We are glad to draw your attention to the most wanted credit offers by Visa, MasterCard, Discover and American Express companies, standing for symbol of reliability and success all over the world. Irrespective of your FICO score you’re guaranteed to find online bank offer for affordable credit card.
Take your time to analyze credit offers applicable and make your choice with us, using our totally secured direct links to credit institutions.
As you’ve noticed the overwhelming majority of bank offers presented are intended for American citizens. Nevertheless, we do cater some of credit deals intended for foreign applicants.
These are UK credit offers and online bank applications for Belgium and Canadian citizens for people with good-to-excellent credit history. Feel free to compare bank offers available online, take into account all the features they possess, and fill out application, corresponding to your credit rating and satisfying your needs!
Making application online you save your time and nerves enormously. First of all, offers of all top banks are at hand, and you can compare them side by side. Secondly, you might be eligible for instant online approval for a card. Regard instant approval offers, get approval online and use your cards’ number for Internet shopping at once!
Whatever your purpose of using your card is, whatever bank you’re going to address, verify your eligibility for online credit offer you’ve chosen. Banks’ denials do hurt you FICO score, therefore it’s important to apply for offer you’re likely to be approved for.
Address national credit bureaus, such as TransUnion, Experian or Equifax, or some other respective resources, and get your credit report and FICO score online to navigate through the mass of bank applications easier. Compare offers you qualify for and select one with the most tempting terms! Having FICO score exceeding 749, you have nothing to worry about. The best online offers are at your disposal, just think, which of them will do you good. Compare Blue American Express application and Discover Platinum credit offer and apply for a card, you’ll be proud of!
From time-to-time, we hear of ways to lower your credit card’s APR. “Just pick up the phone and call your bank,” they say. If you’ve tried to do lower your cards APR, you may find that it’s not that easy. You do have to do the work to get your annual percentage rate lowered. The upside: you can get your rate lowered. The downside: It may not happen for a few months.
1. Maintain an excellent payment history. Make sure your payments are on time. On time payments, in my opinion, reflect positively on your ability to get your APR lowered. When talking to the customer service representative, stress the fact that you have not been late with your payments for X amount of time. Also, stress how long you’ve been with the company. Talk up your sense of customer loyalty.
2. Do your research. If you APR is too high and you want to take your business somewhere else, be sure you’ve done your research. When you’re on the phone with the representative, have the most attractive offers in front of you so you can cite the reasons why you’re thinking of a balance transfer.
3. Be polite. This one can not be overstated: Be polite, be polite, be polite. These men and women work hard at their jobs for hours on end. Clearly they’ll respond more positively to someone who treats them with respect than they will with someone who is demanding and rude. (Plus, you have to figure that they deal with angry and irate customers all day long.)
4. Keep climbing up the ladder. Remember, these men and women are trained professionals. Be courteous and calm when they deny your request the first time (because they will). Ask for the supervisor. Often times, they’re the only ones able to approve such questions.
5. Be persistent. Sometimes you’ll be denied and there’s nothing you can do about it. It frustrates me when this happens as I often think of myself as the customer service king. But even for those of you who don’t take “no” for an answer, sometimes there’s nothing else you can do. Work on getting your finances under control and make the call a few weeks or a few months down the road.
The financial gurus paint a rosy picture about lowering your APR. It’s not as easy as it looks. Often times, people hang up feeling more frustrated and helpless than they did when they made the call. Be mindful of the process and the work involved.
Credit Card FAQ
With the ever rising reports of credit card fraud, fraudulent use, internet phishing and identity theft, people are rightly concerned about credit card security. Fraudulent credit card use can be an annoyance at best, and seriously damage your credit at worst. It’s only reasonable that people have questions about credit card security and authentication methods. Here are some of the most frequently asked questions about credit card security.
1. How does the ATM or store terminal know my PIN number?
PIN (personal identification numbers) are the most often used way to authenticate your identity when you use your credit or ATM card. When you first choose your PIN number, it is ‘encrypted’ – stored in a secret code of letters and symbols – and either stored in a database or on the magnetic stripe on the back of your card.
2. If my PIN number is stored in a database, doesn’t that mean that bank or credit card employees have access to it?
The encryption method that’s used by ATM and credit cards is called ‘one-way encryption’. It makes it easy for the bank’s computer to verify the PIN given the bank’s key and the PIN, but nearly impossible to extract the PIN in text form from the encrypted database.
3. How does the machine ‘read’ my card?
The stripe on the back of your credit or ATM card is called a magnetic stripe. It’s actually made up of thousands of tiny magnetic iron-based particles. The card can be ‘written to’ much the same way that the hard drive on your computer can be written – by means of magnetic interaction changing the charge. Written into the stripe are your account number and identifying data. When you swipe the card, that information is read and sent via modem to an ‘acquirer’ – a company that ‘acquires’ a payment guarantee from the credit card company based on the information stored on your card’s magnetic stripe.
4. Isn’t buying on the internet dangerous and insecure?
Honestly? Your credit card information is in less danger being transmitted over the internet than it is when you hand your card to a store clerk at the counter. The real danger to your credit card information isn’t from hackers hitting online merchants, or stealing your credit card information via modem or phone lines. The real internet security dangers come from two different directions:
a. Hackers using back doors to get into the records of banks, credit card companies and data repositories.
This is the biggest danger. It’s also a danger for stores and companies that have records ‘online’ for billing purposes. There’s a great deal being done to improve security of data repositories, which are far more vulnerable than any data transmission stream.
b. The second big credit card security danger is the practice that’s sometimes called ‘phishing’. In this case, the credit card thieves trick you into giving them your identification and credit card data. They may do this with an email purporting to be from an official of your internet service provider or email, your credit card issuer or anyone else. They also may build sites that are identical to sites like Paypal, American Express and others for the express purpose of capturing your information so that they can use it.
5. How do I protect myself from phishers?
First, never provide your social security number or other identifying data to anyone without first verifying that they are exactly who they say they are. Experts recommend that you never use the link provided in an email to go to the site of someone you do business with. Instead, open a new browser window and type in the known address by hand