Introducing the legacy visa credit card
The Legacy Visa credit card aims to rebuild the credit rating of people affected by the financial crisis.A new hope has come.
How the legacy visa card works
You may be wondering how the Legacy Visa card helps in repairing your damaged credit standing. Once offered, you can use the card for purchases then pay the billed amount on or before due date.
The First National CC reports to the three US credit bureaus namely: Equifax, Experian and TransUnion. Your payment will be reported, recorded then included in the bureau’s credit report.This creates a new look on your credit rating.
As you are still in the process of rebuilding your credit record, the Legacy Visa card only offers a low credit limit. But with a good payment record, the limit will eventually increase.
You can shop, dine or travel and let the Visa card pay for your expenses. You can use this card wherever a Visa type of card is accepted.
You can compare the interest rate of the Legacy Visa and discover that it indeed has a low variable rate compared to other bad credit cards.
Payment options for the legacy visa credit card
There are different options for payment. You can choose an automatic payment method so you are sure that you will not default in payment, if you forget about your due date. In case of extreme emergency where you may need immediate cash, you can make
cash advances and withdraw your cash from ATM machines.
Taking a look at the features, the Legacy Visa card is indeed a great credit card. You can view your account status online which saves you from being victimized by identity and password theft. The online management of your account can be done 24/7.
Introducing the Hawaiian Airlines Credit Card
The Hawaiian airlines credit card is a relatively new service, provided by Barclaycard, which offers a reward program benefit frequent users of the airline. A good incentive is provided upon joining the program, with a 35,000 mile sign up bonus included. Barclaycard is not the only partner for the Hawaiians airlines credit card, as Bank of America also support the card. This is a MasterCard service. The only stipulation in be able to acquire the 35,000 miles would be to make at least $1000 worth of purchases within the first 90 days. So if you are a frequent flyer with Hawaiian airlines, and you plan to travel with them in the near future, this card may be worthy of consideration.
Hawaiian airlines credit card benefits
Other benefits of the Hawaiian airlines credit card include the cruel of 2 miles for every dollar spent on direct purchases from the airline. There are also additional incentives, such as the 50% off companion discount for coach travel. There is also the opportunity to earn up to 10 miles for every dollar spent with participating partners of the programme. There is an $89 annual fee for the card, which may be considered pricey, so it is imperative that applicants for the card know that it is highly likely that they will be using the airlines services in the near future. Another benefit of the service is the ability to share miles between friends and family. Smart chip technology is used in the Hawaiian airlines credit card, like many other similar cards in the market. There are no foreign transaction fees are using the card, which is seen as a welcome benefit. Transaction fees this card are at a similar rate to other services in the market. Overall, there are benefits to be had from using the Hawaiian airlines credit card, particularly if it is your airline of choice.
Introducing the Alaska Airlines Credit Card
The Alaska airlines Visa Signature credit card is an awards card which allows you accumulate air miles for use in travel. Typically, you will earn one a mile as a reward on all general purchases. If however, you can delete any purchases on Alaska airlines tickets, then the rewards are greater, typically offering three and miles for purchases of airline tickets or vacation packages. There are lots of bonuses to be had with using this card. For example, you can earn up to 5 miles for every dollar spent using mileage plan dining. Unlike other similar cards, there is no cap on the amount of miles that you can accrue using the Alaska Airlines credit card. It must be noted that Miles accrued are not a redeemable against Alaska Airlines, but also against a panel of a dozen or so additional carriers.
Alaska Airlines Credit Card Rates
The typical APR for the Alaska Airlines credit card is around 14 to 15% on purchases, with an annual fee which can range from $35 up to a maximum of $70. The balance transfer fees are typically 3%. Many of the security options that are available to other similar cards are provided for the Alaska Airlines card, such as account alerts, mobile banking, text banking and chip card technology. Overall, the Alaska Airlines credit card is recommended for consumers from the this is their airline of choice, and will enable them to further enhance the benefits of travelling with Alaska Airlines.
Introducing the Lord and Taylor Credit Card
The Lord and Taylor credit card is a relatively new service, which offers rewards to consumers who are loyal and frequent purchasers of their products. Lord Taylor is a fashion retailer catering to men and children, selling fashionable clothing and accessories. Their credit card offers numerous benefits and discounts, some of which are limited, others which are more permanent. Typically, there is a standard 15% discount on all products that are purchased in the store. There are also special birthday savings during your birthday month. The Lord and Taylor credit card is basically a loyalty card which can be recommended to frequent purchasers of their products, in order to enable savings and provide easier ways to pay.
