Credit Card Archives - Finance Guide

Canara Bank Credit Cards: Eligibility, Features, Types and How to Get One

June 24, 2021 by admin Leave a Comment

Canara Bank is a centralised Bank owned by the Indian Government. It offers various services to make its customer’s banking experience pleasant.

Canara Bank Credit Cards: All You need to Know

Credit cards are payment cards. Canara Bank becomes the issuer of your card and you can borrow any amount of money (credit limit) from the company. Canara banks offer credit cards that suit the needs of individuals from all fields.

How can one get a credit card from Canara Bank?

Anyone who is eligible and wants to acquire a credit card from Canara Bank can do it by the following two ways:

1. Visit your nearest Canara Bank branch and inquire about the kind of credit card you’re interested in. The faculty at the Bank will guide you through the procurement process.

2. You can get your credit card online by visiting the Canara Bank official website. You can browse the “credit card” facility from the site. Fill in your personal and contact details , verify yourself through a KYC. A bank staff will get in touch with you soon after.

Eligibility for the Canara Bank Credit cards

The eligibility to obtain a credit card differs from individual to corporate, and depends on the needs of the customers. There are several cards offered by the Bank. The basic eligibility criteria is :

1.Age : 21-60 years

2.Income : Minimum 1,00,000 p.a. (Depends on the type of card you’re availing)

3.Nationality : The candidate should be a resident of India or a Non-resident Indian.

4.Credit history : The applicant’s previous credit history , his ability to repay debts plays an important role.

5.Documents required : Passport size photo, Copy of PAN card, income proof, Aadhar card, financial statements of the company (in case of a corporate card).

Features of Credit Cards by Canara Bank

Credit limit : Canara Bank offers a copious credit limit depending on your annual salary, age, employment status. You can get upto ₹25 lakhs credit limit. (T&C applied)

Centralized Bank : The Bank can be trusted and relied on because it is run by the central government and majorly focusses on welfare of society.

Insurance : Canara Bank offers Mediclaim insurance (M/s United India insurance company) complimentary baggage insurance (upto 25000) and complimentary accident insurance (for the candidate and their spouse)

Reward points : You can log into www.canararewardz.com and activate your reward points. You get 2 rewards for spending ₹100. Each reward point Is worth ₹0.25. These reward points are also redeemable.

Cash advance : Canara Bank allows you to withdraw 50% of your credit limit and enjoy the advance cash offered by the issuer of the card.

SMS alerts : Canara Bank allows the customers to be updated on their balance, bill amount, due dates,etc. regularly through SMS which are absolutely free of cost.

Globally accepted : Canara Bank also issues international cards which are globally accepted on special request.

Zero fees : Canara Bank charges no fees on credit cards. Only corporate credit cards have an annual charge of ₹400.

Protection from fraud : If you think that you have not transacted for any purchase, you can immediately report to the bank. You’ll be protected against paying for it.

Interest free : Canara Bank gives you 50 days interest free period to make your payment.

Types of Canara Bank Credit Cards

Canara Bank offers 5 different types of Credit cards:

1. CANARA BANK VISA CLASSIC CREDIT CARD: This credit card aims at meeting common expenses by customers. This is brought to the customers in association with VISA. One can credit ₹50000/day with this card. Insurance for accidents and accidental deaths is provided with this card. The candidate’s income should be ₹1 lakh p.a. to avail this card.

2. CANARA BANK GLOBAL GOLD CREDIT CARD: This card is made to meet a lavish lifestyle. It is a premium credit card and offers the customers to withdraw ₹50000/day. It provides higher insurance coverage. The applicant’s income should be ₹1 lakh p.a. to get this card.

3. CANARA BANK CORPORATE CREDIT CARD: This card is designed for corporate needs. The credit limit on this card can be extended upto ₹100 lakhs. It is issued to companies and businesses. The company can withdraw upto ₹5 lakhs/day.

4. CANARA BANK RuPay PLATINUM CREDIT CARD: This is a lifetime free credit card. The users get 300+ reward points on first usage. This card aims to make your daily transactions secured and satisfactory.

5. CANARA BANK RuPay SELECT CREDIT CARD: This is also a lifetime free credit card. This card gives you access to merchants. You can also be part of various exclusive clubs using this card.

Should You Opt for Canara Bank Credit Cards?

Every blessing comes with a curse. As important and beneficial the credit cards might seem, they always need to be regulated. The Canara Bank credit cards do make your life and purchases easy but they also advise you to repay on time and only take as much Credit as you can pay back.

