Credit Cards Tips for You

With the end of 2010 in sight, Discover has announced the new 5% Cashback Bonus categories for most of the 2011 calendar. Discover More holders, much like those with the Chase Freedom and Citibank Dividend Platinum Select cash rewards credit cards, earn this bonus cash on very specific rotating categories, usually on a quarterly basis.

Card holders also earn 1% cash back on all other purchases year round, and for a limited time, new users can earn an additional $100 credit with Discover More after spending $500 in the first 3 months.

These are the upcoming categories, along with the signup dates for each bonus (yes, unfortunately cardholders need to sign up in advance, the bonuses aren’t automatic):

• Jan – Mar: Airlines, car rentals, hotels, cruises, restaurants (on up to $800 in purchases). Signup is open now.
• Mar only: Grocery and drug stores (limit TBD). Signup starts Feb 1st.
• Apr – Jun: Home improvement, department, and clothing stores (limit TBD). Signup starts Mar 1st.
• Jul – Sep: Gas, hotels, movies, theme parks (limit TBD). Signup

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The Citi® Platinum Select® MasterCard® just changed the details of its balance transfer offer. The will now offer an introductory rate of 0% for 24 months for new cardmembers who transfer an existing balance to the card. The new details on this offer makes this card even more appealing. Prior to now the card offered 0% for 21 months which was a great offer too. In addition to this special introductory offer, the card also has other great benefits which are listed below.

• 0% Introductory Rate for balance transfer
• 0% Introductory Rate for purchases
• No Annual Fee
• Extra Cash

0% Offer
This card offers an introductory rate of 0% on balance transfer for the first 24 months. In addition, the card offers 0% on purchases for the first 12 months. The balance transfer offer makes this card one of the best balance transfer cards on the market today. The balance transfer fee is 3% of each balance transfer with a $5 minimum. After the introductory rate the variable rate for both balance transfers and purchases will be 11.99%, 15.99%, and 19.99%. The rate you get is based on your creditworthiness. To

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Student credit cards offer benefits and rewards designed for college students on the go. These benefits include benefits like 0% introductory rates on purchases to special cash back offers. Student credit cards are a great way to build credit and a great way to get some cash back into your pocket. We are starting to see more student cards that offer special rewards to their cardmembers. Here are four student credit cards that offer cash back.

The Discover® Student More Card gives members 5% a Cashback Bonus® in categories rotating categories like travel, department stores, gas, groceries, restaurants, and more. The card also gives 5% to 20% Cashback Bonus at the exclusive online shopping mall. You will automatically get up to 1% unlimited Cashback Bonus® on everything else you buy from textbooks to toothpaste. The cash rewards you earn will never expire and your can redeem your Cashback Bonus® for gift cards or instant eCertificates from over 100 brand-name Partners. In addition to the great Cashback Bonus® you can earn, the card gives a special introductory rate for 6 months on purchases. After the first 6 months the APR is 12.99% to 19.99% based on your creditworthiness. The

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Only one in five small businesses are expecting good sales this Christmas, according to a survey.

Some 55 per cent of 500 business owners polled by insurer Aviva expect Christmas to be difficult, with one in ten predicting this holiday season could ‘make or break’ their company, and many undecided.

More than three in five respondents to the survey (61 per cent) expect conditions to ‘remain difficult’ in 2011 and almost a third (30 per cent) believe there is a ‘real risk’ of a double dip recession.

David Bruce, commercial product manager at Aviva, says: ‘Christmas is a crucial trading period, even more so with the VAT rise and government austerity measures hanging over consumer spending for the year ahead.

‘The UK’s small businesses are a resilient community but it looks as though the coming months will test them to the limit.’

Millions of UK residents have credit cards and they use the plastic money almost everyday to purchase various commodities for daily life. However, existing users of these cards are also searching for the new one unless they get 0 APR credit cards. Who would like to miss such chance? Obviously, no one will miss it. In UK most of the people are trying really hard to purchase these cards. Even they have no idea about the 0 APR and how it works.

APR stands for annual percentage rate. It determines how much interest rate an individual pays every year on credit card. Now, you got the idea about the 0 APR credit cards. Yes, you are absolutely correct. Here, you are not required to pay any interest rate and extra charges. You are only liable to repay the amount which you borrowed from bank. While searching such cards, many persons face trouble because they are not simple to find and easy to get.

0 APR credit cards are no longer difficult to get or find. First of all check your credit score if it is well and good then switch on your computer and start your research from internet.

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