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Friday, 13 July 2012

Goodyear Credit Card

Easily one of the most well known and reputed automotive services company in the United States, Goodyear has been making automotive equipment and tires for over one hundred years now. Founded in 1898, Goodyear specializes in manufacturing tires for cars, trucks, as well as industrial and farming equipment alike. They are also the sole tire supplier for the NASCAR series in the United States. The Goodyear blimp is perhaps one of the most popular icons of the NASCAR culture. They have recently started the Goodyear credit card payment service for their customers.

Goodyear credit card payment account lets you use the credit card for any items available in the Goodyear store, including tires and other products, and rewards usage with discounts and rebates. Goodyear also offers coupons and discount packages making Goodyear card payments easier and better value for money. Credit card holders need to use their Goodyear cards regularly to get the most out of the offered rebates and discounts and need to make regular card payments, online or at stores. The total rebate fluctuates with the amount of money spent on Goodyear credit card payments so you need to keep this in mind when you use your card.

The Goodyear rebate system works like a charm and is as convenient, as it is good for your wallet. It lets you save a lot of money in the long run, and makes payments easier and safer. The only real condition is that you need to purchase from a Goodyear store, online or offline, or get your car serviced at one of the 4,500 Goodyear recognized service centers or dealers. However, make sure you do the math yourself as well, and pay up before the six month, no interest period. After that, you will have to pay a hefty 27% APR. Goodyear also offers small cash-back rebates if you do not have a card, but they are not really that worthwhile. However, you can save up to $150 on tires and other accessories if you use the Goodyear credit card.

The benefit of doing the math is that you will know exactly how much you have to pay up within the no interest period and can make the necessary arrangements to avoid the high APR. Quite a few people do not pay up on time, and then complain about the high interest rate. Additionally, the discounts are instant so when you use the Goodyear credit card, your credit card statements will only show the discounted amount and is actually a great way to save money on your automotive spending. Keep in mind though that failure to pay up your Goodyear credit card payment on time will result in a negative credit history. The rebates you receive will also be affected.

Goodyear also offers gift and discount cards and they are great for friends or family members that you know are motor heads. They will love them. These cards can be used at the time of purchase, and the amount is deducted from the balance on the card.

Walmart Credit Cards

Is a Walmart Credit Card the Ideal Option for You?

Currently, you can choose from the standard Walmart Credit Card and the Walmart Discover. They share some common features. The interest rate is 22.90 per cent APR. There is no annual fee, but this may be subject to changes so it is important that you check specifically. The same cash advance and balance transfer fees apply. The maximum penalty fee is $35 for both cards.

The most widely advertised perk that comes with both credit card offers is the 5-cent discount that you will receive on every gallon of gasoline that you purchase from the company's gas stations. One important thing to note is that the discount will be available only until the end of this calendar year. It is not clear whether another special reward will be available after this period to replace the existing one. Additionally, you cannot receive the discount with the regular discount card Sam's Club.

With any Walmart credit card, you can receive cash advance when you make a purchase. With the Discover one, you will have to pay a higher interest rate - 25.90 per cent APR. You will be entitled to receiving your FICO score for free on a monthly basis with any of the offers, provided that you enroll in electronic statements online. The other shared perk is that you pay nothing for fraud liability.

There are two additional benefits that you will be able to take advantage of, with the Discover Walmart credit card. You will be able to use it everywhere it is accepted and not only in stores of the chain. You will receive cash back rewards on all purchases as well. The percentage of the reward will depend on the total value of the purchases that you make within one year. For purchases up to $1,500, you will receive 0.25 per cent cash back reward. The reward is 0.5 per cent for purchases between $1,500 and $3,000 and 1 per cent for purchases over $3,000. There are special terms for issuing the rewards that you need to check specifically.

It is important to go over the interest rates, fees, benefits and terms and conditions of each Walmart credit card before you make a choice. In general, it is best to compare more credit card offers so that you can find the one that suits you best. You should definitely include cash back offers and other rewards offers in your comparison, but you may also consider comparing these with regular options as well.

Now you can compare a huge number of credit card offers directly and at no cost at all. You just need to use the appropriate online service. It will present to you a huge number of available options that you will be able to compare directly saving time and effort. This will enable you to decide on a Walmart credit card. For more information please visit www.creditcardflyers.com.

Thank you for reading and good luck!

Thursday, 12 July 2012

Sears Credit Card

Sears is a department store providing their own brand name store cards as well as credit cards. There actually isn't such a thing as a single Sears credit card - you will find 4 types of them.

The most widespread type will be the retailer card known as the Sears Card. This isn't a true credit card, it is instead an in-house card for paying at Sears and associated brand names such as Kmart, Land's End, The Great Indoors, and others.

That's the charge card which most people are acquainted with. However, there's also a Sears credit card which you can use for payments anywhere. This is available in three various sorts, with essentially the most typical one being the Sears MasterCard.

We will consider the options that come with these cards at length.

1. Sears Card

Offers the following:
  • Month-to-month discounts and valuable discount coupons for card holders
  • Instant, safeguarded admittance to your credit score
  • Special funding offers
Additional Opportunities:
  • $0 Responsibility on unauthorized purchases
  • Extra users at zero extra expense
  • Returns at Sears with no receipt
  • Short-term shopping pass at Sears and Kmart should you forget your card at home
  • Use your card at Sears, Kmart, Sears.com, Kmart.com, Lands End, The Great Indoors plus more
  • Citi Personal identity Theft Solutions
  • Thorough optional safety offered to Sears card holders: AccountCare
2. Sears Mastercard (Sears Credit Card)

Key Benefits:
  • Monthly savings and useful coupon codes only for cardmembers
  • Access to your current credit rating
  • Special funding promotions
  • Reward yourself with the optionally available Sears Choice Benefits Plan. Earn 1 point for every $ spent on all products without any membership charge.
  • Zero Responsibility on unauthorized transactions
  • Extra clients at zero extra expense
  • Returned items at Sears without a receipt
  • Provisional store shopping pass at Sears and Kmart should you forget your credit card
  • Use your card in Sears, Kmart, Sears.com, Kmart.com, Lands End, The Great Indoors and everywhere MasterCard credit cards are recognized
3. Sears Commercial One

Saving time and cash whenever you purchase Kenmore devices, garden tractors, Craftsman tools and so much more for your company. The Sears Commercial One Card includes enhanced invoice detail, simple expenditure tracking, and more.

Additional great value and advantages:
  • No annual fee
  • Simple expenditure monitoring and documentation
  • Itemized billing information
  • Buy things by phone, faxing, as well as on location
4. Sears Home Improvement Account

The Sears Home Improvement Account was created to help make monthly bills on large, installed Sears expenses easier on your finances. Preserve the credit lines in your other Sears cards accessible, and make use of your Sears Home Improvement Account for:
  • Heating systems and Air-con
  • Kitchen area Redesigning
  • Kitchen Cabinet Re-facing
  • Replacement Windows
  • Vinyl Exterior siding
  • Entry Doors
More Conveniences:
  • Monthly installments
  • 24/7 Customer Service you are able to depend on
  • Safety & Privacy

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