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?

See? There is no best credit card. But we are happy to give you our ideas on the top credit card or cards in various categories, in order to help you choose which card is best for you:

Continue reading

Instant Approval Credit Cards

yesterday225Instant approval credit cards can be defined in two different ways:

1. You get approved today and can instantly begin using your new credit line. (Yay! No waiting!)

2. You get approved today but don’t get the card until later. (Not bad.)

Only one of the major credit card issuers gives you the possibility of both instant approval and same-day card usage. Three other credit card companies claim they might give you an instant decision on your application, allowing you to know if you’ve been approved or whether you should apply elsewhere.

Those companies are:

  • American Express – Offers the possibility of instant approval as well as the ability to use the card today. Almost every American Express credit card and charge card application includes the message “Get a decision in as little as 30 seconds.” And, most cards offer the possibility of an “Instant Card Number” that you can use until your physical card arrives. Instant Card Numbers are issued if American Express feels it has the “ability to instantly validate your identity.” (No word on how exactly they validate your identity.)
  • Bank of America – Most Bank of America credit cards have the message “Get a response in as little as 60 seconds” on their online applications.

Continue reading

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

The Cabela’s credit card is now issued by Capital One, and it is Capital One you will interact with in order to pay your Cabela’s card 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. Note that if you had the Cabela’s card when it was issued by World’s Foremost Bank, you’ll need to re-register for online account access with Capital One.

  • To pay your Cabela’s credit card bill online, log in here to make a payment. (You’ll have to re-register with Capital One if your card account was previously serviced by World’s Foremost Bank.)

Continue reading

The Ultimate Credit Card List

Orbitz Credit Card Payment, Login, and Customer Service Information

orbitz-credit-cardThe Orbitz Rewards Visa is issued in partnership with Comenity Capital Bank, and it is Comenity you will interact with in order to pay your bill online or by mail, or to get customer service assistance. Below you will find the information you need to accomplish any of these tasks:

Continue reading

Belk Credit Card Payment, Login, and Customer Service Information

The Belk department store credit card is issued in partnership with Synchrony Bank (formerly known as GE Capital Retail Bank), and it is Synchrony you will interact with when paying your bill online or by mail, or when you need customer service help. Information on completing any of these tasks is below:

Continue reading

Review: Tiffany & Co. Credit Card

tiffany-and-co-logoTiffany & Co offers a credit card that allows you to finance your Tiffany jewelry purchases, but in most cases it doesn’t make sense to use this option over your other credit cards. Our overview / review of the Tiffany & Co. credit card is below:

The first thing to understand about the Tiffany & Company credit card is that it can only be used at Tiffany & Co. — it is not accepted anywhere else. It is not a great idea to open a new credit line for a card that will be used so rarely, especially if you don’t have a great credit history, and especially if there is not a compelling reason to use this option over other credit cards you may already have.
Continue reading

Mills Fleet Farm Credit Card Payment, Login, and Customer Service Information

Mills Fleet Farm credit cards are issued in partnership with 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 assistance. Below you’ll find info you need to complete any of these tasks:

Continue reading