About Unsecured Credit Cards Directory
Unsecured Credit Card Mall is a portal of credit card and loan offers applicable online. Browse through the unsecured credit cards, compare the terms and apply for the best one! Comparing unsecured credit card benefits is a no barainer here. It's easy to locate the card that fits you best once you know your preferences. Either you are looking for an unsecured platinum credit card with the lowest Annual Percentage Rate (APR) or a credit card with reward points, rebate or no annual fee, you'll find it here!
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Important! |
What is a secured and an unsecured credit card?
A secured credit card means that you must deposit money in an account to secure the credit card. The amount of the security deposit will usually equal your credit limit.
On the other hand an unsecured credit card does not require a security deposit. These types of credit cards are for individuals with good or excellent credit line usually, but you can also have poor credit and in this case they help you re-build your credit.
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| Chase PerfectCardTM MasterCard® |
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0% Introductory APR* on balance transfers Earn a 6% rebate on all gasoline purchases for the first 90 days your account is open Earn a 3% rebate on all gasoline purchases after the 90 day introductory period Earn a 1% rebate on purchases All the rebates you earn are automatically credited toward future purchases • More Info Apply for Chase PerfectCard MasterCard |
| Discover® More(SM) Card |
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0% Intro APR* More ways to earn more cash - than anyone else.SM* 5% Cashback BonusŪ in categories like travel, home, gas, restaurants, movies and more 5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site Up to 1% Cashback Bonus on all other purchases automatically Unlimited cash rewards Increase, even double, your rewards when you redeem for gift cards from our 80 Cashback Bonus Partners Complete fraud protection for your peace of mind $0 fraud liability guarantee Advanced fraud early warning alerts Fraud specialists dedicated to helping you 24/7 Customer service that puts you first One call and we take care of it Talk to a knowledgeable person in less than a minute Easy online account options that put you in control Timely e-mail reminders to help you avoid fees No annual fee Formerly Discover Platinum Card *View DiscoverŪ Card Rates, Fees, Rewards and Other Important Information. • More Info Apply for Discover More(SM) Card |
| Blue Sky® |
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Redeem points to save on any airline, hotel, rental car or cruise - no blackout dates or travel restrictions No blackout dates, no travel restrictions No annual fee and a 0% intro APR World class cardmember benefits including Travel Accident Insurance, Buyers Assurance Plan, and Return Protection Balance transfer requests submitted on application receive APR of 4.99% for life of the balance. Points good on any airline, hotel, car rental and more. No blackout dates or travel restrictions Express Approval. Get a decision in less than 60 seconds. • More Info Apply for Blue Sky |
| Blue from American Express® |
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0% introductory rate for purchases for 15 months Then a fixed APR Prime + as low as 4.99% No annual fee Low Balance Transfer APR - 4.99% Fixed APR for the life of the balance. Choose to carry a balance or pay in full Blue is your launch pad to standout shopping and entertainment rewards and one-of-a-kind experiences. Earn points that can be redeemed for gift cards, travel, merchandise, and unique entertainment experiences. Express Approval. Get a decision in less than 60 seconds. • More Info Apply for Blue from American Express |
| Clear from American Express® |
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0.00% intro APR for up to 12 months. 5.99% fixed APR on balance transfers. Automatic Rewards. Flexibility to pay over time. User-friendly credit report and score. American Express World-Class Customer Service. Earn automatic rewards faster with fee-free Additional Cards • More Info Apply for Clear from American Express |
| FSBO Listings |
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California real estate and Florida real estate For Sale By Owner listings • More Info Apply for FSBO Listings |
| Chase Flexible RewardsTM Platinum Visa® |
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0% APR for up to 6 months* No annual fee. • More Info Apply for Chase Flexible RewardsTM Platinum Visa |
| Bank of America Platinum Plus® Visa® Card |
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Card issued by FIA Card Services, NA. Mini Card available Photo Expressions available 0% Intro Annual Percentage Rate (APR)† on purchases and balance transfers for the first 6 months. No Annual Fee Credit lines as high as $25,000 Online Banking Service Total Security Protection® • More Info Apply for Bank of America Platinum Plus Visa Card |
| Total Rewards® Credit Card |
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Card issued by FIA Card Services, NA. Earn 1 Reward Credit for every $1 you charge in net retail purchases anywhere 0% Introductory Annual Percentage Rate (APR) on balance transfers and cash advance checks for one year No annual fee • More Info Apply for Total Rewards Credit Card |
| Pulaski Bank Visa/MasterCard |
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Low ratew No annual fee 0% balance transfers No fee balance transfers • More Info Apply for Pulaski Bank Visa MasterCard |
| BP Visa® Card |
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Earn up to 10% in rebates Earn up to 5% in rebates 0% APR for up to 6 months No annual fee Online Account Management Zero Liability against unauthorized purchases • More Info Apply for BP Visa Card |
How is your balance calculated to figure out the finance charge?
Average Daily Balance: This is the most common credit card balance calculation method. It credits your account from the day payment is received by the issuer. To figure the balance due, the issuer totals the beginning balance for each day in the billing period and subtracts any credits made to your account that day. While new purchases may or may not be added, depending on your plan, cash advances typically are included. The resulting daily balances are added for the billing cycle. The total is then divided by the number of days in the billing period to get the "average daily balance."
Adjusted Balance: This is usually the most advantageous method for card holders. It is determined by subtracting payments or credits received during the current billing period from the amount left at the end of the previous billing period. Purchases made during the billing period aren't included. This method gives you until the end of the billing cycle to pay a portion of your balance to avoid the interest charges on that amount. Some creditors exclude prior, unpaid finance charges from the previous balance.
Previous Balance: This is the amount you owed at the end of the previous billing period. Payments, credits and new purchases during the current billing period are not included. Some creditors also exclude unpaid finance charges.
Two-Cycle Balances: Issuers sometimes use various methods to calculate your credit card balance that make use of your last two month's account activity. Read your agreement carefully to find out if your issuer uses this approach and, if so, what specific two-cycle method is used. If you don't understand how your finance charge is calculated, ask your card issuer. An explanation must also appear on your billing statements.
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How to Improve Your Credit Score?
Looking for a higher credit score? There's good reason to do so -- a higher score can give you a greater array of financial options and more favorable credit offers. Even if you already have a good score, there's always room for improvement. Keep in mind, however, that your credit score is based on your history of borrowing and repaying money, so there's no way to instantly boost it. But here are the most effective ways to strengthen your credit score over time.
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