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  • Credit Card Research | Studies, Guides, Reviews - Credit-Land.com
    2012 Hurricane Sandy left devastation in her wake This infographic traces the path of the storm the damages and the donations by big banks stacked up against what they earned last quarter Continue reading The Dos and Don ts of Credit Card Debt By Michael Germanovsky Posted November 1 2012 The economy might be on the mend but many Americans are still knee deep in debt from the effects of the recession Credit card debt is one of the biggest problems for households struggling to get back on their feet financially Here s an overview of how credit card debt is affecting the average Continue reading Stop Paying Interest on Debt with a Balance Transfer Credit Card in Three Steps By Elizabeth Nelson Posted October 25 2012 If you re struggling to pay off credit card debt transferring the balance on your high interest credit card to a new zero interest or low interest credit card is one of the smartest financial moves you can make Transferring your credit card balance with a balance transfer offer could have you debt free Continue reading More Infographics Guides Common Credit Score Myths Are You Falling for Them By Michael Germanovsky Posted October 16 2012 Having a strong credit score is more important than ever in a weak economy and people are eager to improve their score any way they can just be careful whose advice you listen to because falling for these common credit score myths can actually hurt your credit score Continue reading Balance Transfers Made Simple By Elizabeth Nelson Posted October 9 2012 Transferring an outstanding credit card balance to a new lower rate card is a great way to save money but how exactly does it work If you are thinking of transferring a balance and have questions this guide will take you through the process and tell you everything you need to know about doing a balance Continue reading Capital One Spark Attention with Cute Commercials Does the Spark Business Card Measure Up By Michael Germanovsky Posted September 11 2012 Capital One Spark Business Card commercials are funny but is that all there is to them Are the cards as great as the commercials say they are or is it a case of all show and no substance Continue reading More Guides Studies Up Up and Away Flying Free With Frequent Flyer Rewards Credit Cards By Elizabeth Nelson Posted September 25 2012 With so many different frequent flyer rewards credit cards out there it seems there are even more rules about how and when you can earn and redeem the miles or points they offer and what s the difference between a mile and a point anyway Credit Land com gives you a key to the frequent flyer map and Continue reading 2012 Best Payment Method Study for Back to School Shopping By Elizabeth Nelson Posted July 26 2012 Many people don t realize that simply using the right credit card can save them a lot of money

    Original URL path: http://www.credit-land.com/research/ (2016-04-25)
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  • The Citi® Diamond Preferred® Card – For People Who Prefer No Interest
    your creditworthiness Balance transfer fee 3 of each balance transfer 5 minimum Transaction fee on foreign purchases 3 of each purchase transaction in US dollars Cash Advance Fee 5 of each cash advance 10 minimum Annual Fee 0 THE PERKS This card is on the simple side it doesn t offer a rewards program but a VIP Treatment The Citi Diamond Preferred Card gives access to travel protection and purchase protection benefits gives convenience of automatic account alerts and round the clock customer service Other card s benefits include Unlimited 24 7 access to personal concierge service that will provide card holders with help booking hotels and flights making restaurant reservations and other great services Exclusive access to concert tickets and presale event tickets Special access to VIP package preferred seating and exclusive live entertainment through Citi Private Pass Trip cancellation insurance on tickets purchases with Citi card Zero liability for fraud identity theft and unauthorized purchases THE DOWNSIDE Like many cards that offer a long introductory period on purchases and balance transfers Citi Diamond Preferred Card has a slightly higher APR than average depending on your credit history 12 24 22 24 Variable However there is an easy solution to this If you pay off your balance in full every month after the promotional period is over you ll never pay interest Easier said than done perhaps but it s always best to stay on a budget and not spend more than you can afford in any case For that first 21 months decide what your goal is are you going to transfer a balance and try to get the whole thing paid off before the promotional zero percent offer ends Or are you going to make some purchases that you need time to pay off In either case write out a budget and decide how much you ll pay each month When 21 months are over you ll want to have your balance down to zero so you re not charged any interest As with any card always make sure you make your minimum payment on time This is particularly important with a zero interest promotional offer because if you pay late your zero percent rate will end and the ongoing APR will go into effect So make sure you know your payment due date and pay in time Setting up automatic payments is a great way to make sure you don t lose your zero percent rate PRIZE FOR MOST POPULAR Expert Rating Credit Land com experts evaluate each card using several criteria e g interest rates fees benefits and features rewards programs and customer service in order to help you choose a card that s right for you This rating reflects our experts opinions beliefs and experiences with credit card products This rating is not influenced by payment considerations Citi Diamond Preferred Card is one of the most popular cards around so that must tell you something People like it maybe for the low interest maybe

