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Archive for Iberia Bank

Best Credit Cards for Fair Credit 2011

By BankAim · Comments (1)
Wednesday, May 18th, 2011

It’s a terrible feeling knowing that you can no longer apply for further credit and credit cards because of a history of bad credit. Plus, your credit score will continually haunt you for the rest of your days. Is your credit score affecting your chances of getting a credit card? Here’s an option that can help you get out of that rut: use a credit card that not only will allow you to get a loan, but will also help you rebuild your credit score.

If you’re thinking right now, “Huh? There’s a credit card that is specifically designed to improve my credit score? Is that for real?” Well, the answer is yes. Credit card companies are seeing the need for a credit card that can actually help consumers get back on track with their credit. The best thing about it is, some credit cards are so sensitive to your needs that they don’t even require a credit check or a checking account. Sounds too good to be true right?

Here’s how these credit cards can help you make your bad credit good, or make your fair credit even better: they report to the three major card bureaus. Having your card do that for you saves you a lot of time and effort. Plus, you can be sure you’re rewarded for every “good” activity you do with your card such as paying on time.

And if you’re not really suffering from bad credit, and you feel that you already have fair enough credit, then there are also cards that reward you for a good job in keeping your credit score good. These cards can reward you will lower APR’s – meaning, less credit card interest should you default on your payments.

So whether you have bad credit, fair credit, or excellent credit, here are the some cards that are certainly worth looking into:

Best Credit Cards for Fair Credit 2011





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By using credit cards that count, you can always bring your credit score up a notch. Plus, every time your credit score improves, you can begin receiving rewards for your good work. So don’t let your credit score get you down. Take these opportunities to raise yourself back up to the credit level you deserve.

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Categories : Credit Cards
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Best Credit Card Rates in 2011

By BankAim · Comments (0)
Friday, May 13th, 2011

We all know that introductory rates are the best rates anyone could get with a credit card. If only these rates will stay forever. But we all know that this is close to impossible. After the introductory APR, what comes next for your card?

The usual credit card rates after the introductory period is usually around 11.99% to 20.99%. However, there are some credit cards that bend lower than usual. These rates are worth looking at so check out these best credit card rates in 2011 and the credit cards that offer them:

1. Iberia Bank Visa Classic Card

Finally, creditworthiness gets rewarded with more than just low rates on loans. With the Iberia Bank Visa Classic Card, you can gain low variable rates if you have good credit. The rates vary from 7.25%, 10.25%, or 13.25% (Prime + 4.00%, Prime + 7.00%, or Prime + 10.00%). This APR will vary with the market based on the Prime Rate. Introductory APR on balance transfers are also at a low 1.99% for the first 6 billing cycles. Plus you can get online access to credit card account information, making it easy to check on your balance and purchases.

Every card holder can also save on the usual annual fee, as the Iberia Visa Classic Card charges $0 on annual fees. This card also offers additional product Enhancements such as: Auto Rental Collision Damage Waiver, Roadside Dispatch and Travel Emergency Services. If you feel like you can surely use these extra enhancements, plus you want to ride on the low rates, the Iberia Visa Classic Card is for you.

Enjoy low interest rates plus extra benefits with these prime deals from Iberia Bank and Public Savings Bank. You never know when you need to save on interest.

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Best Low Interest Credit Cards 2011

By BankAim · Comments (0)
Tuesday, May 10th, 2011

When dealing with money and finances, one thing we’re all too familiar with are interest rates. Savings accounts, certificates of deposits and money markets will have us jump for joy when the interest rates are high, but when it comes to credit cards, interest is best left low.

After all, why do so many people get into credit card debt? Aside from the all too familiar reason of charging more than they can afford, credit card interest rates also play a crucial role. Most of us are just too loose when it comes to choosing the best credit cards. When a new card comes in the mail that tells us that we can immediately start charging, our eyes light up like a child with a new puppy. We don’t even bother to check what happens should we default on payments. It only comes as a shock once we’ve “forgotten” to pay the full amount, only to see the sky-high monthly interest that’s charged. Ouch.

So instead of accepting just whatever that comes in the mail, be sure to check how much interest that card will charge you should you default on payment. If you see something that doesn’t look too agreeable, don’t hesitate to go and chuck it out the window. After all, there are loads of other cards out there that can give you the low interest that you deserve.

Here are some of the best low interest credit cards 2011 can offer:

Best Low Interest Credit Cards 2011





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And one more thing, there are a lot of credit cards that promote 0 interest APYs. This can certainly be a good thing especially if the introductory period is long enough. But what happens after that? Be sure to check the real interest rates that comes after the introductory period.

The next time you shop for a credit card, don’t be lured just by the introductory APR. Take note of what lies after that and choose a card with a low interest rate to save you from heavy increases in interest penalties.

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