Credit Card News You Can Use

Credit Card News You Can Use�

http://www.frankfordfinancial.com — Thu, 03 Feb 2005 15:44:00 -0600

Brought to you by FrankfordFinancial.com � Official Business Partner of Advanta, American Express, Bank of America, Chase, CitiBank, Discover, Household Bank, Mastercard, Orchard Bank and Visa Credit Cards.

Professional Advice & In-Depth Credit Card News Topics
Low Interest Credit Card Savings Tips, Credit Card Shopping, Credit Card Comparisons, Free Credit Reports, Do-It-Yourself Credit Repair, Credit Card Surveys, Credit Card Scams, Credit Card Fraud, Identity Theft Protection, Credit Card Statistics, Credit Card Glossary, Credit Card Laws, Credit Card Considerations for Women and Minorities, Credit Card History and Technology.

Low Interest Credit Cards
Credit card applications from all major Banks and Credit Card Issuers. Compare offers side by side and find a credit card that's right for you. Offering: low interest credit cards, frequent flyer cards, cashback credit cards, business credit cards, student credit cards, bad credit-credit cards, debit cards, prepaid credit cards, secured credit cards. Offers available for those with bad credit, no credit, good credit, excellent credit, and students. Instant online approvals when you apply here.

* The intent of our news articles is consumer advocacy�to empower you with relevant, factual information that can help increase your knowledge of personal finance. The tools and information provided in this section will help you make informed choices which in turn can save you money. You won't find any advertisements or hype inside these pages�just the facts about credit cards.

Credit Card News You Can Use� is updated weekly.

Credit Card Tips That Will Save You Money

info@frankfordfinancial.com — Fri, 04 Feb 2005 12:36:36 -0600

Maximizing value from your CashBack, Points or Rewards Low Interest Credit Cards:
If you're not gaining the amount of CashBack, Points and Rewards that you'd like, here's a suggestion-use your CashBack, Points or Rewards Credit Card for absolutely every single purchase you make. But! Do it in conjunction with the checkbook you'll use to pay your monthly bill. After every purchase using your CashBack, Points or Rewards Credit Card, record the purchase in your checkbook as a debit. At the end of the month when the bill comes you've already allotted for the amount necessary to pay your balance because you've been debiting it's charges in your checkbook register all along. So when you pay the bill it won't hurt a bit. Obviously this method requires discipline but just think of what you could earn over the course of a year's expenses.

Gasoline Credit Cards: Reduce Your Cost Per Gallon

info@frankfordfinancial.com — Sat, 05 Feb 2005 10:13:16 -0600

Reduce the price per gallon yourself try a CashBack Gas Card from one of our Banks. Secure it to your Car's KeyChain or KeyRing or Apply for one of our unique Car KeyChain Gas Cards then your Gas Card is readily available every-time you gas up. Some of our cards offer as much as 10% CashBack on every fuel purchase. Gassing up that big SUV could save you over $6.00 a tank...but whatever you drive you're reducing the price per gallon. Example $1.89 per gallon gas falls to $1.70 per gallon when you use our best CashBack Gas Card - The Discover Platinum Gas Card - Earn Up To 10% Cash Back on Gasoline Purchases >

Too Many Credit Cards May Be Affecting Your Credit Rating

info@frankfordfinancial.com — Sun, 06 Feb 2005 08:40:18 -0600

Some Financial Advisors use The Old School rule of thumb and tell you cut up every Credit Card that you aren't using, others might tell you to acquire as many Credit Cards possible within the guidelines of your credit rating-that it makes you appear more credit-worthy to lenders. Truth is, it's more complicated than that. The number of credit cards you carry should be a decision based on several factors including your FICO score, current credit card debt ratios, other debt ratios, and your overall current financial standing. You can review your FICO scores and get a Free Credit Report from the main 3 Credit Bureaus here. Yes, A Free Credit Report. This is NOT a pop-up ad or a 3rd party report that baits and switches with something to sell. This is the do-it-yourself process for The Big 3: Equifax, Experian, and TransUnion LLC.

And, why should you care about your credit report? It determines the rate at which you can borrow money and how much money lenders will extend. It's also something that potential employers can review during the hiring process. Many employers will equate a bad credit rating or a so-so credit rating with your overall personal character. Scary, but true. Your credit rating may not seem important today, but it can come back to bite you if you don't stay on top of it.

What Might Be A Good First Credit Card For Those With A Limited Credit History

info@frankfordfinancial.com — Sun, 06 Feb 2005 17:44:34 -0600

Attention students and first time credit card applicants: Here's some tips on what might be a good strategy in being approved for your first major credit card.

#1�It is very important to remain current on all of your bills. Not doing so will certainly jeopardize your Credit History and FICO Scores. Establishing a consistent payment history will help you qualify later for the major credit cards.

#2�You could also try applying to a Department Store or an Oil Company's Gas credit card, and see if you get approved. Those credit cards can be a good initial starting point. Carrying a small balance on Department store credit cards or Gasoline credit cards can be a good idea because it shows Creditors that you can handle an outstanding balance.

#3�Another approach would be to start with a Secured Credit Card. With secured credit cards you place a deposit with the Credit Card company and they provide you with a Credit Card. Often times this can help in establishing or rebuilding your...

Consolidate Your Credit Cards & Save

info@frankfordfinancial.com — Mon, 07 Feb 2005 08:31:26 -0600

Too much charging during the holidays? Here are some tips to save you money.

One approach might be to transfer your balance to another Credit Card at a lower interest rate with a No Balance Transfer Fee. That might help you pay down your balances quicker because a larger amount of your monthly payment would be going toward paying the principal instead of finance charges.

Pulaski Bank has an outstanding value with such a Credit Card that we're currently offering at 4.75%, Yes, 4.75%! But, keep in mind you will need an absolutely Perfect and Superior Credit Rating for approval to the Pulaski Bank Credit Card. Even though this Credit Card has a $35-$50 (gold is $50.00) annual fee, this Credit Card can be a very good solution if you carry high balances on other Credit Cards.The intro rate is 0% on Balance Transfers for 6 billing periods, and then the Annual Percentage Rate (APR) is only 4.75%. There is no Balance Transfer or Cash Advance Fees, and the Pulaski is one of the few Credit Cards still having a 25-day grace period.

Whatever you decide, we offer options for all credit ratings in our Balance Transfer Section >

* Keep in mind�too much transferring of balances then cancelling the card is frowned upon by Banks and Issuers. We recommend finding a couple good value credit cards and sticking with them.

Microwave Your Personal Financial Data!

info@frankfordfinancial.com — Mon, 07 Feb 2005 13:55:42 -0600

With so much credit card and identity theft these days, we recommend storing your personal financial data on cd's. That way data isn't exposed to lurkers on your hard drive, you access it only when you need it and you've always got a back-up. It's also a good idea to burn an extra cd of all your stuff and put it in your bank's safety deposit box.

When you need to destroy that data--place the cd in a microwave for 1-3 seconds. The data will disintegrate and you'll see a very colorful lightshow, then hear a slight popping noise. You can be assured the disk will no longer be readable. Remember 1-3 seconds only.

Your ex-Spouse Could Be Ruining Your Credit

info@frankfordfinancial.com — Tue, 08 Feb 2005 07:34:13 -0600

With joint credit card accounts, one person is the primary account holder-but on most credit card agreements, the fine print holds you both accountable and your credit rating will be judged accordingly. If you're not the primary account holder, protecting yourself against your ex-spouse making further charges is critical. The account stays open as long as there is an outstanding balance on such accounts. What to do:

Step 1�Get those balances paid down as soon as possible.

Step 2�Write a letter to the bank or credit card issuing company explaining that you will not be responsible for any new charges made to the joint account as of the date of your letter. Mail the letter certified, signature required, save the mailing receipt with a copy of your letter for future reference. Don't expect a phone call or email to work for you in this situation.

Step 3�Get a copy of your credit report, (see how in our free credit card reports news article) review it thoroughly to ensure there are no red flags. If you discover any strikes against you, dispute these errors with the bank or issuer immediately and reference the letter you sent them. You may learn of credit card accounts your spouse opened without you ever knowing it.

Step 4�After reviewing your credit report, you should apply for one credit card solely in your name, just one credit card, because applying for a lot of credit cards could cause you to be perceived as someone who is financially strapped and desperate for credit. Timely payments to this new account will start you on your way to re-building what could be a damaged credit card rating. It will take some time to re-build your credit history-we recommend...

New Ruling by Federal Trade Commission-Free Credit Reports. Yes, Free.

info@frankfordfinancial.com — Wed, 09 Feb 2005 08:40:04 -0600

Don't you just hate it when someone offers you a free something or other but by the time you click or call turns out it wasn't free after all? You've probably seen the blinking pop-up ads for "Free" Credit Reports - A lot of these services are bait and switch - your "Free" Credit Report winds up costing between $19.95 and $49.95 for something you can do on your own.

The new ruling recently announced by the FTC will certainly benefit consumers. The FTC's final ruling under the Fair and Accurate Credit Transactions Act now allows all Americans to receive one Free Credit Report annually.

The new law is rolling out geographically according to this schedule:

Dec. 1, 2004-Alaska, Arizona, California, Colorado, Hawaii, Idaho, Montana, Nevada, New Mexico, Oregon, Utah, Washington, and Wyoming

March 1, 2005-Illinois, Indiana, Iowa, Kansas, Michigan, Minnesota, Missouri, Nebraska, North Dakota, Ohio, South Dakota, and Wisconsin

June 1, 2005-Alabama, Arkansas, Florida, Georgia, Kentucky, Louisiana, Mississippi, Oklahoma, South Carolina, Tennessee, and Texas

September 1, 2005-Connecticut, Delaware, District of Columbia, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, Vermont, Virginia, West Virginia, Puerto Rico and all U.S. territories. Get your report now by visiting www.annualcreditreport.com or call 877-322-8228

* If your state is not currently participating visit us for the contact information you'll need to get your free credit report now.

Why should you care about a Free Credit Report?
Banks, lenders and credit card issuers base interest rates and approvals on your credit rating. As you improve your Credit score, you pay less to borrow. For example, on a $150,000 30-year, fixed-rate mortgage: having a so-so credit rating could make for an interest rate over 10% which makes for a monthly mortgage note in the ballpark of $1300. A good Credit Rating in this scenario would qualify you for a rate as low as 5%, making that monthly mortgage payment roughly $800.00. You may not care about your rating today, but later in life when it comes time for that big purchase...

Tis The Season For Balance Transfers

info@frankfordfinancial.com — Wed, 09 Feb 2005 10:01:48 -0600

All that stuff you charged during the Christmas shopping season? You might wind up paying a boat-load in interest if you're not careful. It may be time to think about a balance transfer.

By defintion a Balance Transfer is the act of transferring the whole or partial balance of one credit card to another credit card. This is usually done by transferring balances of higher interest rate credit cards to a low interest credit card. One thing to look out for are Balance Transfer Fees - A fee that is charged to cardholders for processing the transfer of a balance from one card to another. These fees can range from $50 to $100 and are not always apparent, so make sure you're well informed before applying for a new balance transfer credit card.

No wonder the consumer top picks for Balance Transfer Credit Cards in 2005 are Blue Cash from American Express > and Chase Cash Builder > they let you transfer balances Fee-Free...

How To Use A Points Card To Your Advantage

info@frankfordfinancial.com — Thu, 10 Feb 2005 15:21:03 -0600

Use your Points Card for every purchase possible in conjunction with the checkbook you'll use to pay your monthly bill. After each purchase, record it in your checkbook as a debit. At the end of the month when the bill comes you've already allotted for the amount necessary to pay your balance in-full because you've been debiting it's charges in your checkbook register all along. And, by year's end, you will have accumulated enough points for a dream vacation.

