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Credit Score is Important - It can save you thousands of dollars

Your credit score determines the interest rate you pay on loans. The higher y our score the lower interest you pay. You can raise your credit score by building up tradelines with credit cards, auto loans, mortgages etc.

You can obtain a credit score free here to start the process of either rebuilding your credit or improving your credit score. After you obtain your credit report you will want to verify that everything is accurate.

If you have bad credit our orchard bank mastercard can get you started on rebuilding your credit. If you already have good credit browse our low or 0% apr credit cards to transfer your higher balance, high interest loans to a 0% annual fee card today.

Apply for Credit Card Offers 

These are credit card mail and tv offers, you don't need to be preapproved to apply!

www.getmyvisa.com - Visa Cards

www.Mydiscovercard.com - Apply for Discover® Cards

www.orchardapply.com - Apply for Orchard Bank Cards

www.mychaseplatinum.com - Apply for Chase Platinum Cards

www.chase.com/freedom - Apply for Chase Freedom Card

www.orchardbank.com - Apply for Orchard Bank Cards

www.americanexpress.com/one50 - Apply for American Express One Card

openroad.discovercard.com - Apply for Discover® Open Road Card

www.open.com/rsvp - Apply for Open RSVP Card from American Express

www.open.com/gold - Apply for Open Gold Card from American Express

www.americanexpress.com/choosebluenow - Apply for American Express Choosebluenow Card

www.americanexpress.com/myblueoffer - Apply for American Express Myblueoffer card

www.americanexpress.com/goldrewards... - Apply for American Express Gold Rewards Card

www.mycardmyway.com - Apply for Advanta Business Cards

chase united mileage plus signature - Apply for Chase United Mileage Plus Visa Card

