Fast Credit Card Application

Do you receive pre-approved credit card offers? You’re not alone.  In fact, the credit card industry sends out several billion credit card offers each year.  The good news, if you’re receiving credit card offers, is you usually must have good credit or you wouldn’t receive these offers.

The credit card issuers select names from the credit reporting agencies’ databases based on credit requirements that are acceptable and send a pre-approved credit offer.  They can do the same by providing their own list of names to screen for credit.  You have already qualified for the credit card and can accept the offer if you want.

If you discard these offers (you should shred them to avoid someone else opening an account in your name) and aren’t interested in opening a new credit card account, you can stop them.   This process is call “opt out”.  It is a federal program sponsored by the four credit report agencies (CRAs): Equifax, Experian, Innovis and TransUnion.  There are two options, one is to opt out for five years and other is to opt out permanently.

Opt out for five years – To opt out for five years, call 1-888-5- OPT-OUT (1-888-567-8688 or go to the website at optoutprescreen. This number and site ar

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Tags: Card Offers, Credit Card, Credit Card Offers, Offers

Cash back credit card offers are becoming increasingly popular. The reason why is because everybody likes being able to get some money back as a result of making purchases. For example, let’s assume for a moment that you do some shopping.

Furthermore, let us assume that you purchased several hundred dollars worth of goods. Wouldn’t it be nice to pay for those things with a credit card that then provides you with some cash back? Of course it would. This is why cash back credit cards have become so incredibly popular.

Cash Back Credit Cards Entails

Naturally, more and more people are beginning to look for cash back credit card offers that they can sign up for. In many cases, you can get signed up with a deal that provides you with up to 5% cash back on all qualifying purchases.

The key word here is qualifying purchases. The credit card company will sometimes only allow you to get cash back on certain purchases. That means that if you purchase something that is not covered, you cannot technically get any cash back for it.

What some people choose to do is to carefully review what purchases they will be making. The

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Tags: Back, Card Offers, Cash Back, Credit Card Offers

With Christmas right around the corner, it’s the perfect time to review some of the best credit card offers for the holidays. Whether you spend a little or a lot this holiday season, you can save a ton of money by using the right credit card for purchasing gifts. Use the wrong card, and you’ll end up missing out on some potential savings.

The best holiday cards fall into one of three categories: cash back, 0% APR, or travel rewards. Depending on what your financial goals are, picking the right card is really pretty easy. We’ll start with the Credit Card Offers IQ editor’s pick for the best holiday card, and then we will review several other top picks in each category.

Holiday Credit Card Editor’s Pick

Chase Freedom Card

The editor’s pick is an easy choice–the Chase Freedom Card. The Freedom card gets our editor’s pick because it combines all three features that make for a great credit card for the holidays (or anytime for that matter). First, it offers 1% cash back on all purchases, and up to 3% cash back on select categories of purchases. Second, the Fre Read more…

Tags: Card Offers, Credit Card, Credit Card Offers, Holidays