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Visa is one of the largest payment systems in the world which has more than 21 thousand financial institutions as its members. Visa card was first issued in 1958 by Bank of America and at present it is accepted in over 150 countries of the world. Be it a credit or a debit card, Visa is a reliable form of money and a guarantee of high quality service.
Our site presents Visa credit cards issued by the leading banks of the United States. We collected Visa cards for bad, fair and good credit score so that customers with any type of credit could choose a plastic for his/her needs. Every bank, issuing Visa cards, implies its terms and conditions according to its policy and the type of a card. As far as rewards and perks are concerned, they are included into Visa card features to the bank's discretion.
Secured and unsecured Visa cards are offered for poor credit while customers with good credit rating can take the advantage of selecting a Visa according to his needs and spending style.
You are welcome to check out the top Visa credit card applications at Credit-Land.com and choose the card to match your requirements.
Visa Credit Cards with Rewards |
Rewards cards find a ready market among customers with good and excellent credit. But there are also reward Visa cards for fair or limited credit – for example, Visa by Capital One providing cash back. As the competition of credit card companies grows, the latter offer newer and more generous rewards. Visa credit cards with rewarding programs include cards with points, cash back, rebates and other bonuses, such as gifts and gift certificates, free travel or movie tickets and many other perks. Whichever you choose, you will be rewarded for the money you spend with the card, but you should pay attention to the APR and the fees implied with the cards. A good credit card that really helps to save money has both low APR and rewards.
A rewarding program is determined by the purpose of the card, which can be regular or for some special sort of expenses, such as travel, gasoline, entertainment and many more. Some banks offer the choice of rewards sorted by categories, so several times a year the customer is free to decide for which kind of expenses he will be rewarded. You can look through the top rewards credit cards to get a better knowledge of the existing rewards programs.
Visa Credit Cards for Bad Credit |
People with limited credit history can choose Visa credit cards according to their score, but they should know that the fees and rates will be higher. Banks set higher charges for bad credit cards, as borrowers with bad (insufficient) credit are supposed to be of high repayment risk, so the charges cover this risk. You are welcome to look through the most popular bad credit cards at our site.
There are banks that issue no plastics for poor credit, while other credit card companies pay a special attention to borrowers with low score. First PREMIER and Millennium bank designed Visa credit card offers for this category of customers. These cards help people to increase their score, and later on Visa cards with rewards and low interest rate will be available for them.
People with no credit or those who went through bankruptcy can choose a secured Visa card (Millennium bank, First PREMIER bank). Unsecured Visa products are in greater variety (First PREMIER bank). All in all, whichever Visa card for bad credit you get, it will be widely accepted, it will give easy access to cash (the majority of ATM accept Visa) and you will get a great tool for managing and controlling your personal finance.
US Interest Rates Tripled
[04:34:03 AM Monday, October 06, 2008]
Though the Federal Reserve has lowered its Prime Rate, it doesn't seem to help in the environment of the American consumer debt peak and tightening credit. According to Consumer Records, debt has increased by 8% from the last year and reached a record height. Given that the banking industry has also incurred great mortgage losses, lenders are trying to compensate by toughening terms for all their customers, whether good or bad risk. They are doubling and even tripling interest rates on card products without a proper explanation of the reason. This is a bad business, but while customers cannot possibly negotiate a better rate, they still can opt out and apply for another plastic, previously comparing APRs on a number of deals.
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TransUnion Credit Bureau Settlement
[05:53:29 AM Monday, September 29, 2008]
As a result of the class action lawsuit against TransUnion, one of the national credit reporting agencies, it was settled that millions of its past and current customers are eligible for a range of free privileges, as well as possible compensation payouts. Qualifying customers are those who had a credit card, a car loan or a student loan at any time between 1987 and May 28, 2008. If you are holding an open credit line, which may include credit cards by Bank of America, Target and other retail store cards, mortgage and auto loans, you could also apply for part of the class action lawsuit settlement by registering at listclassaction.com until September 24, 2008.
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Balance Transfers Guide
[05:05:41 AM Monday, September 22, 2008]
A few years ago every second creditworthy person was offered an irresistible 0% APR balance transfer application. Approval promised great benefits, other than just saving on a higher interest debt payoff. Accompanying perks and enticing features such as no annual fees and rewards seduced a consumer into a spending catch. The opportunity to make free money out of the 0% balance transfer deal gave a great field of action to savvy cardholders and drew them into the arbitrage game. Thousands of dollars of net profit as a result of the arbitrage was really free and easy money as long as the basic card rules were followed.
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read about credit cards
Credit Card eZine |
Free Card Benefits
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Author: Tracy Barbour |
Post date: October 10, 2008 |
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There is a set of standard credit card benefits designed to entice more customers into a bank's business. More customers mean more collections in interest charges, annual and rewards membership fees and merchant fees. The bank' aim is to make you apply and to keep you loyal as long as possible. The issuer picks up customers with various payment records if they look promising in terms of revenues. To keep them using its services, it offers free of additional charge benefits, such as instant approval and sign-up bonuses, 0 rates on balance transfers, rewards and insurance programs.
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Immediate Credit Card Care Service |
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If you have a question about any product or product feature, or if you need free advice from a credit expert, use our Immediate Credit Card Care Service. Ask a question, or look through previously answered questions. Either way, we are happy to help you learn about the important facts concerning credit cards.
The latest question of Immediate Credit Card Care Service
the score 619 is bad or good credict
Answer:
Thank you for your question. Having FICO score of 0-619 implies your credit is bad (or you have no credit at all). After that comes fair credit. When your credit is bad, you can choose one of two following methods. First, we offer bad credit card applications. These are just standard credit cards for bad credit. Second, we also suggest you secured credit cards. In this case you will have to deposit a certain sum of money (which will actually be equal to your credit limit). In case of your failure with paying off the bills, this money will be used to cover your debts. To compare these offers please examine our bad credit card applications and secured credit card applications.
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Visa Business Credit Card
Business owners, be it a private entrepreneur or a small company owner, need to have a convenient tool to manage their business expenses. Visa credit card is a necessity for business, as it gives a number of advantages that exclude some financial troubles. With Visa business card you receive access to the needed amount of money any time. Plus, you can spend and receive rewards for things that are really important for your company – office supplies, computers and other office equipment, business travel rewards, meals on delivery etc. Besides, you can order additional cards for employees, which will help to control and keep in order their expenses. To see the variety of corporate cards you are welcome to business credit cards section of our site.
Visa business credit cards are issued by one of the major banks of the USA – Chase bank. Visa credit products for business presented at our site require good credit history, so if your credit report confirms the latter, you are welcome to make an online application for a card that meets you business needs.
Visa Student Credit Card
Students are a category of consumers in which the banks are utterly interested nowadays. A lot of alluring credit card offers are designed to attract students' attention. Credit card companies introduce Visa credit cards for students that have low APR and fees, and give a wide range of rewards including points, cash back and rebates for net shopping, gasoline, quick service restaurants, entertainment and many more. Thus, students can spend on what is really interesting for them and be rewarded for it. Plus, they are building their credit with convenience and fun.
Student credit cards require no more than bad credit history, so any young man studying at a college or university can choose a card for his individual lifestyle and spending habits. You can compare student credit cards in the corresponding section of our site.
With a student Visa you can start building a strong credit history, make everyday purchases at the grocery, book shops, clothing stores or use it for some other needs. Get your card with our student credit card applications!
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11 Click here to see credit card Terms and Conditions for actual Rate and Term Length information.