Since we are located in New Jersey, we tend to speak with alot of clients who reside in NJ.  Consumers demand for credit card offers have risen recently.  The most probably reason is most likely because the of Holiday season.  Consumers need access to credit to purchase goods and services.  Credit Cards are a great resource for this, but here are some tips to help you once you obtain credit.

Don’t purchase more that you can afford to pay off in a reasonable time period.

Don’t make late payments, or you will have very high interest rates, and have a very difficult time paying off the credit card.

Don’t let a friend or family member “borrow” your credit card.  When it comes to money, your friends can quickly become your enemies.

Shop around for a credit card offer with the best interest rate and fees.

Have you been refused a credit card?  You will need to find a credit card that can help your establish credit.  Try looking at a secured credit card offer, which will require a deposit of money for your credit limit, fees, and higher interest rates.  (But you have to start somewhere)

So there you go New Jersey Credit Card Offer Seekers.  Be smart, shop smart, save money. A recent poll suggested that people are using credit cards to purchase gifts for the holidays, but many people in New Jersey have saved money just for the season, thus they don’t need to use there credit cards, or limit the use of. To those that didn’t save, take note of the concepts above.

In no way is this to be considered “investment advice or financial advice” This blog post is provided for informational purposes only.

Here is a list of a few banks that offer secured credit cards:

• Bank of America
• Chase
• Citibank
• Applied Bank
• Orchard Bank
• Cross Country Bank
• First Premier Bank
• Wells Fargo

So, if you have bad credit, this is an alternative route to help you obtain a credit card, that hopefully reports to all 3 credit bureaus, and with ultimately assist you in getting a good credit rating.  If you are interested in applying for a secured credit card, then feel free to browse some of our card offers to the left.

There are other ways to establish credit. Here are a few that come to mind: Open a savings or checking account and be sure to pay all your bills on time with them. Another alternative is to open a collateralize loan. If you really don’t understand the process, and would like assistance, then you can also consider locating a credit repair company that might be able to guide you. Be careful though, there are a lot of credit repair scams out there!

Once you get good credit, this means you have finally have proven your financial trustworthiness.  With good credit, you will notice that you will receive lower interest rate loans, lower fees, thus you will save alot of money!

Having good credit is really very important, and having bad credit can be a real problem.

The credit card processing industry can be very lucrative, but its not easy! Its all about Sales, Sales, and Sales. Oh, service too!

There are dozens of banks that you can work with to promote their products. How do you know which one to start promoting credit card processing for? You can start by comparing fees charged by each company and the commissions paid! Does the company lease the equipment or sell it? What other services do they provide? Does the company offer good support? Leads?

Back to the Sales, Sales, Sales… You need to be a good salesperson to succeed in this business. Knowledge of the industry always help.

Where can you view some credit card processing job offers? Here are two that come to mind:

Indeed.com
Simplyhired.com

There are other ways to profit from the credit card processing industry. Try exploring various merchant processing affiliate programs to start. Or how about promoting credit cards from a completely different angle? Find a credit card business opportunity that allows you to promote credit card offers online like at CreditCardBroker.com.

Are you looking to pay your credit card bill online?

According to Google Adwords keyword tool, there around 720 people per month (Globally) searching the phrase: “pay credit card bill online.” The thing that we don’t quite understand, is why would someone do a search in Google for something like this? There are hundreds of credit card companies out there. Putting in a search like pay credit card bill online doesn’t make too much sense.

If you are trying to find out how to pay your credit card bill online, please don’t do a search on Google.com You may find some unethical site that is trying to pose as the real bank, as an attempt to steal you personal information.

This is what you should do:

• Find a monthly statement from one of your past bills
• Confirm the correct number for customer service
• Call them and ask them how you can setup an online bill pay

Its that simple! Don’t do random searched online for things as important as this.

