Credit Cards UnleashedFind the Right Credit Card For You

IdentityTruth is a VC-funded credit protection service that lets you monitor your credit information and prevent ID theft.  IdentityTruth protects you against breaches.  Whether you are the head of the FED or just a regular Joe, your identity can be stolen by identity thieves. IdentityTruth is a service that helps you stay on the top of your identity information 24/7. IdentityTruth manages fraud alerts on your personal credit profiles with the 3 major credit bureaus to help protect you against further criminal activities. It also removes your name from credit offer databases. And if you are worried about having your sensitive information leaked on the Internet, you are covered with IdentityTruth.

IdentityTruth ID Theft Protection Service Overview:

IdentityTruth protects you by:

• providing you with alerts notifying you of breaches, potential risks, offering “what’s next” advice.
• letting you know if someone is currently misusing your identity.
• alerting you about potential threats before you become an identity theft victim.
• providing fraud alerts on your credit history (all three bureaus) to help protect you against ID thieves.
• monitoring of your consumer credit report including alerts to critical changes and updates to your credit history.
• managing your online reputation.
• managing your junk mail and protecting you against bogus offers.
• giving you up to $2 M in insurance coverage.

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As the times get tough, many folks realize the importance of having a good credit history. If you haven’t been taking care of your credit in the past, now’s the time to start doing it. Credit repair doesn’t have to be difficult. A lot of consumers assume that you have to jump through hoops to repair your credit. That is partially true. But it always helps when you have someone who can tell you which pitfalls to avoid and how to properly go about repairing your credit.

The Insider’s Guide to Credit Repair is a cool little book that teaches you how to repair your credit score fast. You may ask, “I don’t need to repair my credit. I have an excellent one already.” You may now, but you never know what could happen in the future. So regardless of where you are with your credit, you need to stay informed to save yourself time and headaches in the future.

Here is what’s covered in this book:

• Credit score: you’ll finally figure out how you credit score is calculated. It’s not that difficult to figure out, but the small details here or there make all the difference. Knowing what affects your credit score can help you avoid things that affect it in a negative way.
• Credit report: you want to stay on top of your credit history? Do you know where to get your credit report or how to read it? Sounds simple, but a lot of people get this wrong.
• Dealing with creditors: let’s say you are in big trouble. There is a right way and a wrong way to deal with creditors. By knowing how to deal with these guys, you can get back on the right path faster.
• Credit theft: as someone who’s been a victim of identity theft, I know it’s something you don’t want to deal with. That’s why you should keep your eyes and ears open and protect your information at all times. But what if your identity is stolen? Do you know how to go about fixing it? That’s all covered here.
• Credit laws: knowing the laws can help you figure out what rights you have. You should always know your rights to protect yourself against unjustified action by creditors and credit card companies.
• Litigation: nobody wants to get here, but some end up here eventually. If you are in this tough spot, you are probably interested to know what’s next and what you can do to get out of trouble. That is all covered in this book.

The Insider’s Guide to Credit Repair is a very informative book that teaches you how to deal with all kinds of situations in regards to your credit. Whether you are a victim of financial fraud or in big trouble with creditors, this book has something for you. I was impressed with credit repair tips offered in this book. You’re obviously in charge, and it’s up to you whether you want to take advantage of these tips. But it’s always nice to have all the cards on the table so you can make a more knowledgeable decision.

Kiva is a nonprofit organization that has revolutionized the concept of micro lending. This past Spring, Kiva and Advanta joined hands to launch the first grant credit card for small businesses.

Kiva business credit card is one of the few cards designed specifically for social entrepreneurs. With Kiva credit card the cardholders have the ability to award grants to entrepreneurs in the developing countries. Kiva is a highly reputable organization that is well-know around the world. It will be responsible in handling these grants. There is no repayment guarantee for folks who decide to grand money to entrepreneurs in need around the world, but the Kiva foundation has a very good full repayment rate.

Advanta does its part to encourage cardholders to contribute to the Kiva project. When cardholders use their Kiva business credit card to make grants through Kiva.org to business owners in the developing world, Advanta will match their grants, up to a limit of $200 per month per account in total.

Like other Advanta credit cards, Kiva business credit card comes with a rich set of rewards. There is no annual fee for Kiva business card. In addition, the cardholders are protected by Advanta’s $0 fraud liability program. The card comes with 0% APR on balance transfers for 15 month and a low 7.99% APR thereafter. In addition, you get 5% statement credit on qualifying purchases (including grants to the Kiva foundation).

Unfortunately, Advanta puts a cap on the amount of grant they are willing to match. Advanta matches up to a limit of $200 per month per account. In addition, you only receive 5% cash back on your first $1200 in spending each year. After that your cash back rate will drop to 1%. Finally, there is no guarantee that you will get your money back if you decide to contribute to Kiva B4B project with your Kiva business credit card.

The Kiva Advanta business credit card is not for everyone. While the card comes with low APR on balance transfer and purchases and no annual fee, it is slightly limited in the rewards department. In essence, it is for entrepreneurs who are in need of a decent business credit card but would like to give back to the community as well. This card is certainly not for small businesses who are just starting up.

