citi credit monitoring http://www.artwoo.com Returned search results for citi credit monitoring Copyright 2008 Sat, 22 Nov 2008 13:19:54 +0000 http://www.artwoo.com/rss/citi+credit+monitoring Credit Monitoring Services http://www.artwoo.com/article/credit-monitoring-services http://www.artwoo.com/article/credit-monitoring-services#comments Sun, 05 Aug 2007 06:20:01 +0000 credit monitoring servicescredit monitoring serviceemailcredit scoreproactivecredit reportimproving credit http://www.artwoo.com/article/credit-monitoring-services s provide consumers with a suite of tools that help you to take action in monitoring your , while protecting your credit and identity information. Monitoring services notify you via and/or wireless telephone instantly of any changes made to your credit report, which can help you identify fraudulent activity faster, and therefore minimize the negative impact it would have on your credit.

Notifications by Credit Monitoring Services

What types of activity will generate a notification or alert from the credit monitoring services? As a member of such a service, you'll receive notification whenever your address has been changed, a new account has been opened, or when an existing account has been changed. This is extremely valuable information as you will know immediately if someone is attempting to use your good name to obtain financing. Time is of the essence when dealing with credit and identity fraud, and without credit monitoring services, it could be several months before you are aware of fraudulent activities.

Tips for

Most credit monitoring services also provide a host of tools that allow you to see what your is at the current time, as well as steps you can take to improve it. Since credit scores are used to determine whether or not to extend individuals credit and at what interest rate; it's important that your score be as high as possible.

Citi's Credit Monitoring Service provides a very useful credit analyser function that allows members to determine the effects of several types of activities on their credit score. For example, if you're considering applying for a car loan, you can use the analyser to determine how much of an impact applying will have on your score, as well as what would happen if you obtained the loan or applied and were denied the loan.

You can also use the analyser to view how missing a payment or two might effect your score overall, or determine which activities will raise your score the most and how long it will take. Extremely useful for individuals who are working diligently to improve their credit score, the Citi Credit Monitoring Service with credit analyser takes the guesswork out of improving your credit.

Identity Theft Insurance

Many credit monitoring services offer identity theft insurance programs that will reimburse members of the credit monitoring service up to a certain dollar amount if there are instances of fraud. (This service is not available to individuals living in the state of New York.) Typical expenses that are covered by identity theft insurance include:

Lost wages for several weeks of work missed if you take time off to deal with the fraud Repayment of notary or certified mail costs for the delivery of affidavits. Long distance phone costs in conjunction with the fraud Attorney fees incurred for dealing with the fraud

Companies Offering Credit Monitoring Services

There are numerous companies that offer credit monitoring services. Most of the services offered are the same or similar, but a few companies having notable differences may make their services more beneficial to individuals.

If you're looking to improve your credit, you want to be sure a credit monitoring service offers an analyser, like Citi Credit Monitoring Service, TrueCredit, or Identity Guard.

If you want to see results from all credit bureaus, then it's important that you select a company that provides access to all of the major credit bureaus and not just one. Equifax offers a credit monitoring service, but only for your credit information with Equifax. Each of the credit bureaus may report slightly different information, so you may want to go with a service that can provide access to all 3 of the major credit reports. This article has been provided courtesy of Creditor Web, http://www.creditorweb.com ]]> Those Amazing Citibank Credit Cards http://www.artwoo.com/article/those-amazing-citibank-credit-cards http://www.artwoo.com/article/those-amazing-citibank-credit-cards#comments Sat, 02 Jun 2007 23:14:57 +0000 citi credit cardscitibank credit cardsciti credit cardcitibank credit cardbusiness cardscredit card issuercredit card transactions http://www.artwoo.com/article/those-amazing-citibank-credit-cards s are a great choice for consumers to consider and are some of the leading credit cards in the business. s are available in many different types, from to cards designed specifically for college students.



When you need a credit card, go for Citibank credit cards. Why a Citi credit card? A Citibank credit card is credit in your pocket. The Citi Group Corporation has issued over 145 million cards in more than 40 countries, making it one of the most successful credit companies in the world. Citibank credit cards offer many built-in benefits to their credit card customers. These benefits include enhanced security for , plus banking, money management, and travel services. For more information about these benefits see Citi credit card applications, the section on terms and conditions of offers. The various Citibank credit cards are tailored to meet the specific needs of different customers, such as frequent travelers who can get various travel and air mile rewards by using Citi credit cards.



Now you can apply for Citibank credit cards and get instant credit card approval online. The online credit card application is easy to use and secure. When you complete and submit it, if it is a reward card, you start earning rewards on your credit card transactions. From American Airlines awards to college savings, Citi credit cards offer a wide range of rewards and savings options. With Citibank being such a popular , many people are demanding the new cards from this bank. Also, many Citibank credit cards have no annual fees, and the credit cards have a $0 liability policy. Citi credit cards are a great choice for those who like to be rewarded on what they buy. Citi credit cards have a lot to offer for consumers who want their credit card to work for them and their cards also offers cash back and other rewards-based cards for students, consumers, and businesses. Citibank is well-known for its wide variety of credit card offers to both consumers and small businesses. The CitiBusiness card gives you an easy way to manage your expenses. The card also offers access to a free rewards program, top-notch credit card tips and advice to help you save money. Let the credit card help you grow and expand your business with quality services you can rely on from Citibank. Citi is dedicated to keeping its customers safe from identity theft, has several safeguards available and as previously noted, cardholders are not responsible for fraudulent purchases made with their account. Citi will contact cardholders if suspicious activity appears on their account, making it easier to stop credit card fraud before it gets too far. Citibank offers so many great benefits that many consumers have at least one Citi credit card in their wallet.

With so many different Citibank cards on the market, they literally offer something for everyone and their credit cards are packed with features like Identity Theft Solutions, 0% APR and free reward programs. Citi credit cards are the only ones that let you request a balance transfer in the form of a check to yourself. Without a doubt, Citi credit cards are a great choice for those who like a low apr and great rewards and may be the next card you select for your financial portfolio. Art Taylor has been a successful internet marketer for 10 years. He publishes articles about credit cards and other internet marketplace products. To gather more information or apply for credit cards visit his websites at: http://www.ecreditcardworld.info or http://www.eshopperworld.com ]]> Citi Credit Cards: A Look At The Top 4 http://www.artwoo.com/article/citi-credit-cards-a-look-at-the-top-4 http://www.artwoo.com/article/citi-credit-cards-a-look-at-the-top-4#comments Mon, 17 Apr 2006 22:50:04 +0000 citi credit cardsciti credit card0 apr on balance transferscitibankcredit card offerscredit card companiesidentity theft http://www.artwoo.com/article/citi-credit-cards-a-look-at-the-top-4 credit card offers available to the public, consumers often have a difficult time choosing the one that's right for them. , one of the leading in the United States, has a variety of cards from which to choose. I will now highlight four Citi offers for those trying to decide which card is the right one for them. I picked the following offers to highlight based on their popularity on my website, www.credit-card-surplus.com. Read on for information about the top four .

