balance transfer credit cards
    Balance transfer credit cards      Site disclaimer      Email Us    
Balance Transfer to Discover More(SM) Card Discover® More(SM) Card


Discover More(SM) Card
Intro APR: 0%

 Issuer: Discover®
More ways to enjoy more cash than anyone else*. Enjoy a 0% Introductory APR* and get 5% Cashback Bonus® in popular categories like travel, home, gas, restaurants, movies and more and up to 1% Cashback Bonus on all other purchases.
For your peace of mind you'll have a $0 fraud liability guarantee. This card also offers the easy online Account options that put you in control and you'll pay no annual fee.
You also can Increase, even double, your rewards when you redeem for gift cards from our 80 Cashback Bonus Partners. *View Discover® Card Rates, Fees, Rewards and Other Important Information.





 Back to the category menu

Apply for Discover® More(SM) Card

Refinancing your mortgage loan can be a stressful process; some mortgage lenders try and take advantage of their borrowers with the intent of repossessing their homes. Doing your homework and researching mortgage lenders will help you avoid these predatory lenders. Here are several tips to help you find the best mortgage lender for your financial situation.

At least 24 hours before closing on your new mortgage it is important to get all closing costs, fees, points, what they are for, and your interest rate in writing. Many lenders will try and raise your interest rate .25% just prior to closing because they don’t think you’ll forego closing. This .25% they slipped into your loan contract will cost you thousands of dollars over the life of the mortgage.

If a lender or broker encourages you to borrow more than you need or asks you to sign incomplete or blank documents, this is a sign that you should find another mortgage lender. Borrowing too much could lead to a monthly payment you cannot afford and end in foreclosure. If you sign blank or incomplete documents the lender could fill in anything they like and you have already agreed to unfavorable terms or even balloon payments.

Make sure your new mortgage does not include any kind of prepayment penalty. Mortgage lenders use prepayment penalties to discourage homeowners from refinancing. This penalty can be quite steep; some lenders charge as much as six months interest on 85% of the original loan balance. Bad credit mortgage lenders tend to be inflexible when it comes to prepayment penalties; however, if you are a homeowner with good credit there is no reason to accept a mortgage that includes any prepayment penalties.

Finally, make sure you are qualifying for an interest rate that corresponds to your credit rating. Predatory lenders often try and sell bad credit mortgages to homeowners with good credit so they can charge more. When you carefully compare loan offers from a variety of lenders and brokers, it is very easy to spot lenders that are overcharging.

You can learn more about mortgage refinancing, including costly mistakes to avoid by registering for a free mortgage guidebook.


  • Transfer your balance to Discover® More(SM) Card

  • Most recent annual survey from the Profit Sharing 401k Council of America (PSCA) reflects growing participation in automated 401k deferrals. It shows that last year along six million participants were added in around 51 profit sharing plan. Also, the average deferrals were 5.4% for average compensated participants. Companies were averaging 4.7% matching in contributions.

    According to other sources people invest in 401k as much as they could. It leaves question can you really affect you investment. The answer yes, and here is what should be done. So many things affect average family, gifts, clothes, appliances and food.

    And here are Thanksgiving and Christmas traditionally high consumer spending holidays. The average income family would try to balance current season gift spending and the next year balance. It is important to remember to follow your 401k or your stock investment. Also, look trough quarterly statements and to make adjustments.

    Majority of 401k investors think that there is nothing they can do to improve their fund performance, it is not true. Here are some tips for coming season:

    1. Review your employer matching policies, you could ask at HR department where you work what is maximum your employer is matching on 401k. Any decisions should be made upon your budget. If you increase your portion would it hurt you on your income side? Usually, increase from 5% to 7% matching does not make difference in your contribution.

    2. Review risk of your 401k. Read your statement and it should indicate risk of your investment. The risk factor should be adjusted according to your age. Younger investors could keep higher risks, and older investors should stay away from risk. The reason is that portion of you investment could fade away quickly with negative development on the market. Younger folks have time to recover market downs.

    3. Look trough your portfolio, witch sectors you are investing. Follow major market news to see how certain industries are doing. All the major financial news agencies present sufficient data on market performing, inside trading, comparison to industries and future trends.

    4. Make changes only if you see long term benefits. Sometimes, quick market speculation at the end of quarter drive price up, but it is only for the short time. Analyze your investment based on 2-5 years performance.

    5. Try to set the goal for your 401k performance for the next year. Compare with other funds using online tools. Ultimately you are planning for your retirement and earnings from 401k should be enough to make your retirement pleasant.

    Finally, it is your own interest how much you will earn investing into 401k. Your close attention will be paid off, plus it will give you security for your retirement


  • Raise your credit score with a help of Credit-Rocket! Read the Chase credit card reviews
  • Tired of high charges? Find the best database for credit cards! Read the fine print and find the Annual Percentage Rate (APR). This is the interest rate the companies charge you if you carry a balance. You want the lowest rate possible; as each percentage point drop will save you money on the months you have an outstanding balance.