The Benefits of Gas Rewards Credit Cards

You have a vehicle, whether it is a car, suv, or truck you need to go places in that vehicle. For most of us we use our vehicles on a daily basis. Not just to commute to work and back, but to take the kids to school, grocery shop, go to the gym, and a variety of different errands that need to be attended to. So what does every vehicle have in common? They all need to be filled with gas in order to function. No gas means no vehicle. This is what drives us all to the gas stations to spend a small fortune on the gasoline that helps us function in our daily lives. Shouldn't there be some way to get a break while continuing to pay the rising gas prices? There is and all you have to do is use your gas rewards credit cards. There are a variety of gas credit cards available to those seeking some sort of cash back incentive.

Think about it, it only makes sense to use a credit card for your gas needs as well as daily purchases. You would normally spend the money on all this, why not use your credit cards and be rewarded for it? These types of credit cards are offered through all the major names such a Visa, Master Card, Discovery, and American Express. No matter which card you prefer, they are all available to choose from.

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These credit cards offer a variety of cash back incentives such as cash back on regular purchases in addition to your gas purchases. Most people go grocery shopping at least every week or every other week. We all know that the price of shopping each month costs quite a bit, why not get something back on something you would purchase anyways? This applies to anything you would normally pay cash for or use your debit card on.

With the rising gas prices, everyone could use a little extra cash in their pocket. When you use your gas rewards card you can earn as much as 10% cash back whenever you use your gas rewards credit card to fill up your gas tank. Yes, you are actually getting some sort of benefit for purchasing gas for your vehicle. This just might help you to fill a little better about your next fuel purchase.

Just think about what this means when you go on vacation and use your car to get there. You will not only benefit to the relaxing aspects of going on vacation, but while traveling there you are able to earn cash back whenever you need to stop and gas up. It might actually be more beneficial to drive than fly when using your gas rewards credit cards, though many of them offer cash back rewards for normal purchases that aren't gas related.

What are you waiting for, look into getting your gas rewards credit card so you can start getting some cash back. You just use it for your normal gas and other purchases and begin benefiting from the cash back rewards. The sooner you get one, the sooner you'll start earning your cash back rewards.

The Benefits of Gas Rewards Credit Cards

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Building a Credit History - Learn the Basics

A credit history can be viewed as financial character reference. A good credit history is necessary for an easy bank loan, good job, for leasing apartments, negotiating cell phone deals and better insurance rates. Easy as it sounds, credit history warrants great vigilance from the user as one small mistake can take years to correct. A good credit history will give you a good credit score which is a measuring scale for your credit worthiness.

As with everything in life, starting out in the right direction is the best way to ensure a good credit history. There are some cardinal rules that a first-time credit builder should adhere to: Open a checking and savings accounts in a reliable bank: As an initial step toward building a good credit history, checking and saving accounts will reflect your ability to pay for immediate bills and will also show that you are saving for the future.

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Understanding the basics: A good credit score needs one to the basic understanding of the system. There are some simple conventions to be adhered to when operating a credit card; bills should be paid on time, live within your means and be prudent while spending. Keeping in mind that a single missed payment can undo an entire good credit history and the long years it will take to make up for that lapse. To avoid maxing out your credit limit, always use less than 30% of your credit limit to be on the safer side and remember that you don't need a balance on your credit card to have a good credit score. Paying your bills on time is the hard way to keep it in shape.

Always check your credit report: There are many sites online which can give you free information regarding your credit report status, make use of these and be alert to your scores. With Identity theft being prevalent these days, awareness of one's credit report will help one be on guard against it. Getting multiple reports from multiple sites will also help.

Go through your credit reports carefully: Credit reports are not infallible, going through multiple reports and being attentive to small or big errors is essential. As a consumer, it also helpful to keep in mind that negative information, like late payments, delinquencies, liens etc should be dropped after seven years, while bankruptcy can stay on your report till 10 years. Once you locate errors, the agencies can be asked to investigate them, this can easily be done online too.

Inclusion of information: Adding more positive information can increase your reliability in the eyes of the lender. Positive information can include, having the same job, address for a longer period of time, which throws light on your stability. While it does not directly affect the credit score, it is pertinent information used by the lender to substantiate your existing credit score.

