s insurance for all holders.

High Cost
Not surprisingly the biggest drawback to the American Express Platinum Card is the high cost associated with it. The annual membership fee alone will cost you $450. This means it costs $450 a year just to have the American Express Platinum Card in your pocket.

The late payment fee associated with the American Express Platinum Card is also pretty steep. The penalty fee for a late payment is $35 per late payment or 2.99% of the past due amount whichever is higher. That means it definitely pays to pay your American Express bill on time.

The returned payment fee is also pretty steep at $38 per returned payment. This means that it will cost you to own this card.

The interest rate on the American Express Platinum Card is also very steep its 30% if you don’t pay the interest in full every month. This means that this card definitely one for persons who will pay the charges off every month.

The American Express Platinum Card is a fantastic credit card but only for those who can afford it. If you can’t afford to pay the charges off every month don’t get the American Express Platinum Card.

You can search, compare and apply for  more American Express credit card offers at ApplyForCreditInstantly.com

Easy Approval Orchard Bank® Classic MasterCards

The Orchard Bank® Classic MasterCard is a really good basic credit card for the average person. In particular it’s a good credit card for those with bad credit or poor, low income persons and individuals going through financial difficulty.

A big plus to this credit card is that it reports to the big three credit bureaus. That means if you pay your credit card bills on time every month and don’t go over your limit your credit score could go up.

The biggest advantage to the Orchard Bank® Classic MasterCards is that it has very good interest rates and very reasonable fees. Unlike a lot of the Credit cards aimed at lower income people this card actually comes with a decent APR and fees the average person can pay. Unlike a lot of the credit card deals for persons with poor credit, Orchard Bank® Classic MasterCard won’t hit you with processing and other fees.

Interest Rates
The Orchard Bank® Classic MasterCard comes with a really good APR interest rate. The variable APR on purchases ranges from 14.9% to 28.9% which means that it can be either good or bad. This rate is based on a wide variety of factors including income and credit history. Those with a higher income or a better credit history will probably pay a better interest rate.

The balance transfer rate is basically the same as the APR ranging from 14.9% to 28.9%. This means that the balance transfer rate will be the same as your purchase rate. The cash advance rate will usually be 20.9% which is actually pretty good. The balance transfer and cash advance fee will be $5 or 5% whichever is higher.

There is also a penalty APR interest rate of 29.49% and a standard foreign transaction rate of 3% for purchases made in foreign currencies.

Fees
Like the interest rates the annual fees will vary for card purchasers. The standard annual fee for a card will be between $35 to $74 in the first year and $39 to $79 in later years. As with the interest rates the fees will be based upon a person’s credit record, income and other factors.

Orchard Bank® does charge processing fees for some applicants. The processing fee is based on creditworthiness and can be up to $39. Most applicants shouldn’t have to pay a processing fee.

Orchard Bank® Classic MasterCard Advantages
The Orchard Bank® Classic MasterCard would be a good basic credit card for the average person especially a person who has a spotty credit history. People who have had a hard time getting credit cards because of job loss or other problems could be well served by getting this card.
It’d be a great credit card to use as an emergency backup credit card and to rebuild your credit history because it does report to the major credit bureaus. It would also be a good credit card for a person who is just starting out or getting their first credit card.

Those looking for a lot of perks or fancy rewards programs should probably look elsewhere.

Provided by FreeCreditAdvice.info

Click on the Orchard Bank® Classic MasterCard below to learn about all the features and benefits this credit card has to offer.

To find more of the latest credit card offers available online, click HERE to search and compare 100’s of great deals available right online.  Whether you are looking for a particular credit card, personal, home or auto loan…ApplyForCreditInstantly.com will have a solution for you.

Restore Your Credit with Orchard Bank® Visa® Cards

This is a credit card for those who are looking for a basic credit card to make everyday purchases with. It’s also a really good card for ordinary people because it is so basic and easy to use.

The best thing about the Orchard Bank® Visa® Card is that it is accepted almost everywhere. Another good thing about this card is that it is basically just a credit card there will be no rebate programs to figure out. Instead it provides basic credit card services for the average consumer.

Orchard Bank® Visa® Cards are available in Platinum, Gold, standard and Secured varieties. The Gold and Platinum Cards appear to be a slightly better deal for the average person because they can sometimes come with a lower APR.

