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Clear from American Express

0.00% intro APR for up to 12 months.
5.99% fixed APR on balance transfers.
Automatic Rewards.
Flexibility to pay over time.
User-friendly credit report and score.
American Express World-Class Customer Service.
Earn automatic rewards faster with fee-free Additional Cards

CARD FEATURES
Automatic Rewards
When you spend $2,500, you get an American Express® branded shopping card worth $25.I Complimentary credit report (with credit score) every 12 months

Clear from American Express®

• Pay over time or pay in full.
  
• Grace Period for purchases is 28-31 days, if the previous balance shown on each billing statement is paid in full by each respective due date.
  

• Emergency Card ReplacementVII: Receive a new Card if yours has been lost or stolen in as little as 24 hours.
  
• Global Assist® HotlineVIII: Whenever you travel more than 100 miles from home, we'll provide you with emergency assistance 24/7, including medical and legal referrals, visa/passport help, cash access, lost luggage and more.
  

• Access your account online 24/7: Pay your bill or view up-to-date billing information, including transactions, charges, and payments.
  
• Online Year-End Summary: Organize your expenses in a snap - download and print the Summary; sort charges by date, merchant name, amount or category, such as Travel and Restaurant.IX
  

DID YOU KNOW?

	The type of services offered by a bank depends upon the nature of the bank and the country where the bank operates. The services provided by banks usually include checking accounts, saving accounts, and investment advice. The main function of most banks is directly accepting deposits from the general public and providing check facilities for withdrawal purposes. The provision of the check facilities differentiates banks from other financial institutions. Lending money to companies, individuals, the government, and other financial institutions is the second major activity of all types of banks. Banks play a vital role in the capital formation of a country through saving and investment functions. They pool the savings of the small investors and general public and utilize the funds by investing the companies or the government. Banks also render services like facilitating money transactions such as wire transfers and cashiers checks, issuing credit cards and debit cards, and provisioning safe deposit boxes for the storage of valuables. Modern banks also provide sophisticated services like online banking, project financing, leasing, merchant banking, and personal banking. Online banking relieves the customers from time-consuming paper based banking transactions with the help of information technology. Personal banking provides technology-enabled and customized banking products like phone banking and Internet banking. Banks may undertake merchant banking activities like managing issue of shares, their allotment, and the collection of share amounts on behalf of joint stock companies. Currently, most customers enjoy the benefits of ATMs (Automatic Teller Machines) where they can withdraw money from their accounts at any time.

When you start to look at all, the different instant approval credit card offers that you may receive in the mail. You are going to want to really watch what all the different credit card offers you do receive. There are some that may say that you are instantly approved for a credit card but when you actually apply for the credit cards you may soon see that you are not going to be approved for a credit card thru some of the major credit card companies.

If this happens to you there is a chance that you would have a good shot at a department store or gas credit card to start out with. There are many times that the department stores and gas cards are going to be a little more lenient on someone that is trying to build their credit up.

Once you do receive credit cards for your use do not get too carried away with charging everything in site. You are going to want to make sure that you are going to be able to pay for all the charges that you are doing. When you prove to the credit card companies that you are paying your bills one time and being responsible for all of your charges some of the larger credit card companies are going to be more willing to give you a chance with one of their credit cards.

The next time that you receive an instant approval credit card letter in the mail make sure that you are looking at all the different terms and conditions that they state on their letters. That way you are going to know if that would be a card worth applying for. You do not want to apply for all of the card offers that you receive in the mail because then you are just going to end up hurting your credit rating in the end.