Archive for August, 2014
Identity Guard is a company that offers credit report monitoring services and a whole lot more for their customers. They also offer software to protect your computer from viruses, key logging and other threats where someone might try to steal your identity. Your membership is built on the monitor, protect and recover system that they’ve designed.
Try Before You Buy
Identity Guard offers a free 30 day trial with any plan. After signing up you can select to pay monthly or annually based on your budget. You can cancel at any time during the trial period and will never be billed.
Identity Guard offers 3 tiers of pricing:
- The Essentials service includes several key features to help protect your identity such as SSN monitoring, ID verification alerts, plus $1 million identity theft insurance. This plan costs $9.99 per month.
- The Total Protection service includes everything in Essentials plus Public Record Monitoring, quarterly 3 credit score and 3-bureau credit report updates and more. This plan costs $16.99 per month.
- The Platinum service includes everything in Total Protection, plus monthly 3 credit score and 3-bureau credit report updates. This plan costs $24.99 per month.
You can always change your membership level based on your needs.
- 3 Bureau monitoring
- 3 Bureau credit scores are updated quarterly
- Credit reports from all 3 bureaus four times per year
- Lost wallet protection
- Public Record reports
- Internet monitoring
- Social Security Number monitoring
Identity Theft Protection
Identity theft is an increasingly common occurrence in today’s world. Identity guard give you piece of mind in this area. They have very good protection for their members which includes up to $1,000,000 in identity theft protection insurance.
You can contact their support team via email at firstname.lastname@example.org, call them at 1-800-452-2541or write them at:
P.O. Box 222455
Chantilly, VA 20153-2455
This is one of the most comprehensive services out there. Not only do you get great credit report monitoring but they also help protect you from identity theft in many areas. You can be sure that if anyone ever tries to steal your identity or ruin your credit, this service will alert you.
IdentityForce protects your identity, privacy, and credit by using innovative identity theft protection technology that allows them to be proactive. They provide an early warning system with instant notification when your personal information is at risk. IdentityForce is set up to send alerts to your smart phone, tablet, or computer, so that you have the power to act before any damage is done. They also give you access to information so that you can understand your credit score, and where or how your online information is being used. They also help you protect your keystrokes, pin numbers, and credit card information. IdentityForce’s Certified Protection Experts offer comprehensive, 24/7 recovery services which can save you time by completing all the paperwork, making the calls, and handling every detail to ensure your identity is restored. In addition, they’ll make sure you’re covered with their nationwide $1 million Identity Theft insurance policy.
Try Before You Buy
Identity Guard offers a free 14 day trial with any plan.
Pricing & Benefits
IdentityForce offers 2 tiers of pricing:
- The UltraSecure service includes several key features to help protect your identity such as:
- Continuously monitor your personal information to detect illegal trading and selling
- Comprehensive public records monitoring including criminal, court and sex offender records
- Instant notification when your personal information is being misused
- 24/7 fully-managed restoration services from our Certified Protection Experts
- Delivers the peace of mind that comes with complete protection
- Protection backed by a nation-wide $1 million insurance policy
This plan costs $14.95 per month.
2. The UltraSecure + Credit service includes everything in UltraSecure plus:
- Daily 3-Bureau Credit Monitoring
- Credit Report, Score and Score Tracker
This plan costs $19.95 per month.
You can always change your membership level based on your needs.
Identity Theft Protection
Identity theft is an increasingly common occurrence in today’s world. IdentityForce gives you piece of mind in this area. They have very good protection for their members which includes up to $1,000,000 in identity theft protection insurance.
You can contact their support team via email at email@example.com, call them at 1–877-694-3367or write them at:
40 Speen Street, Suite 403
Framingham, MA 01701
IdentityForce is comparable to the standard services of other providers and reasonably priced. There is some flexibility with their plan options. You can set up electronic alerts which can be synced to multiple devices for your convenience. You can also try it for free for 14 days.
A lot of people get offers for a Providian credit card. Providian is one of the companies that offer cards to a very wide range of people. Some credit cards mostly have to be asked for, but this card and credit cards from some other companies are offered to consumers through mailings and Internet advertisements.
These allow a lot more people to get a Providian credit card, and help to make more revenue for the company while helping out more consumers who need credit. One of the ways that this takes places is through the different options that Providian owners can get.
There are cards for businesses, cards for individuals, and cards at different levels of creditworthiness. In other words, people who have credit problems can get a secured Providian credit card, while people with better credit can get a standard Providian credit card or a Platinum card. The variety of options helps to make Providian one of the better all-around choices for credit cards.
