These benefits are very popular these days. These types of cards appeal to credit card users that enjoy getting something back when they purchase things. Unlike reward cards, credit cards with cash back offer more flexibility. If you've decided credit cards with cash back options are for you than it's time to do the research and find which one is best for you.
Choosing Credit Cards With Cash Back Options
The first thing to consider is whether or not the credit cards with cash back that you are looking at charge an annual fee. Most good cash back credit cards offer a 0% interest fee, at least initially so there is no reason why you should sign up to pay unnecessary interest fees.
Also, look for cards that offer a higher number of points for each purchase you make. Evaluate the point systems each credit card offers it's cardholders. A credit card that pays 1% cash back on all purchases but has no annual rebate limit may work better for you than cards that pay a higher percentage cash back but limit your total annual rebate.
You should also look for credit cards with cash back that offer other types of rewards such as gift certificates, or maybe gift cards. Some credit cards with cash back give cardholders gift certificates that can be used at select merchants and yield up to double the cash back. Look for the card that gives you the most "bank for your buck."
Finding the credit cards with cash back that are right for you before you apply is key. Each application for a credit card means your credit history gets looked at and too many inquires can lower your credit score.
Online credit card application websites are a great option when looking for credit cards with cash back options because they allow you to compare cards online without spending a dime or accessing your credit history.
This article has been provided by Creditor Link. Creditor Link offers Refreshingly Honest Credit Card Advice to our readers. We also offer a simple search utility that allows you to easily find the credit cards with cash back that you are looking for.
Article Source: http://EzineArticles.com/?expert=Steve_Shell
Monday, November 17, 2008
Wednesday, November 5, 2008
Learning About Cash Back Credit Cards: Good or Bad Idea?
Getting a credit card that offers cash back always sounds like a good idea. What could be better than getting cash back on all the purchases that you make with your credit card? It sounds too good to be true, doesn’t it?
Well, there are cards that give you free cash, but it is usually only around 1% cash back. However, free money is free money, right? Well, sometimes.
If you like to buy a lot of things in one month, this kind of credit card probably sounds great to you. However, you need to keep in mind that they are not going to give you cash back on every purchase that you make. Even if they claim to give you cash back on every purchase, they will only give you up to a certain amount per transaction. The company also has a strict limit on the amount that they will give back to their customers. If you read the little, bitty print on the form that you signed, you will see a paragraph with their limits in the terms and agreements.
This is another way to try to draw in new customers for these companies. It is a good credit card to have and sounds great in theory, but they will have to check your credit rating before they will give you their card.
Research different credit card companies to see what they are offering. You may be surprised to find a cash back credit card that offers you just what you need and want with a high cash back percentage, few limits on the amount they will give you back, and instant cash deposits when you make each purchase with their card.
Although these credit cards seem like a great thing to have, some companies will need your credit rating to be great too. However, there are credit card companies that offer these cards to people with a low credit rating to help them rebuild their credit. Research all of your options.
What should your decision be? If you have a good credit rating, then this card is a great option for you. Research different card companies – there are cards out there that offer you up to 3% cash back and impose very few limits. If, however, you have a bad credit rating, you may want to find a credit card that will help you rebuild your credit.
Well, there are cards that give you free cash, but it is usually only around 1% cash back. However, free money is free money, right? Well, sometimes.
If you like to buy a lot of things in one month, this kind of credit card probably sounds great to you. However, you need to keep in mind that they are not going to give you cash back on every purchase that you make. Even if they claim to give you cash back on every purchase, they will only give you up to a certain amount per transaction. The company also has a strict limit on the amount that they will give back to their customers. If you read the little, bitty print on the form that you signed, you will see a paragraph with their limits in the terms and agreements.
This is another way to try to draw in new customers for these companies. It is a good credit card to have and sounds great in theory, but they will have to check your credit rating before they will give you their card.
Research different credit card companies to see what they are offering. You may be surprised to find a cash back credit card that offers you just what you need and want with a high cash back percentage, few limits on the amount they will give you back, and instant cash deposits when you make each purchase with their card.
Although these credit cards seem like a great thing to have, some companies will need your credit rating to be great too. However, there are credit card companies that offer these cards to people with a low credit rating to help them rebuild their credit. Research all of your options.
What should your decision be? If you have a good credit rating, then this card is a great option for you. Research different card companies – there are cards out there that offer you up to 3% cash back and impose very few limits. If, however, you have a bad credit rating, you may want to find a credit card that will help you rebuild your credit.
Thursday, October 30, 2008
Gift Cards-What Are Branded Gift Cards? Find Out Why They Are The Best Gift Card To Give and Receive
Discovering the ideal present for family and friends is a continuing test of patience and perseverance.
You want to get something that will please the receiver of the gift but nowadays that can be complicated.
Just looking at your calendar can remind you of the many occasions that gifts call for: birthdays, anniversaries, graduation, births, bar mitzvahs and other holidays.
Gift cards have become progressively more well-liked and in fact desired as the gift of choice. Based on a Coinstar survey, more than 75% of BOTH men and women would like to receive gift cards when they get a gift.
The most popular gift cards now are one that offers the consumer more flexibility in how they are used, some protections if they are lost or stolen and widespread usability.
This type of card is a “branded” gift card - most commonly known as Visa Prepaid Gift Cards, Mastercard Gift Cards and American Express or Discover Gift Cards.
You can get these branded gift cards online and also at some retailers and banking institutions.
People who receive these types of gift cards have the power to use them anywhere that accepts VISA, Mastercard, American Express or Discover – that even includes online retailers and vendors that provide services – this flexibility makes these gift cards very desirable. Much more so than the gift cards that are only good for a single retail store.
Branded gift cards give the user protection if the card is lost or stolen and some of them will even credit back money if there is illicit use of the gift card.
Since you can use a branded gift card at multiple locations and numerous types of different purchases – you can’t go wrong giving a Visa, Mastercard, American Express or Discover Gift Card. There is a really good chance that the person for whom you buy the gift card will be thrilled!
For all the facts about gift cards BEFORE you buy them...go to
http://gift-card-central.com
or
gift for graduation
or
wedding gift ideas for parents
Article Source: http://EzineArticles.com/?expert=Susan_Helton
Gift Cards
You want to get something that will please the receiver of the gift but nowadays that can be complicated.
Just looking at your calendar can remind you of the many occasions that gifts call for: birthdays, anniversaries, graduation, births, bar mitzvahs and other holidays.
Gift cards have become progressively more well-liked and in fact desired as the gift of choice. Based on a Coinstar survey, more than 75% of BOTH men and women would like to receive gift cards when they get a gift.
The most popular gift cards now are one that offers the consumer more flexibility in how they are used, some protections if they are lost or stolen and widespread usability.
This type of card is a “branded” gift card - most commonly known as Visa Prepaid Gift Cards, Mastercard Gift Cards and American Express or Discover Gift Cards.
You can get these branded gift cards online and also at some retailers and banking institutions.
People who receive these types of gift cards have the power to use them anywhere that accepts VISA, Mastercard, American Express or Discover – that even includes online retailers and vendors that provide services – this flexibility makes these gift cards very desirable. Much more so than the gift cards that are only good for a single retail store.
