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Pay off credit card debt – After you pay off credit card debt

January 21, 2017 by  
Filed under Credit Card

Credit card debt is a very big problem that is being faced by a lot of people who have been irresponsible and undisciplined in the use of their credit card. Though some might have landed up with credit card debt due to some unfortunate event/emergency in their life, most people carry a credit card debt due to their own wrong doings (i.e. wrong usage of their credit card debt). There are a lot of ways to pay off credit card debt and a lot of people do achieve this feat (i.e. are able to pay off credit card debt). Surely, to be able to pay off credit card debt is really a great achievement in itself for not everyone is able to pay off credit card debt. It takes a lot of discipline, restraint, planning and perseverance to finally pay off credit card debt. However, there is more to paying off credit card debt then just being able to pay off credit card debt.

Here we are talking about the life after you pay off credit card debt successfully. As mentioned before, of all the people that try to pay off credit card debt not everyone is able to pay off credit card debt i.e. there are some failures too. However, some people fail after they have succeeded in paying off credit card debt. These are those people who let themselves loose and go on a spending spree as soon as they pay off credit card debt. Soon, these people again land up with a credit card debt and are again trying to pay off credit card debt.

So, it’s not enough to just pay off credit card debt, it’s equally important to maintain a debt-free status even after you pay off credit card debt; only then can you enjoy a stress-free life in the world of credit cards. So learn your lessons well and do not let yourself loose on the path to another credit card debt. Most of the rules that you followed when you were trying to pay off credit card debt, will also hold good after you have paid off your credit card debt. Here is a quick synopsis of things that you should take care of even after you pay off credit card debt:

1) Do not overspend. Yielding to the sale offers for something that you don’t really need, is a big mistake that leads to overspending
2) Always remain within 70% of your credit limit.
3) Make credit card bill payments in time and in full.
4) Don’t hold more than 2 credit card accounts (two are enough for anyone)

These are just very basic things; you can add more based on your own experience and knowledge.

Estate Planning Sun City Az – Wills & Trusts

October 20, 2016 by  
Filed under Credit Card

Business owners, entrepreneurs and executives each need sound legal strategies to protect their assets and plan for their family’s future.

Every client is unique and their legal documents should reflect their individual needs. Yet each has the same ultimate goal – to develop the best possible plan for protecting their family today and in the future. At Wills & Trusts in Phoenix & the West Valley, we provide estate planning sun city az and a custom product for each and every client, tailoring our services to fit our clients’ unique personal and business situations.

The attorneys within Wills & Trusts in Phoenix & the West Valley practice are seasoned professionals with proven legal skills, complemented by their business and financial backgrounds. Our attorneys have a wealth of experience and a diversity of backgrounds to draw upon, including roles within international accounting firms, federal tax courts, universities and Fortune 100 companies. As a team, we have the ability to structure and implement a variety of wealth formation and protection transactions and devices, as well as to effectively facilitate dispute resolution.

Wills & Trusts attorneys are experienced in a wide variety of estate planning and probate matters including:

Asset Protection and Wealth Preservation
Business Entity Formation
Business Succession Planning
Charitable Organizations
Employee Benefit Planning and Design
ERISA Reporting and Compliance
Federal Tax Controversies

International Trusts
Pre and Post Marital Planning
Probate and Probate Litigation
Taxation (Individuals and Businesses)
Wills (Simple and Complex Estates)

Our attorneys counsel and appear in court on behalf of an array of clients, from high wealth, multi-generational families to individual entrepreneurs. We are experienced in guiding clients throughout the entire wealth continuum, from the “shoestring” start-up and organization phase through significant wealth creating exit strategies. Wills & Trusts works with clients to proactively identify potential areas of risk or controversy, and to develop the most effective solutions for addressing their individual circumstances and reaching their goal.