Poor Balance Transfer Deal
One drawback to this card is that it doesn’t really save you anything to transfer a balance to this card. The balance transfer rate is 7.5% to 28.9% which is the same as the rate for the regular APR.

The Orchard Bank® Visa® Card also charges a balance transfer fee of 5% or $5 whichever is cheaper on top of the interest. A person who transfers a balance to this card probably won’t save any money. That means you should look elsewhere if you want to transfer a balance.

Annual Fee
There is no set annual fee for the Orchard Bank® Visa® Card which can be either good or bad. Instead Orchard Charges a variable rate of between $35 and $79 a year depending on the card you get. The annual fee will be waived with the secured cards.

APR
Interestingly enough the introductory APR for Orchard Bank® Visa® Card isn’t listed on the card’s website. Instead the purchase APR is listed for the various cards.

The APR for the standard card is pretty high at 28.9% but the Gold and Platinum Cards can be a good deal. They feature an APR of 14.90-28.90%. The reason for this variance is not made clear, but the lower APR is a pretty good deal.

The secured Orchard Bank® Visa® Card comes with an APR of 7.9% but a person will have to put up a $200 minimum security deposit to get it. Secured cards are credit cards that require a person to get a security deposit in order to get a card.

Cash Advances
One reason why some people like Orchard Bank® Visa® Cards is that they are pretty generous with the cash advances. Interestingly enough the cash advance APR is often lower than the purchase APR. The standard cash APR right now is 20.9% which is a pretty good deal for a cash advance. Orchard Bank® will charge a $5 fee every time somebody gets a cash advance.

There will also be a 3% foreign transaction fee charged if you use your Orchard Bank® Visa® Card outside the US. Orchard Bank® also charges a pretty hefty penalty fee for late payments namely 29.49%

The Orchard Bank® Visa® Card would be a good emergency or back up card for the average person. It wouldn’t be a good card for somebody to use everyday.

Article provided by Free Credit Advice.

Click on the Orchard Bank® Visa® Card below to see complete details on what this credit has to offer you.

If your credit score is suffering and you’ve been searching for the right credit card offer…there are still options to getting approved for a new credit card.  Click HERE to search, compare and apply for ‘Bad Credit Credit Cards’.  All applications are quick, easy , secure, and approved almost instantly!

Discover® Student Credit Cards: Fast Online Approval

Discover Student credit card provides students easy access to credit. The applicant/student is not required to have excellent or even average credit to qualify. Discover will carefully review applications from all applicants including those students who have yet to establish their credit score. Even with bad credit, an application still maintains a reasonable chance of receiving a positive response. Credit lines, purchase APR, and a few card features are dependent on credit worthiness.

Consumers are encouraged to choose from over 150 special card designs. Successful applicants receive a copy of this card with a card agreement included. Card members should always go through the card agreement before using this card on a first purchase.

An introductory APR period applies towards purchases, and balance transfers. The intro period lasts throughout a mid term period. On expiry, purchase interest remains fixed and reasonably low. Card members do not incur an annual fee.

Complete fraud protection guarantees zero liability in event of unauthorized transactions. Online shopping is made more secure with special credit card account numbers generated on request.

Reminder emails are sent to help ensure card members avoid late payments. Access to the card account online puts the card member in control with budgeting and expenses tracking made easier.

Card members can participate in a cash back program. Purchases in an applicable category earn up to 5% cash back. Travel, gas, groceries and restaurants are amongst the categories rotated from optimum rewards. For items not included in the bonus offer, 1% cash back is awarded. Unlike some other student cards, this applies to virtually every purchase. Cash earned is good for rebate checks redeemable in $20 increments made payable to the card member, travel credit redeemable on a preferred destination with an airline of choice, and gift cards for free merchandise at reputable stores. Rebates earned do not expire and there’s no yearly limit applicable.

Purchasing from Shop Discover guarantees between 5% and 20% cash back bonus on select items.

Discover Student credit card is one of those few student cards designed to make life easier while teaching card members to incur less debt through timely payment.

Our top choices for Discover Student credit cards are shown below.  To find out more on the Discover Student credit card, click on a one of the cards below.

You can search, compare and apply for the best student credit card offers available at ApplyForCreditInstantly.com

Orchard Bank® MasterCard®

The Orchard Bank® MasterCard® is an excellent credit card choice for people looking to build their credit. As a cardmember, you’ll also enjoy acceptance at millions of locations worldwide, including website purchases and reservations; account information updated and at your fingertips 24/7; email and text messages to remind you of your upcoming payment due date with online enrollment. Get prequalified online in just 30 seconds!

