Kohl’s Credit Card

Posted on by April 20, 2017

Kohl’s credit card can be used in the Kohl’s stores. This credit card entitled the cardholders to special discounts at the store. The discounts are being used as means of attraction in order to retain and get as many customers as possible. The card also offers the customers with credit, but in order to get it, one has to submit an application. It is not automatic that the card application will be approved, but if it happens that it is approved, one will receive a credit limit. The credit limit depends on the credit score of the applicant.
This artcle will highlight the steps that are to followed when one wants to apply for the Kohl’s credit card.

Applying for the Kohl’s credit card

One can only apply for this credit card if prompted by the clerk at the store. This is because the clerk is informed that the customer is eligible for the discount. Discounts can only be received if the card application has been approved. The response that one gets after submitting the application is very fast and the same applies to the online application. If the application is being done online, one has to enter the contact information together with the social security number. It is advisable for one to go through the terms and conditions that have been established by the Kohl’s stores in order to be well informed of what ought to be done and the fees charged.
The application can also be done over the phone provided that one calls 800-564-5740. There is more that is demanded when one applies online in that one will be forced to print out the application from the website and have it submitted at the Kohl’s store. The application form has to be submitted at the store in order the credit decision to be made.

Benefits that come along with the credit card

There are benefits that come along with this credit card and they include the special discounts that amounts to about 15 to 30%. These discounts come at least 12 times in a year. The moment one becomes a cardholder, he/she is enrolled in the Kohl’s credit card rewards program. The rewards program is based on the fact that the members will earn cash. For the first time users, they are entitled to 15% off the first purchase. Later on, for every $50 that one spends on the purchases, one earns $10 Kohl’s cash.

Review on how to make payment to the card

One has to visit Kohl’s official website and this should be followed by clicking “My Kohl’s Charge” in order to register the charge card online. One should then be prompted to enter his/her username and password. This will enable one to log in to his/her account in order to make the payment. This will demand the bank account information to be entered in order to facilitate the payment to the Kohl’s credit card.


Kmart Credit Card

Posted on by April 20, 2017

The Kmart credit card is being offered at the Kmart and this card is there suitable for those people that are fond of shopping at this retail shop. The good thing with this credit card is that it has been developed to meet two types of credit history and in order to do this, Kmart has established two credit cards for those people that have the excellent and fair credit history. The Kmart credit card is no longer being offered, but when it was in the market, it was popular and many people had them.
This credit card had many points in place and this depended upon the amount that one spent on the purchases. The points used to be earned only if the Kmart credit card was used in making payments for the purchases both done online or at the Kmart stores.

Steps on how to apply for the Kmart credit card

The first step that one has to undertake involves making a decision on whether the card is suitable for himself/herself. This demands that one has to have the information on what the card has to offer, the charges that one has to put up with and the features. One important factor that one has to bear in mind is that the credit score should be used in deciding if a particular credit card is suitable or not. Kmart credit card is not suitable for those people that have a bad or low credit score. One has to come up with an informed decision before going ahead to apply for this credit card.
This should then be followed with making a visit to the Kmart store and have the application procedure undertaken. The application procedure is simple and fast and it can be done online as well. The approval is given instantly.

More on what ought to be done

When one is handed over the application form, one has to be honest and enter the information as required. The form has to be filled with the personal information as well as the social security number. Once one receives the approval, the Kmart credit card will be availed after a period of 6 to 8 weeks. It is clear that at the moment, no application is being approved because the card is no longer being offered. This does not mean that a cardholder can no longer earn the points. The cardholder is entitled to special discounts and promotions.

Caution to be exercised

The good thing with the Kmart credit card is that it can be used in the Sears. When applying online or signing into the credit card account, one has to cautious in the sense that the website should be secured to avoid the information landing in the wrong hands. It is advisable for one to ensure that he/she pays the monthly payments in order to continue enjoying the offers and promotions that are in place. With all this information, one will be able to decide on whether to apply for the Kmart credit card or not.


JCPenney Credit Card

Posted on by April 20, 2017

Synchrony Bank is known to offer the JCPenney credit card. This is a credit card that is suitable for those people that are fond of shopping at the stores. The reason behind the invention of this card is that it is used to reward the customers who have pledged their loyalty in frequently shopping at the store. JCPenney credit card comes with the rewards program in order to encourage the customers to frequently use their cards in making purchases.
Before one can apply for this card, one is advised to go through the terms and conditions that have been put in place in order to be familiarized with the features and fees of the card.

