5 STAR BANK (A
COLORADO INDUSTRIAL BANK)
ADIRONDACK TRUST
COMPANY,
THE
AMALGAMAT ED BANK OF CHICAGO
AMERICAN EXPRESS
BANK, FSB
AMERICAN EXPRESS
CENTURION BANK
(800) N - 5STAR VISA N - 5STAR VISA PLATINUM 11.4 V 1 25 0 N.R. 2265
(518)
(518) NY - VISA 15.0 F 0 25 15 4,6 5844
N
AMALGAMATE
D BANK OF (800) CHICAGO CHICAGO MASTER 12.0 V 1 25 0 4,5,10 6464
(800) N - AMERICAN N - AMERICAN EXPRESS GOLD 18.2 V 1 20 85 N.R. 0770
N - BLUE FROM (800) AMERICAN 2,3,4,5,6,9 2,3,4,5,6,9 EXPRESS 12.2 V 1 20 0 ,10 4800 AMERICAN SAVINGS
BANK, F.S.B.
ANB
FINANCIAL NATIONAL
ASSOCIATION
APPALACHIA N
COMMUNITY BANK
BANCORPSOU TH BANK
BANGOR
SAVINGS
BANK
BANK OF
KENTUCKY, INCORPORAT ED, THE
BANK OF THE SIERRA
BANK, THE
BANKERS BANK, THE
(808) HI - CLASSIC HI - CLASSIC VISA 16.3 F 0 25 24 4,6 2566
TX - AMERICAN (325) STATE BANK STATE BANK VISA 9.90 F 0 25 0 4,6,10 1000
(888) N - ESCAPES / N - ESCAPES / ANB 8.30 F 0 28 0 N.R. 5262
(706) N - VISA N - VISA CLASSIC 11.9 F 0 25 12 1,4,5,8,10 8000
(800)
(800) R - VISA 19.9 V 1 25 0 4,6,8 8085
(800) R R MASTERCARD 11.2 V 1 30 0 N.R. 2723
(207) N - VISA N - VISA CLASSIC 16.2 V 1 25 0 5 5211
(859)
(859) R - VISA GOLD 19.8 V 1 25 0 4,9 5170
(800) N - VISA AND N - VISA AND MASTERCARD 9.90 F 0 25 0 3,4,5,6,9 6454
(559)
(559) CA - VISA 13.0 F 0 25 0 4,6 4900
(800)
(800) PA - VISA 15.3 V 1 25 0 2,3,4,6 9295
(800) R R MASTERCARD 14.2 V 1 25 0 4,5,6,7 7642 BANKERS'
BANK OF
KANSAS, (800) NATIONAL NATIONAL ASSOCIATION KS - VISA 16.7 V 1 25 0 4,6 6284
BAR HARBOR BANK AND TRUST
COMPANY
BARCLAYS BANK
DELAWARE
BB&T
BANKCARD CORPORATIO N
BMW BANK OF NORTH
AMERICA
BOONE
COUNTY
NATIONAL
BANK OF
COLUMBIA, THE
BRANCH
BANKING
AND TRUST COMPANY
CENTRAL
BANK &
TRUST
COMPANY
CENTRAL
TRUST BANK, THE
CHASE BANK (888) ME - VISA ME - VISA CLASSIC CARD 14.5 F 0 25 0 10 7100
N - US (866) AIRWAYS AIRWAYS MASTERCARD 18.2 F 0 20 79 4,5,6,9 0881
(800)
(800) R - VISA 12.2 V 1 25 0 N.R. 4228
(888) 1,2,3,4,6,1 1,2,3,4,6,1 N - VISA 14.2 V 1 22 0 0 2273
R (573) MASTERCARD/ MASTERCARD/ VISA 17.4 F 0 25 0 4 1148
(800)
(800) R - VISA 12.2 V 1 25 0 3,4,5,6,9 4228
(800)
(800) N - VISA 19.8 V 1 25 0 N.R. 7070
