Low Interest Credit Cards

Citibank is introducing the Citi ThankYou Premier Card with a large signup bonus upfront: 20,000 ThankYou points after you spend $1,000 within the first 3 months. That’s enough points to redeem for $200 in gift cards or other rewards.

In addition, some of the card’s other benefits include:

• No foreign exchange fees
• Earn points for the miles you fly when you purchase a ticket with your Citi ThankYou Premier Card.
• Earn an anniversary bonus based on the number of points earned from purchases every year. The longer you remain a cardholder, the larger your bonus percentage will be.
• Receive a complimentary domestic companion ticket each year

The Premier Card does carry a $125 annual fee which is waived for the first year.

Q: How long should I wait in between opening new credit cards? I don’t want to hurt my credit.

A: You should be conservative in the number of times you open a new credit card account for a number of reasons. To begin with, each time you do so it shows up on your credit history as a new, open account. Even if you never use the card you have just recently applied and been approved for, it is still going to show up this way.

Also, applying for and opening new credit accounts do not make your credit history look better. In fact, it may have little, if any, positive impact on your FICO score, and may even serve to lower it, for the same reason mentioned above. If creditors feel that you have too many open accounts, this may affect their decision in extending you more credit or raising a line of credit amount.

Applying for and opening new credit card accounts is not a way to make you look less like someone just building a credit history. A

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Now you can save even more money through SmartyPig online social banking with the brand new “SmartyPig Cash Rewards Prepaid MasterCard.” On top of charging no monthly maintenance, customer service or reload fees, the “SmartyPig Cash Rewards Prepaid MasterCard” lets you earn up to 10% cash back at more than 9,000 select U.S. retailers. Once you open your SmartyPig online savings account, you have the option to load funds anytime through your online account onto a prepaid MasterCard for use anywhere Debit MasterCard is accepted. The new Card also provides cash-back savings on everyday purchases and urges you to invite your family and friends to contribute to your account via social networks. Save on!

Q: How can I earn the most cash back with my Blue Cash from American Express card? How much do I have to spend, and what should I buy in order to earn these rewards?

A: The Blue Cash credit card from American Express is just one of those offered by the company that provides cash back rewards. It is possible to earn as much as 5% cash back on purchases that you make every day; it doesn’t have to be just special or one-time purchases. Every day purchases include motor vehicle fuel, groceries, and items bought from drugstores.

This doesn’t mean you can’t earn cash back rewards on other purchases. They can get you as much as 1.25% cash back.

You’re not limited as to how many cash reward points you can earn. The more you spend, the more your cash back rewards will be.

If you want to earn cash back quicker, spend more than $6,500 on your Blue Cash card. This wi

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Visa has introduced its “Borderlinx” and “SkyBOX” online shopping services in markets around the world so everyone can enjoy shopping at thousands of online merchants from the U.S. and the U.K. Making it easier for you to shop on the internet these holidays, “Borderlinx” and “SkyBOX” eCommerce shopping gives you a personalized U.S. shipping address to which retailers can mail purchased items, and then arranges for delivery to your home country. Visa cardholders in Australia, Bahrain, Canada, China, Kuwait, New Zealand, Oman, Qatar, Russia, Saudi Arabia and UAE can now register with “Borderlinx” (www.borderlinx.visa.com) for free and is offering a 10% savings for Visa cardholders in select countries during promotion periods. Meanwhile, “SkyBOX” is offering a $10 discount on their first shipment on top of free registration. Check out www.borderlinx.visa.com and www.skybox.net/visa, for country-specific offers.

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