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

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