Citi Platinum Select Card

One of the most important factors when choosing a credit card is security. With on the rise, consumers need to take extra precaution to ensure that their financial and personal information is secure. The Citi Platinum Select card is a great choice for safety-conscious individuals because it comes with a photo and signature option on the front of the card and Citi will temporarily block your card if strange activity is noticed.

The Citi Platinum Select card has no annual fee and 0% APR on purchases and balance transfers for the first twelve months. This means that you can consolidate your debt by transferring balances from other credit cards onto the Platinum Select card and be relieved of paying interest for one full year . There is also no balance transfer fee for the initial transfers. And if you're in a hurry to get a decision, you can apply online and get an instant response. I recommend this card to anyone who wants top security in their credit card and who doesn't want to pay an annual fee.

Citi Dividend Platinum Select Card

Rewards are a major factor when trying to find the right card. If you plan to use your credit card for everyday purchases -- such as groceries and gas -- then a reward card will give you more benefits than a standard credit card. Citibank offers the Citi Dividend Platinum Select card, which also has no annual fee and 0% APR on balance transfers. You can consolidate your debt while earning cash back on all of your purchases.

When you use the Citi Dividend Platinum Select card, you get 5% back on purchases at supermarkets, drug stores and gas stations. With all other purchases, you receive 1% back. I recommend this card to anyone with balances on other cards, and anyone who uses their credit card regularly. If you're going to pay with a card, you might as well earn cash back.

Citi PremierPass Card

This is another reward card from Citibank, but it's approached from an entirely different direction. Citi has implemented something called the "Thank You" program, which allows customers to earn points when they use the card. The points can be redeemed later for merchandise and airline flights.

Again, this card has no annual fee, which means that you don't have to pay to use the card. When you use it to buy airplane tickets, you earn Flight Points, and when you use it to buy other goods, you earn Spend Points and Purchase Points. As soon as you make your first purchase, Citi gives you 15,000 bonus points, which is a great way to get the ball rolling.

Citi Diamond Preferred Rewards Card

Another favorite Citi card is the Citi Diamond Rewards card. The structure is very simple, and the card rewards you for spending money on everyday necessities. When you use the card at supermarkets, gas stations and drug stores, you receive five points for every dollar you spend, and when you use it elsewhere, you receive one point on the dollar. Citi gives you 5,000 bonus points after your first purchase, which can be redeemed for a $50.00 gift certificate. It's a great card for anyone who wants to see benefits right away.

This card carries no annual fee, with 0% APR on balance transfers for the first twelve months. This card requires excellent credit for approval, but it has a low APR for a rewards card. I recommend this card to anyone who needs online support and who uses their credit card to pay for everyday purchases.

Now remember, whatever Citi credit card you choose, make sure you understand the terms and conditions, and use your credit card wisely. Click here to find Citi Credit Card Offers http://www.credit-card-surplus.com/citibank.php.. Ed Vegliante runs http://www.Credit-Card-Surplus.com, a credit card directory helping consumers to compare and apply for credit cards. ]]> Your Citi Master Card And The Next Best Things In Life http://www.artwoo.com/article/your-citi-master-card-and-the-next-best-things-in-life http://www.artwoo.com/article/your-citi-master-card-and-the-next-best-things-in-life#comments Wed, 20 Jun 2007 03:29:55 +0000 citi master cardfairy talecognizantswipegeniewindfalloracle at delphi http://www.artwoo.com/article/your-citi-master-card-and-the-next-best-things-in-life genies of the lamp will find it impossible to grant you three wishes without first asking you to fall in line or pay a deposit first. But who says you need a genie to obtain the next best things in life? You don't need a fairy tale or a genie. For that, you need a .

A citi master card is comparable to a weapon in that it puts vast spending power at your fingertips. As such, it can be subject to misuse and abuse. Do you want that new entertainment system? You can it with your citi master card. In need of a new couch? That, along with other furniture, is just one swipe away. There is very little you cannot buy or do with a citi master card. So, how do you ensure you do not dig yourself into a debtor's hole so deep it's no longer possible to bail you out?



Golden Rules

Where your citi master card is concerned, there are two golden rules to remember. The first is "Know yourself." The second is, "Do onto your card what you would have others do onto you."

The offer very good advice: know yourself. After all, with self-awareness comes self-restraint. The only way to curb disastrous spending patterns is to be that these patterns exist in the first place. Ask yourself the following questions.

1. Do you buy impulsively?

2. Do you feel invisible and left out of the loop each time there is a new trend and you aren't a part of it?

3. If you receive a , do you rush to your favorite store and blow the entire amount on everything you had your eye on while window shopping days back? Or, do you set aside the entire amount as?

4. Do you plan to make monthly payments on your citi master card's credit balance?

5. Will you be using your citi master card frequently or for emergency situations only?

How you answer the questions above should give you some idea about your spending style. Identify your weak and strong points, and consider these to measure your citi master card's compatibility with your needs.



Gone Golden

A citi Master Card is proof that with great power comes great responsibility. If it's unlimited power you're after, however, go for gold. Go for a Gold Master Card. Given only to people with strong credit history, a Gold Master Card puts the power of a wallet that never dries up inside your pocket. Depending upon which bank issued your Gold Master Card, your plastic could have a minimum credit limit of as much as $7,000.

It's true the best things in life are free. The next best things, however, do not. Your citi master card will help you chase happiness the department store way. Shop more, shop now with a citi master card ( http://www.creditcardmonitor.org/mastercards.php ). Whether its second chance credit cards ( http://www.creditcardmonitor.org ) you need or balance transfer credit card application ( http://www.creditcardmonitor.org/balancetransfers.php ), http://CreditCardMonitor.org can help you. ]]> Use Citi Bank Student Loans To Complete Your Education http://www.artwoo.com/article/use-citi-bank-student-loans-to-complete-your-education http://www.artwoo.com/article/use-citi-bank-student-loans-to-complete-your-education#comments Tue, 19 Feb 2008 23:30:00 +0000 private student loanssubsidized and unsubsidized loanscitiassist loanstudent loans programgoing to extremesapplying for a student loanstudents graduates http://www.artwoo.com/article/use-citi-bank-student-loans-to-complete-your-education
So, if you are , there is no better choice than Citi Bank . Citi Bank student loans enable students to fulfill his dreams of a college education without or too much of a hassle. For some going to college is, after all, a very stressful experience in itself. Adding to the stress are the normal expenses every student must pay including tuition, books, miscellaneous fees, lodging, and the like. Many students, in fact, become so stressed that they drop out of college altogether as a result of money concerns. There really is no reason to quit as there are many options that a student can use to get their diploma.

One such option is a student loan at a financial institution. Citi Bank is just one of many financial institutions that have both public and private loan packages available. In addition to the usual federal , Citi Bank offers , through its Program. This particular City Bank is fitted for all types of students, graduates or non-graduates, and even high school students.

Getting into and apply for the CitiAssist Loan Program is relatively easy and convenient. If you have a legitimate address in the United States and an internet connection, you may even do this online, and you are guaranteed a credit response in just three minutes. You also have available the traditional way of applying at any Citi Bank branch office.

