The Best Credit Card for Summer Vacations

What’s the best credit card to protect yourself against fraud on your summer vacation this year?  Even better, which card offers you the best interest rate, no annual fee, and the best travel rewards?

Did you know that areas frequented by tourists are literally the worst places to use a debit or credit card that is attached to your bank account?

Need a Vacation?

You have traveled all night to get to your destination, stopping only when needed for gas, snacks, and such because you’re all so excited.  When you finally reach your vacation rental, hotel, or resort, and you are ready to check in, your debit or credit card is declined.  That’s not possible, you tell the desk clerk.  The money was there when you last checked your account.  Frantically, you check your bank account using your mobile phone…only to find out that someone has drained your account.

Where is all your money?

Unfortunately it’s very likely that somewhere along the way, there was a gas pump, an ATM, or even a dishonest server with a “skimmer.”  Just moments after you swiped your card, your card number, along with your PIN, was transmitted to someone who duplicated your card and then used it to clean out your bank account…all before you even realized what was happening.

Now what are you going to do?

Although you’re sure that your bank will ultimately return the missing money to your account, you will still have to file a dispute, cancel your card, and wait up to ten days for the funds to reappear in your account. But until then, you’re hundreds or thousands of miles from home with no money, no place to stay, and no way to pay for anything at all until you get the problem with your bank account resolved. And to think, all of this could have been avoided if you’d used a credit card instead of the debit/credit card that is attached to your bank account.  And, even though it is true that your credit card could have been compromised just the same as the card attached to your bank account, you would have at least still had access to your bank account, and chances are, you would have had enough money in your account to cover something… a place to stay, gas for the disappointing trip home, food for your family…

The Best Way to Use Your Tax Refund

Got a little extra cash left over from your tax refund?  Why not take just a little bit of your tax refund and use it to get your credit back on track?  Believe it or not, it doesn’t cost a small fortune to start rebuilding your credit and, even better, it’s not nearly as hard as you think.

If your credit is less than perfect or even if you don’t have any credit, you can start improving your score today… and it is as simple as using a little of your tax refund to get a secured credit card.

Unlike prepaid cards, a secured credit card actually is a real credit card. Typically once you’ve proven your creditworthiness, many of these credit cards will refund the initial security deposit and convert your account into an unsecured credit card account.  Even better, some secured credit cards actually have really good interest rates on the purchases that you do make.

And, as if that’s not good enough all by itself – here’s the real reason you want a secured credit card:

Most secured credit card companies report to at least one of the major credit bureaus and that is what really matters when it comes to getting a fresh start on your credit… you’ll actually be building up your credit score just by using your new credit card wisely.  

All it takes is a small deposit on a secured credit card – so, go ahead, use just a little bit of this year’s tax refund to get a fresh start on your credit!  Trust me, it will be worth it in the long run. Here is just ONE of the many secured credit cards available to you:

The Best Way to Get Credit After Bankruptcy

What’s the best way to get a fresh start on your credit after filing bankruptcy?

Typically when you file bankruptcy, your credit score bottoms out, you don’t have a lot of money on hand, and no one will extend any kind of credit to you. Although your debt is instantly erased, your credit score isn’t reset. In fact, it will take years to recover, but did you know that there are ways to start improving your credit score as soon as the bankruptcy is finalized?

One of the best ways to re-establish your credit after bankruptcy is to open a secured credit card account.

With a secured credit card, there is usually no question whether or not they will open the account – you’ll just need the security (deposit) that they will hold against the account. In some cases, you’ll be limited to a specified credit limit, and in others, you can set the credit limit simply by putting more funds in the security deposit account. Either way, you can apply for and get a credit card relatively fast, and just like regular credit cards, secured cards typically report to the major credit bureaus, so you’ll be able to start rebuilding your credit right away.

Secured credit cards can help in two ways:

  1. A secured credit card helps you to rebuild the amount of available credit on your credit report. This is a very important part of your credit score, and the more available but unused credit that you have, the better it affects your credit score.
  2. Demonstrating responsible usage of your secured card, including making timely, regular payments, can also affect your credit score in a very positive way. Credit is measured not only by available credit, but by the length of time that you hold accounts, and by your history of timely, regular payments.

Not sure which secured credit card is right for you?

Here are our top picks:

Emporium: The Best Luxury Shopping Site

When you open an Emporium Preferred Account, getting a fresh start on your credit with an online luxury shopping site gets a whole lot easier!

One of the best ways to improve your credit rating is to open a store/catalog credit card.  Not only are catalog sites typically more lenient when it comes to approving those of us with less than perfect credit, but nearly every one of them reports your approval, credit limit, and regular payment history to at least one of the credit bureaus.  And you know what that can mean… a fresh start on your credit!

That’s right, getting a fresh start on your credit just got EASIER.  Not only do you have the ability to buy NICE things, but over time, your credit score could improve significantly… just because you use your Emporium Preferred Account wisely!

Emporium Preferred Account

  • Up to $5,000 Spending Limit in Less than 60 Seconds! Shop from over 100,000 brand name products such as Apple, Samsung, Sony, Gucci, Prada and much more with low easy payments.
  • Less than Perfect Credit Accepted. Approval is quick and easy. Must be 18 years or older, have a valid checking account and a verifiable source of income.
  • 90 Days Same as Cash
  • 50% Early Payoff Discount
  • No Hidden Fees
  • Return at any Time

APPLY TODAY