Have a question? Contact Us!

» Posts Tagged ‘credit’

Blue Cash

Blue Cash from American Express: A Review

Blue Cash

Blue Cash

If you have great credit the Blue Cash credit card from American Express could be a great credit card to own. With the Everyday version of Blue Cash there is no annual fee. It’s a given with American Express that you get great customer service.

Cash Back Program

The cash back program has no minimum spending requirement, no enrollment and no restrictive list of categories that you are limited to. The cash back program pays you 3% on grocery purchases, 2% on gas or department store purchases and 1% cash on everything else. Rewards can be redeemed for statement credit, gift cards or merchandise. If you set up a bill paying service for such items as insurance bills, phone bills etc. you can earn cash back on those too.

0% introductory offer

American Express is currently offering a 0% APR introductory offer on purchases for the first year as long as your account is in good standing. There is a relatively high APR of 17.24% to 22.24% after the introductory period is over so it is a good practice to pay off your balance each month.

Travel Discounts/Benefits

The Blue Savings program provides you discounts on hotel stays, car rentals, and cruises. If you book rooms at JW Marriott or Renaissance Hotels you get free breakfast and a $100 discount on your next stay. Card membership also provides you with up to $100,000 in travel accident insurance and delayed or air travel lost baggage insurance up to $2,000

Purchase Refunds

If you suffer from buyer remorse for something you bought using the Blue Cash card and you have lost the receipt or the store refuses to take it back then you are covered with your Blue Cash card. If you find yourself in this position and it is less than 90 days since the purchase American Express will refund you up to $300 per item up to $1,000 annually. This offer does exclude any shipping and handling fees.

No Over Limit Fees

In 2009 American Express removed all over limit fees. If your account is in good standing and you pay your bills on time you will not have to pay a fee for going over your credit limit. See also, American Express Cards

Tractor Supply Credit Card

Tractor Supply Credit Card Review

Tractor Supply Credit Card

Tractor Supply Credit Card

Looking for a Tractor Supply credit card review? Need more information to understand your options and what’s available? This credit card might be perfect for you, and this in depth review covers this credit card in detail including rewards information and tips, interest rates, terms and conditions, fees, online account management, how payments are calculated and applied, as well as dispute resolution.

Tractor Supply Company

As the largest operator of rural lifestyle stores in the U.S., Tractor Supply operates over 1,400 retail stores in 49 states. The company is headquarter in Brentwood, Tennessee and employs more than 21,000 people. The company began in 1938 as a mail order catalog business that sold tractor parts to farmers. Tractor Supply now typically offers unique products and services for agriculture, country living, the garden and the home in its 15,500 square foot facilities. These products include clothing and footwear, dog, cat & pet supplies, trailers & accessories, lawn and garden supplies, welders & welding supplies, fencing, tools & gun safes, and lawn mowers & power generators.

Tractor Supply Credit Card

Currently, the main offer that comes with this credit card is a no interest scheme which applies for a six-month period on all purchases made over $299. So if you often make large purchases at Tractor Supply Co and have no other reliable way to achieve zero interest, then this card makes a reasonable choice. Aside from this offer you also get other cardholder benefits, such as advanced sales notice and exclusive sales events for cardholders only. The no-interest offer is subject to change so make sure you visit the website to see what offer currently applies.

There is also a long-term purchase plan available on a low rate of interest to make your repayments more affordable over a two or four year period. The two-year low interest period applies to purchases over $499, and the four-year period for purchases over $999. See the interest section below.

Apply Online Tractor Supply Credit Card

Apply Online Tractor Supply Credit Card

Tractor Supply Credit Card Terms and Conditions

The standard rate of interest on purchases is 25.99% APR. On extended purchasing plans (24 or 48 months) the rate of interest is 13.99% APR. Cash advances are available at a rate of 29.95% APR with a fee being the greater of $10 or 5% or transferred amount. The minimum interest charge on balances is $2. Late payment and returned payment fees are up to $35. Complete terms and conditions can be found at this link. Click page 2 below to learn about Tractor Supply credit card fees.