When many Americans hear the term “estate planning,” they tend to think of it as something for the very rich – essentially a strategy to avoid taxation on their piles of money and to ensure that their heirs receive their inheritances in full. In reality, this couldn’t be further from the truth. Estate planning has grown to encompass far more than asset distribution and tax avoidance, making it an important part of retirement planning for everyone.
It’s about more than estate taxes

Estate tax is a tax charged against the estate of a person who has passed away and inheritance tax is a tax charged against the person inheriting something from a person who has passed away.

As of Jan. 1, 2015, there is no federal inheritance tax and the current federal estate tax scheme applies only to estates valued at more than $5.43 million. Given these standards, The Joint Committee on Taxation estimates that only 0.2% of estates are currently potentially subject to the federal estate tax – so most Americans don’t need to worry about that.
But beware your state tax code

The federal government is not the only taxing authority that wants a piece of the pie, however – many states impose taxes on estates and inheritances (click here for information about your state’s policies).
It’s about more than money

Just because you are not Bill Gates doesn’t mean that you can’t benefit from estate planning. One of the primary purposes of estate planning is to outline what will happen if you become disabled. Is it important to you to select the people who will make decisions for you if you are not able to make your own decisions? Would you like to be able to give some direction to those people about what decisions they can and should make for you? Or how they should spend your money for you? If you answered yes to any of those questions, then estate planning is important for you. Notice that this aspect of estate planning has nothing to do with tax codes or account balances.

Similarly, for many with even a modest estate, providing asset protection for their loved ones is a compelling reason to engage in estate planning. Did you know that it is possible to leave your inheritance to your loved ones in such a way so that:

Their creditors, including lawsuit judgment creditors, cannot access the inheritance?
Divorcing spouses cannot take half of your loved one’s inheritance?
Your loved one would not be required to spend their inheritance to nearly zero before qualifying for government benefits in the event of their own disability?
If your spouse gets re-married, the new spouse won’t be able to disinherit your children?

Would any of those be of interest to you? If you answered yes, then once again, estate planning is important for you.

Now that you know why estate planning is for everyone, not just the rich, how do you go about beginning the process? The first step is to begin considering your options. Then, you’ll work with an attorney who will help you finalize your plan. Once your plan is in place and you have a team on your side who can work with you to update it as needed, you can breathe much easier knowing that you, your assets and your loved ones are better protected.

Hardwood & Decks Solidwood Flooring

May 30, 2013 by  
Filed under Credit Card

Solidwood floors supported by Annarbor-Flooringamerica, respond to Premium classification level of international standards of the National Wood Flooring Association (NWFA), not accepting knots, ensuring the classification of wood in terms of their tone, respecting the naturalness of each species, Call Now 734-619-0573.

Solid wood products allow you to enjoy a natural wood floor in one piece, dried, stabilized with the latest technology, to ensure maximum sealing thereof.

Solidwood Hardwood Floors multilayer

Prefinished floors are designed multilayer Solidwood industrially for greater dimensional stability and structural thereof, giving a greater range of installation solutions.

These flats have a solid layer of 3.2 mm thickness on a substrate base glued frame laterally hardwoods.

Species: Cumaru, Jatoba, Lapacho / Ipe, SUCUPIRA

Solidwood  Hardwood Floors Premium

The Premium Prefinished solid floor, from natural forests with sustainable management certification are processed with the latest technology, providing a product of international excellence, giving prestige and exclusivity to the environments where it is installed. Prefinished quality Solidwood allows you to enjoy the sophistication of wood through the years, due to its high hardness and abrasion resistance, with its 9 layers based gloss aluminum oxide.

Premium Solidwood line features solid and engineered flooring, prefinished all offering the best benefits of installation and low maintenance.

Species: Cumaru, Jatoba, Lapacho / Ipe, SUCUPIRA

Decks Solidwood

Invisible junction system: without holes or visible screws.
Wood species our Solidwood Decks, are particularly suitable for external use and weatherproof. The industrial process used for decks annarbor-flooringamerica, gives a perfect product, highlighting the natural look of wood.

