American Express Reward Shopping

American Express reward shopping has become popular in some quarters. What better combination to aspire to than the brand of American Express and the promise of free rewards for using their facilities! And American Express welcomes those that wish to spend using their card, and does so with handsome cashback and gift rewards.

This follows (or joins) a lengthy trend among credit card companies. Spend using their facilities and they will offer you a sweetener in the form of a cashback reward or further discount. American Express reward shopping has offered financial cashback and, traditionally and enticingly, air miles. Indeed, many people around the world have utilised the Air Mile program like some sort of elite badge of honour - as if they were part of an exclusive club.

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And, in retrospect, perhaps they were, and still are. Because institutions looking to reap the benefits of your financial share, will work hard to provide you with an incentive to, not only spend more and more, but to do so using their card. They will welcome you in to the "luxury" world of cashback and other incentives with offers that couldn't otherwise be found.

American Express Reward Shopping

Cashback rewards are not new. In the UK, credit institutions such as Barclaycard, Goldfish and Egg, have long offered something in return for your custom. Their seemingly already small margins have led, in some cases, to a reduction in their cashback reward scheme over time (Goldfish, for example, have cut their cashback rates by 50% and Barclaycard have abolished theirs altogether).

But American Express remain dominant worldwide in the cashback states, although their presences in the UK, for example, is somewhat limited. However, their scheme offers, not only cashback, but also other incentives including discounted air travel, hotel accommodation, car hire and ferry transfers.

The consumers do, of course, pay for all of these deals. Even American express reward shopping comes at a price - whether it be interest charges on the credit cards (for delayed or late payment) or the inflated buying patterns - perhaps cashback and reward-driven - of those using plastic instead of "hard cash".

Whatever the profile of the customer, companies know the appeal of cashback incentives and reward shopping and are only too quick to welcome us the world of membership rewards!

American Express Reward Shopping

Mark Clayson is a professional, home business entrepreneur, mentor and speaker. Visit Start Work at Home for more information on starting or developing a home business or his official site to find out more.

Rebuild Your Credit With Orchard Bank Credit Cards

Orchard Bank credit cards are the top credit card choice among individuals with poor or bad credit. Orchard Bank offers several different choices for people to choose to from, including secured and unsecured credit cards. This allows the individual to find the credit card offer that best meets their needs. To help simplify the application process, Orchard Bank provides a unique tool that allows applicant's to first enter their personal information. The tool then makes a specific credit card recommendation based on the applicant's information. Applicants can then choose exactly which card or cards best fits their needs and apply for each.

Applying for an Orchard Bank credit card has several benefits. Most importantly is that all of the credit cards offered will report to the major credit bureaus. With a good repayment history, responsible use and credit limit increases; this could raise your credit score. Orchard Bank reports to the major credit bureaus on their secured and unsecured credit card offers. All credit cards feature the MasterCard® logo which gives cardholders the convenience of being accepted at millions of locations worldwide. Plus, cardholders have 24-hour online account access and free bill pay. And you'll never have to pay for fraudulent charges made on your card.

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Cardholders receive interest rates on their credit cards from as low as 8.9% up to 18.9%. The interest rate a cardholder receives is dependent on the Orchard Bank credit card they receive and its applicable interest rate range. Annual fees range from

So if your credit needs some help, then do what millions of others have done and apply for a credit card from Orchard Bank that fits your needs. With several credit card offers and tools to help you find the right card, you're sure to start on the right path to rebuild your credit.

About Orchard Bank

All Orchard Bank credit cards are issued by HSBC Bank Nevada, N.A. Since its founding in 1865, HSBC has grown into one of the world's largest financial institutions with 9,500 offices in 79 countries and territories. HSBC have been placed among the elite companies of the Forbes Global 2000 and is one of the top ten financial service companies in the United States.

to with no monthly maintenance fees. Some cards do charge an account set-up fee or processing fee that ranges from to . When applying, be sure to view each credit card's terms and conditions to confirm the interest rate and fees associated with each card.

Rebuild Your Credit With Orchard Bank Credit Cards
Rebuild Your Credit With Orchard Bank Credit Cards

After using my first cash back credit card and earning a sizable cash back reward, I began searching out other reward credit cards. My curiosity lead to the development of a website that focuses on reward credit card offers and the many categories like: cash back credit cards, travel reward credit cards, airline credit card miles and more.

Truth About Paying Collection Accounts and Credit Score

There is one thing most bankrupt people have in common...collection accounts.

However, it's been my experience that most bankrupt people want to do the right thing and pay off the account(s). Sometimes it just takes a little time. And when you do the right thing, you expect the collection agency to do the right thing, too-don't you?

