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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Volkswagen Service Credit Card Payment, Login, and Customer Service Information

The Volkswagen Service credit card is issued in partnership with Citibank, and it is Citi you will interact with in order to pay your card bill online, by mail, or by phone, or to get customer service assistance. Below you’ll find all of the information you’ll need to accomplish any of these tasks:

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Gulf Credit Card Payment, Login, and Customer Service Information

The Gulf Visa credit card is issued in partnership with First Bankcard / First National Bank of Omaha, and it is First Bankcard you will deal with when it comes to making a payment online, by mail, or by phone, or to get customer service assistance. All the information you need to complete any of these tasks is below:

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QVC Credit Card Payment, Login, and Customer Service Information

qvc-credit-cardIf you are a holder of the QVC QCard credit card and want to make a payment online or by mail, or need customer service help, you will go through QVC’s issuing partner, Synchrony Bank (formerly known as GE Capital Retail Bank). All of the info you’ll need is below:

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What is the best way to pay off credit card debt?

average-card-rates225If you are completely overwhelmed by credit card debt, you may feel like throwing up your hands and saying, “I quit! I’ll never get this paid off!” Don’t do it! Defaulting on your credit card debt can seriously damage your credit history, to the point where you may not be able to get credit at all for a very long time.

But how to pay it off? What’s the best way to start feeling like you are getting somewhere?

There are two common methods you can use. One method is mathematically superior but more difficult on your nerves, while the other actually costs a bit more but is easier to stomach:

The Rate Method

Look at your credit card statements and find the interest rate you are paying on each card. Rank them in order, from highest interest rate to lowest interest rate. Each month, be sure to pay the minimum payment on all of your cards. Then, whatever extra money you can pay, make sure it all goes toward paying the card with the highest interest rate, regardless of how big the balance is on that card.

This is simple math. The more you pay toward your higher interest cards, the less interest you’ll pay overall, so more of your money will actually go toward reducing the debt. The downside to this method is that you may have a much higher balance on your highest-interest card, meaning you are paying down the debt but it doesn’t feel like you are getting anywhere. You’ll still have all those same bills next month, so you may feel less motivated. But, if you can stay strong mentally, eventually this is the way to get your debt paid off at the lowest overall cost to you.
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QuikTrip Credit Card Payment, Login, and Customer Service Information

The QuikTrip credit card is issued in partnership with First Bankcard / First National Bank of Omaha, and so it is First Bankcard you will interact with in order to pay your bill online, by mail, or by phone, or when it comes to getting customer service help. Below we offer all of the information you’ll need to complete any of those tasks:

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Ducks Unlimited Credit Card Payment, Login, and Customer Service Information

The Ducks Unlimited credit card is issued in partnership with First Bankcard / First National Bank of Omaha, and it is First Bankcard that you will deal with when it comes to making your card payment online, by mail, or by phone, or if you need customer service help. Information on completing any or all of these tasks is below:

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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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Carnival Cruises Credit Card Payment, Login, and Customer Service Information

carnival-credit-cardThe Carnival Cruises credit card is issued in partnership with Barclays Bank, and it is Barclays you will interact with when it comes to making a payment online or by mail, or if you need customer service assistance. Below you’ll find the information you need to complete any of these tasks:

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