Want To Apply For Bad Credit Score Car Loan Access Online Car Loan Sites and Go Ahead

August 23rd, 2011 by admin

Bad Credit Loan Sources

Bad Credit? No Credit? No Problem! Guaranteed Approval Loans Are Available Up To $25,000 more info…

How do I refinance my home with slightly bad credit?

We have to refinance our home by January or face a balloon payment. Our credit is not the best and we have had some late house payments. We do however have wonderful credit through our credit unoin and have never been late with any loans through them(car and camper payments and a past loan).They do not handle conventional home loans though. Our bad credit is mostly medical debit. Does anyone know of a place that will work with people in our situation? We don’t want to lose our home.

Answer
You might have to go with a personal loan from the credit union and just bite the bullet with interest.

Your other option is the bank you are with presently, they might refinance you instead of foreclose.

It does not matter who you are screwing over, not paying your bills results in situations like this. If you dod not get a loan by January your credit will take another hit of over 200 points.

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How to apply for a secured credit card

June 1st, 2011 by admin

What are the secured credit cards? A secured credit as the name suggests is a credit creation and is backed by security.  It is a truly innovative solution, where the credit card companies have stepped in the role of a lenders and banks which give loans and mortgages. Credit cards are usually known as the digital money or plastic money. They are usually of two kinds, secured credit cards and prepaid credit cards. In case of a secured credit card, the security is deposited in the form of cash to the credit card company. Moreover, this money is placed in the deposit account.

In fact the credit that can be used by the card holder is given by the credit card company on the basis of the deposited amount. Furthermore, it is compulsory for the credit card holder to deposit at least 100-200% of the credit value. Choosing the right secured credit cards is very important. This involves the process of collecting all the information of a credit card company, calculating your monthly exchange as well as the service charge levied by the credit card company. Importantly, these charges must not exceed your monthly budget otherwise the transaction will become too costly to handle. In addition, getting a secured credit card depends a lot on your credit history which involves aspects like good and bad credit score. There can be hundreds of reasons for a bad credit score. FICO score is the most widely used credit scoring system. However, your credit score depends a lot on what kind of loan you are applying for. In case you are applying for a home loan and your credit score is less than 620, then it is considered a bad credit score.

Moreover, if you are a college student having a bad credit history and looking out for credit cards with bad credit, your APR (Annual Percentage Rate) would be higher and the fees would be lower as the credit card is issued for the students. Therefore, planning your expenditures for at least one billing cycle is very important. In fact you can choose from among the two kinds of APR, namely floating and fixed. Truly speaking, the fixed APR is better between the two because it avoids the circumstances when the APR might immediately shoot up one year and cause you immense harm. Apparently, a floating APR usually floats in a particular bracket affecting your monthly budget greatly.

The next important aspect to consider is the security required for creating the credit. You would be happy to know that since it is a student credit card, it is not compulsorily a secured credit card. However, there are many credit card companies which demand a certain deposit that is equivalent to the credit limit of your card. Finally, if you are planning to get a secured credit card, consider three aspects, namely the APR, the security deposit that you have to provide, and finally the credit limit of your card before finalizing a particular company. All these things must be good enough and well suited to your budget.

Richard Towler is the author of this article on Secured Credit Cards 4U. Find more information about Bad Credit Credit Cards here.

What is the difference between a secured and unsecured credit card?

I want to go on a trip and rent a car and get a hotel room. I have a credit card but it is over it’s limit and I applied for a credit card and got rejected. I don’t know what a secured credit card is. Can a secured credit card be used the same as a normal one. Do you put money on it like a debit card? Any help will be helpful. Thank you.

Answer
First pay down the card you have.

Yes s ecured card is simply that a credit card you secure with funds of your own. In certain cases the credit card company may offer you for a $250 deposit $500 to $1,000 in credit at the fantastic rate of $29.9% plus. These credit cards are rip offs and should be avoided like the plague that they are.

You have a credit card. Pay off some or all of your balance and then take your trip. Or better yet. pay off your credit card, save the money you need and then take your trip.

Good luck, I would stay away form any guaranteed card. The fees are high and the convenience is low.

