Walmart Discover Credit Card Review
by Dan on May 7, 2012
Walmart currently offers three different flavors of card for its customers: a Visa or MasterCard reloadable prepaid card, a standard charge account card, and a full-fledged Discover credit card. We’ll cover each of them in a series of post starting with the widely popular Walmart Discover. A cash-back rewards card for Walmart shoppers If you’re curious what’s a Walmart Discover credit card in a sentence, the subheading says it all. Shoppers would appreciate its low reward redemption level of $10, up to 1% cash back on spending and three cents off per gallon on Walmart gasoline purchases. There’s an additional $20 bonus for shoppers who spend at least $100 on
How Credit Card Inactivity Impacts Your Credit Scores (Mint Life) Credit reporting is very flat, meaning your credit reports only show you a snapshot in time of what your credit history looks like. There is no chronology of balances, which means it’s hard to determine from a credit report if an account is active or inactive. For example, if you have a credit card with a $0 balance on a current copy of your credit report, it appears that the account is inactive. The problem is that balance is from last month’s statement and the card may have been used since the last month’s statement was cut, thus the account
DIY Guide to ID Theft Prevention
by Dan on May 3, 2012
Are identity theft products and services worth their price tag? Scare tactics effectively propagate fear of identity theft, which in turn boost profits of the credit-protection industry. Consumers are expected to pay at least $10 each month for services that promise ID theft prevention. It doesn’t seem much but if you can do it yourself why pay? Do-it-yourself steps for identity-theft protection has been around for more than four years. When ID theft cases started to rise and big companies began pitching expensive credit monitoring and ID protection consumer advocates such as Private Rights Clearinghouse responded by educating consumers on issues regarding privacy rights, identity theft and more. Their site
Barclaycard US Now Accepts Applicants for the Barclaycard Ring® Card
by Dan on April 30, 2012
Ready for Barclaycard’s Ring card? It’s the first “social” credit card with a pricing model that would likely disrupt the credit industry. Consumers rave about its revolutionary features, especially its extremely low-cost structure. It’s a rarity and many are enthusiastically waiting for it. Now the wait is over. Barclaycard US just opened up applications for the Ring card. Once approved, Ring cardholders will have the opportunity to design their ideal credit card. They can, for instance, vote on how to handle the program’s profits. They can even choose to donate profits to charity or keep the “Giveback” rewards to yourself. So what’s the catch? There isn’t. Transparency is part of
Weekly Credit Links: Will Paying Off Debt Instantly Improve My Credit?
by Dan on April 28, 2012
Will Paying Off Debt Instantly Improve My Credit? (Quizzle Wire) Many folks with a less than stellar credit scores suffer from too much debt, resulting in poor payment history or high credit utilization. However, simply paying off any old debt might not boost your credit score. And in all cases it will take a little time for your credit score to adjust. Four of the Best Hotel Credit Cards (Smart Balance Transfers) Credit card users that enjoy rewards for their spending often choose airline affiliated credit cards or products that offer cash back. Nevertheless, travelers should always consider a card that offers hotel rewards. These products generally offer valuable rewards