If you want to accelerate this strategy 5 times faster - check out The New CitiBank Diamond Card - this new promotion gives you 5X Points and a Free $50.00 Sign-Up Reward. more proof that "Saving you money is what we're all about."

BLUE For Free Music Downloads

info@frankfordfinancial.com — Fri, 11 Feb 2005 07:27:29 -0600

All year long, Blue from American Express� gets you special access to concerts, music downloads, charity events, and more. For every 10 songs you purchase on MSN Music with Blue, you�ll receive one free song credit. There�s no limit to the number of free credits you can earn, so the more songs you buy...

Be Your Own Credit Counselor

info@frankfordfinancial.com — Sat, 12 Feb 2005 08:20:28 -0600

When you hire a third party Credit Counselor or Debt Consolidation Agency-Buyer Beware. You may be doing yourself more harm than good. Many of these companies prey on your feeling of being trapped in debt and craft their sales pitch with your vulnerabilities in mind. Their jig is up - some states in America are now asking these types of businesses to leave because their services are not in the best interest of the consumer. And let's say, if the company you've hired to repair your credit is suddenly asked to leave your state...will they refund the money you've already paid them?

Repairing or Re-building your credit ain't rocket science...all the tools you need to do it yourself for free are right here.

Visa Says Debit Cards Are Gaining In Popularity

info@frankfordfinancial.com — Sun, 13 Feb 2005 09:01:34 -0600

Visa says that the use of debit cards reached record volumes in 2004 as spending increased 19.7 percent to $346 billion. Volume on prepaid cards grew 112 percent over last year. Debit and prepaid cards have been gaining popularity during the past several years as consumers have begun to prefer noncash methods of payment...full story > http://www.forbes.com/business/feeds/ap/2005/02/08/ap1813046.html

What's so hot about Debit Cards? learn about their benefits, the different types, their differences, and why both young and old are flocking to them. FrankfordFinancial.com/Debit-Cards

Pre-Paid Cards Also Gaining Popularity

info@frankfordfinancial.com — Mon, 14 Feb 2005 08:41:22 -0600

They can be the perfect budgeting tool - if there's no money loaded on the Pre-Paid Card, it doesn't have any purcashing power - probably why parents with college students like these cards so much. Parents can set a budget and teach their children financial responsibility and encourage disciplined spending.

They will keep you out of trouble...You fund Pre-Paid Cards through transfers from your bank account or directly from your paycheck. You decide how much money you'd like to load onto your card and you can enjoy all of the benefits of a regular credit card, but with no finance charges, no security deposits, no credit checks, and no bank account required.

Pre-Paid Cards let the cardholder "Pay-As-You-Go". These cards can be a good solution for those who don't like credit cards, or for those with damaged or no credit history, or for the pure convienence...

Credit Card Terminology - A Guide To Understanding Your Statements

info@frankfordfinancial.com — Tue, 15 Feb 2005 09:09:24 -0600

Knowledge is power...This reference will help you understand terms and conditions printed on your monthly credit card statements.

How To Protect Your Credit Cards

info@frankfordfinancial.com — Wed, 16 Feb 2005 14:18:41 -0600

Xerox the front and back of every card in your wallet and place that xerox copy in a safe place. If your credit card is ever lost or stolen call the credit card issuer immediately. Notifying the credit card companies will be easy because you have a record of your card number and the telephone number for customer service which is always printed on the back of all credit cards. Read more about fraud and protecting your identity...

FYI: CitiBank credit cards have built in identity theft protection - another reason why CitiBank credit cards are gaining in popularity.

What's In Your Magnetic Strip?

info@frankfordfinancial.com — Thu, 17 Feb 2005 14:41:40 -0600

Discover the personal data that is encoded on the magnetic strip of your credit card. What you find could shock you. You can purchase a reader that connects to your computer for around $75.00. Or unleash your inner geek...build your own magnetic strip reader with parts from Radio Shack.

Instructions on how to build your own magentic stripe reader for less than $40.00 >

Getting The Best Deal On Your Next Credit Card

info@frankfordfinancial.com — Fri, 18 Feb 2005 09:00:55 -0600

Keep these tips in mind when looking for a low interest credit card:

� Shop for the plan that best fits your needs and lifestyle-for example if you travel a lot, review the benefits of airline and rewards cards. If you shop a lot, finding a good points credit card will return dividends.
� Make sure you understand a plan's terms before you accept the card. It's up to you to ask questions and read the fine print. We offer full disclosures of terms and conditions when you click on the "apply here" button of any credit card offer.
� Most importantly. Educate yourself before shopping and comparing. There are hundreds of articles in our credit card news section that will inform you of smart choices.

Sell Or Trade Your Unwanted Gift Cards

info@frankfordfinancial.com — Fri, 18 Feb 2005 08:49:05 -0600

There are some new websites popping up that allow people to trade or sell their unwanted gift cards. An Associated Press article about one of them, CardAvenue.com, said a Denver man bought a $25 Target gift card online for $17. Site goers are trading everything from Starbuck's Coffee Gift Cards to Saks Fifth Avenue gift cards and saving a lot of money in the process.

Discover's New Business Plan

info@frankfordfinancial.com — Sat, 19 Feb 2005 08:39:32 -0600

Credit card giant Discover is charging ahead with plans to forge bank partnerships, enter overseas markets and build a leading debit card business even as critics...

learn more at reuters.com >

CitiBank Announces 4 New Credit Cards

info@frankfordfinancial.com — Sat, 19 Feb 2005 17:23:51 -0600

1.Citi� Premier Pass(sm) Credit Card

2. AT&T Universal Credit Card

3. AT&T Universal Platinum Credit Card

4. Citi� Bronze� / AAdvantage� MasterCard

6 Month Survey Of Banks & Card Issuers

info@frankfordfinancial.com — Mon, 21 Feb 2005 07:27:13 -0600

This survey is published only once twice per year. It includes information from the largest credit card issuers in the country. A comprehensive spreadsheet lists the institution, it's credit card plan and availability, the APR, type of pricing, index, grace period, annual fee, features and benefits and the telephone number of each bank.

The History & Technology Of Credit Cards

info@frankfordfinancial.com — Wed, 23 Feb 2005 07:44:51 -0600

Everything you could possibly want to know about the evolution and technology behind credit cards. From physical specs, smart chips, pin generation, and magnetic strip data encoding...this is an in-depth article on how credit cards work.

Bad Credit Credit Cards

info@frankfordfinancial.com — Thu, 24 Feb 2005 08:37:56 -0600

We've added a large section to our website dedicated specifically to those with damaged credit. There is a wealth of information you can use to re-build your credit without having to hire a third party to do it for you. You won't find flashy ads or hype, just the facts about re-building, repairing and settling disputes with creditors and how to escalate problems to the highest authorities.

You will also find the Top 10 bad credit credit cards preferred by consumers in the USA-when used wisely these cards can help re-build your credit rating since they report to all 3 Credit Bureaus monthly. Our advice when re-building: educate yourself, trust no one, read the fine print and question everything.

Do-It-Yourself Credit Repair > It will take an hour to read, but can save you a bundle.

Top 10 Consumer pick Bad Credit Credit Cards > most people use The Orchard, First Premier or Aspire Visa.

Bank of America Announces New Credit Cards for Jeep, Chrysler & Dodge Lovers

info@frankfordfinancial.com — Fri, 25 Feb 2005 07:03:53 -0600

These cards earn points toward Jeep, Chrysler and Dodge products and services.

Key Benefits-1.9% APR on purchases and balance transfers, 2,500 bonus points after your first purchase with the card, 5 points per dollar on purchases made at any Jeep, Chrysler or Dodge dealership.

For the true motor enthusiasts these cards offer good value. Consider this-if you're spending say 2 to 3 thousand dollars a month on rent, gas, food, auto parts, etc...If you were to use a Jeep card for all these purchases you would rack up points in a hurry, then you could cash in those credit card points at the Jeep dealer for some nice Jeep accesories or a tune-up.

Credit Card Branding - Is Cash Becoming A Thing Of The Past?

info@frankfordfinancial.com — Sat, 26 Feb 2005 09:31:09 -0600

Consider the facts: This past holiday season, by far the best-selling gifts were gift cards�$20 billion of them, or about 11% of all holiday purchases. Each card sported the logo of a retailer or financial services brand.

Year-round, over two million American workers at companies such as FedEx, McDonald's, UPS and Sears receive their wages in the form of payroll cards. Like gift cards, payroll cards contain a pre-loaded value that can be used at retailers. And like gift cards, these cards are branded with the employer's logo.

Millions of college students use branded cards for meals, books and other purchases. When this generation graduates and moves up the economic ladder, how much patience will they have for good old-fashioned cash?

Full Article is at BrandWeek > Cash as we know it is an endangered species...

Innovation From MasterCard - The Credit Card Of The Future?

info@frankfordfinancial.com — Mon, 28 Feb 2005 07:11:20 -0600

Perhaps some of the more exciting recent news regarding MasterCard is in it's technological innovation sorrounding the introduction of PayPass.

Just one tap of your MasterCard PayPass card on the PayPass reader at participating locations and you're good to go. It works just like your traditional MasterCard card - but no more swiping or giving your card to cashiers. No fishing for coins or waiting for change. MasterCard PayPass makes the transaction process simpler and quicker for all - at fast food restaurants, convenience stores, movie theaters, and more.

The benefit to the merchant-With a quick tap of their MasterCard PayPass cards, your customers can speed through PayPass enabled check-outs with ease. Just tap and go! No waiting, no signing. You win when customers spend less time on line and their purchases are not limited to cash on hand. They may even come back more frequently.

Bank of America Missing Data - What to do if you're a Bank of America Customer

info@frankfordfinancial.com — Mon, 28 Feb 2005 08:17:18 -0600

You've probably already heard on the national news today that Bank of America is missing customer data tapes containing personal information on up to 1.2 million federal employees, including some members of the U.S. Senate, including account numbers, social security numbers and passwords.

Unless you are a celebrity or one of the 60 US Senators who were affected there is no cause for alarm since most hackers are only interested in high profile mischief.

But if you want to check on your account call: 800-472-1424.

If you want to place a Fraud Alert with the credit agencies, call:
Equifax: 800-525-6285
Experian: 888-EXPERIAN
TransUnion: 800-680-7289

For in-depth information regarding fraud, identity theft, loss and what to do to protect yourself...or what to do if you're a victim, visit our News Section. It is a comprehensive resource for all things related to credit.

Banks & Card Issuers Are Changing Late Fee Structure

info@frankfordfinancial.com — Tue, 01 Mar 2005 08:29:29 -0600

Some of the major card issuers are changing their late fee structure to a tiered structure. The fee will now be asessed according to your outstanding balance. This includes late fees, charging over-the-limit fees and penalty rates-we saw some fees as high as $40.

According to a survey by Consumer Action, an advocacy organization, 48 percent of the card issuers surveyed are incorporating tiered late payments tied to the cardholders balance, that's up 28 percent as compared to 20 percent in 2003.

All the more reason to make sure your payment is on time.

TIP: If you travel a lot or if you're a procrastinator, consider online banking with automatic bill-pay features. Most banks and card issuers are offering this service for little or no fee. Online auto-pay can save you a lot of time and money. AND, more importantly it will keep late-pay-strikes off of your credit rating.

