American Bar Association Visa Signature
Exclusively for American Bar Association members
American Bar Association’s VISA Signature credit card offers an introductory 0% APR on purchases for the first 7 billing cycles after the account is opened.
This card is limited to members of American Bar Association and issued by Bank of America.
Founded in 1878, the American Bar Association (ABA) has 410,000 members throughout the United States and abroad. A voluntary association, the main duties of the ABA is setting academic standards for law schools and defining ethical codes for the legal profession
Offered exclusively by Bank of America, the WorldPoints® program lets you choose your rewards for among merchandise, gift cards, cash, travel, charities and Ultimate access®. Additionally purchases at WorldPoints Mall may get up to 10 times the points normally earned.
This a personal credit card for members of the American Bar Association who want the services and rewards that come with the Visa Signature and WorldPoints® programs.
TERMS
- Grace Period: 25 days
- Annual Fee: $0
- Balance Transfer Fee: 4% (min $10)
- Cash Advance Fee: 4% (min $10)
- Foreign Transaction Fee: 3%
- APR Intro: 0% for 7 months
- APR Revolving Balance: 12.99 to 20.99%
- APR Balance Transfer Intro: 0% for 7 months
- APR Balance Transfer: 12.99% to 20.99%
- APR Cash Advances: 24.24%
- Rewards: 1%
- Fraud Protection: yes
- Warranty Extension: yes
- Price Protection: n/a
American Bar Association Business MasterCard
American Bar Association’s Business MasterCard with WorldPoints® Rewards offers an introductory 0% APR on purchases for the first 9 billing cycles after the account is opened.
This card is limited to members of American Bar Association and issued by Bank of America.
Founded in 1878, the American Bar Association (ABA) has 410,000 members throughout the United States and abroad. A voluntary association, the main duties of the ABA is setting academic standards for law schools and defining ethical codes for the legal profession
Offered exclusively by Bank of America, the WorldPoints® program lets you choose your rewards for among merchandise, gift cards, cash, travel, charities and Ultimate access®. Additionally purchases at WorldPoints Mall get up to 10 times the points normally earned.
This card is for business owners who are members of the American Bar Association, want better control over business expenses and like the flexibility to redeem WorldPoints® points for valuable rewards.
TERMS
- Grace Period: 25 days
- Annual Fee: $0
- Balance Transfer Fee: 3% (min $10)
- Cash Advance Fee: 4% (min $10)
- Foreign Transaction Fee: 3%
- APR Intro: 0% for 7 months
- APR Revolving Balance: 11.24 to 21.24%
- APR Balance Transfer Intro: 0% for 9 months
- APR Balance Transfer: 11.24% to 21.24%
- APR Cash Advances: 24.24%
- Rewards: 1%
- Fraud Protection: yes
- Warranty Extension: yes
- Price Protection: n/a
American Association of Grant Professionals VISA
After your first purchase with the AAGP VISA Card, UMB will donate $50 to the The American Association of Grant Professionals.
The American Association of Grant Professionals, a nonprofit membership association, builds and supports an international community of grant professionals committed to serving the greater public good by practicing the highest ethical and professional standards. Formed in 1998, AAGP currently boasts over 1,200 current members internationally.
The issuer UMB Financial Corp. has been ranked the best bank in the continental United States (second-best bank in the nation) by “Forbes” in a study in conjunction with SNL Financial. UMB has offices throughout Missouri, Illinois, Colorado, Kansas, Oklahoma, Nebraska and Arizona and has over 3,3oo employees.
The AAGP VISA card earn bonus points for FREE airline tickets, merchandise, cash-back and more at participating merchants. Its enhanced Visa Platinum benefits include 24/7 Emergency Customer Service, 100% Fraud Protection, Auto Rental and Travel Accident Insurance. Where else can you get an insurance policy for free?
For details and an online application go the American Association of Grant Professionals VISA site.
TERMS
- Grace Period: 21 days
- Annual Fee: $0
- Balance Transfer Fee: 3% (min $10)
- Cash Advance Fee: 3% (min $10)
- Foreign Transaction Fee: 2%
- APR Intro: 0%
- APR Revolving Balance: 11.99%
- APR Balance Transfer Intro: 0%
- APR Balance Transfer: 11.99%
- APR Cash Advances: 15.99%
- Rewards: 1%
- Fraud Protection: yes
- Warranty Extension: yes
- Price Protection: n/a
American Appendix Horse Association VISA
After your first purchase with the AAHA VISA Card, UMB will donate $50 to the The American Appendix Horse Association.