OBC Kisan Credit Card (KCC) loan: What is KCC, Eligibility Criteria, Loan Application Process

June 17, 2021 by admin Leave a Comment

A kisan credit card is an initiative by the Indian Government and provided by the Oriental Bank of Commerce (OBC) to give financial assistance to the farmers. The scheme was launched in 1998 with an aim to eliminate the financial crisis faced by the farmers and to solve the problem of debt faced by them. This was initiated by the National Bank for Agriculture and Rural Development (NABARD). The kisan credit card rescues farmers from their burden and makes their lives easier.

Who are eligible to get the OBC KCC Card?

The Kisan Credit Card can be provided to farmers who are owners or cultivators of agricultural land.
It can also be issued to a self-help group of farmers.
Tenant farmers can avail this card
Fishermen who have agricultural business can get this card.
Dairy farmers can get this credit card.

The following documents are to be produced for eligibility

The candidate needs to fill an application or form provided by the Bank in order to avail the facility.
An address proof is to be submitted (Aadhar card, PAN card)
A proof of address like voter card or Aadhar card is to be submitted.

The Kisan Credit Card is offered by various banks such as State Bank of India(SBI), Bank of India and Axis Banks.

How to apply for OBC Kisan Credit Card?

The applicant or farmer can visit a nearby branch of an Oriental Bank of Commence bank. They can enquire about the card and the bank staff will guide them with the application form and further details. With proper documents and if eligible, the farmer can avail the OBC Kisan Credit Card.

Alternately, you can visit the official site of the OBC bank (now Punjab National Bank) Look for a Kisan credit card and download the application form. Duly fill the application form and submit it to your nearest bank branch. The credit card will be dispatched and sent to you after proper inspection.

Can you get Loan on Kisan credit card From OBC?

Farmers are offered Loans at low interest to enhance their banking experience. Furthermore they following features define loan on KCC.
There is no limit on the loan that can be borrowed using this credit card. But the credit history of a farmer is also kept in mind while giving out a loan.
The farmers have to provide some security against a loan. They can’t take a loan without giving the bank some sort of assurance. The security provided can range from crops, good and services, or their agricultural land.
Rate of interest on the loans availed are really less. They range from 2.25% to 3.50%.
The farmers can avail loan upto 3 lakhs under this scheme.
The repayment of loans are made easier by setting the time for repayment around harvesting or marketing period for the crop.

Like any other bank, you can opt for OBC Kisan Credit Card Loan. For that, you will need to visit Punjab National Bank and apply for one.

What are the Benefits of KCC?

The rate of interest offered by the banks for Kisan credit cards are attractive and low. They are easily affordable.
Distribution of loans and money to farmers has been easier since then. The lending and sending money through a credit card has encouraged more farmers to use this card.
Repayment of loans is easy now and can be done without any complications.
The credit limit for an account can be increased based on income or special request.
The Kisan Credit Yojna also provides insurance against damage of crops which ensures that the farmers don’t go into debts.

Should You take a OBC KCC Loan?

You should definitely consider taking a OBC KCC loan if you need one. As per this Central Government scheme, you are given a loan at a very small interest. Apply for OBC KCC loan today.

SBI Rewardz – How to Earn SBI Credit Card Reward Points?

June 8, 2021 by admin Leave a Comment

The State Bank of India is one of the best government-owned banks in India. This bank is having more branches than any other bank. Honestly, the State Bank of India is having a lot to offer its customers. In this article, we are going to talk about SBI Rewardz Points.

SBI has a lot to offers its customers. The State Bank of India offers reward points to every credit card user. But, it is essential to choose the right credit card to earn maximum reward points. For instance, we are adding this article to let people know about the SBI Rewardz points and a guide about redemption.

Let’s have a look in depth.

How to Earn SBI Credit Card Reward Points?

You can earn maximum reward points by spending at retail stores and online payments. You can get the most out of your rupee spends in online stores and retail payments. You can exchange the reward points for various merchandise and cash.

However, the reward points depending on the credit card you choose. Thus, one needs to complete the application and choose the credit card wisely. For instance, a normal savings credit card will give you 2 reward points for every 100 Rs transaction. It depends on the credit card and how often they change the reward points facility for the customers.

Generally, you can apply for a savings credit card and earn 2 points for every 100 rs spent on offline transactions and 4 points for every 100 rs spent on online transactions. This may vary on various credit cards.

Transactions are not valid for reward points –

E-Wallet loading transactions
Cash withdrawal
Balance transfer
Disputed transactions
Purchases at petrol pumps or service stations
Encash or Dial-a-draft facility

How to Redeem SBI Rewardz Points?

You can redeem your SBI Rewardz points of credit card using the internet banking option. There is nothing difficult in this process. You only have to log in to the net banking portal. For instance, you can follow the steps that are given below.