(800)
(800) KY - VISA 18.0 F 0 25 20 N.R. 6884
R (573) MASTERCARD / MASTERCARD / VISA 17.4 F 0 25 0 4 1148
N 9.00 F 0 20 0 N.R. (888) USA,
NATIONAL
ASSOCIATION
CHEMUNG
CANAL
TRUST
COMPANY
CITIBANK
(BANAMEX USA)
CITIBANK
(SOUTH
DAKOTA),
NATIONAL
ASSOCIATION
CITIZENS
BANK OF
MASSACHUSE TTS
CITIZENS
BANK OF
PENNSYLVAN IA
CITIZENS
BANK OF
RHODE
ISLAND
FIRST BANK
CITY
NATIONAL
BANK
CITY
NATIONAL
BANK OF
TAYLOR, THE
NY - VISA (607) BUSINESS BUSINESS CARD 13.7 V 1 25 25 N.R. 3761
N (800) MASTERCARD MASTERCARD PLATINUM 14.2 V 1 25 0 4,10 1234
(800) N N MASTERCARD 11.2 V 1 20 0 N.R. 5114
N (888) MASTERCARD MASTERCARD PLATINUM 8.00 V 1 20 0 2,4,6,10 1114
(888) N N MASTERCARD 8.00 V 1 20 0 2,4,6,10 1114
N (888) MASTERCARD MASTERCARD PLATINUM 8.00 V 1 20 0 2,4,6,10 1114
(352) FL - VISA FL - VISA PLATINUM 10.0 F 0 25 0 N.R. 3274
(800) R - VISA R - VISA BUSINESS 16.0 F 0 25 50 3,4,6 5920
(512) TX - VISA AND TX - VISA AND MASTERCARD 13.9 F 0 25 0 4,6 2221
(800) 3,4,5,6,8,1 3,4,5,6,8,1 N - VISA 14.9 F 0 30 15 0 3221 COLUMBIA RIVER BANK
COLUMBUS BANK AND TRUST
COMPANY
COMMERCE BANK AND TRUST
COMMERCE BANK,
NATIONAL ASSOCIATION R - VISA 12.2 V 1 25 0 3,6,9,10 2000 (541)
(800) N - VISA N - VISA CLASSIC 16.2 V 1 25 0 N.R. 8227
(785) KS - VISA KS - VISA CLASSIC 17.1 V 1 25 0 4,9 8900
(800) (800)COMMERCE BANK,
NATIONAL
ASSOCIATION
COMMUNITY NATIONAL BANK
COMPASS BANKCOPPERMARK BANK
CREDIT ONE BANK,
NATIONAL
ASSOCIATION N - VISA 23.9 F 0 25 69 N.R. 3242
(208) D. L. EVANS 2,3,4,5,6,8 2,3,4,5,6,8 BANK N - VISA GOLD 13.2 V 1 25 20 ,10 2529
DELAWARE (800) NATIONAL NATIONAL BANK R - VISA 15.3 V 1 25 0 2,3,4,6 9295 (800)
R - SPECIAL R - SPECIAL CONNECTIONS 16.5 V 1 25 0 4,6 2103(870) AR AR MASTERCARD 9.00 F 0 25 50 10 8000
(802)
(802) VT - VISA 13.6 F 0 25 0 N.R. 7915
(800)
(800) R - VISA 18.2 V 9 25 0 N.R. 5175
(800) R R MASTERCARD 16.2 V 1 25 15 1,3,4,5,8,9 1557
(877)
(877) DISCOVER BANK
DOLLAR BANK, A FEDERAL SAVINGS BANK
EAST PENN BANKEXCHANGE
NATIONAL
BANK OF
JEFFERSON
CITY, THE
FAIRFIELD
FEDERAL
SAVINGS AND LOAN
ASSOCIATION OF
LANCASTER
FARM
BUREAU
BANK FSB
FIA CARD SERVICES, N.A.
