 Total Rewards® Credit Card
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Intro APR: 0%
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Issuer: Card issued by FIA Card Services, NA.
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Earn 1 Bonus Reward Credit for every $1 you charge in net retail purchases anywhere- at the grocery store, mall, gas station, online, even when you pay recurring monthly bills. These Reward Credits will be added to your Total Rewards account balance, which can also be filled by your gaming play at any Harrah's Operating Company casinos.§
Total Rewards Credit Card
Earn 2,500 Bonus Reward Credits after your first transaction.§§
Use your card at least once every six months to ensure your Reward Credits will not expire!
Redeem your Reward Credits for exciting rewards such as show tickets, gourmet meals, exclusive vacations, and more.
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 Apply for Total Rewards® Credit Card
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So you need to apply for a new credit card. Well, have you thought about applying for it online? All of the major credit card issuers, and most of the minor ones, now allow you to apply via their websites. This offers a number of advantages compared with the old method of filling in a paper form and sending it by snail mail. One big advantage is speed. Your application will be instantly received by the card company and at least some of the processing will be handled automatically. Admittedly the card issuer will want to make certain checks with credit reference agencies to ensure that you are creditworthy, so you shouldn't expect an immediate yes or no. However, the waiting period between applying for the card and getting approval for it is likely to be as much as a week less compared with the traditional method of application. Another big advantage of applying for a credit card on the Internet is that it is very easy to research the best credit card offers. Nowadays there are hundreds of different credit cards available, all offering different combinations of terms and incentives. It is very important to study the market carefully, therefore, rather than simply filling in the first application form that arrives in your mailbox. Independent credit card comparison sites such as make this easy by listing all the best current credit card offers, updated daily. Once you have found a card you are interested in, go to the issuer's website and study all the details of their offer. Check in particular for low introductory rates, cashback offers and balance transfer deals. If you are happy that this is indeed the card for you, look for a button labelled "Apply Now" or similar. Click on this and a new page should open, with an online application form ready for you to fill in. The details you will be asked for are just the same as when applying for a card by mail. They will include your full name, address, telephone number, occupation, annual income, and so on. You are also likely to be asked some security questions, e.g. your date of birth, social security number and mother's maiden name. These are used to help prevent fraudulent applications. Once you have completed the form to the best of your ability, click on Submit, and click again to confirm your application if requested. If you have omitted any information or filled in any parts of the form incorrectly, you will be asked to try again. Otherwise, you will see a message that your application has been received. All being well, you will then receive approval of your application within a few days, and the card itself shortly after that. |
- Transfer your balance to Total Rewards® Credit Card
- Everyday, people spend for different purchases either on goods or services. Money is required when you go to a store, a gasoline station, a restaurant, and many more. In all these different situations, running out of cash is probably the last thing that you have in mind. But even so, there are unavoidable circumstances when you do run out of cash; and the situation can be quite embarrassing, especially if you don't have any credit card.
A credit card allows you to make purchases on credit, as long as the store accepts credit cards. With the card in hand, running out of cash is not much of a problem anymore. That is why many people are finding credit cards quite handy, and there are even those who can't live without it.
But wait, applying for any credit card that comes your way is a big no-no. Credit card companies often have enticing offers, but don't be easily fooled. You should be careful in choosing the card company that will definitely suit your needs.
Here are terms that you should be familiar with before filling out any application form.
Annual percentage rate or the interest rate - cards are being charged with an annual interest rate based on your purchases, cash advances, and/or balance transfers. You must know that there are cards which have variable interest rates, while other has fixed rates. Some companies offer low introductory interests to attract customers, after some time, the rate will increase as soon as the introductory period is over.
The grace period is the allotted time given to cardholders in order for them to settle their account in full. After that certain period, finance charges will be credited to the cardholder's account.
Annual fee - having a credit card is a privilege, and because of this annual fees are charged. If you shop around, you can actually find credit cards which have very low annual fees, and if you're quite lucky, you might find one which does not charge any annual fee.
Cash advances - compared to regular purchases, interests on cash advances are much higher; you can get cash advances through ATM machines.
Fees on over-limit - credit card holders are provided with credit limits; in case you exceed this limit, a certain amount of fee is charged called over-limit fees. However, this is not a very ideal situation especially if you need to use your card during emergencies.
Balance transfer - if you are not satisfied with your present card, you can take advantage of balance transfers; this allows you to transfer your balance to a new credit card. Many people are attracted to this scheme because of very low interests. Be aware that low interests are offered for several months only, the most is at six months. After that, a much higher rate will be charged. You should first ask the card company about this matter.
Disclosure - you must be aware that there is a federal law which requires credit card companies to disclose all information about the credit card. Be wary of companies who fail to disclose important information about the card because they may be a fraud. This information includes APR; finance charges computations, grace periods, late/annual fees, and many more. As a responsible consumer, you should read all disclosure information to protect yourself from any deceit.
- 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.
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