Archive for December, 2009

Sears Credit Card

Friday, December 25th, 2009

There are so many good reasons to get a Sears credit card, that it is difficult to know where to begin. Did you know for example that Sears is the U.S.A.’s 4th largest retailer because it has 3,800 full line of specialty retail stores in both Canada and the United States

Sears card has 4 different types, including Sears card, Sears gold mastercard, Sears commercial one card and Sears home improvement account. Each of them has their own unique and special features. The most advantage of Sears card is that exclusive cardmember-only sales and special financing offers throughout the year with savings on Kenmore appliances, Craftsman tools, and name-brand home electronics.

Interestingly enough there are millions of Americans who use Sears credit cards to shop on Sears online as well as in Sears stores, but unknown to many of them, there are numerous benefits awaiting them if they used a Sears card to shop at any Sears store, and now even at Kmart stores as well.

Once you have a Sears credit card, you will be able to get special discounts, as well as various Sears card reward points redeemable at Sears stores with which to purchase items. Though Sears Choice Rewards are only available to those with a Sears Gold MasterCard. All of the Sears cards are safe too, since they are a joint venture between Citibank and Sears Holdings.

The attracting points of Sears gold mastercard are earning one Sears Choice Rewards point for every dollar you spend in eligible purchases and $0 Liability on unauthorized purchases. While if you choose Sears commercial one card, you can organize expense tracking and simplify record keeping without annual fee. Choosing Sears home improvement account means that you can make payments monthly and count on their customer service anytime you want.

For your convenience, payments for your Sears card may be made by in person, mail, or online if you wish. Applying for a Sears Credit is very easy it can be done in person at any of the Sears locations nationwide or if you prefer you can visit the Sears official website and fill out the form for a Sears credit card online.

CIBC Online Banking

Sunday, December 20th, 2009

It would seem that the cibc online banking franchise has effectively ended up becoming a victim of its own success, and ironically, this has resulted in many potential customers from across the four corners of the globe being bitterly disappointed.

The reason for their dismay and upset? Many people who have wanted to sign up for the cibc online banking package have unfortunately found that they fail to satisfy one of the fundamental perquisites for membership: Canadian residency.

CIBConlineBankingCurrently, under the legal framework which the cibc online banking service works under, membership is only available to Canadian residents exclusively. There are two other major conditions to be satisfied in order for the consumer to be eligible for an account with this online banking group: the first being that they must have the legal capacity to enter into a legally binding contract (as defined within Canadian law).

In addition, it is currently not possible for a person to sign up for an account with the cibc online banking service on the behalf of a 3rd party/another person and therefore it is only permissible to create an account for yourself exclusively.

Some Canadian expatriates who have settled abroad have queried as to whether they are entitled to create an account with the cibc online banking group. Unfortunately, although they may still retain Canadian citizenship (failing that, dual citizenship which happens to include Canadian) they fail to satisfy the residency requirement.

If you have read thus far and have been somewhat deterred from joining the cibc online banking group as a consequence of this seemingly arbitrary and tedious range of hoops which the applicant is forced to satisfy before making any progress then the chances are that you going to be even more alienated with the following information.

Satisfying the tripartite requirement threshold does not automatically qualify a potential candidate for membership with the cibc online banking and the reason for this is due to the fact that they will be required to satisfy additional tests and requirements.

All prospective customers who are seeking to join the cibc online banking group will be forced to take a test that will measure the worthiness of the candidate on a number of different perspectives including the likes of credit rating and even criminal background check.
If, after reading through all of this you are keen to go ahead and signup for your very own cibc online banking account then you will be delighted to learn that there is a grand total of three different methods that the consumer can make use of to initiate the process.

The first is attending your local CIBC bank outlet and inform them of your desire to join.Alternatively, the customer can elect to complete the process entirely online although it is worth noting that this process is not quite as easy or straightforward as maybe initially thought of as the customer will need to provide no shortage of information.It would seem that the speediest and most convenient method is to begin the process online and then bring along two items of personal identification to a local CIBC bank branch.

Official site : https://www.cibc.com/ca/how-to-bank/online.html