Simple Secrets that Banks don’t want the rest of us to know And Get the Best Platinum Credit Card! ADVERTORIAL Some not so Secret Tips […]
Save Money on Gas
Did you know? Cash-Back programs on some credit cards will pay you a rebate of 3% or more on your gas/fuel purchases!
Find the Best Gas Card, that will Save you Time and Money, Slash Your Fuel Costs Now!
Get the Best Gas/Fuel Credit Card!
Gas credit cards are now available from almost every gas station it seems. Why would you choose one over an ordinary card?
We’ll spill the beans on how you can get the best card with the best rates with the best terms. No more second guessing yourself.
Here are a few tips that Banks won’t tell you about and Enjoy Gas Savings.
- Quit pointing the finger and take a true self assessment of your financial situation. Then get a grip on your credit priorities and start a financial plan for success.
- Knowledge is power -Knowing your credit score is the first step towards building outstanding credit.
- Take ownership because the Credit Card Companies don’t want you to be smart about things, in fact they are banking you don’t follow through and that you are just too busy to deal with them.
- Keep track of your personal credit score Get to know and love your credit score.
- Understanding Credit Scores –If I told you your credit score was and A or a B or C or D or an F, you’d get that wouldn’t you? But was does a credit score between 300- 850 mean? Here’s our tip, understand the numbers and if your below 600, you have a lot of work to do.
Excellent Credit: 750+
Good Credit: 700-749
Fair Credit: 650-699
Poor Credit: 600-649
Bad Credit: below 600
Guide To Gas Rebate Credit Cards
Looking for a way to cut back on your gasoline expenses? You could learn to drive at 55 – the speed which most experts say is the most economical on gas. You could trade in your car for a model that guzzles less of the expensive elixir. You could leave your car at home 10% of the time.
Or you could do your credit card purchasing with a credit card that offers you gas rebate rewards. With the cost of gas spiraling through the roof with a speed it hasn’t had since 1972, gas rebate credit cards are becoming a more and more popular option for people looking to save a little money at the pumps.
And it’s no wonder. With the average cost of filling your gas tank hitting $30 and up, saving as much as 10% every time you fill up is a powerful incentive to abandon 1-5% cash and reward point rewards in favor of a credit card that pays you back in gas. To make the deal even sweeter, many of the best deals are on standard credit cards that will pay you a rebate on any brand of gasoline that you purchase.
The rebates range from 3% to 10% cash back on your gas station purchases. They’re paid out by a variety of methods including gift cards, discounts on other purchases and credits to your account. Of them all, the cards that apply the gas rebate directly to your existing balance seem to make the most sense on the surface. By applying the rebate amount to your existing balance, you’re also lowering your monthly interest payment by lowering the amount on which the interest is charged.
Among the credit cards that offer rebates on any purchases made at any gas station, the AAA Diamond Advantage Visa from MBNA appears to be among the best. It offers a 5% rebate on any brand of gas purchased, plus one reward point for every dollar spent. The reward points are automatically applied to your account. When you earn 5,000 points, the company issues a $50 gift certificate for AAA services.
If you’re willing to confine your purchases to one brand of gas, you can earn 10% off all Marathon purchases for the first 60 days followed by a 5% rebate for fuel purchases thereafter. Shell MasterCard, issued by Citibank offers 5% rebate on gas purchases and 1% rebate on general purchases. The amount saved is credited to your card statement every month. In addition, each year that you make 9 or more purchases of Shell Gasoline, your annual fee of $20 is waived.
Your best bet in choosing a gas rebate credit card is to study all the offers and figure out which works best for you. Gasoline is one of the larger monthly expenses for most people. Being able to cut your gasoline bill by 10% or more per year is certainly worth doing a little credit card research before making a choice. Don’t forget to average in the credit cards that aren’t specific to gasoline rebates. A standard credit card with a great cash-back program AND a rewards points system could be your best choice of all
How Gas Credit Cards Work, Compare Offers
It seems like every gas station in the nation now has applications on the counter for a gas credit card. While many people may think, “Why bother, I already have a credit card,” gas cards today also frequently offer member bonus features like regular credit cards, including airline miles, cash rebate systems, discount offers with participating merchants and affordable roadside assistance programs. Often, gas card plans will approve accounts for individuals who don’t qualify for a good deal on a regular credit card account, also making them a great option for people who need to build their credit rating.
If you’re looking to build credit, your options may be somewhat more limited. But if you use your gas card regularly, and pay it off at the end of every month, you’ll soon find that you’re able to negotiate a better interest rate with your existing card, or even apply successfully for a card with a better benefits package. However, keep in mind that gas cards often have much higher interest rates than a regular credit card would, so you should always make sure you can afford to pay your balance on a monthly basis, to prevent exorbitant interest charges.
