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If you need credit, and fast!

Trying to hit a curve ball

Planning is great, but there are times when you need access to credit fast, either to deal with an unforeseen medical emergency, to take care of some business expenses, or to manage the post-holiday bills that will surely come due soon.

If you are a trust-fund baby, you need only to reach for the phone and get an allowance deposited into your checking account, but then, if you were a trust-fund baby you would never have need for money.

Recently, many Americans have addressed their need for fast access to credit by applying for one of the now available instant approval credit cards. With a few clicks of the mouse you can find out which card meets your needs and your criteria, and apply right on the spot from the comfort of your own home, and – in most cases – have an instant answer. If approved, while your actual physical card will arrive in the mail in a few days, you can start using your new card for online purchases, and often for cash advances as well.

You can also combine your new card with PayPal and settle cash debts as easily as sending an email.

While we are not advocating indiscriminate use of credit cards, we strongly believe that credit cards are a wonderful tool highly useful in anyone’s personal finances. Credit cards are the only tool that allow individuals and businesses to tap their credit ‘on-demand’, add extra consumer protection to their purchases, and give the choice (not the obligation) to extend the repayment in flexible terms, from one or two months to a longer period of time.

And as an added bonus, many cards offer rewards in terms of cash back, airline miles, or perks.

Therefore, be wise with your spending and all of your finances, and do keep in mind instant approval credit cards; because life will always throw you some curve balls.

___________

Photo Credits: Dana Spiegel

December 23, 2008 | Filed Under Credit Cards, Instant Approval Cards | Leave a Comment

People want more. More cowbells, More out of life, more more more . . . it is the American way. Discover Card delivers it with the More Card and its Get More program

Why settle for less when you can have more?
Don’t you need more cowbells? And more bells and whistles from your credit card?
Imagine a card that constantly delivers more:

Instant online approval.
Low introductory APR on purchases.
Low introductory APR on balance transfers.
5% to 20% Cashback Bonus at top online retailers in the ShopDiscover Network (*).
5% cashback Bonus in popular rotating categories like travel, home, apparel, gas, restaurants, movies and more.
1% Cashback Bonus on all other purchases.
The Cashback bonus accrue automatically.
No limit on the amount of Cashback bonus that you can earn.
Double your Cashback bonus with gift cards offers from 100 Discover Cashback Bonus Partners (*).
No Annual Fee.
Easy online account access.
Online bill payment.

Is that more to your liking? Get more, get the Discover Card. And now you can select the look of the card that you’ll be carrying in your wallet, Discover gives you 6 different and exciting designs to choose from:

(*) See official Discover card web site for details.

August 27, 2008 | Filed Under Balance Transfer Cards, Credit Cards, Instant Approval Cards, Low Interest Credit Cards, Reward Credit Cards | Leave a Comment

Get the Amazon Rewards Visa Card and Get $100 Off Kindle

Thanks to Chase, you get $100 off Amazon.com’s Kindle when you get the new Amazon.com Rewards Visa Card. Limited time only. Here’s how this works:

Apply online. Get a response in as little as 30 seconds. If you’re approved, Chase will instantly add the card to your Amazon.com account and you’ll get $30 back on your credit card statement after your purchase.
Add a Kindle to your cart.
Place your order using the Amazon.com Rewards Visa Card and enter this promo code: VISACARD to get the additional $70 savings at checkout.
NOTE: Additional restrictions apply.

Few of the reasons why getting yourself a Kindle is a smart idea:

Revolutionary electronic-paper display provides a sharp, high-resolution screen that looks and reads like real paper.
Simple to use: no computer, no cables, no syncing.
Wireless connectivity enables you to shop the Kindle Store directly from your Kindle—whether you’re in the back of a taxi, at the airport, or in bed.
Buy a book and it is auto-delivered wirelessly in less than one minute.
More than 150,000 books available, including more than 98 of 112 current New York Times® Best Sellers.

$Amazon.com\'s Kindle$

New York Times Best Sellers and New Releases $9.99, unless marked otherwise.
Free book samples. Download and read first chapters for free before you decide to buy.
Top U.S. newspapers including The New York Times, Wall Street Journal, and Washington Post; top magazines including TIME, Atlantic Monthly, and Forbes—all auto-delivered wirelessly.
Top international newspapers from France, Germany, and Ireland; Le Monde, Frankfurter Allgemeine, and The Irish Times—all auto-delivered wirelessly.
More than 350 top blogs from the worlds of business, technology, sports, entertainment, and politics, including BoingBoing, Slashdot, TechCrunch, ESPN’s Bill Simmons, The Onion, Michelle Malkin, and The Huffington Post—all updated wirelessly throughout the day.
Lighter and thinner than a typical paperback; weighs only 10.3 ounces.
Holds over 200 titles.
Long battery life. Leave wireless on and recharge approximately every other day. Turn wireless off and read for a week or more before recharging. Fully recharges in 2 hours.
Unlike WiFi, Kindle utilizes the same high-speed data network (EVDO) as advanced cell phones—so you never have to locate a hotspot.
No monthly wireless bills, service plans, or commitments—we take care of the wireless delivery so you can simply click, buy, and read.
Includes free wireless access to the planet’s most exhaustive and up-to-date encyclopedia—Wikipedia.org.
Email your Word documents and pictures (.JPG, .GIF, .BMP, .PNG) to Kindle for easy on-the-go viewing.
Included in the box: Kindle wireless reader, Book cover, Power adapter, USB 2.0 cable

Take action now, this is a limited time offer, and with Amazon.com’s lighting fast One-Day Shipping your brand-new Kindle could be in your hands tomorrow.