To qualify to the CitiAssist Loan Program, you must be presently enrolled in college, or at the very least, accepted by a university and planning to attend a normal undergraduate program at an accredited school in the United States. Good academic performance is not required of a student to be eligible to the program, but a favorable credit rating may work as an advantage in having your application approved.

An advantage of the CitiAssist Loan Program is that it does not have loan limits. You can borrow as much as the actual cost of the attending school at very competitive interest rates. Payments are deferred while still in school or during the grace period of six months upon graduation, but they are encouraged because early and consistent repayments can significantly lower the interest rate. Further, this program offers a twenty-year period repayment term which can help reduce your monthly payments. All of which allows you to have more spendable income available when you first enter the job market.

If you have multiple student loans you may want to seek some student loans consolidation advice. Consolidating your student loans with a Citi Bank loan may save you a lot of money over the life of the loan.

Do not give up on attending school just because of financial worries. Contact Citi Bank student loans department on line and make an application. You may be surprised how easy and affordable your education can be. James Kesel, MS, is the publisher of the Student Loan Consolidation Advice website at http://www.student-loan-consolidation-advice.com. Providing important information on Student loans and student loan consolidation. ]]> Gas Rewards Credit Cards: A Look At The Top http://www.artwoo.com/article/gas-rewards-credit-cards-a-look-at-the-top http://www.artwoo.com/article/gas-rewards-credit-cards-a-look-at-the-top#comments Tue, 06 Jun 2006 18:32:08 +0000 earn rewardsciti dividend merchant network0 interest on balance transfersgasoline purchasesrebate cardssaving moneycredit card http://www.artwoo.com/article/gas-rewards-credit-cards-a-look-at-the-top
One of the most effective ways to reap a few rewards on is to purchase a gas rewards . More and more people are applying for these cards so that they can earn cash back and discounts for every gallon of gas they purchase.

There are four major advantages to obtaining a gas rewards credit card:

1. You can for other purchases -- not just gasoline 2. When you use the card to buy gas, you know that you'll be in the end 3. Many Gas have low APR's with no annual fee 4. Some gas rebate cards charge 0% interest on balance transfers

Take a look at three top picks for gas cards, and choose the one that's right for you. With no end to the gas price surges in sight, you might as well be getting rewarded for purchasing gasoline.

Discover Platinum Gas Card

The Discover Platinum Gas card is a cash back credit card that allows customers to earn 1% cash back on all regular purchases, and 5% cash back on gasoline purchases. It has a twelve-month introductory APR of 0% for both purchases and balance transfers, with no annual fee. In addition to the 5% cash back reward system, customers can double their reward points when they redeem them for gift certificates at Discover's partner merchants. Discover offers several benefits, including fraud protection, 24-hour customer service and online bill pay. .

Citi Dividend Platinum Select

Unlike the Discover gas card, the Citi Dividend credit card offers 5% cash back for purchases at drugstores and supermarkets as well as gas stations. When you use your card at those locations -- called the - you receive 5% cash back on all of your purchases. You also receive 1% cash back at other locations.

This card has no annual fee and an introductory APR of 0%, but the regular APR is higher than Discover. This card is better used by customers who plan to pay off most (if not all) of their balance each month. Platinum customers also receive travel insurance, Citi's Lost Wallet Protection Service and Citi's PhotoCard service for added security.

Blue Cash from American Express

The Blue cards from American Express have been exploding across the market lately, mostly because of the reward programs and the low APR's. The Blue Cash card, like the Citi Dividend card, offers fast cash back at multiple vendors, such as drug stores, gas stations, super markets and home improvement stores. They also offer the same cash back rewards for customers with two or more cards on the same account.

The six-month introductory APR of 0% is a popular incentive. The Blue Cash card has no minimum spending limit and no annual fee. They also offer no-fee balance transfers and CoolBlueOffers®, which are designed to offer even more rewards for qualified customers.

Gas prices are getting higher and higher every day, which is why consumers are rushing to apply for gas rewards credit cards, which allow customers to earn cash back and rewards for paying at the pump. When you use these three cards to purchase gasoline, you can earn cash back and reward points. Click here to find http://www.credit-card-surplus.com/gas-rewards-credit-cards.php">http://www.credit-card-surplus.com/gas-rewards-credit-cards.php.. Ed Vegliante runs http://www.credit-card-surplus.com, a directory helping consumers to compare and apply for credit cards. ]]> Types Of Student Credit Cards http://www.artwoo.com/article/types-of-student-credit-cards http://www.artwoo.com/article/types-of-student-credit-cards#comments Thu, 22 Nov 2007 08:30:01 +0000 credit card companiescredit cardsciti bankcash back bonuscash rewardsreward systempoint rewards http://www.artwoo.com/article/types-of-student-credit-cards credit cards out there designed for students that offer a lot of rewards and options.

Like most credit cards, don't rip off the student crowd. From gas rewards to , you'll be able to find cards that fit your needs. A few differences you may see in the credit card are the slightly higher interest rate and low credit limit. This of course can be improved over time when you prove to the credit card companies that you're a responsible candidate. This is the purpose of a credit score.

Before you apply for your credit card, you should know what kind of cards that are out there that caters to college students.

System

A majority of the cards you'll probably look at offer a point . A popular reward system if 's Thank You Network. The concept is fairly simple. Every dollar you spend, you'll receive a point. These points then can be turned in at Citi Bank's online store. At this virtual store, you'll be able to purchase just about anything. From gift cards to TV's, they have it all. If you're going to apply for a credit card, you will definitely want a card that offers something similar to this so you get something for your money.



Like the point system, a cash back system is a little different because you'll receive money back instead of points. This is a nice system if you would rather just receive a rebate instead of getting points and having to spend them later. A cash back system is very simple. Depending on the card, you will receive a particular percentage. If your rate is 1% cash back, you'll receive 1% of your total bill back as a refund.

Airline Miles

This type of reward is very rate but there are student credit cards out there that offer this type of reward. Even though it's not that popular among college students because not that many students fly, it can be rewarding if you do travel a lot. This system is basically a dollar per mile deal. Every dollar you spend, you will receive an airline mile. Most credit cards that focus on airlines are tied up with an airliner. This means that those miles will only be good on that airline.

Auto Rewards

This is probably a reward that many college students could use. This type of reward offers rebates on gasoline fillips, auto maintenance, and more. On the market today, Citi Bank offers a credit card that will actually reward you for every mile driven. This can be great if you tend to travel a lot.

As you can see from the above list, there are a lot of rewards available out there. If you're going to apply for a credit card, most people will recommend that you apply for a card that gives you rewards. It's always better to get something instead of nothing. Tom Tessin runs and operates http://www.findcollegecards.com that focuses on student credit cards. ]]> Students - What Credit Rewards Are For You? http://www.artwoo.com/article/students-what-credit-rewards-are-for-you http://www.artwoo.com/article/students-what-credit-rewards-are-for-you#comments Fri, 11 Jan 2008 14:20:00 +0000 citi bank credit cardscredit card rewardsbank credit cardsthankyou networkcredit card applicationairlinersgift cards http://www.artwoo.com/article/students-what-credit-rewards-are-for-you credit card application is very similar, where if you don't do your research, you may not get what you wanted.