Installation System
Wood has gently rounded edges and moldings machined female-female, use special high strength Plastic Staples, avoiding damage to the surface of the tables, and ensuring the same space between all tables. The screws are hidden making installation neat and aesthetics, faster and at a lower final cost.
Using a metal profile frame, ensuring the stability and durability of the same.

For more information visit Annarbor-Flooringamerica space in our product catalog going directly to Call Now 734-619-0573 .

Personal Loans – Loans For People With Bad Credit

July 6, 2012 by  
Filed under Credit Card

Do you have a bad credit score? It is extremely challenging for people with bad credit accounts to obtain a private mortgage. You will definitely locate that anytime you use for a mortgage, your application is declined. This is primarily since monetary organizations are able to not trust you on paying back the credit. For this explanation, a great deal of people are facing economic issues and also have little to do to address their complications. However, you are able to currently receive Online Loans help by visiting

Payday mortgages are mortgages implied for individuals with unsatisfactory credit scores. If you could not access personal credits, you presently have a reason to smile. You are able to have financial help by applying for Personal Loans today. These credits are much better than personal credits. They are simple to use. It would definitely take you reduced than 5 minutes to obtain a payday loan. The process is simplified by the fact that you are administering online. The other advantage is that you may have the credit within a hr after sending your application.

The best point with these Loans For People With Bad Credit is that you don’t want a credit score to apply. In reality, they are indicated to serve those with an inexpensive credit score. The other point is that you do not require security to use for a payday credit. Isn’t this the most reliable package for anybody in a monetary issue? You can obtain a payday loan to pay any kind of kind of costs. In situation of any type of urgent expense, settle it by using for a payday credit.

You may get these mortgages simply by exploring for the best credit lenders. You may also pay a visit to to administer for a payday credit.

Payday mortgages are credits meant for people with poor credit scores. You can easily have economic assistance by administering for a payday mortgage today. These credits are more desirable than personal credits. You are able to have these credits effortlessly by exploring for the greatest loan creditors.

Mandrien Consulting Group Is Centered On The Customer

July 2, 2012 by  
Filed under Credit Card

The Mandrien Consulting Group performs faithfully on countless factors pertaining to company, as well as the corporation understands the significance of company critical preparation. This variety of organization preparation is an essential element of any provider and also is a long-standing task for business. This procedure is made use of to support with organization and also preparation in the industry by means of an advancement of the business’ durabilities as well as improvement of its limitations as well as downsides. Throughout the company strategic process, the company discovers that it is rearranging, if needed, assisting them with satisfying the fluctuating needs of the marketplace. While markets alter, businesses must adapt as well.

Organizing strategically is an operation that needs an exam of companies and their strengths in addition to failings, as well as an evaluation of the progression of their source venture by reaching an appropriate center ground to stabilize the weak points as well as durabilities and also turn any weaknesses of the business in to customers that the marketplace offers. In addition, companies use company critical preparation to lower the limiting impact of its undoings by the dangers. Therefore, the company has to establish a technique that aids with dealing with every weakness and assists them establish how to defend each drawback from mistreatment by sector opponents so that it profits the business.

The Mandrien Consulting Team deals with several organizations, and also they comprehend just how weak points and strengths are figured out as well as exactly how they alter the market place share of businesses. An essential durability a business has is the thorough position the company absorbs the market place in comparison to added opponents, especially competitors that are a direct intimidation for the firm. If the business is remarkably solid proportional to its opponents, and then it may be in a well-to-do condition if it continues to be alert as well as takes total benefit of its strengths. To achieve thorough power over the market place, every one of the company elements, solutions and/or items have to be regulated sufficiently adequate to attain and preserve results.

A provider can have various durable points. For instance, a business’s durabilities could well contain simple and easy accessibility to assorted innovations, exceptionally increased high quality, devoted as well as professional employee who perform to accomplish the exact same goals the corporation has etc.