First, one needs to visit the online portal of SBI Bank. You can visit by clicking here.
After that, you need to login into the internet banking portal. Just enter the customer id and password to continue.
After that, just select the credit card option from the dashboard.
You now have to choose the credit card and select the reward points option.
After that, check out how many reward points you are having.
You now have to redeem it according to the convenience.
You can redeem it for various options available there.
Just choose and redeem the SBI Rewardz Points.

You may also like to read, SBI Net Banking – A Reliable and Smart Banking Experience

Conclusion

Here we come at the end. The State Bank of India offers reward points to every credit card user. You can apply for the SBI Credit Card online and choose various options.

Anyway, we are adding this article to let people know about the SBI Rewardz points. We have added every information that one needs to know about. If there is anything else to ask? You can always ask us in the comments section.

Target RedCard Review – Everything You need to Know about RedCard

March 18, 2021 by admin Leave a Comment

Issued by TD Bank, the Target REDcard is a brainer for the loyal supporters of the retailer. It can give good discounts on every purchase. Besides, there are also nice perks associated with it. So let’s get started with the review.

At a glance, it can be said that the REDcard credit and debit cards can give 5% of the discounts at Target and Target.com. Besides, it also gives The Perks free shipping and an extended return period, thus giving the creation of the two compelling REDcard offers. You can use the Targeted card at the stores and the website.

It is less appealing to be used as a greeting card for word. It gives good protection with the discounts available. You can get extended Returns, free shipping, and excellent offers.

Features –

Generous store discount

You can get 5% discounts on the eligible items that you purchase at the stores.

Free two-day shipping on millions of items

You can get the advantage of getting an order of at least $135 worth of the items for qualifying for the free shipment. With the Targeted card, you can get the standard shipping on most items.

Extended returns with other services

You can get the option for qualifying for the next 30 days on top of Target together 90 day return period.

Getting most out of this card

With the card, you can get a 5% discount on most of the items, but it is not applicable for all. You won’t get discounts on gift cards and other cards like purchases, over-the-counter pharmacy items, or purchasing in-store restaurant purchases, gift wrap, wireless Protection Program, purses, and similar other entities.

Security features

The REDcard gives enough protection that makes it a good option for processing of monitoring card activity and also helping in contacting you. It can give you protection in case anything looks suspicious. However, the card will not give options for zero liability protection.

Pros and cons

Pros

Generous store discount the extended returns with 2-day shipping on all the items are the major advantages.

Cons

There is a limit to acceptance, no traditional reverse program, high ongoing APR, all of which turn out to be the disadvantages.

Where to use the REDcard?

That Targeted REDcard credit and debit cards are only applicable for use at Target at Target.com. You can use the services located within the Target stores, but this process does not come with a 5% discount. The exception is Starbucks cafes in the Target store that can avail the discount. These rewards are associated with it. The Target rate card credit and debit cards come with a 5% discount for Eligible purchases. Although the Target gift cards and the prepaid cards do not have the eligibility for that, yet you will get around 5% off for other stores. The specialty is that REDcard always gives discounts immediately when you are making the purchase. N so you don’t have to stay worried about anything. You can also get an introductory bonus offer when you are applying for this card. There are promotional offers that make it beneficial as well.

Target’s RedCard as a credit card or a debit card gives valuable offers. The debit card has an association with the customers’ existing checking accounts. With credit cards, users can go ahead with in-store purchases or buy online. People make nearly one-quarter of all Target purchases with a Target redcard. 5% off purchases every day with free two-day shipping on most items makes the service very favorable.

High APR at 24.65% keeps varying based on market based on the prime rate. A late payment fee of up to $38 and a return payment fee of $27 turns out to be a little challenging for some indeed. The combined benefits of the redcard give the opportunity of getting a Mastercard Incorporated redcard.

Companies using loyalty programs collect customer data that also comes in association with the purchase, email, or phone call tracking. That said, it comes along with the data applied to algorithms. It does so for marketing and planning purposes. Based on this data, the company personalizes deals and discounts.

Both in-store and online ordering get enough engagement and offer convenience. Once a customer signs up for the advantage, Target begins collecting data from the individual’s profile. The best part is that the discounts on it are appealing to shoppers. Besides, there are also rooms for community donations. The high-interest rate and the late payment fees, however, turn out to be a drawback.