FIFTH THIRD BANKFIRST BANK & TRUST
EAST TEXAS
FIRST
COMMAND BANK
FIRST
N - DISCOVER (800) PLATINUM PLATINUM CARD 14.0 V 1 25 0 1,4,6,7,9 2683
(800)
(800) R - VISA 13.2 V 1 25 0 1,6,9 2823
(610)
(610) N - VISA 14.7 V 1 25 0 4 5959
(800) MO MO MASTERCARD 16.9 F 0 25 0 4 8362
(800) OH - FAIRFIELD OH - FAIRFIELD FEDERAL 12.3 V 1 24 12 1 0987
(800) N N MASTERCARD 15.2 V 1 20 0 9,10 3276
N - BANK OF
AMERICA (800) MASTERCARD MASTERCARD PLATINUM 15.2 V 1 20 0 3,4,6,9,10 2775
(800) R - PLATINUM R - PLATINUM MASTERCARD 10.2 V 1 20 0 3,4,9,10 4858
(888) TX - VISA TX - VISA CLASSIC 13.9 F 0 25 0 N.R. 7787
(888) N - VISA N - VISA PLATINUM 9.30 F 0 30 0 2,4,6 7600
AL - VISA 12.2 V 1 20 0 N.R. (800) COMMERCIAL PLATINUM PLATINUM BANK 8227
FIRST (505) COMMUNITY N N BANK MASTERCARD 14.9 F 0 25 50 4,5,6,8 7373
FIRST (203) COUNTY COUNTY BANK CT - VISA 14.2 V 1 25 25 N.R. 4200
FIRST
FEDERAL
SAVINGS AND (800) LOAN LOAN ASSOCIATION N - VISA 11.9 V 1 25 0 N.R. 3248
FIRST
FINANCIAL BANK,
NATIONAL
ASSOCIATION
FIRST
FINANCIAL BANK,
NATIONAL
ASSOCIATION
FIRST
HAWAIIAN BANK
FIRST
INTERSTATE BANK
FIRST
NATIONAL
BANK &
TRUST
FIRST
NATIONAL
BANK
ALASKA
FIRST
NATIONAL
BANK AND
(800)
(800) R - VISA R - VISA CLASSIC 15.9 F 0 25 15 4,6 0045
HI (800) MASTERCARD MASTERCARD STANDARD 16.5 F 0 25 15 4,6,7,10 2778
R - VISA (406) PLATINUM 4,5,6,8,9,1 4,5,6,8,9,1 SCORECARD 20.3 T 0 25 35 0 5434
(850) FL - MASTER FL - MASTER CARD 14.9 F 0 30 20 1,9 2020
(907) AK AK MASTERCARD 13.9 F 0 25 0 4 4523
(800) WY - VISA WY - VISA CLASSIC 13.9 F 0 25 0 4 6906 TRUST
COMPANY
FIRST
NATIONAL
BANK OF
FAIRFIELD, THE
FIRST
NATIONAL
BANK OF
OMAHA
FIRST
NATIONAL
BANK OF ST. LOUIS
FIRST
NATIONAL
BANK OF THE MID-CITIES
FIRST
SECURITY BANK
FIRST
CITIZENS
BANK &
TRUST
COMPANY
FIRST-KNOX NATIONAL
BANK OF
MOUNT
VERNON, THE
FIRSTBANK OF
(406) (406)
(800) 2,3,4,6,9,1 2,3,4,6,9,1 N - VISA 10.0 V 9 20 0 0 7070
R (573) MASTERCARD / MASTERCARD / VISA 17.4 F 0 25 0 4 1148
N
MASTERCARD (817) REGULAR AND REGULAR AND GOLD 13.9 F 0 25 0 N.R. 2500
(866)
(866) N - VISA 14.0 F 0 25 0 4,6 2265
(479)
(479) AR - VISA 10.0 F 0 25 0 1,3,4,6 7078
NM (800) MASTERCARD MASTERCARD CLASSIC 15.2 F 0 25 0 4 7503
(540)
(540) R - VISA GOLD 8.00 V 1 25 0 4 4707
(740) OH - VISA OH - VISA CLASSIC 17.2 V 1 30 0 4 5500
(800) R - VISA 15.2 V 1 25 0 2,4,6 2,4,6 COLORADOFIRSTMERIT BANK, N.A.
FRANKLIN
TEMPLETON BANK &
TRUST F.S.B.
GARDINER
SAVINGS
INSTITUTION FEDERAL
SAVING
BANK
GREENVILLE NATIONAL BANK
HEARTLAND BANKHILLS BANK AND TRUST COMPANY
HOME
FEDERAL
BANK OF
TENNESSEE, FSB
HSBC BANK USA,
NATIONAL
ASSOCIATION
IBERIABANK IDAHO
3444
(888) R - VISA R - VISA PLATINUM 10.8 V 1 20 0 2,4,6,9 4362
(800) N - PLATINUM N - PLATINUM MASTERCARD 11.7 V 1 25 0 2,3,4,6,10 2761
(207) ME - VISA ME - VISA CLASSIC 16.5 T 0 25 0 N.R. 5550
OH
GREENVILLE (937) NATIONAL NATIONAL BANK VISA 18.0 F 0 25 0 N.R. 1114
(800) OH OH MASTERCARD 15.7 V 1 25 18 10 0049
IA - VISA (800) PLATINUM "NO PLATINUM "NO ANNUAL FEE" 10.3 V 1 25 0 4,6,8,9 5725
(865) TN - VISA TN - VISA CLASSIC 12.8 F 0 25 15 N.R. 3954
(877) N N MASTERCARD 16.0 V 1 20 0 3,4,5,9,10 4722
(936)
(936) TX - VISA 13.9 F 0 25 0 N.R. 5566
(800) LA - VISA LA - VISA CLASSIC 11.0 F 0 15 0 N.R. 0801
N - VISA 15.2 V 1 25 15 1,3,4,6 (208) INDEPENDEN T BANK
INFIBANK,N.A.
INTRUST
BANK,
NATIONAL
ASSOCIATION
KENTUCKY BANK
LAFAYETTE AMBASSADO R BANK
LOS ALAMOS NATIONAL BANK
M&I BANKFSB
MERCER
SAVINGS
BANK
MERRICK
BANK
CORPORATIO N
CITY BANK
NATIONAL
GRAND BANK OF
MARBLEHEA D
D
1168
(877)
(877) N - VISA 13.0 V 4 20 0 N.R. 8078
(800) N - VISA N - VISA PLATINUM 14.2 V 1 25 0 4,6,10 7458
(540)
(540) R - VISA GOLD 8.00 V 1 25 0 4 4707
(859)
(859) KY - VISA 16.2 V 1 25 0 N.R. 1795
(800)
(800) PA - VISA 15.3 V 1 25 0 2,3,4,6 9295
(505)
(505) N - VISA GOLD 10.9 F 0 25 15 N.R. 1050
(800) R - VISA R - VISA CLASSIC 16.2 V 1 25 15 N.R. 2657
(419) OH - VISA OH - VISA CLASSIC 11.9 F 0 25 20 N.R. 5159
(800) N - VISA N - VISA CLASSIC 25.2 V 1 25 0 N.R. 2322
R - NATIONAL
CITY (800) EVERYDAY EVERYDAY REWARDS VISA 14.2 V 1 20 0 1,2,3,4 3883
(781) MA MA MASTERCARD 16.5 F 0 25 0 N.R. 6000 NEW
MILLENNIUM BANK
NORTHWEST SAVINGS
BANK
BANKS
OHIO VALLEY BANK
COMPANY,
THE
PARK
NATIONAL
BANK, THE
PENN
SECURITY
BANK AND
TRUST
COMPANY
PEOPLES
FIRST
COMMUNITY BANK
PLAINS
COMMERCE BANK
PULASKI
BANK AND TRUST
COMPANY
QUAD CITY BANK AND N - VISA (732) SECURED SECURED CREDIT CARD 19.5 F 0 0 59 2,3,4,6 4395
(800)
(800) N - VISA 12.2 V 1 25 0 10 1800
(814) R - VISA R - VISA CLASSIC 13.8 F 0 25 0 3,6 7505
(513) N - VISA N - VISA CLASSIC 17.4 F 0 25 0 4,9 5196
(740)
(740) R - VISA 15.3 F 0 25 15 N.R. 9148
