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  Apply today.  Credit card  options are available for all credit situations.  We did the research so you don't have to.  Low interest credit cards, rewards cards, mileage cards, available at  UpFront Financing.  
 
Avoiding debt...managing your credit wisely
by Bankrate.com   

The ability to buy something now and pay for it later creates an obligation to repay the debt. The longer you take to pay off the balance, the more it will cost you in interest. So, managing your credit wisely requires self-discipline so you are able to score well with credit grantors.

All your financial habits are tracked by your credit grantors, such as banks and retail stores. These creditors report their experiences to the credit bureaus, such as Trans Union, Experian (formerly known as TRW) and Equifax.

Creditors use a scoring system to judge whether you meet its criteria. For example, you receive more points if you own your own home and have lived there several years, held a job for a long time, have large balances in your bank accounts and have handled credit responsibly with previous creditors. If you job hop or move frequently, and pay off your debts late, you receive far fewer points. Unfortunately, you don't see your credit score, which is compiled each time you apply for credit.

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Welcome  -- If you’ve got reasonably good credit, odds are you receive credit card offers in the mail all the time. Some of those offers may sound pretty tempting, too—with high credit limits and low interest rates.  As a smart consumer, you need weigh the pros and cons of each credit card you consider. We've researched hundreds of credit card programs and narrowed the field down to a few options that suite each type of credit circumstance.  Have a look.

  
Company   Quick Facts   In Their Words...
 


Citi® Consumer Credit Cards

 


Credit Required:
For those with good to excellent credit

Citibank offers a great choice of cards with rewards, 0% APR for up to 12 months, low ongoing APR, no annual fee and instant online decision. Citi Platinum, Dividend, Diamond, Drivers, Upromise, and AT&T Universal Cards.

Programs Offered:
Rewards Credit Cards
Value Credit Cards
Small Business Credit Cards
College Student Credit Cards
Retail Credit Cards

  


From travel to cash back (and anything else you can imagine), learn about all the types of rewards Citi has to offer, then select the card(s) that interest you and compare.

With a value card, you’ll get the purchasing power you need, advanced security and protection services, and more. It’s the perfect option for building your credit history. More >>
Company   Quick Facts   In Their Words...
 


First Premier Bank



 

  


Credit Required:
Programs for fair to bad credit situations

Cards Offered:
Platinum Card
Gold MasterCard®
Centennial Visa
Centennial Gold

 


First PREMIER Bank offers secured and unsecured credit cards. Get your Credit back on track!

Company   Quick Facts   In Their Words...
 


Capital One

 

 

  


Credit Required:
Programs for all types of credit available

Cards Offered:
No Hassle MilesSM Rewards
Capital One® No Hassle CashSM Rewards Card
Capital One® Platinum
Above Average Credit
Credit Needs Improvement
Limited Credit History

 
Capital One offers credit cards for frequent flyers and shoppers who want to redeem rewards for travel, merchandise or cash back. Capital One also features platinum Visa and MasterCard credit cards with competitive rates designed for all types of credit.
 
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