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Credit Card | Top Companies: This Week's Reviews |
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| Services Offered:
Credit card with up to $7,500, guaranteed |
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| Company Overview:
First Plus Platinum was founded in 2007. The company has
a guaranteed approval credit line for all types of uses,
depending on consumer need. With thousands of customers
served each year, they are a strong company in the
credit card industry. They operate online only, but
offer a mailing address and phone number for account
holders. |
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| Our Review:
Getting a credit card can be a scary process if you’re
not prepared. There are so many companies out there, but
First Plus Platinum makes it easy and guaranteed that
you’ll get the credit card that you need, no matter what
type of credit you have. Their customer service is
great, and their instant approval and easy-to-use form
are added bonuses. |
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| User Review:
First Plus Platinum gave me a credit card when no one
else would. They helped me get the money I needed. I am
so thankful that I found them, and I can’t believe the
service that I got. They were the first company to treat
me like a person and not just a bad credit score. |
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| Services Offered:
Credit card, loans, and banking solutions online |
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| Company Overview:
Founded in 1999, Bank of Internet was designed as an
online-only lender, offering FDIC insured accounts to
consumers who wanted better rates. Their low overhead
allows them to give these rates to consumers, and they
also have more than $1 billion in assets. They are
headquartered in San Diego, but serve customers
nationwide. |
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| Our Review: Bank
of Internet has a reputation that precedes it. They are
a great company that offers a unique way of banking to
consumers. While many banks offer online access along
with a traditional account, Bank of Internet only
operates online, passing the savings on to consumers.
Their service is great, as are their products. |
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| User Review: Bank
of Internet had great rates on the credit card that I
needed. I wasn’t sure I’d find the one I wanted with a
rate I could afford, but since they work online, Bank of
Internet had exactly what I wanted. I can’t wait to tell
my friends, and I look forward to banking with them in
the future. |
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| Services Offered:
Credit cards for all consumers and business use |
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| Company Overview:
Discover was first debuted in 1986 during a Super Bowl
game. They have always offered rewards and no annual
fees on their cards. They have two payment networks,
which collectively had over 3 billion transactions in
2006. The PULSE network of Discover works with more than
4,400 banks and lending institutions, and has more than
260,000 ATMs worldwide. |
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| Our Review:
Discover Card has been a leading credit card company
since they were founded in 1986. Their products and
services are great for consumers and businesses,
regardless of need. Their customer service is, and
always has been, superb, and the website is easy to
navigate. Add instant approval to that equation, and
you’ve got a great service. |
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| User Review:
Discover Card has been a part of my family for
generations. When I was able to get a credit card of my
own, it was only natural for me to get a Discover card.
I love the service, the products, and the overall
feeling that you get as a part of this great company. |
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| Services Offered:
Credit card approval for all credit types |
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| Company Overview:
Credit Axis was established in 2003. They provide loans
and credit to all consumers, regardless of credit. Their
network includes more than 80 lenders and creditors, and
they offer information on government funding as well.
Their loans can be used for various needs, including
home purchases, business startups, student loans and
credit consolidation. |
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| Our Review:
Credit Axis is a great company for those with less than
perfect credit. They have something for everyone, and
their network is large enough to offer all kinds of
programs. Their website is simple to use, and the
customer service, as expected, is great. |
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| User Review:
Credit Axis was able to get me free credit cards when no
one else could. I found plenty of companies that would
give me a card, but they all wanted an annual fee
because of my credit history. I’m so thankful that they
were able to give me a chance, and I can’t believe how
easy it was to apply. |
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Other Top Companies for
Credit Card : |
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How to Use Credit Cards Properly and Choose the Best
Ones for Your Needs: |
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Credit cards
can be a great asset to any situation. However, when it
comes to using them, you must learn how to use them
wisely. The number of people who have filed bankruptcy
over the years and the recent decline in the economy and
near-failure of the lending industry have proven that
fact. Choosing a credit card to have around for
emergencies or responsible use depends on exactly what
you’re looking for and what you need from a credit card
company. For example, if you’re looking for an emergency
card with a low interest rate, you’d choose a different
card than someone who was looking for an occasional use
card with a rewards program. You need to make sure that
you’re getting a credit card for the right reasons,
though. If you can spend only what you can afford and
then pay off the balance each month when the bill comes,
you’re in the right place to get a credit card. If,
however, you intend on running up $5,000 or $10,000 in
debt and just letting it sit for months on end until you
pay it off, don’t even bother applying. Using credit
cards responsibly is essential to your financial
security. When it comes time to choose a credit card,
there are a number of options to choose from. There are
free credit cards, instant credit cards, and even
store-specific credit cards that can all help you with
whatever you need. A free credit card would be one that
has no annual fee, such as a card from a bank or
creditor. Instant credit cards are those which allow you
to apply online and receive instant approval, at which
point you’re given your card number so that you can
begin using it until your actual card arrives in the
mail. Store credit cards are great to build credit if
you’re a frequent shopper somewhere. As long as you’re
not spending more than you can afford, credit cards can
be a great asset to your financial stability and a great
way to grow and improve your credit over time.
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