Retail Credit Cards

Retail store credit cards are appealing to consumers who frequently shop at a specific retail store. Retail stores have long been one of the largest issuers of name brand credit cards, often times offering point of sale discounts to consumers who apply for a store charge accout. Retail store credit cards can offer consumers with loyalty based discounted shopping, exclusive coupons and long term rewards. Many large retail stores partner with financial institutions to manage their retail credit card accounts. Consumers should carefully review and of the fine print with a retail store based credit card and consider if they are likley to carray a balance with this card prior to application.

Featured Credit Card Offer

Consumers who find themselves carrying a balance on a retail based credit card may benefit from a balance transfer. Carefully shopping around to find the best card terms and programs for their specific situation. Some popular methods to help reduce your interest are to transfer a balance to zero percent credit cards, thic can help you reduce your card interest. Consumers looking for low interest rate retail credit cards may want to consider the AmericanExpress Costco Card® and the Discover More Card ®. Utilizing a zero percent balance transfer offer can be a great way to save money if you are carry a balance with your present credit card. If you are considering pursuing a balance transfer and want to make sure you are not applying for a card with a rate that could adjust be certain to verify this with the issuing bank. Generally you will need good to exceptional credit to qualify for a lifetime fixed low rate credit card. Be certain to find out what your rate will adjust to after your promotional period expires.

Credit Card News & Articles

Credit Card rule changes go into effect in February

Starting next month, consumers will gain some ground on the banking and credit card industry. Advocates for changes to reduce fees, rates and offer additional protections to consumers are getting a lift in February as the industry is finally forced to offer new policies that lawmakers pushed for late...

Is more bank regulation on the horizon

Long awaited legislation aimed at reigning in finance and banking companies may finally become a reality. Following an eventful week on Wall Street, where news out of Europe that ING would be broken up and divisions would be sold off in the near future certainly put a renewed emphasis on reform. European...

Card companies choose different paths to recoup revenue

The back and forth battle between consumer groups and credit card companies is beginning to take shape. Over the past two weeks, major credit card issuers Bank of America and Wells Fargo have taken different approaches in trying to recoup lost revenue from their credit card divisions. The financial industry...

Busy day of news, Fed holds rates steady and banks reduce fees

The clear cut winners from today’s news were consumers. The FOMC policy to keep interest rates intact for the Fed Discount and Fed Funds rate was anticipated by almost everyone in the economy. The key news was not related to the Fed’s decision to leave interest rates unchanged; more specifically...