September 12th, 2009 ccblogger
The Simmons First Visa credit card is one of the best credit cards on the market today. You can choose between the Simmons First Visa Platinum credit card or the Simmons First Visa Platinum Rewards credit card. Either way, you are sure to be ahead of the game.
The main difference between the two cards is that the Simmons First Visa Platinum card comes with a low interest rate of 7.25%, while the Simmons First Visa Platinum Rewards card comes with a slightly higher interest rate of 9.25% with added rewards.
The Simmons First Visa Platinum Rewards credit card was designed for individuals with excellent credit. Sometimes, people with excellent credit are just given the option of receiving a low interest rate or rewards…not both. Simmons First solved this dilemma by offering the Simmons First Visa Platinum Rewards card.
For every dollar that is spent, you will receive 1 point. Points can be accumulated quickly depending on how much you use your credit card and how determined you are to save those accumulated points. Points can be redeemed for airline tickets, hotels, vacation packages, cruises, car rentals and restaurants.
The nice thing about reward redemption with the Simmons First Visa Reward card is that your points can be redeemed for tickets on any U.S. based airline. These tickets don’t have any blackout dates. You can also choose between first-class tickets or coach tickets. You sit where you want and use how ever many points you want.
All you need to do is decide which is more beneficial to you and your family. A slightly lower APR or rewards. Being able to take advantage of such incredible rewards and only pay a 9.25% interest rate is virtually unheard of. If you are looking to go on vacation or get just a little something more from your credit card, you seriously need to consider the Simmons First Platinum Visa Rewards card. You’ll be glad you did when you receive those credit card statements. You’ll see the amount you owe decrease while the points you earn increase.
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November 20th, 2008 Admin
The Worst Department Store Credit Card
What is the worst department store credit card? Sears. Sears. Sears. Sears. Sears. Have I made myself clear? Sears has a fantastic way to sucker people into opening one of their fabulous credit card accounts and then keeping them attached to it for years on end.
Off the top of my head, I know at least five different people that stopped shopping at Sears years ago. However, these five people are still making payments to the department-store-giant. No, these people didn’t get over their head in Sears debt. Rather, Sears has a way of enslaving innocent consumers to their Sears credit card account.
Sears has the highest interest rate of any other department store. Sure, they offer a huge selection of different products. But, if you are going to end up paying $100 in interest on a $50 product, is it really worth it? Not to mention, Sears has recently teamed up with some pretty (excuse me here for a second) sketchy stores. Its new main sister store is KMart. Has anything of value ever come from KMart? Just checking.
Sears may have been worth it years ago, but probably not. It is so much more advantageous to use a reward credit card. You aren’t limited to buy things from one particular store. Instead, you can earn points for free merchandise at many different stores. After all, Sears can’t provide ALL of your shopping needs. Wal-mart can’t even do that. It makes more sense to use a credit card that has a much lower interest rate and one that will actually benefit you later on.
Don’t get a Sears card. It is the worst one out there. If you already have a Sears card, cut it up into teeny, tiny pieces. If you’ve already done this, pay off your balance a.s.a.p. Get a reward credit card. You will save a great deal of money and you’ll earn free merchandise in the process.
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November 18th, 2008 Admin
Thankfully We Had Reward Points
Every year, my in-laws come from the East Coast to visit us several times. Since we almost live on the other side of the country, it takes them a solid day’s worth of airline travel to finally arrive where we live. My in-laws always enjoy coming to visit us and other family, but as they continue to get older, the hassles and time required of airline travel to visit us seems to get worse with each visit. They experience long layovers and delays on a regular basis and going back to their home, after they have visited us for almost two weeks, always seem to result in some small travel nightmare.
On the last trip to visit us, it was no exception for my in-laws to experience another piece of airline travel hell with long layovers and a delay that would have stranded them. They try to avoid traveling during the winter months, since that obviously increases their chances of delays and travel difficulties. However, even when they visit in the summer time, something always seems to happen. This time, they were going to be stranded at JFK Airport in New York City for the night due to some kind of delay. It was already late at night and with no place to go, my in-laws in their 60’s would probably end up sleeping in a dingy airport terminal.
For almost two years now, my wife and I have exclusively used a rewards card to make almost every purchase. As a result, we’ve been able to accrue a sizable amount of reward points that we’ve used for hotel stays and airline tickets. We always try to have credit card rewards points available in an unfortunate situation like the one my in-laws were in to use if necessary. While my in-laws anxiously waited in that JFK terminal, I was able to contact a hotel who had a room and free shuttle available between JFK airport and the hotel’s location. This would allow my in-laws to stay the night in a clean, comfortable hotel room instead of the dingy airport terminal. Before I booked the room for them, they had gotten word that they would not have to stay the night in New York and that the airline had made arrangements for a departure within the hour.
Even though we did not have to use any reward points for my in-laws that night, it was convenient having the points to use if necessary. If you, a family member or friend ever gets into a situation where they are stranded, need help or otherwise, having those reward points available can be a relief in a difficult situation. Find a reward credit card that fits you and your lifestyle best.
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