Convenient Online Banking

I am a big fan of online banking. It has made my life so much easier, with the ease of monitoring my money transfers and online transactions all on my desktop. Linking up with Paypal is a feature which online banking easily provides, to move my funds on way or another. I have chosen the e-billing option whenever possible as well to reduce the usage of paper and also as a step to digitalise all my banking, billing and finance statements. As I step into a career, life after college, managing the finance is going to be an important part of earning and spending, and saving. I am starting to think about when I can start to apply for a business credit card. I am not giving up my habits of collecting reward points and travel miles and I will still continue to be a smart spender.

Credit Cards Australia Comparison

This is just right for my sister. A credit cards comparison site based in Australia. I would love to help her and give her some recommendations about which credit cards would fit her best. At the same time, she can go search and Compare Credit Cards with all the different choices available presented at a single site with a nice, organized layout. Cards can be browsed by type, features, banks and issuers. Right now, since it's going to be her first credit card, I'd probably recommend cards with some reward programs and no annual fees. I believe she is smart enough to pay her bills on time to avoid the charges which are really going to burn a hole in the wallet if there is no strong sense of financial responsibility. This site is a very good resource for her because of the details of the cards available and it is very easy to use. This should be the place to visit if you are looking for a credit card in Australia.

Credit Cards from MINT

What on earth is the Mint Credit Card? have you ever heard of it? The Mint credit card was first introduced back in 2003. The card comes in two versions, a standard credit card (the regular one that you and I have in our wallets of purses right now) and the MC2 card which looks like this:

It's special because of the curved shape at one corner, the bottom right-hand corner to be precise is removed.

As the company expanded and grew over time, MINT launched the Mint Gift Card in September 2006. It's a gift card like any gift card, but with a plus in that it takes for of a pre-paid credit card. This ensures that it can be used anywhere where VISA Electron is accepted, which is virtually everywhere. They offer some really nice interest free credit cards which looks appealing to me. The current offer is:
0% on balance transfers (2.5% fee) until 1 December 2008
0% on purchases until 1 May 2008 and
0% bonus offer until 1 August 2009 on balance transfers debited to your account during February 2009 (2.5% fee)

It has the ever important 24 hour MINT Customer Service and the crucial online account management so you can access your account anytime with an internet connection. Further information about the company and these products can be found on the site. This is brought to you by MINT.

Credit card ratings and comparison site

For newbies, credit card selections don't seem too hard. However, for seasoned campaigners, things are dramatically different. Newbies do not have a credit history established and therefore would gladly accept any card which would approve them. On the other hand, seasoned campaigners would want credit cards which provide them with the best rewards and privileges. There are many factors to be taken into consideration when you apply for a credit card. Zero annual fees,low APR's, Extended Warranty and Travel Insurance are a few examples of the most common merits which credit cards offer. With so many different credit cards to choose from, how do you find the card which suits you best? For my case, I am a college student who would love to get cash back and rewards for my spendings, and I am not willing to pay any annual fee because I think it is unnecessary (totally). And I do not care about the APR because I will always pay my bills on time (smart money management, even at college level). So I go to Your Credit Network and select Student Credit Card link and see the list of credit cards on there with the ratings right next to each card. I saw a few credit cards issued by Citibank which suit my needs and are the highest rated ones in that category (3.5/5.0). These online credit cards can all be applied by simply filling up the application form on your computer and have the form submitted online. Sometimes, you can even get instant approvals on the spot, pending credit check verification.

This type of website really makes the selection process a lot easier and quicker as you can have all the information you need to do the comparisons and that is why I love to use them. It's simple, it's easy, it's quick.

A Useful Credit Card Search Engine

Christmas is round the corner again, well it's a month plus away but retailers have already started the shopping buzz. Well, this weekend will be the launching of Sony Playstation 3 and Nintendo Wii (pronounced we, as in me and you). Well, kids, you always wish for a new fresh off the launch game console as your Christmas gift, dont ya? In America, what's shopping without Credit Cards ? For those who are looking for a credit card (or even maybe a few cards), it is always handy to have a website which lists down multiple credit cards and their benefits so that we can compare and contrast them easily.

Credit Cards (creditcardsearchengine.com) does just that. It lists down the categories of credit cards that a visitor has in mind. They even have categories for bad, average or fair credit.

Categories include: Low Interest, Cash Back, Rewards, Airline miles, student, business, and credit cards for bad credit.

Head over and have a peek and choose one card that suits you best. Be sure to understand the pros and cons of each card and weigh them accordingly to your needs. Make a smart choice, have a smart life.

Below is a screenshot of the website: