Credit Card On Line

  Credit Card On Line  - 3 popular bad credit credit cards: Get guaranteed approval and rebuild your credit history  - May 17, 2007  

Finding the right credit card if you have a not so perfect credit history can be quite a daunting task. Bad credit people frequently find that their credit card request are denied by major credit card issuers. A guaranteed approval credit card comes as a welcome relief to all such people. In this article we take a look at 3 popular guaranteed approval credit cards.

These credit cards have one thing in common - they are designed for bad credit people. The use of these credit cards are reported to major credit bureaus and this can be a vital thing for bad credit people. Using them will help such people improve their credit history (provided they use it wisely). Getting one such credit card is an opportunity not to be missed. Let us look at these offers.

1. The Imagine Gold Card

It reports to all the three major credit bureaus, being an unsecured card, it offers regular credit line increases. The card document says that all applications are accepted subject to credit card terms and it welcomes people with less than perfect credit.

2. USA Gold Shopping Card

This credit card doesn't check your credit and has no employment verifications. There are no turndowns and it provides guaranteed instant online approval (subject to credit card terms). The USA Gold Shopping Card gives $5000 unsecured gold credit line for their merchandise and it regulary increases credit limits of qualifying applicants. The USA Gold Shopping Card reports the credit card activity to all major credit bureaus, thus helps rebuild credit history. As a plus this card gives a $300 grocery coupon after enrollment to its applicants.

3. Platinum Plus Merchandise Credit Card

An usecured line of credit the Platinum Plus Merchandise Credit Card, has no credit checks and employment verifications and approves applicants with no credit or bad credit. Platinum Plus Merchandise Credit Card offers credit limit increases to those who qualify and the approval is guaranteed when qualifications are met. It has an exclusive shopping club for its members which has a huge inventory of over 16,000 products.

These three credit cards offer a wealth of benefits to those with poor credit or no credit. The fact that they offer guaranteed apporval makes them particularly attractive. The terms and conditions of these credit cards can change anytime without notice. The issuers of these credit cards keep on adding attractive benefits for those with bad credit. So, it is advised to check with the credit card issuer for the latest on the credit card. And not to forget, reading the fine prints carefully can avoid unpleasant surprises later. Go ahead, rebuild your credit history with these credit cards.

  Credit Card On Line  - Got a credit card upgrade offer? Think before you leap  - Jun 5, 2007  

So, you just got a pre approved credit card upgrade offer in your email for that exclusive platinum credit card, and you just can't stop talking about it.

Pre approved credit card upgrade offers generally come to those who have consistent good credit history and have maintained a good relationship with an existing credit card provider. Credit history being one thing, there is another face to this particular issue. Credit card companies want to promote their products especially the top end products to customers who they find worthy. This gives a sense of pride to the customer and vital business to the credit card company. So, the situation is a win-win one.

Now, here comes the tricky part. The credit card company wants you to sign on the dotted line, flaunt your plastic and go on a shopping spree. But are you wise enough to see the details? Before you jump and grab the offer here are few points that should concern you if you are financially wise.

The annual fees

Upgrade offer come with lucrative rewards showered on you, as if you are the most important person for the credit card company. These could be fabulous travel points, free gas, merchandise discounts etc. etc. The offers are good but at what cost? Checkout the annual fee of the upgrade offer and don't be surprised to find fees in tunes of 100's of dollars to be shelled out to the credit card company on an annual basis. Yes, bitter facts are sugar coated.

The true cost of reward points

Ok, you got an offer of 25,000 bonus points, but what is it good for? When can you redeem it? What are the limitations to the reward points and more important how much will you have to spend from your pocket to get that reward in real terms. These questions might lead you to the dark area of fine prints, with surprise terms that could open your eyes to the stark reality of bitter credit card truth.

The minimum spending limits

This one is the real thing that is the biggest money earner for credit card companies. Those exclusive offers have a price tag. The upgrade offer wants you to spend at least a small fortune to get into that exclusive club. Are you ready for it? Or, will the burden of exclusivity kill you? It is for you to decide.

The upgrade offer for a exclusive credit card isn't all that rosy. Garbed in cool temptations and exclusive content are terms that earn money for credit card companies. So, if money isn't much of a worry for you and getting into that exclusive club of credit card owners matters more, by all means go ahead for it. But, if things are still on the edge it is definitely better to give it a second thought.

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