Credit Cards
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Blue from American Express(SM)
- Enjoy the low APR - Enjoy a 0% APR on purchases
for up to 15 months;
- Low Balance Transfer APR - 4.99% Fixed APR
for the life of the balance;
- Free Rewards Program - Earn points redeemable for
travel, merchandise, and more;
- No Annual Fee.
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One from American Express®
- Get $50 to jump-start your savings after your first
purchase;
- The Savings Accelerator(SM) Plan contributes 1% of
eligible purchases into an FDIC-insured High-Yield
Savings Account in your name;
- No annual fee the first year - that's a $35 savings.
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Bank of America Platinum Plus® Visa® Card
- 0% Intro Annual Percentage Rate APR on purchases
and balance transfers for the first 6 months;
- No Annual Fee;
- Credit lines as high as $25,000;
- Online Banking Service.
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Bank of America WorldPoints (TM) Platinum Plus (TM) MasterCard® Credit Card
- Earn 1 Point for every dollar you spend in net retail
purchases. Points are redeemeable for cash, brand
name merchandise, travel with no blackout dates
dining certificates and more;
- No Annual Fee;
- Free 24/7 Concierge Service;
- Absolute Fraud Protection.
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- No Annual Fee;
- 0% Intro APR, time frame based on review of your
credit application;
- Interest-free grace period when you pay your bill in full
each month by the payment due date;
- FREE Online Account Access.
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- 6% rebates on ALL gas purchases at ANY gas
station for the first 90 days;
- 3% rebates on ALL gas purchases at ANY gas
station after the first 90 days;
- 1% rebates on ALL other purchases made anywhere
No Annual Fee.
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Discover® More Card - Clear
- 0% Intro APR* on Purchases and Balance Transfers
for 12 months;
- More ways to earn more cash than anyone else;
- 5% Cashback Bonus® in popular categories like
travel, apparel, home, gas, restaurants, movies and
more.
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Discover® Motiva Card
- The first card with cash rewards for good credit
management;
- Automatically get a Pay-On-Time Bonus (SM) equal
to a full month's interest each time you make 6 on-
time payments in a row - twice a year, every year;
- Earn up to 1% unlimited Cashback Bonus on all other
purchases automatically.
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The very first thing that customers must understand is that with the availability of credit cards comes the responsibility
of using it wisely. I has to be said that irresponsible spending habits aren’t the sole cause of people getting a bad credit history, but is a
significant factor.
We’d like to go into some important points about keeping your credit history intact while holding credit cards. Having more
than 3 credit cards is simply not necessary. If you do then we suggest you transfer the balance to the cheapest (i.e. lowest interest rate) card
and stop using the rest. This makes payment and tracking easier which helps to keep your credit history intact.
Another thing is to refrain from taking out any sort of cash advances to cover your credit card bills. The costs of cash
advances are very high and will more often than not drive your further into debt than previously. If you absolutely must take out cash advances
then aim to have it repaid as soon as possible.
One last tip is to always pay off your credit card bills on time. Late payment reflects terribly in your credit history
report and should be avoided at all costs. It is recommend that you even document all the payment schedules so that you don’t accidentally miss a
payment.
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