Building a Credit History - Learn the Basics

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Key Benefits of Using a Lowe's Credit Card

Are you the type who would want to save money for other equally important expenses (like bills, etc)? If you frequent Lowe's, then getting a Lowe's Credit Card may be the perfect solution to your shopping needs.

The credit card itself is owned by GE Money Bank. (It is also the issuing bank.) They give you two card options: the Lowe's card (basic card) and the Lowe's Project Card.

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Lowe's is the standard card that can be used at Lowe's (and even at lowes.com). This card is mostly used by regular shoppers. They also offer deferred payment schemes and has an APR of 21.9%. Also, you don't pay interest for over 9 purchases, provided that it is paid off within 6 months or less.

For an initial qualifying purchase of ,000, you can get the Lowe's Project Card. This card caters more to business customers than the regular customers. With a credit limit of about ,000, the said card allows you a "6 month project window" - in essence, no interest in those 6 months, and no balance due for purchases. Its APR will be at a range of 7.99% to 17.99, at least for the first project. Plus, if you are considering major home improvements, a larger credit line can be made available for you.

Both cards offer the following benefits:

-Applying for a Lowe's card is easy and fairly fast. Upon application, the applicants with a good to fair credit rating would almost always receive approval. You can apply at any Lowe's store or online. The bank would then check credit history and may take a maximum of 7 business days upon approval of application. Online applications get an instant response.

-There is no annual fee.

-Low monthly payments.

-You can change the credit line.

-They have several financing options, aside from the usual discounts. One of those is the deferred payment scheme.

-Secure Sockets Layer (or SSL) is used to help protect online transactions. Basically, this technology uses encryption of sensitive account information, ensuring that online account transactions are safe to do.

-You can do online transactions as well, specifically requesting for a credit balance refund.

-They can add supplementary cards for other members of the family with no extra charges.

-The aesthetically conscious person has three card design versions to choose from.

-They offer a grace period of 26 days without your account incurring interest.

-You can receive your bills online via their E-Bill facilities.

So if you are thinking of doing home improvements, consider getting a Lowe's. A simpler, easier life - that's what Lowe's can do for you.

Key Benefits of Using a Lowe's Credit Card

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Key Benefits of Using a Lowe's Credit Card

Are you the type who would want to save money for other equally important expenses (like bills, etc)? If you frequent Lowe's, then getting a Lowe's Credit Card may be the perfect solution to your shopping needs.

The credit card itself is owned by GE Money Bank. (It is also the issuing bank.) They give you two card options: the Lowe's card (basic card) and the Lowe's Project Card.

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Lowe's is the standard card that can be used at Lowe's (and even at lowes.com). This card is mostly used by regular shoppers. They also offer deferred payment schemes and has an APR of 21.9%. Also, you don't pay interest for over 9 purchases, provided that it is paid off within 6 months or less.

For an initial qualifying purchase of ,000, you can get the Lowe's Project Card. This card caters more to business customers than the regular customers. With a credit limit of about ,000, the said card allows you a "6 month project window" - in essence, no interest in those 6 months, and no balance due for purchases. Its APR will be at a range of 7.99% to 17.99, at least for the first project. Plus, if you are considering major home improvements, a larger credit line can be made available for you.

Both cards offer the following benefits:

-Applying for a Lowe's card is easy and fairly fast. Upon application, the applicants with a good to fair credit rating would almost always receive approval. You can apply at any Lowe's store or online. The bank would then check credit history and may take a maximum of 7 business days upon approval of application. Online applications get an instant response.

-There is no annual fee.

-Low monthly payments.

-You can change the credit line.

-They have several financing options, aside from the usual discounts. One of those is the deferred payment scheme.

-Secure Sockets Layer (or SSL) is used to help protect online transactions. Basically, this technology uses encryption of sensitive account information, ensuring that online account transactions are safe to do.

-You can do online transactions as well, specifically requesting for a credit balance refund.

-They can add supplementary cards for other members of the family with no extra charges.

