July 24, 2008
 Stem the tide of high gas prices by getting a credit card that offers you cash back on all your gas and car maintenance purchases. The major problem with a regular gas rebate card is that it can only be used at the gas station listed on the card and cannot be used for everyday purchases to maximize it’s rebate potential. There is a simple solution to this, sign up for a Discover Open Road Card today and earn rebates on gas at any gas station as well as rebates on everyday purchases.
The Discover Open Road card offers a full 5% cash back on all gas and maintenance purchases. The benefits of the Open Road card don’t stop there because you will earn up to 1% cash back on all purchases with no annual fee. You can even earn double cash back at participating retailers and merchants! If you sign up today you will get 0% for 12 months and is applied to purchases and balance transfers. This is a limited time offer so don’t hesitate. Start fighting back against higher gas prices with the Discover Open Road Card today and start earning your cash back rewards.
Other benefits of the Discover Open Road Card include:
- Various card designs to select from
- Various Internet account related services
- No liability for unauthorized transactions
- Up to $500,000 in travel accident insurance
- Fraud and security protection services
- Purchase protection
- Flight insurance
- Auto rental insurance
July 21, 2008
 There are many credit cards from which to choose today to meet your daily needs or use for emergencies. Choosing the right one can have a big impact on your overall financial fitness. The Discover credit card can be used for personal or business needs and that’s just one of many reasons why this is the right credit card for you. More than 50 million Discover cardmembers agree that the Discover family of credit cards is the right solution to help them meet their long and short-term goals.
Once your Discover credit card application is approved, you will have opened the door to a streamlined process of customer loyalty and satisfaction. It all begins with a secure online application process that takes only minutes to complete. Discover is committed to providing a safe and secure online environment from the moment you first complete the credit card application to every subsequent visit you make to the Discover website.
While Discover has secure measures in place to guard against fraud, online security is such an important issue that the company has gone the extra mile to strive to educate its customers on what they can do to prevent identity theft and credit card fraud in general. This is backed up by a $0 Fraud Liability Guarantee so that Discover cardmembers won’t have to pay for unauthorized charges on their Discover credit cards.
In order to protect its customers from falling victim to “phishing” schemes, Discover provides all their customers with a list of email addresses from which they might receive communication from the company. This way, if they get any online communication that appears to be from Discover, all they have to do is to check the sender’s email address against the list provided to them. With Discover’s state-of-the-art technology, you can feel safe and secure conducting your business online.
Discover believes in rewarding its credit card customers and has generous reward programs in place for their loyal customers. Simply choose which of the credit card applications best fits your needs then browse the website to see which award programs you’ll be taking advantage of. Not only are Discover cardmembers rewarded for shopping with their Discover credit card, but customers can also earn cashback rewards simply for paying their bills!
Auto Bill Pay is an exciting program that is completely free to register for and will automatically pay your bills by charging them to your Discover credit card. Thousands of merchants accept the automatic bill payment from Discover and to make it convenient, the Discover website publishes a list of merchants that do accept this form of payment. You can arrange to have your phone bill, electric bill, and many others automatically paid each month and earn cash rewards in the process.
With Discover’s online customer service and account management feature, you’ll never have to worry about what time the customer service department closes. You can access your account 24 hours a day, view or pay your bill, and take care of other account matters all without having to pick up the phone. Discover’s secure portal even allows you to contact a customer service representative online by sending a message. Whether you need to update your address or add an authorized user to your account, the Discover credit card customer service portal will allow you to do this in mere moments so you can spend more of your time doing the important things.
When students complete the Discover application, they are getting much more than a shiny new credit card. Discover goes the extra mile yet again and provides students with all the tools and information they need to get their credit card history started on the right track. Students can create a budget, take a credit quiz, and use the online calculator to prepare themselves for the responsibility and the rewards of a Discover credit card.
While Discover offers a variety of credit card options to meet customer’s needs, they also provide an online comparison tool so that customer’s can choose which Discover card will best meet their needs. Whether you’re interested in earning cashback rewards or miles, you’ll be able to compare the advantages of each and make the best possible decision to meet your individual needs. This is just one of the many services Discover offers their customers.
Beginning with the credit card application and continuing throughout the entire process, Discover works with its customers to help them understand each aspect of their credit card account including advantages, responsibilities, and rewards. Discover employs a state-of-the-art security system and goes the extra mile to educate customers about identity theft and even provides information on how to keep your computer safe. When you deal with Discover, you’re dealing with dignity. Discover provides all the tools you need to manage your account online and allows you to make many account changes without ever picking up the phone. At the same time, Discover customer service representatives are available twenty-four hours a day to meet your needs. When you decide on Discover, you’ll discover the rewards.
 Credit cards are nearly essential in today’s world, and with the wide variety of finance options, you’re sure to find one that is just right for you. Some credit cards even offer perks that can improve your home by offering home financing credit or fidelity investment rewards to improve your portfolio. While frequent flier miles may be tempting credit card rewards, consider choosing a card or cards that actually help you get ahead financially in the long run, by investing in your future. There aren’t many ways to save on your mortgage financing, but a home rebate credit card can help. Take a new look at credit rewards with these great options.
The Citi Home Rebate Platinum Select MasterCard is available only to consumers with the best credit. Substantial reward benefits are available, all of which apply to the balance of your home loan. An introductory period on this card offers a higher rebate on certain essentials, including telecommunications expenses, like your phone, cell phone and cable bills, as well as utilities. Paying your bills with this card during this period can offer you a great rebate to apply to your home mortgage. All other purchases and all purchases after the introductory period offer a generous, but lower rebate amount. The Citi Home Rebate Platinum Select MasterCard offers a good APR, 0% APR on balance transfers and more. Cash advances are available, but the interest rate is quite high on cash advances.