Basic information on the JCPenney credit card

The credit card has the rewards together with the savings that come with the frequent use of the card to make purchases. JCP has also come up with the rewards credit card that can be used in order to earn the points. It is stated that for every dollar that one spends on the card, one is entitled to 1 point. These points are earned the moment the card is used in the qualifying JCPenney products. In addition, one is entitled to 25% extra bonus points if the rewards credit card is used. More has been put in place in order to encourage the customers to use their cards; in a month, if one gets 250 points, then he/she is entitled to a $10 JCP reward certificate.
Even if one gets the 250 points in more than a month, then he/she is not eligible for the rewards certificate. The application process for this credit card is very simple provided that all that is required is met. The application can be done online or in-store.

Applying for the credit card

If one decides to visit the store, then he/she will be handed with the application form that needs to e filled in. One has to fill in the information as required and this includes the personal information, social security number and much more. There is a section where the applicant needs to sign before submitting the application form. On the other hand, if the application is to be done online, one has to visit the JCP website. This should be followed with clicking “Apply Now” and the application form will show up. It has to be filled with the correct information and as demanded before submitting it.

Using the credit card in making payments

If the payment is to be done in-store, one needs to submit the JCPenney credit card together with his/her valid photo ID to the cashier in order to make the payment. Online payment is easy and the first thing is to open the JCP official website. This should be followed with selecting the department from which one wants to shop.
All the instructions are to be followed as they appear on the screen. The last step needs selecting “JCPenney” in order to facilitate the payment. One has to enter the card name as it appears on the card and the 3-digit verification number at the back of the card.


Horizon Credit Card

Posted on by April 20, 2017

The Horizon credit card is being offered by the Horizon online store. This credit card has been introduced into the market in order to enable the members to buy merchandise back at the Horizon online stores. In most cases, this credit card is meant to help the customers buy the merchandise that they would otherwise not be able to. This card has been found to be valuable to many people because the fees that are charged on it are not as high as the other credit cards.
This article will highlight the fundamental facts on the Horizon credit card and outline why the card has been embraced by many people over the years.

Basic information on the Horizon credit card

The most attractive thing with this credit card is that the cardholder does not need to pay the annual percentage rates (APR). In addition, there are no annual fees attached to the card and this is why the card is able to meet the needs of the customers that are not able to buy the merchandise. This is because they do not have to put up with the additional fees. In order to maintain the credit card, the Horizon has imposed a monthly fee that is low as well as a one-time account setup fee.
The one-time account setup fee is debited from the credit card instead of the account balance. The additional fees that have been imposed on the Horizon credit card only come in when the purchases are made together with shipping. In order to be well informed of the charges and fees imposed by the card issuer, it is best for one to go through the terms and fees highlighted by the issuer before going ahead to apply for the credit card.

More details on the credit card

Fraud has been reported frequently on the Horizon credit card and this is why it is best to always ensure that the credit card is well protected. The card should only be used by the card member and this can be used as a way of protection. Once the company realizes that there is a fraudulent activity being done with the card, the company will prosecute in order to have the damages recovered.
In order for one to qualify for the Horizon credit card, one has to have an active credit card. The credit limit that comes with this credit card amounts to $500.

Conclusion on the benefits

There are benefits that are attached to the Horizon credit card. First, the cardholders are entitled to unlimited access to the credit report. The card account can be accessed online and this has made the transactions fast and convenient. There is a penalty imposed on the late payment that amounts to $20.
For this credit card, the applicant has to part with the application fees that amount to $29.95 and this is very disadvantageous in case the application is not approved. The Horizon also has the customer service sector that looks into the issues raised by the customers.


Home Depot Credit Card

Posted on by April 20, 2017

The Home Depot credit card is being offered by the Home Depot. This card has been introduced into the financial market in order to meet the needs of the customers when it comes to financing the projects that they have in place. Home Depot offers two types of cards that include the Home Depot credit card and Home Depot commercial revolving charge card. This has been found to be the most secure way when it comes to financing the projects. The two cards have been developed to meet various needs of the customers.
The Home Depot credit card has become famous because it helps the people that have smaller projects or working in their homes to finance the whole projects. One basic thing with this credit card is that it does not have the rewards program alongside it.

Basic information on the Home Depot credit card

As stated earlier, the Home Depot credit card does not have the rewards for its customers. In order to make up for this, the company has established a few perks that are meant to encourage the cardholders to constantly use their credit cards. A good example of the perks includes not paying interest for a period of 6 to 12 months, but this will depend on the amount of the purchases. This credit card is mainly offered to those clients that have either good or an excellent credit score. This does not mean that that the people or businesses with a bad credit score are locked out from this credit card. In order to acquire one, one has to give a personal guarantee in exchange of the Home Depot credit card.
This credit card is being financed through Citibank and this is why it is their responsibility to decide on whether the client’s credit line can be increased or not.

