Ocean Credit Card Review

Ocean Finance Credit Card Review

OpenSkyCC Review

OpenSkyCC Secured Visa Credit Card Review

OpenSkyCC Secured Credit Card Review

OpenSkyCC.com Secured Visa Review

OpenSkyCC.com review: The OpenSkyCC offer is the Open Sky Secured Visa Credit Card and it’s designed to help you rebuild your credit history. There are no special perks or frills attached to this credit card after all it’s designed for people with bad credit to help them improve their FICO score.

You simply won’t find a secured card that offers any types of rewards so as far as secured cards go, the OpenSkyCC is a really good offer. However, once you apply for this card and use it responsibly you can start building your credit score and down the road you could qualify for a rewards card.

Use The Open Sky credit card to start rebuilding your credit history and apply online today, below is a review of some of the benefits you get when you apply online right now.

Review of the Open Sky Visa Card Offer Details

The following information is accurate at the time of writing this OpenSkyCC review. Please make sure you look at the application details when you apply for up-to-the-minute details.

Credit Line Limit: The amount of credit you can get ranges from as little as $200 up to $3000. The line of credit you are issued will depend upon the amount of a security deposit you make.

What you need to realize is this is a secured credit card which means your line of credit is equal to the amount of your security deposit. Your security deposit is held by the bank in case you don’t pay your card.

You also need to realize that the security deposit you place towards your line of credit can not be used to make your credit card bill payments, again the security deposit you put down on the OpenSkyCC secured Visa Card is held by the issuing bank (Capital Bank) in case you neglect to pay your credit card balance.

Interest Rate: Just like any regular credit card, there are interest charges on outstanding balances owing. At the time of writing this review the interest rate is 17.5%, which is quite low for this type of credit card.

Annual Fee: There is a small annual fee of only $29 however it’s worth the nominal fee in order to start rebuilding your credit history.

Does Open Sky Report to Credit Bureaus? Yes, the Open Sky Secured Visa Card reports to the 3 major credit bureaus every month. So make sure you pay at least your minimum payment and pay it on time every month to ensure you have a positive impact upon your credit score.

What Happens with my Deposit? Your security deposit is held at an FDIC insured bank account and remains in place for the duration of you being an Open Sky Visa Card holder until you close your account and have paid all outstanding balances owing.

Sometimes your security deposit is returned to you prior to closing your Open Sky Visa account if the issuer, Capital Bank, is satisfied you are not at risk to default on your credit card payments. This rarely happens so don’t hold your breathe waiting for your security deposit to be returned to you while your account is still open.

As far as secured credit cards go, the OpenSkyCC offer from Capital Bank is quite a good deal because you can have a secured credit line as low as only $200, which is nice if your only goal with this card is to rebuild your credit. After all who wants thousands of dollars tied up in a security deposit. Plus the annual fee and interest rates are very reasonable in the category of secured credit cards.

Start rebuilding your credit history now and apply online for the Open Sky Visa Card now!

Horizon Gold Card Review

Horizon Gold Card Services Credit Offer Review

Horizon Gold Review

HorizonCardServices.com Review

The first thing we need to tell you about in this Horizon Gold Card review is the Horizon Gold Card is not a traditional credit card, it is simply a line of credit that you can use to make purchases from their online shopping portal.

So if you’re looking for a traditional Visa, MasterCard, Discover Card or an Amex that you can use to make everyday purchases on such as groceries, gas station fill-ups, etc, this card is not for you. The Horizon Card Services offer is simply a shopping line of credit. Think of the Horizon Gold Card as being just like a department store credit card.

The main benefit of this card is for people with bad credit. The best feature of the Horizon Gold Card is it can be used as a tool to build or restore your credit rating because it reports to a major credit bureau.

Review of the Horizon Gold Card Pros and Cons

Horizon Gold Card Pros:

While there is no guarantee of restoring or building credit with the Horizon Gold Card, the fact is they will report your account activity to at least one of the three major credit bureaus every month.