Lord and Talor credit card benefits and allowances
Regular rate of APR on the Lord and Taylor credit card is typically around 25%. It must be noted that balance transfers are not permitted when using this card, so customers who generally use multiple credit cards and store cards will not be able to benefit by this method. It is therefore recommended all loyal customers only. It is easy to acquire the card as there is no annual fee, minimising the barriers to entry on the programme. At this time, the maximum rate fee charged is around $35 with a 23 day grace period. The Lord and Taylor credit card offers many of the online features common to similar store cards including online statements and electronic payments.
Introducing the American Eagle credit card
The American Eagle credit card is a product produced by American Eagle outfitters, the casual clothing high Street retailer for both men and women. There are three different brands of card available, which can be applied for. These include, platinum card, the platinum awards card and the signature card. Each of these have different characteristics which will appeal to the differing spending habits of consumers.
Different options for the American Eagle Credit card
The platinum version of the american eagle credit card is targeted at people who wish to rebuild their credit rating at the same time as making purchases. This version has the lowest APR of three, currently capped at 9.9%. It has the lowest credit limits of the three, ranging between $500 to a maximum of $25,000. Other benefits include travel accident insurance up to a maximum of $400,000. By comparison, the Platinum rewards card offers more overall awards, but typically has a higher APR of approximately 11.9%. It is clear that this version of the card is targeted at the average shopper purchasing American Eagle products in-store and online. Lastly, the signature version of the American Eagle credit card, targets both the frequent shopper and frequent traveller. The APR is typically 10.9%. The travel accident insurance cover offered covers up to $1 million. It has the highest credit limit of the three ranging from $5000-$30,000. Other benefits include increased member offers and discounts. Additional online security and purchase protection is included with this premium version of the American Eagle credit card.
It has never been easier to make payments using the Walmart credit card. This card is the responsibility GEMB when it comes to issuance to Walmart clients. GEMB stands for General Electric Money Bank and it has a wide coverage when it comes to providing Walmart credit card in the United States of America. The following set of information will clearly guide one on how to make payments on one’s Walmart credit card.
what is required to make Walmart Credit Card payments
For this to be made possible one is required to be equipped with the following; one crucial thing that is required for Walmart credit card process is account number related to the credit card. The second thing that is required entails one’s bank information, but this is optional at this particular case.
Making online payments
Online payments are made each and every minute across the globe, hence this is also a possibility when it comes to the Walmart credit card. The process entails first that the user to visit financing page on Walmart homepage. This action will result in the user being forwarded to a page where one is required to click on link depicting one’s account.
After accessing ones account the next process is to click on “register here” where one will be prompted to enter his/her Walmart credit card number. This number entails 16-digits; this process is followed by the user entering his/her name together with the billing information. A strong password is required to be entered so that the account can be difficult to be hacked.
After making good process one will be able to have access to the account and be able to make secure payments in a touch of a button. The process is simple by clicking on payments link which will guide the user on which information is needed to make online payments.
what about in-store payments
The second part involves making payments that are categorized as in-store; in this particular case; one is required to find out if his/her Walmart credit card is accepted in money center present in various stores that one is interested in. The best way to know this is to ask the store that one is in for this kind of information.
The representatives that are present in the store are very legible to carry out payments for the customers where they will guide the customer in-person. It is a quick and easy process that is undertaken the minute one has selected goods and services that he/she is interested in. Although this payment may not process within the same day those that are interested in making payments and be processed the same day are advised to make use of online payment processing.
The rules and regulations governing the Walmart credit card are simple and clear, hence it is highly recommended that the user goes through the terms and conditions governing issuance and usage. This document is accessed when one first applies for the Walmart credit card.
Also one is required to know that some stores require one to be a member of that particular store before they can accept any form of credit bill to exist between the customer and them.
The TJ Maxx credit card is best suited for those people that are fond of shopping at the TJ Maxx Marshalls. This store has partnered with GE Capital Retail Bank in order to ensure that the customers that are interested are able to access the credit card very fast. Many credit cards that are available in the market have the rewards programs and the same applies to the TJ Maxx credit card. The card can be used to pay the bills and this has contributed to the economy growing at a faster rate.
This credit card has enabled the use of the online services and this demands that the member has to sign in into his/her account in order to get access to the services.
How to use the TJ Maxx credit card
As stated earlier, this credit card is best suitable for those people that love shopping at the TJ Maxx Marshall. The following are the steps that are to be followed when one wants to his/her credit card at Marshalls. It is advisable that one has to be well updated on his/her balance before going ahead to do shopping. This is meant to avoid the situations whereby one spends more than what he/she has in the account. Once one is informed of the balance with the help of the employee at this retail shop, then one can go ahead to do the shopping. The Marshalls have also introduced the gift card to the customers and this can be used to make payment for the purchases.
