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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...

on June 11, 2010 0

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Beware of Scams

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Secured Cards:  People with shaky credit can fall prey to shady credit card deals. Some are downright dishonest, some are offering credit cards that really don't stand up when you put a spotlight on them. And if you do sign up, be sure the company offering the deal is the right one (i.e., do they come directly from the card issuer?). If not, contact the card company to be sure the cards are authorized. "Debt suspension" offers How it works: Banks can offer it without having to use insurance companies. It is commonly offered as an extra with your card, and is generally sol...

on February 2, 2010 0

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Prepaid Credit Cards

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Secured Cards:  Prepaid credit cards are useful for people whose applications for regular credit cards were unsuccessful. The reason for such a rejection is invariably a bad credit rating. Not owning a credit card is a major drawback when it comes to making reservations for hotels, motels, car rentals and airline flights. One also needs a credit card to place orders online, or telephonically. With a prepaid credit card, one can still make all these transactions – but there are limitations. One opens a prepaid credit card account by depositing money into its account in the same way that one would make a d...

on December 14, 2009 0

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