Champion Credit Cards

Mileage Card is a Credit Card With More Perks

ezekielh — Fri, 06 Aug 2010 01:44:54 +0000

Cheryl Forbes asked:

If there is one thing that most people in this century cannot live without, it is their plastics or their credit card. It has paved the way for comfortable living. It made people afford what they cannot afford at the moment. It has paid for things that you cannot pay for with cash. Aside from these benefits, there are some credit cards that have a mileage earning component. These are called mileage cards.

Every time you use your mileage card, you earn miles or points and you can accumulate them until such time when you have saved enough points to use them to redeem a prize. So you can use them on your trips so you can earn miles while paying for your car rental, hotel room, etc. and earn points for other charged purchases. There are so many credit card companies offering a mileage card, that it is hard to choose one. It is not about choosing the best mileage card anymore but it is about choosing one that is the best for you and your lifestyle. There are even some existing cards where you can transfer your points into programs of more than a dozen airlines. So think about that, because you will surely get your mileage points’ worth every time.

Redemption of accumulated points is quite exciting. You can choose to redeem your points in exchange for any of the items that have been listed in their rewards program package or you can always choose to upgrade your airline ticket to a better one, say a premium class seat.

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Do Credit Card Perks Matter?

ezekielh — Wed, 14 Jul 2010 14:47:14 +0000

Stephen Chua asked:

The credit card industry is extremely competitive and thus each credit card company will go all the way out to promote their products by offering a lot of perks and privileges.

One of the most common perks is zero APR for six to twelve months. This perk is so common that many consumers are considering this as standard benefit.

Another one is the waiver of annual fee for the first year. This is a common practice too. Thus, some companies are now offering annual fee waiver for three to five years. In fact, a handful of them are waiving the annual fee on a permanent basis as long as the cardholders are able to meet specific purchase and payment targets.

The reward program is another important component of the credit card deal. The type and range of rewards available can be a decisive factor in keeping existing customer as well as attracting new one. Thus many companies will spend a lot of effort to provide the best rewards for their customers.

A good reward program will offer a lot of flexibility to the card holders. This includes a low exchange rate, which means the card holders can exchange for rewards with less reward points, which translate to lower expenditure. The rewards should also cover a wide range of products such as movie tickets, home appliances, dining vouchers, spa discount voucher, furniture, or even travel miles.

No card owners want to stick with a card that offer one type of rewards. As an example, if you own a departmental card that allow you to redeem discount voucher for ABC Departmental Store only, this will be too restrictive. It ill be difficult to attract new customers or keep existing customers since there are so many more options available else where.

Besides rewards, some credit card companies also offer other benefits without extra cost. This include personal insurance, travel insurance, rebate at the pump and zero interest installments for big ticket purchase.

Your personal lifestyle is the most important factor in deciding which credit card perks are the best. The right perks can add significant value to you current lifestyle while the wrong one will give you unnecessary headaches.

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Is credit card debt settlement an alternative to bankruptcy?

kenneth parker — Mon, 28 Jun 2010 15:29:45 +0000

Filing bankruptcy is an agonizing experience and it hurts you not just financially but mentally too as a sense of failure lingers on for a considerable period of time even after you have declared yourself bankrupt. To keep such unpleasantness at bay you can try out the bankruptcy alternatives, debt settlement being one of them. If you have pending credit card bills that have piled up, credit card debt settlement can help you to reduce your credit card debt load. Bankruptcy may not always allow you to “start afresh” as it promises. This is because bankruptcy stays on your credit report for several years that acts as a hindrance in attaining financial freedom. You will not be able to enjoy financial benefits and lenders will be reluctant in extending a loan to you.

If you file bankruptcy, creditors may not get anything but if they agree to settle debts, they may at least get part of what is due to them. So, debt settlement is beneficial not only for you (as it prevents you from filing bankruptcy) but for a creditor too.

Credit card debts have assumed an alarming proportion and more and more debtors are rushing to the debt help firms to get rid of their credit card debts. In credit card debt settlement, where your total debt load is reduced, you take help of a debt settlement company that will negotiate with your creditors once you have accumulated enough cash in a trust account.

When you settle your debts, you stop paying your creditors directly. Instead you pay into a trust account. And when there is sufficient cash (approximately 50% of what you owe), the debt settlement company helping you settle credit card debts will negotiate with creditors so that the total outstanding balance is reduced.