In order to find which credit card fits your needs, you'll have to ask yourself a few questions before you start looking for that perfect credit card. After you browse through the next few questions, it should help you better understand what kind of credit card will best suit you.

What do you do a lot of?

When you ask yourself this question, you also have to ask yourself these questions as well, "Do you drive a lot?", "Do you shop a lot?", and "Do you travel a lot via ?" This will give you a good idea on what kind of credit card you want to apply for.

It basically comes down to this. generally vary in a few forms. You have your gasoline rewards, airliner rewards, travel rewards, and your point rewards. The most common form is point rewards. This is where you receive a "point" with every dollar you spend. Depending on the credit card company, you can then use these points to buy particular items.

Citi Bank's has a very great system and online point store that basically has everything under the sun from to plane tickets. If you're not a big fan of the , there other similar packages as well with other bank issuers.

Will you be spending a lot?

The reason this question is asked is because some credit card companies may offer incentives if you spend so much per month, year, etc. Remember, when you're using your credit card, it's important that you spend responsibly and you don't spend more than what you have. If you know you're going to be using your credit card a lot, make sure you know what kind of incentives are offered by credit card companies. The more you spend, the more the credit card companies are going to like you.

Do your research

The best way to the perfect credit card rewards is to ask around. It's always best to ask someone around your parent's age or maybe even your grandparent's age. Ask them what kind of credit card they use and if they like it. Ask them what kind of rewards it offers and if they take advantage of the rewards.

It's always best to ask someone outside of the internet world because a lot of the times when you do a search for a review online, you will most likely find a negative review. This is why it's best to steer clear of that.

These three golden steps should definitely help you find your perfect reward credit card or at least it will get you on the right foot. All you need to do now is sit down, write down these questions and ask yourself. Once you figure out all of the answers, be sure to start browsing for that credit card. Tom Tessin runs and maintains http://www.findcollegecards.com that focuses solely on student credit cards. ]]> Should You Use Credit Monitoring Services? http://www.artwoo.com/article/should-you-use-credit-monitoring-services http://www.artwoo.com/article/should-you-use-credit-monitoring-services#comments Sat, 01 Sep 2007 12:15:00 +0000 credit monitoring servicescredit monitoring servicevictim of identity theftemailfico scoremost commonly usedcredit score http://www.artwoo.com/article/should-you-use-credit-monitoring-services s alert individuals to changes to their credit report instantly- either via , text message on cell phones or by phone calls. Many people use credit monitoring services to help them keep an eye on their credit histories and to increase their ability to recognize a fraudulent activity.

The US Federal Trade Commission estimates that it takes about a year before a consumer notices that they have been victims of identity theft. If you are using a credit monitoring service, you would have noticed the activity much faster than if you were only obtaining your credit reports annually. With over 10 million Americans falling victim to identity theft crimes annually, it's no wonder we are willing to pay for services like credit monitoring.

Most credit monitoring services charge a monthly fee between $10 and $15, with the price dependent upon the level of monitoring you receive.

Information Provided by Credit Monitoring Services

Each credit monitoring service offers information for a fee; although the exact information provided and the price you pay for it may differ slightly between companies.

Most credit monitoring services give you access to your , although some may only provide the and others might provide access to all 3 of the different types of credit scores that exist. FICO is the score by lenders to determine an individual's credit worthiness.

Credit monitoring services provide identity theft reimbursement coverage, with limits between $15,000 and $25,000, depending on the service you use. This means if you become a while subscribing to the credit monitoring service, you will not be required to pay for expenses that are a result of the theft up to the amount of coverage you have.

Some credit monitoring service providers offer a range of tools that help you analyze your current credit situation, and how you can improve it. Online based forms let you predict what effects applying for a loan might have on your credit score, or the effect of paying off a credit card. These tools are valuable when you're trying to improve your credit score as it gives you a good idea of the activities that will result in the largest increase in your credit score.

Some credit monitoring services are provided directly through one of the three major credit reporting agencies- in which case you will only have access to that particular credit report. Other agencies provide access to all three reports, and give you unlimited access- while some only update your credit reports every thirty days.

You'll be alerted if the following activities occur to your credit report, as these activities could indicate fraudulent activity if you haven't done something to cause these alerts to occur yourself:

A new account is opened A company makes an inquiry to your credit report Your address is changed If Public Records are added Any existing account changes information

The Value of Credit Monitoring all 3 Reports

You may find that you can pay a dollar or two less each month for a credit monitoring service that only provides monitoring of a report through one of the credit reporting agencies. If you think this is enough, you may be wrong!

Consider the following scenario: You have credit monitoring on your Experian report. A thief applies for a new luxury car at a local car dealership, and the car dealership pulls your report from Equifax. You would not receive an alert of the Equifax report inquiry with a monitoring service that only monitors Experian reports.

You would not see the fraud until the car is approved and shows up a month later on your credit report as a new account, and the thief is driving around with the car!

Having credit monitoring on all three of your credit reports would alert you to the inquiry of your report before the account is approved- and you could take action before it goes any further. This article has been provided courtesy of Destroy Debt, http://www.destroydebt.com . ]]> Top Credit Card Offers http://www.artwoo.com/article/top-credit-card-offers http://www.artwoo.com/article/top-credit-card-offers#comments Tue, 25 Dec 2007 10:20:00 +0000 best credit cardsfringe benefitsstrange conceptintroductory ratecredit scorebalance transfersbusi http://www.artwoo.com/article/top-credit-card-offers business use. Here are a few of the on the market for different individuals and businesses today.

American Express Clear Credit Card

The Clear Card from American Express is one of the top cards for people with high volume needs. American Express has taken an interesting approach with this new card in that they have tried to minimize costs for cardholders. This is a for credit card companies, as they usually try to make their cash on fees and such. The Clear card has eliminated late and over the limit fees and it offers an extremely affordable interest rate. If you want to get this card, you should be full prepared to have excellent credit. It is only offered to people with a record beyond reproach. This is another example of how important your is. Make sure you always pay your bills on time.

Citi offers an excellent card for students. They understand that young people are getting serious about rebuilding their credit in this day and age, so they are happy to give those young people a good chance to build said credit. With this card, the interest rate is high, but affordable. They also offer a low and a low rate on for the first six months. These offers make this card a good one for not only students, but also for those students that are looking to consolidate their debt in an affordable way. Citi is known as one of the lenders that is more lax about giving credit to people with less than perfect credit, too.

This rewards card from Visa is good for business people, because of all of the that it offers. When it comes to choosing a credit card, people have to look out for their best interest as much as possible. If you are a person with a small business and you do a good bit of traveling, then this card is what you are looking for. For instance, it can help you save costs with your business. If you do a lot of traveling, then hotels and airline flights can take a big part of your budget. When you get this card from Visa, you will be cutting this cost by taking advantage of rewards. If you are having to purchase things with a credit card anyway, then you need to get as much out of that as possible.