Branded gift cards give the user protection if the card is lost or stolen and some of them will even credit back money if there is illicit use of the gift card.
Since you can use a branded gift card at multiple locations and numerous types of different purchases – you can’t go wrong giving a Visa, Mastercard, American Express or Discover Gift Card. There is a really good chance that the person for whom you buy the gift card will be thrilled!
For all the facts about gift cards BEFORE you buy them...go to
http://gift-card-central.com
or
gift for graduation
or
wedding gift ideas for parents
Article Source: http://EzineArticles.com/?expert=Susan_Helton
Gift Cards
Tuesday, October 28, 2008
Gift Credit Cards for Christmas
Are you searching for the perfect Christmas gift? If so, you should make things easy on yourself and look into gift credit cards. While this may not be the most personalized gift, it is something that you should definitely consider. Not only does this make the shopping process easy on you, but most people love receiving a gift credit card. This affords them the opportunity to shop for whatever they want wherever they want. Over the past five to ten years gift credit cards have become more and more popular.
Perhaps the biggest benefit of giving a gift credit card is that you can easily slip it into an envelope and send it off to anybody on your list. This sure beats having to pay for shipping, and then wondering if the recipient ever received the gift. While you may see most of your list in person, this is not always the case.
Many gift credit cards are fully customizable. While the gift itself may not be personalized, you can customize the card with your own colors, images, and inscription. Does it get any more personalized than that?
But how much money can I add to a gift credit card? In most cases, gift credit cards range from $25 to $500. And for most people this is the perfect range. No matter who you are buying for you should be able to settle on an amount that suits your budget.
Gift credit cards are perfect for friends and family who are hard to shop for. You want to get these people a great gift, but when it comes down to it there is nothing out there that you really fall in love with. This is where a gift credit card can come to your rescue.
Which gift credit card is best? American Express is well known for offering quality cards that can be customized. If you are interested in giving a gift credit card, you will definitely want to see what American Express is offering this holiday season.
If you are searching for the perfect Christmas present but are coming up short, consider the benefits of giving gift credit cards. You will not be disappointed.
Article by : Sharon M.
Perhaps the biggest benefit of giving a gift credit card is that you can easily slip it into an envelope and send it off to anybody on your list. This sure beats having to pay for shipping, and then wondering if the recipient ever received the gift. While you may see most of your list in person, this is not always the case.
Many gift credit cards are fully customizable. While the gift itself may not be personalized, you can customize the card with your own colors, images, and inscription. Does it get any more personalized than that?
But how much money can I add to a gift credit card? In most cases, gift credit cards range from $25 to $500. And for most people this is the perfect range. No matter who you are buying for you should be able to settle on an amount that suits your budget.
Gift credit cards are perfect for friends and family who are hard to shop for. You want to get these people a great gift, but when it comes down to it there is nothing out there that you really fall in love with. This is where a gift credit card can come to your rescue.
Which gift credit card is best? American Express is well known for offering quality cards that can be customized. If you are interested in giving a gift credit card, you will definitely want to see what American Express is offering this holiday season.
If you are searching for the perfect Christmas present but are coming up short, consider the benefits of giving gift credit cards. You will not be disappointed.
Article by : Sharon M.
Wednesday, October 8, 2008
Extra Value With Gift Cards
Gift cards are commonly used by companies as a medium to encourage more customers to buy a certain product or taking advantage of services. Gift cards are also used by consumers as a present for special occasions. A study conducted in 2006 in the United States reports a total of $80 billion spent for gift cards That figure continues to grow today as gift cards are gaining more popularity and attracting millions of consumers.
What is a Gift Card and how can I use it? Gift Cards are electronic cards that can be used to purchase a product or pay for services. Certain amount is credited to a gift card which will then be deducted from transactions made. Some Gift Cards have limitations - cards can only be redeemed at participating establishments and an expiration date is set for each gift card, depending on the issuing party.
The convenience and ease of using gift cards make them one of the most used mediums for payment. Companies give credit and appreciation to a customer by adding gift cards to a certain product. This is another marketing strategy for the company.
The use of gift cards as a marketing strategy is advantageous to both the company and the consumer. This serves as a discount for the consumer, but the consumer has the discretion on what to use it for. Instead of depreciating the price or value of a certain product, companies offer gift cards This increases the margin of possibility that a products or services will be taken.
Dave has been taking advantage of samples offers from companies for years and is here to tell you, yes, you can get free stuff online. Learn more about Internet freebies at Nollij.net - a free web site dedicated to bringing you free trials online.
Article Source: http://EzineArticles.com/?expert=David_L._Felts
Gift Cards
Gift Credit Cards
What is a Gift Card and how can I use it? Gift Cards are electronic cards that can be used to purchase a product or pay for services. Certain amount is credited to a gift card which will then be deducted from transactions made. Some Gift Cards have limitations - cards can only be redeemed at participating establishments and an expiration date is set for each gift card, depending on the issuing party.
The convenience and ease of using gift cards make them one of the most used mediums for payment. Companies give credit and appreciation to a customer by adding gift cards to a certain product. This is another marketing strategy for the company.
The use of gift cards as a marketing strategy is advantageous to both the company and the consumer. This serves as a discount for the consumer, but the consumer has the discretion on what to use it for. Instead of depreciating the price or value of a certain product, companies offer gift cards This increases the margin of possibility that a products or services will be taken.
Dave has been taking advantage of samples offers from companies for years and is here to tell you, yes, you can get free stuff online. Learn more about Internet freebies at Nollij.net - a free web site dedicated to bringing you free trials online.
Article Source: http://EzineArticles.com/?expert=David_L._Felts
Gift Cards
Gift Credit Cards
Wednesday, September 24, 2008
Holiday Gift Card Warning
Whatever happened to gift cards being designed to maximize the recipient's holiday tidings of great joy? Today, Christmas gift cards come with many drawbacks, limitations and even rip-offs. Between the fine print and holiday thieves’ new era in scams, gift cards have become downright outrageous.
A Consumer Reports survey named gifts cards as the second most common holiday present of 2006. However, more than 23 million Americans still have not redeemed last years’ unused gift cards. Crooks are celebrating the season with a new criminal mastermind.
The swindle starts in the aisles of large and small retailers. Thieves record the bar codes of the gift cards. Once the gift cards are purchased, bandits go in for the kill by using the bar code to redeem the gift card's value before the recipient ever receives the gift certificate. Just imagine, sending a gift card to someone, only for them to be embarrassed at the check-out.
But for the sake of argument, what happens to gift cards that are not absconded by criminals? Gift cards are issued by some financial institutions and banks; while, others are directly assigned by the retailer. However, both come with many drawbacks and a number of restrictions:
• Some gifts cards charge fees on cards that are unused more than a year. For example, certain major department stores are known for charging an additional fee on gift cards older than a year.
• Expire after a year. The renowned spa, Mario Tricoci details the expiration date of their gift certificates. Once the card expires, it no longer has any value.
• Require the recipient to use their credit card to redeem the gift. NetFlix uses gift cards as a marketing tool. The online DVD rental behemoth recommends its customers to give the gift of NetFlix. But when the recipient goes to redeem the gift, they are required to input a credit card.
