Tag Archive | "American express"

Top 5 Most Exclusive Credit Cards

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Now-a-days, consumers receive bad loans through credit cards.  This has got an incredible issue in most of the developed countries. Therefore, banks are thinking of some credit cards that are richer or strongly credit worthy. The phenomenon for highly exclusive credit cards is growing rapidly, which may include all the products customers can access. For instance, private jets and personal shopping services on which thousands of dollars can be spent using their plastic.

 Exclusive Credit card

There are many types of the credit cards relating to the status, values and style of the customers. However, there are six most exclusive of them which have really impressed people worldwide.

1. American Express Centurion or Black

The most popular of the exclusive credit cards is the Black Amex, it signifies the business and there is no need for upgrades on Virgin, Delta and other airlines and special treatment when you stay at luxury hotels. Also, it’s made out of aerospace grade titanium, which is a very new fashion.

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Best Small Business Credit Card Companies

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The market is getting saturated of business credit cards companies. It is observed that few of the companies intend to join hands with small business owners, therefore there are companies that provide small business credit cards. It gets hard to choose the right small business credit card for yourself, since all the companies offers more or less same packages. It all depends how much the source is reliable and that, which company’s credit card fits most with your business requirement. Anyhow, some of the well known small business credit card companies are reviewed and shortly described here as follows:

  • Advanta: Advanta offers one of the best all-around deals of small business credit cards. This company specifically caters to small businesses. The Advanta Platinum Business Card have 0% APR for 15 months and afterwards 7.99% fixed APR, while offering 5% cash back or travel rewards. There is no annual  for using the card. The users have the option to choose 2.99% fixed APR for life on balances transferred within the first three months of signing up.The other side of  the Advanta card is that , though it offers 5% cash back on purchases but it have $300 annual cap in the rewards that a small business owner can receive. So, this means this card is best only with controlled spending.
  • The Discover Business Card: The Discover Business Card offers fee-free purchase checks for the vendors who don’t accept the credit cards. Those checks are have cash-back rewards and the same APR and payment grace period at card purchase. Moreover, there are free employee cards with real time customizable limits, monthly spending reports, as well as $0 fraud liability and no annual fee. The Discover Business Card is not suitable for those who travel a lot for their business. Read the full story

Match Your Card and Lifestyle: Credit Cards on the Web

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You can not only find card deals on the Web, sign up for them and have your card in the mail to you on the same day but you are also able to take care of card business online.

There are several card companies that have their web sites that make you able to do a lot of administration with digital ease. They facilitate you in many ways, you can look at your statements, you can pay bills, you are able to talk to company problem solvers, you can download your information into your own computer and you can even download pre-prepared tax numbers.

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Some of them will let you know if your statement has been sent, others will inform you if you are approaching a problem that maybe you’re nearing your credit limit. Few of them will also let you know that how your perks (like frequent flier miles) are piling up.

Before you sign up with a card you need to decide first that how valuable these services are. If they give you super convenience then it may be worth paying a little extra for the card as you trade money for time. But you should fully understand what each little online offer means before you take any further step.

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Credit Card Interest Rates Spike

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When a legislation has been signed by President Obama  that restricts many credit card company practices about which consumer groups have lodged long complains about, it has been said by the bank executives that it would force them to raise interest rates across the board. It is possible that it might be happening.

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According to IndexCreditCards.com, by which the industry is tracked, in July credit card rates were at 18-month high rate levels.

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Credit Card Issuers Shift Rewards to ‘Platforms’

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By multicard reward programs more choice is given to consumers, but at a cost.

Before the recession, credit cardholders were happy to collect points just in order to get free gas or airline tickets.

Today, the situation is different, however, consumers are willing to pick and choose where they want to spend their points, and this freedom of choice is given to them by many issuers.

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Membership to more broad-based rewards “platforms” are being offered by Credit cards, on which consumers have several ways to earn points that can be exchange for cash or consumers might trade in them for merchandise in multiple categories.

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How Many Credit Cards Should I have

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When we are talking about credit cards, I advise you to keep more than one credit card as it will  beneficial to hold more than one credit cards, then to rely on a single credit card for all your purchases.

