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

Morgan Hamilton asked:




Filling out a 0% interest credit card application is a wonderful way to save money. It most especially makes sense if the 0% APR is also good on balance transfers. Of course, whenever you see a zero percent offer you must realize that it is an introductory rate.

Credit card companies are not in the habit of lending money for free. The introductory rate for most charge card offers lasts between 6 to 12 months, although I have seen some that are good for 15 months. The Advanta Platinum business card comes to mind.

The reason that most people seek a zero percent card is that they are trying to consolidate debt on one or more credit cards that they are currently paying high interest rates on. And why not? It’s the smart the thing to do. If this is your motivation then please take the time to look over the terms of service and payment policy outlined by the bank or issuer.

In some cases the 0% interest credit card application will stipulate that the offer is only good for new purchases and not credit card balance transfers. If you are planning on making a sizable purchase and would like some time to pay it off then this type of deal is an excellent option to consider.

As long as you pay off the entire amount in full before the introductory period lapses, well then you just had the benefit of a free loan. Pretty smart way to go. You must have a solid credit history to qualify for theses types of cards. If you do have a good credit rating then there are no shortages of offers to choose from.

All of the major credit card issuers offer 0 APR deals. No matter if you prefer Visa, Mastercard, American Express or Discover Card, they all have many charge cards that come with zero interest rates. You will want to pay attention to fees charged. If the issuer wants to charge you an annual fee then just move on to the next one.

There is no way you should have to pay annual fees on a credit card, unless it is accompanied by some other extraordinary benefits and rewards. The vast majority do not. Be sure that the 0% interest credit card application that fits your financial needs does not have any hidden terms or conditions that may prove expensive down the road.

Lawrence

Joseph Kenny asked:




If you have never applied for a credit card before, there are things you will need to know about them. Credit cards can bring you a convenience which is unrivaled by using cash or checks. Despite this, using your credit card improperly and can lead to a financial hardship which is difficult to overcome. Many credit card companies will now allow you to apply for cards online. This has made it easy for people to compare credit card offers.

The first thing you want to do is look for a credit card which interests you. It should be a card which has a low interest rate, and you will also want to get cards which have no annual fees. Some companies offer an introductory rate of 0% APR for the first 6 months. There are a large number of reputable sites online where you can compare credit card offers side by side. Make sure that the site you use is encrypted.

When you apply for the card, you will need to have some basic information on hand. You will need your social security number, driver’s license information and your address. You may also have to submit your date of birth. Once you submit your application, the credit card company or bank will review it. The amount of time it takes for them to approve or reject your application varies. It could take a few weeks, and the better your credit, the faster the process will take.

When you go online, remember that not all websites may be secure. Look for sites which use an SSL encryption system. You don’t want to submit your personal information to sites you’re not sure about. You can apply for one credit card, or multiple credit cards. It is important to remember that having too many accounts could lower your credit score. There are limits to how many cards you can have, and this is usually based on your income. It is also not necessary to have a bank account in order to be approved.

If you have detailed questions, it is best to contact the customer service department. Shopping for credit cards online can allow you to compare the different offers available from the comfort of your home. You can look for the best interest rates and features. While shopping for credit cards online is fast, it is important to remember that some websites are fraudulent. Applying for credit cards has never been easier.

Karen

Court Tuttle asked:


You are looking through your credit card application, knowing that every detail you are reading is important. After all, you’ve heard so many times how people got fooled by credit card companies because they neglected to read the fine print. So that’s what you are trying to do now, but it’s turning out to be completely impossible!

The first step in the right direction is that you have recognized that you need to understand what you are reading. Knowing the details about your credit card application, like what your interest rates will be, if there’s an expiration date on the introductory rate, if it is a rewards card, and knowing similar details will allow you to get the credit card you want with no surprises. But how can you possibly understand what kind of a deal you’re getting if you can’t even understand the words they’re using? Here are a few terms that are often used in credit card applications and what they are referring to.

Revolving credit, or open-end credit, refers to a credit card that will allow you to charge on it up to a certain limit. This is probably the kind of credit card you are applying for. This type of credit may be used repeatedly, even after you have paid off the balance.

A fixed rate is an interest rate that will not change over the time that you have a credit card account open. Fixed interest rates are good in many cases because you can predict how much you will be paying each month, rather than having to wait and see. Still, fixed rates are often higher than variable interest rates.

Variable interest rates are those that changes according to the economy. There is a limit, however, on how high and how low the interest rates can get. This helps because, though you do not know what exactly your interest rate will be for that month, you will know what range it will be in, and you may benefit from the times that it is lower than average.

Something you can do that will help you to better understand the terminology on your credit card application is, while you are reading it, mark things that you do not understand. This way, when you can get a representative from the credit card company on the phone, you can ask them about it. Be sure that you know what they’re talking about before you go on, instead of leaving it alone because they are having a difficult time explaining it to you.

One thing that you definitely should not do is throw the papers away once you have applied for the credit card. The terms and conditions will be what the company will refer to in the future when and if you ever challenge something they did. You need to know what those terms and conditions are, be able defend your rights concerning them, and refer also to the papers on which they are printed.



HERSCHEL

Louis Tsui asked:


We have all gotten them, the unsolicited mail from a random credit company telling us that we have been pre-approved for a credit card with a limit up to a certain amount (this depends on the current promotion the credit card company is running as well as the strength of your credit score), but that we need to act fast or the offer will expire within a limited time frame. These offers, while many consider junk mail, can actually provide you with you a great line of credit with a very reasonable APR (annual percentage rate) and by taking a few minutes of your time to fill out the instant approval credit card application online, you may just find yourself with a brand new line of credit that you can use right away — this is often helpful if you have high interest cards with balances that you would like to transfer to your new credit card.

Highly secure, the benefits of using an instant approval credit card application include the fact that you have been pre-screened for the credit offer and the chances of you being approved are very high; often times these credit cards come with a fantastic introductory rate that will last 6 to 12 months and include any balance transfers you may want to complete at the time of application; instant approval takes a relatively short amount of time and once you have filled in all the necessary information, you can have your decision as quick as a couple of minutes. These benefits are very attractive in this fast paced world we have created and live in, not to mention in these trying economic times, having a ready backup to emergency cash is always a good thing to have set aside.

So, you see, receiving a pre-approval letter for credit in the mail can often lead to the good things mentioned above, especially the peace of mind knowing that if something ever goes wrong, you have a way to make it better in the short term. So the next time you get an instant approval credit card application offer in the mail, do not automatically assume it is junk mail, open it and take the time to research the offer — you may find that this is the right line of credit for you.

Article By Louis, CardKudos[dot]com



ROBERT