Kiva Credit Card Application

Chase +1 student Mastercard is specifically designed for people with little or no credit history. If you are a college student with no credit history, you will need a card that will allow you to build your credit fast. Chase +1 allows you to do that by providing a generous credit line and no annual fee. While Chase is targeting college students with this card, you do not have to be a student to be able to apply for Chase +1.

Chase +1 Mastercard comes with an introductory rate of 0% for 3 month on purchases. But after the introductory period, the rate increases to 14.99% and could go as high as 19.99%. So the card is not designed to park large balances. Chase +1 card is a great credit-building tool if you pay your balances in full. But it is not designed to be a life-time credit card. Once you have built your credit history, you should definitely consider moving on to better more flexible credit cards.

Chase +1 is unique in providing tips and tools to help cardholders master the art of building a great credit history. You earn Karma for paying on time and taking quizzes and you can apply your Karma point towards gifts or a great cause.

Unlike many other no-credit credit cards, Chase +1 comes with standard features such as account management, Chase mobile, and no annual fee. In addition, you can transfer your high interest rate balances to this card. However, Chase +1 does come with relatively high transfer rates, which means you shouldn’t use this card as a balance transfer card.

Chase +1  credit card provides folks with no credit history with the perfect opportunity to build a great credit history. Everyone has to start from somewhere, but Chase +1 does not come with any notable fees. In addition, you can learn from the training tools provided by Chase to learn the art of building a good credit. Overall, Chase +1 student card is a great credit card that people with no credit can use as a stepping-stone towards getting better more reward rich credit cards in the future.

You may have read our earlier post about the new Advanta World credit card for small businesses. The Advanta world card has replaced the life of balance credit card, which was one of the best balance transfer credit cards on the market

Advanta Business World Mastercard, is specifically designed to fit the needs of small businesses and startups alike. Unlike traditional Advanta offers, which were designed to provide the business owners with lucrative introductory offers, the Advanta World Card is specifically designed to provide the cardholder with the best set of rewards possible.

The Advanta Business World Mastercard allows you to earn 1 point for each dollar spent with the card. In addition, Advanta offers 50% bonus on the number of points earned to those who pay their bills on time. This is certainly a measure taken by Advanta to encourage holders to pay on time and avoid costly late fees.

The Advanta World Card does not come with any preset spending limit. What it means is that you don’t have to settle for a credit line of $3,000 if your credit score is close to $800. Advanta will offer limits to cardholders based on credit history, so it is necessary to have a good credit score in order to maximize your benefits with the Advanta World Card.

The Advanta Business World card offers unlimited points, so you can keep earning as you spend with your business card. You can redeem your points in cash or towards travel, gift certificates, or merchandise for your business. In addition, there is no annual fee and balance transfer fee for this card, so you can take advantage of all these rewards without having to pay a dime to Advanta upfront.

The Advanta World Mastercard does come with a high variable APR (16.99% at the time of this writing). So it is necessary to avoid parking large balances on your world card. If you are looking for a credit card to park large amounts, you may want to look at balance transfer credit cards but you certainly don’t want to use your World card for that purpose.

The World card is not for everyone. Advanta has specifically designed this card to meet the needs of small businesses and startups. Consumers are allowed to apply for this card, but it is recommended that you do not park large balances with this card due to this high variable APR. If you are a small business owner who is looking to save on your everyday purchases, you will want to check this brand new offer from Advanta. With all the rewards and incentives available through Advanta rewards program, the Advanta World can save your business a significant amount in the long run. On a side-note, the life of balance credit card was simply a giant of a card, and we don’t believe Advanta’s new products fill the gap left by that card. The Advanta World Mastercard is a wonderful new addition to the Advanta brand, but its focus is more on rewards and less on the lower fees.

The back to school time has come and gone, but that doesn’t mean students will stop needing credit cards for their costs. Unfortunately, most students don’t have great credit histories and do not qualify for excellent credit cards in the market. But thanks to companies such as Capital one, there are real good options available for students.

The Captial One No Hassle Cash Rewards for Young Adults is one such option. The card is especially designed to allow students to start building their credit as soon as possible and earn cash, simple and fast. Capital One allows you to ask for your rewards anytime you need it, so that is a big plus for students.

Features:

The No Hassle Cash Rewards card for students is specifically designed to allow maximum cash return to students for their everyday costs. You get 1% cash back on all purchases and an annual 25% cash bonus on your annual rewards. There are no caps on the amount you can earn with your credit card, so the potential is there to earn a significant amount of cash back depending on how much you spend (take a look at an example below).

You also get an introductory 0% APR on all purchases till December 2008. That should be enough to purchase that PC that you need for your highschool or college. You are also protected with 0% fraud liability. Besides, if you car breaks down, you can use the 24/7 roadside assistance folks to help you out. And you can put your favorite image on your card as well, so you get to express yourself with your credit card. How cool is that?

Here are a few other benefits that you can expect with this card:

• 24-hour travel & emergency assistance
• Travel accident insurance
• Auto rental insurance
• Save at Capital One Saving ZoneSM on Yahoo! Shopping
• More Features

Overall, the no Hassle Cash Rewards for students is a very good credit card for students who are looking to build their credit history and hopefully become qualified for better credit cards. At the same time, you don’t have to sacrifice any rewards by getting this credit card. You do have to pay $29 in annual fees for all the features that you get with this card, but if you don’t have a good credit history, think of it as an investment towards a better credit history.