In order to know which product would satisfy your needs, you can go through the following list and see which one of the multiple credit card offers adjusts to your spending and style. If you already own a credit card, you may want to consider upgrading your account to get one of the more complex products that provide a lot of benefits you can take advantage of.
The Classic Card
Visa Classic is the most popular card, it's simple, widely available and provides everything you need to cover your basic financial needs and it provides other benefits too. This card can be international or only local. The international version let's you make purchases worldwide at almost every country without having to worry about currency exchange.
This credit card type is ideal for students and those who want to establish credit. It provides insurances that cover Auto Rental damages and the loss or robbery of your credit card. Moreover, there are new programs protecting electronic purchases and providing emergency cash advances for unexpected expenses like medical bills or abroad legal problems.
The Secured Card
Visa secured provides a solution for those who need to establish or re-establish their credit. It's an excellent way to start your credit history. It provides all the benefits of Visa Classic to those who cannot get credit right away. Your credit is guaranteed by a deposit you have to previously make into an account. Other than that, they are exactly as a regular credit card.
The Golden and Platinum Card
Visa Gold and Visa Platinum are synonyms of excellence and style, if you have excellent credit or are a veteran VISA classic owner, you can enjoy the benefits of a Visa Gold or Visa Platinum that include a larger purchasing and finance limit. The differences between these two cards are mainly related to the limits and amounts of emergency cash advances you can request.
The Ultimate Signature Card
Visa Signature is the most flexible and astonishing credit card product available. Only those with magnificent credit can obtain it. But it surely pays, because it provides no spending limits, stretchy repayment and a vast list of benefits and rewards. Those who enjoy traveling, venturing in new projects and spending with no restrictions will love this card.
With a Visa Signature card you can get all the benefits from the previous credit cards plus Lost Luggage and Airport Parking Insurance, Purchase security, Travel Insurance (accident and lost flight), Travel, Legal and Medical Emergency assistance, and many other benefits all packed in this single but wonderful Credit Card.
Chip Card and Rewards
There is a new smart card that includes a chip with plenty of information. You'll be able to combine all your accounts and store cards into a single product. It's a simple but smart way to get all your finances into a single card.
All the above cards may include different reward programs. Visa Reward Cards offer frequent flyer miles that you can exchange for airline tickets or you can earn points to exchange for hotel vouchers, etc. There are many different programs you can select according to your spending habits to make the most out of your VISA Credit Card.
Mary Wise, a professional consultant with twenty years in the financial field, helps people in the process of securing personal loans, mortgage, refinance or consolidation loans and preventing consumers from falling into the hands of fraudulent lenders. At www.speedybadcreditloans.com/financial-articles.html you will find more useful tips and interesting articles on this subject and other financial related topics.
By Mary Wise
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