New credit card rules have been long awaited and anticipated by all credit card holders who have been ripped off by credit card companies left and right. There is a well known fact that besides the outrageous percentage rates, banks make their largest profit on late and overdraft fees. For example, in year 2007 the […]
Gift credit cards are good when you run out of gift ideas, and they are definitely better than just giving an envelope with cash or a personal check. You can personalize most visa gift cards with the recipient name and a simple message on the card, put it into a fancy gift box, and a […]
Reloadable credit cards can be a very good and convenient tool you can use for different purposes at a time when you can’t get access to regular visa or mastercard credit cards. We all are going through tough times in our life. Sometimes we have to start from scratch and that is where the visa […]
How Your Balance Is Calculated
Another important thing to keep in mind is the way banks calculate your balance on the card. There are several computational methods, and banks usually use those that are not in the debtor’s favor.
Here are the most popular ones:
Average Daily Balances Including New Transactions
Using this method, banks add up your balance […]
How do I calculate apr rates on credit cards? Well … It depends on what your intention is. You might want to try using one of the calculators on the web, or even this one on creditcardswise.com. However, I would recommend reading this article to the end, getting to know simple principles behind the credit […]
Philips 66 credit card is only one name for the several credit cards branded for the Phillips and Conoco companies, underwritten by Citibank. Among those cards are the Phillips 66® - Conoco® - 76™ Personal Credit Card, the 76™ Personal Card, the Phillips 66-Conoco-76 Commercial Card, and the Phillips 66®-Conoco®-76™ MasterCard.
All of the cards provide […]
The other day my wife and I were invited to attend a home presentation of a very remarkable machine. It was a vacuum machine, but boy, it could do anything except cooking!
We spent a great chunk of our time watching all of the machine’s features, which were very sophisticated, and listening to a very long […]
American express rewards program is probably one of the most popular programs with comprehensive coverage, which includes almost everything in the area of travel, entertainment, and shopping.
The program is based on bonus points where you can earn cash back rewards for every dollar you spend. You can redeem your express rewards program bonus points many […]
Prepaid gas cards have become more and more desirable ever since gasoline prices started going up, and the end of this hike is not visible. There are several types of prepaid cards related to fuel purchases.
I would say there are four major types: prepaid rechargeable gas cards, gas gift cards, regular gas credit cards, and […]
Discover gift card is a prepaid store value card that can be used the same as any other credit card, anywhere Discover cards are accepted. The card works just like any other prepaid credit card for purchases from merchants either online, at stores, or by phone.
You can often hear me criticizing card issuers’ products; however, […]
