Not too long ago I talked about crazy things people have done with their credit cards and buying a car was one of those things. A few people replied that there are instances in which it might actually be a good idea to buy a car with a credit card, and I definitely agree.
Continue reading "Clarification On Buying Cars With A Credit Card" »
I’m often warning people about the dangers of rewards credit cards -- such as higher interest rates, etc. However, I want to make it clear that I don’t think rewards credit cards are a bad thing. On the contrary, they can actually make wise spenders money for doing absolutely nothing. It’s a matter of knowing when and how to use them.
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How would you like a rewards credit card that doesn’t just offer you a points program, but has no limit as to how many points you can accrue? What if that rewards credit card allowed you to redeem those points at your choice of over 50 establishments or even transfer those points to your favorite frequent flyer miles program? Better yet, these points have no expiration and we haven’t even mentioned half the benefits this rewards credit card has to offer. Oh, and did we mention that the card has no credit limit? If you think a rewards credit card like this is just a fable, read on.
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Last week we talked about a personalized credit card for fans of the MINI car. For those who like the softer things in life, how about a personalized credit card with a picture of your furry friend? Bank of America is offering a credit card that you can personalize with a picture of your pet, but that’s not the only great thing about this personalized credit card.
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It’s not like a customizable credit card is a new concept. For years we have been receiving credit card applications in the mail asking us which of the credit card designs we prefer. However, thanks to BMW, the customizable credit card is being taken to a whole new level.
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Now that more and more credit card companies are offering cash rebate credit cards, it seems that everyone wants one. After all, who wouldn’t want to get cash rebate on everything they charge to their credit card? If they charged their cash-back credit cards for each and every purchase they made, it’d be like getting everything on sale all the time. But are these cash rebate credit cards as good as they look on the surface, or are there other things you should consider?
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You’ve probably seen offers for one of the many gas rewards credit cards that are currently offering cash back on your gas purchases. While the terms and conditions will vary from card to card, one thing remains the same -- each card promises to help you save money each time you fill the tank, and considering the prices of gas lately, that’s a very tempting offer. But are gas rewards credit cards really the answer, or is this just another bad deal in disguise?
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Let’s face it, since the introduction of rewards credit cards Americans have taken a liking to the concept right from the get go. After all, what’s not to like about getting free things for something that you’re doing anyway? But if you think that rewards credit cards are just a sign of your credit card issuer’s generosity, you may want to think twice.
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If you’ve been shopping around for credit cards lately, you’ll notice that many companies are now offering cash-back credit cards. These cash-back incentives are used to entice consumers to use that particular credit card when making purchases, or in the case of department store cash-back credit cards, to entice consumers to shop at their particular store. The question is, how do you know if a cash-back credit card is right for you?
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So you’re earning credit card rewards, but are you really utilizing those rewards to their fullest? If you’re not sure, you’re probably not getting the most out of your credit card rewards. Make sure you follow these tips and your credit card rewards will really start working for you.
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It sounds great doesn’t it? Get rewarded for spending money and charging purchases to your credit cards. However, rewards cards aren’t for everyone and if you’re going to enter the world of rewards cards it’s important to understand whether or not rewards cards are right for you.
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