Credit cards are practically a must in today's electronic society.
You need one to rent a car or to make reservations at a hotel. If you
shop online, credit cards are the safest way to buy. And, they are ever
so convenient.
These plastic cards come in
a variety of shapes, sizes and colors, from a small rectangle that you
can dangle on your key chain to a personalized credit card with your
photo gracing the front. Credit cards also come in a variety of price
ranges - some with no annual fees, some with big annual fees - some
with fixed rates, others with variable rates.
Credit cards are a great financial
tool, offering many benefits:
They can be safer and more convenient to use and carry than cash
Credit cards offer the ability to buy goods and services now and
pay for them later
They have valuable consumer protections under the law
Major credit cards are accepted by merchants around the world
They may provide a source of cash or payment in an emergency
Credit cards can guarantee hotel or travel reservations
If you are not happy with a purchase you made using a credit card,
you may have the right to withhold payment until the problem is resolved.
To qualify for a credit card you must be at least 18 years old and
have a regular source of income. Despite invitations from credit card
issuers, you will still have to demonstrate that you are a good risk
before they grant you credit. The proof is in your credit report. Before
you submit a credit card application,
you may want to obtain a copy of your credit report to make sure it
is accurate.
Recommended:
Orchard Bank Visa® Cards
Rates
Fees
Intro Rate
APR
Cash Adv. Rate
Cash Adv. Fee
Late Fee
Annual Fee
-
7.90-28.90%
20.90%
see terms
$30-$35
$0 - $74 the first year; $35-$79 per year thereafter
Reports to 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score!
Acceptance at millions of locations including website purchases and reservations
Your account information is updated and at your fingertips 24/7 so you can manage it your way
Email and text messages to remind you of your upcoming payment due date with online enrollment.
Public Savings Bank Classic Secured VISA Card
Rates
Fees
Intro Rate
APR
Cash Adv. Rate
Cash Adv. Fee
Late Fee
Annual Fee
0%
(6 months)
11.24%
18%
$5 or 3.5%
up to $20
$0
Apply for the Public Savings Bank Secured Black Card!
0% APR on purchases for the first 6 months
No Annual Fees or Monthly Maintenance Fees
Choose your credit limit from $300 to $2000
Reports to all 3 Major Credit Bureaus
4 Ways to Fund Your Security Deposit No checking account required!
See Card Terms and Conditions
Simmons First Visa® Platinum
Rates
Fees
Intro Rate
APR
Cash Adv. Rate
Cash Adv. Fee
Late Fee
Annual Fee
-
7.25%
11.25%
see terms
$29
$0
Excellent credit required - applicants that do not have excellent credit will not be approved
Low 7.25% variable standard purchase APR and platinum benefits
No balance transfer fee for balances transferred in response to this online offer
No annual fee
Blue Cash from American Express®
Rates
Fees
Intro Rate
APR
Cash Adv. Rate
Cash Adv. Fee
Late Fee
Annual Fee
0% on Purchases for 6 months
17.24%-21.24% Variable
20.99%
3%
$30
$0
When you shop with Blue Cash, you can earn up to 5% cash back on every eligible purchase
No Annual Fee
0% Intro APR for 6 months on purchases
Express Approval. Get a decision in less than 60 seconds.
