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Best Credit Card For Airline Miles – How To Find One & A List Of The Best

March 31, 2012

Best Credit Card For Airline Miles

best credit card for airline miles

When it comes the best credit card for airline miles, these cards are just as it states, the best  for airline miles and not really anything else. They are great for those who travel and intend on using them to buy their plane tickets everytime they travel, which will eqaute to a myraid of flight miles piling up and you getting free flights, but they need to be used very often as if they are used sparingly the interest rates are way to high and you will not reap the benefits. Here are a couple tips that will help you find the best credit card for airline miles that caters to your needs:

  • You want to consider  how you like to travel. Do you travel alone or with your family as some offer costless tickets for companions, or certain upgrades like first class. Considering how you like to travel will allow you to find a credit card provider that really caters to what you are looking for and satisfy your needs.
  • Also keep in mind, when looking for the best credit card for airline miles that there are different point systems, being that some companies award points for certain shopping preferences like retail and grocery store purchases among other as well as points for generic purchases. You can try to find a program that awards more points for shopping at certain shops and stores that you shop at, allowing you to maximize your rewards points.
  • Is there a limit to what you need to spend? Some credit card companies have limits on what you need to spend in order to use your points, so find one that offers a minimum spending limit that is lower that the average of what you spend per year on flights.
  • What kind of interest rates do they have? Most of them have high interest rates, so if you tend to keep a balance they can be more of a burden, so either plan on paying it off each month and/or find one with the best interest rate if you to intend on keeping a balance.

The next section will provide you with information on the different types of airline credt cards and a list of some of the best credit cards for airline miles.

Different Types Of Airline Miles

Now the main type that people affiliate with airline miles credit cards are the ones that are sponsored by a bank or big brand name, which they are provided by financial providers and not flight companies. You basically compile points every time your puchase anything and those points can be used not only to buy plane tickets but they can be redeemed for any other prize that the rewards program offers. Now these can be great as you can use the points to shop around and find the best plane ticket prices, then go with the cheapest provider. One of the best credit cards for airline miles in this category is the:

  • Capital One No Hassle Miles (SM) Rewards Card

When looking for the best credit card for airline miles keep in mind that there are air miles credit cards as well as frequent flyer credit cards, which the frequent flyer cards can provide benefit to those looking for to fly with only one specific airline. If you are looking for something like this, a frequent flyer card can provide you with immense value as you can pile up points with your favorite flight company allowing you to stay loyal, as well as utilize it just like you would any other regular credit card as flight companies actually link up with brand name credit card providers like American Express, Mastercard, VISA and more. If you opt to use this best credit card for airlines option, there are a few drawbacks that you should know about, those being that you cannot shop around for the best prices when you want to use up your points as the points are only good for that specific flight company, as well as frequent flyer credit cards tend to come with both higher interest rates as well and larger yearly feees when compared to the likes of generic airline miles credit cards. As far as the best credit card for airline miles in this category, as few great ones include:

  • Chase Continental World Mastercard
  • American Express Jet Blue Card
  • Juniper US Airways World Mastercard
  • American Express Delta Skymiles

When searching  for the best credit card for airline miles just remember to read the fine print because so providers state that if you are late on your payments your airline miles points can actually be wiped away, leaving you with nothing after all your hard earned work.




How To Find The Best Small Business Credit Card For Your Business

March 24, 2012

Best Small Business Credit Card

Finding the best small bueinss credit card for ones business is often the first thought that comes to mind when one is looking for funding to get things rolling as well as at times when funds are needed to sustain the business. Business loans were popular years ago, but they are getting harder and harder to attain, some people are looking for other options, which good small business credit cards are becoming the best alternative. There are certain things that one needs to look for when searching for the best small business credit card as not all cards are created equal, which below are various different tips that can help you sift through the generic and get one that will coincide with what a small business needs.

best small business credit card

Finding the Best Small Business Credit Card

1.)  Introductory Periods – There are small business credit cards out there that come with anywhere from 6 to 15 months of introductory offers, which these offers range anywhere from a deferred payment grace period where they allow you to not have to pay any payments for a designated period to no interest at all among many others. Getting your hands on one that has 0% APR for the first “X” amount of months can provide you with the freedom of purchasing the neccesities for your business without having to worry about paying any interest at all, which even better will give you enough time to pay off the debt before the interest kicks in. These are just a couple examples of what introductory perks can include, but depending on your business needs, finding the best small business credit card for your company can be done by finding an introducory period offering what would benefit your business best.

2.)  Balance Transfer Access – This is also a big feature that you want to make sure that your small business credit card has if in fact you plan on transfering old high interest balances then look for a card that offers either a flat transfer rate or one that has a cap on the charge amount.

3.)  Rewards – Trying to find a card that offers rewards programs can really provide you with the best small business credit card as you can use these rewards and redeem them for cash, allowing you put your cash rewards right back into the business.

4.)  Low Interest Rate – Now this goes without saying as the best credit cards for small businesses are ones with the lowest interest rates. The best way to get the best interest rates on your credit card is to apply with the best credit score, which if you have partners in your business, all of you should do a credit check and find out who has the best credit score. Whoever has the best one should apply for the credit card, but needs to be a partner to be a cosigner.

