Credit freezes are put in place by you, the consumer. Whether or not you are able to put a freeze on your credit may depend on where you live. Most states will allow anyone to put a freeze on their own credit and others only allow you to freeze your credit if you have been a victim of identity theft.

Some of the basics of a credit freeze include:

1. If your credit is frozen your credit report can still be updated by your creditors. Just because you have frozen your credit does not mean you can make late payments without paying the price.
2. A credit freeze only prevents new creditors from accessing your credit report. If your existing creditors want to take a look and see how you are paying your other creditors they can do so.
3. A credit freeze is made at your individual credit bureaus.
4. Removing the freeze from your credit, or “thawing” a credit freeze takes several day to take effect once initiated.
5. A credit freeze does not prevent you from using your credit cards. Your cards are not frozen, only the ability for new lenders to look at your credit card is frozen.

These are the basics of frozen credit. A credit freeze can help reduce your chances of being an identity theft victim. But remember if your goal is to avoid prescreened credit card offers or have creditors alerted to fraudulent activity on your account you will want to look into a fraud alert service, not a credit freeze.

Everyone wants to know how to lower their credit card apr? It’s probably one of the most searched for phrases on the internet.

Want to know how to do it, it’s actually easier than you think. First… just make a phone call.

Most of the time a short phone conversation with your credit card company can save you hundreds of dollars in interest fees. Have you ever heard the saying “the squeaky wheel gets the oil?” this applies to credit card APR as well.

This about it… Why would your credit card company lower your annual percentage rate if you don’t ask them too? Recently a study was held where fifty card holders with various types of credit scores called their credit card companies and asked for lower rates. Over half (56%) of them were given lower rates. MORE THAN HALF!

Looking for low interest rate credit cards? Use our credit card finder to view our pre-qualified list!

How low did the rates drop? The 28 people who successfully reduced their credit card apr saw their rate drop an average of 16%.

If you are currently locked into a credit card and you aren’t happy with your annual percentage rate pick up the phone and call your card holder. You may be only minutes away from saving a massive amount of money. If you are looking for a new credit card with a low APR rate please view the hand selected listing of cards below or click here to view the full list.

A credit card balance transfer is just taking the balance that you have on your current credit card and transferring it to a new card that offers a lower interest rate than your existing one. Most of the time you can find cards that offer 0% interest for up to a year as well as free balance transfers. In the long run you can save huge.

With the economy currently in the toilet, a lot of us are looking for ways to lower our monthly expenses and a well thought out credit card balance transfer can definitely help to accomplish that goal. There are plenty of deals to choose from but finding the right one for you takes some work and research on your part. I’ll walk you through a few of the offers that I’ve seen lately.

Credit Card Balance Transfer - “The Big Tease”
Many major card issuers are offering extremely low introductory rates on credit card balance transfers. These rates normally last around 5-6 months before changing. Others offer a full year of zero percent interest, these are the kind of cards you want to use in your credit card balance transfer.

The Chase Platinum offers 0% Intro APR for up to 12 months on balance transfers has No Annual Fee and FREE Online Account Access. View more credit card balance transfer cards now.

Another good credit card balance transfer card is the Discover® More(SM) Card. You get 5% Cashback Bonus® in categories like travel, home, apparel, gas, restaurants, movies and more. This card also comes with Unlimited Cash Rewards, Up to 1% Cashback Bonus on all other purchases automatically and 0% Intro APR. View more credit card balance transfer cards now.

Once you sign up for one of these cards and do your credit card balance transfer be careful! You have to pay your bills on time to enjoy these great promotional rates. Any mistakes on your part like missing a payment can cause the card issuer to raise your interest rate immediately.

So be careful and if you’d like view the cards we’ve selected as being the best for credit card balance transfer.

What are secure credit cards?
Instead of the card holder borrowing money from the credit company like most other cards secure credit cards require that you deposit money into your account and then spend against your balance. The exact amount of cash you’ll have to put up varies from card to card but generally you can expect a requirement between $200 and $500. This money that you put on your secure credit cards balance is your credit limit.

Who uses secure credit cards?
In general two key groups of people use secure credit cards. Those who are establishing credit for the first time and those who those who have had credit problems in the past and are looking to repair their credit rating.

When you use secure credit cards your payment history is reported to a credit bureau just like when you shop with a regular card. Yes, you’re actually establishing a credit history while using secure credit cards. (did a light bulb just go off?)

There are many choices when comparing secure credit cards to apply for. Most large banks offer their own secure credit cards but the benefits and plans differ, so watch closely. When applying for secure credit cards be sure to look for a low Annual Percentage Rate (APR), a decent Grace Period (the amount of time you have to pay your balance without paying interest), and a low annual fee.

