Best Credit Cards for You!

Even if you do not have great credit, you can still apply for credit cards. There are credit cards for every different types of credit. If you are considered to have a fair credit score, you will still be able to take advantage of the many different credit cards that are available to you. Capital One No Hassle CashSM is one of the best credit cards that you can have for fair credit. You will still be able to get cool bonuses, such as 2% back on gas and groceries, and many more.

Another credit card that you can consider having for fair credit is, Citi Forward Students credit card. One of the best offers that come with this credit card is the fact that you will receive 0% apr on the first 7 months that you have your account open. Students can use this card to cover many expenses that relate to school. Another credit card for fair credit, is the Discover student card.

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Tags: Credit, Credit Card, Fair Credit

WASHINGTON, D.C. — According to the 12th Annual CFA-CUNA Holiday Spending Survey, more consumers are worried about their finances than those who are comfortable with their finances. The worry is directly attributed to the worst financial crisis facing America since The Great Depression. Many consumers reported that their finances are in worse shape than they were this time last year or the year before.

The survey was conducted nationally with 1,011 adults reporting between November 10^th and November 13^th.  About 37 percent of those adults surveyed revealed that their financial situation was worse off than it was year ago, while 30 percent said that their financial situation had improved.

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Tags: Finances

There was some good news for Business consumers who use Bank of America Merrill Lynch accounts for their travel expenses as the bank announced that they will be making European transactions easier in the coming year.

A pilot program has been declared a success and the subsidiary of Bank of America is now set to roll out Chip and PIN cards to their business customers early in 2012. The chip and PIN system is fast becoming the global standard and is taking the place of the magnetic strip on most credit and debit cards across Europe and the rest of the world. The exposed EMV microchip is inserted into a payment terminal and the consumer is asked to key in a PIN (Personal Identification Number) to verify the transaction.

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Tags: America, America Launch

When should you use your debit card versus credit card? First, what is the difference between them? A debit card is connected to your checking account and is considered cash. A credit card is not connected to your checking account and you pay at a later time.

Debit cards are more convenient to carry than cash. You need to make sure you record everything you spend, so you dont bounce checks and incur fees.  Since debit transactions are taken out of your banking account almost immediately, there is no float period.  If you have a dispute on merchandise, it is much more difficult to negotiate because the merchant has received your money, and debit cards don’t have dispute processes like credit cards.

There are some places you may want to use a credit card instead of a debit card.  I have listed seven below:

Travel   Travel examples are airfare, travel packages and cruises for which you pay in advance for future travel.

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Tags: Card, Debit Card

Crescent Bank & Trust is offering an incredible CD rate special for a 25-month CD term at 1.75% APY. With the regular fluctuations of interest rates these days, snatching up a high-yield CD rate is the best move for your money. In a little over a year, your funds can grow at a pace that help you reach your financial goal faster.

CD Rate Terms and Conditions

To qualify for this CD rate, customers must provide an opening deposit of $5,000. Customers have the option of reinvesting dividends into the CD account, depositing dividends into a Crescent Bank & Trust checking or savings account or receiving dividend payment via check. If dividends are credited to the account, interest is compounded and paid quarterly.

About Crescent Bank & Trust

Crescent Bank & Trust upholds a mission to provide its customers with a noteworthy banking experience each day.

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Tags: Apy, Cd Rate, Crescent Bank