Tax Preparation - Do It Yourself. It's Not Rocket Science.

info@frankfordfinancial.com — Wed, 02 Mar 2005 08:07:32 -0600

This was a nice little cost saving tip we discovered while shopping for tax preparation software at Office Depot yesterday. After gathering up 3 boxes of turbo tax we were in the check-out line and met another business owner who was doing the same. He clued us in on the inner workings of tax preparation-you only need to buy the software packages if you want to save files to your hard drive and complete your taxes over a period of time at different sessions. Otherwise, it makes a lot of sense to do it yourself for free using the online application at turbotax.com. (and by the way...the software you'll buy for 2004 will be useless in 2005 because the tax laws change yearly)

As you might guess, we left the $100 worth of software at the store and did it all online for free. Well, almost free. We certainly saved the $100 on software and by-passed our accountant's estimate of $600 for him to do the paper work.

Doing the work ourselves was easy. Just a simple online application with easy to follow menus that prompt you through the entire process. All you pay is the e-file transmital fee, which starts at just $9.95.

ps-this is not an ad for Turbo Tax. Just a recant of a wonderful frugal experience.

"...The Best Savings Account In America..." Money Magazine

info@frankfordfinancial.com — Thu, 03 Mar 2005 07:40:03 -0600

This is BIG news for the frugal-minded. ING DIRECT� announced today it has increased it's High Yield Orange Savings APY to 2.60%.

It is now the top paying money market/savings account in America with interest earnings 2 to 3 times greater than standard passbook savings accounts.

For comprehensive information regarding ING DIRECT� Orange Savings follow this link.

Negative Credit Can Put A Squeeze On Your Job Search

info@frankfordfinancial.com — Fri, 04 Mar 2005 08:12:06 -0600

Bad credit can affect your ability to get more credit. But did you know it can also affect your ability to get or keep a job? Employers often use a credit report when they hire and evaluate employees for promotion, reassignment or retention. More...

"Thank You" From CitiBank

info@frankfordfinancial.com — Fri, 04 Mar 2005 08:40:37 -0600

CitiBank is proving that it is THE up and coming Card Issuer. Citi is consistently gaining market share by providing smart choices to consumers as evidenced by the introduction of the "Thank You" program. You've probably seen the television and print campaigns from CitiBank introducing "Thank You" Rewards.

The benefits of the Thank You program rival any rewards program in the industry. The top performer in this new line of products (Citi Premier Pass) is already becoming a hit with small business owners and consumers who frequently travel.

There are several choices of cards in this line up but the Top Consumer Choice from this line is the Citi Premier Pass(sm).
� It offers 0% APR On Balance Transfer For 12 Months*
� 1 Point For Every 3 Miles You Fly On Any Airline - Up To 50,000 Per Calendar Year*
� 1 Point For Every Dollar You Spend - Up To 100,000 Per Calendar Year*
� Redeem For Merchandise Or Travel On Any Airline - No Blackout Dates
� No Annual Fee - (one of the few Citi cards that does not have an annual fee)

Add Your Financial Services URL

info@frankfordfinancial.com — Fri, 04 Mar 2005 08:55:17 -0600

We will be performing site maintenace during the month of March to offer more relevant content resources to our customers. If you would like to reciprocate please contact us during this time of construction.

Learn about the benefits of linking to us and how it can help boost your site's popularity. This section also describes in full detail the facts about linking according to Google, Yahoo! and MSN.

What's Your Financial Sign?

info@frankfordfinancial.com — Mon, 07 Mar 2005 06:44:07 -0600

When It Comes to Money, Is Your Future a Horrorscope? By Suze Orman > (an interesting article that relates personal financial and spending behaviours with particular signs. ie: the bull, the ostrich, the octopus)

As always, Suze's books and Fico Kit can be found at the bottom of our homepage >

Vertical Search To Enhance Shopping Experience

info@frankfordfinancial.com — Mon, 07 Mar 2005 06:42:02 -0600

Conducting a search at Google.com for the word "credit card" returns over 33 Million results. How can a customer or business owner possibly find what they really want in such an ocean of data? Relief may be on the way.

JupiterResearch, a division of Jupitermedia Corporation projected in its newly released report, "Vertical Search: Early Marketers Will Reap Rewards of Low Pricing," that the search industry will develop in much the same way historical media markets before it have, with the broad-based search engines spawning a raft of vertical search engines dedicated to specific categories...Full article is at Yahoo >

Avoiding Credit Card Fraud

info@frankfordfinancial.com — Tue, 08 Mar 2005 08:11:27 -0600

This is an extensive section focused on how to avoid credit card scams and what to do if you're a victim. It's a very long read but contains everything you'll need to know and who to contact should your information ever get in the wrong hands. Thousands of thiefs scour through dumpsters on a daily basis in search of credit card numbers-it's a big racket, especially in large cities.

The easiest form of prevention? A paper shredder. Casual disposal of credit card bills and personal mail is a leading cause of fraud. Amazon.com has shredders starting at just $15, some of them even shred cd's and credit cards >

Credit Card Convienence Checks - Are They The Right Choice For You?

info@frankfordfinancial.com — Wed, 09 Mar 2005 12:01:44 -0600

You've probably recieved convienence checks from your credit card issuer. These checks can be used for quick and easy balance transfers. They usually have a low interest rate and may provide a good quick fix for some. BUT, before you use these checks it's a good idea to call the check issuer and ask if there is a balance transfer fee involved with using the checks. Once you're clear on that issue it's also a good idea to call the issuer from which you are transferring the balance from, to find out if there is penalty on their end for you to transfer that balance.

It's possible they will make you a comparable offer in order to retain you as a customer.

Remember, read the fine print, negotiate and question everything.

A Shrinking APR from American Express�

info@frankfordfinancial.com — Wed, 09 Mar 2005 12:46:35 -0600

Now you can shrink your rate down to a 0% APR on each purchase of $500 or more with Blue Cash from American Express from April 1, to April 30, 2005.

There's no fee to enroll and it's as easy as calling Amex at 1-800-297-1079 by March 28, 2005. (for current card holders of Blue)

To learn more about Blue Cash follow this link for detailed features, benefits and online application for Blue Cash.

Bank of America Acquires Fleet Bank

info@frankfordfinancial.com — Thu, 10 Mar 2005 12:34:31 -0600

As the merger of Fleet and Bank of America nears completion this summer, Bank of America will be updating their products and services.

Fleet customers can stay informed about changes to their accounts by monitoring www.fleet.com/bankofamerica or by calling 1-800-841-4000

Verified By Visa - Protect Your Visa Card Online With A Personal Password

info@frankfordfinancial.com — Thu, 10 Mar 2005 13:07:12 -0600

Visa provides reassurance that only you can use your Visa card online. You�ll get the added confidence that your Visa card is safe when you shop at participating online stores.

learn more about Verified by Visa by visiting the Visa Verification Website >

Visit our Visa category to learn about the Visa brand, it's history, innovation and current offerings >

The Difference Between PrePaid Credit Cards & Debit Cards

info@frankfordfinancial.com — Fri, 11 Mar 2005 13:23:39 -0600

credit cards can be an important step in re-establishing your credit rating. They can provide a second chance in helping you re-build or repair your good credit rating. They also make good common sense and can keep you out of trouble when the desire to purchase takes over-if the money is not available on your prepaid credit card, then you won't be charging anything.

Typically, you fund prepaid credit cards through transfers from your bank account or directly from your paycheck. You will decide how much money you'd like to load onto your pre paid credit card and you can enjoy all of the benefits of a regular credit card, but with no finance charges, no security deposits, no credit checks, and no bank accounts required.

Debit Cards are issued by a bank, they are used to make purchases or to get cash from ATMs. Each purchase deducts money from the cardholder's checking account and works similar to a check.A Debit card is a ISO 7810 card which physically resembles a credit card, and, like a credit card, is used as an alternative to cash when making purchases. However, when purchases are made with a debit card, the funds are withdrawn directly from the purchaser's checking or savings account at a bank.

Recent Security Breaches At ChoicePoint

info@frankfordfinancial.com — Sun, 13 Mar 2005 14:21:30 -0600

California Woman Sues ChoicePoint > A California woman has filed the first lawsuit against ChoicePoint for fraud and negligence in the wake of the company's recent disclosure that it sold personal information about more than 140,000 people to identity thieves. Read the full article at wired.com >

ChoicePoint Was Targeted Before > Two Nigerian-born siblings were arrested in 2002 on charges of tapping into ChoicePoint's vast database of personal information, a security breach similar to one announced by the data warehouser last month, the Los Angeles Times reported Wednesday. Read the full article at wired.com >

ID Theft Victims Could Lose Twice > The recent security breach at data aggregator ChoicePoint that exposed at least 145,000 consumers to identity theft and renewed a call for regulation of the data industry will likely leave victims of the breach twice bitten -- first from the identity theft itself and second from thwarted attempts to recover damages for their losses if they decide to seek recourse. Read the full article at wired.com >

Learn how to protect yourself. Read extensive articles on preventing identity theft, data loss and scams at our site.

New Gasoline Credit Card Offers & Cost Saving Tips

info@frankfordfinancial.com — Mon, 14 Mar 2005 08:13:30 -0600

Given the recent increase in gasoline prices we've added an entire section to our site that helps you save money on fuel purchases:

TIP #1: Remember to save. Secure your Gas Card to your car's keychain or keyring, that way your Gas Card is readily available and serves as a constant reminder to save money each time you fill up.

TIP #2: Some cards offer as much as 10% Cash Back on every fuel purchase. Gassing up that big SUV could save you over $7.00 a tank...but whatever you drive you�re reducing the price per gallon when you use a gas credit card with cash back features.

Example: $1.89 per gallon gas falls to $1.70 per gallon when you use the top consumer choice CashBack Gas Card�(The Discover Platinum Gas Card) because it pays you 10% back on fuel purchases. That's a savings of 19 cents per gallon...may not seem like much until you calculate the savings over the course of a year. And if you travel a lot or run a small business with a lot of fuel expense, this strategy could save you a bundle.

The Top 6 consumer choices for gasoline credit cards in America:

� The Discover� Platinum Gas Card (also includes a keychain gas card)
� The Chase PerfectCard(TM) Credit Card
� AT&T Universal Rewards Credit Card from CitiBank
� Marathon� Platinum Mastercard� From Chase
� HESS� Visa� from Chase
� Speedway SuperAmerica Platinum MasterCard� from Chase

Low Interest Credit Card

info@frankfordfinancial.com — Tue, 15 Mar 2005 07:07:45 -0600

Extensive articles on comparing low interest credit cards added today. Contains useful information you need to know when selecting the best value low interest credit card.

New low interest credit card offers from Chase, CitiBank, AMEX, Pulaski & Discover also added--0% introductory APRs with fixed rate APR's starting at 4.75%.

Gas Prices Hit All Time High - Fight Back With A Gas Rebate Card

info@frankfordfinancial.com — Wed, 16 Mar 2005 13:11:24 -0600

The price for a gallon of gas hit $2.00 today. You could bitch and moan about it, or lower it to $1.80 per gallon just by using a gasoline credit card.

Our Best Offer:
� 10% Cash Back on your fuel purchases with The Discover Gas Card.

Our Newest Offer:
� Free $50.00 Sign Up Reward and 5 Points for every dollar you spend at Gas Stations with the new CitiBank Diamond Preferred Rewards Card.
Repeat: $50.00 - FREE !

Exploring Personal Finance Audio Books

info@frankfordfinancial.com — Fri, 18 Mar 2005 08:47:22 -0600

Let's face it, reading personal finance books can be sort of dull sometimes. And time consuming. We all need more financial education, but who has the time?

We've discovered new ways of staying informed while drving to and from the office - burning iTunes audio books to cd's for playback in the car. It sure makes the drive more enjoyable and helps pass the time while making productive use of time.

There are now thousands of choices of audio books at the iTunes music store available for instant download, written and spoken by America's leading financial advisors from Suze Orman to Donald Trump. Many of the audio book prices are actually lower than the price of the hard copy books.

