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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Chevron Texaco Credit Card Login, Payment, and Customer Service Information

chevron-texaco-credit-cardChevron & Texaco credit cards are issued in partnership with Synchrony Bank (formerly GE Capital Retail Bank), and it’s Synchrony that you will deal with when it comes to making payments online or by mail, or to get customer service assistance. Information to get any of these things done is below:

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

kirklands-credit-card225The Kirkland’s credit card is issued in partnership with Wells Fargo, and it is Wells Fargo you will interact with in order to pay your credit card bill online or by mail, or to get customer service assistance. All the information you need to complete any of these tasks is below:

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Credit Cards Issued By Comenity Bank (formerly World Financial Network National Bank / WFNNB)

victorias_secret_credit_card2Comenity Bank (formerly World Financial Network National Bank, or WFNNB) is the company behind many retail store credit cards. When you become a credit card customer of J.Crew, Victoria’s Secret, or one of their other partner retailers, you actually become a customer of Comenity Bank, because Comenity is actually issuing the card. Comenity Bank credit cards include:

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Can I get a credit card if I’m self employed?

credit-card-handGetting credit or loans when you are self employed can be difficult. Anyone can call themselves self employed, even if they don’t make any money, so banks are more likely to regard you with suspicion if you are self employed or a “sole proprietor” (another term that means you’re on your own). Banks may want you to prove that you really make money and will be able to pay off your debts.

However, the good news is that banks and other credit card companies are more willing to approve self-employed people for credit cards than for other loans such as car loans or mortgages. Perhaps it’s because of the higher interest rates they can charge on credit cards, or the fact that they won’t be left with a house worth hundreds of thousands of dollars if you default. Whatever the reason, banks are more lenient on self-employed individuals when it comes to credit cards.
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Fry’s Credit Card Payment, Login, and Customer Service Information

frys-credit-cardThe Fry’s store credit card is issued in partnership with First Electronic Bank, and it is First Electronic Bank you will deal with to pay your Fry’s card bill online or by mail, or to get customer service assistance. All of the information you need to complete any of these tasks is below:

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eBay Credit Card Payment, Login, and Customer Service Information

If you are looking to make a payment on your eBay Mastercard online, by mail, or by phone, or to reach customer service for help concerning your credit card, all the information you need is below:

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American Eagle Credit Card Payment, Login, and Customer Service Information

American Eagle credit cards are issued by Synchrony Bank (formerly GE Capital Retail Bank), and you will go through Synchrony Bank in order to make payments, reach customer service, or otherwise manage your account. Below is all the info you need to pay your bill or get questions answered:

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Continental Finance Credit Card Payment, Login, and Customer Service Information

continental-finance-credit-cardContinental Finance offers (or has offered) a variety of credit cards, and the payment information and contact info for your card will vary based on which card you have. Below we offer information on how to pay or reach customer service for any card:

First off, to pay online:

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Review: Abercrombie & Fitch Credit Card

abercrombie-fitch-credit-cardAbercrombie & Fitch would be delighted to offer you their store card with its high interest rate and no rewards. The question is: why would you want it? Our short & sweet review of this terrible credit card is below:

OK, so the first thing to know about the Abercrombie & Fitch credit card is that you can only use it at Abercrombie, not anywhere else. That’s Strike One, as it usually doesn’t make sense to open a new line of credit for a card with such limited acceptance, because opening new credit lines can hurt your credit score in the short term, especially if you have a shaky credit history.
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