How do I get a Secured Credit Card


If you want to get secured credit cards, actually it’s not hard! in fact it’s pretty easy! all you have to do, is apply and fill secured credit card application! after they receive your application, I am sure they will contact you and tell you to deposit some money as warranty! and there’s no history some company reject application for secured credit cards! 😀  and if they do! I must said, that company are a little bit to much! because from my POV, secured credit card are the most profitable business! because whoever they is, that run that kind «Read More MyCredits »

vystar credit card are they worth it ?

vystar credit card, are they worth to apply ? well to be honest, this is tricky question! because obviously Vystar are not bank! Vsytar are Credit union! so if you big fans of bank, probably Vystar are not your priority choice! but if you open minded person! then my suggestion is, Credit Union are the most perfect answer to get loan with low interest rate!

Bank will not give you small interest rate, because of 1-2 reason! first is tax! secondly they must make profit and share with investor! so whether they like it or not! bank should apply «Read More MyCredits »

Primeway Credit Card Good Deal or ?


primeway credit card are they worth to apply ? well, if 10% APR are not good for you, maybe Primeway are not the one for you! though, if you think 10% are good offer to miss, then you must apply with them! there’s nothing wrong having 2-3 credit cards in your pocket! especially if their APR are much better than citi APR! i.e 14% if some cards can offer lower than 14% APR to be honest with you, that credit card company must be good! 😉

Because the fact is, no company that can give best offer to 10% «Read More MyCredits »

what is a good interest rate on a credit card


what is a good interest rate on a credit card ? well, to be honest this is tricky question! 😉 because for some people APR 10% are good! but for veteran  or experts! 5% are more than enough! 😉 so basically it will depend on many factor, situation and condition! for example, for people that have fair, or bad credit! the best offer they can get is about 18% APR or 1,5 interest rates per month!

But if you have high credit cards transaction! even standard APR are about 14% actually they can ask credit card manager to decrease «Read More MyCredits »

Credit Cards With no Balance Transfer Fee

credit cards with no balance transfer fee

if you looking for credit cards with no balance transfer fee, actually there is! but for most conventional or regular credit cards, most of them will charge you a fee! because for some reason they know, you will do that! and because of that they make money! 😉 so the most important question is, is there any credit cards, that will not charge any fee if we do transfer balance to another account ? well, there is one! or maybe a hundreds credit cards, that have kind of benefit! 😀

and Good news is that credit cards company are near «Read More MyCredits »

Best Credit Union in Fresno

If you want get best offer Credit cards such as, Low APR, low Fee, and high Credit limits, Credit Union could be the best option for you! although not all credit union can give everything, but at least most of them can give low APR for loans product! since most credit union only for certain area, here the list of credit union if you live in Fresno CA,


  • Pacific Service Credit Union, their number (888) 858-6878
  • OE Federal Credit Union, their phone number (559) 241-0508
  • Fresno County Federal Credit Union, their phone (559) 252-5000
  • Golden 1 Credit Union ,
«Read More MyCredits »