Many consumers are interested in securing a high quality credit card in order to cover the payment for an expensive item or to provide a security blanket in the face of an emergency. Of course, it’s never a good idea to apply for credit cards simply to cover regular monthly expenses. If you overextend yourself with debt, you can find yourself in a difficult situation. If you plan on using a credit card responsibly, though, here are a few things to consider when choosing a credit card company.
Inquire About Fees
Always ask about fees before you sign up for a credit card. Late fees, early payment fees, and even fees for not using your credit card can sneak up on a credit card user.
Know Your Interest Rate
Also, it’s important to know precisely what your current interest rate is and how that interest rate can change in the future. A climbing interest rate is one of the most common causes of a monthly credit card payment that is simply too high for a customer to easily afford.
Choose an Established and Reputable Credit Card Company
Above all, it’s important while choosing a credit card company to work with an established firm with a reputation for high quality customer service. There are new credit card companies popping up every day around the world, and these credit card companies may try to entice customers with promises of low interest rates or perks that simply sound too good to be true, which may indicate an issue in the fine print.
These credit card companies often try to make headway in the credit industry by charging exceptionally high interest rates after an initial grace period. So, your interest rate may be exceptionally low for the first few months using your credit card, but the rate can jump up with very little warning, leaving you with a much higher monthly payment.
Benefits of Established Credit Card Companies
When you choose a reputable credit card company, however, you take fewer risks. These credit card companies have established themselves as businesses that provide excellent customer service. They aren’t trying to swindle customers. Instead, they are in the business of forming lasting and mutually beneficial relationships with customers.
If you follow these basic guidelines when choosing a credit card company, there is no reason why you shouldn’t be able to find a credit card company that offers low interest rates, great perks, and superb customer service.Read More
Travelling the world is a great way for an individual to expand his or her own world view, explore new cultures and civilizations, absorb a little history from around the world, and experience new challenges and ideas. World travel has long been considered one of the great investments that a person can make. Many people live their entire lives without venturing from their own hometown. While there is nothing wrong with being comfortable in your own location, avoiding travel can severely limit your understanding of the world at large.
Destination Spots in South America
Some people avoid world travel because they simply cannot afford to pay the airfare required to get them to their desired destination. Air travel is becoming more and more expensive, and many airlines are adding additional expenses that hike up the cost of traveling. Some consumers, however, are discovering the incredible benefits of using credit cards with airline mile benefits. When consumers spend money using these credit cards, they are awarded free airline miles to be used however they see fit. This is a great way to put the money you are already spending to work on your behalf. If you have accumulated some airline miles for personal use, one of the most incredible places to visit is the South American continent. While this continent shares part of its name with the United States of America, it is culturally and physically unique. Here are some of the most popular destination spots in South America.
Brazil is, by far, one of the most popular tourist destination spots in the South American continent. Brazil is the largest nation in South America, and it is filled with both busting urban environments and exotic, untamed jungles. Whether you are looking to experience a tropical excursion in the beautiful Amazon rain forest or hope to take in the nightlife or Rio de Janeiro, Brazil has something for everyone.
Chile may not be the biggest nation in South America, but it is the longest. Stretching along the entire western border of the continent, Chile is home to beautiful and historic ruins and civilizations, incredible mountainous regions, and amazing camping and hiking opportunities. Chile boasts some of the most impressive vistas in the world.
These are only two of the nations in South America. The continent is filled with beautiful attractions and vacation opportunities, which make this continent a great place to spend your credit card airline miles.Read More
A credit card that offers the benefit of accumulated airline miles is incredibly powerful for a responsible consumer. Here are just a few of the many ways that consumers can benefit from using these credit cards to make everyday purchases.
Using Airline Miles Credit Cards
Airline miles credit cards can be used just like any other credit card. These credit cards often have similar interest rates to other credit card companies, and they can be used wherever major credit cards are accepted.
Make Big Purchases
Credit cards enable consumers to make large purchases and then spread the payments for those purchases over a longer period of time. Instead of saving to purchase new appliances or new technological devices, for example, you can use a credit card upfront and then pay the balance on the item over the next few months or years.
Save in an Emergency
With a credit card, consumers can be prepared for the unexpected. It’s impossible to foresee the occurrence of accidents, damage to personal property, illness, or injuries. These occurrences, however, can be quite expensive. With a credit card, you’ll always be prepared for these events.
Earn Miles for Exotic Travel and Memorable Experiences
Of course, the major airline credit card benefit is the ability to travel and see the world for a reduced price. Many consumers suggest that they actually aren’t saving any money because they have to spend a considerable amount of money with the credit card in order to receive complementary travel miles.