Regardless of what kind of gift card consumers choose to buy this holiday season, The Consumer Journal recommends the following smart holiday gift card tactics:
• Purchase gift cards from a secure location
• Once the card has been purchased, request that the clerk verify the balance of the gift card
• Maintain all gift cards and gift receipts
Please feel free to add this article to your website or ezine with the following message: This article is a courtesy of Holly Bentz, (c) 2006 fruitionMedia.net - All Rights Reserved. For more informative consumer information visit http://AlertsforConsumers.com or for a customized newsletter, web copy or articles, visit http://fruitionMedia.net to contact us.
Article Source: http://EzineArticles.com/?expert=Holly_Bentz
A Consumer Reports survey named gifts cards as the second most common holiday present of 2006. However, more than 23 million Americans still have not redeemed last years’ unused gift cards. Crooks are celebrating the season with a new criminal mastermind.
The swindle starts in the aisles of large and small retailers. Thieves record the bar codes of the gift cards. Once the gift cards are purchased, bandits go in for the kill by using the bar code to redeem the gift card's value before the recipient ever receives the gift certificate. Just imagine, sending a gift card to someone, only for them to be embarrassed at the check-out.
But for the sake of argument, what happens to gift cards that are not absconded by criminals? Gift cards are issued by some financial institutions and banks; while, others are directly assigned by the retailer. However, both come with many drawbacks and a number of restrictions:
• Some gifts cards charge fees on cards that are unused more than a year. For example, certain major department stores are known for charging an additional fee on gift cards older than a year.
• Expire after a year. The renowned spa, Mario Tricoci details the expiration date of their gift certificates. Once the card expires, it no longer has any value.
• Require the recipient to use their credit card to redeem the gift. NetFlix uses gift cards as a marketing tool. The online DVD rental behemoth recommends its customers to give the gift of NetFlix. But when the recipient goes to redeem the gift, they are required to input a credit card.
Regardless of what kind of gift card consumers choose to buy this holiday season, The Consumer Journal recommends the following smart holiday gift card tactics:
• Purchase gift cards from a secure location
• Once the card has been purchased, request that the clerk verify the balance of the gift card
• Maintain all gift cards and gift receipts
Please feel free to add this article to your website or ezine with the following message: This article is a courtesy of Holly Bentz, (c) 2006 fruitionMedia.net - All Rights Reserved. For more informative consumer information visit http://AlertsforConsumers.com or for a customized newsletter, web copy or articles, visit http://fruitionMedia.net to contact us.
Article Source: http://EzineArticles.com/?expert=Holly_Bentz
Monday, September 1, 2008
Silver Credit Cards
The lowest in the hierarchy of precious metal named credit cards, silver credit cards have been around since the conception of credit cards in the mid-1950s. Today silver cards have been surpassed in prestige by gold credit cards and platinum credit cards and so have more commonly come to be known as ‘standard’ or ‘basic’ credit cards.
Advantages of silver credit cards
The advantages that silver credit cards have over other types of cards include:
* lower annual membership fees (if any)
* lower threshold salary which you need to earn if you want to apply
* the same credit limit as other credit cards if you have a good credit history or manage your card sensibly
* 0% interest for between 6 – 9 months when transferring your account balance from one credit provider to another
The simple fact is, if you are not that fussed over the ‘image’ you portray when you are out shopping with your credit card, and are more concerned with how you manage your credit card debit, then silver credit cards are certainly more favourable than any other credit cards on offer.
Disadvantages of silver credit cards
* lower cash withdrawal limits
* less rewards in rewards promotion packages, such as a lower percentage rate cash back return with cash back credit cards or lower airmiles with airmile credit cards
* less travel perks – for example, if you have a gold or platinum card you may be entitled to automatic upgrades when travelling, but as there are far more standard silver credit cardholders, it is unlikely this benefit will be afforded to you as well
* less prestige, which may mean retailers are less willing to give you the same service as they may provide to gold and platinum cardholders.
Joe Kenny writes for Credit Card Guide, offering the latest information on credit cards in the UK, visit them today us to apply for a 0% balance transfer credit cards and start clearing credit card debt today.
Visit today: http://www.cardguide.co.uk/
Article Source: http://EzineArticles.com/?expert=Joseph_Kenny
Advantages of silver credit cards
The advantages that silver credit cards have over other types of cards include:
* lower annual membership fees (if any)
* lower threshold salary which you need to earn if you want to apply
* the same credit limit as other credit cards if you have a good credit history or manage your card sensibly
* 0% interest for between 6 – 9 months when transferring your account balance from one credit provider to another
The simple fact is, if you are not that fussed over the ‘image’ you portray when you are out shopping with your credit card, and are more concerned with how you manage your credit card debit, then silver credit cards are certainly more favourable than any other credit cards on offer.
Disadvantages of silver credit cards
* lower cash withdrawal limits
* less rewards in rewards promotion packages, such as a lower percentage rate cash back return with cash back credit cards or lower airmiles with airmile credit cards
* less travel perks – for example, if you have a gold or platinum card you may be entitled to automatic upgrades when travelling, but as there are far more standard silver credit cardholders, it is unlikely this benefit will be afforded to you as well
* less prestige, which may mean retailers are less willing to give you the same service as they may provide to gold and platinum cardholders.
Joe Kenny writes for Credit Card Guide, offering the latest information on credit cards in the UK, visit them today us to apply for a 0% balance transfer credit cards and start clearing credit card debt today.
Visit today: http://www.cardguide.co.uk/
Article Source: http://EzineArticles.com/?expert=Joseph_Kenny
Sunday, August 17, 2008
What To Look For In A Credit Card
When you are deciding what type of credit card to get it is important to compare credit cards to each other and find the best deal for you. There are a variety of different credit cards available, from low interest cards, cash back cards and even reward credit cards, it's hard to decide what exactly the best credit cards are.
The best credit cards are generally going to have a few things in common. The first thing, being a low interest rate. Low interest cards can save you money over time, by not requiring you to pay large amounts of interest on your purchases. Some of the best credit cards in addition to offering a low interest rate will be reward credit cards. Reward credit card will give the user some sort of incentive for choosing their card to make a purchase rather than another. Rewards can vary from cash back to gift certificates at your favorite department store. Some cards will even offer actual merchandise or trips as rewards for using the card.
Compare different offers you receive for credit cards in the mail, and look for the credit card offer which is giving you the most perks for the least amount of money. Be sure to pay special attention to any membership or annual fees that the card may charge. Often credit cards with fantastic rewards will come at fantastic prices.
Jeff Altmire is the author of this article. This article may be reproduced on websites subject to credit being given to the author, and a link to this website. If you would like more information go to http://www.best-credit-card-cards.com
Article Source: http://EzineArticles.com/?expert=Jeffrey_Altmire
The best credit cards are generally going to have a few things in common. The first thing, being a low interest rate. Low interest cards can save you money over time, by not requiring you to pay large amounts of interest on your purchases. Some of the best credit cards in addition to offering a low interest rate will be reward credit cards. Reward credit card will give the user some sort of incentive for choosing their card to make a purchase rather than another. Rewards can vary from cash back to gift certificates at your favorite department store. Some cards will even offer actual merchandise or trips as rewards for using the card.