We've found a few audio books of particular use from renowned author Robert Kiyosaki - you've probably seen his television lecture series "Rich Dad" on PBS.

Kiyosaki puts it this way: A popular TV personality often says, "Take your credit cards and cut them into pieces." While that is sound advice for people who are not financially responsible, it is inadequate advice for anyone who wants to become rich or financially free. In other words, just cutting up your credit cards will not make you rich. What does make you rich is financial education...unfortunately a type of education we do not receive in school. If a person has a solid financial education, they would know that there are two kinds of debt: good debt and bad debt. A person with a sound financial education would know how to use good debt to make them richer faster...much faster than a person who only saves money and has not debt.

We all need more financial education. We need to know how to have our money work hard for us so we don't have to spend our lives working for money. That is why we need more sophisticated financial education...not oversimplified and childish financial tips such as cut up your credit cards or save more money. If you are ready to increase your financial education and enjoy your credit cards, then this book is for you.

New at the iTunes Music Store...Personal Finance audio books including "Becoming RIch Without Cutting Up Your Credit Cards" >

How To Save Up To 30% On Gasoline

info@frankfordfinancial.com — Sun, 20 Mar 2005 08:55:10 -0600

GasBuddy.com can help you find cheap gas prices in your city. It has the most comprehensive listings of gas prices anywhere.

It is comprised of 170 gas price information web sites that help consumers find low gasoline prices. GasBuddy.com will locate stations offering gas prices 20% less than you're paying now.

Couple that with our best cashback gas cards from Chase or Discover and you're saving up to 30% at the pump. Let's say you're currently paying $40 to fill up...locating with GasBuddy.com and paying with a Discover gas card could save you $12.

Reminder For AMEX Blue Card Holders

info@frankfordfinancial.com — Wed, 23 Mar 2005 08:13:29 -0600

Now you can shrink your rate down to a 0% APR on each purchase of $500 or more with Blue Cash from American Express from April 1, to April 30, 2005.

There's no fee to enroll and it's as easy as calling Amex at 1-800-297-1079 by March 28, 2005. (for current card holders of Blue)

To learn more about Blue Cash follow this link for detailed features, benefits and online application for Blue Cash.

Low Interest Credit Cards

info@frankfordfinancial.com — Sat, 26 Mar 2005 14:20:22 -0600

New low interest credit card offers from CitiBank added. Our recommendation: The Citi Diamond Preferred Rewards Credit Card.

Why we recommend this card: Free $50 Sign Up Reward, 0% APR and the ability to earn 5 times the points on purchases. No annual fee. Excellent credit rating required for instant online approval.

Earning More Interest On Your Savings

info@frankfordfinancial.com — Wed, 06 Apr 2005 07:00:13 -0600

ING DIRECT� announced today it has increased it's High Yield Orange Savings Account APY to 3.00%.

Learn why Frankford Financial and Money Magazine calls this "the best savings account in America"...

Gasoline Credit Cards Will Save You Money At The Pump

info@frankfordfinancial.com — Fri, 08 Apr 2005 08:06:10 -0600

With gasoline prices soaring out of control consider these cost cutting measures:

#1 Research the best price per gallon in your area:
GasBuddy.com can help you find the cheapest gas prices in your city. It has the most comprehensive listings of gas prices anywhere. It is comprised of 170 gas price information web sites that help consumers find low gasoline prices. GasBuddy will locate stations offering gas prices up to 20% less than you're paying now.

#2 Use a cashback gasoline credit card:
Our gas cards from Chase, Discover, CitiBank/AT&T, Hess and Speedway can account for an additional 10% savings on gasoline purchases.

If you're currently paying $40 to fill up...locating with GasBuddy.com and paying with The Discover Platinum Gas Card could save you approximately $12 each time you fill up.

Advanta Credit Cards - Best For Business

info@frankfordfinancial.com — Fri, 27 May 2005 14:55:54 -0600

With 0% Intro APR For 15 months, A 7.99% Fixed APR Thereafter, And 5% Cashback (Or Travel Rewards), The New Offer from Advanta Is The Best In The Industry!

New Offers From CitiBank - Earn Rewards For Summer Travel

info@frankfordfinancial.com — Fri, 27 May 2005 13:21:32 -0600

Smart choices for the summer traveler: Citi Premier Pass and Citi AAdvantage Cards

0% APR On Balance Transfer For 12 Months*

Earn 1 Point For Every 3 Miles You Fly On Any Airline - Up To 50,000 Per Calendar Year*

Earn 1 Point For Every Dollar You Spend - Up To 100,000 Per Calendar Year*

Redeem For Merchandise Or Travel On Any Airline - No Blackout Dates

No Annual Fee

Chase Offers Contactless Credit Cards

info@frankfordfinancial.com — Mon, 30 May 2005 08:10:01 -0600

The global financial services firm will issue MasterCard and Visa credit cards embedded with RFID tags to enable a contactless payment service called blink.

Read full article >

View the new low interest credit card offers from Chase >

Free Credit Reports Begin Today In The Southeast

info@frankfordfinancial.com — Wed, 01 Jun 2005 07:01:07 -0600

Beginning June 1, 2005 for the southeast region of the US.

Get your report now by visiting www.annualcreditreport.com or call 877-322-8228

Learn more about the importance of credit reports, protection against identity theft and other credit related issues by visiting our "Credit Card News You Can Use" section.

New Credit Cards From Bank One

info@frankfordfinancial.com — Sat, 11 Jun 2005 09:08:15 -0600

If you like the products and services from Starbucks, Disney, Sony, AARP, United, Southwest, Avon, Marriott, Borders and Walden Books...you'll like our new offering of Bank One Credit Cards. These cards have extensive rewards programs including our most popular offer: Disney Dream Reward Dollars(sm).

New CitiBank Credit Cards - A Smart Choice For Summer Travel

info@frankfordfinancial.com — Tue, 14 Jun 2005 08:01:26 -0600

New CitiBank credit card offers for business, consumer and students. Many with 0% APR and summer travel benefits including: high point accumulation, no blackout dates, concierge services and more...

New Gas Credit Card - $50 Sign-Up Bonus!

info@frankfordfinancial.com — Wed, 15 Jun 2005 07:05:20 -0600

LIMITED TIME OFFER: Apply Now for The Citi� Diamond Preferred� Rewards Card - FREE $50.00 per approved application.

� $50 Gift Card - Redeem 5,000 Bonus Points After First Purchase**
� 0% APR* On Balance Transfers For 12 Months
� 5 Reward Points For Every $1 Spent On Purchases At Gas Stations
� No Annual Fee
� FREE Rewards Program
� Very Good Credit Rating Required For This Special Offer

How To Protect Yourself From Identity Theft

info@frankfordfinancial.com — Wed, 15 Jun 2005 08:00:53 -0600

Identity theft has become a major issue...don't let it happen to you. Learn how to protect your identity, what to do if you're a victim, and which agencies you should contact...

The First Step In Identity Protection - Shred Everything

info@frankfordfinancial.com — Wed, 15 Jun 2005 13:55:04 -0600

...and we mean everything. It's not enough just to shred your credit card statements and banking records. We recommend you shred anything that has your name printed on it. We've pre-sorted the best paper shredders from amazon...

Paper Shredders as low as $15.00 at amazon.com>

New Visa Technology Detects Fraud

info@frankfordfinancial.com — Thu, 16 Jun 2005 09:11:49 -0600

Visa USA has unveiled technology for analyzing card transactions both individually and cumulatively across its entire network in order to detect emerging fraud patterns. The technology, called Advanced Authorization, will prevent an estimated $164 million in fraud losses over the next five years, Visa estimates.

read the full article at Yahoo! News >

Thank You - From Citi

info@frankfordfinancial.com — Mon, 20 Jun 2005 07:47:54 -0600

What Is "Thank You" From Citi?
Citi�s �Thank You� network is one of many ways that Citi stands apart from other card issuers.

More than just a rewards program, Citi has brought together a network of some of the most desirable merchants around, so the customer can get the finest in retail stores, restaurants, travel and much more.

ThankYou Network SM gives the customer many ways to get points - like simply for using your credit card the way one normally does. And because the points add up so quickly and effortlessly, the customer can get rewards a lot faster and more often than one would think. Rewards start at just 1,000 points.

Get 1 or more ThankYou Points� per $1 spent everywhere the customer shops with a participating card.

Plus, the customer can sign up to get 1-10 extra ThankYou Points per $1 spent every time one shops at our partner merchants � hundreds of great stores participate.

CitiBank Credit Cards That Offer "Thank You" :
Citi PremierPass(SM) Card
Citi PremierPass(SM) Card-Elite Level
AT&T Universal Rewards Card
Citi� Diamond Preferred� Rewards Card
Citi� Driver's Edge� Platinum Select� Card
CitiBusiness� Card with ThankYou Network(SM)
Citi� mtvU� Platinum Select� Visa� Card for College Students

Blue Play From American Express

info@frankfordfinancial.com — Thu, 23 Jun 2005 06:03:25 -0600

If you like eBay�, you're going to love this...

Blue PLAY from American Express
The Blue PLAY site is an online auction by Blue from American Express� that allows you to use Membership Rewards� points to bid on incredible experiences. There is no fee to participate in the auctions, and points are only deducted if you have the winning bid.

Benefits of participating
Blue PLAY auctions are another great way to redeem Membership Rewards points. You can win cool experiences, including hot concert tickets, passes to movie premieres, sport packages and unique getaways...just to name a few.

Eligibility for Blue PLAY
The Basic Cardmember of a Blue from American Express or Blue for Business� account is eligible to participate in the auctions if the card is enrolled in or linked to the Membership Rewards program.

How to play
Browse the Blue PLAY Website and review the current highest bid(s). When you are ready to bid, select "Bid Now." Enter the required information and bid amount. Remember to check the Website often to see the latest bids, because you can bid as often as you like before the auction deadline.

Just one of the many benefits of carrying Blue from American Express...

Pain In The Gas?

info@frankfordfinancial.com — Sat, 25 Jun 2005 13:07:21 -0600

Save Your Money With These Gas Saving Tips:

Research the best price per gallon:
GasBuddy.com can help you find the cheapest gas prices in your city. GasBuddy will locate stations offering gas prices up to 20% less than you're paying now.

Use one of our Gas Credit Cards:
Our gasoline credit cards can account for an additional 10% cash-back savings on your gasoline purchases. Choose from Chase, CitiBank, Hess, General Motors or Discover Gas Cards.

Learn more about gas cards and fuel economy:
visit www.fueleconomy.gov to learn how to increase your gas efficiency with fuel saving tips. You'll also find where the lowest cost per gallon is in your area.

If you're currently paying $40 to fill up...using these 3 simple tips could save you as much as $12.00 per tank.

ATTN: Volkswagen Owners

info@frankfordfinancial.com — Sat, 25 Jun 2005 13:14:00 -0600

New From Chase: Volkswagen Platinum Visa� Credit Card with Rewards

Sure, we've all heard of credit cards that reward loyalty, but this one rewards you in a Volkswagen kind of way. Maybe even with a new Volkswagen.

Ooooh. Look at that APR. It's a nice way to say "hello." You'll get 0% APR* on all purchases and balance transfers for up to six months. That means you'll pay no interest for half a year. Not too shabby.

You earn two points for every dollar spent on Volkswagen stuff. One point for every dollar spent anywhere else. The more you spend, the more points you earn toward VW cars, VW gear, VW service, and even some stuff that has nothing to do with VW. There are hundreds of rewards to be had.

In the spirit of giving, this card comes with a low, six-month introductory APR of 0%* for balance transfers and new purchases. You really can't get much lower than that.