*It is our goal to offer you the credit card that best fits your credit profile, which may or may not be the card you originally inquired about. You may be offered a secured card or an unsecured card, and with different terms and conditions which will be disclosed before your application is processed.

• An excellent credit card for rebuilding credit scores; reports to 3 major credit bureaus monthly!
• Acceptance at millions of locations worldwide, including website purchases and reservations
• Your account information is updated and at your fingertips 24/7 so you can manage it your way
• Email and text messages to remind you of your upcoming payment due date with online enrollment
• On-call customer service representatives to assist you with questions or concerns

Apply Now

Finding The Right Airline Rewards Credit Card

Travel has become an expensive proposition, especially if you are not earning future flying miles while airborne. Airline credit cards generally offer points per flight taken, bringing rewards as a byproduct of each trip. These points will earn the cardholder free stays at hotels, future flights, car rentals, as well as other desirable rewards. A few of the cards charge around twenty-five thousand points per flight so a comparison in airline miles should be considered when choosing a credit card.

Most times, you will receive flyer miles per trip taken, and some of these airline credit cards will offer a generous point total per flight.

Some people use cash to travel, however others prefer to use airline mile credit cards. The airline credit cards often have airline miles attached, which provides ongoing benefits. While the cards benefits vary, some provide categories that are major points to consider when selecting an airline credit cards, (i.e. while earning flights the person could choose from more than 200 airlines to fly from, by selecting the choice of airline). If you prefer to use a major airline, (i.e. an airline which you frequently fly) the cards often include features, such as earn x amount of points for each flight taken.

Airline credit cards are often referred to as mileage credit cards. The card enables you to earn points per dollar charged on the card then you can use the points toward a flight. Some cards offer more points than others do.

Checking out the marketplace for the bargains is ideal while considering airline miles credit cards. Once you select a card and accepted, as a cardholder you will discover that you earn points on the card. Be sure to take full advantage of discounts and free offers, since the points will expire on some credit cards.

Some of the disadvantages of airline credit cards are that the cards often have higher interest rates and annual fees attached. Most of the airline cards are for those that can handle paying off the monthly debts incurred on the cards, or for travelers that frequently take trips and utilize the credit cards as a means to manage and document purchases. Still, the rates are comparable in an online search. If you are considering an airline mile credit card, take time to research and compare the values, APR (Annual Percentage Rate), points available, and other services.

While traveling, the idea of the credit cards is to save money, so why not take the time to find the best rates and save even more cash while using your airline credit cards to earn points.

Some of the no-annual-rate cards include the Miles Card from Discover. This card offer no APR fees, and you will receive 5,000 miles once the initial purchase is charged to the card. Balance transfers are free for the first twelve months, and you will find an added benefit in earning a mile per dollar charged to your card.

The Value Miles Platinum Visa cards offer miles per dollar spent with no blackout dates. Fly on the major airlines and earn points while receiving assistance on travel. If you are in an emergency, this card offers emergency funding, and the rates per interest are attractively low.

Noting the two cards named in this article will help you to see the comparison. The Discover Card offers 5,000 points on the first debt incurred on the card, while the Visa Card does not. Now, how can we decide which card is more of an advantage? We can do this by contrasting and comparing airline credit cards. Check for the best rates online, since here you can compare at your own pace, finding multiple offerings and significant savings in fees and interest.

Provided by FreeCreditAdvice.info

If you’re looking for an one of the BEST Airline Rewards Credit Cards, look no further!  The Delta Reserve Card is top in its class.

Delta Reserve from American Express. Earn up to 10,000 Medallion® Qualification Miles (MQMs) after your first purchase. Get an annual companion certificate good for either First-Class or Coach-Class domestic travel. Apply today!

• Annual First-Class companion certificate, which can be used for a First-Class or Coach-Class ticket!
• Earn up to 10,000 Medallion® Qualification Miles (MQMs) after your first purchase
• Built-in Miles Boost^SM— earn up to 30,000 MQMs and 30,000 bonus miles
• Complimentary Crown Room Club® access for you and two guests
• Access to American Express® Concierge Services
• Pay with Miles— pay for all or part of any Delta flight with your miles

Student Credit Cards: Money Management Lessons

Student credit cards can be useful. As trite as that sounds, it’s the best way I can describe them, from very personal experiences. Allow me to tell you about a few things that happened to me in my freshman year, and shed some light on the foggy misconceptions of student credit.