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Well, unfortunately, that's not always the case.

Truth About Paying Collection Accounts and Credit Score

Paying it Off Doesn't Improve Credit Score

Even after you pay it off in full, and your credit reports show that you've paid the collection in full and have a balance, it won't help your FICO credit scores.

Here's why...

Any appearance of a collection account on your personal credit reports lowers your credit scores. Once it finds its way onto your credit report, it's part of your credit history. Whether you pay it off or not is of little consequence.

Original Dollar Amount of Collection Account Doesn't Matter

Whether, the collection account is 0 for a severely overdue library book or ,000 for 50 overdue library books-the end result is the same-your credit scores can decrease by the same amount.

This is a critical point. Many people think that because the debt is small, it can't possibly hurt their credit scores.


Everyone knows that late payments on your mortgage or car loan, which can be hundreds or thousands of dollars, will damage your credit. However, if you let even a small amount go to a collection agency, and it appears on your credit reports, it can damage your credit just as much.

Bottom line: anything from a collection agency that appears on your credit reports is going to decrease your credit scores. So, become extremely vigilant in protecting your credit reports from this type of information appearing in the first place.

Check Personal Credit Reports for a Collection Account

It's a good idea to check your personal credit reports on a regular basis. When was the last time you checked yours? Now would be a good time. Go to and pay close attention to any negative items in the Public Records section.

Another option would be to subscribe to a credit monitoring service that allows you to monitor all activity on your three credit reports.

To Fight or Not to Fight...

If you want to win the credit scoring war, you have to know which battles to fight. The little battles over small dollar amounts are the ones you want to avoid. You're going to lose those...even if you're right. In my opinion, it's not worth the risk of lowering your FICO credit scores.

Here's an example of how a collection account can damage your credit. It comes from one of my readers in Marietta, Georgia.

She lived in an apartment with two other girls. They had all signed the lease. When they moved out, the apartment complex assessed them 0 in fees to cover damages to the apartment. Two of them sent in 0 each, but the third didn't bother.

When the apartment complex sent a letter to all three girls demanding the last 0, the girls ignored it.

You guessed it-it eventually showed up as a collection on all three of their credit reports. That collection, for only 0, lowered her Equifax score from a high of 720 to a low of 512!

This was years ago-and her score still hasn't fully recovered.

Wouldn't it have been worth it for them to swallow their pride and pay the last 0?

Other Items that Show Up in the Public Records Section

Other items that can show up in the Public Records section and are treated much like collection accounts by FICO scoring models are:

- Federal and state tax liens (released and not released)

- Judgments and satisfied judgments

- Bankruptcy

When any of these items show up on your credit reports, your FICO credit scores go down.

How much? There's no specific number, but your scores can easily go down by 100 points...or more.

Sure, if you pay off the collection it will show a balance on your credit report. The problem is-from a credit scoring standpoint your FICO credit scores will go south regardless if the public record item is paid or not.

So the moral of the story is-once a collection account appears on your personal credit reports, you can't resolve it by paying it off. You're better off paying what you owe before it gets sent to a collection agency and shows up on your credit reports.

Truth About Paying Collection Accounts and Credit Score

Stephen Snyder is the founder of the After Bankruptcy Foundation a non-profit organization that provides free bankruptcy information and recovery steps. Stephen also writes a free weekly newsletter on bankruptcy recovery.

Bad Credit Visa Cards - Ways to Get a Credit Card with Poor Credit

Getting approved for a Visa credit card with bad credit is tricky. On
one hand, there are lenders eager to help you rebuild credit or
establish credit. On the other hand, some lenders only approve applicants with
a solid credit history. If you have bad credit, a bad credit Visa card
is useful. Here are a few tips to help you get approved.

Benefit of Having a Credit Card


Credit cards serve a convenient purpose. If you are reserving airline
tickets, renting a car, etc, having access to a credit card makes the
transaction smoother. Furthermore, credit cards are great to have during
a crisis. Ironically, emergencies tend to occur when we are financially
strapped. When used responsibly, credit cards can provide an immediate
solution to money woes.

Bad Credit Visa Cards - Ways to Get a Credit Card with Poor Credit

Unfortunately, having no credit history may place you in the same class
as a person with bad credit. In both instances, lenders are unconvinced
of your credit worthiness. An applicant with no history could possibly
misuse credit, whereas a person with bad credit has a history of using
credit unwisely.