August 25, 2008 | Filed Under Amazon.com, Chase, Credit Cards, Instant Approval Cards, Reward Credit Cards, Visa | Leave a Comment

The 3 keywords in Personal Finance: Credit, Credit, Credit

In Real Estate, it’s all about location, location, location; when it comes to your personal finance it’s all about credit, credit, credit; and not just about credit as a vague concept, we are talking here about good available credit.

Just like the Donald said “Credit is something you get when you don’t need it“, now it’s the time to secure some credit for those rainy days or unexpected emergencies. But first let’s clear up some of the confusion that we know is out there: what’s considered good credit to have?
Good credit to have is the credit for which you are approved for and it’s there available for you. Let’s make an example: Jim has one credit card with a $ 5,000 limit, he has it practically maxed out with a balance of $ 4,800. He makes the minimum payments every month, and every month he charges a little more on the card bringing the balance back to the $ 4,800-4,900 range. Melissa has the same income as Jim, and the same credit history, and like Jim she has only one credit card with a $ 5,000 limit. Melissa charges about $ 100-200 per month, and she often pays it off the balance in full at the end of the month, sometimes she lets it slide 2-3 months by making the minimum required payment.
Melissa has better credit than Jim, and everything else being equal, if they were to both apply for large amount of credit, Melissa would be approved for a higher amount because she has more good available credit, less financial commitments (the monthly payment) and she has borrowed and paid off her line multiple times.
Some people find that strange, since Melissa, after obtaining the new large credit could max out on the new credit and the existing credit card, effectively putting herself in a worse position than Jim. We at CreditCardsMojo don’t make the rules, we just report on them. Our understanding is that rules such as these are the results of statistical analysis and experience, the Melissa Types either won’t do that, or if they do they would make good to the new and old commitments in terms of periodic payments and eventually paying off the debt.

So, do you have enough good credit on you? Credit that is approved and available when you decide you need it? With so many credit cards with no annual fees it doesn’t cost anything to be prepared and to have some good credit on you. And many of these cards have low APR should you have to carry the balance over a period of time.

There’s a new credit card in town that caught the attention of our spotters, it’s the Citibank Citi PremierPass Card, with some outstanding benefits and rewards:

No Pre-set Spending Limit;
Personal Concierge Service;
Travel & Emergency Assistance when you’re traveling in the U.S. and abroad. Lost Luggage assistance;
Automatic Travel Accident Insurance;
Auto Rental Insurance;
Trip Cancellation / Interruption Coverage;
Lost Luggage Coverage;
Extended Warranty on the items you purchase;
Retail Purchase Protection;
Citi Photocard for added security;
Citi MasterCard® Payment Tag with PayPassTM.

|| CLICK HERE TO APPLY ||

(*) See the official Citi PremierPass Card site for details.

August 4, 2008 | Filed Under Citi Credit Cards, Good Credit, Instant Approval Cards, Low Interest Credit Cards, MasterCard, Rewards | Leave a Comment

Combine the love for books and the love for points with the Amazon.com Rewards VISA Card.

And Amazon.com is not just books! Best selection and prices in Electronics including digital cameras, HDTV, Music and Movies, Computers, Home & Garden, Grocery, Health & Beauty, Toys, Kids & Baby, Apparel & Shoes, Jewelry, Sports & Outdoors, Tools & Auto.

With the Amazon.com Rewards VISA Card you’ll get:

3 points for each dollar spent on Amazon.com;
2 points for each dollar spent at Gas Stations, Restaurants, and Drugstores;
1 point for each dollar spent anywhere else, online or at any store;
Double these points during the first 90 days;
$ 30 discount on your first purchase at Amazon.com.

It’s like getting paid to do the same things you normally do. And instant approval, no annual fees, low APR, excellent customer service from CHASE Bank and Amazon.com, there’s never been a better time to upgrade your credit card.

|| CLICK HERE TO APPLY ||

July 30, 2008 | Filed Under Chase, Good Credit, Instant Approval, Instant Approval Cards, Reward Credit Cards | Leave a Comment

Blue is the new Green.

You need credit, and you need to buy something, you need a credit card, and you need it all RIGHT NOW!

No problem-o! Blue is the new Green, and our friends at American Express can make it happen for you just a few clicks away and they give you two flavors of Blue: Blue Cash or Blue Skye, depending if you want to be rewarded with Cash or Airlines Miles! Instant credit card approval process is good, when you add choices it’s even better.

AMERICAN EXPRESS BLUE CASH: