premier credit card

If you have bad credit, you need to apply for the First Premier credit card which has been specifically designed for people facing the same situation as yourself. It is designed to allow just about anyone to qualify for it but on the downside it carries some stronger fees and penalties if you are late on your payments.

But, if your credit is messed up, this can be just how it goes as you try to rebuild your credit score.

It takes more than just making regular payments on your credit card, though. Most often, you need to dig into your credit scores and have negative remarks removed from it by talking with the credit boards. By doing this, you can open yourself up to a whole realm of new possiblities in terms of credit cards with higher limits and lower interest rates.

This card can help you on the road to recovery in that once approved, you can use it to establish a good track record of timely credit card payments, which is a huge help in these hard times as most banks have made their credit cards much more difficult to be approved for.

To start, the Premier credit card has a two hundred and fifty dollar limit. But when you are just starting out, the yearly fees are taken off of this limit. These fees are a program fee of nintey five dollars, the annual card fee of forty eight dollars and the servicing fee of eighty four dollars, and the account setup fee of twenty nine dollars. So, you end up paying all the fees up front. So, for your first month, you can't really use the card until you have paid all the fees. (And that's why pretty much everyone qualifies for this card - all fees are paid up front.)

So, if you don't want to pay these kind of fees, you will have to start repairing your credit directly and removing negative reports from your card. But if you can't do that, at least you can try to establish some form of consistent payment.

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sams club credit card

When it comes to exclusive, members-only grocery shopping in America, Sam's Club takes the cake. It is known across the country as the best members-only shopping club. Sam's Club is fully owned and operated by Wal-Mart Stores. It was established in 1983, aptly named after Wal-Mart's patriarch, Sam Walton. Nowadays, Sams Club is the place to be for people who want to stock up on goods big time. In there, wholesale is the game. You can purchase item cheaper here as compared to regular groceries because you get to by them at wholesale price. Sam's Club also offers its members a special club-exclusive credit card. Sams credit card is a special card one can avail from Sam's Club that gives you special and exclusive discounts and privileges.

A Sams credit card is released under the Discover card brand. One can get a card based on his or her membership type. Personal members can avail of the Advantage credit, while Business members can avail of Business credit. By using your Sams card, you can get as much as 2% credit reward for every dollar you spend in Sam's. That credit can be used in paying for future purchases you make at Sam's store. For Personal cards, a 1% credit reward is given, while for Business credit holders, one can get as much as a 2% credit. Once you become a Sam's Club credit cardholder, you would have to surrender you Sam's membership card; the card will serve as you membership card.

Applying for a Sams credit card is very easy. It's practically a sure thing once you are a member of the club. However, one thing you should remember when using you Sam's card is to be credit savvy. You have to make sure you reap more benefits than you pay. If you are not wise in using your Sam's credit card, you could end up being charged big time as store cards always charge more interest and fee.

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Barclays Credit Card

If you are looking for one of the most stable financial institutions in the world (and who isn't these days?), you should consider Barclays. Not only is it a rock in the financial industry, it is also one of the largest companies in the world according to Forbes. With its headquarters in Canary Wharf, Barclays serves customers all across the globe. Majoring in financial services, Barclays can offer you everything from personal banking and investments to wealth managment and credit cards (one of the best in the UK) and other services - all of which come with their high degree of customer service.

This is an important and somewhat overlooked part of applying for a credit card - you want to ensure the viability of the company offering the card. You don't want to go through the process of signing up for, qualifying for and then receiving a card only to have the financial institution you got the card from go out of business. I know that this seems unlikely, but recent history has shown us that this can happen in the blink of an eye.

There are literally thousands of credit card options available throughout the world, so it is important to know what makes Barclay's credit card so unique. To put it simply - it's their benefits that most other financial institutions just can't compete with. With their cards ranging from sixteen percent (Barclay's Classic Card) to about nineteen percent (Platinum Card) all their cards give the cardholder access to their Freedom program, where the customer can earn points from every purchase they make using the card. And these points can be used just like real money, where you can spend your points at participating companies. Of course, with a renowned institution like Barclays you get other things like benefits you get from a Barclaycard are identity protection service, travel service, purchase delivery protection and Barclays Unwind privileges.

To apply for a Barclays credit card, you may be lucky enough to receive direct correspondence from them to sign up for a card (this is usually the case if you already have an existing account with them), or you may need to go to your nearest bank.

Remember, when signing up for a credit card, the vast majority of the time the interest rate is dependant upon your credit score and history. So if you want to meet the criteria for a lower rate, make sure your credit is in good standing before you apply for a Barclays credit card. It could literally save you thousands of dollars in the process.

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