These three cards all offer something different for different needs and they have risen to the top of the credit card industry. Though there are plenty of other offers out there on the market, these are three of those that you have to take a long, hard look at. If you qualify, these cards can help you financially. Johnny Moon recommends http://www.MoneyPhilosophy.com for more information on credit cards and all matters of personal finance. ]]> Mastercard Applications Online http://www.artwoo.com/article/mastercard-applications-online http://www.artwoo.com/article/mastercard-applications-online#comments Sun, 29 Jul 2007 14:39:58 +0000 rewardsfirst steps towardthis will explainmastercard applicationsbest cardsbank of americaworld mastercard http://www.artwoo.com/article/mastercard-applications-online first steps toward enjoying the benefits MasterCard offers. Here's what you need to know about and some of their on today's market.

MasterCard Applications

You will find a variety of MasterCard applications online. Begin by searching for a card that fits your financial needs. Once you find the right MasterCard option, the application process is easy. For most MasterCard applications, you'll be asked for basic information, including your address, employment status and income level. In many cases, you will find out quickly whether or not your application has been approved.

Before sending in your MasterCard application, be sure to read the fine print. important details, such as interest rates and possible finance charges. Once you understand the terms and conditions, you'll be able to manage your MasterCard wisely.

Elite

One of the top cards offered by MasterCard is the Elite Rewards World MasterCard. This card is an excellent choice if you are looking for a flexible reward program. Issued by , this card offers one point for each dollar spent on purchases in general. In addition, you'll be rewarded with double points for every dollar you spend at participating retailers. Your points can be turned in for a variety of rewards, including gift certificates, hotel stays, car rentals, and flights on over 125 airlines.

To help you jumpstart your rewards, you will receive a bonus of 500 points once you make your first qualifying purchase. That's a great way to begin accumulating points! Some of the other valuable benefits you will enjoy with the Elite Rewards World MasterCard include no annual fee and a 0% interest rate on balance transfers and cash advances for the first twelve billing cycles.

Citi Diamond Preferred Card

Issued by Citibank, the Citi Diamond Preferred Card offers a great introductory rate and a variety of valuable services. With this card, you will enjoy a 0% interest rate on purchases and balance transfers for the first year. There is no annual fee for the card, and no fee for balance transfers.

The Citi Diamond Preferred Card comes with top-notch protection services. This includes Citi Identity Theft Solutions. With this free service, specialists will help you if you suspect you are a victim of identity fraud. You will also be offered a secure way to manage your account online. In addition, you can be assured of 0% liability on any purchases you do not authorize.

You can also benefit from a Price Protection service offered through the Citi Diamond Preferred Card. If you purchase an item with your credit card and then find it advertised in print for a lower price within 60 days, you can notify the card's customer service representatives. They will send you a refund of up to $250 for the difference.

MasterCard applications can be found online and filled out in just a few minutes. By choosing MasterCard, you'll be joining the millions of Americans that depend on it for needed financial assistance. Send in your MasterCard application today; then sit back and enjoy the benefits. To View MasterCard Offers click the following link: http://www.credit-card-surplus.com/mastercard-applications.php . Ed Vegliante runs http://www.credit-card-surplus.com , a directory helping consumers to compare and apply for credit cards. ]]> Getting The Lowest Interest Rate For Your Credit http://www.artwoo.com/article/getting-the-lowest-interest-rate-for-your-credit http://www.artwoo.com/article/getting-the-lowest-interest-rate-for-your-credit#comments Mon, 10 Apr 2006 14:06:21 +0000 credit card debtplatinum visa cardnorthwest airlinescredit cardsrate credit cardbritish airwaysrewards http://www.artwoo.com/article/getting-the-lowest-interest-rate-for-your-credit credit cards have become a part and parcel of everyone's life. But man has woven a trap around itself. To avoid this debt trap low s have been introduced. A low rate credit card is usually for those who hold a good credit history and have considerable repayment capacity. For example the student credit card is generally not a low rate credit card. The travel cards issued by some of the reputed merchants like , etc are cards that attract high interest charges.

If someone carries a large balance on a high interest credit card then transferring the balance to a low rate credit card can save some honest money. Low rate credit card ensures paying off large outstanding on numerous cards at an attractive low interest rates. Some cards offer 0% APR on balance transfer and cash advances from six months to twelve months.

The rates involved in calculating the finance charges are usually the interest rates. Other charges include the late payment fee, over limit fee, rates applicable after the introductory period, etc. For those who carry a large balance on their cards opting for a low rate credit card can save thousands of dollars. A low rate credit card also offers several other benefits like 5% cash back reward on select purchases from outlets like grocery stores, supermarkets or gas stations and 1% cash back reward on purchases from other outlets.

Citi® Diamond Preferred® Card, Citi® Dividend Platinum Select® Card, Chase Flexible Rewards® Platinum Visa® Card, Citi® Premier Pass Card, Chase Cash Plus® Rewards Visa, Free Cash Rewards Platinum Visa® Card, etc are some of the credit cards that fall in a low rate credit card category.

A low rate credit card does not have any annual fee which is another form of cutting overhead costs on any credit card debt. Many of these cards offer up to 1000 bonus points on first purchase. There after one bonus point is awarded to the card holder for every one dollar spent. Some of these cards also offer checks or gift certificates from participating merchants when specified amount of bonus points are accumulated. For example Free Cash Reward offers a $25 check or an equivalent gift certificate from many leading national merchants after accumulation of 2500 points.

Usually it is wise to pay off a high interest rate card with a low rate credit card. But one should watch out for the traps of high transfer fees and short promotional low-term rates. One should read the fine print. Usually the fine print on any low rate credit card states that if the card holder default the payment or makes any consecutive late payments then the existing interest rates dissolve and the usual high interest rates prevalent in the market are applicable. Finally, the card holder should avoid maxing out a new low rate credit card, as this can cause the card holder's credit score to dip. About The Author: Peter Sissons, Retired Bank Manager and Unsecured Credit Cards advisor at g-Finance Group LLC ( http://www.lowest-interest-credit-cards.com ) publishes other articles related to Unsecured Credit Cards at http://www.creditcardrelief.com and http://www.the-creditcard-search.com ]]> Insure Your Identity With Identity Theft Insurance http://www.artwoo.com/article/insure-your-identity-with-identity-theft-insurance http://www.artwoo.com/article/insure-your-identity-with-identity-theft-insurance#comments Sat, 19 Aug 2006 14:27:10 +0000 identity theft insurancevictim of identity theftidentity thievesciti credit monitoring serviceciti credit monitoringcredit monitoring servicecriminals http://www.artwoo.com/article/insure-your-identity-with-identity-theft-insurance
Service may be of value, since it is available online, its web site is secure, and the firm guarantees your privacy will be protected. This site lets you review your credit accounts and files on a regular basis in a relatively inexpensive manner. Other companies offer coverage for identity theft and include software that helps to track identity theft activities and offers help if you become a victim of this crime. The software also provides your FICO and additional monitoring options.