This may seem obvious, however I am going to say it anyway, in order for any line of credit to help you build your credit score you will need to make all your minimum payments on time.

If you fail to make your payments on time and get NSF charges then the opposite is going to happen. Missing payments will have a negative impact upon your credit score.

Another advantage to this shopping credit card is you are part of a shopping club when you sign-up and from time to time you can get really great deals on merchandise within their members only shopping portal.

As a paid member you get some extra perks including:

My Privacy Protection: This service helps to protect you and your personal information online.

My Universal RX: The Horizon Card Services My Universal RX is a really good benefit if you frequently need prescription medications because the My Universal RX benefit you get with the Horizon Gold Card gives you up to 40% off the retail cost of your prescription medications.

My Roadside Protect: You also get the peace of mind of having the My Roadside benefit included with your Horizon card. The My Roadside Protect program includes towing, fuel delivery if you run out of gas, a lockout service if you accidentally lock your keys in your vehicle plus you also get flat tires changed.

My Legal Assistance: If you need legal services, you can get a 30 minute legal consultation. Hopefully you never need legal services but if you do the Horizon Gold Card is there to help you get the legal advice you might need.

Horizon Gold Card Cons:

The first downside to the Horizon Gold Card is the fact this is NOT a regular credit card. In the review, it’s already been stated this is basically the same as a department store credit card where you can only purchase merchandise within their members only shopping club.

Then on top of not being able to use this to make purchases like you would with a Visa or MasterCard there are some fees to become a shopping credit card member.

There is a one-time account validation fee, you’ll need to read the terms and conditions for the current fee however at the time of writing this Horizon Gold Card review, that one-time account validation fee is only $5. There is also a monthly membership fee of $24.95, again at the time of writing this Horizon Card Services review (Please check Horizon Card Services Terms for current fees)

Then if one of your payments fails there is an NSF charge of $25 and that brings up another con of applying for the Horizon Gold Card, your payments and membership fees are on auto-debit from your bank account

There you have it, our Horizon Gold Card Review, you should apply for this if you are looking for a line of unsecured credit that could help you restore your credit score and you’d like to have some added benefits like the roadside assistance plus love to shop online.

For people like you, with bad credit, this is a really good choice to increase your purchasing power while enjoying the benefits of membership and need to restore your credit rating.

If this sounds like you then apply for the Horizon Card Services offer online now!

Open Sky Credit Card Review

Open Sky Credit Card Review

Open Sky Credit Card ReviewThe Open Sky Secured Credit Card is a card offer for people that have less than perfect credit or no credit rating. This card offer from Capital Bank is designed to help people just like you with no credit to establish a credit rating or if you, just like millions of other Americans have had a few bumps in the road and your credit is less then perfect or have even gone to the point of bankruptcy.

The Open Sky Credit Card offer is here to help you establish in the case of having really bad credit, re-establish your credit score.

Check out the benefits you get when you sign-up for the Open Sky Secured Credit Card online right now – Review of benefits you get listed below:

Review of What the Open Sky Secured Card Will Do For You

First and foremost the Open Sky Secured Visa Credit Card will give you a vehicle to build your credit rating. Yes, you do need to make a deposit that’s held by Capital Bank as a security deposit and that may seem like a bad deal for you but it’s not and here is why.

When you apply and get accepted for the Open Sky credit card you will need to place a security deposit and that is required because without having a really good credit score the bank needs to ensure they will be paid back for any charges you put on the card.

Being forced to place a security deposit for the privilege of having a credit card may seem unfair to you at first, however it’s not unfair. The only mechanism a bank has to mitigate the risk of non-payment is to base their lending upon your credit bureau score.

The security deposit you place to get the Open Sky Credit Card in your wallet is a small investment towards you building or rebuilding your credit rating at the major credit bureaus and yes, you do get that deposit back at some point in the future.

Even though you’ve placed a security deposit on your Open Sky Visa account that does not mean you get to use the funds in security as part of your future payments on purchases you make on the card.

