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Home > > Blue from American Express
Blue from American Express
0% introductory rate for purchases for 15 months
Then a fixed APR Prime + as low as 4.99%
No annual fee
Low Balance Transfer APR - 4.99% Fixed APR for the life of the balance.
Choose to carry a balance or pay in full
Blue is your launch pad to standout shopping and entertainment rewards and one-of-a-kind experiences.
Earn points that can be redeemed for gift cards, travel, merchandise, and unique entertainment experiences.
Express Approval. Get a decision in less than 60 seconds.
Easy Navigation Through Everyday Life
Online Fraud Protection Guarantee--protects you against unauthorized purchases online.
Built-in Smart Chip--for added Internet security.
Register for BlueLootSM--the totally FEE-FREE online rewards program from Blue.
Enroll in Blue's Fee-Free Rewards program
The Membership Rewards Express® program has fast ways to earn points and easy ways to redeem so you can start getting the rewards you want now.
Once enrolled, you can earn one point for virtually every dollar you charge with Blue. Enjoy more of the things you love and love to do with a wide selection of dining, shopping, entertainment, and travel rewards at your fingertips.
Express Pay is built into the card!
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DID YOU KNOW?
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Once you have determined that debt consolidation is in your best financial interest, then the next step is to do some serious research. Since rates, programs and service vary greatly with each organization, it is essential to shop around. Many desperate people have lost large amounts of money simply by doing business with the first company that they contacted. Make sure that you do not rely solely on verbal promises; get everything in writing and read everything carefully before you sign it. In general you should avoid companies who charge a large fee up front while promising to return your money once the consolidation process is complete. All fees should be discussed before any procedures begin. Ask the company about services other than debt consolidation. For example, do they provide a free budgeting session? Do they offer counseling? How much does it cost? How much time do they spend with you discussing your particular situation? The last thing you want is anyone pressuring you into making a quick decision. If after 10 minutes the company is pushing a fix-all program, you should be very skeptical. You should also find out who funds the company. While it is good to know whether the group is non-profit or for profit, you should remember that just because the company is not for profit does not ensure that its practices will always be in your best interest. There are non-profit debt management companies that charge high rates, do a poor job and act unethically. When you find an agency that appears to have competitive rates and a program appropriate for your situation, make sure you check it out with your state Attorney General and the Better Business Bureau. These groups will be able to tell you if there are any consumer complaints on file, and if the company is licensed. Taking these measures will help protect you from the surprisingly large number of debt management companies with questionable practices. Some companies misrepresent the terms of a debt consolidation agreement, do not explain all costs, charge very high fees, and/or fail to complete the promised services. There have even been cases where a business that offers “voluntary debt reorganization” does not explain that the debtor is in fact filing for bankruptcy. Find out if the company is accredited through an independent, third party association such as the Council on Accreditation. It is also a good idea to ask what kind of training the counselors have that you will be working with. Are they certified? The National Foundation for Credit Counseling and the Association of Independent Consumer Credit Counseling Agencies are two reputable companies with certified counselors. Be wary of claims from organizations that present themselves as “credit repair clinics.” These companies will often claim that they can clean your credit report for a fee. What they don’t tell you is that you have the right to see your credit report and remove any inaccurate information for free. Other than removing incorrect information, there is nothing you or any company can do to automatically improve your credit. In the end taking these precautions could save you thousands of dollars and many headaches. |
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Bankruptcy Home Loans
The dream of home ownership isn't out of reach if you've filed for bankruptcy in the past. Just because you needed a little help getting your finances back on track, doesn't mean lenders wont work with you. Some lenders even specialize in providing loans for people with damaged credit or prior bankruptcies. When you apply for a home loan, your credit is ranked on a scale from A to D. You lose points for things like late payments, over-the-limit fees, and bankruptcies. One way to improve your score, or to receive better loan terms, is to have a decent job. The longer you've worked for the same company, the better. Creditors consider long-term employment to be a sign of stability. If you've had a bankruptcy in the past, you're less likely to qualify for a grade "A" loan. As a rule, most people who have filed for bankruptcy in the past are required to make larger down payments on their homes. Some lenders give customers "B" grade loans just 18 months after filing for bankruptcy. In order to qualify for a "B" grade loan, you need to have been at your job for several years, have at least one line of credit, and make a down payment of at least 15 percent of the value of the home. Even if you only qualify for a "D" grade home loan, you can still buy a house. With this credit rating, you will likely need to make a down payment of at least 30 percent. In addition, your interest rates will be higher, starting at around ten percent or more. If you get approved for a bankruptcy home loan, it's important to make sure you can afford the monthly payments and other fees.
Copyright 2007, Credit Devil. All rights reserved!
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