Benefits –

With the credit card, you can get availability of free two-day shipping on digital purchases.
The order cut-off time is also around 12p.m. Local time in the destination to which you are willing to ship.
Bonus savings also makes it favorable. You can sign up for the Target marketing emails to receive 10% off on the coupon for the Target purchases. By email, you can get it for the account anniversary 30 days.
Extended return is a major advantage. The cardholders can get the option of availing the additional 30 days for making the returns on the processes. With that, most Target items also have a return window of around 90 days that is applicable for extension up to 120 days.
Early access offers that it produces also ensures giving enough opportunity of optionally receiving the early access offers to the Target event sales and promotions or lease offers. It gets based on previous purchases and location.
Exclusive extra makes the TARGET redcard The cardholders get opportunities for the Exclusive Deals and discounts all available.
Whenever the process is made with the REDcard in the Target mobile wallet, you can get the opportunity of adding the REDcard credit or debit card to the Target mobile application where you can get access to using for the Target purchases.

The terms and fees associated with it

You can get the availability of the customizable fees, and none of them stays out of line with the industry standards.

Final words

With REDcard, you can get around 5% off at Target and Target.com. Besides, there are free today or standard shipping with the 30-day extras. That said, you can get plenty of support with the smaller discounts and the easy-to-use perk. So be ready to avail them today to enjoy the range of benefits.

TJMaxx Credit Card – Everything You Need to Know about TJMaxx Credit Card

March 6, 2021 by admin Leave a Comment

When considering the banking account, tjmaxx credit card takes functionalities and supplies the home good retailers in the U.S. This store provides chain pride by bringing consumers high-quality and branded products at prices.

You can consider full prices that may see at the other department stores. If you are frequent users, the customers are always searching for the best thing to enroll well for tjmaxx credit card. Of course, this credit card offers benefits to the family of stores. Among others, it provides a hassle-free experience that allows us to make sure in finding out certificates and exclusive shopping events. We consider certain things in mind because it delivers discount apparel and home goods that suit the requirements.

Why T.J Maxx credit cards are important?

At first, a user has to find out massive enrollment in obtaining a good credit card history forever. Within the limited store, the T.J. Maxx credit card can be used anywhere and MasterCard is also accepted. In this post, you can see the primary focus on using the T.J. Maxx credit card details without any hassles. You might be offered with the store which allows you to grab every point towards reward certificates.

You can get two different types of credit cards that simply boost the performance and are issued by the rewards of platinum MasterCard. You can even apply to the T.J. Maxx store for having a credit card in your hand. They could meet proper requirements and able to identify well on an approved thing. The store allows you to get the card well and act towards the points to reward well on earning maximum points.

In the specific terms, it includes some high variable APR that fluctuates around the prime rate. They consider an amazing solution to gear up the things which boost the performance within a limited time. When you approve the TJX rewards and credit card, you will get 10% profits for your first online or in-store purchases. They suppose to manage well and able to consider the bonus points taken within a limited time. You will also earn points and rewards on your first attempt at using the Tjmaxx credit card.

You may also like to read, JCPenney Credit Card: Things You Should Know Before Apply

Things we should know about T.J.Maxx credit card

When you have a T.J. Maxx credit card, you will know some important things in mind. Of course, you will find out something which could bring everything to know about the T.J. Maxx credit card details.

Earn 5% back on purchases

Of course, the T.J. Maxx credit card promotes 5% back in rewards for the customers. They carry out more things to manage well and depend on the five rewards points for every dollar. It is assuming well with the card by taking T.J Maxx or another TJX store forever. You can never get points expired because it is accumulating in your account until you reach 1000 points. Your points will be high each time when you generate the credit card.

A certificate will send to the receipt mail with a proper bank statement. Within two cycles, they depend on the trading post and able to find out third-party gift cards and they trade well for cash offers. As a result, it is suitable for you to get stores that accumulate well with goods to end up with the date.

Get 10% off welcome bonus

Customers are always providing with discounts and gifts. On these T.J. Maxx credit cards, you will get a credit card with a welcome bonus. For opening an account, you should use this card to get a 10% welcoming bonus as well. They bring forth lots of things to use only for good to use on the store without any hassles. However, you have to use the option to print out the coupon to use it on any U.S based stores like T.J. Maxx, Marshalls, HomeGoods, Sierra Trading post, and others.

You can even apply via a mobile device and be approved according to the requirements. They can only use a 10% coupon in-store for the customers.

Amazing discounts for cardholders

Unlike others, the T.J. Maxx credit card offers lots of benefits to the customers. Of course, they are using it because of amazing discounts and offers to the cardholders. You will get special discount opportunities to make exclusive private shopping events. If you need a card or sign up for the card, it also has an option to receive special offers via email.

Relatively high APR

Like most things, we should check T.J. Maxx’s credit card that provides a hassle-free experience to the customers. Of course, they are delivering a plan well with balance and consider it for every month. They significantly find out much more things to manage well with purchases on the interest. On the other hand, they are paying offers with limited interest and rewards to go in your hand. It supposes to consider well for paying and able to operate for high interest and rewards as far you go.

