Best Credit Card Offers

This website features the best online credit card applications on the Internet. We have been referred to as the authoritative source of consumer information by CNN.com. Consumers agree that our web source is "the best and the most reliable source" to apply online for credit cards. Use our convenient comparison tables to compare the online offers from Visa, MasterCard, Discover and American Express side by side.

Find and apply for a plastic that suits your individual needs. We will help you to find the best credit cards – those with instant approval, low interest, and for balance transfers. We make it easy to find online deals for people with excellent score, good score, fair score, bad score and no score.

Our website makes its customers financially competent. We are glad to offer you reading the News! Keeping well informed is keeping steady in the world of finance. Visit this new consumer service and read about the recent researches, a wary cardholder's behavior and other financial intricacies. Get the data to make the best of every online application!

Online offers are a great way to earn free rewards. With a wide selection of bank deals, our web site offers you the unique opportunity to choose YOUR OWN REWARDS. Plastics that give you rewards are available mainly for people with good and excellent rating. You can choose offers with points, redeemable for anything from cash to flights to space. Air miles offers with rewards are a great fit for business or vacation travelers. Get free flights, free hotels and more! Cash back and charity online bank deals are great ways to get rewarded for everyday purchases!

Every year banks try to offer something new to their clients, not only new credit card products but also new marketing approaches. At Credit-Land.com we have analyzed the new trends of the credit card market and selected the best credit card offers. So, what’s new on the credit card market this year?

• Fees. There haven't been any significant changes in the cost of credit card maintenance yet. Credit cards for good or excellent credit history such as Citi Platinum Select MasterCard are fee free and financial charges for plastics for bad credit are around . However, the situation is likely to change because banks need additional resources and might raise the fees.

• Rates. Most credit cards have variable interest rates. Due to the Fed interest rate cut these rates continue to drop. Of course, your APR depends on your credit history but considering the lowest possible rate credit card holders are going to make some extra saving this year. New credit card deals also include 0% APR on purchases and balance transfer during the introductory period.

• Rewards. Credit issuers are taking a more differentiated approach towards rewards. The rewards programs are more specific so the consumer could analyze his or her spending habits and apply for a more rewarding card. For example, Capital One offers 7 new cards with rewards for home improvement, retail stores, health club and dining, etc. Most reward cards are for good and excellent credit only.

• Bad/No credit. Banks are no longer marketing credit card deals for no credit as offers also for those with bad credit. A new card from Citi Bank Citi Platinum Select Tier 2 Card has been created especially for consumers new to the credit card market. This card has no annual fee and reasonable APR.

• Business credit cards. Banks are eager to offer more favorable rewards to businesses. Capital One presents Visa Business Platinum Card with 0% APR till February, 2009, no annual fee and up to ,000 credit limit. Credit card industry is more benevolent to small business owners than ever. Banks are offering more and more credit card products. Take your time to understand what kind of plastic you really need. Consider the trends of the credit card industry today and apply for a credit card that will work best for you. Banks are ready to offer you great deals. Why not take advantage of them? Find the best card at Credit-Land.com and apply online!

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Can credit repair companies be trusted?

Many "credit repair" companies claim to remove negative credit with the flick of a wrist. Their advertisements make bold assertions and money-back guarantees: "Bankruptcy, tax liens, judgments... no problem!! One hundred percent guaranteed!! Credit report 100% cleared in 30 days!!" Can they really make such sweeping guarantees?

While some credit repair companies are outright frauds, others are not fraudulent and they use the dispute process to obtain impressive results. In fact, they delete thousands of negative credit listings every day. There is a company called, Lexington Law who has been doing it for 15 years. Click Here to learn more.

Unfortunately, it is risky to trust anyone to help you restore your credit. It is estimated that fraudulent credit repair companies have bilked Americans out of more than fifty million dollars. The majority of credit repair companies were started by entrepreneurs with a penchant for marketing. Consumers have flocked to these "credit doctors" only to discover that their advertisements proved far more impressive than their results. Hiring a credit repair company is like playing Russian roulette. Many of them are effective and legitimate, but it is difficult to tell a rip-off from the real article.

So, can credit repair companies guarantee results?

Not a chance! No credit repair company is so good that it can guarantee a specific outcome. It would be like a defense lawyer guaranteeing that the jury will find his client innocent. Guarantees are a sure sign of credit repair fraud. A warranty, where the credit repair company promises a refund if certain results don't occur, is a better, more realistic claim. Lexington Law is a respectable company that we recommend.

Not surprisingly, the credit bureaus have declared war against the credit repair companies and those selling instruction on how to do-it-yourself. The bureaus lambaste credit repair companies in the media and send anti-credit repair literature to anyone whom they suspect of using credit repair services. The bureaus unflinchingly deny that accurate information can be removed from a credit report.

The simple truth is that you do not have to endure bad credit for seven to ten years as long as you feel comfortable challenging the accuracy or verifiability of your credit listings. If so, it is possible to restore creditworthiness within a much shorter time.

However you decide to address your credit challenges, realize that regardless of what you may hear in the news media, thousands before you have sought help and restored their credit. They can show you their homes, cars, and credit cards. Despite the newspaper articles, TV reports, and other credit bureau propaganda to the contrary, the simple truth remains: you can restore your credit. Learn More.

