January 27, 2009
 Retail outlets and online merchants have made purchasing items easier by encouraging the use of credit cards. With a college student credit card, a student can easily purchase items necessary for their studies, such as textbooks, stationery, and computer. The college student credit card also enables the student to obtain a cash advance in cases of emergency, such as for medical use or for payment of repairs on a vehicle that had broken down. A college student credit card is especially useful for the student who enjoys traveling. Besides being widely accepted at automated teller machines, restaurants, and car rentals, the college student credit card also makes it easy for booking hotels and purchasing train or plane tickets over the Internet.
A college student credit card functions like an ordinary credit card, with the exception that there are different requirements and procedures for student credit card application. While there is commonly no annual fee for college student credit card, a parent or guardian is required to co-sign with the student on the student credit card application. The person who co-signs on the student credit card application acts as a guarantor on the credit card application for college student. In the event that the college student in credit card debt is unable to promptly meet payments on the student credit card debt, the bank will approach the person who co-signs the student credit card application to settle the student credit card debt.
Typically, the student credit card application is approved for students with limited or no credit history. Thus, college student credit card has a spending limit that is lower than other credit cards. The spending limit on college student credit card is set by the financial institution issuing the college student credit card, and this can vary from US $250 to US $800, or average around US $500. The spending limit on college student credit card allows the student to regulate spending and manage college student credit card debt.
Parents or guardians who want more control over the student’s spending on the college student credit card may advise the student to opt for a prepaid college student credit card. The prepaid amount is the spending limit on the prepaid college student credit card. Thus, if US $300 has been prepaid, the spending limit on the prepaid college student credit card is US $300. This prepaid college student credit card poses no financial risk to the student, yet using the prepaid college student credit card will still teach the student the fundamentals of money management and building a good credit rating.
Unlike traditional credit cards that have pre-set interest rates, college student credit card interest rates can be negotiated. Students with excellent test scores can negotiate for lower college student credit card interest rate during student credit card application. The lower interest rate on college student credit card is usually approved, as long as the student maintains the outstanding scores and promptly pays the college student credit card debt.
Besides enabling the student to more responsibly manage money, a college student credit card also helps the student begin establishing a good credit history at an early age. The student has to budget monthly expenditure on the college student credit card and ensure that the student credit card debt is repaid promptly. Through prompt repayment of student credit card debt, the student builds a good credit rating, which will be valuable when the student graduates. The graduate will discover that, with a good credit rating from the use of the college student credit card, chances of approval on loan applications are faster and purchases on credit are easier.
Students who want to apply for a student credit card should compare different college student credit card options offered by different financial institutions before submitting the student credit card application. Gather information and compare student credit card application requirements, interest rates, and penalties on late payments before deciding on the most suitable college student credit card. Such information on college student credit card can be obtained over the Internet, and it is possible to apply for a student credit card online. Student credit card application over the Internet is normally processed quickly, and the student can receive a response within a few minutes from the financial institution issuing the college student credit card.
Students who apply for a student credit card should opt for a college student credit card issued by an established institution or a college student credit card that is widely accepted by merchants. The visa student credit card is a good option as visa is recognized as an excellent service provider. Visa credit cards are widely accepted internationally, both by retail stores and online merchants. This is no exception for visa student credit card. With a visa student credit card, the student will find that purchases from retail stores or from online merchants are more convenient.
January 19, 2009
 With gas prices at record highs all over the United States, choosing a gas rebate credit card just makes good sense. A gas rebate card may be station specific or work at any gas station so it’s important to realize what type of card you are applying for at the outset. One gas rebate credit card is not going to necessarily offer you the same benefits as another card. For example, some of these gas rebate programs offer rebates only on gas purchases, while others offer the highest rebate on gas purchases but also offer rebates for dining, travel or shopping as well.
You’ll want to assess your individual needs and then compare the benefits of more than one gas rebate card to see which one offers the most advantages for your lifestyle. For example, suppose your gas rebate credit card pays the highest rebate amount of all the gas rebate cards but only to a certain annual dollar amount. Now, if this amount is within your gasoline budget, this would be a great card for you. On the other hand, if your annual gasoline purchases total two or three times that amount, you might be wise to choose a gas rebate card with a lower rebate percentage with no pre-set annual spending limits.
The Discover® gas reward credit card offers a 5% gas rebate in the form of cash not only for gas purchases but for purchases made for auto maintenance as well. In addition, cardmembers can earn up to 1% cash back on all other purchases. As if that’s not enough incentive to immediately apply for the Discover® gas reward credit card, you can earn another 5% cash back when patronizing retailers through the exclusive online shopping site offered by Discover®.