Compare different offers you receive for credit cards in the mail, and look for the credit card offer which is giving you the most perks for the least amount of money. Be sure to pay special attention to any membership or annual fees that the card may charge. Often credit cards with fantastic rewards will come at fantastic prices.
Jeff Altmire is the author of this article. This article may be reproduced on websites subject to credit being given to the author, and a link to this website. If you would like more information go to http://www.best-credit-card-cards.com
Article Source: http://EzineArticles.com/?expert=Jeffrey_Altmire
Saturday, August 9, 2008
Credit Cards For People With Bad Credit - Facts
Credit cards for bad credit are certainly not going to be the best credit deals, but credit cards for people with bad credit might be your only option available. The interest on credit cards for people with bad credit are usually much higher than on a regular credit card. These types of credit cards are especially designed for people with a bad credit history and don't qualify for a regular credit card. If you are a young person just starting to build credit, or if you've had circumstances that has damaged your credit history, you usually can qualify for credit cards for bad credit.
Bad Credit Deals
Bad credit, credit card deals are readily available online with easy, secure applications. Bad credit deals are often divided into secured credit cards for bad credit that need a deposit and bad credit unsecured credit cards, a bad credit card with much higher fees. These types of bad credit offers people with a poor credit score or no previous credit history a quick and easy way to re-gain a good credit history with bad credit cards. If you keep your credit balance under the limit and make your payments on time, you'll become eligible for much better deals on your credit card rates and improve your credit score.
Interest
There are many temptations by having credit cards and while using bad credit cards to hold you over in tight situations, remember it is only temporary relief as the interest rates on credit cards for bad credit are extremely high. Shop around and look for credit cards for bad credit with an interest rate that you are absolutely sure you will be able to pay. Probably the single most important part of picking credit cards is the interest rate, especially for people who will be rolling over balances from month to month.
Tips
A person must always keep in mind that credit cards for bad credit are very easy to use so don't go overboard or you might find yourself in a much worse situation. Check out the interest rates and fees before you start applying for credit cards for bad credit. Don't apply for every bad credit card there is as this will effect your credit score, only choose two of the best bad credit deals you can find.
Blake Hendrickson is owner/operator of several credit related websites including websites specializing in bad credit credit cards. Visit our website today for the best selection of credit cards for bad credit.
Article Source: http://EzineArticles.com/?expert=Blake_C._Hendrickson
Bad Credit Deals
Bad credit, credit card deals are readily available online with easy, secure applications. Bad credit deals are often divided into secured credit cards for bad credit that need a deposit and bad credit unsecured credit cards, a bad credit card with much higher fees. These types of bad credit offers people with a poor credit score or no previous credit history a quick and easy way to re-gain a good credit history with bad credit cards. If you keep your credit balance under the limit and make your payments on time, you'll become eligible for much better deals on your credit card rates and improve your credit score.
Interest
There are many temptations by having credit cards and while using bad credit cards to hold you over in tight situations, remember it is only temporary relief as the interest rates on credit cards for bad credit are extremely high. Shop around and look for credit cards for bad credit with an interest rate that you are absolutely sure you will be able to pay. Probably the single most important part of picking credit cards is the interest rate, especially for people who will be rolling over balances from month to month.
Tips
A person must always keep in mind that credit cards for bad credit are very easy to use so don't go overboard or you might find yourself in a much worse situation. Check out the interest rates and fees before you start applying for credit cards for bad credit. Don't apply for every bad credit card there is as this will effect your credit score, only choose two of the best bad credit deals you can find.
Blake Hendrickson is owner/operator of several credit related websites including websites specializing in bad credit credit cards. Visit our website today for the best selection of credit cards for bad credit.
Article Source: http://EzineArticles.com/?expert=Blake_C._Hendrickson
Tuesday, August 5, 2008
How To Use A Credit Card Even If You Can't Qualify For One
Gift credit cards are optimal options for those who can't pass the application process for a credit card.
Visa Gift Card is a good example of such a card. Gift cards are considered to be more convenient and flexible because the recipient can purchase what they want. A perfect gift for every occasion. It consists basically in a debit card, which can be ordered from the bank for $4.99 per card for a classic gift card or a personalized gift card for $7.95. It can be loaded with anything in between $25 and $500 and has security insurance like any other card, which means it can be replaced if it’s lost or stolen, if the account number is still available. It definitely offers more security than a paper cheque. After being gifted, the recipient has to sign the back of the card and he can use it everywhere Visa debit cards are accepted worldwide, in stores, online or over the phone, in restaurants and entertainment venues. He can even make online balance inquiries.
American Express also has a gift card offer, with different layouts for different events like birthdays, weddings, holydays etc. It comes in a special gold envelope with recipient’s name on it, and the card and a set of instructions inside. Each card has a space where the client can write a personal message. In addition this card has benefits from retailers, restaurants and other merchants. The downside is that gift cards cannot be used in car rentals, cruise lines, casinos, cellular phone subscriptions. American Express also has a 50 cards limit per order, or $5,000 per customer every 14 days.
http://www.Justurbanlife.com is your source for credit. You can obtain loans, mortgages, credit cards, cash advances, even if you have a poor credit score. http://www.justurbanlife.com is also perfect for you if have a good credit score.
Article Source: http://EzineArticles.com/?expert=Donny_Lowy
Visa Gift Card is a good example of such a card. Gift cards are considered to be more convenient and flexible because the recipient can purchase what they want. A perfect gift for every occasion. It consists basically in a debit card, which can be ordered from the bank for $4.99 per card for a classic gift card or a personalized gift card for $7.95. It can be loaded with anything in between $25 and $500 and has security insurance like any other card, which means it can be replaced if it’s lost or stolen, if the account number is still available. It definitely offers more security than a paper cheque. After being gifted, the recipient has to sign the back of the card and he can use it everywhere Visa debit cards are accepted worldwide, in stores, online or over the phone, in restaurants and entertainment venues. He can even make online balance inquiries.
American Express also has a gift card offer, with different layouts for different events like birthdays, weddings, holydays etc. It comes in a special gold envelope with recipient’s name on it, and the card and a set of instructions inside. Each card has a space where the client can write a personal message. In addition this card has benefits from retailers, restaurants and other merchants. The downside is that gift cards cannot be used in car rentals, cruise lines, casinos, cellular phone subscriptions. American Express also has a 50 cards limit per order, or $5,000 per customer every 14 days.
http://www.Justurbanlife.com is your source for credit. You can obtain loans, mortgages, credit cards, cash advances, even if you have a poor credit score. http://www.justurbanlife.com is also perfect for you if have a good credit score.
Article Source: http://EzineArticles.com/?expert=Donny_Lowy
Thursday, July 24, 2008
Gift Credit Cards -The Perfect Gift Every Time
What gift is always the right size and color? Gift credit cards can solve all your gift giving dilemmas. Put a smile on the faces of even the most difficult people to shop for with gift credit cards.
Available in endless varieties and selections, these cards can be purchased for everything from gas to groceries, and so much more.