(800) OH - CLASSIC OH - CLASSIC VISA 18.0 F 0 25 12 N.R. 2616
(570) N N MASTERCARD 14.8 F 0 25 0 N.R. 7741
FL (800) MASTERCARD MASTERCARD GOLD 10.9 F 0 25 0 N.R. 9699
(800) R - VISA R - VISA CLASSIC 16.0 V 9 25 0 4,5,6,10 7283
N (605) VISA/MASTERC VISA/MASTERC ARD 19.8 F 0 25 39 N.R. 2344
(800)
(800) N - VISA 8.00 F 0 25 35 9 7715
R - VISA (877) CLASSIC 14.2 V 1 25 20 4,9 4,9 TRUST
COMPANY
RAINIER
PACIFIC
SAVINGS BANK
RBC
CENTURA BANK
RICHLAND TRUST
COMPANY, THE
SECURITY NATIONAL BANK AND TRUST
COMPANY
SIMMONS FIRST
NATIONAL BANK OF
PINE BLUFF
BANK
STATE BANK AND TRUST COMPANY, THE
STATE FARM BANK, FSBSUNFLOWER BANK,
NATIONAL
ASSOCIATION 0190
(800)
(800) N - VISA GOLD 13.0 V 1 25 0 N.R. 2858
(800)
(800) R - VISA GOLD 14.7 V 1 25 0 4,5 8872
(418) OH - VISA OH - VISA GOLD 10.8 V 1 30 50 4 8791
(800) PA - VISA PA - VISA CLASSIC 11.8 V 1 25 15 4,6,10 2265
(937) OH - CLASSIC OH - CLASSIC VISA 16.9 F 0 25 0 N.R. 6828
(800)
(800) N - VISA 13.3 F 0 25 35 4 5151
(315) NY - VISA NY - VISA CLASSIC 14.9 F 0 25 0 N.R. 1661
(419)
(419) OH - CLASSIC 15.8 V 1 25 25 N.R. 8950
(877) N - VISA N - VISA PLATINUM 13.2 V 1 20 0 1,2,4,6,9 8472
(888) N - VISA N - VISA CLASSIC 9.90 F 0 25 0 4,5,6,8 5564 TCM BANK,
NATIONAL
ASSOCIATION
TEXAS BANK AND TRUST COMPANY
TIB THE
INDEPENDEN T
BANKERSBAN K
TOWN NORTH BANK
NEVADA,
NATIONAL
ASSOCIATION
TRUSTMARK NATIONAL
BANK
U.S. BANK
NATIONAL
ASSOCIATION ND
UMB BANK, NATIONAL
ASSOCIATION
UNITED
BANK, INC.
UNIVERSAL SAVINGS
BANK,
FEDERAL
ASSOCIATION
USAA
SAVINGS
BANK
N - TOTAL (800) CARD CARD MANAGEMENT 15.2 V 1 25 0 3,4,5,6,9 0131
(903) TX - VISA TX - VISA CLASSIC 13.9 F 0 25 0 N.R. 5680
(800) N - VISA AND N - VISA AND MASTERCARD 16.2 V 1 25 0 N.R. 7576
(800) N N MASTERCARD 10.2 V 1 20 0 4,8,9 8417
(601)
(601) R - VISA 12.2 V 1 30 0 N.R. 7685
(800)
(800) R - VISA 12.2 V 1 25 0 9 8585
(800) N - VISA 1,2,3,4,5,6 1,2,3,4,5,6 PLATINUM 12.2 V 1 25 0 ,9 5184
(800) NY - VISA 1,4,5,6,7,9 1,4,5,6,7,9 GOLD 15.2 V 1 25 0 ,10 8775
(800)
(800) R - VISA 14.3 V 1 25 0 10 7600
(888) N - VISA N - VISA PLATINUM 10.0 V 1 25 0 4,10 1427
(800) N N MASTERCARD 11.2 V 1 25 0 N.R. 2265 VALLEY
NATIONAL
BANK
WACHOVIA
BANK,
NATIONAL
ASSOCIATION
WALLIS
STATE BANK, THE
WASHINGTON MUTUAL
BANK
WAYNE BANK AND TRUST
CO.
