Verdict: The SAFE Platinum card has many benefits to members of the credit union. The card offers a generous credit limit up to $20,000 and is free to carry. The rewards version also offers points for every $1 spent, so frequent shoppers can earn rewards that never expire. This card does offer a 1.90% intro APR for six months, which may be put to good use for financing a large purchase. Unfortunately, both versions of this credit card have a rather high APR that is up to 17.90%. There is also a penalty APR of 23.90%, which is much higher than average. Despite not having an annual fee, this card should be avoided by anyone who carries a balance.
Overview: The SAFE Credit Union extends membership to anyone living or working in many California counties such as Sacramento and El Dorado. Along with other financial services, the credit union offers two personal Platinum Visa cards to members.
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Bob McDonnell the Virginia governor has stated his desire to find out who amongst the students in his state have the best skills when it comes to personal finance.
In a recent statement released to reporters, McDonnell announced the launch of the Governors Challenge in Economics and Personal Finance that will run for an entire semester to help encourage financial understanding in high schools across the state. Groups of four students can qualify for the quiz bowl type competition in Richmond, if they manage to score the highest in the online test that runs from March 7th to April 4th.
The challenge set by the governor will see the teams tested on their aptitude to fully comprehend and make clear the crucial elements of personal finance, for example how to evaluate credit card deals, how to find the right product to help them invest for their retirement and how to handle daily cash flow.
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College comes with a great many expenses and new experiences that have a deep impact on the rest of one’s life. For many students, it is their first exposure to credit and both the advantages and perils that come with credit cards.
Making good decisions early on can set one on the right path, and there are many opportunities available just for students. Finding the right student credit card often seems daunting, but if accomplished can improve the college experience and create a solid credit foundation for the rest of one’s life.
Conversely, making poor credit choices while in college can saddle students with a lifetime of debt. Read through this guide to learn if a student credit card is right for you and then if so, how to find the very best student credit card offers.
A student credit card is a card that is specifically targeted at and designed for college students, with a special focus given to their needs.
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Verdict: Students that belong to the Georgia’s Own Credit Union can take advantage of the Student Visa that is offered. This credit card is intended for students who have a limited credit history and want a low cost, well designed card to pay for school expenses. Despite being a student card, this credit card offers the same cardholder benefits as Georgia’s Own Platinum card, including a rewards program, no annual fee and a low interest rate. This credit card is recommended to any student who wants a card that is easy to qualify for and offers the same benefits of a higher end card.
Overview: Georgia’s Own Credit Union offers membership to any resident in most Georgia counties, along with employees of certain organizations and students and faculty at Georgia State University. There are three credit cards offered, including the Student Visa. This
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Prepaid credit cards are becoming ever more popular with the Mercator Advisory Group predicting that the amount loaded onto prepaid cards will increase to around $233.8 billion in 2012.
This will mark a fourfold increase in the past three years.
Prepaid cards are very popular at the moment and anyone can be approved for them. This makes them ideal for people with little or no credit history and for those with damaged credit. Prepaid cards can be used anywhere that Visa, MasterCard and American Express are accepted as a form of credit.
The most attractive feature of prepaid cards is that hey allow consumers to avoid building up credit card debt and overdrafts because they only allow a consumer to spend their own money which has already been preloaded onto the card.
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Instant online approval credit cards are great because you can apply for them without leaving your home and receive it in only few days. Once you receive the card you will be instructed to call an automated number in order to activate it. After that, it will be activated and ready to use.
If your credit is good the approval will be fast and easy without any hassle. However, if you have a bad credit history you will get an instant “declined”. In between these two extremes are many who will be told their application is being reviewed. That means a real person will look at your application and decide whether to approve your new account or not.
If your application is reviewed, chances are it will be approved but perhaps at a lower credit line than you requested or with an interest rate higher than was advertised. Don’t let the excitement of being approved overwhelm your common sense.
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— Margie D. Smith @ 11:53 pm — 
February 13, 2012