Citi Hilton HHonors Visa Signature Credit Card: 50,000 Points w/ $1000+ Spent + $50 Statement Credit

visacardCiti is offering Hilton HHonors Visa Signature Credit Card where you earn 50,000 Points after spending $1000+ within first 4 month + $50 statement credit after spending $50 on your first stay at any hotel and resort within the Hilton HHonors Portfolio during the first 6 months of card membership.

Limited Time Offer: Earn a $50 statement credit after spending $50 on your first stay at any hotel and resort within the Hilton HHonors Portfolio during the first 6 months of cardmembership as well as 50,000 Hilton HHonors Bonus Points after $1,000 in purchases within the first 4 months of cardmembership.*

  • Earn 6 HHonors Bonus Points for each $1 spent at a participating hotel within the Hilton HHonors portfolio*
  • Earn 3 HHonors Bonus Points for each $1 spent on purchases at supermarkets, drugstores and gas stations*
  • Earn 2 HHonors Bonus Points for each $1 spent on all other purchases.*
  • No annual fee

Discover IT Credit Card: Spend $750 in First 3 Months and Earn $150 Cash Back

it-card-artDiscover Card offers $150 Cash Back with their Discover IT Credit Card when you Spend $750 in First 3 Months of account opening. Only valid for new applicants that use this offer link.

Another Discover First
Your FICO® Credit Score is one of the most frequently used pieces of information that lenders review when they’re making a credit decision about you. So we think you should know it too. Seeing your score for free each month will help you stay on top of your credit and avoid surprises.

Low Intro Rate
10.99% Intro APR for 6 months for balance transfers
Then 10.99% – 22.99% Standard Variable Purchase APR applies
3% fee for each balance transferred

Real Cash Rewards
$150 cash back when you make $750 in purchases during your 1st three months from account opening. Only valid for new applicants that use this offer link.
5% cash back in categories that change throughout the year, up to the quarterly maximum. Signing up each time is free and easy. 5% Cashback Calendar
1% Unlimited cash back on all other credit card purchases

Discover IT Credit Card: Spend $750 in First 3 Months and Earn $150 Cash Back

it-card-artDiscover Card offers $150 Cash Back with their Discover IT Credit Card when you Spend $750 in First 3 Months of account opening. The deal is for new customers only. And the company also offers Free FICO Credit Score on your monthly statement.

Low Intro Rate

  • 10.99% Intro APR for 6 months for balance transfers
  • Then 10.99% – 22.99% Standard Variable Purchase APR applies
  • 3% fee for each balance transferred

Real Cash Rewards

  • $150 cash back when you make $750 in purchases during your 1st three months from account opening. Only valid for new applicants that use this offer link.
  • 5% cash back in categories that change throughout the year, up to the quarterly maximum. Signing up each time is free and easy. 5% Cashback Calendar
  • 1% Unlimited cash back on all other purchases

Discover IT Credit Card: Spend $750 in First 3 Months and Earn $150 Cash Back

it-card-artDiscover Card offers $150 Cash Back with their Discover IT Credit Card when you Spend $750 in First 3 Months of account opening. Only valid for new applicants that use this offer link.

Low Intro Rate

  • 10.99% Intro APR for 6 months for balance transfers
  • Then 10.99% – 22.99% Standard Variable Purchase APR applies
  • 3% fee for each balance transferred

Real Cash Rewards

  • $150 cash back when you make $750 in purchases during your 1st three months from account opening. Only valid for new applicants that use this offer link.
  • 5% cash back in categories that change throughout the year, up to the quarterly maximum. Signing up each time is free and easy.
  • 1% Unlimited cash back on all other purchases

Slate® by Chase Introductory Offer: 0% APR on Balance Transfers and Purchases for 15 Months and No Balance Transfer Fee for 60 days

sChase Slate Visa Card has an Introductory Offer of 0% APR on Balance Transfers and Purchases for 15 Months and No Balance Transfer Fee for 60 days.

Benefits:

  • $0 balance transfer fee – introductory offer!
  • 0% Introductory APR for 15 months on purchases and balance transfers
  • $0 Annual Fee

Credit Karma Credit Monitoring for free

ckCredit Karma offers its credit monitoring service for free. That’s tied with our mention from a week ago as the best deal we’ve seen from Credit Karma, which also provides credit score tracking, financial tools and calculators, comparisons, and more.