The selection of cards online is becoming larger each day. These cards are available for virtually any store, restaurant, hotel, and travel destination you can name.
With the ever increasing rise in gas prices, gas gift cards can be a valuable tool in your fight against higher prices. With careful shopping, you can find amazing bargains on gas gift cards.
Want to take a weekend vacation but think you can't afford it? There are bargains on cards online you can use for Las Vegas, Six Flags, and even Disney vacations are available.
Who doesn't shop at Wal-Mart? We have all seen the Wal-Mart gift cards on sale in their stores, but there are much better bargains on Wal-Mart cards online. And not just Wal-Mart, but all major retailers such as Sears, Macy's, Best Buy and Circuit City cards are sold online at incredible savings.
No matter the occasion, whether it is a birthday, graduation, anniversary, Christmas, wedding, or just a simple thank you gift, these cards can help take the stress and worry out of gift shopping.
Never worry about sizes, colors, and will your gift be appreciated again. Buy the perfect gift that everyone will be thankful for. Give the perfect gift every time, gift credit cards.
Incredible bargains every day on online gift cards at http://www.purchaseonlinegiftcards.com/
Article Source: http://EzineArticles.com/?expert=William_Davis
Gift Credit Cards
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Available in endless varieties and selections, these cards can be purchased for everything from gas to groceries, and so much more.
The selection of cards online is becoming larger each day. These cards are available for virtually any store, restaurant, hotel, and travel destination you can name.
With the ever increasing rise in gas prices, gas gift cards can be a valuable tool in your fight against higher prices. With careful shopping, you can find amazing bargains on gas gift cards.
Want to take a weekend vacation but think you can't afford it? There are bargains on cards online you can use for Las Vegas, Six Flags, and even Disney vacations are available.
Who doesn't shop at Wal-Mart? We have all seen the Wal-Mart gift cards on sale in their stores, but there are much better bargains on Wal-Mart cards online. And not just Wal-Mart, but all major retailers such as Sears, Macy's, Best Buy and Circuit City cards are sold online at incredible savings.
No matter the occasion, whether it is a birthday, graduation, anniversary, Christmas, wedding, or just a simple thank you gift, these cards can help take the stress and worry out of gift shopping.
Never worry about sizes, colors, and will your gift be appreciated again. Buy the perfect gift that everyone will be thankful for. Give the perfect gift every time, gift credit cards.
Incredible bargains every day on online gift cards at http://www.purchaseonlinegiftcards.com/
Article Source: http://EzineArticles.com/?expert=William_Davis
Gift Credit Cards
Technorati Profile
Friday, July 18, 2008
Business: Learning to manage your credit cards
“Do I know how to use a credit card? You just hand it to the cashier whenever you want to buy something and sign the receipt.
“Make the minimum payment and don’t worry if you reach your credit limit. The company will probably raise your limit, and you are likely to get offers for more cards.” This is the approach millions have taken when using those little plastic cards.
However, this is costing many families dearly. With prices of goods and services going up and not the income, more and more Malaysians are forced to spend beyond their earnings.
Facts on credit card Let’s try to understand how the plastic card works. It provides you with a line of credit, which is the maximum you can charge to the card.
As you make purchases, the available credit line decreases.
When you receive your monthly statement, you p ay off the whole amount, or only the minimum amount due.
But many only pay the interest and the minimum amount of principal, thus never fully repaying the entire sum.
The spending trap For many, running up debt begins innocently enough.
When they are college stu - dents, many are given supplementar y cards by the parents.
There are just so many things that they “need” to buy and swipe the card at restaurants and pubs once too often.
With the implied promise of high-paying jobs, many students enter the credit world thinking their debt will be settled as quickly as it was acquired after graduation.
Many graduating students find reality to be different from their naive expectations, in which rising debt matches or exceeds rising incomes.
Adults, too, have also fallen for easy credit and unnecessary purchases.
People can also be sucked into credit card debt by unemployment.
With no savings, it’s so each to use the credit card to cover basic living expenses.
Settling credit card debt If you find yourself making interest payments every month on your credit cards, the first step is to assess your income and expenses.
Total your monthly expenses and subtract them from your income. This is your disposable income after expenses, and also the amount you have each month to use as you deter mine.
The next step is to stop charging items on your credit cards. Pay cash for items you must buy.
Then analyse your credit card debt. Determine which credit card issuers are charging the highest rate of interest.
You may be able to transfer balances from cards with higher rates to those offering lower rates.
Next, rank the cards in order of the interest rate charged. Use your disposable income to completely pay off the card with the highest rate.
Once that card is paid off, close the account and destroy the card. Then focus your attention on the next card, and do the same until all of the debt on your cards have been completely paid off.
Just use one or two cards and use them as a financial tool.
How to use a credit card , when properly used, is an extremely convenient tool.
The most important step in responsible credit card use is to pay off the bill every month.
Think of the credit card as using cash that is reserved each month for the items charged. With this method, no interest accrues and credit cards become legitimate plus helpful financial tools. They become our servants instead of the other way around.
Credit cards provide us with the added security and ease when shopping and travelling but we tend to misuse them.
Take, for example, the habit of making only the five per cent or RM50, whichever is higher, minimum payment each month.
On a RM10,000 balance with a credit card charging 18 per cent annually, it would take over seven years to pay off the amount owed.
Tips for handling credit cards wisely
¸• Remember that a credit card is not the same as free money
¸• Keep only one or two cards.
¸• Charge only what you can afford to pay back – avoid living beyond your means
• Shop around for the best interest rates, annual fees and service fees .
¸• Pay off the debt each month, or pay more than the minimum.
Source :www.nst.com.my
“Make the minimum payment and don’t worry if you reach your credit limit. The company will probably raise your limit, and you are likely to get offers for more cards.” This is the approach millions have taken when using those little plastic cards.
However, this is costing many families dearly. With prices of goods and services going up and not the income, more and more Malaysians are forced to spend beyond their earnings.
Facts on credit card Let’s try to understand how the plastic card works. It provides you with a line of credit, which is the maximum you can charge to the card.
As you make purchases, the available credit line decreases.
When you receive your monthly statement, you p ay off the whole amount, or only the minimum amount due.
But many only pay the interest and the minimum amount of principal, thus never fully repaying the entire sum.
The spending trap For many, running up debt begins innocently enough.
When they are college stu - dents, many are given supplementar y cards by the parents.
There are just so many things that they “need” to buy and swipe the card at restaurants and pubs once too often.
With the implied promise of high-paying jobs, many students enter the credit world thinking their debt will be settled as quickly as it was acquired after graduation.
Many graduating students find reality to be different from their naive expectations, in which rising debt matches or exceeds rising incomes.
Adults, too, have also fallen for easy credit and unnecessary purchases.
People can also be sucked into credit card debt by unemployment.
With no savings, it’s so each to use the credit card to cover basic living expenses.
Settling credit card debt If you find yourself making interest payments every month on your credit cards, the first step is to assess your income and expenses.
Total your monthly expenses and subtract them from your income. This is your disposable income after expenses, and also the amount you have each month to use as you deter mine.