Another durability companies may have is a sound amount and also delivery system. Such durable suits would certainly be incredibly useful to an organization just while the toughness can be transformed into noticeable forces in the sector, the end-point conclusions of the advertising and marketing, which is just what amount of market proportion? That’s why, market shares seem useful means to evaluate business’ strong suits in the market.

The Mandrien Consulting Group takes pride in their advancement technical team of professionals, assisting firms with strategic company and also assisting companies remain effective in an altering markets.

It is furthermore essential to take notice that if power does not deliver a substantial consequence within the market, then that particular strength could become unnecessary. As an example, this example would resemble having a top-notch paintbrush that a performer can not make use of on the surface wherein he or she needs to with the reason of earning the painting contest. This power would not have any sort of weight in the particular circumstance.

The following important element of business strategic planning, where a person might like to consider, is an examination of opponents in the market.

For example, if a provider desires to manufacture an item, the company should do an evaluation. Consult these questions. Just how a great deal far better is the provider than its rivals and also their items; taking into consideration particular items or simply one created good? This assessment is vital to learn if a company can truly be better than its sector opponents can. Hence, allow the company to get the best market share, which, in series, will certainly add to the company’s absolute authority within the marketplace. One of the strategies of recognizing the variety in the durabilities of the company, in its ending sort, is to work out market share percentages amid corporation market shares and also that of opponents.

This instance was the identical method taken by The Mandrien Consulting Group. Within their collection analysis, they utilize comparative market share as the piece. Increased ratios are a sign of elevated toughness in connection to opposition and lowered amounts revealing reduced variations. Mandrien proposes that companies should certainly focus on the company spots exposing additionally more powerful indications than that of competitions, therefore long as there is furthermore good expansion option for it within the market. Most designs, despite the method they apply, delivering us to this verdict, which is functional. In the end, who would like to throw away resources in areas where the company can not make high-quality products or where there is no apparent progression capability?

A crucial inquiry to ask oneself is, “Could the current marketplace share, which is prone to the loyalty of individuals, that’s why anticipated to change, be utilized as a suited examination for forthcoming estimations?

A substitute tactic would be to check out the product significances as the conclusions. These kinds of significances, or shall probably we point out, values, are future-focused since the future money movements are figured in to the judgments. They are also undoubtedly in addition strong since they imply the concoction of the intangible as well as the concrete influences of the provider, the brand manager. Such relevances are identified in a very systematic way and distinguished the views of versed people likened to market share, which could be dependent on errors coming from assorted sales archives. Market share correctness could additionally be dependent on precisely how it is worked out. For time, functionalities or numbers, communications or guaranteed market sales influence market share proportions.

When brand name worth is applied as the action, the portions of the label well worth of the provider along with that of challengers in the market and also exactly what competitions would certainly be the check-up (step) instead than a comparison market share. Greater percentages would and then be an indicator that the company, presently as well as in the forthcoming days or years, is furthermore lifted in comparison with competitions. Since insubstantial steps such as consumer devotions and trustworthiness that stands for the force of brand’s associations with its consumers are additionally included in the most effective methods, the effect of customizing client steadfastness may be reduced.

An overall need would definitely be that an exceptional as well as comparable strategy ought to be put on figure the comparison product significances. Any kind of worths calculated by varied methods could not be executed. An added essential examination might be that a company gathers trustworthy info worrying its opponents through market check-up as well as research. Having said that, this facet is a need in any sort of corporate critical organizing or procedure as well as is not exceptional simply to this strategy, significance, research pertaining to adversaries in the market is a little something every business ought to think about in every organizing program.

Despite if the product values are incorporated into the commercial critical preparation that carries out ratios comparative to competitions, it is crucial that such worths as such should be thought of for strategic organization explanations too.

Numerous companies currently use supervising and also analysis of label. Nevertheless, it shows up to have proceeded to be a brand-controlling horizontal.

They have actually to be generalized within label worths, and their application has to be increased for calculated planning causes. For this reason and also some other causes, it is significant to recommend that brand name elements for identifying worth have to disclose some averages on an adequate procedure for gauging label importance.

