CREDIT CARD FAQS

Do you have a million questions jumbled up in your mind regarding credit cards and the credit card application process? Don't worry, you are not alone! Our site has been designed to be simple to use and navigate in order to eliminate any potential hassles and frustrations surrounding the credit card application process. Our experts have already taken it upon themselves to thoroughly analyze and evaluate all of the popular credit card available on the market today and have laid them out in an easy-to-understand format, touting the best features of each.
October 12, 2021
Valero has a tiered rebates system. You earn 4¢ per gallon on every gallon purchased when you purchase at least 50 gallons per billing cycle or earn 8¢ per gallon on every gallon purchased when you purchase at least 75 gallons per billing cycle (up to a maximum of 110 gallons). Gas rebates will automatically appear on your monthly billing statement. For more traditional and easy to understand reward options, see general rewards credit cards and especially cash back cards.
May 06, 2021
A Group One Freedom Card is not strictly speaking a credit card. It is a shopping card that you can use exclusively at the Horizon Outlet (thehorizonoutlet.com). The Horizon Outlet is an online store that offers a range of merchandise: men's, women's and children's apparel; home goods; entertainment and electronics; and financial services. You should apply for a card if you are sure that you will buy at this online store often.
December 19, 2020
When you first face credit card issues, some phenomena can come as a bit of a shock. For example, balance transfers may seem unintelligible, but in fact they are quite easy to understand. You have a balance on card A and then you transfer it onto card B. Cards for balance transfers usually have low intro rate offers on balance transfers, so for the first time you may have even a 0% APR offer. That will allow you to pay off some or all of your balance with little interest and save quite a lot.
October 06, 2021
With so many credit card issuers, there is quite a lot of competition between credit card companies to get customers, especially those with decent and good credit ratings. Millions of new credit card accounts are approved by all the credit companies every year. However, deciding upon the best credit cards could be quite confusing for the customers, which is why they should look for certain features which are common to the best credit cards.
November 03, 2017
To choose the best business credit card you should think about your goals - what do you want to get from your credit card? There are plenty of options you may choose from. Business credit cards may help you earn rewards - cash back or travel rewards, may give you high credit limit and allows to save money with 0% APR. If you, for example, are a frequent traveler, consider airline co-branded business credit cards with additional benefits like priority boarding or free checked bag. Don't forget to take into account your credit score when choosing a small business credit card.
November 13, 2020
It is hard to say which one of the credit bureaus is used most by the banks and credit card issuers to view credit scores. Every bank has its own preferences and one bank may pull different reports in different states. Some banks pull credit reports from all credit bureaus.
June 29, 2021

Make sure you do not carry too much balance. It is recommended to use only up to 30% of your available credit. If you can pay off the card balance in full each month, do it. The less you owe, the better. If you have other credit accounts, make sure they are in good standing as well and you pay them accordingly. Keeping only one credit account in good standing won’t help your credit score. Note that there are other things that may lower your credit score: newly opened or closed credit accounts, bankruptcy, charge offs, loan default, late and missed payments, maxed out accounts, unpaid bills, or too many credit card applications at a time.

October 07, 2021
If you have an excellent credit there are a lot of credit cards that will bring you more benefits than JCPenney rewards credit card. If you want to save on shopping with a credit card at your favorite stores, you may choose a regular credit card with cash back rewards.
June 09, 2021

There is no universal credit card offer that is definitely the best one for someone with fair credit. The thing is we all have different financial situations and credit histories even though they are all tagged as “fair credit”. Moreover, your needs and the way you manage your credit cards also determine which credit card is good for you. For example, if you need a credit card to improve your credit and you tend to overspend, we would not recommend you a credit card with rewards but a card without an annual fee and without rewards instead.

August 12, 2018
JetPrivilege credit card is available in India only. There is no credit card offered in the U.S. If you need a credit card to use for Jet flights, consider applying for a general travel rewards credit card. Many of such cards do not have an annual fee or the fee is waived for the first year. All in all, travel rewards cards come with sign-up bonuses and with a rewards program. They allow earning miles or points on travel and everyday purchases. Moreover, if you do not fly often, you can still easily earn miles for a reward airline ticket by simply shopping at your favorite places.
August 12, 2020
As of today we offer instant decision credit cards aimed at bad credit. But you can browse through the credit cards targeting good to excellent credit and choose a card you like best. It can take up to 30 days to process your card application. If you are approved for the card of your choice, it will arrive in the mail in 7 to 10 business days.
August 15, 2021
With an excellent credit score the process of choosing a card is fast and easy, everything is available to you. The best option for you is to pick a 0% intro APR card. These cards allow you to pay for dental works over time, during a period of up to 21 months. Check out our pick of the best low intro rate credit cards and choose the one that suits you most.
February 02, 2018
Today, there are a number of different credit card options for you to pick out from. However, you need to know about all your options and factor in different attributes before you can decide about which particular option you would want to opt for. Remember that when it comes to credit cards, it is important to look at the different options that you do have so that you can keep a track of your finances. An option that many people seem to be going in for these days is that of the Mastercard credit cards.
February 11, 2021
You can choose one of the credit cards for limited credit to make your credit profile better. Or you can consider secured credit card. Some card offers have no annual fee and pretty nice rewards programs. Thus, you may save more money than spent on the security deposit.
October 01, 2019

If you need to get cash, we wouldn’t recommend you consider credit cards, since they charge additional fees for cash advance. You’d better pay attention to personal loans. They generally offer lower interest rates than credit card's APRs.

March 25, 2021
A prepaid card is a payment card that you load with money before you can use it for purchases. Prepaid cards may look like credit cards, as they may have numbers, your name and Visa or MasterCard logo. But prepaid cards are different - you are not borrowing money, you are spending money you loaded onto the card in advance. Prepaid cards give you the convenience of electronic payments.
February 12, 2021
A secured card may be a great option though for getting a credit card and rebuilding your credit as secured cards are usually reported to the credit bureaus – Experian, TransUnion or Equifax. The credit limit on a secured credit card is established by the security deposit an applicant pays. Your initial deposit is usually refundable, and there are secured cards with fair fee schedules and good customer service. It means that secured credit cards work like unsecured credit cards: a cardholder will receive statements every month and will be required to make card payments monthly.
May 08, 2021
If you're getting your first-ever credit card, you'll want to look for a card that's designed for folks with limited credit, or no credit. It can take a little while to build a credit rating, but the good news is that it isn't hard to do. Getting a credit card is the first step. If you can find one that also earns rewards, even better. And don't worry – there are plenty of such cards out there. Look for a card with "student rewards" in the name.
July 15, 2021
What is the best credit card for you depends on your travel habits and needs. You should consider several things before you apply for a travel credit card. Firstly, if you often fly with one airline, airline co-branded credit card may be a good choice. On the one hand, this type of cards often comes with travel benefits like lounge access, free checked bag and more. On the other, airline cards often have limited redemption options - you may redeem earned miles on this airline and its partners (if it has any).
November 04, 2020
Travel protection features of Visa credit cards vary, depending on the card type you choose. All Visa credit cards offer standard benefits and security features like Travel and Emergency Assistance Services where you can receive help in finding a referral for medical, legal, and transportation assistance. This service is accessible for Visa cardholders from anywhere in the world at no additional cost.

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