The Benefits Of A Providian Credit Card
A Providian card, like some other cards, has a lot of basic benefits. Sometimes, however, the benefits that are offered can change and promotional offers can be found. It is a good idea to check into these and see if there are things that you would be interested in. If you don’t feel the current promotional offer is a good one for you, you might wait a little while, because it will likely change. There are, though, some things that you can generally expect with your Providian credit card:
– No annual fee
– Low introductory rate
– 24/7 customer service
– No liability for fraudulent transactions
– Many different card options
There are also other benefits that come with some of the Providian offers out there. Most of that depends on which card is selected, or which card you qualify for. If you have good credit, there might be several different offers that you can choose from.
How Do I Know If A Providian Credit Card Is Right For Me?
If you are looking for a good quality credit card with basic amenities and good customer service, a Providian credit card might be the right one for you. Keep in mind that there are a lot of credit cards out there, and most of them are similar when it comes to specific areas.
There are, though, differences between them, and these can be significant, depending on what a person is looking for. Researching the Providian credit card is a great way to see what it has to offer, and you can apply online if you want, making the process of getting it even easier.
It has never been easier than it is in the Internet age to apply for credit, and a lot of people are taking advantage of that to get different cards with different benefits suited to their needs. You could make Providian one of your important financial tools.
Credit card rewards points are a great way to earn free travel, electronics and gift cards. But for most people, it takes too long to accumulate points.
A new credit card is guaranteed to be a game changer. It’s called the ePlate Credit Card from Dynamics Inc., which makes next-generation payment cards. ePlate lets you customize rewards packages, earn points faster and even qualify for multiply points instantly. Here’s why it will shake up the credit card industry:
1. Cardholders choose which rewards they want to work towards attaining. Choices include entertainment, travel, groceries, charity, artwork, signed memorabilia and even wild adventures. The best part is, you can earn points for two reward experiences at the same time!
2. ePlate partners with dozens of companies to offer these reward “experiences”. Most offer short-term and long-term rewards to keep you motivated. Since each company is trying to win your loyalty, they require fewer points to cash in rewards.
3. When you charge purchases to ePlate, you will also be entered into sweepstakes that can increase your rewards points up to 19 times the current value. It’s like a free lottery ticket for more points!
There are dozens of experiences tied to ePlate Credit Cards so you can treat yourself, give to others or simply pay for everyday items. You can also choose the CashPerks+ Experience to earn up to 1.25% on all purchases. As an incentive, once you redeem a $50 cash back reward, you can win a random cash back bonus up to 19 times the reward – that’s an additional $950! All it takes is a single purchase to earn rewards:
Instant Rewards with First Purchase:
- Free digital movie rental
- Free credits for online video games
- Free ebook from Bob Mayer, Warren Adler or Twin Sisters children’s books
- Free Upper Deck UD Infinite digital trading card
- Free digital page from a new comic book or Hercules library
You only need to spend $2,500 to earn on-track driving lessons with Skip Barber Racing Experience, a $700 value. You can enter to win a free trip to the Bahamas with a Triton Submarine Adventure or get a $4,000 discount off the price of a Henry Cookson African Safari .
Earn points to get digital and printed artwork, like Michael P. Heslop’s legendary golf oil paintings and whimsical prints from Sheep Incognito. Card members can even select limited edition handcrafted baskets from the Longaberger Rewards Collection.
- MovieTickets – Enter a movie caption game contest to win $10 movie ticket vouchers
- Music – Earn a free album from Katie Armiger or songs from Kidz Bop
- Perfume and cologne – Earn free scents and discounts
- Coffee – Monthly shipments of gourmet coffee or tea
- 1-800-Flowers – Spend $500 and earn $20 voucher for flowers, a 4% reward
Use your rewards to give back, by donating to the World Vision USA which supports 10 worthy causes, Toys for Tots, Amnesty International, or the Warrior Canine Connection which helps veterans with PTSD.
How it Works
Every cardholder picks two reward experiences to collect points. Whether that be a private jet flight or a charitable donation, you choose your experience online and start racking up points.
When you pull out the card for a purchase you get to decide at that moment which reward experience you want to divert the points. Simply press the green button or the blue button on the ePlate credit card to make your selection. The card even lights up to confirm your selection was accepted.
When you earn a digital rewards, like ebooks and music, they will be delivered within seconds. New rewards packages are added all the time, and you can change your rewards program anytime on your smartphone or computer.
Cardholders have two options. The ePlateEZ card has no annual fee and provides access to all the reward experiences offered by Dynamics Inc.
The ePlate® card comes with a $99 yearly upgrade fee which lets you earn rewards twice as fast. Every reward experience can be obtained with half as many points, so it’s up to the consumer if they believe the rewards will make up for the added fee.
