March 12, 2009
 We just wanted to let everyone know that we have added the Orchard Bank Classic MasterCard back into the system. We are pleased with all that this card has to offer our users and really feel it will be a valuable asset. The best feature about this card is the 0% intro offer on purchases and balance transfer for qualifying individuals.
Here is a snippet of information from the official review:
Orchard Bank Classic MasterCards are issued by HSBC Bank Nevada, N.A.* This offer encompasses their Platinum, Gold, Classic, and Secured MasterCards. When you apply, you will be approved for the card that best fits your financial profile.
This offer is ideal for applicants interested in establishing better credit while also carrying a card with built-in benefits. Benefits include acceptance at millions of locations worldwide. Cardholders also receive online account access and e-mail and text message payment reminders. read more…
March 4, 2009
Great news, we will be returning the Orchard Bank Classic MasterCard offers. These were some extremely popular offers that were well received by a lot of individuals. Check back here in the near future if you are interested in an Orchard Bank Classic MasterCard.
March 2, 2009
New Millennium Bank has two new secured credit cards available for those with “less” than good credit. Secured cards are a perfect way for ANYONE to rebuild his/her credit. Be sure to click on the cards below to see the official review for each of these credit cards. Between these 2 credit cards, you will be able to find the secured credit card that is right for you. Start rebuilding your credit today:
1. First Option Visa Card
2. Next Millenium MasterCard
February 16, 2009
CitiBank has released a bunch of updates for 2 of their cards today; the Platinum Select MasterCard and the mtvU Platinum Slecect Visa for College Students.
CitiBank update the purchase APR options for the Platinum Select MasterCard which is now as low as 8.74%. Furthermore, there is a new purchase APR tier system; 8.74%, 12.74%, and 16.74%.
Citibank also has some changes to the mtvU Platinum Select Visa for College Students. The new purchase APR is 14.24% and their is no longer a 0% Introductory Offer for cash advances. Here are some other points of interest for this credit card:
- 0% APR* on purchases and balance transfers for 6 months
- Earn 5 ThankYou Points® for every dollar you spend at restaurants, bookstores, record stores, movie theaters and video rental stores
- Earn 1 ThankYou Point for every dollar you spend on all other purchases
- Earn 25 ThankYou Points every month when you pay on time and don’t go over your credit limit
- Earn up to 2000 ThankYou Points twice a year for maintaining a good GPA
- Redeem points for gift cards, travel, electronics, music, and more
- No Annual Fee
February 4, 2009
 Credit Cards are a way of life. Every day millions of Americans use their credit cards to make purchases on everyday items like groceries and gas, to big ticket items like televisions, airline tickets and hotel stays. Credit cards also offer the safest way to make a purchase in today’s identity theft world. However, just because credit cards are the safest way, that does not mean they are totally safe.
According the federal trade commission, 25% of all identity theft took place using credit cards in 2006. With over 200 million transactions happening each day across the country, credit card identity theft is at an all time high.
If you are worried about identity theft, don’t be, by following these easy steps you will live an identity theft free life.
- Zero Liability Policy – Cost = Free. Most zero liability polices state that once a claim, your money be immediately refunded to you. The credit card company will take the claim from there and do it’s own investigation, and not burden you with the fraudulent purchase. It is imperative that you know and understand your credit card companies zero liability policy as not all are the same. If your credit card company does not offer one of these policies, it is time to get a new credit card.
- Credit Monitoring Service – Cost = $10 – $15/month. Most banks offer credit monitoring services for a small monthly fee. These services regularly monitor reports from various credit history agencies, like Equifax, Trans Union, and Experian, and send out customized alerts when things out of the ordinary take place, like a 20 point jump in your credit score or a purchase outside of your regular pattern.
- Identity Theft Insurance – Cost = $10 – $15/month. Most banks offer this. Identity Theft Insurance protects you where your zero liability policy does not. This covers most forms of identity theft and is a great safety net in case someone decides to target you.
- Photo Security – Cost = Free. Perhaps the best way to prevent in person credit card identity theft. While signatures can be forged, it is pretty tough to make a purchase with someone else’s picture on a credit card. Be careful though, as a lot of credit card identity theft occurs online, and physical pictures become obsolete.
- Temporary Purchase Numbers – Cost = Free. Most banks offer this. A temporary purchase number allows you to make a one time purchase using a bogus number that links back to your credit card account.
Identity theft can be avoided, follow these simple steps and you will greatly reduce your chance of being the next victim.
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.
November 10, 2008
 Discover 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 5, 2008
 Thinking 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!
October 24, 2008
 This is a story that cuts to the core of the major problems of debt in the US. There are a number of people who believe credit card debt will take care of itself. NO! Credit card debt can stay with you for a very long time and may even cause some individuals to file bankruptcy. Compounding bad decision after bad decision can lead to an outcome just like this mother of 6 who couldn’t stop spending.
The Oprah show did a special on money issues and presented the TV audience with this mother of 6, Felice, and her husband, Phil. Her bad decisions of spending led her to lie about the amount of debt she was accumulating.
“Felice spends nearly $60 a week on tanning and manicures. ‘I take care of the bills, so my husband doesn’t realize how much money I’ve spent on hair and nails and extensions. I know I’ve probably spent $3-4,000 just on the cost of the extensions in the last two years.’”
Credit debt can lead to larger, life changing problems if people are not careful. Being smart about spending is definitely a first step towards getting your debt in control. Don’t get wrapped up in uncontrollable monthly payments. Felice offers a good example of uncontrollable monthly payments.
“Phil and Felice really have $135,000 in credit card debt. They also pay $1,700 a month for their three cars. Their two mortgages total $658,000. Because their mortgage is a negative amortized loan, the mortgage will increase by $20,000 every year.”
The point is to keep your spending in control, keep your monthly payment amount in control and keep yourself in control of your financial future.
If you feel that your debt is getting out of control, don’t hesitate to Consolidate Your Debt. It is a good start to getting your finances back on track.
Read the Complete Story from the Oprah Website
October 12, 2008
 Bank of America® has a great offer for students to get some FREE CASH! New applicants will now receive a $25 statement credit after qualifying transactions. Who doesn’t want free money from their credit card.
Students definitely can use free money when it comes to purchasing books, food or general things to have a good time! Bank of America understands the needs to get the most for your credit card and want to give the holder all the opportunity to do so. If you are a student, this credit card can be a perfect match for you.
Below are a list of the current features offered by the Student Platinum Plus® Visa® Credit Card:
- Receive a $25 Statement Credit After Qualifying Transactions
- No Cosigner Required
- No Annual fee
- Online Banking Service
- Total Security Protection®
- Card Issued by FIA Card Services, N.A.
Students should take advantage of this offer right in time for the holidays. What better gift then getting your own free $25 when purchasing gifts for your loved ones! All the details are below to apply for this credit card.
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