If you become a , you may also become a victim of the court system. While millions of people suffer from identity theft, few go to court to fight for the restoration of their identity. The court process can take a very long time, and since generally establish credit and bank accounts in your name, you may be the one on the hook for prosecution from creditors and the courts.

Many people believe that victims of identity theft have done something to expose themselves to this crime and that, therefore, it is their own fault. This is not the case. Cases of identity theft increase every year, and millions of people are affected. Doctors, lawyers, politicians, judges, and other educated people often become the victims of identity theft. The themselves are often highly educated, working in respected careers in order to gain access to information they can steal. The poor are often made scapegoats for the crime, while the real criminals go unpunished.

It can be to your advantage to obtain . You never know who the thief might be or when a theft may arise. The insurance coverage usually costs just a few dollars per month. You may also purchase the identity-theft software for a one-time fee. IN some states, laws have been enacted to prohibit the publication of personal identifying information. However, with so much information online, the Internet is fertile ground for 'hackers' who gain access to databases containing personal data on millions of people. Therefore, you should take any and all precautions you can to protect yourself from identity theft. Discover more articles and resouurces discussing the different types of insurance available by visiting http://directory-insurance.com ]]> Choosing The Right Airline Credit Card Mile Offer http://www.artwoo.com/article/choosing-the-right-airline-credit-card-mile-offer http://www.artwoo.com/article/choosing-the-right-airline-credit-card-mile-offer#comments Sun, 29 Oct 2006 04:27:12 +0000 american airlines aadvantageamerican express skymilesairline credit cardsunited airlinescredit card issuerbritish airwaysfrequent flyer miles http://www.artwoo.com/article/choosing-the-right-airline-credit-card-mile-offer frequent flyer miles, which can save you a lot of money in the long run. The type of airline mile credit card depends on individual choice, needs, and loyalties, so take your time to conduct a little in-depth research and seek recommendations based on these factors.

Airline-Sponsored/Specific

Airline-sponsored airline credit cards can be a good option if you fly with one airline constantly, or if you hold a strong brand loyalty to a particular airline.

Airline-sponsored airline credit cards are usually co-branded credit cards issued in collaboration by the airline with a bank/. And if that airline has a hub in your city or region, it becomes more convenient and economical since it may serve major flights to potential destinations. Every major airline company have airline-sponsored airline credit card offers, with which you can earn frequent flyer miles, and flight-related perks such as free airline tickets and first class upgrades.

However, since interest rates are liable to be comparatively high with this type of airline credit card mile offers, they are not recommended for those who carry a balance. And remember, most co-branded airline-sponsored airline credit cards carry an annual fee.

Examples of airline-sponsored airline credit card offers include Mileage Signature Visa Card, Delta , Visa Card, and Citi Platinum Select World MasterCard.

Bank-Sponsored and Generic Airline Credit Cards

Bank-sponsored airline credit cards are more practical for those who do not have a major airline in their region, and consistently change carriers, since they allow you to earn miles that can be used on several airlines and not just one.

Bank-sponsored airline credit cards may also offer lower minimum mileage required for travel, in comparison to airline-sponsored airline credit cards. Generic airline credit card offers generally do not carry an annual fee, and are ideal for people who looking for lowest priced discount ticket before flying, and do not have preference for any particular airline.

With generic airline credit cards, the miles you earn for card purchases can not be combined with miles in a specific airline's frequent flyer program, so they are different from frequent flyer miles.

However, generic airline credit cards allow you to redeem these miles for perks such as free tickets on any important airline. So, generic airline credit card miles are, in fact, similar to dedicated cash-back earnings, which can only be employed to buy an airline ticket.

Examples of generic airline credit card offers include Chase Travel Plus Platinum Visa Card, Citi PremierPass Card, Discover Miles Card, and Blue Sky from American Express. Compare and reviews on the top credit cards for all types of credit scores. Apply with confidence with our tips and reviews at http://www.onlinecreditcardapprovalsites.com ]]> Miles Credit Cards: Getting The Most Out Of A http://www.artwoo.com/article/miles-credit-cards-getting-the-most-out-of-a http://www.artwoo.com/article/miles-credit-cards-getting-the-most-out-of-a#comments Mon, 10 Apr 2006 16:24:13 +0000 frequent flyer milesfrequent flyer credit cardfree milesbonus milesairline rewardscredit cardsamerican express blue http://www.artwoo.com/article/miles-credit-cards-getting-the-most-out-of-a credit cards are among the most popular types of rewards credit cards. However, only a handful of credit cards provide great rewards and value. The reason for this is quite simple: most airline specific credit cards charge astronomical annual fees and high interest rates. Now, if you travel often and spend more than $10,000 a year, just about any airline credit card will earn you miles. However, if you want to get , airline flexibility, and save money on interest and annual fees, there are only four miles credit cards you should consider: The Miles Card from Discover, The Value Miles Platinum Visa Card, Sky and the Citi PremierPass. Here, we will examine all four cards. First, however, we will examine the average airline specific credit card.

The lure of the "average" airline specific is the bonus mile offering. Who wouldn't want 15,000 miles? In addition to the substantial free miles offered, the average airline credit card also waives the annual fee during the first year. The combination of free miles and a no fee first year draws in many consumers. However, the initial perks are generally offset by the money it will cost to maintain your credit card after the first year. First, the average annual fee charged by these credit cards is $75. Ouch. And the average interest rate? More than 17%. Sure, you get a lot of miles upfront, but is it really worth paying 5% more in interest and a substantial annual fee? Not when there are much better offers available.

The Miles Card from Discover is a no annual fee card that offers a 0% interest rate for 1 year, a low long term interest rate, and the opportunity to earn 1 mile for every dollar spent. The miles you earn can be redeemed on any airline with no blackout dates. Plus, you get 5,000 when you make your first purchase. The interest rate on this credit card is over 6% less than that of the "average" frequent flyer card. Plus, you pay no interest on purchases or balance transfers for up to 1 year. Although you get 10,000 less miles, you'll probably end up with a lot more money to spend on traveling with this card than you would with the "average miles card."

The Chase Value Miles credit card is a no annual fee airline rewards card that allows you to fly on any airline with no blackout dates. They do not give away free miles, but they also don't charge an annual fee or a high interest rate. Like the Miles Card, the Value Miles card offers a 0% interest rate for up to 1 year and offers an interest rate that is 5.5% lower than than "average miles card." And, although the Value Miles Card does not offer any free miles, you can get a ticket to fly anywhere in the continental U.S. for only 24,000 miles. This is 5,000 to 10,000 miles less than the "average miles card" charges to get a free ticket. You don't get free miles, but your miles do have more value.

The Citi PremierPass offers two levels of airline rewards. The regular PremierPass MasterCard offers 5,000 free miles, charges no annual fee, and offers an interest rate that is 4.25% lower than the "average miles card." Additionally, you can earn 1 flightpoint for every three miles you fly on any airline with a ticket purchased with your card.

The Citi PremierPass also offers an elite level. Now, there is an annual fee of $75. However, you receive 15,000 bonus miles, earn 1 flightpoint for every single mile flown, and double miles on everyday purchases. The interest rate is still 4.25% less than the "average miles card," plus, this card offers a 0% interest rate for up 1 year.

