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As we are now live in a connected global economy, online credit cards are the wave of the future. It is no longer necessary to walk into your bank, and ask for a credit card application and wait days to see if it was accepted. Internet webpages have simplified the entire process, and provide individuals an almost instant confirmation of the approval of their application. Nearly every formal brick-and-mortar banking institution now offers an online portal, to their customers and visitors, as a way to apply for all sorts of types of loans and credit cards. Specific Dedicated Business Credit Cards Now, there are even direct online connections to businesses that offer their own line of credit. Many department stores and gas companies see the advantage of offering specific credit dedicated to spending money at their business establishment. Having a Macy's or Shell credit card assures those businesses that the customer most likely will make repeat purchases based solely on the ease of buying their products now, and paying for them later. While most of these cards carry a high interest rate, paying them off in full every month still offers many advantages over simply paying in cash. Cards with Perks Should a customer already have a credit card from a specific business, it is important to take advantage of all the perks available by using that card. Many department stores offer huge savings to their cardholders on sales not made available to the public, or before items go on sale to everyone, providing them better selections. Additionally, many stores send out "By Invitation Only" announcements to their cardholders for free goods or services. Gas companies are especially creative at coaxing their cardholders to their place of business to fill up their tanks, in lieu of spending money with the competition. Some Shell credit cards, and other gas company cards offer 5% cash back on all the gas purchases made by an individual. While that 5% might get eaten up by high interest rates on balances not paid in full every month, prudent individuals take full advantage of using these cards, over cash or a debit card. Using Cards to Shop for Bargains Through the power of the Internet, there are websites that now offer direct links to dozens of top banking institutions offering low interest credit cards to the public. This one stop shopping approach to finding the best card, with the best annual percentage rate (APR), and low or no annual fees, provides alternatives and options to individuals seeking ways of saving money. Online credit cards are readily available for individuals with all types of credit rating scores including Bad, Poor, Fair, Good, Excellent and even those with no, or limited, credit history. There are cards that offer rewards, such as cash rebates, frequent flyer miles, small business cards, point reward systems, gasoline credit and even free hotel nights. These websites offer expert advice and the most up to date information on all types of online credit bank applications. credit-land.com offers links to a variety of online businesses providing credit cards such as American Express, Capital One, Chase Credit Card, Citibank, Discover, MasterCard and Visa. Their online credit card applications are available for individuals and businesses with all types of credit history.
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