Credit Cards Tips for You

When shopping for a charge card, we all have big expectations. We want rewards, security, protection, travel assistance, and the of course – the VIP treatment. As an American Express Gold card holder, youll finally have the “Golden Ticket” that gives you everything want in a charge card! The American Express® Premier Rewards Gold Card has made a few changes – for the better. Now, you can enjoy 25K points when you spend $2,000 in your first three months. You can use your points for $250 in select gift cards.

When you use your card, your points multiply fast! You can earn 3X points when you use your card to buy flights and 2X points when you buy everyday purchases – such as gas and groceries. Then, when you use your card for other purchases, you can still earn 1X points.

You can use the points that you have earned for travel without blackout dates or restrictions. You can also redeem your points for merchandise or gift cards at the best dining hotspots or retail stores.

The American Express® Premier Rewards Gold Card has zero annual fee for the first year and no interest youre required to pay off your balance every month!

Now, you are a genuine American Express Gold Cardmember – which means that you are entitled to extra special treatment. When you use

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If you feel you pay too much in fees, listen up; RushCard is streamlining its fee structure for the Prepaid Visa RushCard and is getting ready to launch its “RushUnlimited” Plan. Many customers who choose the new plan can make unlimited signature and PIN transactions for a new lower monthly fee. The “RushUnlimited” Plan, available in March 2012, will not only deliver increased payment flexibility, but will also provide a simplified fee structure for new customers and existing Cardholders choosing from within RushCard’s robust suite of money-saving solutions. Cardholders across all “RushCard” plans, the fees for bill pay enrollment, individual bill pay transactions, plan changes and replacement cards will be eliminated.

Get your RushCard Today!

The interest rates on credit cards are among the highest of any bills you will pay. Cars loans typically have an average interest rate of 5-6 percent. Mortgages will have interest rates between 3-6 percent for a borrower with average credit. Interest rates on your credit cards will average 14 percent. This means that your credit card will carry an interest rate that is five times higher than your other typical loans.

Watch Out For Intro Rates

Many credit card offers come with intro rates to try and seduce you. Some will offer you an interest rate of 0 percent in order to get you to sign up for the card. While this can be a great way to lower your current credit debt, you have to be aware that the interest rate will shoot up in the future. Many credit card applications are not aware that the interest rate is only temporary.

Your Rates Can Go Up At Any Time

The credit card company can raise your rates at any time. They don’t have to give you a reason, all they have to do is notify you within 30 days of your rates being raised. Generally, a borrower with good credit will maintain a reasonable interest rate. Read more…

After much consideration, Directbanc has decided to join the Yakezie Challenge. We have been inspired to do so by all of the wonderful personal finance bloggers weve had contact with in the blogosphere.

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Discover has two travel reward credit cards – Escape and Miles. Both cards have a 0% introductory interest rate on purchases and balance transfers. They also have the same APR range, based on your credit history. Miles is cheaper, with no annual fee. But Escape lets you earn more reward miles. Check out reviews of both credit cards to decide if either is right for you.