Credit Card Rates as Low as 8.75%

Wouldn’t it be nice to have a credit card with a low rate? Low rate credit cards are few and far between these days, especially after the collapse of the American credit industry.

Wouldn’t it be nice to have a credit card with a low interest rate? How low? 8.75%. I bet you’ve never heard of a credit card with that low of an interest rate. That low of an interest rate is only seen on mortgages and auto loans, right? Wrong.

The IBERIABANK Visa Select card allows people with excellent credit to take advantage of a low interest rate. Consumers with excellent credit are finally given some real benefits and options with the IBERIABANK Visa Select card.

The IBERIABANK Visa Select comes with an automatic 8.75% interest rate. That means that your interest rate will always be Prime plus 5.5% throughout the life of your account. This card also comes with a specialized introductory period unlike many others. The IBERIABANK Visa Select’s introductory period comes with a 8.75% APR on all balance transfers for the first twelve billing cycles. In addition, balance transfers do not come with a transaction fee, ever.

This Visa comes with a $45 annual fee. That is such a small price to pay for such incredible credit card features and options. In fact, you would spend much more than that on interest payments with a different credit card with a much higher interest rate.

The IBERIABANK Visa Select card proves that the lender trusts its customers. It offers them an incredible and unheard of low interest rate. It offers them a fixed interest rate (also virtually unheard of). It offers them free online account management resources. It offers them a 25 day grace period.

Credit card offers like this simply don’t exist. If you have excellent credit, it is time that you are rewarded and take advantage of this incredible offer. You deserve to have a fixed interest rate credit card. You deserve to have a credit card with an interest rate of 8.75%. You deserve the IBERIABANK Visa Select.

Be sure to check out other IBERIABANK credit cards designed for applicants with excellent credit.

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The White House Reveals the Housing Plan

There has been a lot of debate concerning the housing bailout plan. Many details of this plan have not been revealed…until now.

Details about exactly “who” and “when” are now being released by President Obama and his administration. The new plan is geared to help over 9 million homeowners stay in their homes. How will this happen? Struggling homeowners will be able to refinance their mortgages into new mortgage programs that have lower monthly payments.

This new program, also know as the “Making Home Affordable” program, has already been extremely popular among homeowners. Many homeowners, who have been struggling for several months, say that the new program is welcomed news.

Here’s an interesting point to consider however. Homeowners who have been hit the hardest by the crash of the housing market won’t be affected by the bailout plan. That’s right…homeowners who own their primary residence in Arizona, Nevada, California and Florida aren’t likely to qualify for the “Making Home Affordable” plan.

The Obama administration and other government officials predict that “tens of thousands” of homeowners who need the help the most, won’t be able to qualify for it. Instead, the housing bailout plan is only a small step in the right direction. The Obama administration has made it very clear that the plan is targeted to help “responsible” homeowners.

There is another factor to consider, here’s the marketing analytics: not every bank and/lender is going to be participating in the program. However, the plan is twofold. One aspect of the plan deals directly with banks and lenders. Up to 4 million homeowners will be assisted in this aspect because the government will work with the lender to modify existing troubled mortgages. The government will also work with the other 5 million homeowners to refinance their existing mortgages into more secure, fixed-rate loans.

Here’s what you need to know if you are interested in this program:

1. Eligible homeowners must provide a copy of their most recent tax return
2. Eligible homeowners must provide two of their most current pay stubs
3. Eligible homeowners must provide an “affidavit of financial hardship”
4. Eligible homeowners can only have their mortgage modified one time
5. The loan modification program runs from March 4, 2009 until 2012
6. The loan modification program affects mortgages made on or before January 1, 2009
7. Single-family residences that are worth more than $729,750 are not eligible for the program

Finally, there are some specific details about President Obama’s housing plan. If you are a homeowner that is struggling to make your mortgage payment, check into the details of this plan. This could be just what you have been waiting for.

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