Category Archives: Bank

Wells Fargo Platinum Card Review

November 9, 2020BankIntro APRLeonard Kreicas

Wells Fargo Visa Platinum credit card

Wells Fargo Platinum Visa credit card offers new account holders a generous annual percentage rate (APR) of 0% over 18 months.

Upgrade your credit card and finances with low monthly payments until 2022. After that enjoy the world-class customer service of Wells Fargo and Visa Card benefits.

INTRODUCTORY 0% APR FOR 18 MONTHS

Looking for a great deal to pay bills over time until the cash arrives next year? Or invest your money to make money now and pay off balances with the profits later on. The 0% APR gives smart consumers choices on how to spend their money.

Or else transfer balances from 16% or more APR (Annual Percentage Rate) cards to Wells Fargo Platinum Card for a modest 3% balance transfer fee to save potentially hundreds of dollars in interest. Remember though no to make ANY purchases on the new card while carrying a balance transfer balance. Funds may become mixed and due immediately. Read terms and conditions carefully.

BENEFITS AND FEATURES

People chasing cash rewards won’t find any with this card. The rewards come in a different form of top-flight benefits and services. No need to track the ins and outs of mostly a few dollars worth of rewards. The Wells Fargo Platinum Card keeps life simple with important features that safeguard spending.

No unnecessary annual fee
Automatic bill pay eliminates missed or late payments
Free online banking so you don’t lose important documents and can access them 24/7
Account alerts to remember your purchases and make sure prices and items are right
Digital wallet means no searching for the right card or leaving home without your card
Choose your payment date to one that meets your needs
Free FICO score for unexpected changes or prepare for credit checks

VISA CREDIT CARD BENEFITS

Use the card with confidence wherever you go knowing Visa Card will serve and protect you against misuse of your by others. Or you can add authorized users you trust to help them when they need assistance. Here are some of ways Visa Card works its magic.

Accepted where American Express or Mastercard isn’t
24/7 service locally and throughout the world you need it
Zero fraud liability fights for your rights against scammers and hackers
Identity theft solutions guards you from online predators who want to steal your data
Emergency Cash and Card Replacement
Auto Rental Collision Damage Waiver
Travel and Emergency Assistance Services
Travel Accident Insurance
Lost Luggage Reimbursement
Hotel & Motel Burglary Reimbursement
Lost/Stolen Card Reporting
Cardholder Inquiry Service

Citi Diamond Preferred Credit Card

October 30, 2020BankIntro APRLeonard Kreicas

Citi Diamond Preferred credit card

Citi Diamond Preferred credit card offers generous 0% financing over 18 months for new account holders.

Upgrade your credit card and finances with low monthly payments until 2022. After that enjoy the world-class customer service of Citi and benefits of Mastercard.

INTRODUCTORY 0% APR FOR 18 MONTHS

Looking for a great deal to pay bills over time until the cash arrives next year? Or invest your money to make money now and pay off balances with the profits later on. The 0% gives smart shoppers choices on how to pay for their purchases.

Or else transfer balances from 16% or more APR (Annual Percentage Rate) cards to the Citi Diamond Preferred Card for a modest 3% balance transfer fee and save potentially hundreds of dollars in interest. Remember though not to make ANY purchases on the new card while carrying a balance transfer balance. Read terms and conditions carefully.

BENEFITS AND FEATURES

People chasing cash rewards won’t find any with this card. The rewards come in a different form of top-flight benefits and services. No need to track the ins and outs of mostly a few dollars worth of rewards. The Citi Diamond Preferred credit card keeps life simple with important features such as the following.

No unnecessary annual fee
Contactless pay where available as a quicker way to check out at the register
Automatic bill pay eliminates missed or late payments
Quicklock to freeze and unfreeze card use, so if you’re away for a few days you can keep it locked until you return without worry
Free online banking so you don’t lose important documents and can access them 24/7
Account alerts to remember your purchases and make sure prices and items are right
Digital wallet means no searching for the right card or leaving home without your card
Choose your payment date to one that meets your needs
Free FICO score for unexpected changes or prepare for credit checks

MASTERCARD BENEFITS

Use the card with confidence wherever you go knowing Mastercard will serve and protect you against misuse of your card by other people. Or you can add authorized users you trust to help them when they need assistance. Here are some of ways Mastercard works its magic.

Accepted where American Express or Visa isn’t
24/7 service locally and throughout the world you need it
Zero fraud liability fights for your rights against scammers and hackers
Identity theft solutions guards you from online predators who want to steal your data
Emergency Cash and Card Replacement
Auto Rental Collision Damage Waiver
Travel and Emergency Assistance Services
Travel Accident Insurance
Lost Luggage Reimbursement
Hotel & Motel Burglary Reimbursement
Lost/Stolen Card Reporting
Cardholder Inquiry Service

CITICARD CUSTOMER SERVICE

For help about features and benefits call Citicard Customer Service at 1-800-950-5114 and someone will be glad to assist you.

Union Bank Platinum Visa Credit Card

October 16, 2020BankIntro APR, Low interest, Sign-up offers, Union BankLeonard Kreicas

Union Bank Platinum Vis Card

Pay no balance transfer fees for 60 days when opening a Union Bank Platinum Visa credit card. Plus pay no interest for 15 months on the amount transferred.

After the promotional period ends, if cardholders haven’t paid off the balance in full, they will be billed interest on remaining amounts at APRs anywhere from 8.49% to 19.99% depending on creditworthiness.