There is no annual fee for this card and you can easily manage your account online. The Discover gas reward credit card is not exclusive to any one gas station chain and so can be used at any gas station that accepts the Discover® card. You can easily apply for this card online through a secure website and continue to enjoy the security that the Discover gas reward credit card provides. You’ll enjoy the $0 Fraud Liability Guarantee and you can feel safe knowing that the emails you receive from Discover® are genuine as the company provides cardmembers with the email addresses from which they might receive email.
Because there are many different types of Visa credit cards, you’ll want to read the fine print to ascertain the particular benefits of the card you select. What makes one card better than another is based largely on your individual needs so you’ll want to select the one that will best serve you. One Visa gas reward credit card provides a gas rebate of 5% on purchases made at the pump while you can earn 1.25% cash back on all purchases made.
There is no annual fee for this card and no threshold to reach in order to receive your gas rebate. Rebates are automatically credited to your account each month which is a plus because you don’t have to apply for them or worry about expiration dates.
Another Visa gas reward credit card offers a 5% gas rebate on purchases made at a particular establishment and it also offers a 2% cash rebate on purchases made regarding car rentals, airlines, hotels and dining. This card offers a further 1% cash back rebate on all other purchases. The important thing to consider with this type of card is whether you typically make your gas purchases at the establishment named on the card. If you do, you can enjoy a great reward program.
Like Visa, Chase offers a wide variety of credit cards, including more than one gas rebate credit card. With the Chase PerfectCard Platinum MasterCard®, you can earn a 6% gas rebate on all gas purchases at any station for the first 90 days your account is open and 3% on all gas purchases at any station afterwards. In addition, you get a 1% rebate on all other purchases. All rebates are credited to your account monthly so there is nothing to apply for and again, you won’t have to worry about expiration dates.
By using the Marathon Platinum MasterCard® from Chase as your Chase gas reward credit card, you’ll enjoy your gas rebate in the form of Marathon Cash Cards. With this gas rebate card, you’ll earn a 5% rebate on all Marathon purchases including gas that you purchase at Marathon stations. Once your gas rebate equals $25.00, you’ll receive a Marathon Cash Card good at more than 3,900 locations. In addition, you’ll also enjoy a 1% rebate on all other purchases.
There are a lot of good gas rebate credit cards like the Chase gas reward credit card available today and as you can see, most of them offer a slightly different reward package. Once you take a moment to assess your needs and compare offers, you’ll know which card is the right one for you.
January 15, 2009
 IberiaBank is a new addition to the family of credit cards at CCBW. It seems they offer an extremely low interest rate for their credit cards and they have decent ratings on their benefit’s. One credit card in particular you might want to check out is their cash back rewards credit card. We have linked that credit card to this news article, and you can find detailed information below on the IberiaBank MasterCard Gold Cash Back Rewards Card.
Their mission statement pretty much says it all when it comes to their dedication to customer service:
- Provide exceptional value-based client service.
- Great place to work.
- Growth this is consistent with high performance.
- Shareholder focused.
- Strong sense of community.
Here is a brief about us information directly from the IberiaBank’s website: (www.iberiabank.com)
IBERIABANK Corporation
The IBERIABANK philosophy is to exceed client satisfaction by delivering unparalleled customer service at every point of contact. We are committed to offering products and services customized to meet your financial needs. We provide a comprehensive financial product line including Retail, Commercial, Private Banking, Mortgage, Cash Management, Online Banking and Investment services.
Our relationship-based approach to banking focuses on making decisions locally, close to our clients. We recognize that local decision making gives you more time for the things in life that matter most.
IBERIABANK is the 120-year-old subsidiary of IBERIABANK Corporation. With $4.9 billion in assets (as of December 31, 2007), IBERIABANK Corporation is the second largest bank holding company headquartered in Louisiana.
Operating 50 branch offices throughout the state, we employ over 750 experienced banking professionals and associates. Headquartered in Lafayette, Louisiana, we serve clients in South Central Louisiana (Acadiana), the Greater New Orleans area (including LaPlace and Houma), the Northshore of New Orleans (including Slidell, Covington and Mandeville), Northeast Louisiana (the Monroe/Ruston region), Shreveport (Northwest Louisiana) and the Baton Rouge area. We cover sixteen parishes including Lafayette, Acadia, St. Martin, Vermilion, Iberia, Ouachita, Lincoln, Morehouse, Jefferson, Orleans, Ascension, East Baton Rouge, St. Tammany, Terrebonne, St. John The Baptist and Caddo. Loan Production Offices are located in Metairie, Morgan City, Houma, Mandeville, Baton Rouge, Ascension, Denham Springs, LaPlace, and Shreveport.