Comparison brand importances as well as overall brand name worths are able to be used effectively in success as well. Combined with the marketplace and also book values within certain markets, a link or comparison of brand name well worth with that of challengers’ label truly worth, can give a future positioning to the evaluation for accomplishment sources. Seeing that effective labels have actually lifted development possibilities, the operation of brand worths while assessing the forthcoming chances of a company could show incredibly useful. The Mandrien Consulting Team understands the significance of business development and also company. The corporation operates hard to assist business with corporate critical organizing; consequently, assisting companies stay in earning positions as well as altering while markets change, accomplishing results.

Mandrien U Tube

July 2, 2012 by  
Filed under Credit Card

Mandrien Consulting Group wanted to create a fun to start with blog entry concerning a fascinating technology that is taking the globe by storm, as well as is coming to be one of the fastest expanding sciences.

While nanotechnology may still be advancing over many years, the perks of enhanced power effectiveness, cleaner surroundings, more desirable medical treatment, and upgraded fabrication development are a couple of the benefits that are presently on the limit as well as approaching quickly. It has the capacity to influence businesses on every degree, as well as those of us right here at Mandrien Consulting Group love to be on the leading edge.

One of the most essential uses of nanotechnology is in the arena of medicine. Mandrien Consulting Team analysis shows that by including nanotech in investigation including vaccines, wound recovery and other skin-related requirements, clearing blocked arteries, and also doing maintenance on the nanoscale has actually been really thrilling in recent years, and guarantees to carry many wonderful points to the table as new investigations are embarked on.

Nanomachines, or nanobots, can easily be smaller than a cell and may be supplied by pulmonic and epidermic means, which minimizes the requirement for harmful and intrusive surgical treatments. Many surgical procedures include accessing the body through the mid-sections, or in some other ways that present difficulties in lesion healing because those elements of the body are under continual worry, or due to the fact that bones have required to be cut to enable connect to. An instance would be wanting to access the mind by cutting with the head, but nanomachines could well be programmed to go where they were wanted irrespective of just how they entered the body, and no surgical procedure might essentially must be included.

Via Mandrien Consulting Group philanthropic ventures Mandrien has learned that nanotechnology has the possible to enable recovering for disorders that some other types of modern-day medication are not able to treat due to the fact that the hazards are expensive. A person with significantly deteriorated wellness could be judged as unexpected to survive the surgery they require to take out an arterial block that will certainly conserve their life, but nanomachines might rise straight to the area and begin their job of clean-up and removing with no invasion.

In a similar method, nanotechnology has actually been at the forefront of cancer study, due to its capacity to target cells exactly therefore that cancer cells might be targeted without harmful healthy and balanced cells, as well as nanobots are equipped of encompassing a mass like a tumor and functioning to ruin the growth without using surgery. This refrains from the customer the adverse effects of chemotherapy, radiation, and also the troubles involved in removing all of a cyst with just one surgery.

We here at Mandrien Consulting Team are incredibly motivated relating to brand-new medical developments on the perspective. Nanotech has the ability to improve the lives of everyone. Like you, Mandrien Consulting Group is composed of people with loved ones, as well as we desire the most reliable for them.

Frequently hailed as the following technological transformation, nanotechnology is limited just by our creative imaginations: it has applications in engineering, physics, chemistry, biology, arithmetic, and desktop computer scientific discipline.

Mandrien Consulting Group expects you’ve delighted in discovering a little regarding these splendid developments and regarding the area of nanotechnology.

Understands the Importance of Organization and Market – Mandrien Consulting Group

July 2, 2012 by  
Filed under Credit Card

Mandrien Consulting Group show up today that it will action cardinal operational, conformity, as well as technology preparation speaking to casework to financial investment cyberbanking as well as journey standard business intricate in the appellation as well as mortgage industries. Mandrien Consulting Team’s alms will certainly be marketed place from capitalists who charge able admonition on assorted company models in an industry location technological innovation, outsourcing, and also automatic are proper to advance earnings. Mandrien has currently reputable itself consulting with anon with providers in the appellation and also home mortgage field, and may right now expand its casework to provided cyberbanking casework providers.