The next step is to stop charging items on your credit cards. Pay cash for items you must buy.
Then analyse your credit card debt. Determine which credit card issuers are charging the highest rate of interest.
You may be able to transfer balances from cards with higher rates to those offering lower rates.
Next, rank the cards in order of the interest rate charged. Use your disposable income to completely pay off the card with the highest rate.
Once that card is paid off, close the account and destroy the card. Then focus your attention on the next card, and do the same until all of the debt on your cards have been completely paid off.
Just use one or two cards and use them as a financial tool.
How to use a credit card , when properly used, is an extremely convenient tool.
The most important step in responsible credit card use is to pay off the bill every month.
Think of the credit card as using cash that is reserved each month for the items charged. With this method, no interest accrues and credit cards become legitimate plus helpful financial tools. They become our servants instead of the other way around.
Credit cards provide us with the added security and ease when shopping and travelling but we tend to misuse them.
Take, for example, the habit of making only the five per cent or RM50, whichever is higher, minimum payment each month.
On a RM10,000 balance with a credit card charging 18 per cent annually, it would take over seven years to pay off the amount owed.
Tips for handling credit cards wisely
¸• Remember that a credit card is not the same as free money
¸• Keep only one or two cards.
¸• Charge only what you can afford to pay back – avoid living beyond your means
• Shop around for the best interest rates, annual fees and service fees .
¸• Pay off the debt each month, or pay more than the minimum.
Source :www.nst.com.my
Wednesday, July 9, 2008
Visa Gift Card – The Smart Credit Card Alternative
A visa gift card is similar to a debit card and represents money deposited with the issuer (Visa). This card can be used for purchases up to the limit on the card at all outlets where visa card is accepted. The difference between debit card and visa gift card is that debit card is usually issued in an individual’s name where as visa gift card is issued without any name. Further there is a PIN in debit cards where as for visa gift cards there is no PIN. The amount varies from $25 to $2,500. There are two types of visa gift cards, domestic and international. Domestic can be used only within the US while international visa gift cards can be used internationally.
The visa gift card looks just like any debit card. It has a magnetic strip embedded in it on which the number is encoded. The remaining value in the card can be assessed by radio frequency identification. There are other ways, like entering the printed number on the card into a telephone or other numeric keypad. The simplest way to know the balance on your visa gift card is to call the toll free number on the card and give the card number.
The visa gift card can be given as a reward or gift on various occasions. Some visa cards are automatically activated whereas some have to be activated. The instructions for activation are written on the card. It is important to sign on the back of the card to prevent unauthorized people using your card. The purchase receipt has to be signed on every purchase.
The usage of the card is very simple and similar to using a credit card. The card has to be swiped through the keypad and the credit button has to be pressed. The amount spent on purchases is automatically deducted from the account. However unlike credit card the amount of purchase is limited to the amount in the card and no overdrawing is possible. If the amount of purchase is more than the amount in the card, the card is declined. Therefore it is necessary to know the balance amount in the visa gift card before hand. In case one wants to purchase an article of value more than the amount in the card, the difference amount can be paid by cash, check or credit card.
If a card is lost or stolen, dial the toll free number given on the card or the number in the back of the card materials. To issue a fresh card the card provider will need the visa gift card number. Hence it is better to note the card number and the toll free number in a separate paper and keep it in safe place. When gifting the visa gift card the gift card materials should also be given with the visa gift card.
Visa gift cards are available quite easily and at many locations. To purchase a visa gift card online, or to know the locations where it is available, visit usa.visa.com.
Tyson J Stevenson is a prolific writer of useful articles on a variety of topics. Related resources are Cheap Visa Gift Cards and HubbuH as well as News2Reviews
Article Source: http://EzineArticles.com/?expert=Tyson_J_Stevenson
Saturday, July 5, 2008
American Express Gift Cards
Gift Credit Cards
American Express gift cards are perfect for any occasion and are accepted almost anywhere
When you are in the market for a great gift, it can be very difficult trying to pick out just the right one. And when you spend a lot of money on someone, you want to make sure you get the kind of gift they can use. So why not turn to American Express gift cards? Give your friend or family member the option to buy whatever they want and take the guesswork out of the process completely!
American Express gift cards are a very versatile gift. They are accepted anywhere American Express credit cards are! Whether you need a gift for a holiday, a birthday or even a special anniversary, gift cards are always a great way to go. So go the extra step with American Express gift cards and let the gift recipient shop virtually anywhere!
Perhaps your gift recipient isn't the type to use credit cards. That's fine! There are also American Express gift cheques available. Used similarly to gift certificates, these make great gifts for individuals who prefer the convenience of a check.
Different people have different needs and wants. And finding the perfect gift for everyone is not always easy. So let that college grad choose a new stereo, or that new mom turn your gift into her first post-baby date with her husband. Anything your gift recipient wants or needs is easy to get with an American Express gift card.
Looking to promote your online business? Visit the internet marketing experts at Archetype Development. Check out the geek blog to see our story. While you are at it, submit your site for free to our search engine friendly directory.
Article Source: http://EzineArticles.com/?expert=Sarah_Freeland
Gift Credit Cards
American Express gift cards are perfect for any occasion and are accepted almost anywhere
When you are in the market for a great gift, it can be very difficult trying to pick out just the right one. And when you spend a lot of money on someone, you want to make sure you get the kind of gift they can use. So why not turn to American Express gift cards? Give your friend or family member the option to buy whatever they want and take the guesswork out of the process completely!
American Express gift cards are a very versatile gift. They are accepted anywhere American Express credit cards are! Whether you need a gift for a holiday, a birthday or even a special anniversary, gift cards are always a great way to go. So go the extra step with American Express gift cards and let the gift recipient shop virtually anywhere!
Perhaps your gift recipient isn't the type to use credit cards. That's fine! There are also American Express gift cheques available. Used similarly to gift certificates, these make great gifts for individuals who prefer the convenience of a check.
Different people have different needs and wants. And finding the perfect gift for everyone is not always easy. So let that college grad choose a new stereo, or that new mom turn your gift into her first post-baby date with her husband. Anything your gift recipient wants or needs is easy to get with an American Express gift card.
Looking to promote your online business? Visit the internet marketing experts at Archetype Development. Check out the geek blog to see our story. While you are at it, submit your site for free to our search engine friendly directory.
Article Source: http://EzineArticles.com/?expert=Sarah_Freeland
Gift Credit Cards
Saturday, June 28, 2008
Gift Cards
Gift cards are much like cash cards. The distinction is the gift card has the logo and design of a sponsoring business embossed on the front of the card.
The value of the cards can be preset or flexible, and consumers find them much more convenient than paper gift certificates. In other words, a preset amount means the card is used up and thrown away. A flexible card, on the other hand, can be refilled with more money by the person who owns the card. This of course is a sign that he or she has been made a loyal customer by the gift card promotion.
The most important feature of a gift card is the special account numbers it displays that prevents fraud. Gift cards are easy to use. Merchants activate the credit as soon as the card is sold, and shoppers can use it until the balance is used up. The card’s magnetic stripe always has a current, updated balance.