The Open Sky Secured Credit Card works just like any other credit card other than having sent a security deposit. There is still an interest rate to pay on balances owing. As far as secured credit card offers go the Open Sky card offer has a relatively low interest rate.

If you are serious about getting your credit back on track or building your credit score then this offer from Capital Bank is perfect for you. Apply online for the Open Sky Secured Visa Card now by clicking on the offer link near the top of this review.

We wish you the best in building your credit score because we know that having the convenience of a credit card in your wallet.

When you apply online for the Open Sky card you will be getting a best in class offer in the category of secured credit cards.

We are giving this a secured credit card offer a 4.5 out of 5 star review within the credit cards for rebuilding credit category.

Get your credit on-track starting today, apply online now for OpenSky!

Fingerhut Credit Card Review

Review of the Fingerhut Credit Card

Fingerhut Credit Card Review

Review of the Fingerhut Store Credit Card


It’s a terrible conundrum for many people nowadays. In order to do many thing like book a hotel, get car rentals and in some cases even get rental property, you need to have a credit card. However, in order to have a credit card, you need to have a credit rating that warrants getting that card which you can only get by showing that you are responsible with a credit card. Basically, you need to have had a credit card in order to get a credit card.

Fortunately, (or unfortunately depending on your level of responsibility!) plenty of companies have stepped up to fill in the gap (and make a buck) by offering credit cards to people with low or terrible credit scores, marketing them as a way to help people rebuild their credit. Another way that companies pull this off is by offering company specific credit cards which are easier to get but are limited in that you can only use that card in that specific store. Such is a credit card like Fingerhut credit cards.

What is Fingerhut and their Credit Card?

Fingerhut (aside from having a slightly unfortunate name…) is an online catalogue of goods which has its roots as a mail order catalogue company. Fingerhut offers a large number of things now, from furniture to towels, from dishes to tools and like many online retailers, it offers all kinds of bargains, deals, specials and promotions to help you get more for less money.

Fingerhut is also one of many online retailers which offer its own credit card. Most big box stores now-online and offline-offer their own credit card which can be used in those store to purchase things. Fingerhut is no different. They offer a credit card which can only be used when you are purchasing things from Fingerhut and nowhere else. And like other retailers, you can apply for this credit card and be accepted by the program even if you have very poor credit. So long as you use the card properly: pay it off regularly, use it regularly and accept the periodic credit increases, you can build up your credit history and be accepted into other credit card programs in the future.

Fingerhut is well known for offering regular increases to your limit so that while you start with only a few hundred dollars you can easily get quite a bit more over the long run. And of course as long as you use this card properly, you can also build up your credit card history.

The Downsides of Fingerhut Credit Card

While Fingerhut credit card is great for improving your credit history and of course is used for purchasing all of the things found on Fingerhut’s catalogue, it does have some things to keep in mind when you’re using it so that you don’t run into trouble.

First of all, like any store credit card, the Fingerhut card has a fairly high APR; about 24% which is a pretty whopping interest rate to keep track of! It’s therefore a good idea to pay off your credit card every month and try not to carry a balance. You cannot do cash advances or balance transfers with this card, so there are no APRs associated with that. You also don’t get any sort of introductory rates; the APR you get on purchases is what you get. On the other hand, this card has no annual fee, so you can save a bit of money there. It’s also not a secured credit card so you don’t have to put down any money in order to use the card in the first place.

Using this credit card means that you are tied to the Fingerhut store, so make sure that you actually want to shop with this place and that you’ll do it regularly enough to actually make use of the credit card and build up your rating. Fingerhut is one of those larger online places with middling sorts of reviews from shoppers and a variety of experiences, so make sure that you are actually going to use this service before signing up for any credit cards.

Fingerhut isn’t a bad place to do your shopping, particularly if you’re looking for deals, and if it suits you as a shopping area, then getting the credit card tied to it may not be a bad idea. It is very easy to get and can help you boost your credit score. If you’re going to shop at Fingerhut anyway and you want to increase your credit score, this credit card is a good way to do it. You can apply for it here and enjoy!

