Free Credit Card Advice

The WorldPerks Visa Card offers you a fast and easy way to earn additional WorldPerks miles without leaving the ground. Use your WorldPerks Visa Credit Card to charge everyday purchases as well as large purchases like home furnishings and travel, and earn WorldPerks miles for the dollars you spend. Now that Northwest Airlines® is a member of the SkyTeam® Global Alliance, you’ll have even more redemption opportunities! Combine the miles you earn with your Northwest Airlines flight miles and other partner miles to earn award travel faster on Northwest Airlines, KLM Royal Dutch Airlines, Continental Airlines, Delta Air Lines, Alaska Airlines and other qualified WorldPerks Airline Partners.

Visa is accepted at millions of locations worldwide, so you can use it almost anywhere you can pay cash or write a check.

Now take advantage of this special limited-time offer: apply for the WorldPerks Visa Signature Credit Card today and earn up to 10,000 Bonus Miles! Don’t delay - it’s your opportunity to earn even more WorldPerks miles!

No Credit Check Required

New Millenium Bank verifies only your age, social security number and residence. They verify this information through a third party source. They do not consider your credit history in connection with your application.

Double Your Money Back Guarantee

You will be approved if you meet the Guaranteed Approval Requirements below. In addition, to show their confidence in this offer, they will pay you double the processing fee back per the Double Money Back Conditions below in the unlikely event of your not being approved for this offer.

Build Your Credit

Build your relationship with your New Millennium Bank secured Platinum credit card account. You’ll enjoy these valuable benefits when you make your payments on time: a solid credit history on your account and the ability to request credit line increases at any time with additional deposit.

Credit Limit

Your credit cards will have a credit limit of $300.00 to $5,000.00.
You determine your credit limit by the amount you deposit in your collateral savings account with New Millennium Bank. Your credit limit will be equal to the balance in your collateral savings account. Minimum deposit is $300, maximum deposit is $5,000.00 per card. You will be sent your confirmation and savings account materials after they receive your acceptance form and processing fee.

Guaranteed Approval Requirements

Your credit history will NOT be checked. Your approval will be based on verifying the information you supply to New Millenium Bank regarding your age (at least 18, 19 in NE), social security number and residence. Your approval is also based on your agreement to open an FDIC insured savings account (minimum $300 — maximum $5,000 per card) with New Millennium Bank, Member FDIC. This is your money, but you pledge it to secure repayment of all credit extended through this program. If you do not open an account meeting these requirements within 60 days, this offer of credit may be withdrawn.

New Millennium Bank has helped thousands of people get their Visa® and/or MasterCard® through our unique, national secured credit card program. New Millennium Bank is known for excellence such as:

• An established track record of trust and safety.
• Rated 4 stars (Excellent) by Bauer Financial Services.
• Passes stringent annual reviews by federal and state regulatory groups responsible for the safety and soundness of the national banking system.
• Deposited funds are insured up to $100,000 by the Federal Deposit Insurance Corporation (FDIC).

Fees and Disclosures

• Annual Percentage Rate 19.5% APR
• Balance Computation Method Average Daily Balance (including new purchases)
• Annual Fee $59 / yr.
• Grace Period for Purchases :: None
• Minimum Finance Charge $0.50

Other fees that apply: Processing fee: $99.95 for one card or $129.95 for both. Late payment and over limit fees are as follows; late: $20 ; over limit: $20. Cash advance fee is 2% of advance (min. $1, max. $20). The processing fee is a finance charge for Truth in Lending purposes. All terms are subject to change as provided in the cardholder agreement.

What are you waiting for? Apply for the New Millenium Bank Platinum Visa (or MasterCard) right now!

Continental Finance offers a “Gold Card” that has a credit limit of $300.00 with an initial available credit of $75.00 and a “Classic Card” that has a credit limit of $300.00 with an initial available credit of $53.00. The account for which you qualify, if any, depends on whether you meet the credit eligibility requirements that Continental Finance has established for each type of account. You will first be considered for the Continental Finance Gold MasterCard. If you do not qualify for the Gold Card, then Continental Finance will consider you for the Continental Finance Classic MasterCard.

