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TFCU Visa Platinum Credit Card Review

Written on November 10, 2011 – 5:47 am | by Alicia Ross

The Verdict: The TFCU Visa Platinum card has many advantages. It has no annual fee, exclusive Platinum benefits and the highest credit limits the credit union offers. The APR of 9.96% isn’t the lowest around, although it is very reasonable. Because it has no annual fee and earns rewards on every purchase, many cardholders can enjoy using this card to pay for everyday expenses to earn points as long as they don’t carry a balance. Overall, the card’s advantages outweigh the negative points and make it a good choice for members of TFCU.

Overview: The Teachers Federal Credit Union in Long Island, New York offers members a number of credit cards to choose from. The Visa Platinum card is designed to give members the most exclusive benefits, like preferred services and a credit limit up to $25,000. This card has few fees and earns cardholders points for every purchase that can be redeemed for airline travel and merchandise.

How These Cards Work: The TFCU Visa Platinum card is accepted worldwide and has a 25 day grace period on all purchases. Avoid

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Tags: Card, Tfcu Visa, Tfcu Visa Platinum, Visa Platinum

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Recession puts the north-south divide back on the misery map

Written on November 7, 2011 – 3:35 am | by Adam Gomez

Britain’s north-south divide has widened since the start of the recession and is likely to worsen as households in the north-east and Yorkshire are among the hardest hit by rising unemployment and falling house prices, according to a report.

Stalling wage growth, rising taxes, public sector cuts and personal insolvencies are also piling the pressure on people, say economists at PricewaterhouseCoopers in their regional household financial stress index.

Combining those factors paints a picture of a capital little hurt by the downturn compared with growing misery in Wales, the West Midlands and northern regions.

“Our research also highlights how different London’s experience of the recession has been from the rest of the economy. London performs worse than many other regions on measures such as unemployment rates, but our index demonstrates that the impact of the recession on household financial stress has been less in London than in other regions,” said John Hawksworth, chief economist at PwC.

The north-east and Wales were found to be the regions that have suffered the greatest increases in household financial stress since the recession began, followed by the West Midlands.

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Tags: Divide, Divide Back

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Debt Relief Information

Written on November 5, 2011 – 4:22 pm | by admin

In Idaho and around the country, it has represented remarkably easy for borrowers to find themselves in a situation where credit entry card bills may spiral out of control, and the motivation for debt relief has been never more important. Tied during the boom times of the last few eld, when the economy of Idaho and the rest of United States of America was blithely spinning along (and, perhaps unfortunately, quotation lived too freely given), our citizenry continued spending more than they earned, and, now that our financial system teeters upon the brink of total collapse, these in the flesh debt balances threaten the household stability of countless Idaho resident physician*.

With these debt loads continuing to produce – the necessary consequence of compound interest rates set as exceedingly high as the credit cards would allow – all merely the most self destructive of Idaho families have started out researching their debt relief alternatives. Read more…

Tags: Debt Relief

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Banks Pledge Not To Charge Debit Card Fees

Written on November 5, 2011 – 4:13 pm | by Adam Gomez

In the wake of the negative reaction to the introduction of a $5 fee for using debit cards by Bank of America, other banks are pledging not to implement fees of their own, with some banks abandoning plans that were already in place but had not yet been put into effect.

Among those who have pledged not to charge customers additional fees for accessing their own funds using debit cards are JP Morgan Chase, PNC and Citi. These three major banks made their announcements followed anger from consumers over the decision by Bank of American to introduce a $5 monthly fee for using debit cards to make purchases.

Bank of America has stated that the new fees, due to roll out early 2012, are necessary thanks to new federal regulations which came into effect on October 1, 2011. As part of the Wall Street reform laws of 2010, the new law caps the amount which banks are allowed to collect from merchants in debit card interchange fees.

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Tags: Debit Card, Fees

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How To Maximize Your Rewards With A Few Credit Cards

Written on November 3, 2011 – 2:29 pm | by Nicole Gutierrez

When every credit card has a unique benefit, how do you decide which ones to carry? Lets look at how to get above average rewards on gas, air travel and clothing purchases without carrying numerous specialty credit cards.

Gas is an ongoing expense for most households, so its natural to want to get as much as you can out of money you have to spend no matter what. The obvious solution is a gas station credit card but is this card the best option?

The ExxonMobil MasterCard, for example, offers 15 cents back per gallon on gas. Since this reward isnt a percentage, its worth more in places where gas is less expensive (like Missouri) and less in places where gas is more expensive (like Hawaii). At todays national average gas price of $3.47/gal. according to AAAs Fuel Gauge Report, 15 cents back is equivalent to 4.3% back a substantial sum. The card also has no annual fee. Assuming you pay your balance in full and on time every month, its hard to argue with this reward.

However, unless you purchase all of your gas at an ExxonMobil station and dont have to drive out of your way to do so, youre not really going to get 4.3% cash back on all of your gas purchases by having this card.

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Tags: Credit, Credit Cards

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IBERIABANK Visa® Platinum Card Review

Written on November 2, 2011 – 10:34 am | by Alicia Ross

The IBERIABANK Visa® Platinum Card is a great card for those looking for a low interest rate credit card. You’ll need excellent credit to qualify for this credit card.

The card has a rewards program that pays 1 point for each $1 you spend on qualifying purchases. You also have the opportunity to earn 17,000 in bonus points the first year. You can redeem points for merchandise and travel rewards online, over the phone, or by mail as long as your account is in good standing. Points can’t be purchased, so you need to have enough points in your balance to cover the award you want to receive. You can enjoy this low interest rate credit card and the rewards at no annual fee.

Applying for a credit card with IberiaBank requires a little more than other credit cards. Iberia Bank requires a recent paystub and income verification before they’ll issue you a credit card. Because of the extra verification process, it may take a few days, or even a month, to process your application.

APR and Fees

The regular APR for purchases will either be 9.25%, 12.25% or 15.25% based on your creditworthiness.

The card comes with a 1.99% introductory rate on balance transfers for six billing cycles. You mu

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Tags: Card, Platinum Card, Visa® Platinum, Visa® Platinum Card

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