An Appendix horse is a first generation cross between a registered Thoroughbred and an American Quarter Horse or a cross between a numbered American Quarter Horse and an appendix American Quarter Horse. The name Appendix Horse comes from the offspring being registered in the appendix of the American Quarter Horse Association’s studbook.
The Appendix horse continues to be sold without papers for slaughter. The Appendix Foundation promotes the horse as a breed of it’s own and maintains the pedigrees of these horses to increase their value and save their lives. You can support their mission by applying for the official AAHA Visa card today.
The issuer UMB Financial Corp. has been ranked the best bank in the continental United States (second-best bank in the nation) by “Forbes” in a study in conjunction with SNL Financial. UMB has offices throughout Missouri, Illinois, Colorado, Kansas, Oklahoma, Nebraska and Arizona and has over 3,3oo employees.
The AAHA VISA card earn bonus points for FREE airline tickets, merchandise, cash-back and more at participating merchants. Its enhanced Visa Platinum benefits include 24/7 Emergency Customer Service, 100% Fraud Protection, Auto Rental and Travel Accident Insurance. Where else can you get an insurance policy for free?
For details and an online application go the American Appendix Horse Association VISA site.
TERMS
- Grace Period: 21 days
- Annual Fee: $0
- Balance Transfer Fee: 3% (min $10)
- Cash Advance Fee: 3% (min $10)
- Foreign Transaction Fee: 2%
- APR Intro: 0%
- APR Revolving Balance: 11.99%
- APR Balance Transfer Intro: 0%
- APR Balance Transfer: 11.99%
- APR Cash Advances: 15.99%
- Rewards: 1%
- Fraud Protection: yes
- Warranty Extension: yes
- Price Protection: n/a
Amazon VISA
Get $30 Just For Opening A New Amazon.com Visa Account
Upon approval of a new Amazon.com Rewards Visa Card you will be automatically credited $30 within a few days of your first purchase with the card. The discount will appear as a credit on your credit card statement.
Use your card instantly after approval.
Earn rewards points for every eligible purchase; 3 points for every $1 spent on Amazon.com, 2 points for every $1 spent at gas stations, restaurants, and drug stores, and 1 point for every other $1 spent. This is better than what banks pay on their accounts.
Redeem your points for as few as 2,500 points. Redeem for $50 cash back with 5,000 points.
There is no annual fee for this card; it offers zero liability for unauthorized charges; and purchase protection for items lost, stolen or damaged within 90 days of purchase. Where else can you get an insurance policy for free?
TERMS
- Grace Period: 21 days
- Annual Fee: $0
- Balance Transfer Fee: 5% (min $10)
- Cash Advance Fee: 5% (min $10)
- Foreign Transaction Fee: 3%
- APR Intro: n/a
- APR Revolving Balance: 13.24% to 21.24%
- APR Balance Transfer Intro: n/a
- APR Balance Transfer: 13.24% to 21.24%
- APR Cash Advances: 19.24%
- Rewards: 1% to 3%
- Fraud Protection: yes
- Warranty Extension: yes
- Price Protection: n/a
America’s Christian CU EasyCheck Debit Card
The READYCHEK® Card is smarter than a credit card, better than a check and safer than cash.
You’ll have the worldwide acceptance of the VISA name, but the funds are debited directly from your America’s Christian CU checking account.
Best of all you can obtain cash advances for shopping or emergencies at any financial institution displaying the VISA® logo.
Listed below are some of the benefits you’ll enjoy with the READYCHEK® Card.
- NO ANNUAL FEE
- Worldwide acceptance at over 14 million locations
- 24/7 access
- Convenient and safer than cash
- ATM withdrawals at over 450,000 PLUS® & STAR® system ATMs
- Unlimited FREE ATM withdrawals (surcharge fees may apply.)
- Deposits and payments can be made at CO-OP and NYCE deposit-accepting ATMs
- ATM access up to $1,000 per day
For more information call 1-800-343-6328.
Amalgamated Bank CashPlus Debit Card
Can’t get approved for a traditional credit card?
Try The Amalgamated Bank (AB) CashPlus debit card with a personal line of credit.
Amalgamated Bank personal line of credit charges an annual interest rate of 16%, with a minimum credit limit of $500, up to a generous $25,000.
With this card you don’t even need to buy anything at a store: you can take cash out at participating ATM’s up to a daily limit.
This is a great alternative for financing the brief emergencies in life at reasonable rates.
