Low Interest Credit Cards

Discover cardmembers hit it big this shopping season. Starting November 15, you can earn Double Cashback Bonus of 2% on up to $1,000 in holiday purchases on any online shopping until December 31. And because as a Discover Cardmember you are always earning Cashback Bonus on every purchase you make, you still automatically earn up to 1% Cashback Bonus once you reach the said $1,000 spending limit. If you have a Discover Card, you can also earn a 5% Cashback Bonus in rotating categories throughout the year; Increase Cashback Bonus at “ShopDiscover”, where you can earn 5%-20% Cashback Bonus on purchases; and take advantage of Expanded Redemption Options, which now include more ways for you to redeem your Cashback Bonus, including the ability to redeem for brand-name merchandise.

When one is applying for a credit card or a loan, what do lenders and credit card company first look on? Of course they check on your income but that is not where their investigation starts.  One’s credit history is what they check first. One’s credit history is the deciding factor whether a person is creditworthy or not. If you have a poor credit rating or history then you may likely be declined of your application? A poor credit history results from unpaid bills or regular late payments. People who never had a credit record will also have difficulty getting a credit card or a loan for the first time.

This could be frustrating to people who fall on these categories for the ownership of a credit card is now deemed to be a necessity by the majority. But this too would not mean that they can never have their powerful plastic. Credit cards especially designed for people with poor or no credit history can now see the light. Ther

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Verdict: Though it’s not at the top of its class, the Alaska Airlines Visa Business Card is still a good choice for the business owner who travels often. And the good news is that these owners don’t have to settle for traveling to Alaska. Business owners can redeem their mileage points for travel on both Alaska Airlines and Horizon Airlines. All told, owners can redeem their miles for flights to 700 destinations.

Overview: Like most airline cards, the Alaska Airlines Visa Business Card allows cardholders to rack up miles at two different rates: Cardholders will earn them faster when they use their cards to charge purchases made with Alaska Airlines. They’ll earn them at a slower pace for all other charges.

How This Card Works: This business card allows cardholders to earn points that they can redeem, after racking up 7,500 of them, into free flights. Cardh

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Trying to pinch a few pennies this holiday season? Chase wants to help with its “Ultimate Rewards” rewards program! Through the program, Chase is kicking off its annual holiday promotion to give you rewards and outstanding value. As a “Chase Freedom,” “Chase Sapphire” or “Ink from Chase” cardmember with Ultimate Rewards, you can now start taking advantage of merchandise redemption discounts, opportunities to earn bonus points, and a Best Buy gift card bonus offer. These include the “Give a Gift, Get a Free Gift Card,” giving you a free Best Buy gift card as a bonus – a $10 gift card for 5,000 points or a $25 gift card for 10,000 points from November 14 through December 20 when you participate in Ultimate Rewards and redeem 5,000 points or more in a single transaction.

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Q: Why would my credit card APR increase? Should I just close the account?

A: Any financial decision, whether it is closing a credit card account or something else, is and should be a personal one. Only you know your financial situation inside and out; therefore, you are the only one really qualified to make such a decision.

However, when it comes to closing out a credit card, for any reason, including an increase in your annual percentage rate (APR), you should know that doing so may affect your credit score. This can occur for at least two reasons, and there may be more.

1. Your credit score is based in part on your credit age; that is, how long you have had certain accounts. If you have several older accounts, your credit score can actually be higher than if you have several newer (recently opened) accounts. So, if you’ve had your credit card for many years, you might want to take this into consideration, as closing the account may cause your score to drop.

2. Y

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