• As Low As 9.75% APR
• Get Your Application Results in Seconds
• Monthly Reporting to the Major Credit Bureaus
• FREE Online Access
• Excellent Online Tools for Managing Your Finances
• Semi-Annual Credit Limit Increases
• Unsecured MasterCard Accepted at Millions of Locations Worldwide

Remember that this card, the Continental Finance Gold MasterCard is specifically a card for people with bad credit. As such you might be surprised by the setup fees, but they are as much for Continental Finance’s protection as your own. If you are serious about rebuilding your credit then you will understand and work hard to maintain a good credit history.

Fees associated with the Continental Finance Gold MasterCard:

• Account Set-Up Fee: $99.00 (one-time fee)
• Program Participation Fee: $89.00 (one-time fee)
• Annual Fee: $27.00
• Account Maintenance Fee: $120.00** (annualized)

The usual transaction fees apply that you will find on most credit cards:

• Transaction Fee for Foreign Currency Transactions: 2% of any transaction made in a foreign currency that is converted to U.S. Dollars by Visa or MasterCard
• Transaction Fee for Cash Advances: 3% of the amount of the Cash Advance, but not less than $5.00

So if you are serious about rebuilding your credit, then this might just be the card for you. Apply now for the Continental Finance Gold MasterCard!

By Gordon Smith
FT.com

Moneysupermarket on Wednesday priced this month’s planned share offering at between 170p and 210p, raising £388m at the mid-point of that range and valuing the entire share capital of the price comparison website at just under £1bn.

The company plans to sell about 40 per cent of its shares to pay off debt and release capital for its senior management team, which includes Simon Nixon, a co-founder of the website, which was founded in 1999.

Bookbuilding for the floatation, which is set to be one of the largest retail offerings since the collapse of the dotcom boom in 2000, will start later on Wednesday.

Mr Nixon, chief executive, stands to make about £115m from the sale of 60.3m shares at the middle of the price range, which values the amount being raised at between £346.8m and £428.4m.

Moneysupermarket is one of the most popular websites that allows users to compared the prices of various financial products including mortgages, loans, car insurance and utility services. Last year it drew 64m visitors to the site and is planning to expand into Spain, France and Germany.

But it faces growing competition from rivals including Confused.com, moneyexpert.com and moneyfacts.co.uk. It also faces the launch of several new sites which are planned for later in the year. Gocompare.com is being set up by former employees of confused.com and Tesco plans to launch tescocompare.com before the end of the year.

The listing also comes at a time of challenging market conditions with concerns about rising interest rates and fragile consumer sentiment growing.

Why get a prepaid credit card from Wired Plastic? Here’s why:

1. Wired Plastic provides free wireless alerts and an incredible rewards program.
   Stay informed with Wired Plastic’s alerts. Wired Plastic offers text message or email alerts for FREE. We also offer a rewards program that earns points every time you use your Wired Plastic credit card. These points can be used to pay your wireless phone bill or purchase wireless products.
2. Wired Plastic is accepted anywhere Visa cards are accepted.
   The Wired Plastic credit card is accepted at Visa locations worldwide. Whether you enjoy staying close to home or traveling abroad you can use your Wired Plastic card to make all your purchases.
3. Wired Plastic instead of a checking account.
   To enroll for a Wired Plastic credit card you don’t need a checking account. This card is the same as a traditional debit card, except with Wired Plastic you won’t get charged bounced check, overdraft or NSF fees.
4. Wired Plastic allows you to pay any bill online or over the phone.
   You can use the Wired Plastic credit card to help pay your bills. Paying bills can be a hassle, but let Wired Plastic help make it easier. You can utilize the Wired Plastic Bill Payment option to pay your bills to over 3,000 billers.
5. Wired Plastic provides FREE direct deposit.
   Have pay, dividends, disability and government checks (i.e. Social Security, Medicare, Welfare, etc.) sent directly to your Wired Plastic account for FREE. Your funds are available the same business day they are received.
6. Wired Plastic keeps me out of debt.
   To spend money you must load it on your card. To load, you can add cash, direct deposit, or transfer money from a bank. When you use the card, the amount of your purchase is deducted from the loaded balance. You can’t spend money you don’t have so Wired Plastic helps keep you out of debt.
7. Wired Plastic offers nearly 100,000 convenient loading locations, including PayXone, MoneyGram and Western Union.
   We have worked to provide all our Wired Plastic cardholders the most convenient and accessible locations to add cash to your card. Visit the Wired Plastic store locator at www.WiredPlastic.com/StoreLocator to locate the retailer or agent nearest you.
8. Wired Plastic provides live customer service agents to answer any question.
   To better assist the Wired Plastic customers, we provide a live customer service line that connects you to a real person that can answer any question you have.
9. Wired Plastic is the most affordable prepaid card on the market.
   Wired Plastic has a one-time payment of $9.95 and a low monthly payment of $3.95. This is significantly lower than other prepaid cards that will charge $14.95-$19.95 upfront and up to $9.95 every month.
10. Wired Plastic lets me shop online.
    You aren’t limited anymore on what you can buy because the Wired Plastic card allows you to shop online.