www.chase.com/disney - Apply for Chase Disney Visa Card

www.americanexpress.com/psfyf50 - Apply for One from American Express Card

www.americanexpress.com/applyforcard - Apply for American Express Business Card

www.americanexpress.com/10kspg - Apply for American Express Starwood Card

www.thecard4you.com - Apply for Discover® Card

www.mytributecard.com - Apply for Tribute Credit Card

www.gas.discovercard.com - Apply for Gas Discover® Card

www.hbaccept.com - Apply for HSBC Credit Cards

www.thecardforyou.com - Apply for Discover® Platinum Cards

www.acceptourcard.com - Apply for HSBC and Orchard Bank Cards

www.newchevrontexacocard.com - Apply for Chevrontexaco gas cards

www.chasecreditcard.com - Apply for Chase Credit Cards

www.mynewcard.com - Apply for Bank of America Credit Cards

www.getmastercardnow.com - Apply for mastercard offers

www.alaskavisanow.com - Apply for Bank of America Alaskan Airlines Card

www.platinumbusinesscard.com - Apply for Platinum Business Cards

www.applychase.com - Apply for Chase Visa Platinum

mydiscoverbizcard.com - Apply for Discover® Business Cards

www.discovercard.com/student - Apply for Discover® Business Cards

www.cardsoffer.citicards.com - Apply for Citibank Credit Cards

www.chasefreedomnow.com - Apply for Chase Freedom Card

cardsonline.chase.com - Apply for Chase Cards

mycapitolonecard.com - Apply for Capitol One Card

applytoday.com - Apply for Advanta Business Card

americanexpress.com/fyfgold1 - Apply for Preferred Rewards Gold Card

americanexpress.com/hiltonaccept19 - Apply for Amex Hilton HHonors Card

miles.discovercard.com - Apply for Discover Miles Card

applybluesky.com - Apply for Amex Blue Sky Card

miles.discovercard.com - Apply for Discover Miles Card

mylifemycard.com - Apply for
American Express Card

drivercash.com - Apply for Gas Rewards Cards

chasecredit.com - Apply for Chase Credit Cards

applyclear.com - Apply for Amex Clear Card

unitedmilageplus.com - Apply for United Mileage Plus Cards

platinumoffer.com - Apply for Bad Credit Cards

acceptmycard.com - Apply for Credit One Bank Cards

www.american expres.com - Apply for American Expres Cards

cheveron.com - Apply for Cheveron Gas Cards

horizongoldcard.com - Apply for Horizon Gold Card

chase.com/pier1card - Apply for Chase Pier1 Card

sendvisa.com - Apply for Visa Bad Credit Cards

newvisacard.com - Apply for New Credit Visa Cards

value.universalcard.com - Apply for Citi AT&T Universal Card

chase.com/amazon - Apply for Chase Amazon Cards

Inventmycard.com - Apply for Advanta Business Card

Equifax.com/Save - Protect yourself from identity theft

Getmycard.com - Apply for Capital One Visa Card

MyplatinumVisa.com - Apply for HSBC Credit Cards

BPChase.com - Apply for Chase BP Gas Card

1800skymiles.com - Apply for American Express Delta Skymiles Card

AnneGeddesVisa.com - Apply for Anne Geddes Visa Card

Newcardonline.com - Apply for Bank of America (BofA) Visa Platinum Plus

Tributecreditcard.com - Tribute Credit Card Offer

Myrewardscard.com - Apply for HSBC Credit Cards

GMFlexcard.com - Apply for GM Flex Card Visa

Capitalone.com/Cardlab - Capital One Card Lab Offers

Chase.com/Credit cards - Apply for Chase Credit Cards

Creditexpert.com - 3 in 1 Credit Report

Cfcapply.com - Continental Finance gold

Mycredittoday.com - 660 Rewards Visa

Newbpvisa.com - Chase BP Visa Card
AmericanExpress.com/Cards - American Express Card Offers

Visa Platinum Preapproved Offers 

800thecard.com Preferred American Express Cards

Apply4bluesky.com Blue Sky from American Express

Firstequitycard.com - Platinum Businesscard offers

Open.com/Smallbusiness American Express Business Credit Cards

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Gas Credit Cards 

Save some money at the pump with cash back on gas purchases

It appears that consumers are using their credit cards more than ever now to fill up their gas tanks, due to skyrocketing gas prices. The average price per gallon is just under $3 and a barrel of crude oil is at a record $77 a barrel. With war in the middle east, analysts are predicting $4 a gallon, and soon.

Financial analysts also concluded that many consumers were relying on credit cards for large purchases since a declining real estate market and rising interest rates made home equity loans less accessible and more expensive.

Credit times has a variety of gas credit cards available here

The Link List 

Creditimes Blog
The most up to date informative blog regarding credit scoring, credit reports and offers and values on credit card applications
Creditimes Blogger
Visit creditimes blogger and get updated reviews of the latest credit cards and features of gas, cash back, rewards and travel credit cards
Creditimes Wordpress
The official wordpress creditimes blog, when blogger, and squidoo aren't enough
Freebie Board
Links to free samples online and via snail mail. Join the board and post your freebies
Rewards Credit Cards
Find the best rewards credit cards online here, apply securely with cards from Chase, Discover, American Express, Citibank, Bank of America and more.
Yahoo Credit Times Blog
Get up to date credit card deals and specials with the yahoo creditimes blog.
Credit Card Applications
Credit times news and applications. Apply for low interest credit cards, or bad credit cards for rebuilding credit.

Rebuild your credit takes time, improve your credit score 

The long road to improving your credit score will reduce so many headaches

Coming from someone who has been there, I can tell you first hand that bad credit takes time and responsiblity to repair and rebuild. In 1999 I filed bankruptcy after losing my job and tons of medical bills from a car accident. My credit was shot, I barely had any money and couldn't get a car loan for less than 18%.

Immediately after filing bankruptcy I new that I would need to rebuild my credit right away, to get my credit scores up as the years go by. The first card I applied for was the Orchard Bank Classic Mastercard. They gave me a small intial limit ($300) but they reported to all 3 credit bureaus and helped establish my credit by paying on time.


After a few months of paying on time, I decided it was time to get a bad credit auto loan. I was approved for a car through Capital One Auto Finance and my rate was a bone crushing 18.99%. They told me to pay this for six months or so and refinance for a lower interest rate. I did exactly that, and after approximately 8 months I refinanced my auto loan down to 12%. I was making progress and my credit score was getting better.


At this point I am about 18 months post bankruptcy and I have 2 solid tradelines one from a credit card and the ever important installment loan. I am back off my feet and I have a solid job, my credit is looking on the up and up, and mortgage interest rates are at an all time low. I come to find out that I can qualify for a conforming home mortgage after 2 years post bankruptcy, this is great as rates are in the 5.75-6% range! If your shopping for a home mortgage, whether its for good credit or bad credit, I used and recommend CompareLenders.com they can find lenders that aren't as strict as your regular state bank or national bank.


I look for houses and find the one I like. My mortage broker pulls my credit and my scores are all in the 660-680 range which is pretty good post bankruptcy. I end up getting a

Discover® More Card - Earn Cash Back 

Up to 5% cash back with the Discover® More Card

One of the best cash back credit cards issued today is the discover® more card. This card has been around for quite some time and offers a generous 5% cash back reward on purchases. Not only that but the discover® more card has no annual fee, $0 liability on fraudulent purchases.

Discover® More Card is one of the cash reward credit cards operated by Discover Financial Services, a business unit of Morgan Stanley. The card offers a number of benefits to the user.

