Discover® More Card
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Discover® Card

Discover® More Card - $75 Cashback Bonus

0% intro APR on balance transfers for a full 12 months, then the Regular APR.
0% intro APR on purchases for a full 6 months, then the Regular APR.
Get $75 Cashback Bonus when you make $500 in purchases within 3 months.
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Discover® Card

Discover® Open Road Card

2% Cashback Bonus automatically at any gas station and any restaurant.
5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall.
Up to 1% unlimited Cashback Bonus on all other purchases.
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Discover® Card

Discover® More Card

0% intro APR on balance transfers for a full 15 months, then the Regular APR.
0% intro APR on purchases for a full 6 months, then the Regular APR.
5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more.
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Discover® Card

Miles by Discover® Card

12,000 Bonus Miles - Earn 1,000 Miles each month you make a purchase for your 1st year.
1 Mile per $1 on every purchase.
Plus, 2 Miles on travel and restaurant purchases on your first $3,000 each year.
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American Express

True Earnings® Card from Costco and American Express

Earn cash back on gas and a $25 statement credit with your first purchase made with the Card.
Earn cash back virtually everywhere you go - 3% for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco.
No Annual Fee with your paid Costco Membership.
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American Express

Blue Cash® from American Express

0% intro APR on purchases for 6 months and no annual fee.
Flexibility to pay over time.
Get up to 5% cash back on everyday purchases at supermarkets, gas stations and drug stores.
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Discover® Card

Discover® More Card - Black

0% intro APR on balance transfers for a full 12 months, then the Regular APR.
0% intro APR on purchases for a full 9 months, then the Regular APR.
5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more.
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Chase

Chase Freedom® Visa - $50 Bonus Cash Back

Earn $50 Bonus Cash Back after first purchase.
0% Intro APR and No Annual Fee.
5% cash back in quarterly bonus categories like gas, home improvement and department stores, subject to quarterly maximum. Signing up is free and easy!
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Discover® Card

Discover® Motiva Card

Cash rewards for your good credit management.
Each time you make 6 on-time payments in a row, you´ll get a Pay-On-Time Bonus equal to a full month´s interest added to your Cashback Bonus account.
5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall.
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POINT REWARD CARDS

POINT REWARD CARDS

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American Express

American Express® Gold Card

Earn 10,000 Membership Rewards® bonus points when you spend $500 in your first 3 months of Card membership - redeemable for select gift cards valued at $100!
The Membership Rewards program - Turn your everyday purchases into Membership Rewards points, and then redeem them for an amazing collection of travel, shopping, dining and entertainment rewards.
Gold Card Events - exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide.
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American Express

Platinum Delta SkyMiles® Credit Card from American Express

Earn 20,000 bonus SkyMiles® (including 5,000 Medallion Qualification Miles) after first purchase and another 2,500 for adding an Additional Cardmember.
Earn one companion Coach Class ticket each year upon renewal.
Earn at least 1 mile for every eligible dollar spent.
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HSBC Bank Nevada

Orchard Bank® Visa® Cards

Reports to 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score!
Acceptance at millions of locations including website purchases and reservations.
Your account information is updated and at your fingertips 24/7 so you can manage it your way.
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American Express

American Express® Premier Rewards Gold Card

3-2-1 Points: Earn Membership Rewards® points up to three times as fast: You can earn 3X points on airfare, 2X points on gas and groceries, and 1X points on everything else.
No annual fee for your first year, a savings of $175.
Earn 15,000 Membership Rewards bonus points when you spend $1,000 in your first 3 months of Card membership.
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American Express

Delta Reserve Credit Card

Annual First-Class companion certificate, which can be used for a First-Class or Coach-Class ticket!
Earn up to 10,000 Medallion® Qualification Miles (MQMs) after your first purchase.
Built-in Miles BoostSM - earn up to 30,000 MQMs and 30,000 bonus miles.
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Applied Bank®

Secured Visa® Credit Card

12.99% Low Fixed APR - Rate Won´t Change Even If You´re Late!
Choose Your Credit Limit - From $200 up to $500.
Monthly Credit Bureau Reporting.
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Chase