At the cashier, the gift card will then be swiped and the amount deducted from the card. There are instances whereby one might spend more than what he/she has in the account. If this arises, then one is advised to pay for the excess amount using cash.
Benefits of the credit card
The TJ Maxx credit card has many benefits attached to it. First, the card can be used anytime; thus there are no time restrictions on when the card should be used. Online services have enabled the customers to comfortably keep note of the account activities. Instead of visiting the bank to have the statements, one can easily access them via signing into the account. One can also make a payment online, hence saving on time.
The store has also tried to keep its customers updated on any offers, transactions or any inconvenience that might come up in case of any disclosure of a particular service.
Contact information of the credit card
The payment of the bills can be done online and at the same time, one can do via the mail. The address that is to be used is “TJX Rewards, P.O Box 530948, Atlanta, GA 30353″. Once the card application is approved, one is able to save 10% on the first purchase either online or in-store purchase. The card also has the rewards attached to it whereby one can earn up to 1000 points and this is equal to earning a $10 reward certificate.
The Limited credit card is being offered by The Limited. There are two types of cards that are being offered and they include The Limited credit card Classic and Couture. This credit card is limited to The Limited stores. The company also provides the online services that have enabled the paying of the bills, viewing of the statements and managing of the accounts. When it comes to the application of this credit card, not all of them receive the approval. Just like most of the credit cards, The Limited credit card comes with the rewards program in order to attract as many customers as possible.
This article will highlight the features and benefits that the cardholder has to put with. The rewards are earned through the accumulation of the points.
Basic information on The Limited credit card
In order for one to earn the points, one has to use his/her The Limited credit card to do the shopping. The points can then be transformed into rewards and in most cases, one is entitled to $15 reward for every 300 points that he/she earns. According to the latest information provided by The Limited, the company has indicated that the reward program might be changed or rather discontinued any time. This is therefore not an assurance that one will earn the rewards provided that he/she uses the card.
The card application can be done online for fast and convenient transactions. After opening the account or rather receiving the approval, one gets a 15% off the first purchase that one makes. The card comes along with many benefits that the card members frequently enjoy. In addition to the above benefits, there are special birthday savings that have been put in place for the customers.
Steps on how to log in
In order to access the account information, one has to sign in into his/her credit card account. The company has come up with the website whereby the customers are able to access the sign in details. One is required to enter his/her user name followed by the password. If one is making use of a public computer, caution has to be exercised in order to avoid the information landing in the wrong hands. One should not click on the option “remember my identity”. The company has also established the mobile site that can be used in managing the account over the phone, pay the bills and much more.
More details of the credit cards offered
The Limited credit card does not charge any application fee and this remains an assurance to the applicant that he/she does not need to suffer any loss in case the application is not approved. In addition, there are no annual fees charged. There are discounts that have put in place and this is mainly on the shipping provided that one spends the stipulated amount. The essence of using the online services is that one does not need to go to the bank to have his/her statements, they can be obtained online.
The Shell credit card is being offered by the Shell. This is a company that focuses on the selling of the oil products and the reason behind the invention of the Shell credit card is to retain the already existing customers as well as attracting more of them. The credit card has the rewards program alongside it and this has been helpful to many Shell customers. The customers are able to save money when they make the gas purchases using the Shell credit card.
Shell has also made it attractive to the customers because they have enabled to save money when they pay for the auto maintenance services.
Features of the Shell credit card
For the first 14 months, the cardholder is entitled to some benefits that include the 0% introductory annual percentage rate. Within this period, the card member does not need to part with any rates when it comes to the balance transfers. When the 14 months after receiving the card are over, there is a variable APR that is imposed on any purchases. To each balance transfer, there is a rate that is imposed. The Shell credit card can be used at the Shell gas stations as well as the other gas stations.
In addition, there is no annual fee attached to this card. For the first time users of the card, there is no late fee charged in case of a first late payment. The foreign transactions can be carried out without having to pay the fee, thus there is no foreign transaction fee imposed. The Shell credit card can be used for various purposes, such as paying the bills, checking the Shell gift card balance. The card also comes with the rewards program, thus the cardholders are able to access the rewards or offers that have been put in place.