Mandrien Consulting Group’s organized alms features the following:

Flat volume appraisement styles for admonition to journey general and also investment cyberbanking business;

Customized cardinal planning reproach apropos technological innovation, contracting out, as well as the use of hands free operation in change to advance scalability through factual adjustment or re-engineering;

Progress ecology and improvement application 6 Sigma strategy; as well as

The implementation of professional, high-performance crews to advance market ideal methods as well as abutment the fertilization of a sound basement for brand-new endeavors.

“Endeavor general as well as investment cyberbanking business yearn for done accumulated primary organizing as well as bedrock solid modern technology achievement mechanisms,” an agent for Mandrien Consulting Group explained. “Without the reproach of industry insiders, they are able to not advance ROI in the method critical to sustain an increasing company. Our well-rounded potential of the business and achieved consulting success position us to completely to coach those gaining access to the appellation and home loan sectors as well as to bear above quantity of acknowledgment for those gluttonous reproach on these subjects, which lie at the amount of our bookish resources.”

Relating to Mandrien Consulting Group”

Mandrien Consulting Team provides results-driven civic appellation allowance licensing solutions, action advancement consulting, plan marketing, acquiescence acquirements tools, and accumulated cardinal preparation for the outright acreage as well as cyberbanking casework industry. Mandrien delivers unrivaled used and also abstruse acquaintance in the appellation allowance field. Just recently Mandrien appear the aboriginal anytime public adviser to appellation allowance licensure.

When choosing a credit card, the interest rate should be the first thing to consider.

December 26, 2009 by  
Filed under Credit Card

Low interest rates only mean one thing: more savings! The bigger the balance of the account, the bigger sum of money will be saved. As more money gets saved, more money gets stored and more interests will roll in the bank account.

Other credit cards companies have reasonable interest rates and offers more like giving the percentage of money back. The more money spent on credit, more money will be returned to the card’s user. Most credit cards use 5% on special purchases and 1% on regular purchases.

Some banks give “Reward Points.” These “Reward Points” accumulate as the credit card is used and it may be exchanged for certain items catalogued by the bank. Points may be exchanged for microwaves, cell phones, televisions and the like. This is yet another great feature to be considered when looking for a card.

A number of major banks offer low interest rates. A few major banks would be: Citibank, American express and JP Morgan Chase. These banks are known to give 0% introductory APR (Annual Percentage Rate) for 12 months. Most of these cards offer no annual rates.

Here are some credit cards with low interest rates:

Citi Dividend Platinum Select Card (Citibank):
-it features 0% APR (Annual Percentage Rate) for 12 months
-it rewards the user. The more this card is used, the bigger the rewards.
-earn 5% return from expenses in supermarkets, drug stores and gas stations.
-earn 1% return from other expenses.

Citi Premier Pass Card (Citibank):
-0% introductory APR.
-get points by flying. Every mile gets you a point.

American Express Blue Card (American Express):
-3.99% fixed interest rate.
-0% introductory APR for 15 months.

Chase Cash Plus Visa (JP Morgan Chase):
-0% interest rate for 12 months.
-has other cash back promos.

Chase Flexible Rewards Platinum Visa Card (JP Morgan Chase):
-0% introductory APR for 12 months.
-a dollar spent equals a point.
-no annual fee.

Pulaski Bank Visa Master Card:
-0% on balance transfers for 5 months
-6.99% fixed rate
-$35 annual fee

Discover Card:
-0% APR for the first 10 months.
-$0 annual fee.
-9.99% fixed interest rate.

These cards have the lowest interest rates in the credit card market today. These cards do not only offer low rates, but they also give certain rewards for the frequent users of the card.


Southwest Airlines Rapid Rewards Visa Card.