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Things To Remember When You Apply For A Best Credit Card Offers

May 23rd, 2011 by admin

The use of a credit card can be a double edged sword. You can either use it optimally to build your credit rating, or you could do things that you shouldn’t do with it and live with the consequences for years. Before you apply for a credit card offers, read this story to see what you’re going into.

Take for instance a mother of three who used to work as an accounts manager in a prominent marketing firm in New York City. For privacy purposes let’s just call her Gina.

In 2004, Gina joined the company and was tasked with handling the campaigns for their new clients. The first account that she handled was a raving success and her pay grade was suddenly bumped up to a very significant degree.

How significant?

Well, let’s just say that one of the perks that she got was a new Toyota Prius, courtesy of the company.

She already had a credit card and decided that she needed an upgrade to increase her buying power as well as to make it easier for her to buy more. After all she’s a big shot now, in charge of managing the advertising and marketing portfolios of several Fortune 500 companies.

Over time, she was able to rack up over $100,000 dollars in revolving debt. That’s not a problem since the income from her job helped her meet the monthly payments. While she was doing this, she was also in the habit of maxing out her new credit card. Her husband was getting worried, but she always kept on promising him that her new accounts would pay for the debt.

Best Credit Card Offers

Now one question that could be bothering you is why Gina got another credit card in the first place.

The answer lies with the advertising that barraged her, offering the ‘best credit card offers’.

Experienced holders of credit cards know that credit card companies lure customers by means of these special offers. When you apply for a credit card, some of these could include:

• Low interest rates

• Low monthly APRs

• No annual fees

• Fraud Protection

• Travel Accident Insurance

To be sure, there are many variations of these so called ‘best credit card offers’. There’s nothing inherently wrong with them if you look at them. The thing that gets most customers unaware is the finer print and the exclusions.

For Gina, it was the low introductory APR that got her. She didn’t know exactly when that introductory offer would expire and frankly she didn’t care that much.

But then it expired. The bank then charged her astronomical rates. By the time the adjusted rates got to her, she was in disbelief. She called the bank and told them that they’ve made a mistake. But then she was appalled by their response which came out to the tune of, ‘There was no mistake, please take a look at your loan terms in section so and so.’

Be Careful What You Sign

Affixing your signature in a very long legal document contains many implications. At the end of the day, it won’t matter what the bank advertised about their ‘best credit card offers’. When you apply for a credit card, always, and this point needs to be emphasized clearly – always look at the exclusions and special clauses governing the agreement. When you sign these documents, you are practically saying ‘yes’, to everything that the banks say in it.

There is no legal recourse and you can’t claim ignorance if a particular clause you didn’t understand plays out to the advantage of the bank. You need to be extra careful and treat the documents that you sign with the utmost care and understanding.

Going back to Gina, by 2009, it all went down in flames. The company that Gina worked for was severely affected by the economic crash. Practically everyone had to go and find a new job. Gina was shocked at the seeming inopportune timing for such an event.

‘When it rains, it pours.’

There was no choice for Gina. No amount of haggling and negotiating ever got her anywhere. Her anger turned to sadness, and her sadness turned to despair. Not only did she have to sell the Prius, but she had to sell it at less than half its fair market value. She then had to work two jobs in one day just to pay for the credit card bills. She’s fortunate that her husband still has his job.

Credit-Land.com offers consumers the chance to see the best credit card offers or low interest credit cards in the market today by offering an easy to access chart displaying the many offers of various credit card companies. If you want to know more about the options available to you, visit credit-land.com

Can anyone recommend a fair credit card for people with poor credit who are on the road to reestablishing it?

Does anyone have first hand positive experience with a secured or nonsecured credit card company in this regard?

Answer
If you can’t get a credit card because of poor credit, go for a secured credit card. Which means your credit is whatever you have in their account. If you open up an account with $500, then $500 is your credit limit on that card. Yes, I do know it’s difficult to do when you don’t have the funds. And yes, I do realize that it doesn’t seem like much to work with. But trust me, it’ll help you build your credit history. Your credit report doesn’t say that it’s a secured credit card. Just make sure you keep up with the payments. Build up some credit. Eventually you’ll be able to get an account that isn’t secured. It takes some time, but it is worth it.

