Archive for July, 2011
Many people who were once wary about using credit cards are now rushing to get credit from their company of choice. One reason for this is that many credit card companies nowadays are willing to give credit cards to almost everybody, even to people with bad credit. The companies are reasoning that they will make money from people who do not pay their bills on time as well as more responsible consumers, since the former tend to pay higher interest rates and late fees. There are very few people who simply do not pay off their credit cards at all and attempt to disappear. Therefore, there is little risk of extending credit to people who will absolutely not pay off their credit cards.
Therefore, one should be cautious before obtaining credit cards. It might be tempting to sign up if there is a claim of absolutely no rejection, but if you do not use the card or cannot pay off your bills, your credit cards might end up costing you a fortune in the long run. It is a good idea to be selective concerning which credit cards you wish to obtain and to think carefully before signing up.
There are many different types of credit cards on the market these days, including:
· Cards for those with good credit
· Cards for those with bad credit
· Smart cards
· Reward cards
· Credit cards for minors
Significant benefits are given to those who have good credit. Many companies offer premium gold or platinum credit cards with no annual fees, 0% APR and a higher credit limit. This means that you can make more purchases with few or no restrictions. Therefore, it is important to keep your gold and platinum credit cards under close watch, since a thief can make significant charges to your account.
Many more credit card companies are offering credit cards to people with bad credit. They are willing to take this risk in exchange for an annual fee and a low APR. Many companies will check employment history, but many more nowadays will rely on the fee rather than past records. Instead of avoiding credit cards completely, it is a good idea for those with a flawed credit history to apply for these kinds of credit cards, to make modest, regular purchases with their cards, and to make payments on time. This will help repair their credit, which is a gradual process.
With identity theft occurring more frequently, smart credit cards are becoming more popular among security conscious consumers. Smart cards are embedded with microprocessor chips, which hold more information than traditional magnetic strips. These smart chips encrypt information to prevent cloning and fraud. If your chip is disabled, the company is automatically notified.
Reward cards are a popular way of earning air miles, hotel points or free gas as you use your credit card in the supermarket or the shopping mall. Many consumers enjoy accumulating points for these items as they make their ordinary purchases. It usually takes some time before you will be able to receive free items, and it is not such a good idea to make extraneous purchases just to earn more points, but many feel that the regular shopping they do will eventually pay off in the form of rewards.
Many parents are understandably leery of trusting their teenagers with credit cards. However, they would like their kids to learn early on about how to use credit responsibly, pay bills on time. A good compromise solution is to get a special credit card for your teenager that can be monitored. These credit cards have limits on them stipulated by the parents and allow parents to be informed of each transaction. Therefore, it is impossible for a teenager to spend more money than the parents will allow.
Business Green Rewards Card introduced by American Express favors business owners with good credit. Those of you, who can pay in full each month, be ready to redeem the extensive rewards program without any limits.
The Business Green Rewards from American Express offers you a great rewards program. The most important thing you need to understand is that Business Green Rewards card is a charge card, that implies all charges made on this card must be paid in full as the monthly bill arrives.
For late payments, you will be subjected to a fee equivalent to the greater of $30 or 2.99% of your overdue balance. Nevertheless, this may be a perfect option for those of you who want to get rid of accumulating credit card debt.
Rewards Program
Whenever you make a purchase with your Business Green Rewards card, you earn a point for every dollar spent on the card. You get an automatic enrollment in the Membership Rewards program without any additional fee and redeem points for merchandise, travel and other rewards for your business and yourself as part of the program. The card gifts you 5,000 bonus points as soon as you make your first purchase with the card.
Business Green Rewards from American Express redemption program is quite broad, so you can redeem points in denominations as small as 400. You can use your points when you feel like and they will not expire.
Some Basic Features
Have a look at the basic features of Business Green Rewards Credit Card:
§ The Credit Card has a low 0% introductory APR on purchases and balance transfers.
§ As a primary cardholder, you will have to pay an annual fee of $95, which will be waived for the first year in case the card-application is submitted online.
Unique Features
The unique features of Business Green Rewards from American Express are as listed below:
§ OPEN Program – gives you access to the OPEN small business network. This OPEN network basically provides businesses with discounts on essential services such as car rentals, telephone, shipping, and printing. With OPEN Savings SM you get discounts at FedEx, Delta®, Courtyard by Marriott®, and more by using your Business Card.
(You will need no coupons or codes and your savings will come along with other discounts your business may already receive. You would have no pre-set spending limit on cards. It also offers you fee-free additional cards, offers online management tools and credit-savvy agents).
§ Additional Cards – there is no limit to the number of cardholders you can make. Provide the Business Green Rewards Card to your employees and reward them with the various benefits of Card membership. In return, you will be rewarded with a convenient way to manage their expenses.
§ Expense Management Reports – check your spending from Business Card by spending category, time-period, or individual cardmember, data will be available at no extra charges.
§ Network News – through this you can send your queries via e-mail and receive a monthly e-mail newsletter automatically, which informs you of business tools and resources, promotions and benefits, and timely business articles and advice.
Accessories
Some additional benefits you achieve from the Business Green Rewards from American Express include up to $100,000 in travel accident insurance, auto rental insurance and purchase protection. Apart from these you have various Internet account related facilities, Lost and damaged luggage insurance, emergency card replacement and other travel and emergency assistance services.
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