WELLS
FARGO BANK, NATIONAL
ASSOCIATION N - VISA 17.2 V 1 25 0 9 4720 (800)
N - VISA
PLATINUM (800) WITH WITH REWARDS 12.2 V 1 25 0 9 4684
(979)
(979) TX - VISA 14.9 F 0 25 0 4,5,6,8 6151
(800) N - PLATINUM N - PLATINUM MASTERCARD 15.0 V 1 25 0 10 7000
(888) N - VISA N - VISA CLASSIC 11.0 F 0 25 0 N.R. 2963
(800) (800)WELLS
FARGO
FINANCIAL
BANK
WEST
SUBURBAN
BANK
WHITNEY
NATIONAL
BANK
WILMINGTON SAVINGS
FUND
SOCIETY, FSB
WILMINGTON TRUST
COMPANY
WORLD
FINANCIAL
NETWORK
(605) (605)
(630) IL - VISA IL - VISA CLASSIC 14.3 V 1 25 0 N.R. 2000
(504)
(504) R - VISA 14.3 V 1 25 0 N.R. 6565
(302) N N MASTERCARD 14.9 V 1 25 20 N.R. 6000
(302) N N MASTERCARD 16.5 V 5 25 18 4,5,8,10 2378
N - GANDER (888) MOUNTAIN MOUNTAIN PLATINUM 16.2 V 1 25 0 N.R. 4709 NATIONAL BANK
WORLD'S
FOREMOST BANK
YORK STATE BANK AND TRUST
COMPANY
ZIONS FIRST NATIONAL BANK
MASTERCARD
(800) N - CABELA'S N - CABELA'S VISA CLASSIC 16.2 V 1 20 0 1,6 8402
(402)
(402) N - VISA 14.0 F 0 25 0 3,4,6,9,10 4411
(888) R - VISA R - VISA CLASSIC 17.3 V 1 25 0 2,4,6,10 5349
Think about how you will use your credit card. Do you expect to
Pay your monthly bill in full?
Carry over a balance from month to month?
Get cash advances?
Once you have decided how you will use your credit card, you can use this checklist to compare cards. Information about most of the features is given in thedisclosure box that must appear in all printed credit card solicitations and applications.
Feature Card A Card B Card C
For purchases? ___________ ___________ ___________
For cash advances? ___________ ___________ ___________ For balance transfers? ___________ ___________ ___________ If you pay late? ___________ ___________ ___________
What type of interest does the card have?Fixed or variable? Tiered? ___________ ___________ ___________
How long is the grace period?
If you carry over a balance? ___________ ___________ ___________ If you pay off the balance each month? ___________ ___________ ___________ For cash advances? ___________ ___________ ___________
How is the finance charge calculated?
One cycle or two? ___________ ___________ ___________
Including or excluding new purchases? ___________ ___________ ___________ Average or adjusted? ___________ ___________ ___________ Minimum finance charge? ___________ ___________ ___________
What are the fees?Annual ___________ ___________ ___________
Late-payment ___________ ___________ ___________ Over-the-credit-limit ___________ ___________ ___________ Set-up ___________ ___________ ___________
___________ ___________ ___________ What are the cash advance features?Transaction fees
Limits ___________ ___________ ___________
How much is the credit limit? ___________ ___________ ___________
What kind of card is it?
Secured? Regular? Premium? ___________ ___________ ___________
Does the card offer other features?
Rebates ___________ ___________ ___________
Frequent flier miles ___________ ___________ ___________ Insurance ___________ ___________ ___________ Other ___________ ___________ ___________
Dave Capra is author of “Your Guide to Perfect Credit” and host of “The Debtonator Radio Show returning to Chicago airwaves this April on WJJG-AM 1530. His daily columns are available on his bloghttp://thedebtonator.blogspot.com/ and he is a debt relief consultant with Franklin Debt Relief.
He has been helping people recover from problematic debt since 1990 and has made it his mission to educate consumers about credit cards and debt management. He is currently petitioning legislators in Illinois to include, as required curriculum, courses in credit cards and debt management for all high school students.
“I find it appalling that our children are graduating and entering the adult world uneducated about credit and debt matters, and I intend to do something about it.” Capra states. “Know the rules before you play the game,” is his battle cry.
For information about Dave Capra “The Debtonator” email him atdcapra@franklindebtrelief.com or call 312.674.4861 (office) or 630.433.0303 (cell)
If you’re currently suffering from the pain and frustration associated with bad credit, or no credit at all, "Your Guide To Perfect Credit" will tell you EVERYTHING that a consumer needs to know about credit, credit cards, debt education, getting out of debt and staying that way.
The education and secrets that are inside this big 168 page manual are so powerful that some credit specialists and attorney’s have charged up to $2,000 and more for them and consumers have gladly paid, because even at that price, it was well worth it to achieve “Perfect Credit” in today’s world.
The decision to obtain this book is one of the most important decisions that you will make in your life. It is a decision to become educated in an area of your life where average people have little or no knowledge. So your decision to reach out for help, to educate yourself, was truly a wise one. It is when you truly decide to take actionthat good things start to happen.
"Your Guide To Perfect Credit" was written to teach you what credit and debt are and how to establish or restore your credit and build up your credit score. If you’re trying to build credit fast, y