5.)  Do A Background Check – This is one of the most sure fired ways of finding the best small business credit card, which you want to check different forums and blogs who have reviewed or are talking about the credit card that you have honed in on. This will allow you to get reviews from real people who have used the card already, providing you with valuable information that the credit card provider may not tell you.

One Of The Best Small Business Credit Cards

To give you a head start, one of the best known credit cards for small businesses is the American Express Business Credit Card which offered a 0% introductory rate for the first 12 billing cycles. Other perks of this best small business credit card option include:

  • Making a payment either in full or over time.
  • A Memebership Rewards Option program that one can apply for free for which offers a host of different rewards like airline points and hotel points among others.
  • A community program where you can network with other business owners as well as get expert advise.




No Credit Check Credit Cards – Overview & A List Of Providers

March 18, 2012

No Credit Check Credit Cards

When it comes to no credit check credit cards, we never like to be the bearer of bad news but the fact of the matter is that every credit card company is actually held liable for doing credit checks on all of their applicants as it is against the law not to do so. Unfortunately applying for a credit card with bad credit can result in being declined or if you get one then the rates can be very high as well as come with very restricted montly limits. But don’t let this deter you as there is a fantastic alternative that you can utilize that can compensate for the fact that no credit check credit cards are not attainable, which this alternative can turn out to work to your advantage, check them out below!

no credit check credit cards

The No Credit Check Credit Cards Alternative

Pre-Paid Credit Cards

This is proabably the best option to consider as it not only suffices your need for a credit card, it also provides you with a spending limit decided by you which will help you not spend over more than you can afford, which will keep you out of credit card debt! This option requires that you put up cash each month for your spending money, and are easy to get, which best of all there is no credit check for these credit cards. Another positive aspect about this no credit check credit card is the fact that it can actually repair your credit overtime allowing you to attain a higher credit score and be able to obtain regular credit cards with better interest rates and higher lines of credit. It should be known that these no credit check credit cards can come with monthly fees as well as annual fees, but there are a bunch that offer these fees at very low rates, some of the best include:

  1. Account Now Prepaid VISA Card – 0 monthly fees, 0 annual fee.
  2. Upside VISA Prepaid Credit Card – 0 monhtly fees, 0 annual fee.
  3. Capital One Reloadable Prepaid MasterCard – 4.95 monthly. 0 annual fee.
  4. REACH VISA Prepaid Credit Card – 8.95 monthly, 0 annual fee.

The other major benefit of having a prepaid credit card is the fact that you can use it like having cash but don’t have to car around cash in your wallet. You can also use it pretty much anyhere that credit cards are accepeted and you are insured by the FDIC for up to $250,000. The main thing to keep in mind when applying for a these no credit check credit cards is to make sure and read all of the documents they provide you with in their entirety as often times there can be extra fees that may be left out.

If you end up apply for a credit card through a big name provider, then make sure that you get a credit check from a reputable provider, a couple of those being, Equifax, Experian or CallCredit. Doing this will not only allow you to find out what your credit score is and see if it is good enough to become eligible for the credit card, but it will also give you an opportunity to search for mistakes on the credit report, which happen all to often, which when corrected they can boost your credit score significantly. The last thing that you should keep in mind when looking for no credit check credit cards is that there are providers or offer credit cards designed for those who either have a bad credit score or no credit score, which these cards can offer you a better alternative to using a credit card offered by a big named provider.



Instant Credit Card Approval – Overview & Tips For Qualifying

March 10, 2012

Instant Credit Card Approval

The internet has really revolutionized the financial world, enabling one to have things fast, with anywhere from instant loans like easy loans to instant credit card approval, satisfying our need of having it “right now!”. These instant credit card approval opportunities can come to you in both the mail, by phone as well as by browsing various credit card providers websites, all of which can qualify you for a credit card literally within minutes.

instant credit card approval

Either method will lead you to the website which will present you the first portion of the process of getting your instant credit card approval, which instant is sort of a relative term as the process isn’t completed instantly, but very fast. But before you start the process of instant credit card approval, you should know that there are sites out there that allow you to compare side by side different instant credit card approval providers and their terms, allowing you to go with the provider that will offer you the best experience.

Once you have found the best option, all you have to do is begin the process which will consist of filling out simple personal aspects like your name, address, social security number, phone number as well as your place of employment. These applications are usually looking for a more permanent address from their applicants, like living in the same place 6 months or longer, but if you haven’t lived at your current location that long, then they may ask you to provide your previous address.

If you are weary about including your social security number during the instant credit card approval process, there is no need to worry as the process is secured and the only reason they need this is to check your credit score, which your credit score dictates your eligiblity.

