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November 24, 2008

IberiaBank Credit Card Issuer

Filed under: Articles — Tags: , , — credit_expert @ 10:28 am

iberiabank-credit-card-issuerIberiaBank Credit Cards

Iberia Bank credit cards are issued by Pulaski Bank, which is a 120-year-old subsidiary of the Iberia Bank Corporation, and holds $4.9 billion dollars in assets. Iberia Bank is owned by Iberia Financial Service, and their company history goes back for decades. They offer many credit cards that fit well with their customer’s needs and financial situations.

Online banking is an easy way to get access 24 hours a day, 7 days a week, to your credit card accounts. With all Iberia Bank’s credit cards, you will have the ability to access your billing and summary statements online, pay your bill, check your balance and credit limit, and much more. With Iberia Bank, company information can be found quickly and easily online. This bank offers many rewards and advantages with their products.

Their deposit products mainly consist of checking, savings, and money market accounts. Not only does the company have banking by phone, it also offers online banking, safe deposit services, debit, and credit cards. Iberia Bank operates 50 different branch offices throughout Louisiana.

There are many credit cards available through Iberia Bank. The following is a summary of a few of the most popular ones. These cards are specifically designed for those who may have average credit, and who may carry a balance. Many people may benefit from using these credit cards, as they are designed for the everyday person.

The Iberia Bank Visa Classic Card

This is a great credit card for those who have average credit. There are many benefits to this company credit card of Iberia Bank. You can enjoy online account access along with lost and stolen credit card reporting. There is no annual fee for the Iberia Bank Visa Card, and you can get a 0% introductory rate for the first six months of the card’s life. When the introductory rate is over, this visa card offers its customers a low interest rate no matter what the transaction.

The Iberia Bank Visa Card gives its customers the ability to transfer balances. There is no fee for additional cardholders, which is an excellent perk for a credit card. This card offers a grace period of 25 days, and a late payment fee of $15 through $35 dollars, depending on the balance. The most attractive feature of this Iberia Bank credit card is that there is a low APR for all transactions, and no annual fee. Many services can be performed on the Internet, as well.

The Iberia Bank MasterCard

This is another great credit card for those who would like to have a MasterCard and do not need many benefits. This card starts out with a 0% introductory rate that will not change until the seventh month. This rate can also be applied toward any balance transfers in the first six months, an excellent idea for those who need to pay down a large balance on another card.

After the first six months, the APR goes to 6.25% for purchases, and 7.25% for cash. One of the best features of this MasterCard is that there is no annual fee, and no fee for any additional cardholders who apply to be on the account. The APR is low on all transactions, making this a convenient and easy card to have. The Iberia Bank MasterCard also offers customers online services, so they can take care of their credit needs easily from the comfort of their own home.

The Iberia Bank MasterCard Gold Cash Back Reward Card

This excellent credit card is designed for customers who have good credit and want to use the cash rewards program. With this reward program, a cardholder will earn a 1% cash rebate for every dollar spent, no matter what the purchase. There are no limits to how many cash rebates may be earned, and they do not expire.

There are many advantages to this Cash Back MasterCard. There is no annual fee, and an introductory rate of 0%, which also includes any balance transfers the cardholder wants to make. This lasts for 6 months, and then the APR goes to a very low and affordable rate.

Cardholders have access to unusual benefits with this MasterCard. They can enjoy up to $500,000 in travel accident insurance plans, as well as no annual fee. Online services are available at all hours for those who need to check their credit balance, or pay a bill. This credit card is attractive for those who spend a lot of money on their credit card, as the cash rewards can build up quickly.

Iberia Bank credit cards are one of the best investments anyone can make. The rewards and perks that come along with these cards are well worth it. Check online and get started today with a great introductory rate, cash benefits, and much, much more. Their company history and information is solid and trustworthy, definitely a bank you want to do business with.

November 15, 2008

Airmiles Rewards for the Frequent Traveler

Filed under: Articles — Tags: , — credit_expert @ 10:33 am

airmiles-rewards-frequent-travelersAir miles credit cards offer excellent rewards for travelers. These rewards vary according to the airline or bank offering the card. With credit card air miles business owners and individuals can all benefit. Considering the advantages to be gained from an airline reward card it is worth taking your time to consider the various offers before making a decision about the best air miles credit card for your needs.