Gift cards are positive for both buyers and sellers. Shoppers are protected from fraud, and business owners gain customer’s loyalty because the gift cards are specially designed for their shops. If a shopper likes what he or she purchases, they probably will return to the shop.
If you don’t know what to buy someone, give a gift card. There are many types to choose from including prepaid cash cards, gas cards, mail cards, donation cards, promotion cards, etc. There are even cards for major department stores, for supermarkets, flower shops, and more. This is veritably endless.
Gift Cards provides detailed information on gift cards, restaurant gift cards, online gift cards, gas gift cards and more. Gift Cards is affiliated with Online Gift Certificates.
Article Source: http://EzineArticles.com/?expert=Jimmy_Sturo
Gift Cards
The value of the cards can be preset or flexible, and consumers find them much more convenient than paper gift certificates. In other words, a preset amount means the card is used up and thrown away. A flexible card, on the other hand, can be refilled with more money by the person who owns the card. This of course is a sign that he or she has been made a loyal customer by the gift card promotion.
The most important feature of a gift card is the special account numbers it displays that prevents fraud. Gift cards are easy to use. Merchants activate the credit as soon as the card is sold, and shoppers can use it until the balance is used up. The card’s magnetic stripe always has a current, updated balance.
Gift cards are positive for both buyers and sellers. Shoppers are protected from fraud, and business owners gain customer’s loyalty because the gift cards are specially designed for their shops. If a shopper likes what he or she purchases, they probably will return to the shop.
If you don’t know what to buy someone, give a gift card. There are many types to choose from including prepaid cash cards, gas cards, mail cards, donation cards, promotion cards, etc. There are even cards for major department stores, for supermarkets, flower shops, and more. This is veritably endless.
Gift Cards provides detailed information on gift cards, restaurant gift cards, online gift cards, gas gift cards and more. Gift Cards is affiliated with Online Gift Certificates.
Article Source: http://EzineArticles.com/?expert=Jimmy_Sturo
Gift Cards
Wednesday, June 25, 2008
Credit card refusal draws ire
GEORGE TOWN: Motorists here are fuming over the sudden move by petrol stations here as well as Kedah and Perlis to refuse payment by credit and fleet cards.
The decision was made following a meeting in Butterworth at 3.30pm yesterday to discuss a circular by the Petroleum Dealers Association of Malaysia, which had sent out a notice to 3,200 members nationwide advising them to refuse all cards.
More than 400 stations in the northern region decided to enforce the move and started refusing the payment from midnight.
In the meeting, Mobil Stations Malaysia deputy president Roslan Jamaludin said petrol station operators could no longer shoulder the burden of the card charges.
Sorry, no credit: Workers informing a customer that only cash would be accepted at a petrol station in Tajung Tokong, Penang on Tuesday.
“We lose nearly 50% of our profit to card transactions. How are we going to cut costs if everyone uses cards for their purchase?” he asked.
He added that operators agreed to this “business decision” for “long-term survival” and to highlight their plight to the Government.
Motorist Zafran Zakri Mohamad, 37, said the petrol station operators should not be heartless.
“We are struggling to cope with the recent increase in fuel price. We thought we could depend on credit cards when we run out of cash.
“But now we cannot not even use credit cards. And to impose such a ruling at a time of month when most people are running out of cash is really unacceptable,” said an irate Zafran.
Car rental agent Kintan Natasuri Aziz, 40, who uses the fleet card, said the new ruling would pose much inconvenience to him, as he has to travel outstation to send and pick up cars for rental.
“We also do not carry much cash,” he said.
Another motorist, Maisarah Khairul Anuar, 27, said that if petrol station operators were unhappy with the interest imposed by the banks then they should take it up with banks.
“They should not make consumers suffer,” she said.
Ryan Tang, 31, a graphic designer, said it was not right to immediately implement such decision without giving prior notice to customers.
“What if we run out of petrol after midnight when the ATMs are closed and we cannot withdraw money?” said Tang.
Source:http://the star.com.my/news
Credit card
The decision was made following a meeting in Butterworth at 3.30pm yesterday to discuss a circular by the Petroleum Dealers Association of Malaysia, which had sent out a notice to 3,200 members nationwide advising them to refuse all cards.
More than 400 stations in the northern region decided to enforce the move and started refusing the payment from midnight.
In the meeting, Mobil Stations Malaysia deputy president Roslan Jamaludin said petrol station operators could no longer shoulder the burden of the card charges.
Sorry, no credit: Workers informing a customer that only cash would be accepted at a petrol station in Tajung Tokong, Penang on Tuesday.
“We lose nearly 50% of our profit to card transactions. How are we going to cut costs if everyone uses cards for their purchase?” he asked.
He added that operators agreed to this “business decision” for “long-term survival” and to highlight their plight to the Government.
Motorist Zafran Zakri Mohamad, 37, said the petrol station operators should not be heartless.
“We are struggling to cope with the recent increase in fuel price. We thought we could depend on credit cards when we run out of cash.
“But now we cannot not even use credit cards. And to impose such a ruling at a time of month when most people are running out of cash is really unacceptable,” said an irate Zafran.
Car rental agent Kintan Natasuri Aziz, 40, who uses the fleet card, said the new ruling would pose much inconvenience to him, as he has to travel outstation to send and pick up cars for rental.
“We also do not carry much cash,” he said.
Another motorist, Maisarah Khairul Anuar, 27, said that if petrol station operators were unhappy with the interest imposed by the banks then they should take it up with banks.
“They should not make consumers suffer,” she said.
Ryan Tang, 31, a graphic designer, said it was not right to immediately implement such decision without giving prior notice to customers.
“What if we run out of petrol after midnight when the ATMs are closed and we cannot withdraw money?” said Tang.
Source:http://the star.com.my/news
Credit card
Monday, June 23, 2008
Gift Credit Cards - Read the Fine Print
Article by:Mark Bennet
Gift credit cards can be useful and much-appreciated gifts, but it is important to understand what they are and how they work, and to check the terms and conditions of your particular card. Each issuer has different fine print relating to their cards, and some of the clauses in the fine print can be costly.
What Are Gift Credit Cards?
A gift credit card is actually not a credit card in the traditional sense of the word. A holder of a traditional credit card makes purchases on credit, and pays the bill later, when it falls due. A gift credit card is a stored value card, or debit card. A certain amount of money is deposited into the card by the purchaser at the time the card is issued, and only that amount of money may be spent using the card.
If you think about the old-fashioned paper gift certificate still issued by many major retailers, you will have a more accurate notion of the nature of a gift card than if you think about a credit card in general.
Who Issues Them?
Some retailers have switched from using paper gift certificates to issuing gift credit cards. While these store-specific gift cards have the disadvantage of being limited to use in a particular store, this is offset by the benefit that generally charge lower fees than more general gift cards.
Gift credit cards are issued by major credit card providers, such as Visa, Mastercard, Discover, and American Express, both directly and through banks. Each issuer has their own particular set of terms and conditions.
What Are The Problems?
Some issuers limit gift cards to use within the USA. Others will not allow them to be used for certain purchases, such as air tickets or hotels. American Express will not issue gift cards to the residents of five US states, because, according to American Express, "restrictive legislation" makes it prohibitively expensive to do so.
