My New Credit Card

Redecorating can be fun and expensive! There are ways to work around all the expenses when it come to redecorating your home and one way can be to choose the right card to do the job with. Whether it’s a credit card, prepaid card, or gift card, there are some ways to approach the task with a frugal mindset. After all, doesn’t everyone like to save some money? Here are some ways you can redecorate your home and save some money in the process by choosing the right card.

0% Offers: If you plan on using credit to redecorate your home, you should first take a look at the cards that offer 0% rates. There are many credit cards on the market today that offer special 0% introductory rates for new card members. This means you won’t pay any interest on your purchases for a specified amount of time. Typically, cards offer these special rates for the first 6 to 12 months of your card membership, but there are even some cards that offer 18 to 20 months of interest free. As lo

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But only 56pc of people pay off their bill in full each month, with 7pc estimating that it will take them more than three years to clear their debt.

Az Alibhai, the head of credit cards at the Post Office, said: “January has been a tight month for many of us, especially with the long wait until payday, and we can see that many people are falling back on credit cards to ease the costs of day-to-day living.

“If the debt is managed sensibly and paid off quickly, this can be very effective. However, if you don’t pay off the bill in full, it can be a pricey way to fund daily purchases.”

Opinium Research questioned 2,102 people during January.

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With credit card companies desperately vying for the attention of prospective customers, there have never been more rewards credit card offers available on the market. Fortunately, the majority of rewards credit cards provide some form of benefit or discount which can be extremely advantageous when one is planning for or is enjoying a vacation. The following are five ways that a rewards credit card can save money on a vacation.

1. Gasoline Discounts

Some credit cards, commonly known as gas rewards cards, provide a specific rebate percentage for each gasoline purchase. At the end of the rewards period, a check or certificate is mailed to the cardholder for the total amount of all of the rebates applied to the account during that year. Other cards may provide these rewards in the form of a balance credit, while others may send out rebate checks on monthly basis rather than annually. Using one of these cards to purchase gasoline while on vacation can save anywhere from 3% to 10% of the total gas expense.

2.

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The Public Savings Bank OPEN SKY Secured Visa is a secured credit card that allows people with no credit or damaged credit to improve their credit history. This card has a low 9.75% APR on all purchases and an 18% APR on cash advances. There is no application fee and no monthly fees for this card. A minimum $200 to a maximum $3000 is required to secure your line of credit and is deposited into an FDIC-insured bank account. Payment activity is reported to the three major credit bureaus to help increase your credit score. The Public Savings Bank OPEN SKY Secured Visa offers many services and benefits such as:

• No credit check and no application fee
• Timely credit bureau reporting
• Online account access
• $0 Fraud Liability
• Auto Rental Insurance
• Travel and emergency assistance

Rates and Offers
The Public Savings Bank OPEN SKY Secured Visa has a low 9.75% APR on all purchases and an 18% APR on all cash advances.

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