Must be used at T.J. Maxx stores

The main benefit of using the T.J. Maxx credit card is to consider better things on taking maximum rewards to the customers. It considers better options by changing according to the requirements. As a result, the Tjmaxx credit card offers to balance each other and gets many rewards when you follow the correct balance. They assure to give the best thing to change over with rewards and bonuses by accepting MasterCard facilities.

How to apply for a T.J Maxx credit card?

Of course, you can apply for a T.J. Maxx credit card by contacting any T.J. Maxx store. Customer service is responsible for accessing the application and processes them quickly. You will also apply online at the T.J. Maxx website for applications and need to provide your name, and other personal details asked in the credit card. You can easily manage the credit card account online within a limited time. You will receive monthly statements and choose from them to be paper or electronic.

Finally, you will learn everything about the tjmaxx credit card which gives so many benefits to the cardholders. You can even apply and enjoy its amazing benefits.

What Are The Chase Card Benefits And How Can I Use Them?

March 4, 2021 by admin Leave a Comment

Chase is one of the most popular portfolios of credit cards being the popular card issuer and now it becomes the best credit card on the market. Due to the increasing benefits, most people are applying for a Chase credit card. If you may be wondering how to carry out the application process you must read this article.

Chase offers the most attractive rewards so it can be valuable and flexible types of rewards that you can earn even chase card services also perfect for your to get rid of risk factors.

How To Apply For Chase Card?

In general, the application process is simple, to get the card you need to know about Chase’s usual rules, here are the tips for how to apply for a Chase credit card

When it comes to applying for a Chase credit card, it is important to understand Chase’s 5/24 rule, in general chase denies applicants who have opened five or more credit cards within 24 months. So you must check out how many credit cards that you have opened in that timespan. You only get the card when you pass the 5/24 rule, if you won’t pass then it is better to wait and apply later.

In addition to this, your credit score is one of the most important. Most of the chase card services are aimed at the individual who has a good credit score.

To apply for the card you need to click on the official link after that, enter all the required information correctly in the application form.
You need to enter your Personal information including Name, date of birth, mother’s maiden name, Social Security number, etc

Then it is important to fill in the Contact information that includes the Mailing address, phone number.
After, type of employment along with annual gross income
Finally, check the box to accept the application terms after that click “Submit.”
Then only your application will then be processed.
After you apply, you will get an instant answer. In general, the chase could instantly approve or deny it. Even Chase could put the application under further review sometimes.
Getting instant approval is one of the best-case scenarios.

With the Chase card, you will enjoy a lot of benefits, rewards as well as travel perks. No wonder there are plenty of other advantages also associated with the cards. You can explore some unique options from fraud protection to accessing the restaurant. Overall, it can be the perfect choice to add value to your lifestyle:

What Are Chase Card Benefits?

Here are some benefits you can look out for:

Theft And Damage

Usually, most credit cards also offer plenty of purchase protection against theft and damage. Similarly, the chase card also offers great protection at the time of theft and damage. If you have any doubts about this you must contact the credit card company. The experts will be available they will explain all your eligibility requirements and information.

No Annual Fees

There are no annual fees so it can be a perfect choice, so you can easily purchase everything that you need. in addition to this plenty of reward programs also available that will offer great comfort.

Scam Protection

With the Chase card, you will get great fraud protection, most importantly this will enabling you to dispute unauthorized purchases. The fraud protection features available for eliminating complications, when you experience any risk factors you can easily report suspicious through this you can eliminate unauthorized activity.

Travel Insurance

Most importantly, this card will be useful in many ways. With this, you will get flights and hotels, in addition to this offer travel insurance for flight cancellations, as well as you also take some benefits at the time of collision damage for rental cars. However, this will help abroad for emergency care. Before that, you need to check the cardmember agreement to find whether you are eligible for travel insurance.

This kind of card offers a hotel room as well as you will get a lot of benefits when it comes to the flight upgrades. With this you can easily take advantage of travel upgrades, so you should focus on the loyalty programs you can participate in for getting more reward points or cashback points at the time of upgrades.

Price Protection

While using chase cards you will get discounted price. It is one of the news features that allow you to save much amount of money. To get a clear idea you need to read the cardmember agreement carefully.

In addition to this, return protection is also available. Additionally, exclusions and limitations will be varying depending on your credit card issuer’s policy.

