Compare Best Credit Cards Offers

Courtesy: Centre for Investment Education and Learning (CIEL)

Nikhil has to first deal with the question of whether he needs multiple credit cards and, if so, how many. Having more than one card is useful when a large payment has to be made or when a particular card cannot be used.

Ideally, the cards should have different affiliations, such as MasterCard and Visa. It is also a good idea for Nikhil to dedicate one card for official use, so that there is no confusion while claiming reimbursement for payments.

Since his job involves a lot of travelling, using a co-branded card that is linked to an airline will help him in official use as he can get credit for usage.

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Tags: Card, Credit Card

Diners Club is a prominent name in the credit card world but not everyone knows how this brand relates to credit cards.

Launched in Australia in 1956, Diners Club is one of the most established and prestigious credit card providers around the world but unlike other independent providers, such as American Express, Diners Club does not offer credit cards through other banks.

In fact, this issuer offers only a select number of cards available for the following different categories:

1. Personal cards
2. Frequent flyer cards
3. Small business cards; and
4. Corporate cards

One of the most appealing things about these credit cards is that they cater for people who do not want to be limited with what they can spend.

Unlike credit cards from banks like ANZ, Citibank and NAB (among others), Diners Club offers no fixed credit limit so that people have flexibility to manage their finances according to what they know they can afford while also catering for changing financial needs.

Diners Club also has a highly competitive rewards program offering shopping vouchers to stores like Myer and David Jones, travel vouchers and an online catalogue of exclusive offers to choose from, so for someone who is good with money and wants more from their credit card, this option is worth considering.

Business Credit Card Options From Diners Club

Where Diners Club really stands out amongst other providers is in the realm of business credit cards, with the Diners Club Business Charge Card specifically developed to meet the needs of small to medium-sized businesses.

As well as no pre-set spending limit, this card offers ATO approved statements and flexible billing periods.

For businesses that want an easier way to prepare their taxes, the credit card statement consolidates monthly expenditure into one clear record and will group charges by expenditure type for easy reconciliation.

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Tags: Card, Credit Card, Diners Club

Did you know you can—and should!—be rewarded for using your credit card?

Whether you like the idea of getting free hotel stays, airline miles or cash back, rewards credit cards are where it’s at. But before rushing to apply, follow these steps to make sure you get the best card for you.

With CreditKarma.com, you can check your credit score for free as often as you like. But don’t just stop there. Go through your free credit report card to find out how each factor in your credit score is affecting your overall credit profile.

Check your credit report for errors with AnnualCreditReport.com. The three most common errors are outdated personal information, mistaken or fraudulent accounts and incorrect account details. If you find an error, fix it by following these steps.

Another quick way to improve your credit is to ask for a credit limit increase on one of your current credit cards. If you’

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Tags: Card, Credit Card, Rewards Credit, Rewards Credit Card

Despite the recent economic turmoil and bad image of the financial institutions a new survey shows that only a minority of U.S. citizens feel that their credit card company has treated them unfairly.

According to the survey, conducted by Consumer Report, only about 12% of the consumers surveyed had a negative outlook of their credit card company. The statistics are down from 2010, which showed that 15% of consumers were treated unfairly by their credit card company and down significantly from 22% in 2009.

With an extremely competitive marketplace, credit card companies have also been actively searching out new customers. According to the survey, only 14% of consumers were denied a credit card in 2011, which is significantly down from 24% in 2010.

“We have often pointed out to consumers that this is a great time to find credit card deals and consumers should take advantage of these opportunities,” said Charles Tran, founder of CreditDonkey.

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Tags: Card, Credit Card

Today, Capital One is introducing a new cash-back credit card that ultimately yields 1.5 percent in refunds on each purchase, as long as youre patient.

The Capital One Cash MasterCard works like so: You get 1 percent of your purchases back in the form of a cash refund. Then, on the anniversary of the date that you first activated your card, you get a 50 percent bonus on whatever you’ve already earned during the past year.

For example, if you activate a new card on Oct. 1, 2011, and use it for $30,000 in purchases between then and Oct. 1, 2012, you’ll earn $300 during that year. Then, on Oct. 1, 2012, you’ll get another $150 added to your refund. You continue receiving the annual bonus on each anniversary.

So where’s the fine print here?

To be honest, I’m having trouble finding any other than the wait for that extra anniversary money. You can r

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Tags: Card, Credit Card

Credit card transactions are seeing a rise amongst customer segments again since February.

Data released by Reserve Bank of India says credit card transactions have increased to Rs 7880 crore in May 2011 as compared to Rs 6212 crore in February.

“Banks typically deactivate cards that are inactive for some time. Also, banks are not very aggressive to offer credit cards to all and sundry. Banks mostly prefer to offer credit card service to existing customers only,” quoted a senior official of a public sector bank.

Private sector lender IndusInd Bank which started its credit card business only last month, is planning to cash on it.

“We believe the credit card industry is ready now after 3-4 years of bloodbath and washout. It is at the take-off stage again.

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Tags: Card, Card Transactions, Credit Card, Credit Card Transactions

The United MileagePlus® Explorer Card is designed for those who travel frequently with United and Continental because you earn double points. The card offers a low APR and there is no annual fee for the first year which is a $95 savings.

The card offers a variable rate of 14.24% Variable*. This rate may vary based on changes to the prime rate. This card does not offer an introductory rate for purchases or balance transfers.

With the United MileagePlus® Explorer Card you will earn 2 miles for every $1 you spend on tickets purchased from United and Continental. In addition, you will earn 1 mile per every $1 you spend everywhere else.

You can earn 25,000 bonus miles after first use and 5,000 additional bonus miles after your first Card use and for adding an authorized user within two months of opening your account. Plus, earn 10,000 bonus miles when you spend $25,000 or more on your Card each calendar year. <

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Tags: Card, Explorer Card, Mileageplus® Explorer, Mileageplus® Explorer Card