Good Credit Card

Good Credit Card Review: American Express

Also known as AMEX, American Express is easily one of the most recognized names in the world of credit cards. Even though many people have Visa or MasterCard credit cards, they are still interested in AMEX. With Visa, MasterCard, and AMEX being the most popular and preferred types of a good credit card, they are all great although there are also differences between them as well.

Both Visa and MasterCard are methods of payment. Both will allow different businesses to accept credit card payments using their systems. Neither of the two issue credit cards on their own behalf, instead they rely on banks throughout the world to issue the credit cards for them, provide the credit, and then charge the interest. Your credit card bill goes to the bank, as Visa or MasterCard doesn’t see any of it.

AMEX on the other hand, is very different. American Express has their own payment system, and they also issue their credit cards directly to consumers. Unlike Visa and MasterCard, AMEX runs the entire show. Therefore, when a credit card says American Express on it, you instantly know who has issued the card, what payment system it has, and everything else you would need to know.

Even though MasterCard and Visa are used more throughout the world, American Express is always expanding their networks. Visa and MasterCard are used in over twenty five million locations over the world, including third world countries, which makes them global credit card payments. AMEX on the other hand, doesn’t quite reach this degree. It is a great credit card, although it isn’t used around the world in areas where the other 2 dominant credit cards are.

You can get AMEX credit cards with rewards, although you’ll need to be careful where you look and what you select. Normally, with Visa and MasterCard, you’ll have to look at hundreds of banks before you can find the best choice. With AMEX, you can look at their website and find out what they offer and what type of APR you’ll have to pay. Most of the time, you can find a credit card with low interest and a great spending limit – providing you have good credit.

AMEX also has several advantages that it offers customers in North America and Europe. The credit card is accepted widely in both areas, offering you credit cards with great features and very attractive looks. AMEX offers you great rates, good rewards, and excellent customer service as well.

American Express also offers you Blue, which is a newly introduced credit card that offers you increased security, no annual fee, and 0% APR for the first year or so. Depending on your credit, you may be able to get an extended period with no interest. After that time has expired, you pay low fees, which makes it a great credit card for anyone looking for a deal. Blue is the newest card from AMEX, and will rapidly become one of the best – due to it’s amazing features.

In the world of credit cards, American Express is one of the best. They offer you a variety of different credit cards, designed to meet just about everyone’s needs. You find them online or through a local provider, although online is the preferred way to go. Simply fill out your application, and if you have good credit, you’ll be approved. Before you know it, you’ll have a credit card from AMEX – and be ready to experience life in the fast lane.

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Good Credit Card Review: Chase

If you are looking for a good credit card company to give your business to, but are unsure of which one to choose, then you may want to consider Chase. They are known for being one of the best credit cards around. They make applying for one of their cards very simple and there are no hidden charges.

When you sign up, they will give you all of the information about any charges that they may charge you. They do not have annual fees and offer a 0% interest introductory rate. Also, Chase offers fraud protection, which is a very important thing to have these days.

It is so easy to apply for a Chase credit card. Applying on their website is simple, too. Their website is also a great place to learn more about their credit cards including the interest rates and pictures of each kind of card.

You can also pay your credit card bill online. This is a fast and secure way for you to pay your credit card bill. If you do not have a Chase credit card, but have heard great things about the company, you can sign-up on their website. If you fill out the form correctly, then you could be a Chase member in just a few days.

Chase offers individual accounts and small business accounts. This is great for those of you who are looking for a credit card to start your small business.

Chase credit cards are accepted all over the world, so you do not have to worry about being able to use it on a trip abroad. Chase also gives their customers air miles for every dollar, so you may be able to take a vacation much cheaper than you think.

Recently, Chase has went through some bad press – mainly aimed at their customer service practices, but they have made strides to make their customer service better and to lower their interest rates. If you are looking for a credit card with a proven track record, then you will want to consider Chase.

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Protecting Your Good Credit Card

Credit card fraud costs cardholders and issuers hundreds of millions of dollars each year. While theft is the most obvious form of fraud, it can occur in other ways. For example, someone may use your good credit card number without your knowledge.

It’s not always possible to prevent credit or charge card fraud from happening. But there are a few steps you can take to make it more difficult for a crook to capture your card or card numbers and minimize the possibility.

Here are some tips to help protect yourself from credit and charge card fraud.

Do:

* Sign your cards as soon as they arrive.
* Carry your cards separately from your wallet, in a zippered compartment, a business card holder, or another small pouch.
* Keep a record of your account numbers, their expiration dates, and the phone number and address of each company in a secure place.
* Keep an eye on your card during the transaction, and get it back as quickly as possible.
* Void incorrect receipts.
* Destroy carbons.
* Save receipts to compare with billing statements.
* Open bills promptly and reconcile accounts monthly, just as you would your checking account.
* Report any questionable charges promptly and in writing to the card issuer.
* Notify card companies in advance of a change in address.

Don’t:

* Lend your card(s) to anyone.
* Leave cards or receipts lying around.
* Sign a blank receipt. When you sign a receipt, draw a line through any blank spaces above the total.
* Write your account number on a postcard or the outside of an envelope.
* Give out your account number over the phone unless you’re making the call to a company you know is reputable. If you have questions about a company, check it out with your local consumer protection office or Better Business Bureau.

If you lose your credit or charge cards or if you realize they’ve been lost or stolen, immediately call the issuer(s). Many companies have toll-free numbers and 24-hour service to deal with such emergencies. By law, once you report the loss or theft, you have no further responsibility for unauthorized charges. In any event, your maximum liability under federal law is $50 per card. If you suspect fraud, you may be asked to sign a statement under oath that you did not make the purchase(s) in question.

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