Chase Card Service

In some cases, people also experience complications with the chase card; in that time it is better to approach the experts. The professionals are available for resolving your complaint. A chase card service, the professional team always values providing great service, and the experts will handle your concerns efficiently. With the help of experts, you will get complete service. Providing outstanding client services is the main priority to the experts. If you are not satisfied with the service then it is better to contact the team directly either by using telephone, mail, or fax.

How To Contact Cardmember Services Staff?

If you have any queries or experience any problems you must approach the Cardmember Services staff. The contact information is also available. If the Cardmember Services staff is not able to sort out the problem that you have faced then they are also referred to a Supervisor.

How To Contact Executive Office Team?

When the Cardmember Services staff or the appropriate department Supervisor has failed to solve the problem or not adequately addressed your concern, then you must contact the Executive Office team via mail or phone number. The experts are always ready to offer the best service to you.

Conclusion

Taken as a whole, chase card is one of the best choices for you to explore a lot of features without any risk factors. Signing up for a credit card is simple, to enjoy the card benefit offerings you need to learn about the perks and features. Still, there are many variations out there that are made for your lifestyle.

Kohl’s Credit Card – All You need to know about Kohl’s Credit Card

February 24, 2021 by admin Leave a Comment

Shopping standard is gaining more pace and so its worth considering the credit card that will be giving you access to availing your needs easily. You will come to know about a course credit card that is issued by capital one and has bargain shopper printed on it.

The key highlights with the Kohl’s credit card

You can get the benefits of sitting around 35% on the first purchase and access to the extra savings. It also offers the service all year round. You can get the offers for the special anniversary every year. It will give the ability to combine the Kohl’s starts discounts with the cards and rewards.

The opportunity to enjoy all the options throughout the year also becomes the most favorable. The late fee that you have to pay in case of being late in repaying the amount in time is $38.

Who needs this card?

Kohl’s credit card becomes most useful for the person who is in the habit of frequently getting access to the retail chain often and those who issue due to the combined multiple discount programs in the process. It will also help to find the best possible price associated with it.

For whom is it not favorable?

The people who aren’t in the habit of purchasing from the kohl’s store repeatedly, you shouldn’t consider this method because it won’t give the simple and straightforward rewards program every time with further purchases.

Kohl’s credit card

The store’s kohl’s are pretty neat, and the purchasers will get a mix of fashions from goods as well as toys of all ages that get seemingly marked down. People love about the store the aspect that when registered, you will get the price that is even lower than what you expect. As you choose to check-out, you will get access to the sales clerk. He or she will be asking you if you want to apply for the charge card or not.

First of all, the high APR that is on 26.74% makes it better. There is no introductory rate, and the duration isn’t fixed unless you are receiving the notice. Remember that discount sometimes turns out to be quite pricey. But in case you are paying the bill on time, you can see that it gives you the opportunity of saving a lot amount of money.

Now let’s move on to the section of the card bonus for the new cardholders.

As a new cardholder, you can get around 35% off for online purchases with one day of opening and using the card. On the other hand, the other store cards will give you 10% to 20% of the discount. In case you are combining the discounts, you will get its application before the percentage is getting calculated. You will also receive a 15% coupon when your card is finally arriving in the mail. Certain brands and categories of the merchandise would not fall within the 35% of welcome bonus and the other coupons.

The working pattern of this card

The credit card works in the form of retail charge cards that means you can get it for use for the merchandise from the kohl’s store. In terms of the features, it is quite different from the traditional credit card like visa, American Express, Mastercard, or Discover logo. The kohl’s card also comes with the store credit, and like many other retail cards that are to be lower than the credit limits set by the regular credit card, the amount of the credit issue is dependent on the credit standing of the cardholder.

Though it sometimes turns out to be under $1000 for most people, kohl’s credit card works in the form of a charge card, and the balance is expected for payment in a full month. However, the cardholders usually carry a balance if they are willing to pay the variable annual percentage that varies around only 24.9 % as per the estimates of February 2021.

Pros

With kohl’s charge card, you can get big discounts besides getting 35% Once you are approved for the card, you can start using it.
You can also get a 15% off coupon when the card is arriving in the mail.
You can also get regular discount offers on the merchandise. The coupons for 15% to 30% are also much favorable. You can also use a discount in the form of rewards.
It becomes easy to qualify for a loan. If your goal is building the credit history, then the card is worth consideration. Since good credit is never a prerequisite, you can rest assured that the card is better when compared to many other general reward cards.

Cons

It is limited only to the purchases made at kohl’s store. You can’t use it in the form of a visa, Mastercard, American Express.
The discount offers are not up to the mark as the other cards.