Airline Credit Card Benefits
However, it’s important to remember that you’ll be spending that money on regular items anyway, so you might as well earn airline miles or travel miles on your purchases. If you pay off the monthly balance of your credit card each month, you won’t even be paying interest charges on your credit card balance. Essentially, you can receive free airline travel simply by purchasing the items you already would have purchased.
Traveling the world is a great way to create new memories, acquire new experiences, and expand your own world view to accommodate different cultures, ideas, and ways of life. Traveling by air can be quite expensive, but it is the most convenient way to travel. It makes sense to save money on airfare by using your airline credit card benefits.Read More
If you’ve collected airline miles through the use of a credit card with miles perks, you might be trying to come up with a creative way to redeem them. Instead of visiting a state that could be reached by car or bus, consider expanding your sights and focusing on one of the two non continental US states.
The Exotic Beauty of Hawaii
Hawaii is nothing short of a tropical paradise, and millions of tourists breathe the fresh, tangy air of Hawaii while on vacation. There are opportunities for swimming, snorkeling, scuba diving, boating, fishing, and surfing in the state of Hawaii, and there are several islands to choose from when planning your vacation. You can also take up offers with a Hawaiian airlines credit card to maximize your stay in Hawaii.
The Breathtaking Alaskan Experience
Alaska is the largest state, and it represents the last real untamed wilderness region of the United States. Alaska is twice the size of Texas, and it is covered by vast evergreen forests, small islands, glaciers, and enormous tundra. Alaska is filled with wildlife, and most of this state has been untouched by human civilization. If you are interested in viewing the world as it may have appeared thousands of years ago, on the non continental US, Alaska can afford you that opportunity. You can as well deepen the fun and adventure of your flight and stay in this frontier state with Alaska airlines credit cards. You get to enjoy premium flight perks and superb service while accumulating your miles.
Learn a Little U.S. History on Vacation
When you use your credit card airline miles to experience one of the two non continental US states you can prepare for your journey by doing a little research regarding the United States’ decision to acquire these far-away territories and turn them into states. The reasons for acquiring Hawaii and Alaska are quite different. The United States wanted a presence closer to the Asian continent, and this prompted the purchase of Hawaii. On the other hand, the chance to expand the territory of the country by purchasing Alaska, the biggest state in the Union, was one that the government couldn’t afford to pass up.
The United States of America has a unique and varied history, and this is only exceeded by the uniqueness and variations present in the different states of the union. While many people decide to travel in the continental states on vacation, experiencing the drastically different climates and sights of both Hawaii and Alaska is a great alternative. If you plan on visiting these non continental US states, however, it’s important to pay attention to both peak tourism information and climate information. There are specific times when using your credit card airline miles to visit either Alaska or Hawaii will provide you with the best possible vacation.Read More
There’s no reason to plan an overseas vacation with your credit card airline miles. You can use those miles to explore the beautiful West Coast of the United States. Here are some ways to get the most out of your West Coast American tours.
West Coast American Tours
The cities along the west coast of the United States are quite different from the hectic, bustling cities near the east coast. While there are large urban areas like Seattle and Portland, these cities emphasize the arts and the experience of culture. You can find sprawling bookstores, incredible shops, impressive theater and concert venues, and even exciting sporting events in cities along the West Coast. Many people travel along the edge of the coast from city to city to experience all this region has to offer.
Sampling the Wonders of Nature
While the West Coast is a great place for experiencing the excitement of city life, many travelers use their credit card airline miles to visit natural, forested regions or explore the miles of natural shoreline in this region. The milder temperatures and beautiful weather during the summer months makes this region of the United States a popular tourist destination. Hiking, camping, mountain climbing, white water rafting, canoeing, biking, surfing, boating, and other outdoor destinations are fun ways to experience this area on your west coast American tours.
Shopping and Dining
There are also many opportunities to shop for couture clothing, antiques, and other collectibles on your west coast American tours. Visitors to this region can find incredible dining opportunities, too, by sampling local fare and fresh seafood.
If you’re planning a vacation to the West Coast and you are using accumulated miles from credit card benefits, you may be able to invest some of the money you saved in a classier hotel or more comfortable lodgings. Many people try to save money by staying at large chain motels and hotels while on vacation. However, states like Oregon, Washington, and California have many charming, independently owned hotels, inns, and bed and breakfasts that can drastically improve the quality of your vacation.
You don’t have to cross an ocean to experience a beautiful and rejuvenating vacation. A domestic vacation to an undiscovered spot in your own country can be just as eye-opening and memorable. The West Coast of the United States is one of the most beautiful regions in the world. With natural vistas, charming coastal towns, and opportunities for shopping and dining, using your credit card miles on a USA vacation is a great vacation idea.Read More