Understanding Your Credit Score

What does your score mean?

This rating system is meant to develop a snapshot of the risk you currently represent to a lender. Several parameters in your credit file, including length of credit history, number of open accounts, loans, mortgages, public records, and others are formulated to produce a three-digit score between about 300 and 950. There are other scores used by lenders and insurance companies (some of which are developed by FICO®) such as Application and Behavior scores. These other scores take other information into account. Usually a lender will use a combination of your credit score with other factors when determining your risk. They all have the same objective, to determine the borrower's potential risk. Regardless of whether the score was generated by FICO® or a system based on FICO® parameters, they all yield an industry standard three-digit score. This score places the borrower in one of three main categories (we named the third one ourselves.)

Prime, sub-prime, and shafted

Prime If your credit score is above 680, you are considered a "prime borrower" and will have no problem getting a good interest rate on your home loan, car loan, or credit card.

Sub-Prime If your credit score is below 680, you are "sub prime", and will likely pay a much higher interest rate on your loan.

Shafted Below 560 is the shafted score. At least that is how most lenders and credit issuers perceive it. You can still get a credit card but you will likely be hit with a security deposit or high acquisition fee. In addition to that your interest rate will likely be 22 to 23%. You can forget about most home loans and the majority of new car loans at this score. Below 560 is no place to be. You will pay much, much more in higher interest and unnecessary fees. You may even pay more for your insurance rates. A very low score can even prevent you from getting a job with many companies. If your in this catagory Click Here.

How are credit scores calculated?

The methods of calculating your credit score may differ slightly depending on the credit bureau. When obtaining your score from one of the Credit Bureaus it is important to understand that your score does not come directly from FICO®. It is adapted to each bureau and is given its own name: Equifax uses "Beacon", Trans Union uses "Empirica", and Experian uses "Experian/Fair Isaac." These scores are also referred to as your "Bureau Scores."

Since your score is derived from your bureau data, it will change every time your reports change. However your score is calculated, it will always take into consideration many categories of information. No one piece of information or factor determines your score. As the information in your credit report changes, the importance of one or several factors may change in your score. Lenders look at many things when making a credit decision, including your income and the kind of credit you are applying for. However, your credit score does not reflect these facts as it only evaluates the information retained by the credit reporting agency.

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What factors affect your credit score?

There are five factors which are used in credit scoring calculations that determine your overall credit score.

Previous Credit Performance (Payment History) 35% A lender wants to know what your payment history is like. Have you paid everything on time, are you late on anything now, and so on. Your payment history is just one piece of information used in calculating your score, although it can be the very important.

Current Level of Indebtedness (Amount Owed) 30% How much is too much? Can the borrower pay me and still afford to pay his other bills? Not necessarily. Having available credit can actually help your ratio of debt to available credit. These are the types of questions that most borrowers want to know and the answers are almost as important as your previous credit history.

Amount of Time Credit Has Been In Use (Length of Credit) 15% Generally speaking, the longer the credit history the better your score. However, this factor only makes up 15% of your total score so even young people, students or others with short histories can still score high overall as long as the other factors show good. If you are new to credit than there is little you can do to improve this part of your score. Open an account and be patient.

Pursuit of New Credit (10%) Credit is much more popular today. Just look at the number of credit card offers you get via the Internet and in the mail. Consumers can now shop for credit and find the best terms to meet their needs. Each time someone runs a credit check on you, it creates an inquiry.

Fair Isaac has changed some of its calculations to account for these new trends. Specifically, they treat a group of inquiries - which probably represents a search for the best rate on a single loan - as though it was a single inquiry (note: this only applies to auto or mortgage loan inquiries.) For example, auto loan inquires that are within 14 days of each other only count as one inquiry.

Types of Credit Experience (10%) A healthy mix of different types of credit, installment loans, retail accounts, credit cards, and mortgage. This score is not normally a key factor in determining your score but it can help a close score. Its not a good idea to try and open different types of accounts just to try and make this factor better. It will likely reduce your score in other areas. You should never open accounts you don't intend to use anyway.

What type of accounts you have, and how many, can make a big difference. The optimal ratio of installment versus revolving accounts depends on your profile and differs from person to person. One factor that seems to have significant influence is your percent of open installment loans. Too many can lower this portion of your score. For more information Click here.

Improving your credit score

Now that you know how your score is calculated, you can begin making changes to your current financial planning. The best things you can do are simple.

  • Pay your bills on time. Sounds simple, but this is the biggest thing you can do to keep your score high. Delinquent payments and collections have a major negative impact on a score.
  • Keep your balances low on unsecured revolving debt like credit cards. High outstanding balances can affect a score.
  • The amount of your unused credit is an important factor in calculating your score. You should only apply for credit that you need.
  • Make sure the information in your credit report is correct. If its not, dispute it with the credit agencies and/or with the creditor directly.
  • Removing negative items on your credit reports has the biggest impact on your credit score. Generally, negative items stay on your reports for seven years but you can hire a professional credit report repair service such as Lexington Law Firm to do it for you.
  • You can try to understand the laws and your self, but we have found it's so much easier to have someone do it for you. We strongly recommend using Lexington Law Firm, they are the industry leaders.