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What You Need to Know Before You Apply for Secured Credit Cards

May 14th, 2011 by admin

If you’ve been facing credit challenges and haven’t been able to obtain credit, you may be getting ready to apply for secured credit cards. Before you do, you need to realize that not all secured cards are created equal. Here are some things to consider before submitting any secured credit card application…

The Deposit

When you apply for secured credit cards, make sure the cards you’re applying for offer reasonable security deposit requirements and that they allot 100% of that deposit to your line of credit. There’s no reason to provide a deposit of $500 if the card will only grant a credit line of $250.

You’ll also want to make sure your deposit earns interest. You’re going to be paying finance charges on any balance you don’t pay off in full, so it’s only fair that you earn interest on the deposit the bank is holding for you.

The Fees

Not all secured cards charge the same fees, and you need to know exactly what fees you’ll be paying before you actually apply for secured credit cards.

An annual fee is acceptable, and may even be expected if you want to pay a low interest rate. Application and processing fees, however, are not. If a credit card company wants to charge you application and processing fees in addition to the annual fee, take your business elsewhere.

Also make sure the interest rate is reasonable. Even if your credit is shot, you’re securing this card with a deposit. There’s no reason to pay a rate of 20 percent or more in finance charges.

Who Will Know?

Some secured cards are really nothing more than prepaid credit cards, not reporting any of your account activity to the credit bureaus. If you’re looking to apply for secured credit cards, it’s because your credit needs improvement. That’s not going to happen if your positive account activity isn’t made available on your credit report.

Will It Evolve?

Another thing to consider when you apply for secured credit cards is whether or not those cards evolve as your credit improves. Some secured credit cards keep the same terms and conditions indefinitely. The best cards evolve into unsecured cards as your credit situation improves.

Remember, secured cards serve more than one purpose. They don’t only serve as access to a credit card number when traditional cards aren’t an option, they’re also a way to improve your credit rating and rebuild your financial standing. Remember this and the above information before you apply for secured credit cards and decide which one is right for you.

For more tips on secured credit cards, saving money and avoiding getting taken, check out CreditCardWhizKid.com, a website that specializes in providing credit card tips, advice and resources.

What is a good secured credit card for people with bad credit?

Trying to rebuild my credit and looking for a secured credit card to help me rebuild my credit. Any suggestions or referrals?

Answer
While I am not a huge fan of HSBC, their subprime subsidiary, Orchard Bank, is one of the better cards for rebuilding credit. You will need to pay at least $200 up front, but the interest rate they give is usually much lower than a lot of the other “bad credit” cards. Sometimes they waive the annual fee as well.

Without knowing your credit history, I don’t know if you would be eligible for the Bank of America Platinum Plus card. If you apply for a Bank of America credit card and are turned down, oftentimes they will offer you their Platinum Plus Visa card in the letter they send you declining you for the one you applied for. This is an EXCELLENT partially-secured card that usually requires you to pay $99 and gives you a credit limit of $500. After a year, they will usually unsecure the card entirely and raise your limit if your payment history is good. Bank of America also offers fully secured cards, and if you have a checking or savings account with them, I hear it helps with approval.

Finally, one of the best places for building credit is through your local credit union. They typically offer excellent secured credit cards or even secured self-loans designed specifically for those rebuilding damaged credit. If you aren’t in a credit union, join one. They typically have great interest rates and by building a relationship with them, you will have more opportunities available to you as you build history with them.

Good luck.

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Repair Bad Credit Apply These Simple Credit Repair Techniques

May 8th, 2011 by admin

Credit repair can be very simple provided you get the basics right. If you make use of the wrong credit repair techniques, you will easily end up in huge financial problems. Remember that repair of bad credit is not a choice. Rather, it is a compulsion. If you want to enjoy a stable and steady financial life, you should have a good credit score.

For many reasons, you may have ended up with a bad credit report. It is important to repair bad credit so that you have access to affordable funds at all times. One of the biggest disadvantages of not having a good credit report is that you will never get cheap funds when you are in urgent need of the same.

If your score is bad enough, you may also end up in a position where you just do not qualify for loans. That can be equally disastrous because huge financial decisions may end up getting postponed because you do not have a good credit score. That is the reason why you should make use of the following credit repair techniques to get the best possible solution.

