Union Plus Credit Card

  Union Plus Credit Card  - Liberty Union Debit Card: Great budget management with credit builder features  - May 31, 2007  

Ever wanted a prepaid debit card which has the convenience of credit card and comes with simply excellent features? Liberty Union Debit Card is for you. Safe and great for travel expenses this debit card, works like a credit card but you can spend only the amount you load into your account. The result, great budgeting a habit which pays for the entire lifetime. Let us take a close look at what all this Liberty Union Debit Cards has in store for us.

Like all other prepaid cards in the market the Liberty Union Debit Card, does not do any credit checks or verifications for issuing the debit card. This means a debit card with no employment verifications, no security deposits, no credit checks and there are no turndowns.Of course, the Liberty Union Debit Card will be issued according to the terms and conditions of the debit card company but, almost everyone gets accepted.

The fees associated with Liberty Union Debit Card is pretty low and there is no need for check cashing locations. With every issued Liberty Union Debit Card the company provides impeccable toll-free phone support, online and offline access and you don't even require a credit check or bank account to get the Liberty Union Debit Card.

Purchasing the Liberty Union Debit Card is very easy and there are multiple options to place money on this prepaid Visa card. The Liberty Union Debit Card holder can withdraw funds or make purchases up to the balance on the card. There is no overdraft facility available. And this means that there are no late fees or interest charges to be paid to anyone. Now, that's real cool.

The conveniences that comes with Liberty Union Debit Card are simply great. It eliminates check writing hassles, there are no security deposits, with the Liberty Union Debit Card you can pay your bills over the phone, and it keeps your money safe. The Liberty Union Debit Card replaces all your money and eliminates the risk associated with carrying cash.

The Liberty Union Debit Card works wherever Visa is accepted. A very powerful debit card it allows online as well as offline shopping with great security. These great features make the Liberty Union Debit Card offer very attractive to own.

  Union Plus Credit Card  - 5 Little known credit card secrets that should never be missed  - Nov 12, 2007  

We all like secrets, don't we? And, yes credit card companies do  have their own secrets. As true with all other secrets, only a privileged few know about these. Many have found out them after harsh experiences, why don't you simply check them out and benefit from others experiences? 

1. Universal Default Clause

By far the most dreaded and most underrated secret, the universal default clause is a legal whip in the hands of credit card companies by which they can jack up your APR's if you default anywhere. Be it a late payment for your phone bill, electricity bill or any other bill, credit card companies can use it as an excuse to increase your interest rates and withdraw any reward programs. So, be careful and read the fine prints. If it says 'Universal Default Clause', its time to shy away from that credit card. After all the market is flooded with other offers and a little bit of shopping can save you a lot of trouble.

2. Due dates can change

Believe it or not, some credit card companies like to surprise you with changing due dates. The obvious reason is to catch the credit card holder unaware and slap late payment penalty and default APR on the hapless consumer. Those who have habit of presuming things should watch out this one carefully. Credit card companies often spring up surprises. So, unless you have everything in writing, including the fact whether the due dates will be fixed or change, you should read that monthly credit card bill very very carefully, every bit of it.

3. Credit Union Cards are money savers

Very popular among smaller communities, these credit cards bring in a welcome relief when it comes to interest rates and other penalties. Though they come with limited acceptability, however they can save quite a sum with their low rates.

4. Annual Fees and Late Fees can be waived

Yes, credit card companies love good customers and if you have an exceptional credit history and repayment record, you can ask for reversal of late payment penalties and annual fees. You'll be surprised how a single phone call can save you a lot of money, but remember, asking is the key and the results will be better if you have a option with you, which can be used as a leverage to put your point forward. I hope you get the idea.

5.Life is perfectly well without the insurance that come with credit cards

After paying out huge sums, many people have found out that credit card insurance are pretty much overpriced, don't eliminate the debt and just delays it by some time. Another such trick is credit card security insurance, which protects against unauthorized charges when your credit card is lost or stolen. But according to federal law you are liable for just $50 if you report the case and most of the credit cards come with a $0 liability insurance. So, what is the point in burning hole in your pocket when you can do without any such insurance.

These things can matter a lot if we know about them at the right time. Credit cards are good if we use them wisely and pay the balances in full every month. This gives us a ' free credit' and doesn't incur any interest. However if a credit card holder throws the caution to winds, credit cards have ample potential to throw his entire life out of gear.

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