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The New Disney Credit Card

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Rewards Cards:  What if you could turn your daily purchases into some hands-on Disney magic? Well now you can! Bank One is now offering a new Visa Disney credit card that provides you and your family with Disney rewards each time you use the card. You could turn your credit card debt into a fun-filled vacation for you and your family. The credit card company, Bank One, has partnered with the Walt Disney Company to offer this family-fun card to everyone who qualifies. You will be asked to pass a standard credit check with a major credit bureau before qualifying for the Disney Visa card. How does it ...

Card Expert on July 19, 2010 1

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Balance Transfer Credit Cards

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Balance Transfer:  Balance Transfer Credit Cards or Transfer Credit Cards offer to the cardholder the facility of balance transfer. By this facility,an outstanding debt balance on your one credit card can be transferred to another that is newer or less used. But the credit limit of the latter will have a reduction to the extent of the transferred sum. For instance,suppose you transfer your outstanding debt of Rs. 20,000 on your card A to card B which has a credit limit of Rs. 50,000. By this, the credit limit of card B is reduced to Rs. 30,000. Again, the balance transfer amount should not exceed 80% of the cred...

Card Expert on July 19, 2010 0

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Bend it like plastic

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Money Saver:  Soccer fans around the world are avidly watching the FIFA 2010 World Cup, which kicked off June 11 in South Africa. To commemorate the event, Visa launched an online financial soccer game in Canada as part of a worldwide effort to improve financial literacy among 20 million consumers in the next three years. Visa developed the game with football's international federation, FIFA, and plans to roll out the game in 10 languages across 30 countries. Of course, some might wonder what kicking a black and white ball around a field has to do with money management. Financial Soccer is a free online ...

Card Expert on June 28, 2010 0

rates

Credit Card Delinquency Rates Continue to Fall

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Card Insider:  Credit card delinquency and default rates continued their general decline in May, cheering investors and signaling overall economic improvement. Despite banking industry concerns about a new wave of government regulations that could limit profits, easing of 30-day late accounts and charge-offs helped credit credit card issuers retain more revenue compared to the previous month. Capital One reported that only 4.8% of its cardholders fell more than 30 days behind on minimum payments during May. Chase reported a similar delinquency rate of 4.22%, and Discover's 30-day-late percentage fell belo...

Card Expert on June 28, 2010 0

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Prepaid Debit Card

Government Benefits to Require Prepaid Debit Card or Direct Deposit by 2013

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Card Insider:  Millions of Americans will join the ranks of prepaid debit card users over the next few years, as government officials announced plans to eliminate most Treasury check payments by 2013. According to the Office of Management and Budget, current recipients of government benefit checks will have eighteen months to prepare for the switch. After March 1, 2011, Americans who apply for new assistance programs, including unemployment and disaster relief disbursements, will no longer have the option to receive paper checks. The change comes at a critical time for a financial industry that has forced...

Card Expert on June 28, 2010 0

debit

Debit Card Issuers Report Continued Consumer Acceptance

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Card Insider:  Merchant debit card acceptance has driven consumers' use of the cards to all time highs, according to debit processing network PULSE. For the 2010 Debit Issuer Study, PULSE commissioned global consulting firm Oliver Wyman to survey sixty-four leading financial institutions about their customers' use of debit cards. According to study respondents, roughly two out of three American consumers with access to debit cards use them on a regular basis. Although market penetration remains relatively stable, more cardholders have discovered more ways to use their cards. New merchant point-of-sale ter...

Card Expert on June 28, 2010 0

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Chicago Transit Prepares to Accept Credit Cards on City Buses

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Card Insider:  Chicago transit officials joined their peers from New York in a quest to replace coins with credit cards on city-operated trains and buses. The Chicago Tribune reported the Chicago Transit Authority's decision to pilot multiple credit card acceptance technologies after studying potential cost savings and ridership improvements from the move. According to the CTA's research, a cash transaction on a typical bus route requires 25 seconds. Those seconds can turn into minutes if even a handful of riders at a busy stop decide to pay with paper money. Alternatively, a credit card swipe transaction...

Card Expert on June 28, 2010 0

smart

Are You Debit Smart?

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Best Cards:  DebitFacts.org, the only online educational resource focused exclusively on debit, kicks off the "Are You Debit Smart?" video contest, inviting consumers across the U.S. to share success stories related to using a debit card as their preferred form of payment. By simply submitting a short video, consumers could win up to $5,000 on a prepaid Discover Card, as well as a money-management session with a financial counselor. Beginning today and continuing through July 4, 2010, DebitFacts.org will accept video submissions. Entries will be judged by a panel of experts from the financial and creative ...

Card Expert on June 28, 2010 0

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The Credit Card Battle

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Card Insider:  If you are one of the millions of Americans who have been fighting the credit card battle and looking for an easy resolve to your debt problems, it may take some time to accomplish. Although it won't be easy, you can find relief if you remain committed to the mission. Most importantly, if you don't take action to reduce credit card debt now, you will never find relief. Despite the difficulty, some experts have a few suggestions on what cardholders can do to help reduce debt. The process begins by sitting down and making a thorough list of all personal expenses and monthly financial commitments...

Card Expert on June 28, 2010 1

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Credit Card Fraud

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Card Insider:  In Wilmington, NC a resident discovered for the second time that she had become the victim of debit and credit card fraud. The victim, who wishes to remain anonymous, said the thief was able to access her debit card information without having the card in their hands. The victim doesn't know how the thief got a hold of her debit card information, but does know there are dozens of other debit and credit card theft victims in the Cape Fear area. The victim's bank is BB&T; however, both Wachovia and Sun Trust have reported dozens of debit and credit card thefts in the area. The victim learned ...