Nonetheless, there are ways to prove credit worthiness. If you have no
credit history, acquiring a credit card is the first step to
establishing credit. Moreover, if you have bad credit, obtaining a bad credit
Visa card is an ideal way to re-establish credit and boost credit score.

How to Get Approved for a Bad Credit Visa Card?

If you are having a difficult time getting approved for a Visa credit
card, consider applying for credit at a retail store. These credit
accounts are easier to obtain. Further, once you have been making regular
payments, it may become easier to get qualified for a major credit card.

Another option involves contacting your bank or credit union and
inquiring about bad credit Visa cards. Being a current customer may put you
at an advantage. If all else fails, attempt to get approved for a
secured credit card. This generally involves opening a savings account. In
this instance, the savings account serves as collateral.

If you have no credit history, it may help to ask a family member to be
a co-signer. Also, being added to another person's credit account is a
good way to establish credit. Fortunately, individuals with no credit
history can easily get approved for a bad credit Visa card.

Bad Credit Visa Cards - Ways to Get a Credit Card with Poor Credit

View our recommended sources for Bad Credit Credit Cards online.

Also check out our recommended lenders for cash advance loans online , or view our recommended low rate home equity line of credit lenders online.

Bad Credit Payday or Cash Advance Loans - No Credit Check Required

If you are in need of extra cash until pay day, you may want to consider applying for a pay day or check loan online. A pay day loan can be obtained online and with no credit check. Bad credit will not disqualify you from qualifying for a pay day loan. You can use the money for what ever purpose necessary and the money can often be deposited into your checking account the very same day you apply. All you need is a checking account, and a steady source of income and you can get up to 1000 dollars or more deposited directly into your checking account.

A pay day loan is designed to fulfill your short-term financial needs and should not be used as a regular lending source. The fees charged for pay day loans can be higher than a traditional loan from your bank and should only be used to solve temporary or emergency financial crises. Repeatedly obtaining pay day loans can cost you a lot of money if you extended your pay off date numerous times or if you continually borrow against your next pay check. If a short term pay day loan is the best choice for you, you can be approved and have up to 1000 dollars or more deposited into your checking account sometimes as soon as the very same day you apply.


Pay day loan interest rates vary from company to company. Some lenders offer discount rates for new or returning customers. After supplying the pay day loan company with the required information, usually your name, address, employment and banking information, you can be approved in as little as one hour and the funds can often be in your checking account the very same day. Occasionally you may be required to fax your last pay check stub and bank statement prior to approval, but the funds can still be deposited into your checking account very quickly.

Bad Credit Payday or Cash Advance Loans - No Credit Check Required

Bad credit should not stop you from applying for a pay day loan. There will be no credit check, only the verification of the information you supply. Pay day loan companies do not check your credit report or contact your employer, except as necessary to verify employment. Applying and getting approved is quick and convenient. Online lenders can approve you application quickly and you'll have the cash you need as soon as the very day you are approved.

To view our list of recommended online payday loan companies, visit this page: Recommended Payday Loan Companies Online.

Bad Credit Payday or Cash Advance Loans - No Credit Check Required

Carrie Reeder is the owner of ABC Loan Guide. ABC Loan guide is an informational website about various types of loans. The site has informative articles and the latest finance news.

A Credit Card For People With Bad Credit - $10,000 Guaranteed Starting Credit Line

The recent financial crunch has caused many would be credit issuers to tighten up on approvals for those consumer applicants with less than perfect credit. Even new credit seekers who do not have poor FICO scores, but also have not had the opportunity to establish a good credit profile as of yet are being turned away and treated as high risk applicants.

The problem for people who fall into either of these categories is that they have a legitimate need to either establish or re-establish their good credit profile and raise their FICO score, however without easy access to credit card approvals their ability to accomplish this necessary task is extremely difficult. Ironically, it's these same card issuers who would like their applicants to have established solid credit histories who will not approve them in the beginning to help them prove that they are worthy of a new card approval. This vicious credit circle affects over half of the households in American today.


A few companies have recently stepped in to fill the credit needs of this growing consumer segment and offer instant online approval credit cards for people with bad credit or no credit history at all. These credit providers will typically issue new credit cards without a credit check and regardless of the applicants past or present credit history. Some of these cards are issued as major brand logo credit cards, prepaid debit cards, secured credit cards and online catalog shopping cards which allow the card holder to purchase household and gift items from the credit grantors web based store.