American Savings Bank Credit Card

American Savings Bank Credit Card Review

American Savings Bank Credit Card

American Savings Bank Credit Card

American Savings Bank offers financial services and investment planning for the people of Hawaii, and in partnership with First Bankcard, this bank now is now offering credit cards. If you are a customer of this bank and are looking for a new credit card, or if you are simply searching around for a new bank card partnership, these cards are worth taking a look at. There are three choices available:

  • Maximum Rewards Visa: This card offers you 1 point per dollar spent. Your points can be redeemed for a host of different rewards courtesy of the flexible Maximum Rewards Program. Introductory rates are available for 12 months. Standard rates range from 13.99% to 19.99%.
  • Platinum Edition Visa: With a rate as low as 9.99%, this card may appeal to you if you just want low offers and also want to keep things simple. There are no rewards available, though there are introductory rates available for 12 months.
  • Secured Visa: This is a fairly typical secured credit card that gives you a credit limit in return for a deposit. This card is flexible because you can increase your collateral deposit at any time. Automatic reporting is provided to the three major bureaus.

With an American Savings Bank Credit Card you will need to keep a close eye on your account and make sure that you keep up with your payments. Penalty APRs apply, which are up to 29.99% depending on your credit history. There are no annual fees to pay. The grace period lasts for at least 21 days.

Credit cards with American Savings Bank are issued by First Bankcard, a division of First National Bank of Omaha. A number of different payment options are available with this provider. Credit card customer services are available at 1-888-295-5540.

Apply Online - American Savings Bank Credit Card

Apply Online for the ASB Credit Card

Online Payments: It is always important to keep on top of your credit card balance and manage your payments properly, and this is made easy with the online service available with First Bankcard. Once you have registered for this service you can make free single payments at any time or enroll in the monthly Autopay service. There is also a free Account Alerts service which you can use to ensure that you do not exceed your credit limit or miss a bill payment.

BBVA Compass Credit Card

BBVA Compass Credit Card

BBVA Compass Credit Card

BBVA Compass Credit Card

BBVA Compass offers the Optimizer Credit Card, BBVA Compass ClearPoints Credit Card, VISA Signature Credit Card and the Select Card.

Cardholders can take advantage of attractive interest rates, both variable and non-variable APRs, and more.

The Optimizer Credit Card has an APR of 16.24% for both purchases and balance transfers. The APR for cash advances is 25.24%. An annual membership fee of $40 is applicable unlike some other credit cards. The minimum interest charge is $1. The payment due date is 25 days after the close of the billing cycle each month, giving users ample time to clear their dues. Late payment and returned payment fee are $35 and $25, respectively.

The BBVA Compass ClearPoints Credit Card has an introductory APR of 0% for purchases for the first 6 months. Post that a variable APR of 9.24% to 23.24% is applicable. An introductory APR of 0% or 3.99% is available for balance transfers for the first one year. Post that a variable APR of 9.24% to 23.24% is applicable. The APR for cash advances is 22.24% to 27.24%.

No annual membership fee is applicable. The minimum interest charge is $1. The payment due date is 25 days after the close of the billing cycle each month, giving users ample time to clear their dues. Late payment and returned payment fee are up to $35 and $25, respectively.

The VISA Signature Credit Card has an introductory APR of 0% for purchases for the first 6 months. Post that a variable APR of 9.24% to 13.24% is applicable. An introductory APR of 0% or 3.99% is available for balance transfers for the first one year. Post that a variable APR of 9.24% to 13.24% is applicable. The APR for cash advances is 22.24%.

No annual membership fee is applicable. The minimum interest charge is $1. The payment due date is 25 days after the close of the billing cycle each month, giving users ample time to clear their dues. Late payment and returned payment fee are up to $35 and $25, respectively.

The Select Card has a variable APR of 13.24% to 17.24% for purchases and balance transfers. The APR for cash advances is 22.24%.

No annual membership fee is applicable for the first year, after that it is $125. The minimum interest charge is $1. The payment due date is 25 days after the close of the billing cycle each month, giving users ample time to clear their dues. Late payment and returned payment fee are up to $35 and $25, respectively.