Generally carrying a credit card balance is a terrible long-term practice. However under some circumstances it makes sense, such snaring a great deal at half-price (50% off) and paying the purchase off over time. 50% – 8.49% saves the buyer 31.51% when spread over a year. Just be sure to pay off any balances as soon as possible.

BENEFITS AND FEATURES

Union Bank credit cards have a generous slate of features and benefits to make shopping easy and safe. One of them minimizes “buyer’s remorse.” Credit cards have a try before you buy feature built into the system. Other perks include:

Secure mobile access to account
Swipe smart for enhanced security
Custom account alerts for real-time monitoring
Zero fraud liability for unauthorized charges
Go green digital services so you never lose a bill or important documents
Monthly statements to keep track of expenses
Visa Concierge services such as dining reservations, gift arrangements, etc., although some fees may apply
Emergency card replacement available 24/7/365
Purchase security up to $500 for stolen or damaged items

UNION BANK CARDS WITH REWARDS

For those who expect credit cards to come with rewards, Union Bank has three varieties to suit your needs. The Bank Freely Rewards credit card works best with a flat rate for everyday bills such as utilities, clothes, food, entertainment. The Preferred Rewards credit card has bonus categories for dining, gas, and groceries. The Travel Rewards credit card program favors frequent travelers and people on the move.

UNION BANK BANK FREELY REWARDS

Union Bank Freely Rewards Visa creidt card

1.5% unlimited cash back rewards
$100 introductory rewards bonus after $1,000 in purchases within 3 months of opening
Introductory 0% APR financing on purchases and balance transfers for first 12 months
Regular APR of 13.99% to 23.99% once promotional period ends
3% Balance transfer fee

UNION BANK PREFERRED REWARDS VISA CREDIT CARD

10,000 introductory rewards bonus after $1,000 in purchases within 3 months of opening
5% Rewards on digital wallet purchases ($6,000 max) good for first year only
3% Rewards at restaurants ($6,000 max/year and 1% thereafter)
2% Rewards on gas and grocery ($6,000 max/year and 1% thereafter)
1% Rewards on all other eligible purchases
Introductory 0% APR financing on purchases and balance transfers for first 12 months
Regular APR of 13.99% to 23.99% once promotional period ends
3% Balance transfer fee

UNION BANK TRAVEL REWARDS VISA CREDIT CARD

20,000 Introductory rewards bonus after $1,500 in purchases within 3 months of opening
3% Rewards on travel ($6,000 max/year and 1% thereafter)
2% Rewards on restaurants ($6,000 max/year and 1% thereafter)
1% Rewards on all other eligible purchases
Introductory 0% APR financing on purchases and balance transfers for first 12 months
Regular APR of 13.99% to 23.99% once promotional period ends
3% Balance transfer fee
$0 Annual fee for first and $49/year after

ABOUT UNION BANK

While little known in the United States, Union Bank is the brand name for MUFG Bank which is the 5th largest bank by assets in the world by one account. As of 12/31/2019 Union Bank handles more financial assets than JP Morgan Chase, Citibank or Bank of America on a global level.

American Express Blue Cash Everyday Card

October 11, 2020BankAmerican Express, Intro APR, No annual fee, Rewards, Sign-up offersLeonard Kreicas

Blue Cash Everyday Card from American Express

For a limited time only the American Express Blue Cash Everyday Card offers new account holders a generous $200 statement credit after charging $1,000 worth of purchases with the card. This special promotion ends December 10, 2020.

In addition if cardholders decide to carry a balance, they pay no interest for 15 months. However a minimum monthly payment is due each billing cycle.

In addition be rewarded with cash back on purchases and other benefits and features that American Express offers its customers.

Rewards

3% cash back at U.S. supermarkets ($6,000 maximum per year)
2% cash back at U.S. gas stations on eligible purchases
2% cash back at select U.S. department stores, which includes online purchases
1% cash back on other eligible purchases

Interest Rates

Purchases – 0% for 25 days when statement balance is zero
Purchases – 13.99% to 23.99% depending on creditworthiness and prime rate
Cash Advances – 25.24%

Fees

Annual Fee: $0.00
Cash advance: 5% ($10 min)
Foreign transaction: 2.7%
Late payments – up to $40
Returned payment – up to $40

Redeem Membership Rewards

Cash back as statement credit ($25 minimum)
Merchandise such as electronics, fashion, home goods
Gift cards
Travel, including airfare, hotels, luggage
Entertainment
Donate to selected charities

Travel Benefits

Roadside Assistance Hotline
Car rental and damage insurance (excludes liability coverage)
Global Assist Hotline (doesn’t pay for third-party costs)
Travel accident insurance on common carriers

Security Features

Fraud Protection
Advanced secure chip technology
Text alerts

Amex Card Benefits

Exclusive savings with Amex Offers
Amex mobile app
ShopRunner program members receive free 2nd-day shipping from participating merchants.
Guaranteed savings off MSRP on new vehicles using the TrueCar service, with some dealers allowing cardholders to place the entire purchase on their Amex card, up to their credit limit
Entertainment Access for cardholder-only events and places
Monthly and annual summaries
Free authorized users cards

CREDIT CARDS

Choose the right credit card for you

Category Archives: Bank

Wells Fargo Platinum Card Review

INTRODUCTORY 0% APR FOR 18 MONTHS

BENEFITS AND FEATURES

VISA CREDIT CARD BENEFITS

Citi Diamond Preferred Credit Card

INTRODUCTORY 0% APR FOR 18 MONTHS

BENEFITS AND FEATURES

MASTERCARD BENEFITS

CITICARD CUSTOMER SERVICE