Kansas City Chiefs Credit Card Review

Facts About The Kansas City Chiefs Credit Card Rewards Offer

Are you surprised at the fact that the Kansas City Chiefs have been doing so well this season, sitting at five games one and zero lost?

Would you be surprised to know that you can be rewarded for your love of the game and earn some cool benefits with one piece of plastic so you can see some of the victories to come for yourself?

Check out the Kansas City Chiefs credit card, part of the NFL extra points series from Barclays and Visa and find out how you can see the Chiefs in action for yourself!

Go KC Go! Here’s more about the rewards Chief’s fans can get when you apply online right now for this really great NFL rewards program:

Kansas City Chiefs NFL Extra Points Credit Card Offer Review

Defend Your Right to Rewards!

Kansas City Chiefs Credit Card Review

Chiefs NFL Extra Points Credit Card Review

The number one reason why the Kansas City Chiefs have been winning is not for the usual reasons, such as a stellar quarterback-Alex Smith is merely considered to be solid-nor because of someone like Jamaal Charles (Tailback) who so far isn’t doing nearly as well as before. But their pass defence has been incredible and it’s for that reason that the team has been rocketing through victories. You can rocket your football rewards as well using the Kansas City Chiefs credit card.

This point reward style credit card gives you 2 points/$1.00 spent in the pro shop or in the stadium and 1 point/$1.00 spent everywhere else. You can also earn 10,000 bonus points if you spend at least $500.00 in the first ninety days of owning the card. These points can be redeemed for some great rewards, from simple cash back to game tickets (including Super Bowl tickets), memorabilia and even VIP experiences. You also get a 20% discount at NFLshop.com and six months of interest free financing on season passes and tickets worth at least $500.00. These are some pretty nice rewards for any football fan and this particular card is emblazoned with the white arrowhead with a KC in the middle on a red credit, clearly showing where your loyalties lie.

Fees Associated with this Card

This credit card does have a few downfalls in terms of cost. It’s a credit card geared for people with at least an average credit rating, meaning that you won’t be seeing low rates. It has one of two potential APRs: middling or high, depending on your credit worthiness and no introductory APR on purchases and balance transfers. On the other hand, this card also has no annual fee and the fees for things like late payments are standard. So it’s not the most expensive card out there by far, but as a specialty card, you can expect to pay more for it.

If you’re following the Kansas City Chiefs this year and you want a little more bang for your buck, then this is the credit card to help you get there. You can apply for the Kansas City Chiefs credit card here and enjoy!

New Orleans Saints Credit Card Review

Facts About The New Orleans Saints NFL Credit Card Offer

The New Orleans Saints credit card is one of the NFL Extra Points credit cards from Visa and Barclays.

If you’re feeling particularly heavenly about now with the Saints’ strong offense and Hall of Famer Drew Brees and you want to show that off, then this credit card may be a good way to do it.

What should you know about the Saints credit card?

Below is what you need to know about the New Orleans Saints NFL credit card rewards offer:

New Orleans Saint NFL Extra Points Credit Card Rewards Program Review

Heavenly Rewards for Football Fans

New Orleans Saints Credit Card Review

New Orleans Saints NFL Rewards Credit Card Offer Review

The Saints are enjoying some favourable reviews; they have a strong offense led by Drew Brees (quarterback) and a decent defence, making them an all around strong team. So if you’re a fan of the Saints, then you’re probably feeling pretty good about it! Put the cherry on the cake with this credit card which features football related rewards and a chance to get some nice discounts. This card is a points reward card and the points you earn can be redeemed for things like game tickets (regular or Super Bowl), cash back credit statements, memorabilia and VIP experiences.

You can earn points to the tune of 2 points/$1.00 spent in the stadium and in the pro shop and 1 point/$1.00 spent everywhere else. You can also get 10,000 bonus points if you spend at least $500.00 in the first ninety days of owning the card. In addition, you can enjoy a 20% discount at NFLshop.com and six months interest free financing if you spend at least $500.00 on season passes or tickets on your card. So all in all, while it is very specialized, you definitely get some savings if you use your card regularly.

