The festive spirit is high among the people when Christmas is round the corner. Everyone wants to celebrate their Christmas in a luxurious manner as this is the time when people plan a vacation to spend time with their friends and family, decorate their house in a colorful manner or to buy expensive gifts for their near and dear ones.

In all this hush-posh, ones budget increases like anything and chances are there that one can get trap in the vicious circle of “CREDIT”. As now-days credit cards are widely used, there are chances for one to get into a trap as most of us don’t search deep enough what the credit card company is actually offering. There are many loop holes which one does not realise before using it. With all the attractive offers been told in the beginning does not come out true as there are various terms and conditions applicable on it.

In the beginning one just take a breath of relief that one does not have to pay the entire amount in just one go as the option of installment is there, but then the biggest headache of “INTEREST” moves all around.

Market is flooded with numerous attractive offers. So one should be careful enough while selecting a credit card for oneself. If you want to use a credit card and still do not want to go in credit the best option is to go by Prepaid Credit Cards as these credit card allows one to shop till there is balance in your card and this is the best way to remain in your budget and there is no interest been charged as the amount is directly deducted from your credit card account which saves a lot of money and it is easy to use and safer than carrying cash and these are reloadable also.

The other option one can choose is one can opt a Gift Credit Card as these credit cards are perfect for presenting as a gift as it is easy to use and safer than carrying cash and it comes in various denominations. Else one can go by Low Interest Credit Cards as these are the normal credit cards but they charge low interest rates (APR-Annual Percentage Rate). But it is always recommended to read the fine prints before buying a credit card and choose a card accordingly and enjoy the festive spirit of CHRISTMAS.
Merry Christmas to All…….

American Express Will Launch a New Prepaid Travel Card
A new Prepaid Travel Credit Card is said to be launched by American Express in the month of November.
This American Express prepaid travel card allows one to enjoy some special extra benefits and features then a normal prepaid card.
One can enjoy some of the following features such as

1) The card is available for conversion to USD, EUR and GBP
2) It offers secure exchange rate system
3) Online Accessible
4) 24/7 customer support service
5) Pay bills online
6) Shop Online
7) Globally accepted
Lost or stolen card reporting
9) Helps to maintains ones budget (as it is a prepaid card, one can shop till there is a balance on the card)
10) Reloadable
11) Legal or medical emergency referrals etc.
The official authorities of American Express have said that this new Prepaid Travel Credit Card would prove to be one of the best cards as it comes with lack of inactivity fees and no fund expiry periods and these features will help the customers a lot.

Special Features

• No credit check required
• Ideal as gift for any occasion
• Accessible online
• Pay bills online
• Shop Online
• Perfect for any occasion
• Safer than cash
• Accepted at David Jones stores throughout Australia
• Allows recipients to choose exactly what they really want
• Issued by David Jones
• Card Network is American Express Card
• Fees Info
• No interest charged
• No annual fee
• Card Issuance fee $6.95 each
• Comes in denominations from $5 to $1,000

FAQ’s
How can one purchase David Jones card?

One can purchase this card by filling an online application form available at www.davidjones.com.au or it can be applied over phone also for which one has to dial 1300 301 906 or it can be purchased from the bank’s local branch.
Can I make purchases online with David Jones Gift Credit card?

Yes, you can easily make purchases online with this card but you should remember that you can shop till there is balance in the card so you should always know the balance before purchasing anything.

Can one use David Jones gift card at limited stores only?

David Jones Gift card is accepted at David Jones stores accepted.

Can I use David Jones Gift Debit Card to get cash from the ATM’s?

No, you cannot use David Jones Gift card to get cash from ATM’s.

Is there an annual fee charged for David Jones Amex Gift Card?

No, annual fee is applicable for David Jones Amex Gift Card.
What will happen if I spend all the money from David Jones Amex Prepaid Gift Card?

If you spend all the money from your David Jones prepaid card, then this card will no longer be accepted as a valid form of payment.