Firstly, you should bring your credit card debt under control. If you do not have your credit card debts in your hand under control, you will always end up with severe credit problems. On the other hand, if you use your credit card regularly and if you repay the debt on time, you will always enjoy fantastic debt relief.

Secondly, you should go in for secured loans if you do not want to pay high interest and face problems. A secured loan will always help you save on interest. The only difference is that you will end up with the risk of losing your asset if you go in for a secured loan. This is a good option to repair bad credit. Once you go in for secured loan and once you get loans at a low cost, you can easily repay it quickly and this will boost your credibility in the market.

Thirdly, you should keep track of the various mistakes and errors in your credit report. Make use of credit repair and credit monitoring agencies to have a clear idea of the exact problems. If there are any further issues, you should use the advice of professionals to overcome the same. There are numerous solutions available that will help you repair bad credit. The onus is upon you to search and find the best possible option before proceeding any further.

The process of bad credit repair can be time consuming. If you are working within a certain time frame and need a faster process, options are available. Reading through your credit report and eliminating the negative marks, through disputation, can erase bad credit. Visit the following link for more information on how to repair your credit quickly and legally:
Fix Bad Credit

Rose Graham has been involved in the public sector, helping consumers rebuild their financial well being for the better portion of her working life.

Is there an honest, real way to fix your bad credit now?

I lost my job and the credit companies wouldn’t work together! I am hearing bad things about these credit “reduction” programs popping up, promising that for a fixed amount per month for say 36 months, they work a “deal” with hundreds of personal accounts with a company and pay average 50cents on a dollar. I don’t know if they real or another scam. I also tried consolidation, credit counseling and did what I could. I also heard my credit is lost for the next 7 years?

Answer
There is no fix, quick fix, legitimate fix, or easy solution

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How To Apply For Bad Credit Credit Cards

May 5th, 2011 by admin

If you need a credit card but have a poor credit history, don’t despair. Bad credit credit cards are available that can meet most needs. This is not common knowledge. No doubt you have had people tell you that if you have bad credit, no lender will touch you. This is not the case for most people. As long as you have the income to repay the debt, lenders will usually be prepared to loan to you.

Depending on your personal circumstances and the credit card provider, you may have additional criteria attached to your card. However, this is not automatically the case. Every lender is different and there are a variety of credit cards available to clients with poor credit histories.

There are different types of bad credit credit cards to choose from. These include both secured and unsecured credit cards. Secured credit cards require a deposit to cover the limit on the card. If you do not make your monthly payments, the credit card provider can take the security deposit to cover your debt. However, this will still affect your credit score so if you are planning on using a secured credit card it is important to make the payments on time. Unsecured credit cards are most common, even for borrowers with bad credit. Lenders may charge a higher interest rate as well as higher annual fees and charges to compensate for a higher risk. However, there are many credit cards available for people with a poor credit history which still offer reasonable terms.

If you need to rebuild your credit score, bad credit credit cards can help you do so. As long as you don’t borrow more than you can afford to repay and make your payments by the due date every month, you will be able to gradually improve your credit score. In fact, some credit cards specifically designed for bad credit offer a special service of notifying the credit reporting agencies of your good payment history every three months. These services can actually fast track your credit repair.

There is a wide range of bad credit credit cards to choose from but you need to know where to find them. You also need to have the capacity to identify the best options for your needs. The lower the annual interest charges the better. Ongoing fees and charges also need to be competitive. The lower all of these charges are, the better. The higher the interest rate, the higher the monthly charges you will have to face. Therefore, even if the fees and charges are a little higher, opt for the lowest interest rate. If they are substantially higher you will need to do the math.

The best way to find, research and apply for bad credit credit cards is online. Specialist credit card sites have usually done the initial research for you, leaving you with a selection of the best deals to choose from. They often provide tables comparing different aspects of the cards so you can see in a single glance the similarities and differences between cards. Once you decide on the best credit card, you can then apply online. You can do everything from beginning to end from the comfort and privacy of your own home. All you have to do, is do it.

Does consolidating credit cards look bad on your credit report?

I am REALLY bad with credit cards and have racked up about $16000.00 in debt on 3 cards and the payments are $615.00 a month. If I consolidate I can save about $300 a month but I dont want to do it if it puts a dent in my report because I have really good credit.

