Posts Tagged With 'Credit Card'

Hills Bank and Trust Company Visa Classic Credit Card

Posted by: John Freycinet  Posted date: February 04, 2012 in Credit Card News
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The Hills Bank and Trust Company Visa Classic credit card was a standard credit card with no rewards or cash back program. It is no longer offered by HBTC, though the bank and trust company does offer an alternative.

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HBTC Visa Classic Replacement

Although the Visa Classic from HBTC is no longer offered, cardholders who already had one before it was discontinued may still maintain the account with no changes if they wish. Hills Bank and Trust now offers the Visa Platinum instead.

As an HBTC Visa Platinum cardholder, youll still receive the personal service youve come to expect from a community bank.

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Tags: Card Classic Credit Classic Credit Card Credit Card

Review: The American Airlines AAdvantage Credit Card from Citi

Posted by: John Freycinet  Posted date: January 27, 2012 in Credit Card News
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When most people consider a travel rewards credit card they immediately think of one that earns frequent flier miles. Their next thought is often about the difficulty they will have booking award flights at the lowest mileage levels.

Sadly, most airlines have made it almost impossible to find multiple award seats to popular destinations anywhere near the peak season. Fortunately, members of American Airline’s AAdavantage frequent flyer program still have a reasonable chance of redeeming their miles for the flights they want. Via the Citi Platinum Select AAdvantage World MasterCard, American Airlines travelers can earn the miles they need to fulfill their award travel aspirations.

New Citi AAdvantage credit card applicants will earn 30,000 miles after making $750 worth of purchases within the first four months of opening an account. C

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Tags: Card Credit Card

Credit Card Charge-Offs: Can They Be Removed from Credit Reports?

Posted by: Lola Thornton  Posted date: January 24, 2012 in Credit Cards Articles
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In my last post regarding Charge-offs and Collections, I wrote about how a lot of consumers become confused when they pull their credit reports and find an overdue credit card account reporting twice.  The same debt can’t be listed on your credit reports twice, right?

Wrong.  In fact, most credit card accounts that have been charged off by the original creditor are not only reported as charge-offs, but they’re also reported as collections after they’re sold or transferred to a third-party collection agency.  It’s a double whammy to your credit scores and a very frustrating situation to find yourself in.

So, can you actually remove a charge off from your credit reports? And what if you pay off the collection?  Will the original charge-off then disappear?  What happens to the paid collection itself?

I can’t tell you how many times I’ve seen these questions in our Credit Talk Forum.  It frankly can b

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Tags: Credit Card Credit Reports Reports

Is Credit Card Frugality a Thing of the Past?

Posted by: Lola Thornton  Posted date: January 16, 2012 in Credit Cards Articles
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The recession seems to be taking a back seat as more people pull out their credit cards to pay for everyday items. According to The Christian Science Monitor, consumers racked up a total of $64 billion in credit card debt for the year 2011, and January 2012 has already seen an increase in credit card use.

January normally means a return to less spending, trimming your budget, and putting off big purchases, but more consumers are throwing caution to the wind when it comes to credit card spending. In fact, the payment processing company First Data reports that people are using their credit cards at rates not seen since the pre-recession era.

What has spurred this rise in credit card spending?

Banks have cancelled or severely cut back on their debit card rewards programs, and have even suffered a backlash when they instituted debit card fees.

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Tags: Card Credit Card

Where can I find business credit card offers?

Posted by: John Freycinet  Posted date: January 12, 2012 in Credit Card News
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Business and personal credit card offers are everywhere! Large envelopes fill your post box while electronic missives creep into your e-mail, despite your best efforts to filter your incoming messages. Every website you visit features pop-up offers for credit, insurance and other financial services.

Help is here! Use our credit card chaser tool and rise above the confusion!

Credit card offers are prominently featured on radio, television and in most every newspaper and magazine in general circulation. There are even credit card ads on billboards! Sorting through what amounts to literally hundreds of these credit opportunities can be a daunting, difficult, and confusing task.

Who else provides reliable information?

Financial magazines, such as Forbes, and Money Magazine, now affiliated with the CNN News Group, provide consumers with up-to-date information about a wide range of business services including credit cards.

Do all businesses use credit cards?

U.S.

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Tags: Card Offers Credit Card Credit Card Offers Offers

Capital One Platinum Prestige Credit Card Review

Posted by: Lola Thornton  Posted date: December 14, 2011 in Credit Cards Articles
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If you’re looking for a rewards credit card, you can stop reading now. The Capital One Platinum Prestige Card has several attractive benefits for cardholders, but a lucrative rewards program is certainly not one of them.

What this card offer does provide is low ongoing interest rates coupled with 0% introductory APRs on both purchases and balance transfers for 14 months. That makes it one of the best low interest credit cards on the market for people with good to excellent credit. 

  1. No annual fee
  2. 0% interest rate on purchases and balance transfers for 14 months
  3. Low ongoing interest rates of 10.9%, 14.9%, or 18.9% depending upon your credit level
  4. No foreign transaction fees
  5. MasterCard Platinum benefits include 24-hour travel and roadside assistance, extended warranties, travel insurance, and auto rental insurance

The absence of a rewards program makes this a less appealing card offer for consumers who never carry balances and only want a credit card to earn miles, cash back, or other rewards. If

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Tags: Card Credit Card Platinum Prestige