Additional information on the credit card
As stated earlier, the Shell credit card has the rewards that come when the purchases are made using the card. For every dollar spent on the gas, utility purchases and grocery, the cardholder is entitled to 2 points. This is only applicable if the purchases are made at the Shell, but if it is elsewhere, one only earns a point for every dollar spent. The points can be transferred into cash once they have accumulated. The good thing with this credit card is that there is no limit imposed when it comes to the points that one has to earn.
Final details on the Shell MasterCard
In order for the cardholder to be eligible for the diesel or gasoline savings, one has to make purchases of at least $500 within a billing cycle. The savings in that billing cycle will be transferred into the next billing cycle. The credit card also offers credit and once the card member becomes eligible for the credit, he/she will get the credit only for the first 100 gallons of fuel purchased using the Shell MasterCard. It is best to go through the information provided by the Shell before applying for one.
The Sears credit card is being offered essential by the Sears Stores, but it has gone to an extent whereby the card can be found in many banks. This credit card has been found to be essentially suitable for those people that frequently visit the Sears Stores. The good thing with this credit card is that one is entitled to many discount opportunities. In addition, the members do not have to part away with the annual fees because the card does not charge them. In order to reduce the congestion at the store, Sears has gone to the extent of establishing the online services. Online services have been found to be convenient and fast enough.
How to log into the Sears credit card account
In order to take advantage of the online services that are being provided, one has to create a credit card account as the initial step. When creating the account, one has to enter his/her user ID together with the password. It is advisable for one to constantly change his/her password after a period of 60 to 90 days in order to keep the information and identity as secure as possible. The essence of creating the credit card account is to enable one to access his/her account information without having to visit the bank in person.
The account can also be used for other purposes apart from getting access to the account information. The online payment method has been facilitated by the Sears credit card. Sears have also come up with their own official website (www.sears.com) and this can be used as one way of logging into the account. If one decides to visit the main webpage, he/she will be required to enter six digits as they appear on the Sears credit card.
Benefits of using the credit card
As stated earlier, the cardholders are entitled to good discount opportunities. The main perk by the Sears Stores is the 20% discount on the specific purchases. This 20% discount only comes in specific times of the year and not in all occasions. Another benefit on offer is that if the customers finds that the product does not meet his/her needs, then he/she has the freedom to return it to the store without having to show the receipt provided that the Sears credit card was used to make payments.
Currently, the Sears credit card is being offered by many banks, such as Citibank, HSBC and many more.
Final details on the credit card
The payment can be made in three ways; over the phone, online or via the mail. One can also use the card to make payment in person. The annual percentage rate charged on the Sears credit card is variable, but is about 22.15%. Just like the online payment, the credit card has allowed online application. The cardholder is also able to save money based on the special financing offers that have been put in place. The savings are on a monthly basis, thus the card has more to offer.
Sam’s credit card is used at the Sam’s Club and it used to pay for the purchases. The credit card eliminates the burden of carrying around large sums of money. In general, this means that it reduces the cases of theft. The features that are almost common to all credit cards are also found on the Sam’s Club credit. Into depths, this means that this card is being used a method of payment and in order to ensure efficiency, the Club has come up with the online services as well.
This article will put emphasis on the features of this credit card and what it offers to its customers.
Instructions on how to get Sam’s credit card
There are only a few elements that have to be in place in order for one to get this credit card. One has to fill in the credit card application form and submit it. On the form, personal information has to be filled in. First, one has to come up with the account that will comfortably suit the needs of the applicant. This means that if one is shopping for personal needs, then the best account should be personal. If it is for a small business, then the business account is the best option. Another thing that one has to select is the rewards. The option that one opts for should be able to meet the needs of the applicant.
The rewards options include various programs, such as a cash back program, cards with no annual fees charged. The application can be done online or visit the club to have the form filled in. The application process involves filling in the personal information as demanded. Once the application form is filled completely, then one can submit it. If the application is approved, one will receive the Sam’s credit card via the mail.
Replacement of the credit card
There are cases whereby one may want to have his/her Sam’s credit card replaced. This demands that one has to visit the Sam’s Club in order to be serviced. The card may have gotten lost, or rather one wants to get a new one. This can only be done if one gives a reasonable reason behind the need for the card replacement. If the card was stolen, one has to indicate so in order for the stolen card to be cancelled.
The representative at the club will ask the client to submit a form of identification in order to compare it with the information on the Sam’s credit card.
Final details on the credit card
If there is no cause for alarm, the client will be handed a new credit card. This credit card charges no annual fee. In order to enter the Sam’s Club, one has to show the membership card in order to be allowed in. In conclusion, Sam’s Clu offers its customers with two types of credit card accounts; consumer credit and business credit accounts. With all this information, one will be able to understand what the card has to offer and what is expected of him/her.