If you have driving-age children living at home, a gas card is a great way to ensure your kids don’t end up stranded with an empty tank, while at the same time knowing that a regular credit card won’t get taken on a “joy ride” by their friends. A roadside assistance benefit can give you extra peace of mind, knowing they won’t have to rely on the assistance of strangers if the car breaks down or gets a flat tire.
If you have a particular gas station you visit regularly, getting a gas card from that company would be a good choice, particularly if it offers an incentive program based on frequency of use, such as airline miles per dollar spent, or a coupon or rebate program. If you travel a lot, choosing a gas card for a major nationwide chain of gas stations may be more useful than one that’s branded for your neighborhood station.
A gas card with a roadside assistance option may be an affordable alternative to a premium roadside assistance plan such as AAA. There are as many options in gas cards today as there are reasons to apply for one, so don’t hesitate to comparison shop to find the best benefits package for your needs!
Other Types of Credit Cards
BALANCE TRANSFER LOWER CREDIT CARD RATES
Low rate credit cards do exactly as the name suggests – they charge a lower interest rate on your outstanding balance than other cards. Sometimes this low initial interest rate will be fixed, but often it is only offered for a limited amount of time, possible only for six to nine months. Make sure that you read the fine print before choosing a low interest card.
Credit cards that come with rewards program will offer you various incentives for spending. They usually give either cash back on purchases that you make, or points which can be traded in for airfare, hotel stays, gift certificates, car rentals, or a variety of other rewards.
How to Save Big Money with a Gas Station Credit Card
The average American spends over $2000 a year on gas alone. Gas and fuel is a billion dollar industry. How can we save on gas? There are the usual tips offered to you such as keeping you vehicle well maintained, changing your oil regularly, using public transportation, packing light and combining all your errands into just one trip daily. Unfortunately, obeying these procedures still doesn’t save you enough cash.
Another less known but highly effective opportunity to save is to apply for a gas credit card. There are many benefits of a gasoline credit card that can aid in the amount that we spend solely on gas. Most gasoline credit cards offer cash back and discounts, convenience, reward programs, and a great way to build or rebuild your credit history.
Some gas credit cards offered by well established companies such as Chase, Visa, MasterCard, or Hess offer cash back and discounts on gas purchases which can add up throughout the year to save you big bucks.
Signing up for a gas credit card can also bring you all the conveniences of any regular credit card. You can use them anywhere that accepts credit cards and you don’t have to carry cash around for your big purchases anymore. Most gas stations now even have express lanes where ONLY direct payment or gas cards are to be used. Now that is what I call convenience!
We’re all pretty familiar with earning points for specific stores when we shop at their locations. With most gasoline credit cards, you can earn points wherever you use your card. Earn points and treat yourself to a prize reward, or better yet, redeem them for cash off your gas bill!
What if you have a bad credit history? Gasoline credit cards are a better option than bank credit cards for this purpose because gasoline credit cards have a higher approval rate. Applying for a gas credit card is definitely a good choice for anyone who might have a bad credit history and wants to save on gas.
Once you have decided that you want a gas credit card, applying is easy! Compare credit cards online, then fill out a safe, secure application.
More Secrets they don’t want ….
6. If you are going to be late, call your credit card company communication is key, they will work with you. keep an eye on those interest rates.
7. Check the things you can check – When you get your credit report, a lot of the information will be Greek to you, tackle the easy things, check for spellings of names, is that really you? For example if your name is Mary Mary, but you see a report that says Merry Merry was late 27 times on making her credit card payments, notify the credit reporting agencies, they’ll correct it. Check age, check debtors did you really ever have that Club Diamond Pearl Card from the Bank of whatever. There’s just wrong and mis-information on the reports, family members get cross referenced , the differences many times are very subtle, spellings, mis-typed address, identity theft etc. these are things you would know.
8. Ask questions, be persistent even on the things you don’t understand.
9. Credit reporting agencies get paid by the banks its up to you to make sure the data is accurate.
10. Keep good records because Rosie the telemarketer may try hard, but taking detailed notes of conversations are not in her job description.
11. Resolving they said you said – How many times when you talk to your credit card or credit reporting company its like you’ve never spoken with them before and the conversation where you and Rosie the telemarketer had everything cleared up, never happened. Its also highly likely you were in the wrong department, Rosie changed companies, they transition to an outsourced group. Again, take notes on conversations, take names, employee numbers, extensions, confirmation numbers, record dates and times, keep all the records, why? too many to list here but Rosie could have typed your info in wrong, she may not be in the U.S., all kinds of reasons, so you’ll need your communication trail.
12. Call and Ask, yes ask! it is a simple yet overlooked secret is to ask for reduced fees, ask to reverse late payments, really any expense that they layer on your fees and lastly ask for a better interest rate, better terms and if they have any great deals. You’d be surprised how often they will say yes. Become your own best negotiator.
Interested in the possibilities? Here’s a quick way for you to find more information from from our ads only experience.
Article sponsored by My-GasCreditcards-Options
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