Chase SapphireSM

Earn $100 in rewards - that´s 10,000 bonus points after your first purchase!
Redeem points for travel, gift cards, merchandise, cash back and more.
2X points earned on airfare booked through Ultimate Rewards & 1 point for every dollar spent on all other purchases.
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American Express

Blue Sky from American Express®

0% intro APR on purchases for 6 months and no annual fee.
Flexibility to pay over time.
Turn purchases into free travel: Enjoy travel rewards with no travel restrictions or blackout dates - get points for flights on any airline, stays at any hotel, and car rentals with any company.
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MetaBank

READYdebit® Visa® Prepaid Debit Card

Get your routing number & account number instantly!
Easy payroll direct deposit sign up!
Direct deposit your paycheck or social security benefit check.
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BAD CREDIT CARDS

BAD CREDIT CARDS

BAD CREDIT CARDS
CARDS FOR STUDENTS

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CARDS FOR STUDENTS
U.K. CREDIT CARDS

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HSBC Bank Nevada

Orchard Bank® Classic MasterCards

An excellent credit card for rebuilding credit scores; reports to 3 major credit bureaus monthly!
Acceptance at millions of locations worldwide, including website purchases and reservations.
Your account information is updated and at your fingertips 24/7 so you can manage it your way.
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Discover® Card

Discover® Student Tropical Beach Card

5% Cashback Bonus® in categories that change like travel, department stores, gas, groceries, restaurants, and more means extra money for you, and extra toppings for your pizza.
5% to 20% Cashback Bonus at our exclusive (as in you need to be on the list) online shopping mall.
Up to 1% unlimited Cashback Bonus on everything else you buy - from textbooks to toothpaste, automatically.
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American Express U.K.

Platinum Cashback Credit Card

Typical 19.9% APR variable.
No Annual Fee.
5% Cashback for the first 3 months up to £100.
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Public Savings Bank

Classic Secured Visa® Credit Card

Build credit history - we report to all 3 major credit bureaus.
0% APR on all purchases for the first 6 months.
No annual fees or monthly maintenance fees.
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Discover® Card

Discover® Mix Tape Student Card

Build your credit with our contest-winning student card design - 250,000 votes on 7,000 submissions resulted in the new Mix Tape. Get yours today!
5% Cashback Bonus® in categories that change like travel, department stores, gas, groceries, restaurants, and more means extra money for you, and extra toppings for your pizza.
5% to 20% Cashback Bonus at our exclusive (as in you need to be on the list) online shopping mall.
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American Express U.K.

Red Card

Typical 18.9% APR variable.
No Annual Fee for life.
1% of your total spend goes to the Global Fund, to help fight AIDS in Africa.
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MetaBank

AccountNow® Gold Visa® Prepaid Card

100% Guaranteed Approval.15
$0 Monthly Fee.
Build Credit History.
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Discover® Card

Discover® Student Card - Clear

5% Cashback Bonus® in categories that change like travel, department stores, gas, groceries, restaurants, and more means extra money for you, and extra toppings for your pizza.
5% to 20% Cashback Bonus at our exclusive (as in you need to be on the list) online shopping mall.
Up to 1% unlimited Cashback Bonus on everything else you buy - from textbooks to toothpaste, automatically.
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American Express U.K.

British Airways Premium Plus Card

6,000 bonus BA Miles.
Earn 1.5 BA Miles for virtually £1 you spend.
Double BA Miles on British Airways flight and BA Holidays.
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Site FAQ
Frequently Asked Questions
Do I have a right to know whats in my report?
Yes, if you ask for it. The CRA must tell you everything in your report, including medical information, and in most cases, the sources of the information. The CRA also must give you a list of everyone who has requested your report within the past year?—two years for employment related requests.

Correcting Billing Errors
Federal law provides specific rules that the card issuer must follow for promptly correcting billing errors. The card issuer will give you a statement describing these rules when you open the credit card account and, after that, at least once a year. In fact, many card issuers print a summary of your rights on each bill they send you.

