Archive for the ‘credit card’ Category

Sorting Out the Best Credit Card Offers

Sunday, October 10th, 2010

Despite the recent credit crunch or perhaps because of it the number of credit card companies sending offers in the mail and by email seems to have increased exponentially in the last year. It seems like you can’t go to your mailbox or open your email box with several offers a day sometimes.

In order to find the best credit card offers, you will need to decide what you are looking for in the card. This includes not only the interest rates you are willing to pay but, the fees and miscellaneous charges as well as any rewards programs you are interested in.

Everyone has their own ideas as to what constitutes the best credit card offers, bases on their particular needs. For example if you are the type of person who pays there credit card bill every month and never carries a balance, the interest rates are likely to be far less important to you than the monthly or annual fees. Those who carry a balance on the other hand may find that low interest rates are far more important.

Many of today’s credit cards come with some form of a reward program such as air miles, discounts on new cars or cash back. Here again you will need to think about which of these rewards you are most likely to use. At this point you should be prepared to do a little extra research to see which if any of these offers are something that you can use, whether their terms and conditions are verifiable and that they are not so unrealistic that you will never be able to reach the point of being able to use them.

The vast majority of credit cards all come with a slew of monthly and annual fees that must be paid and then there are over limit fees, late payment fees and cash withdrawal fees. Many of these fees have gotten out of control. The lower your credit score is the higher these fees are and even the best credit card offers can seem outrageous when you have a low credit score.

Here the only thing you can do is compare the rates of several different credit card companies and try to pick the one that offers the lowest fees and interest rates to rebuild your credit rating back to the point where you can start look at the best credit card offers and find ones that have much lower interest rates and fees. Once your credit score is in the high 600 range you will begin to qualify for better and more affordable credit cards.

Sears MasterCard Payment Online

Saturday, January 30th, 2010

Sears MasterCard Payment Online – Pay with Confidence

First issued several years ago as Sears finally decided that they were losing money by not accepting other major credit cards the Sears branded MasterCard can be used anywhere that accepts MasterCard unlike their store card. When first introduced you could make a payment in the store or via the postal service when your bill came in. However like most major credit cards you can now pay your Sears MasterCard payment online.

There are two good reasons to make your  payment online, the first is time and money. By using the Internet to pay your bill you are reducing the amount of paper that must be used to create your bill. While this may not seem like much, by the time you multiply your bill by the thousands of others who choose to go with the paperless payment you are saving millions of trees and dollars every year. This is a great thing for the ecology as our planet is struggling with global warming and needs to save as many trees as possible.

The other good reason is time, if you have to wait around for your monthly bill to arrive in the mail. You then use more paper to write a check and put it in an envelope and have to pay for postage to send it back. You then have to make sure that you get the bill back into the mail in time to arrive at the payment center and be processed before it is late. Most of us have problem remembering to do this and being able to make your Sears MasterCard payment online takes all of this stress, time and money wasting out of the picture.

To make your Sears MasterCard payment online you simply go to their website and log into your account and click on the make payment button. Along with being able to make your payment online you can take a close look at your recent statements so you can track your spending habits. You can set up automated payments and update your personal information if you move or change your telephone number.

While many people worry about the security of making their Sears MasterCard payment online, the card is issued through Citibank and is protected by their Citi Identity Theft Solutions program to ensure that if anything does happen and your card is used fraudulently you are covered for any charges made while an Identity Theft Specialist works to try and track down the thief. Your Internet access and the transfer of information is protected by 128 bit security to allow you to pay with confidence.