What are you waiting for? Apply for the Wired Plastic Prepaid Visa Credit Card now and start living your life!

What is all the hype about the American Express Blue Credit Card? Well let’s see:

• 0.00% Introductory APR for up to 15 months.
• 4.99% Fixed APR on Balance Transfers for the life of the balance
• No Annual Fee
• Flexibility to pay over time
• Fee-Free Rewards Program

Blue from American Express® is a credit card that adapts to your needs. It’s designed to give you more flexibility and independence. You can pay for your purchases in full or pay over time. Blue has no annual fee, a competitive 0.00% APR for up to the first 15 months and a grace period up to 20 days. Additional Cards are fee-free, so you can share virtually all the benefits and services with your friends or family members. Define financial control on your own terms with Blue from American Express®.

Transfer balances from your higher-rate MasterCard®, Discover®, and Visa® cards to your American Express® Card account with no transaction fee! Then enjoy the low APR: Fixed rate of 4.99% for life of balance (until the balance is completely paid off), on Balance Transfer requests submitted with this application.

Use the American Express® Card online or off, and you won’t be held responsible for any unauthorized charges. Period. No fine print, no deductible – just pure protection, so you can shop with confidence.

Shopping

Dedicated Customer Service
American Express is here to help you around the clock, with the kind of Customer Service that keeps Cardmembers loyal for a lifetime. For immediate service, call the phone number on the back of your Card.

Return Protection
If you try to return a designated item within 90 days from the date of purchase and the merchant won’t take it back, American Express will refund the full purchase price, up to $300 per item, excluding shipping and handling and up to a maximum of $1,000 annually per Card account.

Buyer’s Assurance Plan
With the Buyer’s Assurance Plan, you can shop worry-free knowing that the terms of the original manufacturer’s warranty will be matched up to one additional year, on warranties of five years or less that are eligible in the U.S.

Purchase Protection Plan
Shop with confidence and the Purchase Protection Plan, which protects eligible purchases made with the Card against accidental damage and theft for up to 90 days from the date of purchase.

So what are you waiting for - what an amazing card Blue from American Express is - apply now!

Now is the time that your good credit management skills can pay off. The Discover Motiva Credit Card has several benefits that you will want to take advantage of:

• Pay-On-Time Bonus - equal to a full month’s interest each time you make 6 on-time payments in a row - twice a year, every year when you pay on time each month
• 5% to 20% Cashback Bonus - at top online retailers through our exclusive online shopping site
• Up to 1% Cashback Bonus - on all other purchases
• Unlimited Cash Rewards

For the nitty-gritty figures here’s a quick breakdown of what you can expect:

• APR 3.9% until the last day of the billing period ending during June 2008; then the standard APR, a rate between 10.99% and 17.99%
• Balance Transfers: 3.9% until the last day of the billing period ending during August 2010;** then the standard APR for purchases
• Default Rate: Up to 28.99%
• Cash Advances: 20.99%

NO Annual Fee!