If you are looking for credit cards with low APR and interest rates, the BBVA Compass credit cards should meet your requirements.

The online payment service lets cardholders make payments smoothly and securely without any hassles. Users can check their account details, update personal information, view e-statements and more. Users also have 24/7 access to their account.

BBVA Compass

Formerly known as Compass Bancshares, BBVA Compass Bancshares, Inc. is headquartered in Birmingham, Alabama, and has assets worth $65 billion. BBVA Compass holds the distinction of being one the biggest 25 banks in the U.S. and has 716 branch locations. It has several branches in Alabama, Arizona, California, Colorado, Florida, New Mexico, and Texas.

Subaru MasterCard

Subaru Credit Card Review

Subaru MasterCard

Subaru MasterCard

Thinking about applying for the Subaru Credit Card? Read through this review to understand what this credit card offers and how good the rewards are.

Subaru Motors

Head-quartered in Shinjuku, Japan, Subaru is an international automobile manufacturer, most well-known for sporting car models common in rally, the boxer engine and four wheel drive, though they are still a highly popular provider of general vehicles, combing the latest technology for superior performance, comfort and durability.

The Subaru Rewards Credit Card

The Subaru Rewards credit card is touted as one of the best auto-mobile provider credit cards, and for many good reasons. It has a good APR, introductory rates, gives you rewards over time for purchases, and can be used like any other major credit card thanks to it being a MasterCard. The reward scheme earns you up to 3% back on any qualifying purchases you make such as dining or gas (up to 500 Rewards Dollars available to earn each year) which you can then redeem for Subaru parts, servicing, car purchasing and leasing, either new or pre owned. You first purchase also gets you 25 bonus Subaru Reward Dollars. It is simple to keep on top of your points – each time you earn 100 points you get a coupon delivered to you in the post.

Terms and Conditions

Users get 0% APR on purchases and balance transfers for the first 6 billing cycles after the account is opened. Once the introductory period is over, a standard rate of 16.24% APR applies. Cash advance and overdraft advance APR is 24.24% These rates will vary depending on the Prime Rate. Penalty APR is 29.99%. No annual fee. Transfer fess $5 or 3% of transferred amount. Late payment, over-credit and return payment fees are a maximum of $35.

Subaru Rewards Credit Card Online Account Management

The Subaru Credit Card is issued by Chase Bank, and you can use Chase to manage your credit card with a convenient online account management service. With this service you can oversee your account, pay your bills, opt to go paperless and much more.

Dispute Resolution

The Subaru Rewards credit card is issued by JP Morgan Chase has standard dispute resolution procedures in place if you have an issue with your card or a transaction. The procedure requires you notify them in writing to begin the resolution process. Within 30 days of receiving your notice they will contact you letting you know they have received it. If the issue has not yet been resolved when you get the first response, within 90 days of receiving your notice they will contact you again. They will either have corrected the issue, or provide an explanation why they believe the bill is correct. During this process they will not try to collect any disputed amount from you and they will not report any disputed amount to any credit reporting agencies.

There is no mandatory Arbitration agreement associated with this card. This means that in the event a dispute cannot be resolved with the bank, claims can be brought in a Court of proper jurisdiction. All claims regarding the card must be litigated under Delaware law.

Priceline Rewards Visa Card
Priceline Rewards Visa Card

Priceline Rewards Visa Card

Interested in the Priceline credit card? Are you a frequent traveler looking for a new credit card to help you save money? The Priceline Credit Card is now available, and this review gives you details on their credit card range, what rewards and savings opportunities are available with them, and online account management capabilities. This card functions as a general purpose credit card.

Priceline

Priceline.com is an online shopping site that lets you compare between all things travel, helping you to find the best deal and get a good range of discounts for all related products and services. From searching to a hotel quickly to planning a long term cruise, Priceline makes holidays and traveling as affordable as possible, and the new Priceline Credit Card can take those savings even further.