-The aesthetically conscious person has three card design versions to choose from.

-They offer a grace period of 26 days without your account incurring interest.

-You can receive your bills online via their E-Bill facilities.

So if you are thinking of doing home improvements, consider getting a Lowe's. A simpler, easier life - that's what Lowe's can do for you.

Key Benefits of Using a Lowe's Credit Card

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3 Benefits of Building Business Credit For Any Small Business

Any small business could stand to benefit from properly building business credit in it's name. Many small business owners are unaware that their business can have it's own credit file and credit rating separate from their personal credit files, and even fewer know how to establish and build business credit in their business's name.

There are countless benefits to building corporate credit for your small enterprise, but I'll focus on the 3 most important

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Benefit 1

Access to loans and lines of financing when the economy takes a turn for the worst. If you've properly built up your business's credit file when an economic downturn takes place, you're better positioned to weather the storm. Sometimes just having access to some "cushion" financing to get through the rest of difficult month can mean the difference between staying in business and going out of business.

Benefit 2

Protecting your personal FICO score. The more credit lines and loans that a small business owner uses their personal credit to secure, the more drag it places on their personal FICO scores. This is can become a terrible situation if your FICO scores drop to the point of having the interest rates increased on your existing card accounts because now you seem risky to the lender.

Benefit 3

Ready for expansion. Sure things may be tough right now, but by having properly built your company's credit file, your enterprise will be poised ready to spring into expansion by having capital access to lines of financing from such companies as Home Depot and Lowes, who both offer generous lines to those that have built their corporate credit properly.

Building corporate credit can be one of the best things you can do for your small esterprise. Even though many lenders and loan officers would rather that you supply a "personal guarantee" for any company-oriented loans or lines of credit your company opens, the true freedom comes from having your business's finances and credit rating stand separately from your own.

3 Benefits of Building Business Credit For Any Small Business

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Lowe's Credit Card Features and Advantages

Lowe's Credit Card Features and Advantages

Getting a Lowe's credit card is a good option for people who frequently shop at Lowes. It comes with a host of benefits that would appeal to people who want to save on money even while shopping.

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Offered by the GE Money Bank, Lowe's basically has two types. The first one is made for the regular customer who mainly shops for retail items. The second set termed as "Project Card" for those who intend to purchase items in large quantities or for business purposes.

Card Application and Benefits

Applying for a Lowe's credit card is quick and easy. It takes about seven day for the bank to check credit history and provide approval upon application. Online application is also applicable via lowes.com. The credit card comes with an APR of 21.99% and offers deferred payment options during membership.

Users can utilize the card for whatever purchase they make at all Lowe's stores. The card provides various benefits for its users including the absence on an annual fee and online transactions like requesting for a credit balance refund.

Holders of the credit card can also include additional users without extra charges with a swift card replacement service. Credit line changes are also entertained by the service.

The grace period where people can pay their bills without incurring interest is 26 days with an e-bill facility to accommodate fast payment transactions. Lowe's utilizes the Secured Socket Layer for greater protection.

Project Card Application and Benefits

For the Project Card, holders can has as much as ,000 in credit limit with a 6 month window allowing users to purchase items without having to worry about balance or interest. Application for the Project Card is somewhat stricter than the regular credit card. Applicants would need to have an initial purchase of not less than ,000 before the application procedure continues.

Both card types come in three different designs to choose from, allowing users to be versatile in their style choice.

Customer Service

The customer service for Lowe's credit card is among one of the most accommodating today. They also come with an online site that provides various information for people who want to update their current balance. This is an excellent way to keep updated when it comes to bills as well as payment options.

Of course, like many cards, Lowe's also comes with a few drawbacks including the absence of rewards and offers to long-time cardholders. It also takes a long time to process payments especially when done through the mail, making it difficult to get an update of the balance immediately.

With most of the benefits of the Lowe's credit card, availing of the service would be a good option for people who spend a lot of time shopping in the store. Homeowners who are also refurnishing their houses would reap benefits by applying for Lowe's Project card, providing them with a sic-month time span to purchase items at credit without having to pay for additional interest fees.

Lowe's Credit Card Features and Advantages

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