Additional information on Home Depot

There is a penalty charged in case of a late payment or if the purchase balance is not cleared within a period of six months. One will be forced to pay interest that will be charged to one’s account. There are many cases that have been reported concerning the breach that comes along with the Home Depot credit card. This happens in the sense that the hackers are getting access to the customers’ data and this results into the credit card numbers being stolen.

How to protect the credit card from fraud

In order to ensure that the credit card information is not hacked, the cardholders are advised to constantly check their account statements instead of waiting for the monthly statements. There are high chances that an unauthorized personnel may use the cards to make the online payment, thus it is best to keep note of the payments that look suspicious at least once a week.
Another way of dealing with the situation is to upgrade the card, but this will depend on the locations that the card will be used since not all of them accept the new cards. In conclusion, the cardholder is not held liable in case of the fraudulent activities that are undertaken using the Home Depot credit card.


Review on Goodyear Credit Card

Posted on by April 20, 2017

The Goodyear credit card is being offered to the consumers of the car tires and this has been a way of ensuring that the clients get the best services. This credit card is almost similar to the other credit cards when it comes to making payments. Goodyear Company has also worked in partnership with the other companies in order to offer this credit card. In order to be eligible for the application of the credit card, there are certain conditions that have to be fulfilled.
First, the applicant has to be 18 years and above and he/she has to have the social security number in order to proceed with the application.

Steps on how to apply for the Goodyear credit card

When it comes to applying for the Goodyear credit card, there are certain details that the applicant is required to fill in. First, one has to enter the email that will be used in contacting the applicant about the account that he/she had already opened. The application form has to be filled with all the demanded details in order to have the full details of the client. One has to fill in both the first and the last names together with the physical address. The phone number will also be filled as required. The financial information has to be taken into consideration and this is why the applicant is expected to state his/her annual salary and wages.
As stated earlier, one has to be in possession of the social security number. Once the application is approved, there are certain briefings that one will be informed on via the email that one submitted when applying for the credit card. In addition, there are online services that are being offered by the Goodyear. This is to make the transactions faster and convenient.

Benefits that come along with the credit card

Goodyear credit card has various benefits that come along with it, but this greatly depends on the company or bank that one has decided to work with. This credit card is accepted nationwide, thus can be used to make the payments either online or in person. There are payments that have to be done on a monthly basis, but they are low, hence able to attract many customers to try out the product. The cardholders have more to enjoy when it comes to the promotional offers and discounts. This credit card has transformed the financing of the tires very easy and comfortable for many cardholders. In place, there are the money-saving offers.

Conclusion on the credit card

As opposed to many credit cards, Goodyear credit card does not demand a lot from the cardholders when it comes to the annual fees that have to be paid in order to continue enjoying the services. There is no annual fee attached to this credit card. At the designated stores, the cardholder is entitled to the free tire rotation. In case, the card is used by unauthorized personnel to make the fraudulent purchases, the cardholder is not liable for this action.


Facts on Gap Credit Card

Posted on by April 20, 2017

The Gap credit card has become popular among many people and this can be as a result of the benefits that come along with it. This credit card is being provided by the GE Money Bank, but it also has some disadvantages because the card cannot be used worldwide. The card can only be used in the Gap and affiliate stores. The moment the cardholder uses the Gap credit card in making payments, he/she is entitled to discounts that have been put in place. This card also has the rewards program alongside it and this has been used over the years as a way of encouraging the clients to constantly make use of their cards in order to benefit from the rewards.

Review on the Gap credit card

As stated earlier, the card has the rewards program in place and there are many ways in which the cardholder can get the rewards. First, upon approval, one is entitled to the 15% off. The reward comes in the moment one has been approved to become a cardholder of the Gap credit card once the application has been submitted. In order to facilitate the daily use of the card, there are points that are earned if the card is used at the Gap stores. At the Gap stores, for every dollar that one spends on the card, one will receive 5 points. If the card is used elsewhere, one gets 1 point for every dollar that is spent using the card.
These reward points can be redeemed and for this case, one can redeem 1,000 points for $10. Gap credit card can be used to make the online payment, but this can only be enhanced through visiting the official website of Gap.

Steps on how to make online payment using the card

The cardholders do not find it difficult to use their cards in making the online payment. The following steps are to be followed when it comes to making the online payment and the task is as simple as possible. First, one has to visit the Gap official website (www.gap.com) in order to continue with the procedure. One has to locate the login options once the site has been opened, but under this circumstance, one has to click on the option to sign in.
Signing in has to be done through entering the password and the user ID. On the dashboard, there are many options that will be spotted. One has to find the card payment option in order to make the online payment.