The cards are issued by UMB Bank based in Kansas City, Missouri and backed by VISA, so they will be accepted at millions of businesses worldwide.
The company is innovative and responsive. Get this, if you post your rewards on Facebook and Twitter, you can earn additional Dynamic credits and chances to win more free stuff.
Why ePlate is Different
This credit card is responsive to the cardholder at the time of purchase, giving the customer more control over their rewards. That means you won’t waste rewards points by putting them towards a package you can already redeem.
For example: Lets say you are at the mall, and your first purchase on the card to buy workout gear earned you enough points for a $50 gift card for Fresh Direct groceries. On your next purchase, at the shoe store, you can put your points towards a week with a personal trainer.
At the time of this writing, there were nearly 50 rewards packages to choose from. Check out these easy charts to track the most used and highest rated rewards programs, and find new programs.
Dynamics Inc. partners with many reward providers at once, providing short and long term goals for customers. Plus, the company prides itself on innovation. Jeff Mullen, CEO and Founder of Dynamics Incorporated and his team have won numerous awards since its formation in 2007.
- APR on purchases are from 13.99% to 17.99% and varies based on Prime Rate
- APR on balance transfers made within first 60 days is 0% for the first year
- But, there is a 3% fee for balance transfers with a $15 minimum
- APR for cash advances is 24.99% and begin on the transaction date
- And, there is a 3% fee for cash advances with a $15 minimum
- Due date is 21 days after the close of each billing cycle
- Late fees do not exceed $35
- Replacing a lost or stolen card will cost $35
Dynamics calls the credit card a flexible computer platform. The card and the reward buttons are said to last three years on a single battery charge and are waterproof. With so many options and customer control, it sounds like a pretty smart card to us.
Credit card reward points can earn you anything from free airline tickets and hotel stays, to gift cards and electronics. But have you ever heard of one that will help you pay your bills?
Wells Fargo does that with the Home Rebate Credit Card. The Visa backed credit card is designed to help people pay down their mortgage with reward points. So every time you use your card for groceries, gas or new clothes – you invest a little more in your home.
How it Works:
Instead of collecting points to get a free trip or cash back, card members collect rewards to pay down the principal on their home mortgage. Every purchase you make, whether it’s for clothes or school supplies, your cell phone bill or a night out – you will be slowly paying down what is likely your biggest debt.
What’s nice about the Wells Fargo Home Rebate Credit Card, is that rebates are automatically transferred as payments towards your mortgage principal. Every time you earn a $25 cash back reward, it automatically applies that reward towards paying down your principal. Sure, it will take a lot longer to see the impact than saving up points for a new iPod. But, your home is an investment and every little bit helps.
Wells Fargo has a special offer to give new card members 3% back on gas, groceries and drugstore purchases for the first six months. That can add up quickly! If you spend
$2,500 a month on your card, you will earn $75 a month in rebates. Over six months, that’s $450 that will come off your mortgage principal.
After the first six months, the Home Rebate card offers 1% cash back on all purchases. That will bring you a $25 rebate for every $2,500 you put on the card. While it may sound like something only high rollers do, consider this.
You can pay most of your bills with your credit card to earn more rewards. Think beyond gas and groceries. Think about your utility and cell phone payments, the guy who does your lawn each week, and your daycare. Even magazines and web subscriptions can also earn you rewards. You just have to look around, you’d be surprised by how many places take Visa cards.
Calculate Your Rebate:
Over time, reducing your mortgage principal means you will pay less in interest and may even be able to pay off your mortgage in less time. It’s easy to determine how much you would save based on your current spending habits thanks to this calculator.
Simply type in your estimated mortgage, interest rate and how much you would put on your credit card each month. Ignore the prompts about applying for a loan and just hit the “Calculate” button. It will show you how much you will save in principal and interest rates, as well as how much sooner you can pay off your mortgage.
Wells Fargo provides this example, showing you could pay off a 30 year mortgage in less than 29 years if you charged $2,500 a month to your Home Rebate Card.
+ 6.25% Interest Rate
+ 30 Years
– $298 Annual Rebate
= $24,425 Total mortgage reduction including rebate, principal and adjusted interest
A bonus to the Home Rebate card is that there is no annual fee. However, you will pay a minimum $5 fee for each balance transfer, a minimum $10 fee on cash advances, and up to $35 for late payments. That is pretty standard for rewards cards.
A huge factor people don’t always consider, is the interest rate on the card. With the Wells Fargo Visa Home Rebate Card, new cardholders get 0% Annual Percentage Rate on new purchases and balance transfers for a full year. That’s a big incentive to switch.