The BlueSky credit card from American Express does not try to lure you in with free miles. Instead, they offer value. For every 7500 points earned, you receive $100 that can be used for any travel expense, including car rentals, hotels, online travel sites, and cruises. The value here is that every point you earn is worth 33% more than than the average point. Plus, you can use your rewards for all of your travel expenses, not just airline tickets. Additionally, this card offers a 0% interest rate for 6 months, charges no annual fee, and offers a low long term interest rate that is 5% lower than the "average miles card."

As you can see, airline credit cards offer a variety of perks at a variety of prices. For some, an "average miles credit card" with an annual fee of $75 and an interest rate over 17% might provide the best overall value. However, most credit card users will end up paying more money in interest and fees on their credit card than they would if they simply paid for their ticket in cash. The real value in frequent flyer credit cards can be found with the general miles credit cards that charge no fees, offer low interest rates, and offer more travel flexibility.

2006, Credit Card Depot Inc. About The Author: The author is president and CEO of Credit Card Depot Inc. His website, http://www.credit-card-depot.com">http://www.credit-card-depot.com, features detailed information and links to applications for every frequent flyer credit card mentioned in this article as well as over 70 other credit card offers. To apply for a credit card online, visit http://www.credit-card-depot.com">http://www.credit-card-depot.com ]]> Zero Percent Interest Credit Cards -- How To Get http://www.artwoo.com/article/zero-percent-interest-credit-cards-how-to-get http://www.artwoo.com/article/zero-percent-interest-credit-cards-how-to-get#comments Tue, 11 Apr 2006 19:00:04 +0000 zero percent interest credit cardsinterest credit cardsamerican expresscredit card featurecontactinterest cardsfortunately http://www.artwoo.com/article/zero-percent-interest-credit-cards-how-to-get credit card feature that gains a lot of attention. Although credit cards have the potential of becoming a dangerous tool, they do have practical uses. For example, credit cards allow easy transactions when purchasing items online. Furthermore, credit cards are great to have when having cash flow problems.

However, because of high interest rates, many consumers avoid using credit cards. , there is a way to take advantage of credit cards without getting hit with a high interest rate.

What are ?

Perhaps you have seen a credit card offer featuring 0% percent interest. These types of credit cards are offered by several big name credit card lenders including Citi, Discover, and . If you have good credit, a 0% interest credit card has many perks.

Of course, the rate does not always remain at 0%. This is called an introductory rate. In other words, you can expect to pay 0% on all purchases for the first six or twelve months. At the conclusion of the interest-free period, applicants will pay a higher rate.

How to Get Approved for a Zero Percent Interest Credit Card

To get approved for a zero percent interest credit card, you must have good credit. Each lender has a different definition of good credit. Before applying for a zero percent interest credit card, the creditor and inquire about their credit approval guidelines. This way, you avoid unnecessary credit inquiries.

Also, before submitting application, carefully read the terms of agreement. This section includes pertinent information such as late fees, over-the-limit-fees, penalties for late payments, etc. If acquiring a 0% interest credit card, do not submit late payments. By doing so, the creditor may immediately end the interest-free period. Moreover, being late on another credit account provides creditors just cause to end a 0% interest agreement.

Advantages of Zero Percent

Zero percent interest credit cards are ideal for financing large purchases in which you plan to payoff in a few short months. These cards are more practical than using high interest credit cards or obtaining a personal bank loan. About The Author: Visit http://www.abcloanguide.com/creditcards.shtml for a list of zero interest credit card companies. View our recommended sources for Zero Interest Credit Cards online. ]]> Mortgage From Citibank http://www.artwoo.com/article/mortgage-from-citibank http://www.artwoo.com/article/mortgage-from-citibank#comments Tue, 26 Feb 2008 10:15:01 +0000 biggest banks in the worldciti bankrock solid foundationbanks in the worldfinancial crisesloan criteriamortgage products http://www.artwoo.com/article/mortgage-from-citibank banks in the world. After all once you have been thru some of the smaller ones and in the current financial environment is it not best to go with the biggest. One of the is a huge bank by any standards and situated world wide.

You think because I am writing about citi bank that I am an employee of citi bank but this is not the case , In fact I am simply writing this article to discuss with my regular readers one option in the mortgage banking market. We know that banks are currently scurrying left right and center with the current tough times, so what better way to protect your loan than with the biggest.

While there are many difference in loan and out there in reality the differences may seem small to start but , compounds over time. A mortgage from city bank offers you some great choices and options because with large financial institutions like citi bank you have more options to get a loan that suits.

Also large banks are more likely to have stricter criteria "this is not always the case tho" with stricter criteria they are generally more likely to more closely inspect your application and to make sure you can meet the or more importantly the repayments. Because as we know if you do not cover those payment huge problems can happen in the future of the loan and you are more at the whim of the market. Something that one would not recommend unless you have a strong and for your loan. The worst thing that can happens is the bank taking your loan/property back after you have settled into a routine and you comfy house.

While all banks can be expected to cover there loses and come knocking in the case of a , you mat be better of with a larger bank because of their financial strength. A mortgage from Citibank seems to meet one or more of our criteria's which are below.

1. Banks Must be reputable 2. Banks Must be financially strong 3. Banks must be customer friendly 4. The Loan must not be to complicated 5. You must be able to pay extra

In the scheme of things a Mortgage from Citibank is no more complicated and in some cases easier than getting a loan off a smaller institution , while they still use many of the same criterion Citibank over the years has proven to be a good bank , In my opinion but I believe if you research Citibank you will find no more negative mentions on the web then other banks and in some cases quiet a few less.

Now we are not saying that Citibank meets all these criteria but they meet enough of them to be serious consideration in the mortgage market no matter where you are. C S Liner is a professional writer for at Home Improvement Advice a website dedicated to helping you fix up your home and get all the right pieces to make it better for you and your family visit http://homeimprovement-advice.com/ ]]> A Guide For Student Credit Cards http://www.artwoo.com/article/a-guide-for-student-credit-cards http://www.artwoo.com/article/a-guide-for-student-credit-cards#comments Mon, 13 Nov 2006 04:27:04 +0000 credit card debtcredit card offercredit cardsembarkexuberantgrabcard vendors http://www.artwoo.com/article/a-guide-for-student-credit-cards credit cards.

Keep Your Head On Straight!

One of the first things you will notice when you arrive on campus is that there are student credit everywhere. It makes sense, really. The credit card companies want to establish relationships while their client base is young. This relationship can lead to car loans and mortgages down the road, not to mention finance fees generated by the spending of American youth. Before you on this smorgasbord of credit consumption, you ought to consider a few things.

Consider, for instance, that the average student ends their college career with just under $3000 in . An astounding ten percent of all students graduate with more than seven thousand dollars in credit card debt. I know, I know, you hear this statistic all of the time. It seems abstract and it is easy to tell yourself, "Well, I'm not the average student; I won't fall into that trap." That's good. No, really, that is a great frame of mind. The (difficult) trick is to keep that perspective so you don't get seduced by your newfound spending power.