Chase Credit Cards - Introducing ePay

info@frankfordfinancial.com — Tue, 28 Jun 2005 13:02:47 -0600

Another reason that carrying or applying for Chase Credit Cards is a smart choice: Paying your credit card bill has never been easier. Just sit back, relax and log on...Online payments are ideal for paying your credit card bill. They're completely secure, and they allow you to quickly and easily manage your time and your money. And who knows, maybe even your credit rating...never be late with a payment again...that can only help improve your credit score.

� Never miss another payment - pre-schedule payments over 3 months in advance.
� Set up payment alerts - get automatic reminders of important due dates.
� Track the progress of your online payments - verify when your payment is received.
� Make payments anytime, anywhere - pay your bill when it's convenient for you.

Free Download For Our Customers: Google Tool Bar

info@frankfordfinancial.com — Wed, 29 Jun 2005 14:44:43 -0600

The power of Google, Amazon, Alexa and Pop-Up Blocker - all in one little strip that installs in your browser menu. Search with Google from within any site instantly. Stop Pop-Ups, Surf Related Links, and More.

This Google Toolbar is a free search and navigation companion that accompanies you as you surf, providing useful information about the sites you visit without interrupting your Web browsing.

� Get rid of those annoying popup ads.
� Search the Web and other resources directly from your toolbar.
� Learn about Web sites including traffic information and contact info.
� Surf more efficiently with Related Links for each page.

Free. Download now or learn more >

New Book from Suze Orman

info@frankfordfinancial.com — Thu, 30 Jun 2005 06:01:36 -0600

New Book from New York Time's best selling author and CNBC Talk Show Host Suze Orman..."Young, Fabulous & Broke" available now with the best price at amazon.com

Credit Card Issues for Women, Minorities & The Elderly

info@frankfordfinancial.com — Thu, 30 Jun 2005 08:27:41 -0600

An extensive directory of information that concerns women, minorities and the elderly. It will help you understand the laws and your rights when dealing with credit companies.

Bank of America to Buy MBNA

info@frankfordfinancial.com — Thu, 30 Jun 2005 09:39:08 -0600

Bank of America will acquire MBNA Corporation in a $35 billion deal that will transform the nation's third-largest bank into one of the world's largest credit card issuers. Full article is at Yahoo! News >

Student Credit Cards

info@frankfordfinancial.com — Sat, 02 Jul 2005 06:44:03 -0600

This updated section of our site contains useful information for students. It is offered to students as a first step in establishing a responsible credit history.

Contents:
� Qualifying for a Credit Card When You're a Student
� Establishing a Credit History for Students
� What To Do If Your Application for a Credit Card is Denied
� Getting the Best Deal On Student Credit Cards
� Useful Tips for Student Credit Cards
� Being Responsible and Accountable for your Credit Card and Credit Rating

FYI: scroll to bottom of landing page to read full articles.

Attention Union Members

info@frankfordfinancial.com — Sun, 03 Jul 2005 06:11:50 -0600

Attention Union Members! You're eligible for the exclusive Union Plus� Credit Card from HSBC� Bank - the only credit card endorsed by your Union. Join the 3 million members who carry the Union Plus� Credit Card. No Annual Fee and exceptional benefits for Union members.

How To Get Your Free Credit Report...and why it's important

info@frankfordfinancial.com — Mon, 04 Jul 2005 06:11:16 -0600

WIth so much fraud and identity theft these days it's good to have peace of mind in knowing your information is safe. All it takes is a few clicks, a phone call, a letter or email. And it's absolutely free. It's not necessary to pay a fee or subscribe to a service in order to obtain a free credit report. In early 2005 Congress passed a law that entitles all US citizens to 1 free credit report per year.

The trusted resource is annualcreditreport.com: it allows you to request a free credit file disclosure, commonly called a credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion. You can also request your report by phone or mail. Monitoring and periodically reviewing your credit report is an effective tool in fighting identity theft. It's also important in knowing your credit standing because it affects the interest rate at which you borrow from banks, mortgage companies, credit card issuers and lenders.

Participating Agencies:

Equifax
Equifax Credit Information Services, Inc
P.O. Box 740241
Atlanta, GA 30374
To order report: 1-800-685-1111
To report fraud: 1-800-525-6285

Experian (formerly TRW)
National Consumer Assistance Center
PO Box 2002
Allen, TX 75013
To order report: 1-888-397-3742
To report fraud: 1-888-397-3742

TransUnion LLC
Consumer Disclosure Center
P.O. Box 1000
Chester, PA 19022
To order report: 1-800-888-4213
To report fraud: 1-800-916-8800

Chase + HESS = Combustible Savings

info@frankfordfinancial.com — Fri, 08 Jul 2005 07:13:37 -0600

Here's a way you can fight back against high gas prices:

Reduce your cost per gallon with a Hess Gas Card from Chase: Earn a 10% rebate for the first 90 days your account is open and a 5% rebate thereafter on all HESS gas, merchandise and food purchases. Receive a 1% rebate on all other purchases made anywhere Visa credit cards are accepted.

HESS Gas Card Rewards
� Earn 10% on all HESS gas, merchandise, and food purchases for the first 90 days
� Earn 5% on all HESS gas, merchandise, and food purchases thereafter
� Earn 1% on all other purchases anywhere Visa credit cards are accepted

HESS Gas Card Rates & Fees
� 0% Introductory APR on purchases and balance transfers for up to 6 months*
� No annual fee

HESS Gas Card Benefits
� Purchase Protection
� Up to $500,000 Automatic Travel Accident Insurance
� Auto Rental Collision Insurance

HESS Gas Card Online Services
� Online Account Access
� Chase Bill Management Center
� Credit Line Increase
� Balance Transfer
� Convenience Checks
� HESS Gas Station Locator

Blue Swipestakes from American Express

info@frankfordfinancial.com — Tue, 12 Jul 2005 08:45:23 -0600

Proceed at your own pleasure...you are shockingly close to a thrilling time.

Once you enroll, every time you use your Blue from American Express Card over the next six months, you just might get a shockingly big prize. A VIP party for 10 at a posh restaurant. A weeklong sailing adventure in the British Virgin Islands with five friends. $25,000 in home improvement merchandise.

Enroll today for your ticket to the action-you only need to do it once to be eligible for all prizes.

Every time you use Blue starting July 1 2005, you'll get another chance to win.

If you're a Blue cardholder, enroll in the Blue Swipestakes by calling 1-800-419-7385.

If you don't have a Blue card, have a look at all the great benefits or apply here.

The (Not-So) Accidental Tourist

info@frankfordfinancial.com — Wed, 13 Jul 2005 12:31:38 -0600

Another summer travel tip: We recommend this as an alternative to carrying credit cards or cash when travelling. Because they have the safety of travelers cheques with the convenience of a card.

GET A FREE* COMPANION AIRFARE WHEN YOU ORDER THE AMERICAN EXPRESS TRAVELERS CHEQUE CARD
Order the Travelers Cheque Card from American Express before October 15, 2005 and you'll receive a free* companion airfare.

Benefits of using the Travelers Cheque Card:
It's not linked to your bank account.
If your Travelers Cheque Card gets lost or stolen, you don't have to worry about funds not budgeted for your trip. The Card is prepaid and not linked to a bank account.

It's refundable in 24 hours.
If your Travelers Cheque Card goes missing, your available funds at the time of loss or theft will be refunded, virtually anywhere you are within 24 hours.

It's accepted at millions of places worldwide.
The Travelers Cheque Card is accepted everywhere that welcomes American Express Cards, including ATMs around the world (ATM fees apply). Find an ATM near you.

It's reloadable.
You or someone you authorize can add more funds to your Card at anytime from anywhere by simply calling 888-412-6945 from within the United States and +1-801-945-9450 (collect) from outside of the United States. Fees apply.

Passport and Credit Card Replacement Assistance.
Lost or stolen passports or major credit cards don't have to be a major crisis. We'll help you replace them with this no sign-up service.***

Worldwide Customer Service.
Anytime, anywhere assistance, account maintenance and charge inquiries. Call us in the U.S. at 1-888-412-6945, and internationally at +1-801-945-9450 (collect).

FREE 60-minute live web cast: "Online Compliance and the Payment Card Industry"

info@frankfordfinancial.com — Thu, 14 Jul 2005 05:21:01 -0600

Are you concerned about the rising incidents of stolen credit card data? The deadline for ensuring compliance with information security standards for the Payment Card Industry (PCI) has come and gone for this year. Yet, the threat of fines and liabilities continues to loom large for a significant number of banks, merchants and service providers.

FREE 60-minute live web cast, "Online Compliance and the Payment Card Industry"
Tuesday, July 26, 2005, 9:00am or 12:00pm (both times are EST)
Presenter: Bryan Sartin, Vice President, Investigative Response
Where: Register for the webcast at www.cybertrust.com

Bryan Sartin is the Vice President Investigative Response at Cybertrust and has more than 15 years experience in the security arena providing industry-leading services and support for both commercial and government customers. He has taken the lead in more than 50 cases over the past 18 months invlving both civil and criminal scenarios. In addition, Mr. Sartin is also the First Responder seminar leader. Mr. Sartin has been published on a number of security-related topics, holds many security-specific industry certifications, and has presented at numerous conferences including the RSA Conference, SANS, InfoSec World, Virus Bulletin, and HTCIA. Mr. Sartin also serves on the Board of Advisors of the IAFCI.

FREE 60-minute live web cast, "Online Compliance and the Payment Card Industry" Tuesday, July 26, 2005:
� Examine what is expected of merchants and acquiring banks
� Understand what is needed to become certified
� Discuss how the PCI Data Security Standard will help you to protect against a potential compromise
� Review your current process of transactions with VISA or MasterCard
� Monitor the progress of your merchants, PSPs, and processors with the PCI program.

About Cybertrust: Cybertrust is a global information security services company that offers business-driven professional services, managed services and enabling technologies to give customers greater visibility and control of their risk.

The Best Credit Cards For You - According to SmartMoney Magazine

info@frankfordfinancial.com — Mon, 08 Aug 2005 17:01:24 -0600

So which card is best for you? It's not as complicated as it may seem. While there are hundreds of cards out there, they can essentially be broken down into four categories: rewards cards, which dangle the promise of free goods or sercices, travel caards, which focus rewards on airline miles and hotel stays; cash-back cards; and low-interest cards, whose biggest selling point is the promise of lower APRs. Which category is right for you depends on a number of factors--from how rigorously you watch your balance to what you'd most like to get out of your card to the level of fees, hassle and cost involved. We talked to card issuers, analysts, consumer-interest groups and average consumers, and then we ran scores of cards through out test. The result? Read on for our take on the four best cards, plus the runners-up in each of these categories.

Read the full article from SmartMoney at our site. (scroll down towards the bottom of the page)

CitiBank� Credit Cards - Citi� Identity Theft Solutions

info@frankfordfinancial.com — Mon, 25 Jul 2005 09:30:12 -0600

Citi� Identity Theft Solutions: Is a free service for CitiBank credit card holders that will help you get your life back if you suspect you've been a victim of identity theft. One of CitiBank's Identity Theft Specialists will provide you with the support you need every step of the way until your case is closed. Remember, you have $0 liability, which means you won�t have to pay for any unauthorized charges on your CitiBank credit card.

Identity theft:
Call 1-800-950-5114. An Identity Theft Specialist will advise you on how to file police reports and close accounts with other creditors. And CitiBank will stay on the phone with you when you place Fraud Alerts with credit bureaus. You'll have the expert help you need from beginning to end.

If your CitiBank credit card is lost or stolen, call CitiBank at 1-800-950-5114. They will issue a new card at no cost. They will also provide you with emergency cash and information to help you replace important documents.

