visa card
The Sony Visa Card is the ideal type of credit card for those that have very good credit. If this is you, you will find several benefits to using this credit line. From affordable rates and the reward program, it can offer some of the choice choices for those that are interested.
The Sony Visa Card offers ideal rates. They provide for a 0% introductory rate for the first 12 months that you have the account open on purchases as well as balance transfers made in that time. When this introductory phase is over, you can take advantage of a variable APR at 13.99% on purchases and 22.74 on cash advances. A down side is the two cycles average daily balance method of calculating finance charges as this can pose to be more expensive if the individual carries a balance from month to month. There is no annual fee. You minimum credit limit will be $5000 and the maximum can be as high as $100,000 if you qualify.
The nice part of this credit card besides the rates is the rewards program. You will earn one point per one dollar spent. In addition, since it is a Sony Credit Card, you will earn three points per dollar spent on Sony products. Even better is that you will earn 8 points per dollar spent when you make purchases with the card at http://www.sony.com/mysony. When you accumulate these points you can then redeem them for Sony CD’s, DVD’s, movie tickets, electronics and other Sony related products. The points will expire in five years and you are limited to 250,000 points. With your first purchase you will receive 1500 points.
Those that make purchases of Sony will appreciate this reward program. In addition, the low interest rates and the more than generous lines of credit allow for an ideal purchasing level. The credit card is offered to you by Chase. If you love Sony and want a unique reward program for your excellent credit, this is the credit card for your needs.
The Green Dot Visa & MasterCard are prepaid debit cards. You may be unfamiliar with debit cards so let me explain the basics.
Unlike with an unsecured card where the company issues it and attaches a limit on which they then charge interest as it is used. With this you must load or deposit money and that amount then becomes your limit.
Instead of making purchases and paying for them later, along with the interest rate and associated fees, you pay for your purchases beforehand by loading cash amounts. The issuer is Columbus Bank and Trust Company.
You will, at times, need to load and reload value onto the card. The minimum amount of the initial load is $20 and the maximum amount of the initial load is $2,500.
You may never have more than $2,500 loaded onto the card at any given time. To load or reload your Green Dot card, you may have a portion of your paycheck directly deposited to your card or you may purchase a Green Dot MoneyPak universal reload from locations such as Rite Aid, CVS, Eckerd, Radio Shack, The Pantry and other participating merchants. The MoneyPak costs $4.95.
The card charges a $4.95 per month maintenance fee, $2.50 for each ATM transaction ($3.00 per international ATM transaction, $4.00 per cash advance from a teller or non-ATM transaction), up to $1.00 per call to obtain your balance using the interactive voice response system or a live operator, and $10 fee to replace a lost or stolen card. Always be sure to read the Terms and Conditions before applying.
Columbus Bank and Trust Company also offers a Premier version of this card. Be sure to research the Premier card fees before moving forward.
Fees include, but are not limited to, a one-time $19.95 membership enrollment fee and a $5.00 fee per month if you do not load $750 per month to the card. Additional charges may accrue if you use an ATM.
Likewise, if you purchase one of these cards at a store, the retailer will charge an initial activation fee and a reload fee. Be sure to check with the retailer for the costs involved with purchasing one of these cards.
Personally, I would not apply for one of these cards, though I guess it would depend on your situation and why you need the card. Again, personally, I don’t really feel that I want to pay to call someone’s answering machine.
I also don’t want to pay $5 per month merely because I don’t reload $750 per month. I believe I should be the one to decide how much a balance I want to maintain.
Additionally, there are other cards which allow more flexibility as to reload options.
By now, you have probably seen the NFL Visa credit card commercials. Players like Tom Brady, the New England Patriots linemen, and Visa.com promoting the NFL.
There are two key promotions going on right now regarding the NFL Visa card, and the NFL promotion using the visa.com logo.
The first promotion which is offered by the NFL Extra Points Platinum Plus