In most of the cases, creditors agree since they know it won’t do any good if the debtor files bankruptcy. Depending on how much the debt settlement company can convince the creditors, the total debt amount is reduced by approximately 40% to 60%. Once you are able to make your debts manageable by debt settlement, you can avoid filing bankruptcy. In this way, debt settlement acts as an alternative to bankruptcy.

Remember while you pay into the trust account when you enroll for a credit card debt settlement program and stop paying the creditors directly, your credit score drops by few points. But when you regularize your payments again, it improves.

SE 11 Function Credit Card Size Survival Tool Pocket Size

ezekielh — Wed, 02 Jun 2010 17:36:17 +0000

Guaranteed brand-new and factory fresh. This shrewd, clever little credit card-sized tool fits easily into a wallet, pocket or purse. Genuine stainless steel construction that is just thick enough for practical use, but not so heavy as to be cumbersome. Simple, and durable, this small wonder really does what it is supposed to do! Credit card-size multi-tool is packed with features: 11 functions in one steel survival tool. A knife edge, a cap opener, a can opener, a mini saw blad (more…)

Credit Card Debt: (Mass Market Paperback)

ezekielh — Tue, 01 Jun 2010 12:23:27 +0000

Leave Home Without It…Membership has its privileges, but it also has a huge share of disadvantages. Without the proper know-how and guidance, you could find yourself buried beneath an avalanche of credit card debt. Millions of Americans are just like you and are currently attempting to pay off $450 billion to credit card companies. It’s in a credit card company’s best interest to keep you in debt-after all that’s how they make their real money. Even by following their rules, (more…)

DOPP Magnetic Money Clip and Card Holder by Buxton

ezekielh — Mon, 31 May 2010 21:24:15 +0000

For ONE HUNDRED YEARS, the Buxton name has meant innovation and high-quality personal leather goods and their DOPP brand is synonymous with finely crafted leather accessories. Quality constructed Magnetic Money Clip and Card Holder The Slim design fits easily into your front pocket Holds a number of cards Available in colors: Black and Brown This item is quality constructed with handsome oil-tanned cowhide leather. On one side it has a thin, strong magnet to hold currency and (more…)

Zippered Long Credit Card Wallet

ezekielh — Sun, 30 May 2010 20:59:41 +0000

Zippered Long credit card wallet by Marshal Leather. It is quality constructed with soft full grain leather. This great organizational wallet has 19 card slots plus an ID window. Openings on either side of wallet are perfect for currency or receipts. Also features a zippered closure that will help keep your items secure. The wallet measures closed 4.25 inches across X 7.5 inches high. Ideal for pants pocket, handbag, suit coat pocket or briefcase. An outstanding value and looks (more…)

Samsill Regal Leather Business Card Wallet, Holds 25 Cards of 2 x 3.5 Inches, Black (81220)

ezekielh — Sat, 29 May 2010 18:46:27 +0000

Genuine black leather business card wallet is enhanced with rounded corners and stitched edges. Features a card pocket on both sides to hold business and personal cards. Card Holder Type: Business Card Wallet, Global Product Type: Card Holders, Number of Compartments: N/A, Card Capacity: 25.

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Talk Your Way Out of Credit Card Debt!: Phone Calls to Banks That Saved More Than $43,000 in Interest Charges and Fees (Paperback)

ezekielh — Fri, 28 May 2010 18:20:32 +0000

Learning how to talk your way out of credit card debt is the quickest, easiest, and most efficient way to start saving money! It’s true! You can call your credit card banks to negotiate a better interest rate and have fees waived! However, it may not be as easy as picking up the phone and asking. That’s because bank representatives are trained to deter you from pursuing the deals you deserve. Overcoming their tactics can be difficult when you don’t know what to expect. Sco (more…)

Professional Massage Equipment

Credit Card Sales Slip, 7-7/8 x 3-1/4, 3-Part Carbonless, 100 Forms (TOP38538DTOP);

ezekielh — Thu, 27 May 2010 16:17:52 +0000

Credit Card Sales Slip, 7-7/8 x 3-1/4, 3-Part Carbonless, 100 Forms Universal format fits in standard credit card imprinters. Perforated to tear off merchant’s copy and carbonless copies. Form Size (W x H): 7 7/8 in x 3 1/4 in; Number of Columns: N/A; Forms Per Page: 1; Number of Entry Lines: 4. Universal format fits in standard credit card imprinters. Perforated to tear off merchant’s copy and carbonless copies. * SHIPPING: we only ship UPS/FedEx ground which has a minimum fe (more…)