You may also like to read, JCPenney Credit Card: Things You Should Know Before Apply

Bottomline

The cardholders always get the opportunity of participating in all the discounts and reward programs that are the same for all the shoppers. However, cardholders always get additional offers for storing discounts of around 10 to 30%. Every year there are many favorable gifts. The users can also enjoy the other perks like the mobile payment options and the online payment option. Similar to many other retail store cards, kohl’s card also comes with plenty of features, benefits, and costs. You can get the addition of the retail store card to the wallet to help you build the credit. If applying for the kohl’s charge card or any other retail store card, you will also have to consider how to plan to use it and how likely it is going to pay your balance.

Home Depot Credit Card: All You need to Know about HD Credit Card

February 23, 2021 by admin Leave a Comment

If you want the purchase from a home improvement store like home depot, it’s worth considering the credit cards that are worth it. In this review, you will come to know about the personal and commercial options with the home depot credit card. Besides, there is a detailed review ranging from the benefits to the drawbacks is associated with it.

With the home depot consumer credit card, you can get the 6-month financing on the purchase of $299 + that is available with 24 months of financing. During special occasions, you can get promotions; specific discount offers with one-year returns that make it favorable. Zero liability for the unauthorized charges with the sign-up bonus for the new accounts makes it better. With the home depot project loan, you can get the credit lines up to $55000. Besides, you can get the six months buying window with it.

At first, you will feel like these cards look like the typical credit card, but it’s not something like that; the advertised benefits of this card are the special discount offers, one year no hassle returns, no liability on the unauthorized charges along with 24 months of the financing during the special promotions.

Home Depot Credit Card

Not everyone gets access to the funds for making a large purchase outside the set limit of the upfront funding. This turns out to be a serious problem. With the home deposit primary financing offer, you can get the 6-month everyday financing of the purchase. Besides, the home depot also gives opportunities to the cardholders for securing the limited time only. Special financing offers come with twelve months of financing on the installed heating and air conditioning systems. There is 18-month financing on the additional purchases. 24 months of financing is there on the software installed, water treatment. Besides, financing offers to allow the cardholders to pay off their balance with no interest when it is paid in the time within the allotted period.

The working pattern

Home improvement doesn’t turn out to be the cheap point, but sometimes that is a must instead of another protocol. With the credit card from home depot, after being approved for the home depot consumer credit card, you will get the availability of 24 months of financing option. It is dependent on the price of the purchase. In case you are a frequent buyer, you will see that the card will offer flexibility by paying off the expensive items. The best part is that with multiple buys, you can get ready for the credit card that comes, inclusive of the consumer cards and company cards.

With the consumer card, you can get the consumer credit card that will be available for utilization by the individuals at the stores. It also comes with six months of 0% financing for the purchase of $299 or more that. The commercial cards for the contracts and businesses come inclusive the commercial charge card and the commercial account Citibank issues this card.

In case the card balance is not paid off by the financing period, you will get the interest associated with it. The APR ranges between 17.99 and 26.99 percentage. Depending on the creditworthiness, there is no annual fee associated with it.

The home depot credit card gives you more rewards.

If you are wondering whether the home depot credit card is a good deal or not, you will have to remember that the home depot consumer credit card transfer proves to be a great alternative to the home depot loan for household improvement purchases and other projects. You can also get the credit card by applying with the help of the credit center or by calling the home depot credit card phone number. The customer service will always be there to assist you besides you can also get in the facilities for availing the benefits for the extended period with the special financing options.

The newly introduced points to make it even better

New holders can get the model discount with a home depot consumer credit card. The $25 off on the first day of purchase as much as $999 off or around $100 off on in case of 1000 or even more than. The cardholders can get extend returns phase as well as highly sought-after offers.

With the continued home depot service, the buyers can get the huge benefits with hassle-free return shipping that is providing for the small season together with the card. It is around four occasions more than that would be obtained on the home depot. Home Depot also gives the card for the larger project. The home depot service is better because it gives the home depot customers that will be enabling the cardholders to borrow around $55000 for the huge advancement task for around 84 weeks at a stretch.

The overall pros and cons of the home depot credit cards

Pros

People with home depot credit cards can get additional benefits and enjoy no annual fees and when they return.
It also gives a gift option for enrolling in the commercial accounts for the extra facilities like the fuel savings and the 60 days to make the payment customer care service of the home depot.
It’s also good because customers get the opportunity of texting 38698 or phone call 8004 303 376. So, you can call them at any time for your convenience.
The special financing options besides every day six months also give it a favorable opportunity for the cardholders. Reliability makes it favorable.

Cons

There is a lack of flexibility because you can only use the cards only at home depot.
The retail interest rates vary between 7.9 and percent and 26.99% APR unless you are getting access to the project loan MasterCard.
If you are returning the money later than the usual date, you will have to pay the payment fees of around $35.