In Acadiana, we hold the number one market share position (deposit market share as of June 2007) with a comprehensive retail, commercial and private banking franchise. We rank second in market share in Northeast Louisiana with an outstanding retail system and growing commercial and private banking presence. In New Orleans, Mandeville, Baton Rouge, and Shreveport, we successfully serve a niche commercial and private banking target audience.
IBERIABANK stock is traded on the NASDAQ Stock Exchange under the symbol IBKC.
January 2, 2009
 When looking for a credit card, many people turn to the CitiBank credit card issuer to fill out an application. It’s likely when you look at over three dozen cards the CitiBank credit card issuer offers, you’ll find one to fit your needs and lifestyle. There are a variety of benefits for CitiBank cardholders, from cards that carry travel and cash back rewards to low finance rates. The Citibank credit card issuer offers consumers American Express cards, Visa cards, and Mastercards. It also offers a number of store credit cards. Consumers who are trying to rebuild their credit even have the option of applying for one of the secure credit cards offered by the CitiBank credit card issuer.
One of the reasons Citibank cards are so popular is the number of cards they offer which allow consumers to earn points for every dollar they spend. In fact, the rewards cards are among the most popular cards offered by the CitiBank credit card issuer. Consumers can choose the reward that best fits their needs. Many people choose to go with the travel rewards cards offered by the CitiBank credit card issuer. There are a dozen travel rewards to choose from. Consumers can choose a Visa, MasterCard, or American Express travel reward card, and they can pick the reward that works best for them – airline miles that can be used at American Airlines or points toward an overnight stay at a Hilton Hotel. Each time a travel rewards cardholder uses their credit card to make a purchase, they earn points, or miles that can be redeemed for hotel stays or airline tickets. One of the best benefits of the travel rewards cards is that many of these cards offer an initial reward of points or air miles simply for signing up with the CitiBank credit card issuer.
In addition to travel rewards, there are a number of other rewards consumers can earn when they sign on with a CitiBank credit card issuer. Many consumers choose one of the cash back cards offered by the CitiBank credit card issuer. These cards let consumers earn cash rewards for each purchase they make. Like the travel rewards cards, there is often a bonus reward during the initial period after the CitiBank credit card issuer issues the card. Some other reward options include earning points for each purchase, which can be redeemed for merchandise, or store discounts. The CitiBank credit card issuer also offers a special card for people who are working to save money toward their children’s college education. A percentage of each purchase made with one of these cards goes towards your child’s savings for college.
In an effort to provide just the right card for the needs of each consumer, the CitiBank credit card issuer also offers several retailer credit cards. If there is a store or business that you frequent, one of CitiBank’s store credit cards may be the perfect choice. They offer credit cards for stores such as Sears, Bloomingdales, Citgo, ExxonMobil, Home Depot, and Staples. By applying for one of the several store cards the CitiBank credit card issuer offers, consumers become eligible for special savings and discounts to their favorite stores that are only available to cardholders.
The CitiBank credit card issuer has also created several cards with the special needs of college students in mind. The company understands that it can be difficult for college students to get a credit card because they have yet to establish a credit history. The CitiBank credit card issuer offers credit cards to college students that allow them to start building their credit history, and also offer many of the same benefits other card holders receive, including low APRs, the ability to earn rewards for their purchases, the ability to transfer balances, and more.
The Citibank credit card issuer also offers several cards for small businesses and professionals. There are a number of benefits offered to small business and professional cardholders. These consumers get many of the same benefits as other cardholders, such as low APRs and the ability to earn rewards for purchases. The CitiBank credit card issuer also allows business owners and professionals to keep their business and personal expenses separate, take advantage of an Online Expense Organizer, issue extra cards to employees, and receive quarterly and annual summaries. All these things go a long way in helping business owners and professionals keep track of their expenses.
When one looks at all the benefits offered by the CitiBank credit card issuer, it’s no wonder that these cards are chosen so often by consumers. CitiBank gives them a variety of options, including the choice between business or personal cards, special cards for college students, and the ability to earn rewards which best fit one’s needs. Consumers love knowing that each purchase they make allows them to earn rewards such as hotel stays, airline tickets, merchandise, cash back, or contributing to a child’s college savings. The CitiBank credit card issuer also offers other benefits. These benefits include low finance rates, cards with no annual fees, the ability to transfer balances from other credit cards, and much more. For anyone looking into obtaining a new credit card, the cards issued by the CitiBank credit card issuer are definitely worth a second glance.
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