A credit score is one of the most important components of a consumer’s financial profile. At Credit Karma™, we believe free access to one’s credit score and report is a fundamental consumer right. That is why our site allows consumers to access their credit score anytime they want for free without the sneaky “free” trials or subscription requirements. In addition to free credit scores, Credit Karma™ has a wealth of tools and content to help consumers better understand how credit scores and credit reports work.

Credit Karma™ is a completely free pro-consumer service dedicated to demystifying the credit landscape. With our credit simulators, free credit scores, credit advice, and credit score comparisons, our goal is to empower consumers to more actively manage their credit and their financial health.

Disney’s Premier Visa(r) Card from Chase: $100 credit w/ first use

cdSign up for a Disney Premier Visa® Card from Chase and receive a $100 statement credit after your first use of the card. (“Use” includes purchases, balance transfers, or checks used to access your account.) That’s tied with our May mention as the first such statement credit offer we’ve ever seen from Chase that didn’t require a minimum spending amount. Other card features include earning 2% in reward dollars on gas stations, grocery stores, restaurants, and at most Disney locations, 1% in reward dollars on all other purchases, 0% intro APR for 6 months when you book select Disney vacations, and savings at Disney Store (retail and online) as well as at Disney Theme Parks. An annual fee of $49 applies.

Citi Simplicity Credit Card: 0% introductory APR for 18 months

citiSign up for the Citi Simplicity® Credit Card and receive 0% introductory APR on purchases and balance transfers the first 18 months of cardmembership. (After that, the APR is variable, currently at 12.99% to 21.99%.) That’s the longest introductory APR period we’ve seen for any credit card. Plus, there’s no late fees and no penalty rate.

Features:

  • 0% Intro APR for 18 months on purchases and balance transfers
  • Then, a variable APR of 12.99% – 21.99% based on your creditworthiness for everything from purchases to cash advances
  • No annual fee
  • Peace of Mind with no late fees and no penalty rate
  • Direct Access: Help is always at your fingertips with direct access to a representative

Citi Simplicity Card Review

Citibank is no stranger to launching quality credit cards with excellent introductory rates, and it would appear they’ve done it again. The Citi Simplicity® Card, which you may have seen advertised on television, is now offering consumers the longest 0% intro rate available today–18 months* months on both purchases and balance transfers. And even though this card doesn’t carry a rewards program, it has a few other cool benefits as well.

Cardholders of the Citi Simplicity Card will receive a 0% intro APR on purchases and balance transfers for 18 months* months. After the introductory period has expired, the interest rate will become 12.99% – 21.99% variable. That rate is about average when compared to other cards but the intro period is outstanding. The balance transfer fee is a standard 3% with a $5 minimum.

Another area where the Citi Simplicity® Card outperforms the competition is with it’s perks. All cardholders are privy to the following:

  • No late payment fees
  • No over-limit fees
  • Live customer service 24 hours a day, seven days a week

Most credit cards include a $35 or so fee for making late payments or going over your balance but not the Citi Simplicity Card. This does not mean however, that you can make late payments frequently … simply that Citi can forgive a time or two. Also important to note is that anytime you need assistance, you can call Citi using the number on the back of your card, punch in your account number and be connected to a live agent immediately. No wasting time with automation.

Sometimes a name says it all, and the Citi Simplicity Card does exactly what you would expect. This card is perfect for responsible credit card users looking to make interest free purchases (as well as take advantage of a balance transfer) for 18 months* months. If you’d like to take advantage of this limited time offer, visit the secure application page of the Citi Simplicity® Card using any link found in this post.

Marriott Rewards Credit Card from Chase: 50,000 bonus points + free night

mrSign up for the Marriott Rewards® Premier Credit Card from Chase and earn 50,000 bonus points when you spend $1,000 or more in the first three months. Plus, receive a free night stay upon account approval, and another free night stay on your account anniversary. Together, that’s enough for up to eight nights for free and, although this card lacked the $1,000 minimum purchase requirement two weeks ago, it’s still a very strong offer if you’re looking for hotel bonuses. (50,000 reward points are enough for six nights at a category 1 hotel; the free night credit for account approval is valid for stays at category 1 to 4 hotels, while the account anniversary credit is valid on category 1 to 5 hotels.) Plus, earn 5 points for every $1 spent at Marriott locations, 2 points for every $1 spent on eligible dining, airline, and rental car purchases, and 1 point for every $1 spent on all other purchases. Other card features include earning 15 nights credit toward your next Elite membership level every year, an additional Elite Night Credit for every $3,000 spent per year, and no foreign transaction fees. There’s no annual fee for the first year, but an $85 annual fee applies for each additional year.

