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.

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

1. Helps to build or establish ones credit history
2. Online accessible
3. Pay bills online
4. Shop Online
5. Minimum deposit required is $500
6. Cash advances through ATMs
7. Customer support service
8. Issued by : West Mark Credit Union

Fees

• Annual Interest Rate is 9.25% for Purchases, Balance Transfer and Cash Advances
• No minimum interest charges
• No Annual fees
• No Cash advance fees
• No Balance Transfer fees
• No foreign transaction fees

FAQ’s and Review:
What requirements you need to fulfil for applying West Mark No Annual Fee card?

You need to have a social security number (SSN), a valid address, and age minimum of 18 years and for more details one can read the terms and conditions of the card or can call customer care centre at 1-800-574-5626.

How can one apply for West Mark Card?

To apply for West Mark card one has to fill an application form which is easily available at its website that is www.westmark.org or one can go to the nearby bank branch and fill the application form directly else can call on 1-800-574-5626.

Can I use my West Mark Visa Card for making my bills payments online?
Yes, you can use your West Mark card to make your bills payment online.

Will the credit line improves automatically of my West Mark Secured Credit Card?

Credit limit is decided by the bank only, and it is determined by taking in two main points under consideration to decide the card user’s credit limit that is the payment method and the credit history of the card holder. If the card holder maintains his payment method that is if he pays back the balances of purchases in full and on time then bank at the time of evaluation of one’s credit account increases the credit limit automatically and this payment method increases credit rank as well. For more information on credit limit one should visit website that is www.westmark.org or can read the terms and conditions of the card or can call customer care at 1-800-574-5626.

Where can I use West Mark Low Rate Card?

West Mark card can be used at millions of locations worldwide where Visa card acceptance is displayed.

Why does secured credit card take so much time to issue?
Secured cards are meant for the people who have low or bad credit, so it takes time for approval. For more enquiries one can check the terms and conditions.

Special Features

• 21 days of grace period to repay back the balances of purchases
• Credit Limit ranges from $1000-$50,000
• Earn 1 point for every $2 charged for net retail purchases
• Can redeem the collected points for various options such as travel, cash, gift cards etc
• Optional Balance Protection Insurance
• 24-hour roadside assistance at pre-set rates
• Common Carrier Travel Accident Insurance
• Accessible online
• Pay bills online
• Purchase online
• Global acceptance
• Lost or stolen card reporting
• 24/7 customer support service
• Cash access through ATM’s

Issued by : Sudbury Credit Union
Fees Info

1. Annual Interest Rate is 19.99%
2. Additional card at no extra cost
3. No Annual Fee

FAQ’s

Can I make the payments of my bills online with Sudbury Card?

With Sudbury card one has the liberty to pay his bills online.

What requirements does one have to fulfil for applying Sudbury Master Credit card?

The requirements which one has to fulfil are that one has to provide, a social security number (SSN), a valid address, and age proof that is minimum of 18 years and for more details one can check the fine prints of the card correctly or can call customer support centre at 705-682-0645

At what places one can use his Sud bury Low Interest credit Card?

Sudbury Credit Card can be used at millions of location worldwide where Master Card acceptance is displayed.

Sudbury No Annual Fee Card helps in improving ones credit line?

Bank is the only decider of the credit limit and bank determines ones credit line by taking in consideration two main points they are the Payment Pattern and the Credit History of the card holder. And if the card holder pays back his balances of Purchases in full and on time bank can allot the card user a better credit line every time at evaluation of one’s credit account. For more updates on credit limit one can call customer care at 705-682-0645 else can read the terms and conditions of the card carefully.

How do I report for a query or doubts related to Sudbury Credit Card?

If one has any doubts, queries or complaints related to the card one can call the customer care at 705-682-0645 where the customer care representative will do its best to provide one with a solution.

How can I purchase Sudbury Card?

To purchase Sudbury Card one has to fill an application form which is easily accessible through its website that is www.sudburycu.com or one can even apply it by phone at 705-682-0645

Can I redeem the points earned with Sudbury Credit Card?

Yes, you can redeem the points for various options such as travel, merchandise, gift card and much more.