Credit cards are practically a must in today's electronic society.
You need one to rent a car or to make reservations at a hotel. If you
shop online, credit cards are the safest way to buy. And, they are ever
so convenient.
These plastic cards come in
a variety of shapes, sizes and colors, from a small rectangle that you
can dangle on your key chain to a personalized credit card with your
photo gracing the front. Credit cards also come in a variety of price
ranges - some with no annual fees, some with big annual fees - some
with fixed rates, others with variable rates.
Credit cards are a great financial
tool, offering many benefits:
They can be safer and more convenient to use and carry than cash
Credit cards offer the ability to buy goods and services now and
pay for them later
They have valuable consumer protections under the law
Major credit cards are accepted by merchants around the world
They may provide a source of cash or payment in an emergency
Credit cards can guarantee hotel or travel reservations
If you are not happy with a purchase you made using a credit card,
you may have the right to withhold payment until the problem is resolved.
To qualify for a credit card you must be at least 18 years old and
have a regular source of income. Despite invitations from credit card
issuers, you will still have to demonstrate that you are a good risk
before they grant you credit. The proof is in your credit report. Before
you submit a credit card application,
you may want to obtain a copy of your credit report to make sure it
is accurate.
Recommended:
Blue from American Express®
Rates
Fees
Intro Rate
APR
Cash Adv. Rate
Cash Adv. Fee
Late Fee
Annual Fee
-
as low as
10.24%
21.24%
3%
$15
$0
No Annual Fee
Low Balance Transfer APR — 2.99% for 12 months
Earn points that can be redeemed for gift cards, travel, merchandise, and unique entertainment experiences.
Membership Rewards Express® program
Express Approval. Get a decision in less than 60 seconds.
IberiaBank Visa® Platinum Card
Rates
Fees
Intro Rate
APR
Cash Adv. Rate
Cash Adv. Fee
Late Fee
Annual Fee
1.99%
(6 months)
8.25%-14.25%
13.75% -20.25%
5%
$15-$35*
$0
Variable Rate APR ranging from Prime + 5.00% thru Prime + 11.00%
Earn 1 bonus point for every $1 in qualifying net retail purchases
Turn your points into hotel, gift, or experience rewards
Travel accident coverage up to $1,000,000
No annual membership fee
Low Introductory APR on balance transfers for your first 6 billing cycles. Applies to balance transfers processed within three months of your account open date.
25 day grace period
Online access to credit card account information
*See website for complete terms and conditions of card usage and application disclosure.
Global Gold Card
Rates
Fees
Intro Rate
APR
Cash Adv. Rate
Cash Adv. Fee
Late Fee
Annual Fee
0%
(12 months)
7.9%
see terms
see terms
$10
see terms
Take this opportunity to treat yourself, or your family and friends, to something nice. We have issued thousands of customers just like you their very own $7,500 UNSECURED CREDIT LINE with 0% INTEREST for a Full 12 Months!
No Credit Checks
No Emplyment Verification
Bankruptcy? No Problem?
New Millennium Bank Secured Platinum Visa® or Mastercard®
Rates
Fees
Intro Rate
APR
Cash Adv. Rate
Cash Adv. Fee
Late Fee
Annual Fee
n/a
19.5%
19.5%
2%
$20
$59
New Millennium Bank has guaranteed your credit approval for up to $10,000** (with both cards) in secured credit with no credit check!