Fees Associated with this Card

As a specialty credit card, it’s not the cheapest card to hold. It has no introductory APR rate on purchases and balance transfers and its APR is one of two numbers: middling or rather high, depending on your credit worthiness. The fees for things like late payments and foreign transactions are standard. However, there is no annual fee associated with this card which is a bit of a savings at least. So long as you stay on top of your card’s balance, you should be able to use it and get rewarded without too much trouble.

Feeling heavenly about the Saints and want to show it off? Apply for the New Orleans Saints credit card today and enjoy!

New England Patriots Credit Card Review

Review of the New England Patriots Credit Card Offer Benefits Program

Feeling the patriotism towards football this season?

Or maybe you just want to show that in spite of everything, you are still a New England patriot at heart? Well whatever the reason, the New England Patriots credit card is an easy way to show your love of the team and get rewarded for it at the same time.

If this sounds good to you, what should you know about this NFL Extra Points credit card from Barclays and Visa?

Below are all the benefits, perks & rewards you can get when you apply online right now:

New England Patriots NFL Rewards Credit Card Review

Patriotism Demands Rewards

New England Patriots Credit Card Review

New England Patriots NFL Rewards Credit Card Review

If you’re still steadfastly standing by your team even while Tom Brady (quarterback) has to bite his tongue through interviews and try to play the game in spite of a shambolic offensive and ancient game play plans, Rob Gronkowsk’s injury list and the fact that Aaron (tight end) is being prosecuted in a murder in Boston (oh dear!), then you deserve some rewards for it! The New England Patriots gives you a chance to show that you’re still supportive of the team and get something for yourself out of it too.

This points rewards credit card lets you earn 2 point/$1.00 spent in the stadium and in the pro shop and 1 point/$1.00 spent everywhere else. You can also earn 10,000 bonus points if you spend at least $500.00 in the first ninety days of owning the card. These points can be redeemed for things like memorabilia, game tickets and VIP experiences or as cash back in the form of a statement credit to be applied against other purchases or just cash in your pocket. You also get a 20% discount at NFLshop.com and six months of interest free financing if you spend at least $500.00 on season passes or tickets. While all of these are very specific rewards, it also means that you won’t really see these rewards anywhere else, so it’s a good specialty card.

Fees for Using this Card

As a specialty card, you cannot expect to save a lot of money. This card has no annual fee, but it also has no introductory rate on purchases and balance transfers. Instead, you start out with one of two APRs; a middling one or a somewhat high one depending on your credit worthiness. Other fees like penalty and foreign transaction fees are fairly standard. So you won’t really save money on this card (although the lack of annual fee is nice), but as long as you stay on top of your balance, you should be fine.

If you want an easy way to show your support for the team (in spite of everything!) and you want to get rewarded for it, then this credit card is for you. You can apply for the New England Patriots credit card here and enjoy.

Miami Dolphins Credit Card Review

The Miami Dolphins Credit Card Rewards Offer Review

A fan of the beaches of Miami and the dolphins of the football game?

Then the Miami Dolphins Credit card, part of the NFL Extra Points series from Visa and Barclays, may be just what you need to kick your fandom up to the next level.

Featuring a dolphin wearing a football helmet on a sun against a deep blue-green background, this credit card gives you some good football centered rewards and can really help you get more out of what you spend. So what should you know about this credit card?

Here is a review of the perks you get when you apply online right now for the Dolphins NFL rewards card offer:

Dolphins NFL Extra Points Credit Card Review of Benefits

Don’t Let Anything Keep You Down!