Some Quick Tips

Here are a few quick tips to keep your finances in order:

1. Keep your card count low -- Have you ever seen John Q. Consumer with 39 credit cards in his wallet? Absurd. Since you are just starting to build your credit history you shouldn't need more than a couple of cards. Choose wisely.

2. Shop Around -- Don't the first you see. There are a ton of options out there, and a little patience will get you settled into the card you need, and possibly save you much money and stress over the long run.

3. Pay Your Balance!!! -- It's the cardinal rule for developing superior credit: keep your balance low, and pay it off completely when it's appropriate. If you do this now, you will get far better credit card offers in the future.

4. Tell Your Parents -- Yeah, yeah... it's the last thing any college student wants to hear. "Tell your parents." Um, yeah... right. Well, in spite of your new independence you should let your parents know about your credit cards. They are a good resource for not just emergency financial support, but more importantly, for financial advice.

"In Conclusion..."

Finding the right student credit card can make all of the difference. Two of the most popular student credit cards are the Citi Platinum Select for College Students, and the Discover Student Clear Card. The Citi Platinum Select Card is an all around solid choice for first time card owners. It is an essentially bulletproof option for any student looking to establish credit history without having to worry about a minimum income, or a co-signor on the card. For those students looking for a little extra, they should start with the Discover Student Clear Card. The Clear Card has a lot of extra features, including up to 5% cash back on specific purchases. Both cards share a six month introductory APR of 0%.

When you arrive to college it is a good idea to get a student credit card or two, but it's a better idea to use them wisely. You will quickly find that the right card is an extremely useful tool for your purchasing habits and developing a stable credit history. You shouldn't be afraid of credit card ownership; rather you should realize that this is an early step to develop a happy financial picture in the long run. Click here for Student Credit Cards. Ed Vegliante runs http://www.Credit-Card-Surplus.com, a credit card directory enabling the consumer to compare and apply for credit cards. ]]> The Best Gas Card http://www.artwoo.com/article/the-best-gas-card http://www.artwoo.com/article/the-best-gas-card#comments Tue, 12 Aug 2008 06:08:23 +0000 bp gas stationsamerican express cardannual percentage rateroad smgas cardsrewards pointsgas purchases http://www.artwoo.com/article/the-best-gas-card gas cards is one of the best and convenient way of reducing the pinch of ever increasing gas prices. If you haven't started using one yet, you'd probably be on the look out for the best gas card. If your question is -- What is the best gas card?, then you won't get a specific answer. Gas cards have different rates and features, and answering your question would depend on your gas spending habit. To help you, below is a list of the top five gas cards and the criteria for comparing each.

Discover® Open Road Card

Discover Open Road Card offers up to 5% rebate or on and auto maintenance expenses. Accumulated rewards points earned on this card can be redeemed in the form of cash backs. This card carries no annual fee but it carries an or APR at 10.99%.

Discover® Open Road(SM) Card for Students

This card is the Discover Open Road card version for students. This offers the same unlimited 5% rebate on gas purchases and auto maintenance expenses, only that it does not expire. Its annual percentage rate is at 16.99%.

Citi® Professional(SM) Cash Card

This cards offer a rebate of 3% on gas purchases and is good for those who plan to maintain a balance on the card since it only carries an APR at 9.99%.

BP Visa® Rewards Card

The BP Visa Rewards Card offers a 10% unlimited rebate on gas purchases during its one year introductory period. For the regular months, this card offers a 5% unlimited rebate. Rebates however, can only be earned and redeemed if this card is used at . Moreover, this card carries no annual fee but charges an APR at 11.99%.

Blue Cash® from American Express®

The Blue Cash from offers an unlimited 5% rebate on gas purchases and charges a 9.99% APR on the card's maintaining balance.

There you have it, the top five gas cards. The best card would depend on what you are looking for and on your spending habit. The following are the criteria that will help determine the best gas card.

Rebate

If you are looking for a card with the highest percentage rebate, your best card will be the BP Visa Rewards card. However, this card is BP exclusive and if you live across town from a BP gas station, then this card is not for you. The next cards with the highest percentage rebate would either be Blue Cash from American Express or any of the two Discover Cards.

Annual Percentage Fee or APR

The balance on your gas credit card is charged with an annual percentage rate or APR. If you plan on maintaining a balance on your card, then the card with the lowest APR is the best card for you. Disregard percentage rebates; your APR can easily eat out your savings despite high percentage rebates. From the above cards, the Blue Cash from American Express and the Citi Professional(SM) Cash Cards have the lowest APR at only 9.99%.GasCardsGalore.com offers free applications for gas credit cards online. Apply for a gas card today at http://www.gascardsgalore.com]]> Security System Alarm Monitoring For Your Home http://www.artwoo.com/article/security-system-alarm-monitoring-for-your-home http://www.artwoo.com/article/security-system-alarm-monitoring-for-your-home#comments Sat, 18 Nov 2006 20:27:12 +0000 adtbrinkssafeguardsmonitoring technologybackup communications24 hours a dayguardianship http://www.artwoo.com/article/security-system-alarm-monitoring-for-your-home monitoring technology. Ensure your home is safe , protected by the of security system monitoring that keeps a watchful eye over you and your family.

How Does Security System Monitoring Work?

Companies like and , trusted names in the industry, offer security system monitoring to their clients at a low monthly price. Home Security Stores provide you with the hardware; the security company provides the security system monitoring.

A security system monitoring company is in business 24/7 to respond immediately if your security system alarm is triggered. If triggered, your system will alert the security system monitoring company, who can then alert you and the police. It's like having someone by the phone, ready to call 911, at all times.

How to Select a Security System Monitoring Company

Approach security system monitoring from the point of view of your specific needs. Rather than follow the deals, follow your requirements. Begin by making a list of your security system monitoring wants and needs. Here are the questions to ask:

•What and security does the company offer for your information? •What certification, listings, and training do they have? •What redundancy is available? •What procedures are in place for emergency contingencies at the monitoring center? •What are available, and what procedures to ensure reliability of communications are in place?

Next, consider the security system monitoring company's response in an emergency.

•How do they respond to your need for notification? (i.e. Do they call to confirm an emergency?) •What additional features are available, such as emergency tech support? •How responsive are they to updating your personal information, and what safeguards are in place to ensure it's you making the changes? •When you call them, do they take control and responsibility, or are you shuffled between the dealer, installing company, and any other entity?

Finally, consider your personal preference. What does your gut tell you? Are you comfortable putting your security in this particular security system monitoring company's hands?

•Lower home owner's insurance up to 20 percent •Summon help in a matter of seconds •Add fire monitoring for free (residential only) •Opt for new voice-over IP monitoring

Having someone monitor your security system 24 hours a day means constant protection. Your home is connected to a system of professionals who respond immediately in an emergency. They are always standing by to jump into action. Security system monitoring gives you extra eyes and ears and added security in your home. Ralph Winn has over 32 years of experience in the security industry. Throughout his career, he has developed cost effective security programs for numerous small, medium, large commercial and government properties and for many nationally known corporations. http://www.homesecuritystore.com ]]>