One important point to consider with air miles credit cards is the number of free air miles you receive for each purchase made with the card. With one type of airline reward credit card you may receive one air mile per dollar spent, while another airline reward card may require you to spend more to receive each free air mile. These free air miles are important but, rather than basing your decision about an airline reward card solely on the number of free air miles you are likely to receive, you will benefit from checking out other aspects of the airline miles reward credit card to see if they suit your needs too.

Whether to choose your airline reward credit card through an airline or a bank is one of the first decisions you will need to make. Either choice will be to your advantage and will provide you with the type of rewards that you receive only with air miles credit cards. Your airline reward, however, will vary according to your travel needs and frequency, so take the time to make these comparisons.

The main thing when deciding whether to use an airline or bank for your airline reward card is to consider the airports you use most often and to think about the airlines that are available to you there. Through an airline miles reward credit card you will get the best deals on a particular airline, probably making it the best air miles credit card for you if the same airline is available at the airports you use most frequently. If not, you will be able to use a bank for your airline reward credit card and can start accumulating your airline reward benefits in that way. Air miles credit cards issues by banks can usually be used on most airlines. If you travel on a variety of airlines you may find this choice is better for you. Before making a final decision you should check that the air miles acquired through the airline reward credit card you choose will be applicable to the airlines you will be using in the future.

It is also important, when you are selecting an airline reward credit card for the first time; to investigate and consider the introductory offers that are usually a feature of airline reward plans. The duration of these introductory offers can vary widely, depending on the airline reward card you choose. The life of the introductory offer, sometimes as short as three months, sometimes as long as 15 months, will usually give you 0% annual percentage rate interest on any new purchases made with the card within that time. The airline miles reward credit card you choose may also allow you to transfer the balances of other credit cards to your new airline reward credit card, sometimes with the same 0% APR interest for as long as the introductory offer lasts. There may be a balance transfer fee with some air miles credit cards so check that and weigh it up in relation to the other benefits you will receive.

When investigating air miles credit cards you should also ask what the rate of interest would be on your airline reward credit card after the introductory offer has finished. Find out what other advantages you will receive from a particular airline reward card. For example, an airline miles reward credit card can sometimes offer discounts on other expenses such as accommodation, car rentals and restaurants.

Other things to check when comparing air miles credit cards include the number of air miles required for your first free flight. Your air miles may also have an expiry date on some types of airline reward credit card. This may not concern you if you know you will use up the miles before they expire but if you are planning to use them for a trip well in the future, an airline reward credit card with the benefit of no expiration could suit you better.

By investigating the air miles credit cards offers available you will find the best air miles credit card for your requirements. The fact that the airline reward deals vary shows that they are designed to suit a diversity of needs, travel patterns and preferences. For credit card air miles business travelers, one type of airline miles reward credit card may be beneficial while a private traveler may find another type of airline reward card is more useful. Comparing air miles credit cards will show you the one that will be most rewarding for you.

November 10, 2008

Get a $20 Discover Gift Card for every $200 You Spend this Holiday

Filed under: News — Tags: , , — credit_expert @ 7:55 am

get-20-discover-gift-card-for-every-200-you-spend-this-holidayDiscover is runnning a holiday promotion from November 1st 2008 to December 31st 2008 to encourage people to use their discover card while shopping. All you have to do is spend $200 at participating shopping malls and you will received a $20 Dicover Gift Card that is acceptable where regular Discover Credit Card are accepted. Most of us are going to be doing a lot of shopping this holiday season anyways, why not get some of that cash back in the form of a free gift card.

If you are already have a Discover Credit Card, then you are one step ahead of the game. Blow the dust off your Discover credit card and start buying those holiday gifts. For those of you who don’t have a Discover Credit Card yet, we offer a wide range of applications in our Discover Credit Card Section. The applications are easy to fill out, and you should receive your credit card well before the holidays get here so you can take advantage of this incredible offer from Discover.

Here is the official word from www.discovercard.com:

Get a $20 Discover Gift Card

Get something extra when you do your holiday shopping this year: Head to one of over 160 participating shopping centers from November 1 – December 31, 2008, and you’ll get a $20 Discover Gift Card for every $200 you spend on your Discover Card*.

Here’s How it Works

Just take $200 in Discover Card receipts from any store(s) at a participating mall or shopping center to Customer Service (or the Discover Card Booth) and redeem them for a $20 Discover Gift Card.

This is an amazing deal that Discover is offering its customers. Just imagine if you are already getting 5% cash back on your credit, this is almost like getting an additional 10% on your purchases. Gift giving this holiday season has never been easier and so rewarding! Below is one of our favoriate Discover Credit Cards that you might be interested in applying for.

