Accept Credit Card On Your Web Site

  Accept Credit Card On Your Web Site  - May the Best Credit Card Win  - Mar 9, 2007  

There are hundreds and hundreds of searches for credit cards. Finding the perfect one may be hard for some to do. Researching a card and finding the best rate for some is a hassle. Looking for a good credit card and choosing the right one for many is a dreadful task. Searching for a good credit card and knowing what to choose can be confusing if one does not know how to research. Looking for the perfect card can take time. To make a search effortless many sites have been developed to help customers trying locate the perfect card. Many of these site help customers find a credit card company that offers the best deals around. In which these sites are most helpful for applicants searching ways to narrow down their search. By narrowing down the search applicants are able to discover the best cards rated as the top ten best choices of customers searching the net.

Finding the perfect credit card is might be difficult for some, that why it is important to limit your search by entering in your search the best credit cards, there are many sites available that offer assistance for locating the perfect card. Many of these sites display their own top ten choices. Listing the best credit card and describing the best offers included with each card. Even though their top choices for the best credit cards show many listings, does not mean that you are required to agree with their top choices. However these sites are most helpful for narrow down the search, as well as help searchers get familiarized with the different card programs. Many sites display the APR, and the credit cards monthly service place. Each site gives a description about the card and the cards link, for customers to apply. The nice thing about these credit card websites is that you do not have to search for hours on the web looking at one credit card Company at a time. They offer customize searches that help searchers locate the plan they need or fits them best. They highlight the cards rating so searchers and applicants know that what they are choosing.

The site displays reward plans that include airline miles and packages. They list cards in a certain order allowing searchers to compare prices, with other leading card businesses. Many of these sites show the cards no annual fees and if a card charges annual fees the site will display that price too. Some sites about 10 credit cards on their website. While other may allow customers to choose from 1 to 150 card businesses listed on their site. These sites usually have a search engine for customer to search for other leading cards. Because there are so many cards listings displayed on the internet search. These sites not only help customers narrow down their search, they make it easier for customers to research the best offers that financially fit their needs.

  Accept Credit Card On Your Web Site  - Benefits and drawbacks of a prepaid credit card  - Jul 5, 2007  

For credit card holders prepaid cards or prepaid credit cards as they are known popularly, bring welcome relief from many absurd fees and finance charges. Prepaid credit card bring heaps of benefits and few drawbacks. Besides, bringing immediate relief from exorbitant credit card fees, they also promote financial discipline. Since, you can only use what you have with prepaid credit cards, there is little chance of going overboard and impulsive buying. This article takes a look at some great and some not so great things about prepaid credit cards.

  • Prepaid credit card are very easy to get, often they come with guaranteed approval, no employment verification, no credit checks and very little documentation hassles.
  • With many retail stores offering prepaid credit cards, they are never too far away. In addition to these the prepaid credit cards can be purchased online.
  • An excellent thing with prepaid credit card is the financial discipline it brings and the freedom one gets from paying late fee, over the limit fees, and finance charges at the end of every month. In fact there are no bills to be paid at all.
  • With the sound backing of Visa and MasterCard prepaid cards have a wide acceptability. In some cases they are even more acceptable than credit cards. Because of the fact that in case of a dispute, the credit card company stands with the credit card holder, some merchants are reluctant to accept some credit cards, but even they gladly accept the prepaid credit cards.

Coming on to the bad things about prepaid credit cards

  • Prepaid credit cards have a costly setup fees associated with them. This fees can make your purse lighter by any amount ranging between $5 to $90.
  • Prepaid credit cards provide free loading options at only some preferred locations, and if you want to load them at other retail outlets there is a loading fee. So you have to pay to get money into your prepaid card.
  • Prepaid credit cards don't come into your pocket unless you have paid in cash for them. This is a very sticky situation for those with bad credit ratings, cash strapped and on a tight budget.
  • Some prepaid cards charge you when you withdraw your cash using the ATM's . This gives a very uncomfortable feeling since you deposited the money into the prepaid cards, and when you want to withdraw some you have to shell out some fee, every time.
    Prepaid credit cards are not a good and valid option for recurring payments such as magazine subscriptions etc.

Prepaid credit cards though have few drawbacks, but even these are nothing as compared to the drawbacks of credit cards. The very fact that you never get into debt, never incur late fees, never have constant threat of bankruptcy nagging you and there is nothing to repay anything to anyone at the end of the month makes them a worthy choice.

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