Final words

When you are shopping regularly at the home depot or being a contractor with a frequent supply list, then the store credit card can give them plenty of benefits. This is available with special financing offers. Customers who are in the liking of purchasing the multitude of the stores will not get the benefit from the home depot credit card.

JCPenney Credit Card: Things You Should Know Before Apply

February 22, 2021 by admin Leave a Comment

The JCPenney credit card is effective to apply and it is used for various purposes. When using the JCPenney credit card, you can purchase anything easily at JCPenney stores. The cardholders can gains more reward points easily. Including you can get excessive benefits as well!!!

JCPenney credit card gives the chance to earn more rewards for all purchases. There are many more benefits and excellence you can get with this credit card. JCPenney is the most wanted department store that gives quality products to customers. There are the most popular brands, home appliances, shoes, jewelry, and many more you can get. And it helps customers to earn the rewards when making the purchases.

Otherwise, JCPenney is given the own version of a retailer credit card as well. If you are interested to get a credit card, then you can apply for the card online or at other JCPenney stores in person. Based on your needs, you can get it easily. The card you can get with approval instantaneously. Including, you can get more options when Appling the card.

JCPenney credit card

JCPenney offers three types of credit cards that are standard, gold, and platinum. The entire card is managed via credit card issuers. When you initially sign up for the credit card, then you will be issued the regular red card. Based on your transaction, you can get a credit card.

If you are using the JCPenney credit card for the account opening, you can get offers for select items such as salon products, accessories, apparel, and shoes, etc. similarly there are different offers you can get as per a certain percentage level.

Where can use the JCPenney credit card?

Moreover, if you are a regular cardholder of a JCPenney card, then you can get an upgrade to MasterCard further. And you need fair credit or healthier to get a JCPenney card which means a credit score is high.

Did you know? There are no annual fees for this card. It is one of the reasons to choose the card majorly. The main benefit of the credit card is that gives double member reward points and also you can get special financing offers also.

The first purchase discount and birthday offers are also possible by using the card. The potential cardholder does not get to choose which card they apply for, the initial application is submitted for a basic JCPenney card.

Earning the reward points

At present, the JCPenney credit card is used for purchases at JCPenney stores easily. The JCPenney cardholder can automatically receive the rewards program. The cardholder technically earns twice the reward members. When purchasing at the stores by using the card, automatically you can earn the points for every spends. You can get maximum ranges of pints in a single transaction.

If you purchase online, then you can receive the points once the items are shipped. However, the points you can earn on dollar amount once after all coupons and discounts have been applied.

Even, if you are returning a purchase the points are also canceled. The most amazing factor is that are the reward points do not expire as long as the member’s account stays active. And the cardholder should be acquisition and receive points at least once in the year.

How the reward points are issued?

Once the cardholder reaches the 200 points, then you can get a reward certificate. There is no limit to be a member of a rewards certificate and that completely comes with individual earnings.

In-store: The reward certificate is accessible instantly after receiving it and it can be used towards the next deal anytime.

Online: if you are having a valid mail address link to your reward point’s account, you will gain the certificate through email. And you can access the certificate in your online rewards account portals.

By mail: If you are not having a valid email address with the reward account, the certificate will be sent by U.S. mail once the reward is received.

Besides, for the JCPenney cardholder, rewards are comprised of your billing statement.

For whom this credit card is best?

The JCPenney credit card is best for people who are shop the branding regularly and can gain benefit from the card easily. Effective financing offers and rewards can be useful for people who are planning to make a big purchase.

How to apply for a JCPenney credit card?

You can apply for the card online and in-person at stores. If you try to apply for the card online, you just go to the JCPenney online credit center. And you will give your details like name, phone number, address, email, social security number, DOB, and other annual income after taxes.

Including, you have to choose various options and appraisals the terms and conditions related to the credit card. If you want to apply for the card in stores, you have to submit the same details. The JCPenney card applicaton with the credit score is greater to get approved easily.

Things should know about the JCPenney credit card

Earn bonuses pints for using the card
Automatic bonuses when you earn enough points
Added perks with platinum and gold status
Special discounts and savings days for cardholders.
APR is higher.
Only use the card at JCPenney stores and related brands.

The good credit is qualified for the JCPenney credit card account. It means having a score of higher. If you do not have a good score for the credit card, you can improve the works easily. The important factor you need to know before you apply for the card. It helps you highly.

Bottom Line

The JCPenney credit card is a greater option for people who are like to shop with retailers regularly. The card gives better earnings and more flexible rewards to you. The best credit card is valuable and it will depend on your situation and favorites. Try to apply for the credit card and check the excellence by yourself.