American Express offers personal credit cards, travel cards and small business credit cards. Many offer reward benefits. Before considering any credit card offer from American Express, ensure it is the best offer for your particular needs.
Consumer Credit Lines
The following credit card offers from American Express are accurate as of July of 2010. Visit the company’s personal credit card user website for the most up to date offers.
Platinum Card: The Platinum credit card offers excellent service and rewards to customers. They receive access to airport lounges and invitation only events plus various travel privileges.
Want to earn rewards without accumulating debt? Well now you can with PerkStreet Financial’s first 2% cash back program for debit card users who have a daily opening balance of at least $5,000. Customers will continue to earn PerkStreet’s standard 1% cash back on all non-PIN debit card purchases even when their account balance is less than $5,000. The new “PerkStreet Financial Visa” Debit Card allows you to earn up to 5% cash back at preferred merchants or in specified categories, making available to the typical American family over $600 annually in exchange for their everyday spending.
As consumers watch credit card interest rates rise following the after effects of the Credit card Act of 2009, there seems to be good news. Zions Bank has a low rate Visa Platinum card that has been ranked as the top card in the country for the interest rates in the market for customers whit good credit scores. Zions card is beating 216 other cards and being ranked as the winner of “LOW APR” and also being listed as money magazine‘s 2010 Best Credit Card.
Zions Bank’s card which is a Low Rate Visa Platinum card has a rate which is introductory and at 7 % variable APR for new sales and no annual fee it is a great deal indeed. There a
Credit cards have undeniably helped many students get through with their finances. Tuition fees, books, dorm fees and other necessary costs are no joke to them. When parents don’t have all the money to get their kids to a college or a university or when kids don’t get much pay from their part-time jobs, credit is always the other option.
Most students obtain their basic credit history through student credit cards. These cards don’t need students to have credit experience and these are very helpful in cases of emergency. Aside
Credit: Flickr
Missing a credit card payment can happen from time to time, but whether it’s your first time, or maybe you’ve had it happen before, you’re probably wondering what the worst thing that can happen if you do miss a payment with your credit card company.
First off, you won’t want to worry too much if it is your first time doing it. If you’ve had this credit card for a long time now, the credit card companies more than likely won’t do anything if you send in your payment within the next few days.
The first thing that you should do is call them up and explain your situation. The key here to remain honest and calm. Tell them that you missed your payment and you’re sorry for doing so. If you’re a good customer, they will more than likely refund you the late fee and will let it slide.
Now, if this is the 50th time that it has happened, you’re not going to get anywhere. Since you have a history of doing late payments, the credit card companies won’t help you in this regard and will more than likely slap that late fee onto your bill.
Whats the worst thing that can happen with my late / missed payments?
If you continue to not pay your bill and let them add up over time, the credit card company is eventually going to give up. What they are going to do is more than likely keep your card account opened for 6 – 12 months and will try to contact you in the meantime.
They may sell off to a third party
If you do decide that you want to ignore them, they are going to sell off your debt to a third party. Once this debt is sold off to a third party, you’re going to find that you’re going to get harassed to no end. This is something that you don’t want.
You could get a letter from the courts
Now, after the 3rd party ignores your wishes, you’re going to find that they may throw a court summons your way. Again, once something like this comes, you won’t want to ignore it since it deals with the court system. If you fail to show, they will more than likely garnish your wages.
If you do decide that you want to pay after a couple of late payments, they will more than likely tack on fees, as well as increase your interest rate.
As you can see, its fairly important that you keep your payments up to date. If you fail to do so, all of the above can happen to you and trust me, its something that you don’t want!
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