Card Expert on June 28, 2010 0

moody

Moody Reports The Worst Is Over

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Card Insider:  According to the most recent release from Moody's Investors Service, the worst is over for credit card companies and cardholders. The current trend shows that card losses continue to decline. Being labeled a trend is important because the data must be rising or falling greater than the typical average over a specified period of time. In the case of card delinquencies and defaults most experts would require three months. Moody's Credit Card Index indicates that 10.71 percent of securitized credit card loans were written off as uncollectable in May. Securitized loans are those accounts with cred...

Card Expert on June 28, 2010 0

debit card

Debit card growth fueled by small ticket transactions

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Card Insider:  The days of weekly ATM withdrawals may be coming to a close as consumers turn to their debit cards to pay for both big and small everyday expenses. During the heavy hit to the economy over the past two years, American consumers have turned to debit cards over other forms of payment at an increasing rate, according to the 2010 Debit Issuer Study funded by ATM/debit network PULSE. The growth rate from 2008 to 2009 was largely fueled by small-ticket transactions. "The results of this year's Debit Issuer Study highlight the increasingly important role debit is playing in helping consumers ma...

Card Expert on June 28, 2010 0

rewards

Credit Card Rewards Programmes

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Rewards Cards:  Credit card rewards programmes are a viable method of earning free or discounted items and services through spending money on a credit card. Rewards are issued as an incentive for card use. If you know how to manage your credit card properly, you will be able to reap large benefits from your rewards programme. Business and personal credit cards offer rewards programmes. Each credit card will award different rewards according to the use of the card. These benefits are generally related to the services which the credit card issuer offers. For example, an airline may offer a credit card which of...

Card Expert on June 11, 2010 0

credit card

Credit Card Protection Plan

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Secured Cards:  Many banks offer optional credit card insurance, also known as credit card protection plans or balance protection plans. These plans offer debt protection in the event of the cardholder being unable to settle the outstanding balance. This may be as a result of death, disability or critical illness, or retrenchment. Credit card protection plans are affordable and simple to secure, and as a credit card holder, it’s worth exploring this type of insurance to determine whether it’s worth having. Learn more about balance protection plans below, or, if you’re not yet a cardholder, explore...

Card Expert on June 11, 2010 0

Good deals on credit cards

Getting a Good Deal on Your Credit Card

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Card Insider:  Credit cards are like power tools –- they help keep your financial house in order, but if you’re careless, they can do a lot of damage. First, the benefits of a credit card: • Credit cards let you use the card company’s money for free. As long you pay your bill in full each time it’s due, you don’t have to make interest payments on things you buy for anywhere from 15 to as many as 50 days after you buy them. • Credit cards make budgeting brainless. If you put everything on them, you have a record of your spending, which can help you make and trim your person...

CreditCardsGuru on June 10, 2010 0

free credit report

Finally! Free credit scores on horizon

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Card Insider:  One financial reform passed by the Senate would allow you to see your credit scores -- not just your reports -- if they were used against you. Free access to your credit scores may be just around the corner. The financial-reform bill that the Senate passed last week includes an amendment that would give individuals the right to see their scores if those numbers were used against them in a financial transaction. In other words, if you were denied a mortgage or insurance, or had to pay more for either one because of your credit, you'd get to see the score that was used to make the decis...

CreditCardsGuru on June 7, 2010 1

visa and master card

Compare Credit Cards

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Best Cards:  Before you get down to the details of choosing a credit card, you need to decide how you will use it. Will you pay it off every month faithfully? Will you usually carry a balance? How you use it will determine how to rate credit cards. We'll look at them separately. If you plan to carry a balance... Probably the biggest issue here is interest rate. Interest rates on credit cards can run hundreds, even thousands of dollars a year. So the lower the interest rate, the less you'll have to pay. Interest paid on credit cards is essentially wasted money. Look for...

Card Expert on May 31, 2010 1

lots of credit cards

Share a Credit Card

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Card Insider:  As a way of tempting you to spend more money, credit companies offer you the option of having several cards under one account. And though it may be convenient for your spouse, your teenager and yourself to all share one credit card, make sure you lay out some ground rules. Here are a few suggestions to help you share a credit card. Step 1: Discuss how payments will be made. Sharing a credit card with someone else does not mean that you should be responsible for making all of the payments on it. Paying off a credit card should be the responsibility of everyone who uses it...

Card Expert on May 31, 2010 0

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How To Make Money Using Your Credit Card Offers

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Rewards Cards:  If you have good credit standing and always pay your bills on time, you will receive a number of credit card offers. Banks will give you great offers because they are confident you will not default on the loans or extended credit given to you. Here are some ways you can use credit card offers to make money: 1. Apply for a credit card that offers 0% APR for a year, upon signing up. If you have a balance on another credit card, transferring your balance to a new card that offers 0% APR can significantly reduce the interest you are paying for. Or, you can get a loan with no in...

Card Expert on May 31, 2010 0

businessmen

How To Get a Business Credit Card

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Business Cards:  The first and most obvious thing is to have a business. Second, if you are trying to get a business credit card so that you can charge it up, then claim bankruptcy on the business and get out of paying the debt, it most likely won't work. Credit card companies will usually pull your personal credit reports before giving a business card to a business with no credit history. You will most likely be personally liable for any expenditure you make. However, if you are a legitimate business and would like to have the ease and convenience of making your day to day purchases by credit card, th...

Card Expert on May 31, 2010 0

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