We evaluate some of the latest offers in the credit card market 
Consumers who want to put their purchases on credit cards have a lot to celebrate as interest rates fall and lenders offer new incentives to pay with plastic.
Borrowers spending smaller amounts often decide to put the payment on their credit cards, but keeping a close eye on the fine print of the deal will help prevent unnecessary distress in the long term, when it comes to paying off the bill.
As more and more deals hit the market, credit seekers are encouraged to shop around for the best option for their own borrowing needs. The right type of card depends on factors such as how much debt you have, the health of your credit rating and how quickly you will be able to pay off what you borrow.
Paul Lawler of Moneysupermarket.com said: “It is important to choose a card for the right purpose and your own circumstances. I
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The CARD Act protections also affect customers who have incurred a balance under a promotional financing offer. In the past, banks frequently offered low APR or 0% promotional financing, but would only apply payments to those balances before allowing customers to pay down other balances with higher interest rates. Card issuers must now apply payments to the balance with the highest interest rate first, which is much more favorable to cardholders (although they can still use the entire minimum payment to reduce whatever balance they choose, typically the lowest rate one). Finally, credit card users are guaranteed a minimum grace period of 21 days in which they can pay off their balance in full without incurring any interest. The previous rules only required credit card issuers to grant a 14 day grace period.
The CARD Act curtailed many unfair and abusive practices, but its regulation of how credit card interest is calculated is one of its greatest protections.
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ReadyDebit, which is owned by the Ready Financial Group, has an A+ rating with the Better Business Bureau. There are only a few fees that ReadyDebit Platinum Visa Prepaid cardholders have to worry about, which may be why so many customers only have good things to say about the issuer.
Visit the credit card chaser website to review credit card offers and lower your fees for FREE!
A short credit card application must be completed before you can be approved for the ReadyDebit Platinum Visa Prepaid, but there are no other qualifying criteria.
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February will likely mark an important turning point in the balance transfer credit card market. Although average balance transfer fees declined sharply from 3.25% to 2.95% this month, average balance transfer durations took a downward turn as well. The latter change seems to indicate that credit card companies may no longer feel comfortable offering 0% interest rates for extraordinarily long periods of time, an issue that may lead to a return to the basic, twelve month balance transfer offers that were common prior to 2011.
A handful of Citi balance transfer offers, which had carried 21 month introductory periods on purchases and balance transfers, were reduced to 18 months in February. While this is only a 15% decrease, the probability of 21 month balance transfer offers returning in the near future is quite low.
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The Hills Bank and Trust Company Visa Gold credit card was once the premier card offered by this Iowa community bank. It has since been replaced by the Visa Platinum Rewards card.
Online credit cards are just a click away with the box at the bottom of the page!
HBTC Visa Gold Replacement Card
While the Hills Bank and Trust Company, or HBTC, Visa Gold is no longer being offered to new applicants, those who already had one in their wallets before the switch may still continue using the card. New cardholders will receive the HBTC Visa Platinum Rewards card.
The HBTC Visa Platinum Rewards card has a $15 credit card annual fee. The APR ranges from 10.25% to 14.25%.
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