The Top 3 Visa Credit Cards
It is not easy to select the top three Visa credit cards as comparison is normally done based on certain components, such as APR, cash back rewards, cash advance, paying off balance monthly and or carrying balance on amounts owed. As such the top three cards will change based on what criteria is used. Using the clearing monthly balance criteria the three listed below came out on top, however if cash advance was used another set would be tops.
According to www.bankrate.com, an online company that rates credit cards, the top three Visa credit cards based on paying off balance monthly were:
• Simmons First National Bank
• SunTrust Bank
• Farmers and Mechanics Bank
The Visa credit cards were rated on:
• Purchase APR
• Annual Fees
• Late fees
• Over limit fees
• Grace period
• Cash advance APR
• Fees and conditions
Simmons and SunTrust are personal platinum cards, while Farmers and Mechanics Bank is a personal classic. All three had fixed purchase APR of 8.95%, 8.99% and 9.9% respectively. Cash advance APR was also fixed at 12.95%, 19.99% and 19.99%.
None of these Visa cards had an annual fee. Based on the clean balance monthly comparison, these cards charged a late and over limit fee as follows:
• Simmons First National Bank – $29 each
• SunTrust Bank – $39 each
• Framers and Mechanics Bank – $39 each
Of the three, Simmons and SunTrust had a twenty-five day grace period after billing. Farmers and Mechanics Bank offers a twenty day grace period which seemed to be standard. It was also interesting to note that many other Visa cards in the same category had longer grace periods, with many offering up to thirty days.
These cards were based on a national survey for the USA
Watch the video related to visa credit card
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Help answer the question about visa credit card
How exactly does a VISA credit card work?My parents got me a VISA credit card for my birthday, and I just want to know a little more about it. How does it work, really? What happens when I make a purchase? Just any general information about credit cards…
I've already been on howstuffworks, so don't direct me there.
It's a secured card. I think I get $1000 on it per month or something.
September 15th, 2009 at 12:07 pm
You need to register your name & address to card online or by phone. I had the red vanilla visa card(upper left card) and mostly it wouldn't let me buy things online the money will be taking off and the online store say they didn't receive it. I called the card on the back which i believe 1-800-680-5941. They told me that the money is being held by them because the store didn't authorize it. It will take at least 7 days to be put back on card. Most of the time ACH can not verify name and address match to card. So, use debit card or get them register with your name and address. Or just use them at local stores. ANOTHER ALTERNATIVE IS TAKE IT BACK TO STORE WHERE YOU BOUGHT IT WITH THE RECEIPT IN HAND OR CALL VISA # ON BACK TO SEE IF YOU HAVE FUNDS TO SPEND OR WHAT IS HAPPENING.
September 15th, 2009 at 12:16 pm
You have to put it in if you want to buy something. They need to information to verify if it is a fake card or not. I've boughten of them and nothing bad happened. It is probably safer to buy off your PS3 than your computer because you don't use it to surf the web and it probably has no spyware.
Does the site's link have https instead of http? That means no one else can see what your typing no matter what.
September 16th, 2009 at 9:42 am
September 17th, 2009 at 12:27 am
is the product in stock?? i've waited weeks before i found out it was on backorder…
September 17th, 2009 at 2:20 am
It appears legit.
September 17th, 2009 at 10:53 am
I suggest you log on to their site and access their customer service via email.
http://www.thinkgeek.com/brain/custserv/gethelp.cgi
Although I have not ordered from thinkgeek.com, I have friends who have. My experience from ordering from other companies on the web is that delivery time varies. Some items can take two weeks or longer if the item is out of stock.
September 17th, 2009 at 8:26 pm
1. Blue, the only good thing I can think of that's pink is well… Nevermind, change my answer.
2. Diamonds, don't care much for art.
3. Santa, he's got lots of ho's.
4. Whipped Cream, easier to spray in your mouth.
5. Visa, I use it.
6. Ferrari, I don't see as many.
7. The second one, just because.
8. PETA, they work for all animals. Both are crazy though.
9. Cats, they stay out of your face more.
10. Camel, they look funny.
11. Barney, watched him when younger.
12. High Five? Is that a children's program or something?
13. Cookie Monster, who doesn't like cookies.
14. Credit Card Fraud, less energy required.
15. Sky Diving, there's kraken's somewhere in the ocean, I know it.
16. Skiing, I like the cold.
17. Enlightenment, then I sell all life's answers.
18. Depends for what you're talking about. I'll say girls though.
September 18th, 2009 at 3:19 am
ok..
September 18th, 2009 at 5:58 am
you need the brokerage account for the rewards to go into 5 days, at the end of the month. the brokerage if you open with the credit card has no minimum balance requirement.
I dunno about the check mailing part but i have my brokerage account linked to my bank accounts and transfer them out electronically.
I have the card for 3 or so months
PS the great thing about the card is that there is no currency conversion fee so i love traveling with this puppy, usually credit cards charge you 3%……