I was not a privileged student as far as finances went. I was constantly searching for ways to acquire funds just to cover my tuition and book expenses. Other kids got to blow their parents money on liquor or ultra trendy/preppy frat apparel (pastel colored polo shirts and chino khakis galore, don’t forget your $80 sandals), while I scratched and clawed to just get to class. At one time I attempted to sustain myself by playing poker, but that proved to be a futile idea.

It got to the point that I had been kicked out of the university multiple times in both semesters of my first year. Ironically, each time I was only coming up about $300 short of payment, though that was enough for me to have to scramble for some new plan to save my credit hours. Of course, once I made payment and was re-admitted into school, I’d be hit with a $200 late registration fee, and the cycle would begin all over again.

While I was suffering, there was an easy solution directly in front of my face each time I passed my bank. A student credit card typically has a spending limit of about $500 - $1,000. It’s deliberately set low so students learn to spend sparingly, and banks are protected against witless college kids spending half of their cash reserve and then failing to make payment. However, my periodic bills of $200 and $300 would fit snugly under that limit, and even leave enough on top for me to have enjoyed a few small luxuries.

I walked past all the signs for student credit cards without even looking because I was raised with the stigma that many college kids have, that of the parentally-installed thinking that credit cards are bad news if you’re young. Potentially because so many parents have found themselves on the wrong side of the credit and interest equation, thereby believing their offspring will fall into the same trap.

I wish I hadn’t thought that. I could have been spared so much trouble - and so many late fees - if I’d just applied for a card.

Some student credit cards also require a co-signer. Banks do this as a safety net for themselves and the student, in the event the student can not make payment, and you can’t blame them for wanting to cover the symbolic rear-ends of all parties involved.

Students facing my former plight may fear the high interest rates student credit cards have compared to other cards. That’s entirely understandable, and credit cards shouldn’t be taken lightly. However if you’re responsible enough to handle the payments, you can build good credit early, which will give you endless advantages later in life.

You can search, compare and apply for the best student credit card offers available at ApplyForCreditInstantly.com

American Octane Onyx Card

The American Octane Onyx Card is a truly unique shopping card that offers cardholders benefits and features that cannot be found anywhere else. Unlike most cards out there, users do not have to pay an annual fee and they do not have to deal with APR. Instead of accumulating interest with every purchase you make like other cards, you can use your card and worry less about going further into debt.

Another unique feature of this card is that you do not have to have excellent credit in order to apply or be approved. Individuals with even the poorest credit are guaranteed 100% approval. Despite the one-time application and activation fee, cardholders cannot deny that paying 0% APR for the life of the card is the ultimate feature that makes the one-time fee look meaningless in addition to the guaranteed approval.

The American Octane Onyx Card also offers cardholders the benefit of 100% liability protection against unauthorized purchases made on the card. While many credit cards are beginning to offer this great feature, not all credit cards do. When you are not reliable for the unauthorized purchases made on your credit card, you can sleep better at night and love your credit card more.

Cardholders are also covered with fraud protection and have easy online access to their credit accounts whenever they want. You can keep track of your card and ensure that there are no unauthorized purchases being made on your card quick and easy.

Anyone can apply for this card and are guaranteed to be approved regardless of credit score or credit history. Once the card is active, there is a low monthly fee that must be paid to keep the card open and active. The credit limit of this card can range from a low amount to a higher amount depending on the information provided in the application.

The card also contains no hidden fees and a grace period for payments. Cardholders will only be charged a small late fee after the grace period has passed. This grace period gives users the opportunity to accumulate funds to make a payment or pay if they missed the day the payment was due. These are two other unique features that come with this card. If your search in the credit card market, these features will be nearly non-existent.

Apply for your new American Octane Onyx Card today!

Airline Miles Rewards Credit Cards

Air mile credit cards give you frequent flyer points or miles with every purchase you make, which you can redeem for travel and travel related expenses.  You can use your points or miles to get free airline tickets to travel all over the world.  Frequent flyers can use their earned miles or points to redeem your reward faster.

There are a lot of companies out there that offer air mile cards.  You can choose to get one online, through a bank, or even a credit card company.  Each one is unique, and offers it’s own unique set of award features.  Before you select your card, you should always look at different credit card companies and compare them.  Normally, you will get a point or mile for every dollar you spend.  You’ll also want to look at blackout dates as well, as many companies have decided to drop them and their expiration dates completely.

