Credit Card Application

Joshua Shapiro asked:




This credit card is absolutely ideal for the book lovers out there. If you shop regularly at Borders or Walden books than get ready to start reading! As a card holder you earn great points for shopping at Borders, Walden Books, Borders Express, Borders Outlet and Borders and Walden Books online. With these earned points you can choose to receive a gift certificate to any one of the book stores listed above, gas or restaurant gift cards and many other great options. There is no limit to the points that can be earned so you can start earning right now!

Another added bonus for book lovers is that card holders will automatically be enrolled in the Borders Reward Program where you receive exclusive membership discounts and more! This Borders Rewards card also offers their card holders the standard benefits that no credit card can go without.

o Up to $500,000 in travel insurance

o Auto Rental Insurance

o A variety of travel emergency and services

If you are a card holder who generally carries a large outstanding balance on their credit card than you may find this particular credit card to be a bit more expensive than the others. The Borders Reward card program relies on the Two Cycle Average Daily Balance method to determine the finances that are to be charged to your account. This costs more for people to maintain a daily balance than it does when the Daily Average Balance is used. If maintaining a balance is your style of managing your credit card than this may not be the right card for you.

For card holders who would rather pay off their balances in full than you will find this credit card to be extremely satisfying. With no annual fees and the 0% interest rates on purchases for the first twelve billing cycles you are saving a bundle just by being approved! The application process is simple and easy to access online via their website. Once approved you can spend and earn at the same time!

Shannon

Joshua Shapiro asked:




The HESS Gas Card is the ideal reward credit card for those that are looking for the benefits of getting gas as their reward. If you frequent HESS, HESS Express, or WILCO HESS gas locations, then this credit card may be the right choice for your. You should have very good credit to qualify for these rewards, though.

The HESS gas card provides you with some pretty good rates as well as rewards. First you get an interest rate that is competitive. You will start with an introductory rate of 0% for six months that is applied to all purchases and balance transfers that happen in the time frame. After that time period, you are going to get 13.99% APR variable on purchases, a good rate. For cash advances, your APR is that of 23.99% variable.

If you carry a balance on your credit card, you will not benefit from the two cycles average daily balance method as this penalizes those that do carry a balance. There is no annual fee, though on the card. There is no set limit for credit so you will be able to get as much as you qualify for.

The reward program is quite beneficial to those that are HESS gas users. You will get a rebate between 1% and 10%. You get 10% rebate on all HESS, HESS EXPRESS, and WILCO HESS purchase during your first 90 days. After that, you will get 5% on these purchases and 1% on all other purchases. There is no expiration and there is no yearly limit on these either rebates either. Your actually rebate percentage is based on your specific qualifications so make sure you check this out.

If you shop at HESS locations, the HESS gas card is the ideal choice for you. You will save money on these purchases and be able to take advantage $500,000 in travel accident insurance, extended warranty and purchase protection as well as emergency card and cash replacement.

Curtis