When was the last time that you told someone about an experience whether good or bad that you had with a company? For many it was probably not too long ago and it helped form some sort of opinion for someone else one way or the other. In the business world, while good experiences generally help build a business, bad experiences can help close one, but does this also pertain to credit card issuers. More importantly do issuers even care about customer loyalty at the moment?

In many instances where customer loyalty has swayed, several people can tell you that multiple chances were given to the company for them to keep the consumer’s business. For credit card issuers this has held true, as many consumers have tried multiple times to get changes made to their account unsuccessfully. T

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However, we have also included the ‘best of the not so good’ on credit building cards, for those who need access to credit at the beginning of the year, but who have bad debts…

0% Balance Transfer credit cards

Advice: Aim for those with the longest 0% balance transfer term and the lowest balance transfer fee, although the vast majority of cards now charge a fee between 2.8% and 3%. The interest rate on the card once the 0% period is over should be irrelevant, as you should have paid off the balance at this point or moved your remaining debt to another card.

Best buys: Virgin Money have been first-rate in this regard: it has a 16-month balance transfer offer with a fee of 2.98%. Santander are not far behind on 15 months, 3% fee, while Halifax, Nationwide and MBNA have 0% balance transfer offers over 13 months, also with a 3% fee.

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With a mileage credit card, it is possible to travel across all you want. Frequent flyers would definitely love the perks that this account can give. Whether traveling for business or leisure, this credit card lets you earn points for every trip made. These points can then be used to claim free trips, merchandise, or even cash.

If you are a diligent payer and a travel lover, the points garnered can get you free trips to destinations such as the Caribbean territories or the US city that you have been longing to visit. Applying for a mileage credit card can even let you take your entire family on a vacation without paying airfare. All you have to do is accumulate a certain number of points that can make this happen.

Now that you are interested in getting one, you must first know the credit card company that can support your traveling needs.

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Want a good incentive for using a prepaid credit card?

How about cash back every time you use the card? How about a $25 bonus every time you refer a friend to First Vineyard? How about an extra 1% back on every dollar you spend online through the First Vineyard MarketPlace™? How about cash back on the dollars your friends – and their friends – spend on their everyday needs?

First Vineyard’s compensation package could have you earning up to $800 per month in cash back fees – from your own spending, and from the people you refer, and the people they refer. The more people you refer, and the more they refer, the more you earn.

It’s like MLM marketing, but without asking your friends to buy or sell your products.

The First Vineyard Prepaid MasterCard® is available to any U.S. resident ove Read full article…

Every once in a while there is always one company that comes along that is said to have grown too big, too quickly. While this is generally not the case when it comes to financial institutions, it is definitely the case with it comes to banking giant, Bank of America. Now according to an article in the Wall Street Journal entitled, “New Chief at Bank of America Seeks Credit-Card Fix”, it looks like there are major changes ahead of the nation’s largest banking institution in order to get back on track.

From this article, it looks as the man in charge looks to reposition his company’s credit card portfolio as one of quality over quantity. Whi

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