Gift credit cards issued by Visa and Mastercard can usually be used in most places around the world where Visa and Mastercard are accepted, with the exception in some cases of specific types of purchases. It is very important to read the terms and conditions to make sure you, or the recipient, will be able to make use of the card as you expect.
Other Issues
In some cases, gift cards can be used at ATMs to withdraw cash. Obviously, this is not the case with store-specific gift cards, and it is not available as an option in all cases, even with Visa and Mastercard gift cards. If you wish to have this option available, you will need to research carefully before choosing your card.
Check your terms and conditions to understand the fees payable. In most cases, it is a costly mistake to keep a balance on your gift card for more than a few months. Most providers have expiry dates on their gift cards, or start charging relatively costly monthly fees after a particular time period has passed. In some cases, the balance on the card at the expiry date is simply lost. In other cases, the card issuer will send you balance by check - less an account closing fee and a check drawing fee which can add up to $30 or thereabouts, and often consume the balance completely anyway.
If you have chosen the right gift credit card, you will be able to give a gift which is as flexible as cash, but as personalised as a gift certificate. If you have received a gift credit card, you have no choice about the issuer, so make sure you read the fine print, so you can avoid any unwanted fees or complications.
Mark Bennett is a staff writer for Money Talks, and contributes regularly to other financial sites. This article is part of his series on credit cards.
You can find the top 10 questions to ask the issuer of your gift credit card at the Money Talks site.
Article Source: http://EzineArticles.com/?expert=Mark_Bennett
Gift credit cards can be useful and much-appreciated gifts, but it is important to understand what they are and how they work, and to check the terms and conditions of your particular card. Each issuer has different fine print relating to their cards, and some of the clauses in the fine print can be costly.
What Are Gift Credit Cards?
A gift credit card is actually not a credit card in the traditional sense of the word. A holder of a traditional credit card makes purchases on credit, and pays the bill later, when it falls due. A gift credit card is a stored value card, or debit card. A certain amount of money is deposited into the card by the purchaser at the time the card is issued, and only that amount of money may be spent using the card.
If you think about the old-fashioned paper gift certificate still issued by many major retailers, you will have a more accurate notion of the nature of a gift card than if you think about a credit card in general.
Who Issues Them?
Some retailers have switched from using paper gift certificates to issuing gift credit cards. While these store-specific gift cards have the disadvantage of being limited to use in a particular store, this is offset by the benefit that generally charge lower fees than more general gift cards.
Gift credit cards are issued by major credit card providers, such as Visa, Mastercard, Discover, and American Express, both directly and through banks. Each issuer has their own particular set of terms and conditions.
What Are The Problems?
Some issuers limit gift cards to use within the USA. Others will not allow them to be used for certain purchases, such as air tickets or hotels. American Express will not issue gift cards to the residents of five US states, because, according to American Express, "restrictive legislation" makes it prohibitively expensive to do so.
Gift credit cards issued by Visa and Mastercard can usually be used in most places around the world where Visa and Mastercard are accepted, with the exception in some cases of specific types of purchases. It is very important to read the terms and conditions to make sure you, or the recipient, will be able to make use of the card as you expect.
Other Issues
In some cases, gift cards can be used at ATMs to withdraw cash. Obviously, this is not the case with store-specific gift cards, and it is not available as an option in all cases, even with Visa and Mastercard gift cards. If you wish to have this option available, you will need to research carefully before choosing your card.
Check your terms and conditions to understand the fees payable. In most cases, it is a costly mistake to keep a balance on your gift card for more than a few months. Most providers have expiry dates on their gift cards, or start charging relatively costly monthly fees after a particular time period has passed. In some cases, the balance on the card at the expiry date is simply lost. In other cases, the card issuer will send you balance by check - less an account closing fee and a check drawing fee which can add up to $30 or thereabouts, and often consume the balance completely anyway.
If you have chosen the right gift credit card, you will be able to give a gift which is as flexible as cash, but as personalised as a gift certificate. If you have received a gift credit card, you have no choice about the issuer, so make sure you read the fine print, so you can avoid any unwanted fees or complications.
Mark Bennett is a staff writer for Money Talks, and contributes regularly to other financial sites. This article is part of his series on credit cards.
You can find the top 10 questions to ask the issuer of your gift credit card at the Money Talks site.
Article Source: http://EzineArticles.com/?expert=Mark_Bennett
Sunday, June 22, 2008
Gift Giving Credit Cards - Who Is Really Receiving With These Cards?
Article by:Peter Craske
Gift giving credit cards are marketed by credit card companies under the guise that you will be donating a large wedge of cash to your favourite charity every time you use it. To be honest with you, nothing could be further from the truth! Read this article to find out why you should dump your charity card today and what your real gift giving credit card options are.
The reason you should get rid of the charity credit card in your wallet is quite simple; your credit card company is taking you for a fool! Now before we go any further, let me back that previous statement up with some hard facts. The majority of gift giving or charity cards only give the charity up to a maximum of 0.3% of the value you spend on your card. This is compared to an average 2% charge that the credit card companies levy on Retailers etc., every time you use your card. So from this quick analysis, it's easy to see who's making all the money here, right?
If you do believe in charitable donations and want to give via a credit card, what is the most efficient way of doing so? The answer my friend is staring you in the face. Sign up for the best cash back credit card you can get your hands on. If you do your homework properly, you should be able to get one that pays out at a rate of 1% (compare this to the 0.3% above!). Over the course of a year this can really mount up, especially if you use your cash back card for all of your monthly expenditure and pay it off in full each month.
For more tips on how to better a Gift Giving Credit Card and related issues like 5 % Cash Back On All Credit Card Purchases make sure you visit Peter Craske's visit site ===> http://www.ukcreditcard-directory.co.uk
Article Source: http://EzineArticles.com/?expert=Peter_Craske
Gift giving credit cards are marketed by credit card companies under the guise that you will be donating a large wedge of cash to your favourite charity every time you use it. To be honest with you, nothing could be further from the truth! Read this article to find out why you should dump your charity card today and what your real gift giving credit card options are.
The reason you should get rid of the charity credit card in your wallet is quite simple; your credit card company is taking you for a fool! Now before we go any further, let me back that previous statement up with some hard facts. The majority of gift giving or charity cards only give the charity up to a maximum of 0.3% of the value you spend on your card. This is compared to an average 2% charge that the credit card companies levy on Retailers etc., every time you use your card. So from this quick analysis, it's easy to see who's making all the money here, right?
If you do believe in charitable donations and want to give via a credit card, what is the most efficient way of doing so? The answer my friend is staring you in the face. Sign up for the best cash back credit card you can get your hands on. If you do your homework properly, you should be able to get one that pays out at a rate of 1% (compare this to the 0.3% above!). Over the course of a year this can really mount up, especially if you use your cash back card for all of your monthly expenditure and pay it off in full each month.
For more tips on how to better a Gift Giving Credit Card and related issues like 5 % Cash Back On All Credit Card Purchases make sure you visit Peter Craske's visit site ===> http://www.ukcreditcard-directory.co.uk
Article Source: http://EzineArticles.com/?expert=Peter_Craske
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