Gold Card - Limited Offer

info@frankfordfinancial.com — Thu, 28 Jul 2005 05:21:45 -0600

Voted THE #1 Gold Card by Business Traveler Magazine. Have a look at the extensive benefits and it's easy to see why it's #1.

The Gold Rewards Card is currently waiving the annual fee for those with excellent credit history.

Subscribe To This News Feed In Multiple Ways

info@frankfordfinancial.com — Thu, 28 Jul 2005 05:24:13 -0600

We've made it easy for you to subscribe using the most popular news aggregators:

Subscribe to us using: BlogLines, Pluck, NewsIsFree, NewsGator, My Yahoo, My MSN or any RSS/XML News Service.

You may use our news stories on your site provided they are not altered in any way.

CitiBank Credit Cards - Foundation Helps Students Learn About Credit Cards and Personal Finance

info@frankfordfinancial.com — Sun, 31 Jul 2005 07:51:15 -0600

Two exciting programs and lesson plans that will help students get a better handle on money matters.

Find these and more at www.thirteen.org/edonline. Thirteen Ed Online is Thirteen/WNET New York's award-winning online service for K-12 educators, parents, and students of all ages everywhere. With more than 3,000 pages of robust content, Thirteen Ed Online reaches 30,000+ educators through its popular email bulletin and receives more than 200,000 visitors each month. Ed Online focuses on specific K-12 content themes, highlighting current public television programming and offering new lesson plans and resources monthly for learners around the globe.

Funding for Thirteen Ed Online is provided by the Citigroup Foundation.

To help students build a responsible credit history we recommend CitiBank's most popular credit card for students - The new UPromise Card. It's key features and benefits:
� Low APR
� Built in Perks Boost Savings During College
� 10% College Savings On 7000+ Grocery And Drugstore Items
� 1% College Savings Everywhere You Shop
� 0% APR On Balance Transfers For 12 Months!

you'll find lots of information about student credit cards and how to use your credit responsibly at our site.

FREE Content For Your Website

info@frankfordfinancial.com — Tue, 02 Aug 2005 05:33:17 -0600

Use our articles on your website to increase the appeal and usefulness of your site. We have a high readership....placing our articles on your site will increase your traffic and customer loyalty.

* (you may use our RSS Feed content on your website for free - provided it is not changed in any way)

How To Lower The APR of Your Existing Credit Cards

info@frankfordfinancial.com — Thu, 04 Aug 2005 09:21:47 -0600

You may not even need a new low interest credit card. Try calling the bank or issuer of your existing credit card, and just ask them politely to offer you a more competitive rate. Competition for your credit card business is fierce these days. Many banks and issuers promote heavily, urging you to switch...so it can be in their best interest to keep you as a satisfied customer.

A simple phone call could save you thousands of dollars in interest charges.

If that doesn't work for you, remember our lowest interest rates for low interest credit cards start at 0% APR and fixed APR's start at 4.75%.

Free Credit Reports - Yes, Free!

info@frankfordfinancial.com — Fri, 05 Aug 2005 05:56:40 -0600

Beware of flashy web ad banners that claim to offer free credit reports. They usually require a fee or have something else to sell.

The FTC's final ruling under the Fair and Accurate Credit Transactions Act now allows all Americans to receive one Free Credit Report annually.

The new FTC law follows this time table for recieving your free report:
Dec. 1, 2004 - Alaska, Arizona, California, Colorado, Hawaii, Idaho, Montana, Nevada, New Mexico, Oregon, Utah, Washington, and Wyoming
March 1, 2005 - Illinois, Indiana, Iowa, Kansas, Michigan, Minnesota, Missouri, Nebraska, North Dakota, Ohio, South Dakota, and Wisconsin
June 1, 2005 - Alabama, Arkansas, Florida, Georgia, Kentucky, Louisiana, Mississippi, Oklahoma, South Carolina, Tennessee, and Texas
September 1, 2005 - Connecticut, Delaware, District of Columbia, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, Vermont, Virginia, West Virginia, Puerto Rico and all U.S. territories. Get your report now by visiting www.annualcreditreport.com or call 877-322-8228

Get your report now by visiting www.annualcreditreport.com or call 877-322-8228

Learn more about the importance of credit reports, protection against identity theft and other credit related issues by visiting our "Credit Card News You Can Use" section.

Gas Credit Cards + Fuel Saving Tips = Highly Combustible Savings

info@frankfordfinancial.com — Mon, 08 Aug 2005 08:10:39 -0600

In addition to using a Gas Credit Card with cash back options...these gas saving tips will reduce your gas expense.

� Driving more efficiently-observing the speed limit, removing excess weight, avoiding idling, using your car's cruise control and using your overdrive gears, when combined can save from 5 to 33% on your gas expense.

� Keeping your car in shape-replacing the filters, checking tire inflation, using the right motor oil, can save up to 10% on your gas expense.

� Planning and combining trips-commuting to work, using the hov lane and planning trips efficiently are also a big saver.

� Choosing a more fuel efficient vehicle-can save you up to $2,200 per year in your gas expense.

Jet Blue Frequent Flyers - Feel The Love

info@frankfordfinancial.com — Wed, 10 Aug 2005 06:57:25 -0600

Why do you love Jet Blue...Is it the leather seats? The DIRECTV? Maybe it's the friendly smile always waiting to welcome you aboard. Whatever you love about JetBlue, get more of it with the JetBlue Card from American Express - the only Card that turns the stuff you buy every day into round-trip flights on JetBlue.

Jet Blue Card benefits include:
� Get 5,000 bonus Award Dollars, that's 25 TrueBlue� points, with your first purchase
� Earn one Award Dollar for virtually every dollar you spend
� 200 Award Dollars earn you one TrueBlue point, 100 TrueBlue points get you a round-trip flight anywhere JetBlue goes
� Earn double Award Dollars at restaurants, movie theaters, concerts, golf courses, and other fun places
� Earn double Award Dollars on JetBlue flight purchases
� Pay your bill in full or carry a balance

How the JetBlue Card works:
� Virtually every dollar you charge to the JetBlue Card earns you one Award Dollar
� 200 Award Dollars earn you one TrueBlue point
� 100 TrueBlue points get you a round-trip flight anywhere JetBlue goes

Start the trip with 25 bonus TrueBlue points.
You'll get 5,000 bonus Award Dollars after your first purchase with the Card. That puts you 25 TrueBlue points closer to your first Award Flight, right away.

Earn double Award Dollars for having fun.
Want to earn an Award Flight even faster? Just show yourself a good time. You'll earn double Award Dollars every time you use the Card at restaurants, movie theaters, sporting events, golf courses, and performing arts events, as well as on gym memberships. Naturally, that goes for all of your JetBlue purchases as well.

Online Account Management
Log on anytime, anywhere to view your transaction history and pay your bill. If you like doing your finances at 3 AM, who are we to argue?

Identity Theft Assistance
There's only one you. And that's the way it should be. If you ever suspect you're a victim of identity theft, our counselors are ready to help, 24 hours a day. We'll guide you through the recovery process, offer tips for protecting yourself in the future, and provide tools to help you re-establish your good credit.

Transfer your balances
Transfer your unfriendly, high-interest balances to your kinder, gentler JetBlue Card - and get a 3.99% balance transfer rate for the first 6 months.

Dedicated Customer Service
You know how attentive JetBlue is while you're flying? Well, it's no different on the ground, where you'll receive immediate Customer Service around the clock, simply by dialing the number on the back of your Card.

Save Your Money...automatically with ING Direct

info@frankfordfinancial.com — Fri, 12 Aug 2005 10:15:33 -0600

An automatic Savings Plan can help you build a nest egg: Make the most of your high yield Orange Savings Account - put away a specific amount each month and watch it grow. You specify how much money you would like transferred from your linked checking account and how often you want it deposited. It's simple, and it's free! Plus, you'll feel good knowing your cash is stashed in a safe place, earning a great rate. And we mean great...ING Orange Savings outperforms most brick and mortar banks by a long shot.

Set up your plan here or call ING Direct at 1-888-ING-0727

It Pays To Compare Gas Credit Cards

info@frankfordfinancial.com — Sun, 21 Aug 2005 11:23:36 -0600

Accoring to USA Today and Robert Manning, professor of finance...Gas Credit Cards offering up to 10% in gas rebates can take the edge off soaring gas prices at the pump - as long as you don't...

> For full article scroll down on landing page.

CitiBank: advancing low-income women's economic and social development.

info@frankfordfinancial.com — Tue, 30 Aug 2005 06:44:08 -0600

CitiBank is sponsoring "Fashion Rocks" to be broadcast on CBS, September 9th at 9 PM. Fashion and music merge with performances by Nelly, Gwen Stefani, Alicia Keys, David Bowie, Duran Duran, Tim McGraw and lots more to benefit a worthy cause.

CitiBank will be sponsoring the fashion auction...you can bid on exclusive rock memoribilia to benefit Dress for Success� - a non-profit organization dedicated to advancing low-income women's economic and social development.

It all Starts September 9th!

learn more > www.condenet.com/promo/fashionrocks2005/

Help for our neighbors who are victims of Katrina:

info@frankfordfinancial.com — Wed, 31 Aug 2005 08:34:28 -0600

We are a South Louisiana business trying to help our neighbors who have been devistated by the ongoing effects of Hurricane Katrina.

To just tell it like it is...We earn a small referral fee when you apply and are approved for credit cards on our website. We will be donating a generous portion of those profits to our Louisiana neighbors whose lives have been devistated by Katrina.

When you apply here, you are atleast, in a small way, helping restore the treasure that is New Orleans. If this sounds like an ad, then yes, it's an ad that helps fellow human beings.

Thank You from all of us for your patronage.

How you can help the victims of Katrina - a CNN Larry King Live 3 hour special

info@frankfordfinancial.com — Thu, 01 Sep 2005 06:52:56 -0600

This Saturday night, September 3rd. Larry King is broadcasting a 3 hour live special about how you can help the victims of hurricane Katrina. Reaching far beyond the obvious non-profit help organizations, Larry will point out specific groups and particular needs of the people in our area.

Frankford Financial is a south Louisiana based business and appreciates

Help for our neighbors who are victims of Katrina - continued

info@frankfordfinancial.com — Fri, 02 Sep 2005 06:17:31 -0600

We know the destruction first hand. What you see on the news doesn't begin to describe the desperate need for help. We are somewhat relieved in knowing that our plea for help is now being heard. Nicolas Cage who owns a home in New Orleans has graciously donated 1 million dollars to the relief effort. Diddy, Jay Z and Celine Dion have also made 7 figure donations. We hope this will spur more help from the entertainment industry and get it through people's head that this is a national disaster.

Please help us spread the word and encourage your friends and business colleagues to help the people of Louisiana. There will be no commerce whatsover for many businesses here for 4 months. 4 months! There are many ways to help...You can link to Louisiana based businesses, subscribe to their RSS News feeds or visit nola.com, a popular New Orleans informational portal to learn more.

Frankford Financial is a south Louisiana business and we are donating a generous portion of our credit card referral commissions to our neighbors in need.

Thank You from all of us.

How you can help our business colleagues who are victims of Katrina

info@frankfordfinancial.com — Sat, 03 Sep 2005 08:27:50 -0600

You can help tremendously without spending a single dime.
As a south Louisiana business we are trying to help our colleagues who have lost their businesses. Local and government officials report there will not be any commerce in New Orleans for the next 4 months which will cause further economic devistation.

Area business websites do continue to operate however. You can help the business owner victims of Katrina by simply providing a link from your website to Louisiana based websites. This will help them acquire new customers and continue to atleast operate on the internet. They have lost their foot-traffic but you can help increase their website traffic. You may want to verify they are in fact a Louisiana based business by looking them up in the official internet database registry at whois.net.