December 23, 2009 by  
Filed under Credit Card

Southwest Airlines, one of the biggest international airlines, goes hand-in-hand with Chase, a big credit card company, to produce: Southwest Airlines Rapid Rewards Visa Card.

Southwest Airlines is known for their Rapid Rewards. Unlike most airline companies, count the roundtrips made and not the miles of every trip. Only eight roundtrips are required to be able to avail of rewards. This concept was combined with their credit cards so that the people may enjoy their services more.

Chase Credit Cards operates under Bank One and First USA brands and offers cards that are flexible, trusted and superb customer service.

Southwest Airlines together with Chase, produced two types of credit cards: Southwest Airlines Rapid Rewards Visa Signature Card and Southwest Airlines Rapid Rewards Visa Business Card.

Southwest Airlines Rapid Rewards Visa Business Card:

This is the card recommended for small businesses. It is ideal, because it can separate the personal expenses from the expenses of the business. Every time this card is used, the user has a chance to win a roundtrip Award.

Reward Dollars may be earned in all purchases.

-two Reward Dollars may be earned by spending $1 on Southwest Airlines.
-one Reward Dollar may be earned by spending $1 on all other types of purchases.

This will also entitle the applicant to an internet account that may be used to maintain and organize the expenses of the business. With the online help, quarterly reviews may be seen and reports may be downloaded by the card holder.

This card also gives up to a $100,000 limit even for small businesses. Grace periods are offered for easier pay.

This card also boasts low annual fee. It only has an annual fee of $59 dollars and is relatively less than other companies that go from $60 – $100.

Rewards are easily earned, because a reward may already be cashed in when the expenses reach $19,200. That is pretty low, compared to the $25,000 minimum of other card companies.

Additional cards do not have a fee, but a minimum amount is needed for it to be availed.

Southwest Airlines Rapid Rewards Visa Signature Card:

The Southwest Airlines Rapid Rewards Visa Signature Card offers all the Visa Business Card offers and more.

It does not have a credit limit. Also, it does not have a limit when accumulating Award points by using the card.

It offers zero liability on unauthorized purchases. In addition to that, it has purchase security, travel and emergency assistance and other offers from Visa.

Additional Benefits:

Get four (4) bonus credit cards upon purchase.



December 20, 2009 by  
Filed under Credit Card

Today, most parents contend that it is okay to let college students obtain their very own credit card. Not only because they want to let their kids manage their finances alone but also because having credit cards or a credit history for that matter is extremely important.

With the advent of credit cards, most people would always be looking into someone’s credit history before they can approve anything.

They even insist that without a credit history, people tend to become a total outcast in the society, someone who is not worthy to enjoy anything and everything without a credit history. That is why most college students would struggle just to get one.

But what makes the student credit card different from the other credit card? Why is it that it is highly classified as “student credit card,” and not just any credit cards for that matter?

Basically, student credit cards do not make such big difference as compared to the other types of credit cards. However, because it is a student credit card, the benefits stated therein are completely focused on providing the student’s their basic needs.

Moreover, student credit cards are entitled to lower interest rates especially for students who have good grades. They can negotiate their interest rates for a lower rate provided that they pay their balance dues on time and that they maintain good grades.

On the other hand, student’s credit cards are actually secured credit cards. But the difference that sets the students credit card apart from the other credit cards is that their parents can set the credit limit.

Also, parents can let their child’s credit card to hook up with them so that they can keep track on their child’s credit transactions.

Another thing that sets the student cards apart from the other credit cards is that the student credit cards are mainly focused on and quoted for students only considering the fact that they have limited credit history.

Normally, student credit cards have no annual fees and have credit limits that are only set to $500. And according to some surveys of financial institutions, the average student credit card annual percentage rate is 17.66% for purchases and 19.67% for cash advances.

So, even if student credit cards are different from the other credit cards because of its considerable interest rates, it is still a credit card. Thus, students must really be responsible in handling them; otherwise, they are bound to suffer bad credit history in the end.

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