Miami Dolphins Credit Card Review

Miami Dolphins NFL Credit Card Rewards Review

The Miami Dolphins have had some exciting times. Their score stands at 3-2 so far with a recent loss against the Baltimore Ravens and the quarterback Ryan Tannehill is doing an Incredible Hulk impersonation while going through 24 sackings (the… you know, physically painful kind), a rug burn on his wrist and a huge welt on the back. The rest week was spent by him healing! Still, he’s considered to be extremely tough and the strategy now is to keep him on his feet!

Injuries don’t keep this team down and nor should lack of opportunity keep you down. The Miami Dolphins credit card allows you to show your love of the team whenever you use your credit card and you can get rewarded for it. This card gives you reward points which you can then redeem for things like signed mini helmets, VIP experiences, game tickets or just cash back you can use for things like airline tickets or simple cash in hand. You earn 2 points/$1.00 spent in the pro shop or in the stadium and 1 point/$1.00 spent everywhere else. You can also get 10,000 bonus points if you spend $500.00 in the first ninety days of owning the card. Furthermore, this credit card gives you six months of interest free financing if you spend at least $500.00 on season tickets or game tickets and a 20% discount at NFLshop.com

Paying for This Credit Card

Of course nothing in life is free and this credit card is no different. While it has no annual fee, there is also no introductory APR on purchases and balance transfers. The APR on this card is one of two numbers: middling or fairly high, depending on your credit worthiness. This card has fairly standard penalty and foreign transaction fees, so it’s best to just try to avoid them whenever you can. Otherwise, this niche card isn’t ideal for saving money since it’s a niche card that is there to give you very specific rewards in specific ways.

If you’re a fan of the Miami Dolphins, then this credit card will let you get rewarded for your love of the game and the team. You can apply for the Miami Dolphins credit card here and enjoy!


New York Giants Credit Card Review

Review of the New York Giants Credit Card Rewards Offer

The New York Giants credit card is one of the Extra Points NFL series credit cards offered through Visa and Barclays. This credit card, featuring the letters ny on a blue background, is a simple and easy way to show your love of the team and get rewarded for it. So what should you know about this credit card?

New York Giants NFL Extra Points Rewards Credit Card Review

Is the Giants Rewards Credit Card Offer Worth It?

New York Giants Credit Card Review

New York Giants NFL Rewards Credit Card Review

At the moment, fans of the New York Giants seem to either be die hard fans or fans out of habit-the team has not been doing very well of late-to the point where a strip club won’t show their games anymore because the games are too much of a downer (in… well, every sense of the word!) The team has been having problems getting their act together, their quarterback Eli Manning has been doing a lack lustre job, when he shows up at all, and there have been some injuries delaying some of the rest of the team.

Still, true fans of the New York Giants will be there until the bitter end and champing at the bit for the next season, so for those who have a heart to match the Giants, this credit card is for you.

This card is a rewards card that uses points to let you get more out of your purchasing power. You can earn 2 points/$1.00 spent in stadium or in the pro shop and 1 point/$1.00 spent everywhere else. You can also earn 10,000 bonus points if you spend at least $500.00 in the first ninety days of owning the card. These points can be redeemed for things like memorabilia, football game tickets, Super bowl tickets and even amazing VIP experiences like special seats and pre-game shows. Or, if you prefer something more basic, you can redeem points for cash statements on your card which can be applied to things like airline tickets or redeemed for a check.

This card also gives you a 20% discount at NFLshop.com and interest free financing on tickets and season passes (worth at least $500.00) for six months.

So, maybe your team isn’t doing so well this season so far, but at least you can save some money!

Fees Associated with this Card

Of course, this card does have some fees and price tags associated with it. There are one of two APRs associated with this card: a middling one and a higher one, depending on your credit worthiness. You also don’t get any sort of introductory APR on purchases or balance transfers, but there is also no annual fee which is nice. This card has a normal sort of foreign transaction fee and penalty fees so it’s important to avoid them whenever possible.

So even if the Giants aren’t doing so well, you may still feel as though you have to stand by you team and help them weather the storm. This credit card will let you show your love of the team and the game (despite all) and get rewarded for it. You can apply for the New York Giants Credit Card here and enjoy!