Priceline Rewards Visa Card

The Priceline Rewards Visa Card offers attractive benefits that can really make your loyalty to Priceline worth the effort. You get 2 points for every dollar you spend where Visa is accepted. You also get 5 points for every dollar you spend on applicable Priceline ‘Name Your Own Price’ purchases. These rewards can be redeemed to save money on car rentals, airlines, and hotels, or you can simply take these points and turn them into statement credits, effectively allowing you to buy anything with your points. Furthermore you get 0% interest on balance transfers for the first 15 billing cycles after account opening. If you are a first-time Cardmember with a new account, you get 5000 points for your first purchase too, and 5000 bonus points are applicable for transferring a balance.

Priceline Rewards Visa Terms and Conditions

The Annual Percentage Rate for purchases and balance transfers varies between 14.99% and 21.99% depending on your credit score. Cash advance APR is 25.24. APR will vary according to the Prime Rate. Penalty APR up to 30.24%. Minimum interest charge $2. No annual fee. Late payment fee and returned payment fee up to $35 each. You can avoid paying interest on your next balance is you pay the current balance before the due date (23 days). Complete terms and conditions information can be found on the credit card’s website.
This card is competitive with most general purpose credit cards.

Priceline Credit Card Payment Options

Priceline offer many options for paying your credit card bill. Like many other card providers, Priceline let you manage your credit card account with ease and simplicity thanks to the online account service.

Dispute Resolution

To dispute a transaction on your account, you may call Barclaycard or write them at the address listed in the cardholder agreement within 60 days in which the charge appears on your billing statement. Cardholders of the Priceline Rewards Visa card must agree to binding Arbitration as the sole method of dispute resolution.

Eddie Bauer Credit Card
Eddie Bauer Credit Card

Eddie Bauer Credit Card

Searching for the Eddie Bauer credit card? Looking for a new store card and weighing up the options? The Eddie Bauer Credit Card may be the option to take, and this review will help you decide. Provided are terms and conditions information, rewards and incentives and comparisons with similar store cards, plus an overview of what Eddie Bauer Credit Card payment options are available.

Eddie Bauer

First opened in the 1920’s, Eddie Bauer Holdings (the company that owns Eddie Bauer) own retail stores, outlet stores and order centers for their outdoor, sporting and similar apparel. Eddie Bauer has 370 stores located in the US and Canada, offering men’s and women’s clothing, children’s clothing, footwear, swimwear and other gear suited for outdoor types and adventure lovers.

Eddie Bauer Credit Card

This credit card offers a few rewards, though there is nothing special and no great incentive to spend more, such as rewards, point or cashback schemes that you get with other retailers. The first reward your get with this credit card is 15% off your first purchase as soon as you have opened the account. As a personal touch, when your birthday rolls around you also get $15 off of a purchase of your choice. Cardholders can expect to receive exclusive rewards throughout the year, including coupons and offers that come with the Eddie Bauer cardholder newsletter.

Eddie Bauer Credit Card Terms and Conditions

Normal APR on purchases is 24.99%, which will vary depending on the Prime Rate. Being a store card and not Visa or MasterCard, you get no balance transfers or cash advances. The minimum interest charge is $1. No annual fee. Late payment fee is up to $35 and returned payment fee up to $25.

Given the relatively high rate of interest and the absence of any point rewards program, it makes more sense to pay you balance off in full each month, enjoy what money-saving benefits you do get and build your credit score accordingly. On purchases you make, you have 25 days from the last bill payment due date to pay off the balance in full, and you will not be charged interest.

The Eddie Bauer credit card has an APR that is competitive with other store credit cards. However, the APR is a bit high when compared to general purpose credit cards such as those offered by Discover and Chase.

Dispute Resolution

The Eddie Bauer credit card is issued by Comenity Bank and Comenity has standard dispute resolution procedures in place if you have an issue with your card or a transaction. The procedure requires you notify them in writing to begin the resolution process. Within 30 days of receiving your notice they will contact you letting you know they have received it. If the issue has not yet been resolved when you get the first response, within 90 days of receiving your notice they will contact you again. They will either have corrected the issue, or provide an explanation why they believe the bill is correct. During this process they will not try to collect any disputed amount from you and they will not report any disputed amount to any credit reporting agencies.

