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Total Rewards Credit Card

Card issued by FIA Card Services, NA.
Earn 1 Reward Credit for every $1 you charge in net retail purchases anywhere
0% Introductory Annual Percentage Rate (APR) on balance transfers and cash advance checks for one year
No annual fee

Earn 1 Bonus Reward Credit for every $1 you charge in net retail purchases anywhere- at the grocery store, mall, gas station, online, even when you pay recurring monthly bills. These Reward Credits will be added to your Total Rewards account balance, which can also be filled by your gaming play at any Harrah's Operating Company casinos.§

Total Rewards Credit Card

DID YOU KNOW?

	When you are looking at your credit report there are a few things that you may notice that are incorrect on it. You may have no idea of what you should do next. There are a few things you want to do to remove the inaccurate items off of your report. The first thing that you are going to want to do is notify the credit-reporting agency about the inaccuracy. You are going to want to do this in writing that way there you are going to have some proof of sending them a letter. You are even going to want to let the company that has the inaccurate information on your credit report about what is wrong. You are going to want to make sure that you are sending the company that filed the incorrect information a letter and a copy of all the details that will prove to them that they were showing inaccurate information on your credit report. You really do not want to send out your originals to the company then you are not going to have any information to back up your allegations about the inaccurate information. Once you have sent out all of your information to the credit company and the creditor that placed the inaccurate information on your credit report you are going to want to make sure that you are going to check to see if it was taken care of by looking at your credit report and score. If you notice that it was not taken care of with the first letter, you are going to want to keep after both companies until it is resolved to your satisfaction. It is going to take some time and persistence but it will be worth it in the end when you see that the negative marks are off your credit report.

With so much negative publicity in the tabloids about banks closing their doors on the High Street, it is too easy to forget the positive aspects which lie behind these dismal (and over exaggerated) tales. In fact, between the Internet and the debit card, it is harder to say which has revolutionised the use of current accounts more during the past decade in the UK.

Undoubtedly now, however, online banking will be the forerunner of banking change over the next ten years. Already, if you are considering changing your current account, the best and most up to date place to research products and services offered by other banks or even by your own is the Internet. With banks seeking to outdo themselves in differentiating their product and service offerings, the Internet offers a veritable smorgasbord of current account choices combined with the ability to compare different offerings on the same page.

Current account choices range from Premium accounts, offering various perks (at a price) to Intelligent Finance offerings combining the management of savings, mortgage, loans and credit cards into one service at generously low rates of interest.

The Internet also widens the choice of access routes to your bank's services. Some accounts are Internet only, others offer phone access as well and others again maintain the links to the High Street in addition to their Internet and telephony offerings.

The most interesting developments in which financial organisations such as Cahoot and First Direct led the way are in account self management. This has extended in many cases to cover not only current accounts, but also savings, mortgage, loan and credit card offerings. Some banks now offer a service which covers all your online accounts, no matter which bank they belong to. And some have added share dealing to the range of online services on offer.

So it pays to shop around not only for the most suitable product but also for the kind of services you want to be able to access on and off line.

Applying for an online account is a relatively straightforward affair. Obviously, you require your personal details (name, address, date of birth). You will also need various financial details – for example, your job and salary and any accounts you currently have (particularly if you are intending switching accounts).

You will also be asked for security details and here it pays to be prepared in advance. Common questions are your mother's maiden name, your favourite colour or pet, a memorable address or date. In addition, you will be asked for a password. You should create your password before you start the application process rather than making it up on the spot. A strong password consists of at least 8 characters and a mix of capital and small letters and numbers. Write it down. Use it during the application process and keep it securely afterwards.

Once you have applied online your details will be sent to you for confirmation in writing. Don't alter the details on the form you receive. Instead contact the bank or log on again to change them, depending on the bank's procedure. Otherwise you could invalidate your application.

Some people are worried about security online. However, banking online is as safe as banking on the High Street provided you take a few commonsense precautions. For general information on computer security refer to the government website www.getsafeonline.org .