So what are you waiting for - this is a great card with some very competitive APR rates, and some excellent benefits - apply for the Discover Motiva Credit Card now!

The BP Visa Rewards Credit Card has to be a good offer all around, especially if you are looking for a rewards credit card that really gives you something for you spending your money..

Introductory rebates include the following, and it should be noted that your earning percentages are doubled during the first two billing cycles after your account is opened:

• 10% rebates on all BP location purchases
• 4% rebates on all eligible travel and dining purchases
• 2% rebates on all other eligible purchases

Other rebates that might interest you for spending:

• 5% rebates on all BP location purchases
• 2% rebates on all eligible travel and dining purchases
• 1% rebates on all other eligible purchases

You will earn a 5% rebate on every $1.00 of net purchases made at participating BP locations. You will earn a 2% rebate on every $1.00 of net purchases made at retail establishments that classify their merchant location for Visa/MasterCard as Dining (excluding retail establishments classified as Fast Food Restaurants), Airline, Auto Rental, or Lodging and a 1% rebate on all other net purchases (excluding purchases made at merchants where non-BP or non-Amoco fuel is sold.

Every time you accumulate at least $25 in rebates, you decide how and when to redeem your reward. Redeem for your choice of:

• A BP Gift Card
• A check made payable to you
• A donation to The Conservation Fund, an environmental charity

Other interesting features and benefits:

• 0% APR for up to 6 months
• No annual fee - who wants to pay one anyway?!
• Online Account Management - manage your account online
• Zero Liability against unauthorized purchases - BP protects you - this applies to US-issued cards only

So what are you waiting for? Apply for your BP Visa Rewards Credit Card now!

Barclaycard has announced plans to launch a credit card that donates 50% of its profits to environmental projects dedicated to reducing carbon emissions around the world. Barclaycard Breathe will donate a minimum of £1 million to environmental projects in its first year followed by 50% of profits from the card in subsequent years.

Projects could include the development of solar power, wind power and new energy reduction initiatives in the UK and overseas.

Barclaycard’s chief executive, Antony Jenkins, said:

“Barclaycard Breathe makes it easy for people to do their bit in the fight against climate change by offering incentives to make being green easier, and supporting projects around the world that help reduce carbon emissions.”

Card users wanting to ease their environmental conscience will be able to apply for the green Barclaycard Breathe credit card when is is launched this summer.

Barclaycard Breathe will only issue online statements, and advertising for the credit card will only be done online.

When new cards are issued the old ones will go into a recycling scheme. The cards themselves will be made out of PETG, a more environmentally friendly alternative to current PVC cards.

In addition, Barclaycard Breathe cardholders will receive discounts and lower-rate borrowing when they buy certain green energy saving products or services, such as public transport tickets.

The dollar fell to a 26-year low against the British pound Monday ahead of an expected rate hike by the Bank of England later this week.

The pound rose to $2.0173 — its highest level versus the dollar since June 1981 — in New York trading before retreating to $2.0165. The dollar also dropped to within a cent of its all-time low versus the euro, as rising global interest rates made the currency less attractive to investors.

The 13-nation euro rose to $1.3637, just shy of its April 27 all-time high of $1.3682, before dipping back to $1.3623.

The Bank of England and European Central Bank meet separately Thursday to discuss interest rates. The BOE is expected to raise its key rate a quarter-point from 5.5 percent, while the ECB is expected tighten monetary policy later this year.

The U.S. Federal Reserve, meanwhile, has left its key rate unchanged at 5.25 percent for the past year.

Higher interest rates, a weapon against inflation, can bolster a currency by giving better returns on fixed-income investments.

The dollar has been especially weak for so many months, it’s difficult to put a finger on a single catalyst for Monday’s losses, said David Solin, a partner at Foreign Exchange Analytics in Essex, Conn.

Source: MSNBC.