A Credit Card For People With Bad Credit - ,000 Guaranteed Starting Credit Line

One such card offered with no credit check is a new Platinum Card that boasts a huge beginning limit of ,000 for all of its approved applicants, even those with poor credit or no history at all. As long as the applicant is at least 18 years of age and has a valid U.S. checking or savings account, the applicant will be approved. The Platinum Card also features 0 % interest on any unpaid balance and there is no employment verification required for approval. The card does require a minimal initial membership fee, however once the new member is approved, the card issues each user a whopping ,500 bonus to use towards unpaid balances in addition to the generous starting limit of ,000.

For consumers who are having trouble getting approved for a traditional credit card with strict income and employment requirements, this particular card for people with bad credit may be a valuable option to acquire a high limit credit card with no credit checks or employment verification.

A Credit Card For People With Bad Credit - ,000 Guaranteed Starting Credit Line

Christian T. Rogers has been working in and writing for the sub-prime financial market for the past 12 years. He has been featured in Entrepreneur Magazine and has been a consultant for Fortune 500 companies specializing in the sub-prime financial markets. You can find out more about the credit card profiled in this article at Credit Cards for Bad Credit

Advantages Of Having Credit Cards

Credit cards have many advantages if used judiciously. It fulfills all your needs. You can buy anything with the cards. Because of various benefits the card provides to the users, everyone from teenagers to retirees in the United States has credit cards.

Convenient to shop: Credit card is very much convenient to buy anything anywhere. If you are on a shopping spree and want to buy so many things at different shops in a market, credit card will be convenient enough for shopping. If it is on-line shopping then, credit is the best. Some online stores only accept credit cards for payments. If you are in foreign countries, you can make purchases with the credit card without having to worry about local currency.

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Meet emergent needs: In case of emergency, credit cards can be an extremely helpful. If you are short of funds and need money, the credit card will provide you the required amount. If you are away from your place or on a trip to some city and you have inadvertently emptied your pocket, there the credit card will act like a friend.

Advantages Of Having Credit Cards

Keep record of your expenditure: Your spending on the credit card will give a statement at the end of a month, stating the detail on your expenditures. You need not keep record daily to know about the spending. Credit cards can also keep you under limit in expenses as you cannot spend or borrow beyond the credit limit. It will remind you on spending.

It is secured to carry credit card: It is not secured to carry a large amount of cash. If you lose your cash, you cannot retrieve that. If you lose a credit card, you can immediately inform the card company to cancel the card. You can have another card in few days. If you are traveling, whether in the town or country or outside the US, it will be convenient to carry the card instead of cash.

Benefits: Credit card providers offer various lucrative offers like cash back on purchases, rebates on products you buy on the card, additional warranty coverage for the items you purchase, travel concessions, various insurance covers, etc. Some credit card offers free air tickets, free hotel accommodations to the card users.

Balance transfer: With the credit card, you can transfer your balance from a card with high interest rate to a card where the APR is 0%. There are many card companies who offer 0% APR for the starting six to 12 months. You can take the benefits of the promotional periods. You can save hundreds of dollars by balance transfer.

Can build good credit history: You can build a good credit rating if use credit card judiciously. If you have good credit rating that will help you later in your life. You can take loan easily. Financiers will believe you if your credit rating is good.

Improve the standard of life: Credit card can improve your daily life. Your life will be easy enough if you are using the card judiciously. What you have to give is the payment at the end of the month and not every day for every purchase.

However, if you misuse your credit card you may fall under the debt trap. Credit cards should be used properly and seriously.

There are hundreds of financial organizations in the United States providing credit cards. Some of the most famous among them are American Express Co., Chase Bank, Discover Financial Services, HSBC, and Citibank of America. They offer different types of credit cards for different categories of people. If you are a business person and want credit cards which can facilitate your various business transactions, go for a business credit card. Likewise, there are student credit card, entertainment card, store card, gas card, airlines card, etc.

Advantages Of Having Credit Cards is a free online credit cards review and application website. We offer credit cards selection from visa, master cards, bank of America, orchard bank, discover, American express, citicards, visa credit cards, and many others. We have quite some categories and hundreds of credit cards selection to fit your need. Compare credit cards at now.

Advantages and Disadvantages of Credit cards

Credit Card is an Automatic advanced card, when you used it, you can get the goods you bought without paying for it yet. Credit cards are a widely used source of convenient credit for restaurants, hotels, mail order, on-line shopping, gasoline stations, grocery stores, dental and medical care, church bazaars, as well as telephone and television advertised products. There are many advantages and disadvantages of using credit cards, but the consequences of misuse can be drastic and painful.


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Credit cards eliminate the need to carry large sums of cash

Advantages and Disadvantages of Credit cards

If you are away from home without cash, you often can receive a cash advance or have the option of buying traveler's checks with a credit card

Places that are suspicious of personal checks often take credit cards.