Laws are in full force this year as Colleges have special requirements limiting credit card marketing. The new credit card laws are designed to try to help educate students about credit, before they actually start to apply for a credit card. In the past, college students simply applied for a credit card, grabbed their free shirt or candy bar that was given to them, and starting to ring up bills on their new student credit card. They had not idea how to properly manage credit, or leverage credit. They simply went on a shopping spree with their free money (in their mind). All was great, untill they received a credit card bill at the end of the month.

Educating college students about credit cards makes sense. If students learn about credit early on in life, they can saves hundreds and thousands of dollars in interest in the future. How? When people go to apply for a homes loan, car loan, or other type of loan, the better there credit history, then the lower the rate of interest they have to pay. Did you ever try to pay off a large credit card bill with an interest rate of 25%? Good luck with that, especially if you have limited income.

Start learning about credit today. You can contact the FTC more more credit card education materials. Once you understand credit and you are interested in applying for student credit cards online, feel free to check out some of our student credit card offers on CreditCardFactory.com.

Some Basics of the New Credit Card Laws

The new credit card laws require credit card companies to disclose certain things such as:

• When your interest rates will increase
• When other credit card fees will increase
• When other significant changes to your terms and conditions will change
• How long it will take to pay off your credit card balance

Students, there laws are here to protect your and educate you, so if you see the opportunity on campus to learn more about credit, then take advantage of it.

Why can’t I get approved for a credit card? This question is not as simple as it seems. There are many reasons why a person would be refused a credit card after applying for one. A few reasons are: No Credit, Bad Credit, Late Payments, Too much of a credit risk, income, not a US resident, etc. As you can see, there are many reasons why a person would be refused a credit card and thus, complain and ask Why I can’t get a credit card.

Here is the good news. Banks created options for people who have been refused a credit card in the past. What kind of options. Well, if you have been refused a credit card, then its time to start looking at the credit cards that are designed for bad credit. There are secured and unsecured cards that were created to people with no credit, bad credit, or college students.

The Secured Card is one way to help you establish credit. If you are interested in learning more about what the best secured credit card offers are and how to apply, then visit CreditCardFactory.com and check out the secured card page.

If you want to view both secured and unsecured credit card offers then feel free to visit the bad credit section of our site.

So, you are trying to find about what bank offers the best secured credit card offer?  There are several banks that offer secured cards.  Here are a few names:  Public Savings Bank, Applied Bank, Orchard Bank

First, what is a secured credit card.  People with no credit, or even bad credit, should be considering a secured credit card.   Credit Card Companies understand that you need to start somewhere.  So, they created a credit card that requires a security deposit (collateral).  By doing this, you are telling them, I want a credit card, and I am willing to put money up into a savings account as collateral to prove to you in the long run that I am responsible and I will repay my debt.  Use the card responsibly, pay it on time every month, and start to re-establish credit.

According to the FTC, This is the difference between a Secured Card and an Unsecured Card:

Secured and unsecured cards can be used to pay for goods and services. However, a secured card requires you to open and maintain a savings account as security for your line of credit; an unsecured card does not.

The required savings deposit for a secured card may range from a few hundred to several thousand dollars. Your credit line is a percentage of your deposit, typically 50 to 100 percent. Usually, a bank will pay interest on your deposit. In addition, you also may have to pay application and processing fees — sometimes totaling hundreds of dollars. Before you apply, be sure to ask what the total fees are and whether they will be refunded if you’re denied a card. Typically, a secured card requires an annual fee and has a higher interest rate than an unsecured card.

When you are comparing secured credit card offers, there are a few things you need to look at.

• Annual Fees
• Monthly Fees
• Service Charges
• Intro APR
• Ongoing APR
• Minimum Deposit Required
• Eligibility Requirements: Income and Age

Make yourself an excel spread sheet, compare each offer side by side, and determine which offers looks more desirable.  A little homework can save you alot of money, especially when it comes to applying for a loan, or credit card (both secured and unsecured credit cards)

Compare the Best Secured Credit Card Offers at CreditCardFactory.com.  You can click, compare credit card applications, and apply online.