What Does My Credit Score Mean?

by: William Hauselberg

Are you thinking about applying for a loan, or wondering why your interest rate is what it is? Chances are good that your credit score is going to play a big role in both. What is your credit score? Your credit score is your ability to pay your debts and how big of a risk to a lender you would be. The higher the score, the higher your chances of getting a good loan with a lower interest rate.

How is my Credit Score Calculated?

There are many factors that go into this. Roughly a third of your score is determined by your credit history and whether you pay your bills on time. Other factors that go into your credit score are how many lines of credit your have and how much of your credit you have used up. The more cards you have the better and the less credit your have used up the better.

What are Some Ways I can Check my Credit Score?

The first step to checking your credit score is to get your credit report. How do I get my credit report? You can go to one of the three credit bureaus and request a credit score. You can also go to your bank or credit union and request a copy. Each borrower gets one free copy of their credit report a year.

One thing that can affect your score is the accuracy of your credit report. There could be mistakes on my credit report that could affect my credit score, you might be asking? Yes, not all creditors report accurately on your credit report, so make sure that it is accurate by requesting a copy at least a year to check for errors that can be holding your score down.

How Else can you Improve Your Credit Score?

Pay your bills on time and make sure that you don’t get in over your head with debt. Repossessions and bankruptcies can damage your score and make it less likely to get a loan in the future.

Your credit score is going to be the way that a lender determines whether or not to give you a loan. If you have a high score you are going to have a better shot at getting a loan for a car or a house. Make sure you are keeping up with your credit report and paying your bills on time.

Article Source:

http://www.articlecity.com/articles/business_and_finance/article_16035.shtml

Is Mortgage Refinancing Right for You? by Jess Hall

These days, it’s hard not to be enticed by the historically low mortgage refinancing rates. Now could be the perfect time to refinance, but is refinancing your loan right for you? Here are a few points to take into consideration if you’re thinking about refinancing your home loan.

The Benefits of Refinancing

Beyond potentially saving you thousands of dollars, refinancing your mortgage can also help you consolidate debt and pay off other bills. Your life has probably changed from the time you first got your home loan. Perhaps you got a better paying job or you have a new baby on the way. You may have new expenses that never existed before, or you may be making more money than when you started. In many cases, refinancing your home loan could save you hundreds, or even thousands of dollars – money which could be well spent in other areas of your life. Ideally, your mortgage should not be costing you above one third of your total gross income. If you’re dealing with a high interest rate, you’ve been hit with an adjustable rate that has skyrocketed, or you’ve experienced a drop in income for whatever reason – it’s a good idea to consider refinancing and locking in a better rate.

Working with a Trusted Lender

Working with a trusted lender is one of the best decisions you can make when you decide to refinance. Trusted lenders, like Aurora Bank (Equal Housing Lender, member FDIC) for example, understand a multitude of product options and can explain those options to you as well as the costs that are involved in the refinancing process.

Know Your Options

There’s no shortage of lending companies vying for your business. But it pays to do your own research as well.Take advantage of online mortgage calculators and run different scenarios based on your income, property tax, and extra payments you can afford to make.See exactly how much home you can afford and create a spectrum of possibilities for refinancing. Then, speak with a home loan consultant who can help you with your financing needs.You may be pleasantly surprised at just how much money you’ll save by refinancing at today’s low rates. Overall, honest, exceptional service and a dedication to customer satisfaction are what make the best mortgage refinancing lenders stand out.

Article Source:

http://www.articlecity.com/articles/business_and_finance/article_16057.shtml

Citi(r) Dividend Cards: 5% cash back at Macy’s, electronics stores, & toy stores

dFrom October 1 through December 31, Citi Dividend Cardholders can get 5% cash back on purchases at Macy’s, electronics stores, and toy stores by activating the offer at Citi.com. (You’ll earn 4% cash back in addition to your 1% standard cash back.) With the holiday season fast approaching, it’s a very useful lineup of qualifying stores. A maximum bonus reward accumulation of $300 cash back per calendar year applies.

Don’t have a Citi Dividend card? Sign up for a Citi® Dividend Platinum Select® Card and receive $100 cash back when you spend $500 or more in the first three months.

