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 received an offer for a Compass Bank Mastercard a few months ago, and since I've been attempting to rebuild my credit lately, I decided to apply online and see what happened. I was immediately approved for a Mastercard, and needless to say, I was quite excited.The terms of the card are not too bad. There was no enrollment fee, but the annual fee of $59 is deducted right away. I was given ...

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...

When I was in a period where I had bad credit and was wanting to rebuild my credit, The Orchard Bank Mastercard was one of the easiest cards to get approved for with bad credit. The one thing that this company is good for is giving second chances to people who are "credit challenged". The only problem is that they really tend to prey on these people and really seem to not be in the be...

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 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...

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...

The very first reason why I accepted the offer to be one of their card holders is that I like the flexibilities of my credit line. For a business, it will always be hard to borrow from banks using the credentials of your business aside from the fact that there are plenty of documentation, verification and credit investigation. Being an East West Bank Gold Mastercard holder entitles me to differ...

I have a limited monthly budget allowance for luxuries. But no matter how small (or large) my paycheck is, I will always buy groceries, gasoline, medicine, and pay my utilities every single month in full, in cash. Wouldn't it be great if a credit card would reward me for using it in the places where I actually do spend the most money every month... in the basic necessiti...

I really love this card. I've had it for about 3 years or whenever it first started. It was recommended by a friend of mine that worked at Radio Shack at the time. I like it because I always know my balance, it's pre-paid so I can pay my bills or make purchases over the phone or internet without anyone knowing my personal bank account information. At first I signed up for the $500 limit...

I am not one to usually endorse a credit card, let alone a credit card company. But I have to say I was sent one of those offers in the mail-and was curious what this card company had to offer. I went online-which is very convenient as it told me within 30 seconds that I had been approved. It didn't at that moment tell me my credit line-which was fine as I felt even 300 would be something t...

The Capital One Prime + 0.9% Platinum MasterCard is an excellent product. First off there are no annual fees for having the card - even on balance transfers! Also, you are guaranteed a rate of Prime +0.9% for as long as you are a cardholder! Most credit card nowadays only offer you a low introductory rate for a certain time period to get you to sign up and then increase your rate once the intr...

Our Citibank Gold Mastercard usually provides us with cash loan through their “call for cash” promo.  An accredited Citibank agent usually gives us a call when there’s a valid promo available for us and clearly states the terms and conditions on the availments.  The interest rate for this kind of promo ranges from 1.25% to 1.75% per month.  These interest rate...

An accredited Citibank telemarketer gave me a call sometime in June of last year.  The purpose of the call was regarding bill payments.  I let her did the talking to discuss further the offer. The offer was very appealing. With my Citibank Gold Mastercard I can be able to enroll my bills like telephone, electrical, mobile phone, insurance and others under an auto-debit arrangement o...

I have been using my Citibank Gold Mastercard for almost 3 years now and glad to have it. I really love this bank for giving me a 6-digit credit limit on the spot and keeps on increasing it. A great help also in my grocery business with their offer of Call For Cash at a very reasonable rate ranging from 1.25% to 1.75% per month only. The pre-approved cash loan will be phoned-in to you by thei...

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...

This Metrobank Gold mastercard of mine is one among my other credit cards where I can easily convert my remaining balance out of my credit limit into "cash" in any of their branches and in just an hour. This feature is what they called "Cash2Go." Inside the branch, I just need to ask for a conversion and present my credit card and identification cards and presto I can get th...

After being debt free for years, when we decided to return to a monthly car payment and had purchased the car and truck,  that seemed to signal to the world that we were ripe and ready to be the target for every credit card company on earth to send us their information and ring our phone "inviting" us to take advantage of their pre-approved this, that or the other thing. &nb...

It is very easy to get hold of a Commonwealth Bank Credit Card. All I had to do was apply online, and within 2 weeks I got the card in the mail. Activation was a simple process of ringing the bank and activating it. Within minutes of receiving the card I could start making payments. I have already made several instant online payments with the card, and many other payments such as fuel and car s...