Please help us leverage the power of the internet.

Thank you from all of us.

How You Can Help South Louisiana Businesses Recover

info@frankfordfinancial.com — Fri, 09 Sep 2005 15:04:11 -0600

This is an idea we have for a solution to the business devistation caused by Katrina.

Small business owners in south Louisiana have lost their foot-traffic for months, possibly years to come. One thing they haven't lost? their websites. You can help by simply linking to Louisiana businesses from your website. Referring traffic to those sites will help them find new customers and maintain their online presence.

This is such a simple, no cost way for people to help! Can you imagine if someone like Amazon.com created a referal category for Louisiana merchants? It would thoroughly invigorate local business.

Please help us get our idea heard...maybe you know someone of influence, we have contacted all the departments at CNN and FOX News in attempts to spread this idea but it seems no one is listening to solutions.

Thank you from all of us.

American Express Blue Sweepstakes

info@frankfordfinancial.com — Mon, 03 Oct 2005 07:42:54 -0600

Use your American Express Blue Card between September 1 - December 31 2005 and you're eligible to win some very HUGE prizes. Current cardholders can enroll in Blue Swipestakes by calling 800-419-7385. New members can enroll here or read the extensive list of current Blue promotions...

Our Holiday Promotion - Win a Free Louis Vuitton wallet

info@frankfordfinancial.com — Tue, 08 Nov 2005 09:40:01 -0600

The Louis Vuitton Portes-Cartes Simple: This simple yet elegant credit card holder in Louis Vuitton Monogram pattern slips easily into your pocket. It holds credit cards, transport cards or business cards in it's three slots.

Apply for any Gas Credit Card on this page and you're eligible to win. After applying for your gas credit card just send us an e-mail to confirm and you're registered to win.

The winner will be chosen at random and notified on December 23, 2005. No strings attached...just our yearly Holiday promotion in thanks of your patronage.

CitiBank introduces The Simplicity Credit Card - No Late Fees!

info@frankfordfinancial.com — Wed, 07 Dec 2005 09:52:44 -0600

0% Intro APR with an ongoing APR of 9.9% - making this the lowest APR offered on any CitiBank Credit Card. Key features and benefits: No late fees, that's right, no late fees, Citi Identity Theft Solutions and The Thank You Rewards program are all included. This is one of the best credit card offers we've seen in a long time. Learn more...

Zero Percent Balance Transfers - Tis The Season

info@frankfordfinancial.com — Thu, 29 Dec 2005 10:22:32 -0600

Those Holiday shopping charges?...Could add up to large monthly interest fees. It may be time to think about a balance transfer. Tis the season to consider zero percent balance transfer credit cards. We've got the best rates and perks in the industry in our new Balance Transfer Credit Cards section. Some offers include a FREE $50.00 sign up bonus when applying...

Zero Percent Balance Transfer Credit Cards - Get $100.00 FREE! - It's Simple with The New Citi� Simplicity Rewards Card.

info@frankfordfinancial.com — Fri, 06 Jan 2006 14:21:42 -0600

You've probably seen the television ads for The New Citi� Simplicity Rewards Card - we think this new Citi� Card warrants a thorough review with special incentive:

This is truly an amazing Post-Holiday Zero Percent Balance Transfer Credit Card Offer: You'll get a Free $100 Gift Card from Citi� when you transfer your credit card balance to The New Citi� Simplicity Rewards Card: When you've made your first purchase within three months of recieving your Citi� Simplicity Rewards Credit Card you will get 10,000 Thank You Points redeemable for $100.00 at your favorite stores or restaurants.

Key Features & Benefits of the Citi� Simplicity Rewards Card:

No Late Fees
There are no late fees as long as you use your Citi� Simplicity Rewards Card once each billing period for a purchase or cash advance. Repeat, no late fees.

0% APR For A Full Year:
O% APR* on Balance Transfers for twelve Months and No Annual Fee. An introductory rate of 0% on balance transfers for 12 months from the time your account is opened, no annual fee and no balance transfer fees are associated with this offer.
- The 0% APR does not apply to Purchases or cash advances.
- The 0% APR may increase if you default under any Card Agreement with Citi� or fail to make payments to another creditor.
- Your payments will be applied to low APR balances before higher ones.

Customer Service
Just Press "0" - it's all part of a Citi� card that treats you right. If you want to speak to a real person when you call Citi�, just Press "0" anytime for a real-live human that can help. No more annoying phone loops or trees.

Protect Your Credit Rating & Credit History
Your APR may increase if your payment is late and that late payments may negatively affect your credit history and account terms. With that in mind, Citi� offers free, helpful tools like automatic payments and email alerts to help you Protect your credit and your credit rating.

Citi� Identity Theft Solutions Can Help
The New Citi� Simplicity Rewards Card comes with Citi� Identity Theft Solutions. Citi� will monitor your card for fraudulent use. And, if you're ever the victim of identity theft, Citi� will help you work with the credit bureaus and authorities to get your life back. This is a free service to all Citibank� Credit Card Cardmembers.

Student Credit Cards - How to establish a strong credit rating

info@frankfordfinancial.com — Wed, 11 Jan 2006 10:50:22 -0600

Everything you need to know about Student Credit Cards: We've updated our Student section with in-depth information for Students:

Visit this page to learn more about:

� Establishing a credit history
� APR's for Students
� Tips for maximizing value and rewards
� Using student credit cards responsibly
� Errors on your bill
� Unauthorized charges to your card
� Protecting your identity
� How to apply for student credit cards and get approved
� Getting the best deal
� What to do if your application for credit is denied

Canadian Credit Cards - Pr�sent� dans les deux Anglais et Fran�ais

info@frankfordfinancial.com — Fri, 27 Jan 2006 10:01:35 -0600

We've added a Canadian Credit Cards section to our site. This new section's content is presented in both French and English and is intended for residents of Canada.

Nous avons ajout� une section canadienne de Cartes De Cr�dit � notre site. Ce nouveau contenu de la section est pr�sent� dans fran�ais et l'anglais et est projet� pour les habitants de Canada.

Merci pour votre client�le.

How To Stop Recieving Credit Card Offers In The Mail

info@frankfordfinancial.com — Wed, 01 Feb 2006 09:00:40 -0600

You can choose to stop recieving pre-approved credit card offers from any Card Issuer by calling 1-888-5-OPTOUT (1-888-567-8688)

How to protect yourself from credit card fraud

info@frankfordfinancial.com — Tue, 07 Feb 2006 13:02:08 -0600

This section contains everything you need to know in order to protect your credit cards and avoid identity theft. A thorough list of Do's & Dont's and who to contact if you're a victim

How To Repair Your Bad Credit

info@frankfordfinancial.com — Wed, 08 Feb 2006 14:50:59 -0600

We take great satisfaction in helping those with bad credit. We offer this EXTENSIVE section as a Free service. It contains all the tools you need for Do-It-Yourself Credit Repair. And it won't cost you a cent!

Scroll to the bottom of the landing page to learn how...Or help a friend or family member manage their credit by e-mailing them the address of this page.

The Accidental Credit Card Tourist

info@frankfordfinancial.com — Wed, 01 Mar 2006 18:05:52 -0600

We recently heard screams from a customer who used her credit card extensively during a long trip to Europe. She was shocked to discover hundreds of dollars in additional fees when she arrived home and opened her bill. A fee was placed on every single purchase she made while in Europe. Did you know that many credit cards charge you an "International Transaction Fee"? Their fee is typically 3% of each transaction conducted in a foreign country.

For more little know facts about your credit card you may consider bookmarking our Credit Card Reviews section.

How the Citi Card Rewards program works

info@frankfordfinancial.com — Sat, 04 Mar 2006 08:01:36 -0600

Everything you need to know about Citi's ThankYou Rewards Network...

Credit Card Balance Transfer - Learn the facts, avoid the myths, and save big bucks!

info@frankfordfinancial.com — Mon, 13 Mar 2006 10:15:26 -0600

In-depth information and little known facts about the do's & don'ts of credit card balance transfers. Bookmark for future use or scroll towards bottom of landing page to read...

A FREE gift to our customers - our latest publication... "The /Financial Organizer"

info@frankfordfinancial.com — Mon, 20 Mar 2006 08:40:33 -0600

A useful tool that lays a solid foundation for all your financial planning. Absolutely Free! it's just our way of saying thanks for using FrankfordFinancial.com as your source for credit cards, credit repair and consumer credit education.

Citi Simplicity - FREE $100.00 Sign-Up Bonus ends March 30

info@frankfordfinancial.com — Tue, 28 Mar 2006 07:41:08 -0600

Last chance for a FREE $100.00 Sign-Up Bonus. Offer ends this Thursday. No strings attached...apply with us, get approved and you'll be mailed the $100.00 Bonus.

Not to mention you'll have the best Citi Card going...No annual fee, 0% APR for 12 months, 5 points per dollar spent, Citi Identity Theft Solutions, and free enrollment into The ThankYou Rewards program.

Sorry to sound like an ad, but we thought you'd like some Free Money and the best 0% card in the industry.

Prepaid Credit Cards - everything you need to know

info@frankfordfinancial.com — Fri, 07 Apr 2006 12:26:32 -0600

This extensive essay covers everything and more you will ever need to know about Prepaid Credit Cards.

Scroll down towards the bottom of the landing page to read more.

Everything you need to know about Debit Cards

info@frankfordfinancial.com — Sun, 09 Apr 2006 08:14:05 -0600

An in-depth resource that covers everything you need to know about Debit Cards.

Scroll down on landing page to read. Or bookmark for future use.

Airline Credit Cards - look before you leap

info@frankfordfinancial.com — Mon, 10 Apr 2006 14:14:29 -0600

This new site expansion offers a much-needed solution to travelers and deal seekers. With summer just around the corner, the articles and services in this section are invaluable for vacation planning. Scroll towards the bottom of the landing page to learn more.

How our customers are saving 10 to 20 percent on Gas

info@frankfordfinancial.com — Tue, 25 Apr 2006 06:17:59 -0600

We've expanded our services to include essential gas saving tips, locators and comparison charts. With the summer vacation season near, these new tools and services are invaluable for planning, budgeting, and saving BIG on gasoline purchases.

This newly expanded section includes:
- How to pay less at the pump
- 10 essential money saving tips
- How to find the cheapest gas price in your area
- What Professors of Finance say about using a gas credit card
- How gas rebates and cash back offers work
- Comparison charts

* scroll towards bottom of landing page for full article.

How to make the most of Business Credit Cards

info@frankfordfinancial.com — Tue, 16 May 2006 06:45:39 -0600

Newly developed section explains everything you need to know about Business credit cards. Topics covered include:
- How your business can use them to save money.
- How to maximize your rewards program and get a Free $100
- Little-known facts, FAQ's and much more...

* scroll towards bottom of landing page for more...

The ins + outs of low interest credit cards

info@frankfordfinancial.com — Fri, 19 May 2006 07:10:27 -0600

This newly developed section explains everything you need to know about low interest credit cards. Topics covered :
- What to look for - introductory offers vs. low fixed rates
- How to maximize your rewards and/or cash back
- Related articles include chart data with the best choices according to SmartMoney
- National average rates chart of Platinum and what kind of interest charges you can expect
- FAQ's and much more...

* scroll towards bottom of landing page for more...

Get it together with our FREE Financial Organizer

info@frankfordfinancial.com — Fri, 19 May 2006 07:22:33 -0600

A useful tool for financial planning and organization. Absolutely Free! No strings attached, No registration required.
It's just our way of saying thank you for using us as your source for credit cards, credit repair and consumer credit education.
The Organizer will remain a free download until our print publishing date.