    Original URL path: http://www.credit-land.com/research/reviews/citibank/the-citi-diamond-preferred-card-for-people-who-prefer-no-interest-1608.html (2016-04-25)
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  • Discover Cards: breaking through zero APR and cash back rewards program
    0 overlimit fee Credit Level Recommended Excellent Ongoing APR 11 24 23 24 Variable Annual Fee 0 Late Payment Fee See terms Overlimit Fee See terms GENEROUS REWARDS Discover allows earning 5 cash back in special purchase categories like gas restaurants and home improvement stores The categories change four times a year every quarter and you will need to sign up each time a new category starts Every category has a maximum of cash back you can earn All other purchases will bring you 1 Cash Back without limits and expirations Also all earned cash back will be doubled at the end of the first year provided you are a new Discover cardmemeber JAN MAR 16 Gas Ground Transportation APR JUN 16 Restaurants Movies JUL SEP 16 Home Improvement Amazon com OCT DEC 16 Amazon com More Rack up more cash back by shopping at more than 200 online retailers like BestBuy com Macy s and Kmart through Discover Deals Here you can earn from 5 and up to 25 cash back on purchases Earn up to 25 Cashback Bonus on major brands ENJOY REWARDS Earned cash back can be redeemed at Amazon com iTunes and many others just choose to pay with your credit card rewards at checkout one cash back dollar will be equal to one U S dollar Increase your credit card rewards when you redeem them for gift cards You will be able to choose between more than 150 top brands gift cards And if you prefer cold hard cash you can redeem your rewards for cash and get them with a direct deposit to your account or as a statement credit REDEEM REWARDS AT BRANDS FOR GIFT CARDS FOR CASH DISCOVER BENEFITS Discover gathered all benefits consumers would like to see on their credit card and packed their Discover cards with them TRAVEL BENEFITS Travelers can forget about foreign transaction fees when they travel abroad Discover does not charge them Do not buy that pricy rental car insurance from car rental company Discover will cover you if your rental car is damaged in a collision Just call the emergency travel assistance when you are away from your home and need some help SHOPPING BENEFITS Frugal shoppers will find purchase protection and price protection included in their card These two benefits guarantee the coverage of stolen or damaged purchases And if you see your just purchased device at a lower price Discover can cover the difference FREE FICO CREDIT SCORE Those are the common benefits The most remarkable and attention worthy service offered by Discover cards is a free FICO credit score added into the monthly statements Now you will be at the helm of your credit and can avoid surprises You can make fast actions and correct your credit behaviour if you see your score going downward If your credit score is stable or goes upwards stick to your current credit management CONSIDERATIONS Discover cards are as alike as two drops of water but they

    Original URL path: http://www.credit-land.com/research/reviews/discover/discover-it-breaking-through-zero-apr-and-cash-back-rewards-program-1792.html (2016-04-25)
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  • Kohl’s Credit Card Review
    ongoing discounts may be enough to peak your interest but what about the benefits for loyal customers that spend thousands in the store Sure you ll receive six additional discount coupons for the year once they reach 600 in purchases but there are scores of credit cards that will actually reward you for your spending in the form of cash gift cards statement credits or other valuable perks Excessive Purchase APR As expected with retail cards the APR on the Kohl s charge card is a whopping 24 24 percent so it s imperative to pay your balance in full each month to derive any benefits from the card To illustrate my point let s say you make 500 in purchases on the card Assuming you only make the minimum payment of 25 it will take you 26 months to pay off the card Plus you ll end up forking over close to 150 in interest Penalty APR If you don t pay your bill on time brace yourself for a 37 late fee and penalty APR of 27 24 percent Once your payment is more than 60 days late you ll be stuck with that exorbitant APR until you close the account And in the event the payment is returned to you for any reason be prepared to pay an additional 37 We re not surprised by the late fee but the permanent penalty APR of almost 30 percent is absurd So let s say you forget to make a late payment and enter the incorrect account details That s going to cost you 74 on top of the actual amount you were attempted to remit And if you forget two months in a row add another 37 making to the total 111 in fees alone Limited Use If the sky high APR lack of rewards and restrictions on discounts aren t enough to make you think twice the limited use of the Kohl s charge card definitely will As we mentioned earlier it is a store branded card that can only be used online and at Kohl s retail locations The Final Verdict If you already do a lot of shopping at Kohl s and are looking for additional ways to save on your purchases the Kohl s charge may be ideal But be sure to keep the balances low or the funds expended on interest may outweigh the cost savings Or you can apply for the card solely for the discounts and tuck it away in your safe or wallet since you ll still receive the coupons whether you use the card or not On the other hand if you aren t a frequent shopper of Kohl s it may be best to look elsewhere as this charge card won t be of any real benefit to you As with any store branded card it may be worth a shot if you have less than perfect credit as the qualification criteria are low Reasoning since they sometimes