Answer
What type of consolidation are you talking about? Transfering all of the balances to one credit card to consolidate or a consolidation company? Consolidation company is a great way to pay off your debts and save money, but it does hurt your credit rating. I had this problem several years ago. What I did was I got a bank loan for the exact amount that I owed at a pretty decent APR. I paid off all the cards and only worried about the one payment towards the bank loan. If you are unable to get a bank loan contact the credit card company with the lowest APR and ask for a credit increase to do a balance transfer (let them know the amount.) Credit card companies are so greedy and if you are in good standing with them they will happily oblige. If the credit card company with the lowest APR doesn’t oblige there are credit card companies (like Discover) where you apply for a card specifically to do balance transfers starting at 0% APR for the first 6 months or year. Definitely look into these too as a last resort.

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How To Apply For Secured Credit Card

May 5th, 2011 by admin

A credit card comes in form of a small plastic card issued by the credit provider after opening an account. The credit provider might be a bank or credit unions. A credit card is part of a system of payments.

The card allows the holder to purchase goods or services and then after purchase the holder signs a receipt with the amount being paid and the credit card details.

The card has to be subjected through an electronic verification system to see the validity of the card and weather the funds available can be able to pay for the goods purchased.

There are also business people who accept card/cardholder not present transaction. That might be over the phone or through the internet.

The difference between a credit card and a charge card is that where a charge card details that each month the balance has to be paid in full, credit cards on the other hand allows its holder to carry forward their balances although there is some amount of interest charged.

Credit card users are always sent statements highlighting the transactions that have been made and any balances encored and the total amount owed. A credit card secured by a deposit account is the one known as a secure credit card.

Therefore, 100% to 200% of the total credit must be deposited by the card holder. This means that goes ahead and puts $1000, then automatically they get a credit ranging $500 to $1000.

In case of bankrupts or divorce, secured credit card offers the holder a great deal of repairing their credit.

In order for the creditor to look at a persons credit, they check out for three major thing; the length of time the account has been operational, how much a person owes the creditor and the way a person has been paying the other credits.

Most people sometimes make frequent charges and some times carry a balance to portray an impression that they can pay on time when re-constructing credit using a secured credit card.

This causes more harm than good to the credit. Card holders are advised to treat their secured credit card as savings account. Insensitive might be offered by the credit card issuer to their secured card portfolios.

This might mean that the deposit needed may be significantly little than the needed credit limited.

Learn how to apply for secured credit card at my site. Discover where to find the best secured credit card offers online.

What are your experiences with a secured credit card?

I’m curious if anyone with a secured credit card is interested in sharing their experiences? Specifically, did you ever miss any payments? What happened when you missed a payment was the collection process what you expected? Did you write off a secured credit card? I’d love to see if there is a difference in collection methods between a regular credit card and a secured credit card. Thanks.

Answer
Look into this website, they have some excellent information about your question:

http://the–credit-cards.blogspot.com/

http://secured-credit–cards.blogspot.com/

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Apply Online | Gay amp Lesbian Credit Card

May 4th, 2011 by admin

The rainbow flag is now being prominently displayed on the Bank of America® Rainbow Card® Platinum Plus® Visa®.  (www.gayrewardscreditcard.com ).  During these uncertain economic times, credit card consumers throughout the nation are seeking credit cards that offer low interest rates, no annual fees, and valuable rewards that can be earned and redeemed quickly.  In addition to these requirements, credit card consumers are looking for cards that support issues that matter. The Bank of America® Rainbow Card® Platinum Plus® Visa® is just that – a credit card that offers card holders valuable rewards in addition to supporting grants made to advance the fight for gay and lesbian equality. (www.gayrewardscreditcard.com ). The Rainbow Card® is a simple way to support your community and the advancement of equality throughout the country.

The Bank of America® Rainbow Card® Platinum Plus® Visa® has important features, which include:

• No annual fee.

• For every new account that is opened and every purchase made with the card, Bank of America will make a contribution to the Rainbow Endowment – at no additional cost to you! The Rainbow Endowment is a grant making organization that funds the GLBT community.

• Earn 1 point for every net retail dollar and redeem your points for travel, merchandise, gift certificates, and cash.

