Prepaid credit cards are a new concept in Canada. Until recently you could only get a prepaid credit card at Bank of Montreal (if you wanted a MasterCard) or Royal Bank (if you wanted a VIsa). Now, stores like Shoppers Drug Mart sell prepaid MasterCard Gift Cards. Vanilla MasterCard is the company that issues the prepaid MasterCards for Shoppers Drug Mart. Why buy prepaid credit cards? Prepaid ...

I have had a World Points Mastercard credit card for as long as I can remember. There is no annual fee and my annual interest rate is only 5% which is fantastic when I cannot pay it off every month. I earn one point for each dollar spent and the points can be used to purchase cash rewards, gift cards, and merchandise. I have been saving points for several years and just cashed in about 50,000 p...

We are very thankful for having BPI Express Credit Classic for almost a decade now. Our credit card accounts (husband and me) has a combined regular limit of 175,000 pesos and S.I.P. (Special Installment Plan) limit of 50,000 pesos. Their “BPI S.I.P. in Schools” promo is really a big help to us during enrollment time. I usually take my kids’ cost of enrollment out of our S...

The Chase Amazon Visa Card gives me points which can be used on purchases at Amazon.I don’t have a wallet full of credit cards... just two: Discover and Visa.  Previously the Visa card had no reward associated with it which bummed me out because there are a lot of places that won’t take Discover, which is why I had the Visa card in the first place.Now, however, for every dollar...

I was skeptical about credit cards before I owned one, but after owning Ambank credit card , now I literally cannot live without credit card . Cons: Free membership for life , Credit limit up to RM 7000. Offer online banking which enable us to check our account from 6am to 12 midnight online. the time stated is for security reasons. The personnel do double check with customers when it involves ...

This card has all the stuff you would expect from a credit card. Thier web site is good, thier payment options are good....online payments or send a check or have automatic withdrawal from your bank. Then same things they all have. Thier rates are good...mine is currently 8 percent. No annual fees. Thier other fees are high though. Thier late fee is $39.00 and if your online payment should be r...

I received my pre-approved offer for Total Visa Card by Plains Commerce Bank late last year. Having previously discarded all of my credit cards, I decided to fill out the form online. Why not? I could use some help re-building my credit.The interest rate was high, although I have seen higher on credit cards that were not even market toward low credit score ratings. The set up fee was charged to...

One of my mastercards came from Metrobank. The offer was made through a phone call. At first I am hesitant to give my personal information but they referred to one of my bank accounts which happened to be their sister company. They asked me to fax a statement of account of any of my credit card, especially the one with higher credit limit, as a reference. If there's one reason that got me i...

With most credit cards, the moment you sign up for them and your card gets approved, the annual fee for the first year is waived. That is what happened with my Metrobank Visa Card. But when the first year was over, I requested for the waiving of the annual fee (which I do with my other bank). They would not grant it. So I told them that I would like my account cancelled. The call center agent w...

When I was first out of high school, I must admit that I let my credit slide quite a bit.  Now that I'm older, I'm trying to reestablish my credit for the future.  This led me to look for credit cards that I could help rebuild my credit with. When I signed up for the Reward Zone Mastercard I was a little concerned about the annual fee of $79.  I even called the company...

I've been a Bank of Montreal (BMO) Gold Airmiles card holder for about 2 years now, let me tell you why I upgraded to the Gold Airmiles plan! I am an avid Airmiles collector. The Gold Airmiles MasterCard gives you 1 Airmile for every $15 spent on the card. You are also able to double-dip if you shop at an Arimiles sponsor, present your Airmiles collector card and pay for the purchase using ...

I've never been one to carry many credit cards. For me, just a couple of major ones are all that I need. Just in case there is a problem with one, then I still have the other.I've been a Discover card holder for about 5 years. From the very beginning, I was impressed with them. They were the first one that I was associated with that offered rewards for shopping. They offer higher r...

This is my first credit card and I am still using it for a decade now. The BPI Gold Mastercard has and continue to shower me with privileges and rewards then and now. This card is not only for my personal use but for my business as well. It entails many features and benefits more than I can have with my other credit cards. First, they are very generous to upgrade my credit limit on an annual ba...

Needing a credit card for an online purchase, I decided that I would try out one of these reloadable credit cards. I wanted to see what the rave was all about. Needless to say, I was less than amused. Ever since I've gotten it, I've had nothing but trouble. In order to receive my actual card, I have to fax a couple of things to the company. No where on the cardboard card does it say I h...

As a frequent traveller on Air Asia, I have been wanting to get this card for a long time already.I applied last year for this card but it was rejected because I have another credit card with Citibank. Then today, out of the blue , I received this long awaited card in my mailbox. As a regular Air Asia traveller this card has loads of benefits. First as a card holder, I can get pr...

I have a SERIOUS issue with giving out credit card or debit card numbers over the phone or on the internet.  When my husband and I decided to switch to Dish Network Sattilite the representative that we were talking to wanted a debit or credit card number.  So, my husband and I decided that we would go with the green dot one and that way if anyone gets ahold of our card number there wo...

The offer from this credit card provider came thru a phone call from a bank representative. I got interested to apply for it because I heard good features and that the bank is willing to match the highest credit limit among my other credit cards. To cut the story short, I got approved with the same credit limit of my other credit card. Below are several features of my East West Bank Gold master...

I am a professional and a businessman that is why maintaining several credit cards is more of an advantage to me than otherwise. Although to some it may sound not practical but personally I got benefitted from it several times already. It gives me convenience, power and flexibility but of course I need to be prompt with my obligations with them.Among the several cards I have, my Citibank Gold M...

I am not a fan of credit cards usually. But I do enjoy the perks of the Target Red Card. Target has a Pharmacy award program when using your Red Card. After filling 10 prescriptions and using your Red card to pay for them you will get a coupon in the mail for a 10% off shopping day at Target. My son has asthma so I get refills on 3 of his medicines every month, usually there are other medicine ...

Last August, we receive a credit card offer for the Chase Disney Visa card. Now normally I shred any credit card offers we receive but I decided to see what this one said. We are planning a trip to Disney World  at Christmastime next year and I thought the reward program might be nice. This turned out to be a wonderful introductory offer. They offered us 0% interest on all balance transfer...