More benefits that come along with the card

Gap credit card has saved many people when it comes to carrying large sums of money. This has eventually reduced the cases of theft and this has transformed shopping to being convenient. In addition, the cardholders are entitled to the reward points that can be redeemed for special benefits. The banks that offer this type of credit card have ensured that the customers are well-informed on the sales, offers and much more.


Dillard’s Credit Card

Posted on by April 20, 2017

Dillard’s credit card is being offered by the Dillard’s Store. This card can be used by their categories of financial status and this will depend on the credit score of the cardholder. The card demands that one has to either meet an excellent, good or fair credit score. The card also has the rewards program attached to it and they have been categorized in order to ensure that the customers get the best out of the Dillard’s credit card. Dillard’s Stores mainly focus on the fashion and this is why they are out to reach as many people as possible in order to inform them of the trending designs on dresses and shoes.

Rewards program on the Dillard’s credit card

Dillard’s credit card has many rewards attached to it. In order to enjoy the benefits, the cardholder has to use the credit card at either the Dillard’s Stores or any location that allows the use of the credit card. If the card is used at the Dillard’s Store, the customer is entitled to 2 reward points for every dollar spent on the card. For the clients that use their card for the first time, they are entitled to a bonus of 10% provided that one spends $100. The credit card also facilitates the online payment. In order to undertake the online shopping, one has to visit the official website of the Dillard’s in order to pay online for the transactions carried out. If the payment is made through the use of Dillards.com, the cardholder also gets 2 reward points for every dollar spent.
If the card is used elsewhere, the member only gets 1 reward point for every dollar spent using the card. There are saving options available to the cardholders and the good thing with this credit card is that, there is no limit on the amount that one has to save.

More details on the Dillard’s

Dillard’s credit card does not charge an annual fee. There are disadvantages that come in as well with the credit card. Under this circumstance, balance transfers are not being allowed. First, in order for the applicant to qualify for the Dillard’s credit card, he/she has to open an account that can be of two types. The account can either be the Dillard’s credit card or Dillard’s America Express card account. The reward points can be redeemed into rewards or offers that have been put in place.

Final details on the credit card

Dillard’s has gone to the extent of offering its customers with the gift cards. In addition, they also offer free gift wrapping at their stores. In order to enjoy the benefits that come along with the Dillard’s credit card, one has to make a choice on which company or bank to apply for the credit card. The benefits are not common for all companies, thus one is advised to have the details of the particular credit card before going ahead to apply for the card. With all this information, one will find it easy to decide whether to try the product or not.


Review on Credit One Bank

Posted on by April 20, 2017

Credit one bank is a bank that is based in the United States and are specialized in provision of credit cards. With their offices located in Las Vegas, Nevada, Credit one bank is held by a financial institution known as Credit One Financial. This is company categories to hold the bank and is registered in the state of Nevada. The company is owned by a group known as the Sherman Financial Group, LLC. Credit one bank has enjoyed much of its success, such that it is estimated that over 2 million of people in the United States are Credit one bank card holders.

Regulations governing Credit One Bank

Credit one bank was founded in the year 1984 in California in a place known as San Rafael. It operates under the charter CEBA national bank charter. This charter is responsible in controlling how banks undertake their functions in lending and depositing. Requirements that guide this particular functions are set forth in the Bank Holding Company Act which is an amendment set forth in the year 1987.For Credit one bank to meet these particular requirements it was a necessity for it to focus on activities related to credit cards. This is because Credit one bank is categorized to be a CEBA bank and according to law put in place; such institutions cannot participate in activities such as demand deposits or any transaction that one may withdraw by check. Payments made to third parties are also not encouraged because of the act.

History Of Credit One Bank

Also under the act, this type of banks is discouraged from taking savings or any form of time deposits that their total amount is less than $100 million. An amount less than the stipulated can only be accepted only if they are used as a form of collateral for credit card loans. Also, according to the charter, Credit one bank is deterred from undertaking business in form of commercial loans.
As said earlier; history of Credit one bank dates back to the year 1984 where it began operations where at that time it was known as First National Bank of Marin. At that particular time it was a full-service bank in the state of California. Wide range of products and services were in provision at that particular time till the year 1995 after which they decided to focus on two things. The products that they decided to focus on includes fully and partially secured credit cards. It is from this time that Credit one bank started its line of business and it acquired the new name in the year 2006.

Summary on Credit One Bank

The CEBA status was acquired by the financial institution in the year 2005 hence under the charter it followed the guidelines when it comes to serving its clients. Credit one bank as a name was registered as a trademark in the year 2002 hence its name cannot be used in any form of institution. Any client can go ahead and apply for credit card services that is offered by the bank and enjoy various forms of benefits that are accrued when one uses them.