By keeping those items in check, secure credit cards are a great type of card to own. Below we’ve included a few of the top-rated secure credit cards on the market. Choose one, click apply and begin building your credit today.

Cards cards with rewards like cash back have become extremely valuable for shoppers as they receive a percentage of their purchase back every time they use the card. So every time you use your credit cards with rewards you’re increasing the size of your payment that you will receive back. Other credit cards with rewards offer discounts at hotels, airlines and gas stations. These kinds of rewards cards can also be extremely valuable.

We’ve put together a pre-selected list of Credit Cards with Rewards to help you find the card that’s right for you! Click here to view now.

The key is choosing the right credit cards with rewards that fit you as an individual. You have to find the card that offers the maximum amount of rewards that you can use the most. It may seem difficult at first considering all of the different types of credit cards with rewards that exist on the market but honestly, a lot of the time the rewards being offered are very similar, if not exactly the same.

Here’s something the card companies don’t want you to know.

About 90% of all credit cards with rewards offer the same reward, 1% cash back on your purchases. They may package it a little differently as points, hotel discounts, airline miles, etc but the truth is that the points or miles you receive are equal to about 1% of your purchase price. In the end all the rewards being offered still end up being that same 1%.

Your goal is to find the exceptions to this rule and get the most from your credit cards with rewards. There are cards out there that offer 1.5% cash back and by using a card like this you’ll earn 50% more rewards that you would with the other cards.

So read the details before you apply for credit cards with rewards to ensure that you’re getting the most bang for your buck. You can start right now by viewing our pre-selected list of credit cards with rewards.

CashBack Credit Cards are great as long as…

They don’t carry a balance from month to month. Most cards that offer cash back have a higher interest rate and if misused this could wipe out any rewards you may have gotten by using the card, if you carry a balance. When doing your credit card comparisons be sure to look for this. Be sure that your cashback credit card isn’t going to end up actually costing you more money.

Money Educator Mary Campbell says, “The way for cash back to be a good option is if you are truly managing your credit cards where you are literally earning cash back but not turning around and paying it back in any other form.” The cash you receive from a rebate card should be viewed as a reward for all the hard work you have done in lowering your credit card debt and paying your balance in full each month.

Also, do credit card comparisons and look for a card that doesn’t have an annual fee. This can be avoided, there are several cash back credit cards that do not come with an annual fee, so why should you pay one? Again, credit card comparisons will help you avoid these offers.

Look to ensure that the card you apply for doesn’t require that you carry a balance, this is another red flag because the interest you pay will more than likely be more than the amount of cash you get back. Make sure that your cash back credit card is actually going to put money in your pocket and not take it out.

Using a credit card finder website, you can compare credit cards side by side and see which offer is the best for you. To use our card finder to perform some quick credit card comparisons before applying, click here.

One of these issuers, Advanta has thrown down the gauntlet in this area and is now offering extremely low APR rates on balances until the debt is paid off. Below we’ll look at three Advanta card offers to find the one that best fits your lifestyle and your wallet.

Advanta Platinum Business Card With Rewards

• 0% APR for 15 Months on Balance Transfers, 7.99% Fixed APR thereafter
• 7.99% Variable APR on Purchases
• Choice of 5% Cash Back or Travel Rewards
• No Annual Fee and No Limit on Earnings
• $0 Fraud Liability
• Personalized card — your company name on the card, plus your logo.

Apply Now!




Advanta Life-of-Balance Platinum Card

• 2.99% Fixed APR for Life on balances transferred within 3 months
• Choice of 6% Cash Back or Travel Rewards
• No Annual Fee and No Limit on Earnings
• $0 Fraud Liability
• Personalized card — your company name on the top of the card

Apply Now!

Advanta Platinum BusinessCard

• 0% Intro APR on Balance Transfers and Purchases for 12 Months
• Prime + 5.99% Variable APR thereafter
• Up to $50,000 Credit Line
• No Annual Fee
• $0 Fraud Liability
• Personalized card — your company name on the top of the card

Apply Now!

Advanta Platinum with Rewards Customized BusinessCard

• 0% APR for 15 Months on Balance Transfers, 7.99% Fixed APR thereafter
• 7.99% Variable APR on Purchases
• Choice of 5% Cash Back or Travel Rewards
• No Annual Fee and No Limit on Earnings
• $0 Fraud Liability
• Personalized card — your company name on the card, plus your logo.

Apply Now!

So the question is which Advanta business card fits you? The truth is, only you can make that determination. Each of these Advanta cards offers it’s own special features, so weighing what is important to you against what doesn’t matter is one way to go about selecting a new credit card. Still, each Advanta card has so much to offer and getting an Advanta card gives you advantages over many ordinary business cards. Regardless, offers such as these are certain not to last forever, so taking action now will ensure that you get the best card that meets your needs.

To view more Advanta Credit Cards click here.