Everything you need to know about Cash Back Credit Cards + FREE Bonuses up to $100.00

info@frankfordfinancial.com — Mon, 05 Jun 2006 06:11:39 -0600

This newly expanded section explains everything you need to know about Cash Back Credit Cards.

- How to maximize your cash back - earn 6% cash back on every gasoline purchase
- How to select a good Cash Back Rewards Program
- FAQ's, tips, advice and much more
- FREE Sign-Up Bonuses of $15, $25, $50 and $100 on the most popular cash back cards

* scroll towards bottom of landing page for more...

Rewards Credit Cards - tips, tools, programs + Up to $100.00 in FREE Sign-Up Bonuses

info@frankfordfinancial.com — Sat, 01 Jul 2006 16:22:38 -0600

this newly expanded section includes :

- The different rewards programs available, with explanations and comparisons of each.
- Clever tips on how to maximize your rewards program - you'll save a bundle by putting our tips to use.
- Summer promotions including: a Zircon iLine Laser Level - Yours FREE with a Chase Home Improvement Card.
- FREE $100.00 Sign-Up Bonus with a Citi Professional Card.
- And more FREE bonuses from DIsney and AT&T.

scroll towards bottom of landing page for more...

Business Credit Cards - essential advice for starting or maintaining your new business

info@frankfordfinancial.com — Wed, 19 Jul 2006 08:09:01 -0600

Extensive essays with professional advice contained in 4 separate articles :

1. Using a Business Credit Card to start a new business
2. Small Business Credit Cards: Pros, Cons and Tips
3. Business benefits beyond cashback
4. Comparing Business Cards

For a limited time this section is sponsored by CitiBank offering a FREE $100.00 Sign-Up Bonus Gift Card when you apply here for The Citi Professional Card.

What every Student should know about credit

info@frankfordfinancial.com — Thu, 17 Aug 2006 09:37:05 -0600

Extensive articles written by students, for students: A real-world personal finance education can be obtained with our newly expanded service.

Educators, Universities and Students are encouraged to link to this section for extremely valuable information that can help shape a better financial future for students. Scroll down below the card offers to read...

What kind of credit card spender are you?

info@frankfordfinancial.com — Thu, 09 Nov 2006 14:38:31 -0600

...understanding your spending behavior can help avoid debt and maximize your credit card benefits (read full story on landing page)

ATTN: Website Owners: You are welcome to place this content on your site provided that you include author credits and a hyperlink to our original article.

For more information about our Free Content Program call us at (318) 623-4491

Holiday Balance Transfer Offer

info@frankfordfinancial.com — Thu, 16 Nov 2006 11:55:16 -0600

If you're carrying high credit card balances you may find this news-worthy...
We've introduced new balance transfer offers on the Chase Platinum, Flexible Rewards, Free Cash and PerfectCard.

Consolidate debt, reduce monthly payments or get ready for an interest-free shopping season with just a few clicks. Plus you can see just how much money you can save with our easy-to-use balance transfer calculator.

Why not take 2 minutes right now to start saving?

Take a Sneak Peek at our New Application Software - It offers Co-Branding partnership opportunities for Site Owners

info@frankfordfinancial.com — Fri, 19 Jan 2007 15:11:01 -0600

We are currently in beta testing but will soon release this Credit Card Application Comparison Software that we've developed in ASPX, C+, HTML and XML. While it is targeted to our customer base for improved usability we are considering a few select and discerning website owners to place this interactive chart on their site as a server-side application; requiring Zero maintenance on their behalf. It will give those partnered sites effortless monetization, up to the minute content via an xml data feed that is constantly monitored, tracked and updated.

Contact info@frankfordfinancial.com to discuss potential partnerships in detail.

Now that it's Tax time - I wish I had used a Business credit card in 2006

info@frankfordfinancial.com — Thu, 15 Feb 2007 14:47:26 -0600

During my tax preparation circus this week I spent hours trying to locate reciepts so that my accountant could accurately figure my deductions.
My New Years Resolution - Use a business credit card for every single purchase. It will provide a permanent record of my expenses, I'll earn points along the way, and best of all at the end of the year I can get a year-end summary with a single click. I will not and cannot face this kind of hassle next year. And I hate knowing I've probably missed some deductions.

Andrea Glorioso,
Senior Analyst, Frankford Financial

A Pain in the Gass

info@frankfordfinancial.com — Wed, 14 Mar 2007 10:17:50 -0600

Our editors Kezia and Braxton are back to help you combat rising fuel costs. Spending money on gas can be extremely painful. High gas prices can be crippling for someone with a large vehicle or one that has poor gas mileage. There are many techniques to help drivers save money at the pump. Scroll towards bottom of landing page for relief.

A Pain in the Gass (Part II)

info@frankfordfinancial.com — Wed, 18 Apr 2007 09:09:13 -0600

Spending money on gas can be extremely painful. High gas prices can be crippling for someone with a large vehicle or one that has poor gas mileage. There are many techniques to help drivers save money at the pump.

Basic Money Saving Tips

1. Observe speed limit. All cars have different optimum speeds that allow them to utilize gas most efficiently. This varies between each car, but one factor that doesn�t vary is the decrease of a vehicle�s fuel efficiency over 60 mph.

2. Maintaining a consistent speed also saves gas. Accelerating and decelerating damages the gas mileage of a vehicle. When feasible, cruise control should be used to preserve a steady speed. Be sure to use the overdrive gear, which lowers the engine speed, lowering gasoline consumption and reducing engine wear.

3. Starting and stopping repeatedly can wreak havoc on gas mileage. Planning and avoiding driving during peak times can save a considerate amount of fuel and money. If driving is unavoidable during peak traffic times, then make sure to brake and accelerate slowly to further conserve gas.

4. Errands are a fact of life. Everybody has to run them. Planning all of the day�s errands and running them at the same time could saves on gas that would be expended on back and forth return trips home.

5. A lighter vehicle will always have better gas mileage, than a heavy vehicle. Cleaning out a car, or doing anything that can conceivably lessen the car�s weight, may permit the vehicle to run more efficiently and use less gas while traveling.

6. A properly maintained car gets much better gas mileage than a neglected one. Replacing the filters regularly, monitoring tire inflation, regular oil changes and engine tune-ups are vital to the health of a car. A healthy car will perform better and last longer than one that is not healthy. Better gas mileage is one of the largest benefits of preventative maintenance --- longer life is another.

7. When at the pump, check the car�s manual to determine the ideal octane for the vehicle. A lot of marketing has been done to convince consumers that high premium octane is better for cars than regular octane. In truth, there is little measurable difference in performance when using a higher-octane fuel.

9. Trade in your gas-guzzler for a more fuel-efficient car. Hybrid cars are increasing in popularity all of the time. Much of their appeal comes from the government sanctioned tax breaks that are offered to hybrid owners.

10. Finding the lowest gas prices in any given area is easy with online help. Many websites are dedicated to compiling a thorough and up-to-date list that includes all of the gas prices of an area. Effectively utilizing these tools can help a driver save a considerable amount of money on gas, when the consumer shops at the right pump.

The Remedy : Put our advice to practice and consider signing up for one of our Gas Credit Cards to alleviate the pain. These Cards offer rebates up to 10% per gallon.

A simple tip to protect your identity - Why hasn't anyone thought of this?

info@frankfordfinancial.com — Thu, 03 May 2007 10:21:41 -0600

In (or around) the signature block on the back of your credit card...take a permanent marker and write the words "PHOTO ID REQUIRED". Heck, write it on the front of the card too!!!

Certainly not a complete solution to identity theft but it will alert those you hand your card to.

A Pain in the Gass (Part III)

info@frankfordfinancial.com — Sun, 27 May 2007 14:50:44 -0600

Memorial Day reminds me of family trips to Florida , fun in the sun, or taking a boat ride on the river. Once a year my family would pile into our lime green and wood panel station wagon and set out for some good times. My brother and I would play games in the backseat and take naps with visions of hotdogs and smores dancing in our heads. I suppose kids today climb into the back of the family Hummer and plug into their I-pod. The real question is after working our tails off for the family vacation�.can we still afford it?

Ok, maybe that�s laying it on a bit thick but I�m feeling nostalgic today. As summer quickly approaches I am wondering how I�m going to afford my much needed vacation. The price of gas has made a great impact on our day to day lives and it has made me consider some strategies when it comes to my bottom line. After reviewing my current financial status it dawned on me that I really should be using a gas rewards credit card. If you have to pay big bucks at the pump you might as well make your money work for you right? Not using a gas rewards credit card is almost like spending an extra 5% on gas.

According to the Department of Energy retail gas prices continue to rise to their highest levels ever, with an average of $3.23 per gallon and it�s unlikely that they�ll come down any time soon.

So how am I going to make my dream of a vacation a reality? There are several things you can do other than buy a new car. I got a tune up on my car which can save up to 25% in gas usage. I bought a digital tire gauge and checked my tire pressure. You can lose up to 6% for every single pound your tire is under-inflated. I just applied for my first gas rewards credit card.

Gas reward credit cards offer rebates in the form of points or cash back. The way to maximize any reward card is to use it for everyday purchases and bills. I plan to use my gas card for all purchases from utilities to gas so that I can earn cash back. By paying the gas card balance in full each month I have just given myself a 5% raise for being a good consumer. See you at the beach!

Andrea Stradley, Senior Analyst
Frankford Financial

Iberia Bank introduces their lowest interest rate credit cards at Frankford

info@frankfordfinancial.com — Mon, 30 Jul 2007 08:21:00 -0600

Iberia Bank partnered with us today to market their 5 new low interest credit cards. With a 0% intro APR and a 7.5% go-to APR, Iberia's new cards will be a wise choice for those with Superior credit ratings. Underwriting criteria will be relaxed. Proof of income will not be required with our applications and there will not be any Annual Fees when consumers apply with us.

Credit Card Application Secrets

info@frankfordfinancial.com — Wed, 14 Nov 2007 12:47:58 -0600

Q. Are there any inside secrets to getting a new Credit Card?

In response to rumour mills on the Internet we're responding with the facts...

A. When you apply for credit cards online it's like shopping for shoes. Credit Cards are like shoes in that what suits your friend doesn't necessarily mean that it's best for you, so weigh all your options and then select the card that suits you best. Consider the APR, Points, CashBack, Rewards, Travel and other benefits associated with your new low interest Credit Card. There are NO credit card application secrets that will get you magically approved. This is not a system you're going to beat.

Banks and Card Issuers deal only in facts. They're looking for stability, solid work history, a good FICO score and a decent credit rating.

The main rule of thumb is to apply for credit cards that fit your credit rating. We look closely at your credit history when determining approval, credit limits and if you represent a viable risk. Apply for Credit Cards that make sense for you, your lifestyle and credit history. For example, if you have good credit, apply in the good Credit Card category, if you have bad, damaged or no credit, apply to a Credit Card within those categories.

FREE $100.00 ---> When you apply with us for a Gold or Green American Express Card

info@frankfordfinancial.com — Thu, 07 Aug 2008 11:21:53 -0600

Hurry, this offer will not last long !

In addition to your FREE $100.00 you'll get Express Approval...A decision in 60 seconds or less when you apply online at our site.

FREE Personal Finance Downloads ---> Take a break from all that shopping and focus on your bottomline.

info@frankfordfinancial.com — Mon, 01 Dec 2008 13:00:24 -0600

Happy Holidays from everyone at Frankford Financial.
We're spreading some Holiday Joy with 2 FREE Personal Finance Downloads :

1. The Financial Organizer
2. Personal Budget Planner

Offering Free Financial Software represents a lot of time and work on our behalf.

If you own or manage a Website or Blog...Please honor our hard work and generosity by linking to us.