• Online account access, get up-to-the-minute account information, schedule payments online, review statements and much more.

At a time when basic civil rights are being denied to our families and our community, a credit card which displays the rainbow flag is a great way to show the world that we are here and our discretionary spending makes a difference.  At times when everyone’s nerves are frayed because of uncertainty in the stock market, illiquidity in the credit market and the softening real estate market, one thing remains constant – our commitment to fighting for equality. The credit card application can be completed online in a few short minutes. Just visit www.gayrewardscreditcard.com  to apply.

Is an advantage to use multiple secured credit cards to build up credit?

I am applying for a secured credit card after bankruptcy (due to medical bills), Is it to my advantage to get 2 or 3 secured credit cards to build history or only use one? I dont really need or want any loans/credit cards right now and I am big on paying cash but I need to rebuild my credit rating. Will 2-3 secured cards build my credit faster then 1 secured card?

Answer
I totally understand you wanting to pay cash for everything you buy, and not wanting to have any loans or credit cards, but you’ve got to understand that credit is a game, you just have to learn how to play it.

These unsecured cards are the only thing that’s going to help you rebuild your credit. Even more, in most cases, than getting negative marks removed from your credit report.

I took my credit score from 580 to over 700 in under 6 months by doing two things, disputing negative marks on my credit report, and getting these merchandise cards.

See what you’ve got to understand is that the biggest mistake average people make with their credit, is that they pay everything off in full every month. In order for your credit score to steadily rise, you’ve got to keep a 10 to 30% debt to credit ratio on all unsecured debt, i.e. store cards, credit cards, and merchandise cards.

You determine your “high credit limit” by simply adding up the credit limits on all those cards or unsecured debt, and simply have balances that add up to 10-30% ratio of your high credit limit.

For example let’s say you have three credit cards with a $5,000 limit each, so you’d have a $15,000 high credit limit. So you’d need to have a balance from these three cards of at least $1500 to get, and keep that 10% debt to credit ratio, and of course like I mentioned you could keep a higher balance than that, as long as that ratio never exceeds 30% you will certainly see your credit score rise consistently.

Now the problem for most people with bad or problem credit is that they simply can’t get approved for regular credit cards, so they must get these merchandise cards instead. The key here is that a merchandise card and a “regular” credit card report and are considered the same on your credit report. So the credit limit on the merchandise care gets counted as part of that high credit limit we talked about earlier.

So for example: Joe wants to raise his credit score. He currently has two credit cards that have $2,000 limits on both. So currently his high credit limit is $4,000. But he has maxed out both of them. So his debt to credit ratio is 100%…not good.

So what does he do? He gets several merchandise cards. One with a limit of $10,000 and two more for $5,000 each. So now, Joe’s high credit limit has suddenly gone up to $24,000. Now considering Joe doesn’t abuse his merchandise cards and only uses $1,000 between the three of them, he now has $5,000 in debt to his available $24,000 which gives him the debt to credit ratio of about 21%. Which as we talked about, is between the 10-30% range.

Now Joe will continue to make the minimum payments on all his cards in order to show a good payment history, and this will allow his credit score to quickly and consistently rise.

This example can be done the exact same way if you’re starting with no cards or no high credit limit at all.

Also, check out the credit secrets bible at the website I’ve listed in the source section of my answer here. I don’t make any money if you buy one, or whatever, it just really helped me get ahead in the credit game, and change my life as far as credit goes. I tell all my friends and family that have credit problems about it.

Hope this helps,
Matthew

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Gay Credit Card | Apply Online

May 1st, 2011 by admin

The rainbow flag can now be proudly displayed on the Rainbow Card® Platinum Plus® Visa® issued by Bank of America®.  (www.gayrewardscreditcard.com ).  During these turbulent economic times, credit card consumers throughout the country are seeking credit card products with low interest rates, no annual fees, and useful rewards.  In addition to these features, credit card consumers are looking for cards that also support important social issues. The Bank of America® Rainbow Card® Platinum Plus® Visa® does just that.  It offers card holders valuable rewards in addition to supporting grants made to advance the fight for gay and lesbian equality.  The Rainbow Card® is a simple way to support your community and the advancement of equality across the nation.