The terms of service contains a standard arbitration agreement which may be rejected by the cardholder. To reject the standard Arbitration Agreement you must send a written notice rejecting arbitration within 30 days of receiving your account agreement or notice of your right to reject. If you reject the Arbitration Agreement, only a court may be used to resolve any dispute or claim.

In the rare event that the parties fail to resolve the dispute, if you have not provided a notice of arbitration rejection the parties agree via the terms and conditions to resolve the dispute via arbitration. Should this occur, the party asserting a claim must provide the other party with written notice and an opportunity to cure of not less than 30 days.

Eddie Bauer Credit Card Credit Card Online Account Management

Eddie Bauer cardholders can pay their credit bills either online, in-store, by phone or by mail. You may be able to make a transfer from a valid bank account by going to your local bank. The online account service is a convenient way to manage your account and make bill payments. Make sure you read this FAQs page so that you always make payments on time and avoid paying costly charges.

Furniture Row Credit Card
Furniture Row Credit Card

Furniture Row Credit Card

Considering the Furniture Row credit card? Looking for a new store card that takes the load off furniture purchases? This review takes a look at the new Furniture Row Credit Card, so please read on to see how this card can help you save money, including terms and conditions and rewards details. This card functions as a standard store credit card.

Furniture Row

This company specializes in all things furniture and furnishings, and while it is one of the biggest in the US with stores in over 31 states, Furniture Row is still a family owned business. Each store has sections dedicated to sofas, furniture, bedroom and mattresses, and you can save money on everything by making your purchases using a Furniture Row Credit Card.

Furniture Row Credit Card

The credit card offered by Furniture Row is the Express Money Card, and with this card customers are given spending freedom thanks to special financing offers available when the card is used. The best financing with this card is the 0% interest you will receive if you pay over a certain amount. This is a key benefit that places the Furniture Row credit card above traditional store credit cards.

The financing options available to you will depend on what you spend, how much you spend, and when you spend. If you make a big purchase at the right time such as a sale event, you can receive no interest for up to 2 or 3 years. For example, Furniture Row is as of writing offering a Labor Day financing deal of no interest until 2015 and $25 monthly payments for qualifying purchases above $1999. Furniture Row provides customers such offers fairly frequently. If you want to know more about what options for financing are available to you, speak with a customer advisor in-store.

Furniture Row Credit Card Terms and Conditions

The standard APR rate for purchases on this card is 24.9%, which comes into effect after any promotions have ended. Penalty APR is 28.9%. As with most store credit cards, There are no balance transfers or cash advances available. Minimum interest charge is $2. For more terms and conditions information, you must get past the first stage of the application process. Given the APR, the Furniture Row card is very a competitive standard store credit card, and when you consider other financial offers and specials from Furniture Row this card can compete with general purpose credit cards.

Online Account Management

When you use your Furniture Row Express Money Credit Card to finance expenditures, you cannot make payments in store. Your options are to either pay by mail or with the online account service. The Furniture Row online account service is handled by the issuer, Capital One. With the online account service you can see your transaction history and credit balance, manage your personal details and pay your credit card bills.

One down side is that Capital One does not provided customer service information online with regards to this card. However, you can contact customer service via an 800 number and online contact form.

All in all the Furniture Row credit card is a solid offering.

Abercrombie & Fitch Credit Card
Abercrombie & Fitch Credit Card

Abercrombie & Fitch Credit Card

Considering the Abercrombie & Fitch credit card? Looking for a good store credit card for you fashion purchases? This review takes a look at the Abercrombie and Fitch Credit Card to help you make up your mind, with information on all aspects of the credit card and an impartial evaluation of how it stacks up against similar store cards. This credit card functions as a traditional store credit card.

Abercrombie & Fitch

Abercrombie & Fitch is a popular fashion brand and a retailer, principally for casual clothing and sportswear. The brand currently has more than 300 stores in the US and an ever increasing international presence. The company has been through both good times and bad times, though at present A&F are doing extremely well with the Abercrombie & Fitch Credit Card undergoing recent improvements to help customers make more savings.