You will also want to find out what type of purchases you make with your card give you reward miles.  Some purchases that you make may not be included in your reward incentives, which is why you’ll want to find out what purchases are and aren’t included.  The bigger purchase items, such as televisions and furniture may have more miles included, which is why you’ll want to inquire.

Another area of importance is the interest rate.  You should look deeper into the air mile credit card that you are interested in and verify the interest rates and if there are any annual fees for being a card member.  Although your rewards may sound great, you don’t want to pay too much in fees or an annual rate just to receive the bonus benefits.

Even though they have been around for many years, air mile credit cards are very popular for those like to travel.  These cards can also help you with rental cars and hotel expenses as well, as long as you use the points you have accumulated by using your card.  The get the most out of an air mile credit card, you should use your card on a frequent basis.  You can really rack up the points if you purchase everything with your credit card - instead of using cash.

Air mile credit cards are great to have, as long as you don’t end up paying an arm and a leg in fees, and the annual rate is within reason.  If you check into what each company offers, you can normally get a great deal.  Also, make sure that find out what other rewards are included with the air mile credit card you get as well - as this can help you to make your decision when you finally decide to apply for your Air Miles credit card.

You can search, compare and apply for the best credit card offers available at ApplyForCreditInstantly.com.

Article provided by FreeCreditAdvice.info.

Below you will find FreeCreditAdvice.info’s recommendation for one of the best ‘Airline Reward Credit Cards’ available.

Secured Credit Cards: How Can They Work For You?

Tips & Advice on Secured Credit Cards

If you’ve been turned down for a credit card, a secured credit card may be the right product for you.

In today’s world, having a credit card is no longer a luxury, it’s a necessity. You need a credit card in order to rent a car, book a hotel room, online purchases, bill paying, and so much more. People without credit cards are locked out of the e-commerce revolution, since a credit card is needed to buy online. Most people can qualify for a traditional credit card, even if it is with a low credit limit and high interest rate. But what about the people who’ve made serious financial mistakes in the past? Are they doomed?  There are still options!

The Advantages of a Secured Credit Card

While it’s true that a debit card attached to your bank account can substitute for a credit card in most cases, the sad truth is that using a debit card doesn’t utilize credit - and therefore, it can’t help to improve your credit score. Since a debit card withdraws money from your checking or savings at the moment of purchase, there is no risk of you not paying, and because you’re using your own money, you aren’t showing future creditors that you can be trusted. In order to do that, you have to use other people’s money.

A secured credit card falls somewhere in between. In order to set up an account, you have to place funds in a certificate of deposit (CD). Your credit card is then secured by this CD, meaning that if you seriously default on your credit card bills, the secured credit card company can recoup its money by taking the CD.

The good news is that your CD earns interest. If you established a $2,500 secured credit card account, and you always paid your bills in full and on time, you would actually make money with your credit card, excluding any annual fees. The bad news is that some secured credit card companies report to the credit bureaus that your card is secured. By doing so, it makes the account seem less valid than an unsecured account, since there is ultimately very little risk to the card issuer. Because of this, look for a secured credit card company that offers both secured and unsecured cards, and make sure that they will not report your account as being secured.

Make Sure That You are Secure Too

Since credit constrained consumers are the target market for secured credit cards, there are plenty of unethical companies that seek to take advantage of their desperation. Unless your secured credit card is through a reputable, national institution that you’ve heard of and know well, you should probably contact the Better Business Bureau to verify that the company doesn’t have excessive complaints against it. Even the best companies, particularly larger ones, are sure to get a few complaints now and then, but if your company seems to have a slew of dissatisfied customers, look elsewhere. Thanks to the internet and web sites like this one, you have no shortage of options.

One of our favorite choices for a secured credit card is Public Savings Bank.

Public Savings Bank’s Secured Visa Highlights:

• Reports to all 3 Major Credit Bureaus
• 4 Ways to Fund Your Security Deposit No checking account required!
• No Annual Fees or Monthly Maintenance Fees
• Rush Shipping Available
• No Credit Check
• Choose your credit limit from $300 to $2000
• Accepted everywhere you see the Visa logo
• 0% APR on purchases for the first 6 months

To find out more about the Public Savings Bank Secured Visa, click the link below.

Public Savings Bank Secured Visa