Discover® Platinum CardYour cash rewards with the discover platinum are unlimited and they never expire, so you don't need to use them within a year or so.

Looking for more discover credit cards? Click Here

As far as security goes, discover card takes security very seriously. Special alerts are given anytime discover feels your account has been compromised. Discover also issues secure online account numbers, that only you can view through your username and password. 24/7 fraud specialists ready to answer your questions and help you out.

Discover Financial Services a variety of other cards including the Discover Gold Card, the Discover® More Card, The Miles Card from Discover Card and an array of affinity cards. These cards, intended for meeting the different needs of people, have several benefits and incentives.

No other card rewards you like the Discover® Platinum Card. Enjoy a 0% Introductory APR* for Purchases and Balance Transfers for 12 months and earn 5% Cashback Bonus® on Get More Program purchases throughout the year and up to 1% Cashback Bonus® on all your other purchases*. Plus, for your peace of mind you'll have a $0 fraud liability guarantee and pay no annual fee. You also have the option to DOUBLE your Cashback Bonus® (turn $20 into $40) when you redeem for gift cards or certificates from many of our 60 brand name partners. APPLY NOW!

It is suggested that if you are applying for any

Credit Cards Rewards 

Find the right rewards credit card and start earning points and cash.

A great website out there that can get you the right kinds of rewards in a credit card is the site http://www.cardrewards.net

They break down credit cards by types such as discover, chase, bank of america. They also break down credit cards by rewards such as a gas credit card reward or a cash back credit card reward card.

Most cards offer points or cash back on the rewards and an introductory apr of 0% for 6 to 15 months. These cards are aimed at those with good to excellent credit.

Even if you have bad credit http://www.cardrewards.net has sub prime credit cards including subprime rewards cards.

The site also breaks down the intro apr period, the points/cash rewards info, if (or if not) there is an annual fee etc.

Visit http://www.cardrewards.net today for the rewards credit card that works for you!

Credit cards for people with poor credit 

Is there any hope for us people with poor credit? Absolutely! If you read my other post about rebuilding your credit, you will find that with some time and responsibility will get you there. But what about the catch-22. You get denied credit because you have poor credit, but you can't rebuild your credit if nobody will give you a credit card.

Having bad credit history would mean keeping you from the ability to make loans for home or car mortgages, rent an apartment and even prevent an individual from getting hired. This is because many employers view of owning a bad credit is the lack of responsibility.

There are several cards and solutions out there to get you on your way to rebuilding your credit even if you have poor credit. The first thing I recommend is opening up a secured credit card account. This is a credit card that you will need to deposit funds into (yes you earn interest) and the amount of funds you deposit is your credit line. You will want to make sure that the cards report to all 3 credit bureaus, to turn your poor credit into at least a good credit. I have researched several secured credit cards and the ones I recommend you look into are Orchard Bank, which has a secured and unsecured card, Tribute MasterCard® Gold Low credit score OK! Reports to the Major Credit Bureaus, Quick Online Decision. The other secured card I recommend is NMB or New Millenium Bank, gold card status, no credit checks, reports to all 3 credit bureaus, up to $10,000 in credit.

The nice thing about these secured cards is, especially if you don't have a credit card at this time, is that you can pay at the pump, purchase online with your card, make reservations etc. Things you cannot do without a card. These secured cards are accepted anywhere visa/mastercard are accepted. Another cool feature, is you can load the cards through direct deposit through

Chase platnum and Chase busness credit cards 

Apply for your favorite chase busness card and the popular chase platnum

http://www.creditimes.com is offering two new pages of credit cards issued by chase bank. The chase busness credit card which can be applied for at http://www.creditimes.com/chase-busness-cards.html offers features and links to the application page.

The 0% intro apr chase platnum card can be found at http://www.creditimes.com/chase-platnum.html and there are features as well as the free application page for you there

Book lovers earn points with the Chase Borders 321 Visa Card 

Waldenbooks.com Walden books, borders.com and borders express

Waldenbooks / Borders 321 shoppers can earn points towards their favorite books. When you apply for the Chase Borders 321 Visa card you get 1,000 points after the first eligible purchase, along with 3 points for each dollar spent at Borders®, Borders Express, Borders.com, Waldenbooks® and Waldenbooks.com.

In addition you earn 2 points for every dollar spent on eligible Gas, Dining and Grocery purchases.

For any other purchases you earn 1 point for each dollar spent. There is no cap on the amount of points you can earn, and you can redeem points for cash or rewards.

View the application page here.

Getmyvisa.com Preapproved Visa Mail Offers 

August 30th, 2007

Looking to apply online for your Preapproved Visa offers you received in the mail or online. www.getmyvisa.com pre-approved visa offers can be applied for directly at the creditimes.com website.

