Wednesday, July 30, 2008

Lowes Credit Card

Another review I recently finished is the Lowe's consumer credit card. They offer a couple of consumer credit cards. One is the Project card and the regular one.

The Project card is for people who are going to spend $1000.00 or more at Lowes. You have to spend at least one thousand to qualify for this card. It does have a pretty low interest rate: 7.99% to 17.99% depending on your credit. You also can choose six months which you will earn zero interest for that period.

The regular card isn't really good because it doesn't have any special benefits with it and it has a high interest rate. More information on the Lowes credit card.

Monday, July 21, 2008

Victoria's Secret Credit Card Review

Another store credit card I have reviewed is the Victoria Secret credit card. As usual it comes with a higher interest rate than standard credit cards, but on the bright side it actually comes with a decent rewards program.

You earn one point per dollar on all purchases and at 250 points you receive a $10 gift card for Victoria's Secret. That comes out to 4% back off of your purchases.

If you are frequent shopper of their store and intend to pay off your balance every month it is worthwhile to get a Victoria Secret credit card.

Thursday, July 10, 2008

Circuit City Credit Card Review

Yet another retail credit card I have reviewed is the Circuit City credit card. This card is another one that you should avoid at all costs.

I can't really see any benefit to getting this card. It is that bad. The annual percentage rate is high, above 20%. They have so many ways to cheat you out of the rewards program. If it was an easy rewards program to understand with no catches then the credit card might be worthwhile.

As it stands you earn 5 points per dollar spent at Circuit City and 1 point per dollar on all other purchases. You receive a $5 gift certificate at 500 points that can only be spent at their stores. Plus when you use a gift certificate you forfeit the rest of it if you don't spend the full five bucks. Gift certificates also expire after 90 days of being issued so make sure you use them up fast.