Credit cards act as a short-term loan if you find something that is a bargain and haven't the cash or balance in your checking account to pay for it.

If you move to a new place, credit cards give you purchasing power until you establish yourself as a good risk in a new community.

If you charge an item or service that costs or more in Colorado (or within 100 miles of your home) and later discover it doesn't work or has other problems, you can withhold payment from the credit card company if you have attempted to resolve the problem with the merchant.

You often get the best rates of exchange when traveling in foreign countries if you use your credit card for purchases and your ATM card to get cash. Check with your card issuers about surcharges before you leave on your trip. A two to three percent surcharge may eliminate this advantage.

Credit cards can help coordinate receipts for tax purposes.

Bookkeeping is reduced to one monthly bill as opposed to checks.


Some people have been swindled by giving their credit card numbers to dishonest salespeople over the phone.

It becomes a loan when the credit becomes due and you do not pay for it.

Adding monthly interest charges means you pay more for the goods and services.

Consumers often have more than one credit card and each one has a credit limit. When the credit limits for all cards are added up, the total can be in the thousands of dollars. Consumers can fall into the habit of using credit cards to extend their income.

Credit cards are easier to use than applying for loans even when a loan from a credit union, bank or other financial institution may provide the funds at a lower interest rate.

Advantages and Disadvantages of Credit cards

Analiza Paulino is an Internet Marketer who works from her Home office in Manila. Ms. Paulino designs and sells affiliate program and e-commerce software.

No Bank Account Credit Cards

Unfortunately, the options to get a new credit card are severely limited for people with less-than-desirable credit histories. The restrictions are so stern, in fact, that many consumers with bad credit are unable to buy simple consumer goods, or are slapped with very high interest rates.

There is good news, however, and it comes in the form of 'no bank account' credit cards. These cards allow people with low credit ratings and no bank accounts to enjoy the purchasing power of a credit card.


'No bank account' credit cards are usually pre-funded, meaning the cardholder 'reloads' it with money in order to use it. This arrangement is perfect for people who want to control their spending and limit themselves only to what they can afford. Most individuals recovering from bankruptcy use this type of card. It not only reestablishes credit history and demonstrates financial responsibility to creditors - it also affords users the convenience of a fully-functional credit card while living within their income.

No Bank Account Credit Cards

If you are thinking about getting a 'no bank account' credit card, do not hurry - you should first shop around for the best deals.

The best 'no bank account' cards offer the same benefits as a regular credit card, such as rewards programs and online access and management. The card should be accepted in millions of locations around the world, and have ATM access for easy cash withdrawals, and other such convenient features.

You should also find a credit card provider that does not ask for annual fees or transaction fees, and offers free customer support either via the telephone or online. Some companies even go so far as to provide 'wireless alerts' to 'no bank account' credit cardholders - such a service will enable you to easily keep an eye on your account via text messages (SMS). The added features will certainly help you budget your finances even more effectively.

No Bank Account Credit Cards

Bank Credit Cards provides detailed information on Bank Credit Cards, Bank Secured Credit Cards, Bank Student Credit Cards, No Bank Account Credit Cards and more. Bank Credit Cards is affiliated with Banking Services.

Store Credit Cards For Bad Credit

Store credit cards for bad credit can be a great way of rebuilding your score, or even building it for the first time. These kinds of cards are developed by individual retail stores and are available to use on all purchases at that store. These kinds of cards can come with many benefits, especially when it comes to improving your credit score.

The fact is that it is a lot easier to get approved for a retail card that it is for a traditional credit card, usually because the balance is low and there is therefore less of a risk for the lender. Most work in the same way as a traditional credit cards, but some can only be used in the individual store. The second type are offered to people with bad credit and while this may seem inconvenient, it can be a temporary solution while you try to your credit rating.

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Like any credit card, store credit cards will charge you interest when you miss your payments or don't pay off the full balance. However, you should try to make all payments on time due to the fact that interest rates can be high. Paying on time will also prove you can manage your payments and will improve your score quickly.

Store Credit Cards For Bad Credit

There are both disadvantages and benefits to store credit cards for bad credit. When you sign up, try to do so for a store you would shop at normally - but do not buy things you don't need simply because you have available credit. You may find that the card even comes with added benefits including discounts, rewards programs and specials offers. Your ultimate goal should always be, however, to make your payments on time and to build your score as soon as possible.

Store Credit Cards For Bad Credit

Find and compare the BEST bad credit store credit cards [] at the authors credit card website by clicking here [].