My Tags: David Jones Gift Card, David Jones Amex Prepaid Gift Card, David Jones Amex Gift Card, David Jones Gift Debit Card, David Jones Gift Credit card, David Jones card

Features

1. Contributions made to the Club by MBNA Europe Bank Limited
2. Paperless Statements
3. Fraud Protection
4. Online Accessible
5. Pay Bills Online
6. Shop Online
7. Global Acceptance
8. 24/7 customer support service
9. Lost or stolen card reporting

Issued by : MBNA Europe Bank Limited
Card Network:  Master Card
Fees

• 0% of annual interest rate for 12 months for Balance Transfer made within 90 days of account opening (3% handling fee)
• 0% of annual interest rate applicable o card purchases from the date of account opening
• Standard Annual Interest Rate applicable is 16.9% (variable)
• Up to 50 days of interest free to repay back the balances of purchases
• No Annual Fees

FAQ’s
Does credit limit increase automatically of Rangers Credit Card?
Generally it is believed that the credit account of a card holder is reviewed occasionally (six months) by the Bank and if Bank founds out that everything is well in place that is if the card holder is paying back his balances of Purchases in full and on time then the Bank increases the credit line. For more details visit their website that is www.rangers.co.uk or call 0800 062 062 the customer care centre for more help.
Can bills be paid online through Rangers Low Rate Card?
Yes, bills can be paid online through Rangers card.
What would you need to have for applying Rangers Master card?
One should be a permanent UK resident and should need to have a social security number, a valid address, age minimum of 18 years and for more details one can check the fine prints of the card or can call the customer care centre at 0800 062 062.
How can I purchase Rangers No Annual Fee Card?
You can easily purchase Rangers Card by filling an application form which is available either online at its website that is www.rangers.co.uk or it can be applied by phone by calling at 0800 062 062
How do I report a problem of my Rangers Card?
If you are having any problem with Rangers Card than one can call the customer support service at 0800 062 062, where the customer care executive will provide you with a solution and help you provide the desired information. The MBNA Europe Bank Limited customer support service is fast and friendly and it works 24-hours a day.
Where can I use Rangers credit card?
You can use Rangers Card at millions of locations where Master Card Acceptance is displayed.

Features & Benefits

• 1.75 Points for every dollar spent with Q Rewards
• International travel insurance
• Purchase Cover Insurance
• $1,000 daily cash advance limit through ATMs
• Accessible Online
• Purchase online
• Pay bills online
• Lost or stolen card reporting

24/7 customer support service
Issued : by Bank of Queensland

Fees

1. Annual Interest Rate for Purchases is 20.24%
2. Annual Interest Rate for Cash Advances is 20.74%
3. Up to 55 Days of interest Free to repay back the balances of Purchases
4. Annual Fee is $120

FAQ’s
How does one apply for BOQ Credit Card?

To apply for BOQ Card is an easy process. It can be easily applied by going to the bank’s branch directly else one can fill the application form online at www.boq.com.au or one can even apply by phone by making a call at 1300 55 72 72.

Who is eligible to apply for a BOQ card?

A person who is an Australian Resident and can provide his SSN (Social Security number), an id proof and an address proof can apply for BOQ credit card. For full information on the documents required one should call customer care at 1300 55 72 72 or can read the fine prints of the card carefully.

Can I use my BOQ Visa card to get cash from the ATMs?

Yes you can use BOQ card to get cash from the ATM’s anywhere in the world where Visa Card acceptance is displayed.

What is the customer care number of BOQ Low Rate Credit Card?

The customer service centre number of BOQ card is 1300 55 72 72.

Will my BOQ Visa Credit Card accepted in abroad?

Your BOQ Card will accepted anywhere in the world where Visa Card acceptance logo is displayed.

How can I contact the bank if I have some problems or queries related to the BOQ Plastic?

If you want to contact the bank then you can call 1300 55 72 72 and there will be a customer care representative to solve all your doubts and give you the full details.