What’s the best credit card for me?

cards225Everyone wants to know what the best credit card is, but nobody wants to hear the real answer: there is NO best credit card, only the best credit card for you. Consider:

  • If you have a balance on your credit card, the best card for you is the one with the lowest interest rate.
  • If you pay your full balance every month, the best credit card for you is a rewards credit card, BUT…
  • The best rewards card for you depends on… you. Do you want airline miles, cash back or gift cards, points toward merchandise rewards, or some other rewards scheme?

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Lowe’s Credit Card Payment, Login, and Customer Service Information

Most Lowe’s credit cards (other than the Business Rewards American Express) are issued by Synchrony Bank, and it is Synchrony Bank you will interact with in order to pay your bill online or by mail, or to get customer service help. Below you’ll find the info you need to do any of these things:

  • To log in to your Lowe’s credit card account online and make a payment, click here.

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Review: FullBeauty.com Credit Card

fullbeautyccFullBeauty.com, which bills itself as an online “plus size marketplace for sizes 12-44”, offers a credit card that allows you to buy on credit at any of the stores in its “mall”. Our overview / review of the card is below:

The first thing to know is that you can only use this credit card within the FullBeauty.com “mall” — it can’t be used anywhere else. Getting a new credit card with such limited usage is not always a good idea, because each new credit card you obtain dings your credit score just a bit. If your credit history is excellent, not a big deal. But if it’s more shaky, you should think twice before getting a new credit card that you can only use at a single retailer.
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Toys R Us Credit Card Payment, Login, and Customer Service Information

The Toys R Us / Babies R Us credit cards are issued in partnership with Synchrony Bank (formerly GE Capital Retail Bank), and it is Synchrony Bank that you will deal with when it comes to making payments online or by mail, or for customer service help. The information below will help you accomplish any of these tasks:

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Walmart Credit Card Payment, Login, and Customer Service Information

Walmart credit cards are issued in partnership with Synchrony Bank (formerly GE Capital Retail Bank), and it is Synchrony you will interact with when it comes to paying your bill online or by mail, or to get customer service assistance.

Below is all the information you need to complete any of these tasks:

  • To access your account and make a Walmart credit card payment online, you can log in here.

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Harris Teeter Credit Card Payment, Login, and Customer Service Information

The Harris Teeter Mastercard credit card is issued in partnership with US Bank, and it is US Bank you will interact with in order to pay your card bill online, by mail, or by phone, or to get customer service help. Below you’ll find all of the information you need to accomplish any of these tasks:

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Review: JCPenney Credit Card

Department store chain JCPenney, in partnership with Synchrony Bank, offers a credit card that allows you to earn rewards as well as get various discounts and financing offers. Is it worth adding to your credit card portfolio. Our overview / review of the card will help you decide…

The first thing to understand about the JCPenney credit card is that it is only accepted at JCPenney, nowhere else. Getting a new credit card with such limited usage may not be a good idea, because every new credit card you obtain hurts your credit score just a bit. If your credit history is great, no big deal. But if it’s more shaky, you should think twice before getting a new credit card that you can only use at a single retailer.

That said, frequent JCPenney shoppers will find some value here. In terms of rewards, you’ll get 1 point per dollar charged to the card, and when you reach 200 points, you’ll get a $10 reward toward a future JCPenney purchase. So, you essentially get a $10 reward on $200 worth of purchases, or 5%, which is a nice reward.
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Synchrony Bank Payment, Login, and Customer Service Information (formerly GE Capital Retail Bank)

Synchrony Bank (formerly GE Capital Retail Bank) is the card issuer behind many of the most popular retail store credit cards on the market today. If you have a card issued by Synchrony Bank, and you need to make a payment or reach customer service, your best bet is to go to the site that is specific to your credit card. A list of Synchrony Bank credit cards can be found here.
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Barnes & Noble Credit Card Payment, Login, and Customer Service Information

The Barnes & Noble credit card is issued in partnership with Barclays Bank, and you will interact with Barclays to make payments online, by mail, or by phone, or to reach customer service for card assistance. See below to access all of the info you’ll need to pay or get assistance:

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Justice Credit Card Payment, Login, and Customer Service Information

The Justice credit card is issued in partnership with Capital One, and it is Capital One you will deal with in order to make a payment online or by mail, or to get customer service assistance. Below you’ll find all of the information you need to accomplish any of these tasks:

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Review: S&T Bank Credit Cards

s&t-bankS&T Bank, with branches mainly in Pennsylvania, offers a number of credit cards to its customers. Note that these cards are actually issued by S&T’s credit card partner Elan Financial Services. We offer an overview / review of these cards below, including our thoughts on how they compare to other cards on the market:

  • The Visa Platinum Card offers a 0% interest rate on your purchases for 15 months. It also lets you transfer a balance from another card and let that balance stay on this card for 15 months at a 0% rate. (Note, however, that you’ll pay a fee of 3% of the amount transferred to move a balance onto this card from another one.) No annual fee. Standard interest rate will be 13.99% to 22.99%; your personal rate will depend on your credit history. (Compare this card to competitive offers on our 0% Credit Cards page.)

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Shopko Credit Card Payment, Login, and Customer Service Information

The Shopko credit card is issued by First Bankcard/First National Bank of Omaha, and it is First Bankcard you will interact with in order to make your card payments online or by mail, or to pay by phone and get customer service help. Below you’ll find all of the information you need to complete any of these tasks:

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