Discover Card Home Page

November 6, 2008

Bad-Credit a Growing Issue?

Filed under: Articles — Tags: , , , — credit_expert @ 10:31 am

bad-credit-growing-issueChallenging credit is more common than many consumers think, and that is why there are bad credit card options out there to choose from. You don’t have to have a credit score of over 700 to get credit cards anymore. Now you have a chance to rebuild your credit with a credit card for people with bad credit. You’ll need to go slowly, and you’ll have to expect that when you apply for a bad credit card that you may not be offered huge balances, but it is a start.

One really great way to get your foot back in the door with credit card companies is secured credit cards. Of course, we all like the unsecured credit card for bad credit offerings, but this is not possible for everyone. Secured credit cards show creditors that you are serious about rebuilding your credit and that despite past behaviors and inabilities to pay debts on time; you will pay off your credit card balances with them. Many individuals simply find that a secured credit card will help keep them accountable until they can be approved for an unsecured credit card for bad credit.

When you apply for a Visa or MasterCard credit card for bad credit. you should read the fine print on the application very carefully. You can expect to have a higher interest rate than you did in the past and you can expect lower credit offerings than you had in the past as well, but you should still be certain that you can agree to and abide by all of the terms of the bad debt credit card. Ensure that you look at annual fees, late payment charges, and any other charges that may cost you time, money, or stress.

You may have to look for awhile, but you can find a free bad credit credit card. These cards will not require you to make a deposit or secure the credit card, but you should still take a close look at all of the fine print. Any credit card is a good way to help you rebuild your credit standing, but you always want to be sure that the initial free credit card for people with bad credit is actually free.

What happens with many credit cards is that you will start out with a small credit offering such as $500. Then, the company will charge you odds and ends for account set up, annual fees, and more that will leave you with just a few dollars left on the account before you even get it! This can be doable, but you’ll want to be sure that this is something that you can afford to pay off right away so that you actually have the available credit balance when needed.

A credit card offer for bad credit can be found at your bank, on the Internet, or even through the credit card companies that you have worked with in the past. The terms, the costs, and the credit offerings will vary from company to company, but most credit counselors will tell you that taking advantage of just one credit card offer for bad credit can help you get back on track. Using the bad debt credit card occasionally and paying it off right away can help you undo all of the black marks on your credit report and enable you to be taken more seriously by future creditors.

There are all different types of offers for people with bad credit. There is MasterCard or Visa credit card for bad credit for just about anyone out there that is ready to start taking their credit more seriously. One bad credit Visa card won’t change everything around in an instant, but each time you pay off the charges on your credit card you are one step closer to developing the type of credit report that you want, so that you don’t have to only apply for the bad credit cards.

Of course, bad credit card offers are not just for personal use, but can also be for business use. A bad credit business credit card can be sought as well. These business credit cards will start out with a lower balance than you would expect if you didn’t have bad credit, and you should expect to have a higher interest rate than you would otherwise, but one bad credit business credit card can help you get your foot in the door to other business credit cards sooner than you may think.

With more and more consumers suffering from bad credit, credit card companies have had to make the bad debt credit card a reality. This type of credit card, whether secured or not, can be a great step in the right direction, allowing for individuals to act more responsibly and enjoy the benefits of having credit extended to them once again. Finding a bad credit credit card is not difficult, as there are now so many being offered to people with varying credit challenges in their pasts.

November 5, 2008

$500 Statement Credit for Purchasing or Leasing a New GM Vehicle

Filed under: News — Tags: , — credit_expert @ 7:53 am

500-statement-credit-for-purchasing-or-leasing-new-gm-vehicleThinking about buying a new GM Car in the near future? How about getting a $500 statement credit on your GM Business World MasterCard. This is practically free money for those already thinking about purchasing a new GM vehicle.

This card has a bunch of other great features that really set it apart from other credit cards. First of all, you can transfer a balance to this card with an APR of 0% for 12 Months, a whole year of no interest payments. (This also applies to new purchases.) Furthermore, for people who hate paying to use a credit card, this card has no annual fee.

GM has a large line of cars to choose from, and their truck line is top notch. Some dealers even give great APRs on their lease/finance deals just to help close the deal on some of their cars. It can’t hurt to check out some of the great offers GM has and combine it with this great credit to earn yourself some extra cash.

The GM Business World MasterCard details are listed below. Be sure to check out the credit card review or just click on the apply button and fill out your application today!