Pros & Cons of Instant Credit Card Approval

You are now familiar with the benefits of instant credit card approval, that it can bring you:

  • Pretty much an instant line of credit
  • Credit card approval within minutes or less
  •  You can start using this card within a couple weeks, usually much less.
  • The other major benefit includes being able to enjoy these benfits as well great interest rates and terms if you happen to have a positive credit score, which even if you have a moderate credit score there are good chances elibility .

ow some of the negative aspects or instant credit card approval include:

  • Your credit score dictates eligibility, so if you have a negative credit score then you will either get rejected and have to work your way around to other companies until you are accepted, or you get accepted but due to your low FICO credit score then you will get bad terms and interest rates.
  • Getting rejected can affect your credit score, especially if you apply for another instant credit card approval offer shortly thereafter, as again these credit inquiries add up and look negative to a credit bureau.

Tips For Getting Instant Credit Card Approval Qualification

Due to the fact that your credit score dictates the outcome of your applicatoin for instant credit card approval, the best thing to do is to check your credit score before you apply, which will allow you to get a feel for what it is as well as present the opportunity to spot any errors on it. These errores can then be corrected and boost your credit score, which in turn will give you a better credit score which will provide you with a better chance of getting instant credit card approval as well as provide you with better interest rates if you are eligible. The law provides you the opportunity to attain one free credit score a year, so you can utilize the free check to try and boost your credit score through correcting errors.

What To Do If You Are Not Approved

Before you complete the process, be sure to read the terms and conditions in their entirety then click “submit”. If your credit score is good, then good chances are that you will be approved which you will know within seconds to at most minutes, and be able to get your credit card in the mail within days or a couple weeks. But if you happen to not be approved, there are two things you should do,

  1. The first being you will want to contact the credit card provider and ask them why you were not approved, as they can provide you with information that can help you next time you apply, or even offer you with valuable information that can equate to you actually getting instant credit card approval afterall.
  2. Next you can try to apply for other instant credit card approval offers, but not immediately, you will want to wait a few weeks or even monts because everytime you fill out an instant credit card approval offer, you are allowing the credit card provider to check what your FICO credit score is for eligibility purposes, which are referred to as “credit inquiries”. These credit inquiries can lower your credit score if there are to many of them at one time, so it is best to space out your application process for instant credit card approval offers. So considering this fact, try not to apply for multiple instant credit card approval applications at one time, just focus on one and wait for the outcome and go from there.

How To Get Consolidation Loans For Bad Credit

February 27, 2012

Consolidation Loans For Bad Credit

Consolidation Loans For Bad Credit

You can get consolidation loans for bad credit that can really help you get out of debt once and for all and not have your credit affect your ability to eliminate this debt. This first option that you can consider is getting a worth co-signer, which if you can get one it can be a very valuable thing to have that can result in better interest rates as well more lenient repayment terms. If you are able to obtain a co-signer when applying for consolidation loans with bad credit, you have the option of having the loan tranferred to your name later on, usually after 1 to 2 years of ontime payments.

This is one way of obtain consolidation loans for bad credit, but you can also qualify for loans regardless of your credit score but they may come with higher interest rates as well as the possibility of you needing to provide collateral, which is something valuable that the lendee puts up which is to be taken it they do not make their monthly payments.

Other methods that have been used to attain bad credit consoliation loans are borrowing against things like your home or taking out equity to pay off debts, as well as borrowing against ones car. If these options to do not apply to your situation, then the next section will provide you with other alternatives.

Finding Reputable Companies That Offer Consolidation Loans For Bad Credit

1.)  There are various ways to find the best rates on consolidatoin loans for bad credit, which a great way to do so is to search online on sites that offer comparisons on rates of different credit card consolidation companies. When you find one that you wish to do business with, always meet in person when doing the paperwork, never fill out anything or offer any personal information online.

2)  If you are uncomfortable applying for bad credited consolidation loans, then a great alternative can be visiting a bank or a credit union, which credit unions are known for offering much better interest rates on their loans as well as offer better eligibility odds when it comes to those with bad credit scores, compared to the likes of banks. You can also consider going through a non-profit organization for consolidation services, which you will want to make sure they are infact a non-profit organization, which you can do so by demanding their non profit documentation.

3.)  You can also meet with various lenders and compare their rates, allowing you to go with one that provides you with the best interest rates.

The main thing to keep in mind when searching for a company that can provide you with a consolidation loan for bad credited is to make sure they are repuatable, which the best way to do so is to contact the Better Business Bureau (BBB) whom keep tabs on a myraid of different companies and know whether or not they provide honest services. The most reputable companies offering consolidation loans for bad credit will actually have the BBB logo on their website, which you can also verify consolidation companies at you states auditors office.

Requirements For Consolidation Loans For Bad Credit

When meeting with a bad credit consolidation loan lender, you will need to prove a couple of aspects about yourself, those of which include:

  • Proof that you are a US citizen, or a permanet resident.
  • Be 18 years or older.
  • Proof that you have a job as well as documentation of what you are earning. This will both provide the bad credit debt consolidation company with the confidence that you can pay your monthly payments as well as information needed for them to cater a good repayment plan that you can afford.
  • That you have lived in the same place for a minimum of 1 year.

You will need to prove a minimum of 6 months of employment history, as well as a list of all your expenses that will show if you can truly buget in an additional monely payment, which you can prove that you can by creating a budget of all your expenses and proving that you have extra money each month to do so.

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