Rebuild your credit with Next Millennium

Best Secured Credit CardThe Next Millennium Card is the long awaited and totally sensible missing link between savings and spending. So many Americans have got into trouble with mounting debt because of the cheap credit decade of the ‘noughties’, that it will be a long time before the nation can get back to common sense money management. But the new Next Millennium Card is a great step forward in personal budgeting.

The big problem with credit cards has been the fact that they amount to unsecured loans. The new Next Millennium Card is lending secured on actual savings. So when you buy stuff with your Next Millennium Card you must have the money in an FDIC insured savings account. You can only spend on the card the amount that you have in savings.

NO credit checks, NO turn downs, and secured credit limits can go as high as $5,000.00. Get the Next Millennium Card today.

Because the Next Millennium Card is a secured credit card based on your real assets, your savings there is no credit check involved when you apply for one. Application is a simple process you will only need to have your usual demographic data verified. This means your age, your social security number of course and your home address. All of which will be verified without reference to your repayment track record or FICO score.

The processing fee, payable when you apply for the Next Millennium Card is $93 and so confident are they that you will be approved, that they offer a double refund of this amount in the unlikely event that you fail to gain approval. Look for the details of this ‘double your money back guarantee’ in the terms and conditions on the Next Millennium Card website. There are 5 easy steps to this application process;

* Fill in and submit your application form along with the processing fee.
* Next Millennium Card will confirm receipt of fee and provide documents the saver needs to open the FDIC insured savings account that underpins the repayment of the credit card balance. If, and this is very unlikely, you can not meet all of these conditions, this offer will be withdrawn, and your processing fee will be lost to you. Failing to send your deposit will, of course lead to the application failure. Inaccurate or false information will also mean loss of deposit.
* Once the documents are completed and received along with the funds for the deposit, your age, social security number and residence data will be verified.
* You must open the savings account with the Next Millenium bank with a minimum deposit of $300 ($5000 maximum). If you do not open an account meeting these requirements within 60 days, the offer of credit will be withdrawn and your deposit lost.
* After verification your credit card will be sent to you and you can spend up to the limit of your savings by using the credit card in the usual. If data cannot be verified you will receive a full refund of your savings account and double your processing fee.

Many Americans, overburdened with debt at this time, will find the new secured Next Millennium Card allows them to rebuild their credit score. They and you can have an improved relationship with creditors every time you and they make repayments on time. A 100% credit track record on your account is a pre-requisite to getting control over your finances. Lenders will steadily become more confident in your ability to ask for and receive increased credit limits. With the Next Millennium Card you can increase your credit limits at any time with extra savings deposits.

The Next Millennium Card has a credit limit minimum of $300.00 and a maximum of $5,000.00 per card. These figures are also the initial deposit limits per card. But you control the actual limit by choosing the the amount you deposit in your secured savings account with New Millennium Bank. Your credit limit and your savings balance in your insured savings account are always the same.

The beauty of the next Millenium Card is that it puts you firmly in control of your financial life. This is your money, which you commit to secure repayment of all credit offered to you through this program.

This Secured Credit Card is accepted ANYWHERE MasterCard is accepted! Get it NOW!

Teach your kids how to manage credit with a prepaid credit card

creditcards-main_Full“My daughter hates me. Well that’s how it seems most of the time these days. She is 18, just off to college and totally rejecting of all my good fatherly advise. She is beautiful and bright as a button but refuses to make a budget and to stop spending any money that comes within her reach. I’ve solved all my daughter-money problems with a Vision Premier Prepaid Visa card.”

Ding, Ding Ding: Now entering the ring: Vision Premier Prepaid Visa, the answer for fathers and mothers trying to teach their children credit card responsibility.

Get a Prepaid Visa Card – No credit check. Quick approval. Shop online, pay bills, use ATMs

Thank heavens that she came of age just at the same time as these relatively newish, prepaid cards. I would be in serious trouble without it and so I bet would most other fathers and mothers of college aged kids attempting to teach their children how to manage their credit. The Vision Premier Prepaid Visa card looks just like a real credit card but is an improvement on those ‘prepaid gift cards’ that so many stores have had for a while. Prepaid payment cards are the reins for headstrong girls and guys and the answer to parents’ prayers. They might not like it, but dads and moms everywhere rejoice.

Visa Prepaid Card

You see, you can send them a monthly cash allowance on the same day each month, because the Vision Premier Prepaid Visa card is linked to your Internet bank if you so choose. A prepaid card is a payment card that can be topped up with my money by you or even someone else. No money orders or Western Union hassle and no dangerous cash carrying for your child. They can use it to pay their bills and even buy CDs and stuff online. Best of all is that it won’t let her spend more than their prepaid allowance, so no potential credit card problems. They have to budget their money or go without when there is too much month left and the money runs out.

Certainly it’s only a phase, but they can maintain the social acceptance factor of their peers by having their own “credit card”. So, score some points there because the Vision Premier Prepaid card looks just like a normal credit or debit card. Its got the works, with a card number, signature strip and company logos. But it just isn’t a credit card and there is no line of credit. There is also no debt to be had from an overdraft facility as she could get with a normal debit card. They simply cannot borrow money with a prepaid card – they can only spend the money that is loaded onto it. She won’t lose face and you won’t lose cash when they hand their card over to the cashier at the till or reads out the card details over the phone. The can even use their Vision Premier Prepaid Visa card to pay for downloaded music on the Internet. In fact, their card will be accepted anywhere Visa is accepted, which is just about everywhere.

When they use their prepaid card, the cash is instantly taken from the sum loaded onto the card, rather than from a line of credit from a bank or finance company. As long as they control their spending and have money available, they can continue to use their prepaid card to buy whatever they need. Upon arrival of the card, they will need to activate the card by following the instructions from the card provider. You reload the card when you want to, each month with an on-line transfer. You could do this at the bank if you prefer, safely and securely. The real beauty of the Vision Premier Prepaid Visa card is that there’s no danger of your son or daughter going overdrawn and straying unknowingly into debt. Once again, once the money you load onto the card has been spent, they can’t spend any more until you or they reload it.

Many parents wish the Vision Premier Prepaid Visa card could bring back their loving little girl or son once more, but it can’t. What it will do however, is make them manage their money without having to acknowledge the wisdom of your advise while keeping them financially secure.

You should seriously consider the fact that most kids have never managed money on their one, especially credit cards. Most college kids get themselves into credit trouble because they see themselves spending credit, not cash. This card will help them tremendously while preventing them from doing something that will hurt their credit for 7-10 years. You could call it a trial period, before they take the big leap and responsibility a true credit card requires.

Get a Prepaid Visa Card – No credit check. Quick approval. Shop online, pay bills, use ATMs