Chase Sapphire(r) Preferred Card: 40,000 bonus points toward free flights/hotels

csSign up for the Chase Sapphire® Preferred Credit Card and earn 40,000 bonus points after you spend $3,000 or more in the first three months of cardmembership. That’s equal to $500 toward airfare or hotel accommodations and the best offer we’ve seen from Chase since December when it offered 50,000 bonus points. (The number of points required to redeem for free flights or hotel stays is dependent on fare or room availability, destination, date, and more.) Plus, pay no foreign transaction fees on purchases made outside the United States and earn 7% annual points dividend on all points earned in the previous year. Also, earn 2 points for every $1 spent on travel and dining and 1 point for every $1 spent on all other purchases. There’s no annual fee for the first year, but a $95 annual fee applies for each additional year.

Citi(R) Hilton HHonorsTM Reserve Card: 2 nights w/$2,500 spent in 4 months

chSign up for the Citi® Hilton HHonors™ Reserve Card and earn two weekend night certificates good for stays at select Hilton Worldwide properties after you spend $2,500 or more in the first four months of account opening. (Valid on standard accommodation at category 1-7 hotels and select Waldorf Astoria Hotels & Resorts. Click here for more information.) Plus, earn 10 HHonors Bonus Points for every $1 spent on hotel stays within the Hilton Worldwide portfolio, earn five HHonors Bonus Points for every $1 spent on airline and car rental purchases, and earn three HHonors Bonus Points for every $1 spent on all other purchases. Also, earn an anniversary bonus of one weekend night stay at select Hilton Worldwide properties when you spend $10,000 or more on eligible purchases in each cardmembership year. Finally, receive complimentary HHonors Gold status as long as you’re a cardmember. (HHonors Diamond status is achieved when spending $40,000 or more in a calendar year.) A $95 annual fee applies.

EARN TWO WEEKEND NIGHT certificates, each good for one weekend night (standard room, double occupancy) at select hotels and resorts within the Hilton Worldwide portfolio, after $2,500 in eligible purchases within the first four months of cardmembership.

NO FOREIGN PURCHASE TRANSACTION FEES.

TRAVEL WITH EASE and enjoy global acceptance with your
Citi chip credit card.

EARN AN ANNIVERSARY BONUS OF ONE WEEKEND NIGHT certificate good for one weekend night (standard room, double occupancy), at select hotels and resorts within the Hilton Worldwide portfolio when you spend $10,000 or more on eligible purchases each cardmembership year.

ENJOY COMPLIMENTARY HHONORS GOLD STATUS as long as you are a cardmember. Earn an upgrade to HHonors Diamond status when you make $40,000 or more in eligible purchases each calendar year.

Annual fee $95.

ING Direct: Open an Electric Orange Checking Account, get $50 credit


ingAt ING Direct
, open a new FDIC-insured Electric Orange Checking Account and make three purchases or Person2Person payments within 45 days to get a $50 Account Credit for free. The credit will be deposited into your account on day 50. That’s tied with our mention from last week and among the best deals we’ve seen from ING Direct in recent months.

Electric Orange Checking Rates

Account
Balance
Interest
Rate
APY Effective
Date
$0 – $49,999.99 0.19% 0.20% 10/10/2012
$50,000.00 – $99,999.99 0.79% 0.80% 10/10/2012
$100,000.00 or more 0.84% 0.85% 10/10/2012

Annual Percentage Yields are variable.

Citi(r) Diamond Preferred(r) Rewards Card: $50 gift card w/ $300 purchase

cdCiti® Diamond Preferred® Rewards Card offers a $50 gift card when you spend $300 or more in the first three months. (Spending $300 in the first three months will earn you 6,000 bonus points which you can redeem for the gift card.) Other card features include earning ThankYou Points on all purchases, a 0% APR on purchases or balance transfers for the first 15 or 7 months of card membership, and no annual fee. For more terms and conditions,

ChecksUnlimited.com: 400 personal checks for $11, more

cuChecksUnlimited.com continues to offer several discounts on checks for home and business via the coupon codes listed below. Over 110 great check designs. 100% satisfaction guaranteed.

The codes:

  • 2 boxes of checks for $11 or 4 boxes for $22 via code “R5YV” (new customers only)
  • buy 3 boxes and receive a 4th box + custom lettering for free via code “9B5X”
  • 20% off business checks via code “YXYC”
  • 30% off accessories via code “Z384″