Abercrombie & Fitch Credit Card

This credit card offered by Abercrombie and Fitch provides payment convenience for purchases made in-store, from the Abercrombie & Fitch catalog and online. The card also offers all of the prestige associated with carrying a card from this retailer. Having said this, there are no real monetary rewards to be gained from spending with this card, and this makes other high-end store cards a better option if you are interested in a particular reward scheme or reward discounts.

Apply Online - Abercrombie & Fitch Credit Card

Apply for the A&F Credit Card Online

One good feature with this card is its availability. When you apply for this card, you have a fairly good chance of being accepted. However, depending on your creditworthiness, the credit limit you receive may be appreciably low (up to $500). Given the low credit limit, the interest rate is fairly high, and so you will want to keep your balance as low as you can by making timely payments each month or by paying off the balance in its entirety after each purchase made with the card.

It may be to your advantage to apply for this card in-store, as you may be offered an introductory discount on the first purchase you make with it at that time.

Terms and Conditions

The APR for purchases is 24.99% (Typical with store credit cards, there are no balance transfers or cash advances available). The card has a minimum interest charge of $1. There is no annual fee. The late payment fee is no more than $35, and returned payment fee is no more than $25. You can avoid paying interest by paying your balance off in full in the grace period of 25 days. Utilizing the grace period is a great way to keep your interest charges low, while enjoying your credit privileges.

Although an APR of 24.99% is fairly competitive with other store credit cards, this rate is a bit high when compared to general purpose credit cards. However, if you have less than perfect credit, this rate is competitive with most credit cards.

Online Bill Payment Options

Abercrombie & Fitch Credit Card holders have a number of payment options available to them. Check with you billing statements for more information about your payment options.

The easiest way to handle your credit account and pay your bills is with the online account center. With it you can check your balance, manage your account details and make bill payments.

Bealls Credit Card
Bealls Credit Card

Bealls Credit Card

Searching for the Bealls credit card? The Bealls credit card has recently undergone some updates and changes, and if you are trying to make up your mind whether or not you should get the Bealls Credit Card, this review should assist you. You may read further for credit card rewards, benefits and terms and conditions. The Bealls card functions as a tradition store credit card.

Bealls Stores

Bealls origins can be traced back to the 1920’s where the first incarnation of the store was run as a family business by the Bealls brothers. A merger in the 80’s united Bealls with Palais Royal, and later on the company began public trading under Stage Stores Inc. Stage Stores now includes Bealls, Peebles, Palais Royal and Goody’s  stores. Bealls is currently based in Texas, and this review deals with this brand only, not the line of Bealls stores based in Florida.

The Bealls Credit Card

The Bealls credit card helps you get more discounts the more you spend over time, such as a membership tier system and regular money saving offers. The lead-off benefit you will receive is a 10% discount on the first purchase you make with the card. While this credit card has no formal points based gift certificate system, you can build up VIP points, and with enough VIP points you can reach Bronze, Silver or Gold status, offering you extra exclusive rewards.

The fact that you don’t get gift certificates after building up a certain amount of points may dissuade some people, but you do get 12 money saving offers each year, and exclusive savings events and savings coupons mailed to you. This card is thus good for people who don’t want to be required to spend large amounts for reward points, or do not plan on using the card extensively.

Terms and Conditions

This is a store card so there are no balance transfers or cash advances available. APR is 24.99% variable depending on the Prime Rate. No annual fee. Late payment fee and returned payment fee up to $25 and $30 respectively. The grace period for zero interest on balances is 25 days. With an APR of 24.99%, the Bealls credit card is a competitive store credit card, however the APR is a bit high when compared to general purpose credit cards.

The Bealls Credit Card is issued by World Financial Network Bank (who act as the issuer for many other store credit cards) and their online account service makes it simple to pay your bills, see you statements and manage your account in general. The online service can also be accessed in mobile form from your smartphone so you can make secure payments.

Follow Us:

RSS
Follow by Email
Facebook
Facebook
Google+
Google+
http://firstcredit.net/tag/credit/">
SHARE