Automatic Online, On-time Payments
In the era of everything e-commerce, online banking is not trailing behind. Besides checking your account balance, you can now set up automatic payments to be made from your checking account. As far as the amount is concerned, you may elect to have a ?“minimum due?” or full payment withdrawn. This is an especially great feature for all of us who pay credit card bills late, and get slapped with a $29-$35 late fees. Call your bank today and ask whether it offers automatic payment service.

How important is the Balance Computation Method for Finance Charges?
If your plan has no free period, or if you expect to pay for purchases over time, it is important to know how the card issuer will calculate your finance charge. This charge will vary depending upon the method the card issuer uses to figure your balance. The method used can make a difference, sometimes a big difference, in how much finance charge you will pay -- even when the APR is identical to that charged by another card issuer and the pattern of purchases and payments is the same.

Previous Balance
Previous Balance. As the name suggests, this balance is simply the amount that you owed at the end of the previous billing period. Payments, credits, or new purchases made during the current billing period are not taken into account. Some creditors also exclude unpaid finance charges in computing this balance. If you do not understand how the balance on your account is computed, ask the card issuer. (An explanation of how the balance was determined must appear on the billing statements the card issuer provides you and on applications and pre-approved solicitations the card issuer may send you.)

Precautions for Overseas Trip
Before you go overseas, make a list of your credit cards and the international phone numbers to call in case they are lost or stolen. U.S. toll-free numbers cannot be reached directly from overseas, so make sure you have a number that can be reached from abroad. At the end of this brochure is a place for you to write down the phone numbers of your credit card issuers. Leave one copy of the list you make with a trusted friend or relative and keep the other copy with you, in a safe place separate from your cards. That way youll be able to quickly contact your credit card companies for replacement cards if you lose yours. If your cards have credit limits, check how much credit you have available and pay down balances or request higher credit limits if you need more.

I would like to re-build my credit. I filed for bankruptcy three years ago. How do I find a lender that will give me reasonable annual fee and interest rate?
Its true: after filing for bankruptcy, credit can be difficult to obtain. And what makes things worse is that your credit score will drop even lower each time a company disapproves your application. That means its doubly important that you apply for a card that youre likely to get rather than risk a turn-down. Youre definitely "at risk" at this time?…a target for unscrupulous lenders with big promises and shady deals. Many lenders will try to entice you with "super-low interest rates for those who filed for bankruptcy." It all sounds good until they come up with some questionable reason why you dont qualify and then try to convince you to sign up for a card with high rates and fees. Beware! Other companies may offer low teaser rates, but then hike the interest after a short period of time. And if you miss a payment -- look out! Some impose outrageous fees for late payments, sticking you with a $25 fine when youre late on a $5 payment. Heres a secret credit card companies dont want you to know: Late fees represent as much as one-third of the income of some credit-card issuers.

Annual Percentage Rate
All cards have an Annual Percentage Rate (APR) and many have an Annual Fee. The APR is what makes creditors money off your charges. For each penny you charge, interest accrues monthly until you pay that penny off. Cards can have APRs as low as 0% (although 0% is only offered during a short introductory period) and as high as 29%. It is up to you to know what the APR on your card is and whether or not it is a fixed rate, or if it can be changed at any time. You might only charge $20, but you will also owe your creditor the interest that accrues on that $20. However, if you pay off your complete balance by the due date, no interest will accrue.

What can you afford using your credit card
However, there are times when it might be wiser to use a credit card. For example, any time you make a purchase online, you should try to use a credit card. Why? If there ever is a case of someone stealing your credit card number and charging on it, you will usually only have to pay up to $50 of the stolen amount. If someone steals your debit card number and uses it, you will rarely get any of that money back. Some banks do offer theft protection on debit cards as a courtesy, but they are not legally obligated to refund the money stolen. It is up to the customer to close their account in order to stop withdrawals. Check with your bank to find out what their liability policy is on debit card theft. If you do use a credit card, you can always pay off your balance immediately and avoid ever paying any interest.

Credit Protection Overseas
The Fair Credit Billing Act does apply to overseas purchases, which is one reason why you may choose to pay by credit card instead of cash or check. To dispute a charge under the Fair Credit Billing Act, you must write to your credit card issuer within sixty days of the postmark date of the bill on which the charge appeared. Complete instructions for disputing a charge are usually listed on your credit card bill.

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