There are an ocean of credit cards to choose from. Each card company offers different types of rewards and benefits to entice potential customers into becoming a card holder.

With over 50 million cardholders, Discover is one of the top credit card companies in the United States. After making its debut in 1985 as a division of Sears, the Discover Card quickly grew in popularity among consumers. And it’s easy to understand why: Discover offered benefits such as the “Cashback” program, which allowed cardholders to earn money for using their card. This rewards program and others offered through Discover have continued to improve over the years.

Discover Card Services is a great card company for many different reasons. First, did you know that all Discover Card Services come with the following benefits?

• No Annual Fees for any Discover Card
• Rewards on every purchase
• Advanced Fraud Protection and proactive monitoring

What’s more, you get treated like a person. If you need help, you can reach a knowledgeable customer service rep on the phone within 60 seconds. You get the rewards the way you want. Whether your thing is cash rewards, traveling with no restrictions, or rewards for making on-time payments, Discover Card services has a card for you. Below is an over view of a few of the cards that Discover offers. Click any card name to apply online immediately! If you’d like view the entire list of cards offered by Discover Card services.

Discover® More(SM) Card - Monogram

• Earn more cash in more ways than anyone else^SM*
• Unlimited cash rewards, automatically
• Up to 20% Cashback Bonus® when you shop online*
• Double rewards with more than 100 Cashback Bonus Partners*
• Customer Service in less than a minute, anytime you want
• 0% Intro APR for 6 months on Purchases, and 12 months on Balance Transfers

Apply Now!

Discover® BusinessCard

No other card rewards you like the Discover® BusinessCard. Enjoy a 0% Introductory APR* on Balance Transfers and CardPurchases for 12 months and earn 5% Cashback Bonus® on office supplies, 2% Cashback Bonus on gas and up to 1% Cashback Bonus on all otherpurchases*. Plus, pay no annualfee. APPLY NOW!

Discover® Student Card

• Build your credit history
• 0% Interest* on Purchases for 6 Months
• No minimum income or cosigner required
• No Annual Fee
• Easy Online Account Management tools

Apply Now!

Miles by Discover® Card

• A Miles card with no annual fee!
• No blackout dates
• Double Miles on food and travel, up to $3,000 each year
• 1 Mile for every $1 you spend
• Unlimited Miles while your account is active
• 0% Intro APR*

Apply Now!

Good luck in your search for Discover Card services! Thanks for stopping by.

Gas credit cards are definitely convenient, I mean who wants to walk inside and prepay for their gas with cash? Not me. And I dare you to find a gas station in any major city that allows customers to pump gas without prepaying with a credit card, it’s impossible.

Having a gas credit card is also a good way to keep track of your gas spending. This becomes even more important for businesses which pay their employees gas rebates when traveling. By using a gas credit card you are able to merely print out all of your gas purchase records and turn it in to your employer.

Gas cards also come with several types of gas rewards programs that help make the high prices of gasoline a little more easy to swallow because you know you’re getting a little something extra every time you fill up your tank. Some gas credit card rewards include:

1. Cash back programs on gas cards help you get back a percentage of what you put into your tank.
2. Get back on the road faster and easier when you can swipe the card at the pump.

Right now there are several gas credit card issuers that are offering gas-specific credit cards. If you already have decent credit it will be easier to get one but there are also may cards offered for people with average and below average credit as well.

Typically, gas rewards programs offer around 5 or 6% of your gas purchases back. The money is given back to you and applied to your credit card statement, or a check is sent through the mail. If you’re in the market for a new car purchase you may want to look at gas credit cards that offer car lease or purchase rewards programs to maximize your potential saving opportunities.

As with any type of credit card it is vital that you do some credit card comparisons using a credit card finder. We have assembled a list of fantastic gas rewards credit cards for you to compare, get started by clicking here.

One major problem with credit card rewards programs is that a large portion of consumers and cardholders that take part in them don’t redeem their rewards for reasons such as forgetting, not wanting to bother or not understanding how.
The card companies offer credit card rewards as a way of promoting a particular card to increase it’s usage. But when cardholders don’t redeem points they negate any beneift they hoped to gain by using the card.

Ready to get started?:Click here to compare credit card rewards programs using our credit card finder.

There are many different types of rewards customers can enjoy through the programs and incentives offered by credit card companies. Some of these include cash-back rewards—a favorite and top choice among card holders and air travel mile rewards, gas rebates, shopping rewards, hotel rewards, gift certificates, free merchandise and members-only discounts.

The key is to find out exactly what type of rewards programs and incentives are offered by your current credit card company as well as other credit cards you might be interested in. Programs that offer low APR, interest rates, annual fees and other fees are certainly not to be overlooked.

To begin looking for the best credit card rewards program that fits your lifestyle user our credit card finder.