    Original URL path: http://www.credit-land.com/research/reviews/other/kohls-credit-card-3221.html (2016-04-25)
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  • Discover it® for Students – Good Grades Rewards
    of intro APR on purchases Discover will also forgive you for being late with your first credit card payment but if you continue being late be sure you will be charged a penalty fee Credit level recommended Fair Ongoing APR 13 24 22 24 Variable Annual Fee 0 Late Payment Fee See terms Overlimit Fee See terms Foreign Transaction Fee See terms Generous rewards The Discover it for Students has pretty simple rewards program you will earn 1 cash back every time you use your card Want more cash back Then you will literally have to do some homework because Discover will reward you for good grades 20 cash back each school year your GPA is 3 0 or higher during first five years of card membership Still not enough cash back Then enroll in 5 cash back rotating categories each time a category change Want even more cash back Then it is right time to go online Visit Discover Deals to earn up to 25 cash back at such online retailers like Apple Store Macy s and BestBuy com Enjoy rewards Now you ve earned enough cash back and want to redeem it The easiest and the fastest way is to redeem at Amazon com iTunes Facebook and more You will be able to pay for your purchases with cash back at checkout If you want cold cash you can have your cash back deposited to the bank account of your choice One more way is to use your cash back to credit your Discover card account And of course you can redeem your cash back towards Discover gift cards or partner gift cards Discover benefits Discover is one of those credit card issuers who are loyal to their consumers To support their consumers Discover offers the whole bunch of benefits The most welcomed amid them for students will be a free FICO credit score Discover will give you your FICO credit score for free on your monthly statements When you are a student and just starting your credit history it is important to monitor your credit score That will help you understand how these or those credit decisions affect your credit score This knowledge will help you make right financial decisions and avoid potential mistakes in the future Considerations What is a good student credit card Is it a card without an annual fee a card with low APR or a card with rewards program Discover says the best student credit card is the one which combines all these features and even more To prove that they offer the Discover it for Students credit card where all above features neatly combined with such benefits like no APR increase for paying late free FICO credit score and 0 fraud liability Discover knows how to treat students and does it generously Credit Land com experts evaluate each card using several criteria e g interest rates fees benefits and features rewards programs and customer service in order to help you choose

    Original URL path: http://www.credit-land.com/research/reviews/discover/discover-it-for-students-1822.html (2016-04-25)
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  • Barclaycard Rewards at No Annual Fee
    level recommended Fair Ongoing APR 25 24 Variable Annual Fee 0 Activation Fee See terms EARNING REWARDS Every dollar you spend on gas groceries and utilities will bring you 2x points However you won t earn double points when you shop at Target and Walmart only one point per dollar spent And you will receive 1x point per dollar spent on all other purchases There are no rotating categories and you won t need to sign up to earn double points There is no limit to the points you can earn Point rewards will accrue as long as you use your account REDEEMING REWARDS Cardmembers can redeem earned points for cash deposited to the checking or savings account credit statement and gift cards To use earned points you need to log in to your account at BarclaycardUS com There is no fee for redeeming points and you can use all your available points when redeem BENEFITS Barclaycard is one of the first started providing FICO Scores to its cardmembers With Barclaycard you get free access to the same credit score used by banks and lenders Ability to view your score means you can monitor the changes and see what you should do to keep your credit score going up If your credit score has changed Barclaycard even send you an email to alarm you Since it is a MasterCard credit card you may want to rub up the benefits for MasterCard credit cardholders Extended warranty price protection and identity theft protection are some of the benefits you can access as MasterCard cardholder SPECIAL OFFERS Of course the main feature of this card is the ability to earn points paying no annual fee Not every credit card for fair credit can boast it This card will also allow you to transfer your balance without a zero interest introductory period though CONSIDERATIONS If you are looking for credit improvement at no additional cost the Barclaycard Rewards MasterCard gives you this Free access to your FICO score will allow you to understand what financial moves may cause score s drop downs and what will bring you to the heights of perfect score The card is also great for freebies chasers because every dollar spent earns point rewards redeemable for cash or merchandise Whatever angle you look at it this Barclaycard is worth being called the best credit card Barclaycard Rewards MasterCard Credit Land com experts evaluate each card using several criteria e g interest rates fees benefits and features rewards programs and customer service in order to help you choose a card that s right for you This rating reflects our experts opinions beliefs and experiences with credit card products This rating is not influenced by payment considerations Share it Tweet Add to Favorites Email you Get the latest news articles and expert advice delivered to your inbox It s FREE Enter your e mail address to subscribe to the latest CreditLand news articles and expert advice for FREE CreditLand will never share