For more information and apply online visit the Amalgamated Bank website here.
10 Reasons To Own A Suit
dress to impress
1. Suits are sexy
Ever notice ads show men in suits are always with beautiful women? Women like winners, and an expensive-looking suit invites women to pay more attention to the guy.
2. Suits are for men
Just as boys put away their childhood toys for the “real thing” when they reach manhood, trading the t-shirt for a suit symbolizes the transition from being a kid to being a man.
3. Uniforms give a clear message
Would Yankee fans, Cowboy fans, Laker fans pay to watch their teams play in street clothes? Just as people expect their players to look professional on the field, suits give the audience a clear message the guy means business.
4. Suits can be fun
Suits are no longer limited to strictly job interviews, weddings and funerals. A new generation of sophisticated men wear jackets with a flair for fashion that says they know how to dress-up and party at the same time.
5. Suits are affordable
Handsome suits can be bought for about the same price as a single pair of high-end jeans. Suits costing a few hundred dollars are readily available at most major deparment stores.
6. Suit separates make tailoring obsolete
Used to be that tailoring was the most expensive part of a suit purchase. The advent of suit separates, where a jacket and matching trousers can be bought individually, allowed a man to get a jacket and trousers which fit him perfectly right off the rack, without breaking the bank for extensive alterations.
7. First impressions do count
Just as men judge women on appearance, they do the same for guys except they won’t admit it. Giving the wrong first impression makes the job a lot more difficult, if not impossible. Like parachuting, some times there is no second chance.
8. Suits can be practical
Cell phones, money clips, keys and the like need to put somewhere without looking like your pants are bulging in the wrong places. Besides a jacket is a great thing to hide underarm perspiration.
9. Suits are flattering
Suits can hide that ugly beer belly as well as bulk up the skinny guy. Not every guy has six-pack abs for tight shirts, so a suit can be an excellent cover until a guy develops them.
10. Certain occasions demand suits
Men need suits for interviews, weddings and funerals.
Advantages of Suit Separates
Suit separates on display
Traditionally suits have always been purchased as an ensemble of jacket and pants in order to ensure a perfect match in the materials between the jacket and trousers.
With the advent of improved quality control in the manufacturing process of garments, buying jackets and pants separtely to make a complete suit has become a reality.
Recently mens suit separates have escaped from the basement of the fashion world to become a viable alternative to purchasing a nested suit, which results in huge savings in time and money for the buyer.
What are the advantages of mens suit separates?
1. A better fit without extensive alterations.
A man with overly broad shoulders or conversely, a larger waist can purchase the exact size jacket and pants he needs off-the-shelf, without the limit of the usual 6 or 7 inch drop of nested suits. Many times tailoring a nested suit available in the store to the individual’s body shape is not even possible.
2. Suit is available for immediate use.
For customers who need to wear a suit the same or even next day, a suit separate may offer the only solution. The trousers are finished, as is the jacket, so by choosing the correct fitting brand and size the suit is ready to be worn immediately.
3. Trousers or jackets can replaced in case they are damaged.
A client can buy two or even three trousers for the matching jacket at the time of purchase. Or get another matching jacket if the original one is accidentally ruined. When either the pants or jacket for a nested suit are damaged, the entire suit needs to be replaced.
5 Mistakes When Shopping For A Suit
well-tailored suit
1. Wearing a t-shirt, sneakers, jeans or shorts for a fitting
Unless you plan to wear an undershirt and sneakers with the suit, arrive at the store attired in long-sleeve shirt and dress shoes. If you are going to invest time and money in a suit, don’t squander your time at the store by having to find a shirt and shoes before you try on the suits.
2. Skimping on tailoring
Tailoring is part of buying a suit. The cost of alterations can cause sticker-shock to the ready-to-wear department-store buyer. Be prepared to include tailoring as part of the cost a well-tailored suit.
3. Following the latest trend
Suits are a costly investment meant to be worn for important occassions, or to give a professional image over many years. What is in fashion now will look dated in a few years, so the money spent on trendy suits will look silly in a few years.
4. Buying suits a size too big
Looking like you’r wearing a burlap sack doesn’t impress anyone in the right way. A well-tailored suit tells the people you are meeting, they are important enough that you took the time to prepare in a professional manner and they will take your presentation more seriously.
5. Being in a rush
Custom-made suits take months to be created. Don’t expect to walk out of the store of the store looking perfect after only ten minutes of shopping. Unless you have a lot of experience in buying suits, finding the right one for the occassional buyer takes time and effort.