The Bank of America® Rainbow Card® Platinum Plus® Visa® has important features, which include:

• No annual fee.

• Earn 1 point for every net retail dollar and redeem your points for travel, merchandise, gift certificates, and cash.

• For every new account that is opened and every purchase made with the card, Bank of America will make a contribution to the Rainbow Endowment – at no additional cost to you! The Rainbow Endowment is a grant making organization that funds the GLBT community.

• Online account access, get up-to-the-minute account information, schedule payments online, review statements and much more.

At a time when fundamental civil rights are denied to our families and our community, a credit card which displays the rainbow flag is a great way to show the world that we are here and our discretionary spending makes a difference.  At times when everyone’s nerves are frayed because of uncertainty in the stock market, illiquidity in the credit market and the softening real estate market, one thing remains constant – our commitment to fighting for equality.  Visit www.gayrewardscreditcard.com  to apply online in a few short minutes.

http://www.articlesbase.com/causes-and-organizations-articles/apply-online-gay-lesbian-credit-card-642909.html

How do prepaid credit cards work to shop online?

I’m 14 and I’m wondering how prepaid cards work? Can I just go to CVS buy a $10 card with cash and then use it online or will they send me some additional bill. Do I have to activate the card myself or is it automatically activated when I buy it? I don’t know much about credit cards.
Is it like a Gift Card but you can use this card in any store compared to a gift card?

Answer
they sell “giftcards” almost everywhere. they have visa, american express etc. make sure to buy a prepaid GIFTCARD because they dont have send you bills. they sell them in 10,25,50+ i think. but they charge a 5 dollar fee. so if you want a 25 giftcard then you’d probably end up paying 30 bucks. if you only want to order from one big name store like target or american eagle then you should go to their store and buy a giftcard because they dont charge you extra for their own giftcards. i hope you understand this:) oh and a visa giftcard is accepted where ever visa credit cards are accepted!

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Apply Online | Rainbow Card® Platinum Plus® | Gay amp Lesbian Credit Card

April 28th, 2011 by admin

The Rainbow Card® Platinum Plus® Visa® issued by Bank of America® proudly displays the rainbow flag.  (www.gayrewardscreditcard.com ).  During these uncertain economic times, credit card consumers throughout the country are seeking credit card products with low interest rates, no annual fees, and useful rewards.  In addition to these features, credit card consumers are looking for cards that also support significant social issues. The Bank of America® Rainbow Card® Platinum Plus® Visa® does just that.  It offers card holders valuable rewards and supports grants made to advance the fight for gay and lesbian equality.  The Rainbow Card® is a simple way to support your community and the advancement of equality across the nation.

The Bank of America® Rainbow Card® Platinum Plus® Visa® features include:

• No annual fee.

• Earn 1 point for every net retail dollar and redeem your points for travel, merchandise, gift certificates, and cash.

• For every new account that is opened and every purchase made with the card, Bank of America will make a contribution to the Rainbow Endowment – at no additional cost to you! The Rainbow Endowment is a grant making organization that funds the GLBT community.

• Online account access, get up-to-the-minute account information, schedule payments online, review statements and much more.

At a time when fundamental civil rights are denied to our families and our community, a credit card which displays the rainbow flag is a great way to show the world that we are here and our discretionary spending makes a difference.  At times when people across the country are struggling with uncertainty in the stock market, illiquidity in the credit market and the softening real estate market, one thing remains constant – our commitment to fighting for equality.  Visit www.gayrewardscreditcard.com  to apply online in a few short minutes.

http://www.articlesbase.com/causes-and-organizations-articles/apply-online-gay-lesbian-credit-card-642909.html

How does a company obtain credit cards based on it’s credit without having to have a guarantor from a person?

When our company began we opened up credit cards for employee’s under our CEO’s credit line because the company did not have sufficient credit. Two years later, we are stumped as to how to obtain credit cards for the company using only the company’s credit. American Express tells us that no matter what we have to have a guarantee from an individual person backing our credit. Does anyone out there know how a company can get credit without that personal guarantee? Surely, Microsoft doesn’t use Bill Gates credit to obtain cards for it’s employees. Thanks for any and all help in advance!

Answer
Paying off debt you owe is always good.

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