    Original URL path: http://www.credit-land.com/research/reviews/barclaycard/barclaycard-rewards-mastercard-1817.html (2016-04-25)
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  • Capital One® VentureOne® Rewards Credit Card | Capital One®
    a one time bonus of 20 000 miles once you spend 1 000 on purchases within the first 3 months equal to 200 in travel Earn unlimited 1 25 miles per dollar on every purchase every day and pay no annual fee Fly any airline stay at any hotel anytime Enjoy a low intro APR on purchases until April 2017 12 24 22 24 variable APR after that Travel when you want with no blackout dates No foreign transaction fees Miles don t expire and there s no limit to how many you can earn Rewards Program Miles Rewards MILES REWARDS You will receive miles as a reward for making a purchase with your card Miles can be redeemed for airline tickets and other travel spendings cash back or other things specified in program Rewards Type Earn miles on purchases charged to the card Miles Max Rewards Per 1 The maximum amount of points miles or cash back you can earn per dollar spent 1 25 Miles per dollar on every purchase every day Enjoy a one time bonus of 20 000 miles once you spend 1 000 on purchases within the first 3 months equal to 200 in travel Earn unlimited 1 25 miles per dollar on every purchase every day and pay no annual fee Miles don t expire and there s no limit to how many you can earn Show rewards program details Hide rewards program details Interest Rates Fees Everyday Purchases Introductory APR The interest charged on purchases for a short period of time introductory period 0 intro on purchases until April 2017 Ongoing APR The interest rate charged on purchases when account is established or after introductory period is over 12 24 22 24 Variable Penalty APR The interest rate charged when you miss payments do not make payments at all or pay less than minimum See Terms Minimum Grace Period The period of time during which you can pay off the card balance without paying the interest 25 days Minimum Interest Charge The minimum amount charged by a lender if you are charged interest See terms More details Less details Balance Transfer Introductory APR The interest rate charged on transferred unpaid debt for a short period of time introductory period N A Ongoing APR The interest rate charged on transferred unpaid debt when account is established or after introductory period is over 12 24 22 24 Variable Balance Transfer Fee A fee which may be charged for transferring an outstanding balance to your new credit card 0 Penalty APR The interest rate may be charged when you miss a payment exceed available credit limit or pay less than minimum See Terms Minimum Grace Period The balance transfers do not usually have a grace interest free period 0 days More details Less details Cash Advance Ongoing APR The non introductory interest rate charged for cash advances when account is established 23 24 Variable Cash Advance Fee A one time service charge on cash advance made

    Original URL path: http://www.credit-land.com/details/capital-one-ventureone-rewards-credit-card.php (2016-04-25)
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  • Citi® Diamond Preferred® Card | Citibank
    Fees Everyday Purchases Introductory APR The interest charged on purchases for a short period of time introductory period 0 21 months Ongoing APR The interest rate charged on purchases when account is established or after introductory period is over 12 24 22 24 Variable Penalty APR The interest rate charged when you miss payments do not make payments at all or pay less than minimum 29 99 Minimum Grace Period The period of time during which you can pay off the card balance without paying the interest See terms Minimum Interest Charge The minimum amount charged by a lender if you are charged interest See terms More details Less details Balance Transfer Introductory APR The interest rate charged on transferred unpaid debt for a short period of time introductory period 0 21 months Ongoing APR The interest rate charged on transferred unpaid debt when account is established or after introductory period is over 12 24 22 24 Variable Balance Transfer Fee A fee which may be charged for transferring an outstanding balance to your new credit card 3 of each balance transfer 5 minimum Penalty APR The interest rate may be charged when you miss a payment exceed available credit limit or pay less than minimum 29 99 Minimum Grace Period The balance transfers do not usually have a grace interest free period See terms More details Less details Cash Advance Ongoing APR The non introductory interest rate charged for cash advances when account is established 25 49 Cash Advance Fee A one time service charge on cash advance made through ATM a teller or an access check 5 of each cash advance 10 minimum Penalty APR The interest rate charged when you miss payments do not make payments at all or pay less than minimum 29 99 Minimum Grace Period The cash advances do not usually have an interest free period and the interest starts accruing the day you make cash advance See terms More details Less details Other Fees Application Processing Fee A fee which may be charged upfront when you apply for a credit or a debit card See terms Annual Fee A fee charged annually for use of a credit card 0 Late Payment Fee A fee which is charged when you miss a payment or your payment is received after the due date See terms More details Less details CreditLand Expert Review Our Expert s Valuation Credit Land com experts thoroughly analyzed the credit card and defined its main pros and cons 0 intro APR on purchases and balance transfers Get protected with Citi Identity Theft Solutions Free access to FICO Scores Balance transfer fee is 3 of each balance transfer See Full Experts Review about this Card Expert s Ratings Credit Land com experts evaluate each card using five criteria in order to help you choose the best card Overall Credit Land com experts evaluate each card using several criteria e g interest rates fees benefits and features rewards programs and customer service in

    Original URL path: http://www.credit-land.com/details/citi-diamond-preferred-card.php (2016-04-25)
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