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Perhaps one of the most important reasons to carry multiple credit cards is that in case if your credit card is denied due to any given reason, like may be your card is being maxed out or blocked by the card issuer. I have faced such situations where my credit card was denied just because of the reason that I had made a series of large purchases in a short period of time.

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When I face such situation then instead of walking away denied, if I had another card I could have pull out it to complete the transaction.

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Positive and Negative characteristics of Credit Card Company

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In this article we will look at some of the positive and negative characteristics of individual card issuers and their related credit cards.

American Express Card

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Positive Characteristics
Whenever I think about American Express, the first thing that comes in my mind is convenience.  They are truly the best customer service provider out there.  The things are managed by them quickly and efficiently, making them my go-to credit card issuer.  With them it is quite easy to dispute charges and they never make us wait to get a live representative on the phone. Large lines of credit are also provided by them, which is always an additional thing for the responsible cardholder.

Negative Characteristics
American Express has got only a single drawback and that is the fact that there credit cards are not accepted by all merchants. In fact, now such merchants are present everywhere who will not accept American Express as a payment option. Amex cardholders encounter this problem because Amex charges higher transaction fees, and also due to the fact that in the event of a dispute they tend to favor cardholders rather than to take the side of merchants. Read the full story

Why to Use a Prepaid Debit Card Instead of a Credit Card?

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During the 1990′s due to the great losses credit card companies had to look at a different ways of securing their debts. At that time they found a new way of secured credit card and following close behind came the prepaid debit card. Prepaid debit cards are now issued by most credit card companies, such as Visa, American Express and MasterCard.

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The functional procedure of this card is that, funds are added to a prepaid debit card at a retail location or through an online bank. This card works almost similar to a prepaid phone card. Actually, a prepaid debit card is cash that has been applied to a plastic card, this is done so that the funds can be accessed electronically. A limit is assigned to this card that is identical to the amount deposited for that card. Each time you use the card, the amount on the prepaid debit card reduces until the funds becomes zero.

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Balance Transfer and Rewards on New Credit Card Accounts

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With the competing credit card market, cards with low interest rate and more reward programs are numerous and if you are searching for a card with these advantages, there are various options to select from. Now consumers are able to benefit from discounts at retail stores to simple old cash back options. Some new credit card accounts sometimes give offers with such significant rewards that it is worth to seriously consider availing one.balance transfer to other cards

Retail, Gas and Auto Rewards

Retails have traditionally offered a same day discount of 10-20% off a new purchase, which is now replaced with point based systems. These points can be used for making online or in-store shopping. Citi Home Rebate Platinum Select MasterCard during its 12 months promotional period now offers a 6% return for every new purchase on various items of home enhancement including cable TV, satellite and internet connections and a 1% return for all balance purchases.

Now there are bonus reward for consumers on regular purchases like gas and diesel along with big ticket items like a car. Consumers can receive five rewards points for every $1 spent at gas stations, supermarkets and drugstores for the first 12 months of the program and one point for every $1 on all the other new purchases if they use the Citi Diamond Preferred Rewards card. If you are availing a balance transfer you don’t have to pay anything in respect of APR. Not only this GM Flexible Earnings card even offers more. Now if you purchase a new General Motors vehicle you will get triple earnings potential of 3% towards your purchase with 1% cash back option along with 0% introductory APR for 12 months on balance transfers.

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American Express Credit Cards- AMEX

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When we are talking about Credit cards, American Express which is also known as AMEX is one of the most easily recognizable names in the world of credit cards. Even those people who have got a Visa or MasterCard, they are still interested to have an AMEX also. Despite of having some differences among themselves Visa, MasterCard, and AMEX are the most popular and preferred types of credit cards.

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In the present world both Visa and MasterCard are the methods of payment. Different businesses accept credit card payments using the systems of Visa and Master Card.

Both of them never issue credit cards on their own behalf, they provide the credit to the banks throughout the world and charge interest on that credit and the respective banks are liable to issue credit cards on their behalf. Your credit card bills that you pay directly goes to the bank, Visa or MasterCard do not handle them.

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