Other companies also offer home rebate credit cards, including Wells Fargo. Read through all home rebate credit card offers carefully to choose the one that best meets your needs. If your mortgage is owned by a company that also offers credit cards, they may even have a home rebate card option, and in some cases, the card may only be an option if that company owns your mortgage. While credit card customers can choose from a variety of rewards, consider choosing home rebate rewards. Be sure that you understand how rebates are paid out to your mortgage holder and also make certain that they will be applied to the principal owed on your loan. Also, while these cards are available only to consumers with excellent credit, do keep in mind that the home rebate rewards are only beneficial if you are paying your credit cards in full each month and avoid accruing interest charges. If you can use your Citi Home Rebate MasterCard or other home rebate rewards card responsibly, it can help you reduce your loan principal faster than you might expect.
The home rebate rewards cards are not your only good option if you would like to take advantage of credit card rewards with regard to financing credit, home financing, or even Fidelity investments. The Fidelity Investments Visa Rewards credit card allows you to link your percentage reward into a Fidelity investments account, like a money market account, a Roth IRA or other savings and investment plan. The Fidelity Investments card offers a 0% introductory APR, a generous credit limit, and a 1.5% cash back into your Fidelity account. For each 5000 points, you will receive a $75.00 credit to your linked Fidelity account; however, you should be aware that lower interest rate cards are available if you expect to carry a balance on your Fidelity Investments Visa Rewards credit card. Fidelity Investments also offers cards with a cash back reward to a 529 college savings account if that is an option you would like to explore.
Some rewards credit cards simply come with worldpoints, or points that can be applied to a variety of goods, accounts, or be taken as a cash reward. If you are unsure what you would like to do with your credit rewards, perhaps a worldpoints or similar card would be a good choice for you.
Whichever rewards credit card you choose, you should keep several critical points in mind. First, the best rewards cards, particularly home rebate rewards, are only available to the most qualified applicants with the best credit. If you have excellent credit, you likely have smart credit management skills, and thus know how to use your credit wisely. Keep in mind that low interest rates are contingent upon timely payments, both to that creditor and all others. Rewards credit cards are most beneficial when used regularly, even for day to day expenses, but when paid before interest begins to accrue. If you expect to carry a balance on your credit card, a low APR should be your priority above and beyond rewards programs. If you do feel that a rewards card is right for you the Citi Home Rebate Platinum Select MasterCard or Fidelity Investments Visa Rewards credit card may allow you to pay the principal on your home loan down with your everyday purchases or allow your grocery and gas costs to help bring up the balance on your investment accounts.
July 19, 2008
 Do you want a free round-trip flight anywhere in the continental United States JUST for signing up for a credit card? Who wouldn’t right? Well right now the Alaskan Airlines credit card is giving away 20,000 Mileage Plan Bonus Miles just for getting approved for their credit card. There is no better airmiles reward card on the market.
This offer is only going to last for a limited time so anyone who wants to take advantage of this offer better fill out the application as soon as possible. Tell your friends, relatives, loved ones and co-workers about this amazing deal!
Here is the official promotion text from the Alaskan Airlines Website:
“For a limited time, you’ll earn 20,000 Mileage Plan Bonus Miles when you’re approved for the Alaska Airlines Visa Signature card-that’s enough miles for a free* ticket on Alaska Airlines or Horizon Air!
Take advantage of this limited time opportunity to give your Mileage Plan account a hefty boost. And continue to earn miles for every dollar you spend using the card.
Apply for the Alaskan Airlines Visa Signature card today and start enjoying the exclusive benefits.”
Here are some other additional benefits offered by Alaskan Airlines Visa Signature credit card:
- Earn 2,000 Bonus Miles Yearly
- Eacn 1,000 Bonus Miles for Applying Online
- Receive $50 Round-Trip Companion Ticket (@ Approval and Every Year After)
- No Limit on Accumulated Miles
- Miles do not Expire while Card is Active
July 10, 2008
 The Federal Reserve reported Monday that consumer credit rose at an annual rate of 6.4 percent in May, far above the small 1.1 percent gain of April. The advance was about double what analysts had been expecting.
The increase was propelled by a surge in the category that includes credit cards, which rose at a rate of 9.8 percent in May after having a tiny increase of 0.2 percent in April. The jump in credit card debt
was the largest since a 14.5 percent rate of increase in November.
The category of consumer credit that includes auto loans was also up in May, rising at a 4.4 percent rate after a 1.7 percent gain in April.
The size of the increase caught economists by surprise, although they had been expecting a pickup from the sluggish performance in May, when the 1.1 percent rise in overall credit was the smallest gain since a 0.1 percent rise in October.
The overall economy, weighed down by a steep slump in housing, grew at a lackluster rate of 0.7 percent in the January-to-March quarter, the weakest showing in more than four years.
But economists believe strength in employment and consumer spending will help provide a stronger performance in the April-June quarter, with many looking for the gross domestic product to expand at a rate of 3.5 percent or even better.
The report on consumer borrowing will provide support for the view that consumer spending has held up, despite the weakness in home sales and soaring gasoline prices
during the spring.
For May, consumers increased their borrowing by $12.9 billion to a record level of $2.44 trillion. Economists had been forecasting that consumer borrowing would rise by a much smaller $6.5 billion.
©2008 Globe Newspaper Company
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