You can apply for the Chase card, discover card, bank of america card, citibank card, american express card or the gm flex card issued by hsbc credit card services.

Visa Platinum® Application Get the Credit Card That's Just Right for You! 0% APR Credit Cards. Instant Credit Cards. Chase Credit Cards %u2026 current offers from www.getmyvisa.com, MasterCard®, Discover®, and American Express®.

See also http://www.cardrewards.com/getmyvisa.php

www.creditcardsatchase.com 

Preapproved Chase Credit Card Offers

Www.creditcardsatchase.com Credit Card - Apply Online for Credit Card. Compare Credit Cards & Credit Card Offers. We invite you to take advantage of the other great credit. card programs at www.creditcardsatchase.com

WWW.CREDITCARDSATCHASE.COM - Your preapproved chase offer.


Chase Visa® Platinum Card


  • 0% Intro APR for up to 12 months

  • The time period for the introductory APR and the balances to which it
    will apply will be based on our review of your application and credit
    history

  • No Annual Fee

  • FREE Online Account Access

  • FREE travel services including Auto Rental Collision Damage Waiver and Worldwide Travel Accident Insurance

  • Apply Now!



Browse categories of cards like Travel Rewards, Auto & Gas Rebates, Cash Back and more


Chase Freedom Cash


  • Earn 3% Cash Back for every eligible $1 spent in purchases at:


    • Grocery Stores: Stock up on food, household goods and more

    • Gas Stations: Use your card for fuel, repairs, car washes, and other purchases

    • Quick Service Restaurants: Rewards add up fast from pizza to hamburgers to ta

Best Credit Cards for Airlines Miles 

Delta Skymiles, United Mileage, World Perks, AAdvantage, Continental World Mastercard

When choosing a credit card for airline miles and rewards, the list seems to get bigger and bigger every day. But which ones are the best ones and what should you look for when applying for a miles credit card.

Several factors play a role as to whether or not the miles are worth anything. For example, if a miles card comes with a $129 annual fee, and you could use your miles for a $150 flight, you only save $21. Does the credit card let you choose which airlines you can fly on, or are you stuck flying with them? There may not be flights in your area, or non-stop flights may not exist where you live, so convenience plays a role. Will the credit card company offer you a 5,000 or 10,000 bonus miles on your first purchase, or can you earn double or triple points with certain merchants or purchases.

The website http://www.cardrewards.net has comprehensive data for comparison of airlines miles cards. Each card has the annual fee, annual percentage rate, how miles are awarded, as well as how to redeem miles/points.

The Chase Flexible Rewards Platinum Visa Card offers a 0% introductory APR for 6 months, with no annual fee, and you earn points towards airline tickets, hotel stays or car rentals when you travel. Since it's a flexible card, you can redeem points for other items such as merchandise, cash back and gift cards as well.

The Miles by Discover Card offers a 0% intro apr for 12 months, with no annual fee. They credit you with double miles on purchases related to travel or dining purchases. Miles are unlimited and never expire. You are free to use your miles on any airline, travel agent, or online travel site.

The Chase United Mileage Plus Signature Visa Card offers 20,000 bonus miles after your first purchase. However there is a $60 annual fee, and no 0% APR intro period. You earn 1 point for every $1 spent with a $60,000 cap. You also get a Free One-way, 1,000 mile, One-class Upgrade Certificate.

The Blue Sky from American Express offers 0% intro APR for 6 months, there is no annual fee. Redeem points to save on any airline, hotel, rental car or cruise - no blackout dates or travel restrictions. Earn 1 point for every dollar you spend. Protection when you travel including Travel Accident Insurance, Buyers Assurance Plan, and Return Protection

You can compare all airlines miles rewards credit cards at http://www.cardrewards.net/ai

Chase.com/Pier1card featured Chase Pier1 Rewards Card 

Earn rewards points towards Pier 1 Stores

Introducing the Chase Pier1 Visa Card. Full details can be found at Chase Pier1 Visa

Earn 4 Pier 1 Points for every eligible dollar spent at Pier 1 Imports
Get a $20 Pier 1 Rewards Certificate every time you rack up 2,000 Pier 1 Points
Enjoy members only savings and discounts all year long
Every eligible Pier 1 purchase rewards you!

Apply directly at www.chase.com/pier1card today

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Appyblue.com American Express Blue Cash Credit Card 

www.appy blue.com

appyblue.com - http://www.creditimes.com/appyblue.html

Apply Online for Credit Card Blue From American Express. Blue from American Express featuring low apr and an online application. Blue from American Express® is an ideal credit card for those with good credit who already have an established credit history
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