After the first year, the card is like most others, carrying an interest rate of 11.15% – 25.99% variable APR based on the Prime Rate. Cash advances start at 23.99% and are based on your credit worthiness.
Who is Eligible:
The Visa Home Rebate Credit Card is offered as an incentive for new Wells Fargo loan applicants, as well as people who currently have Wells Fargo home mortgages. If your loan is through Citibank or another lender you are out of luck. Also, the credit card can not be used with many other Wells Fargo loans like commercial mortgages, HUD second mortgages and reverse mortgages.
Since the Home Rebate card is tied to Wells Fargo and Visa, it comes with extra features for free. Card members can use it with the Visa payWave, which lets you check out faster at the register by just waving your card in front of a special checkout reader. No swiping and no signing.
Card members can also get Wells Fargo Cell Phone Protection when they pay their monthly cell phone bill with their Home Rebate card. If your phone is stolen or damaged you can get up to $600 to replace the phone with just a $25 deductible.
Wells Fargo also provides Rapid Alerts to your phone if there is suspicious activity on your card and Zero Liability if someone uses your card without authorization. Since the Home Rebate card is backed by Visa, you will also get auto rental collision damage waiver, roadside dispatch and travel assistance.
Like any legal document, you have to read the fine print to see that if you default on your loan or go into bankruptcy you may be disqualified from the rebate program and forfeit your accumulated rebate. That’s also the case if the bank sells your loan, so make sure you read the Terms and Conditions carefully.
A Solid History:
You may have never heard about the Home Rebate card, but it’s not new. Wells Fargo actually introduced the card back in 2007. Back then, the housing market was starting to nosedive and the bank used it as a way for new mortgage applicants to pay down their loan just a little more each month.
Fast forward six years and the America is on the other side of the bubble. The housing market is starting to recover and more Americans are focused on paying down debt. If the card catches on, it would certainly boost the bottom line for Wells Fargo. The bank claims to issue about 30% of all home loans in the U.S., just imagine if every one of them were also making payments on a Wells Fargo credit card.
For people who love to shop at Macy’s, the store now offers their customers different ways to save with their four Macy’s credit cards. Each credit card has its own benefits and they are based on how much you spend at Macy’s each year.
Special Discount for New Macy’s Credit Card Applicants
As a special incentive to get a Macy’s credit card, the store gives an immediate 15 percent off for shopping privileges. Those who are approved get this discount on the day of approval and the day after. There are some restrictions as to what can be purchased and still qualify for the discount, and it cannot be combined with other special offers. Some items may only have a smaller discount.
The Macy’s Credit Card Is Based On Expenditures
The four Macy’s credit cards are based on how you spend each year in the store. The Red Star Rewards credit card is for those who spend from $0 up to $499 annually. The Gold card is for those who spend between $500 to $999 annually; the Platinum range from $1,000 to $2,499, and the Elite is for shoppers who spend more than $2,500 annually.
There are several benefits of having a Macy’s Credit Card. Card owners receive information about Monthly Savings Events, they can make easy returns of merchandise, and they can also manage their account online, which enables you to make a Macy’s credit card payment at any time.
The Visa Versions of the Macy’s Credit Card
For each of the four types of Macy’s credit cards, there is also a Visa version. You can get the Macy’s Visa Credit Card only by going into the store and applying there. Having the Gold, Platinum, or Elite Visa version of the card gives consumers opportunity to be enrolled in the Star Rewards Plus program. This program enables them to get special offers for travel, entertainment and dining, access to limited edition merchandise, special events, and more.
The Macy’s Credit Card Star Rewards Program
Rewards on the Macy’s Visa Credit Cards are given through the Star Rewards Plus Program. It rewards customers with either $10 (Gold) or $25 (Platinum or Elite) Rewards Certificates, depending on the level of card owned. Certificates can only be redeemed in the store. Points earned on the Visa cards range from one to 3.5 percent per dollar spent, depending on the card owned, and they also earn on point per dollar spent anywhere else.
You can qualify for the Star Rewards Plus Program if you already have either a Gold, Platinum, or Elite Macy’s Visa credit card, and if you have spent more than $500 in the store in a year. You will also need to pass their credit approval.
Get Access to the Macy’s Online Service
Once you have a Macy’s credit card account, you can go online and view your information at any time, including information about charges, payments made, and upcoming Rewards. It will also give you access to the Macy’s credit card customer service, as well as the Macy’s credit card phone number. Paper statements can also be obtained through their Website.
The best way to save on any credit card is to pay it off in full when the bill is received. This will help you avoid extra charges (if paid on time) and interest. The Macy’s credit card charges a standard 24.5 percent interest rate on all its credit cards.
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