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www.target.com.tywe.biz

We begin with the Chase Freedom Cash Visa Card. With the Chase Freedom Cash Visa Card you will get 3% cash back every time you use the card for eligible gas, grocery, and fast service restaurant purchases. You will also receive 1% cash back for every dollar spent on purchases other than the previously mentioned. The card has no annual fee and also has a rewards switch program which allows you to convert you cash to points so you may take your rewards with you. Two cousin cards to the Freedom Cash Visa Card are the Chase Freedom Points MasterCard and the Freedom Points Visa. These two cards have identical benefits to the Freedom Cash Visa Card; however you earn triple points when you use these two cards at eligible gas, grocery, and fast service restaurants.
Plus, you can switch your points to cash if you prefer cash over points.

Next, there is the Chase Flexible Rewards Card, which lets you choose your reward, while allowing you to earn 1 point for every eligible purchase you make with the card. There is no annual fee and you can start redeeming points after you have 1000. Following the Flexible Rewards Card, is the Chase Flexible Rewards Select Card. With this card you earn a point for each dollar purchase. However, with the Flexible Select card you may use your points for travel, merchandise, gift cards or 1.5% cash back. You are allowed to earn unlimited points with the card, that do not expire, and at 2000 points you may redeem you earnings for rewards.

For the next 5 cards, we will start with the Chase Free Cash Rewards Platinum Visa Card. This great card makes every dollar count at millions of locations around the world. Every time you reach 2500 points, you get to redeem the points for a $25 gift card or a $25 check. That is a full, and very satisfying, 1% cash back on every $2500 in purchases you make. If you are looking for cash rebates on gasoline, while allowing yourself to pick the gas station of your choice, consider the Chase PerfectCard Platinum MasterCard. You earn cash rebates everywhere and they are automatically credited to your monthly statement. Our next 3 cards in this section share the same features. They are the Chase Platinum MasterCard, The Chase Platinum Visa and Chase Stars and Stripes. With these 3 great cards you can manage your account online, giving you the ability to check monthly statements, access card info, and pay you bills, all without having to pay an annual fee.

Our last two cards are the Chase Travel Plus Rewards Card and The Check Gallery Platinum Visa Card. Using the Travel Plus Rewards Card, your purchases earn miles that can redeemed for travel rewards including cruises, airline tickets, hotel stays and car rentals. You may travel nationally or internationally with no blackout dates. If you like to pick from a variety of over 20 cards with platinum visa rewards and benefits, then the Check Gallery Platinum Visa Card is for you. Express your individuality when you choose card designs such as flowers, scenic views, smiley faces, cowboys or more.

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www.target.com.tywr.biz

Gift wrapping can be a great outlet for your creativity, if you have the materials and supplies you need to work your magic. But if it's something you leave until the last minute, only to discover you can't find the scissors, you're out of tape, or you only have a small amount of curling ribbon left, it can make for an exercise in frustration and futility. Consider setting up a gift wrapping station in your home and avoid this last-minute stress, not only during the holidays, but for any gift-giving time of year.

Holiday gift bags with handles are a quick and simple fix and come in assorted sizes that will fit everything from the smallest jewelry box to the bottle of wine you're taking with you to your sister's Christmas Eve dinner party. Clear, colored or printed cellophane or cellophane bags also work nicely. Wrap around a coffee cup filled with holiday candies or a tin filled with fudge for a festive touch.

Colored tissue paper can also make any gift seem more festive. Collect several colors to use when lining gift boxes or bags, to cushion delicate items, or even inside cellophane bags. It can easily be jazzed up with holiday themed stickers, or a bit of spray-on adhesive and some sprinkled glitter.

And though there's many great decorative Christmas wraps available, try to keep an adequate amount of solid color wrapping paper available as well. This can also be easily embellished with glitter, ribbons, raffia, markers or yarn. In addition, red will come in handy for Valentine's Day gifts, and green can be decorated with soft pastel-colored egg stickers for a wonderful Easter gift.

Keep a hole punch available at your station to punch holes in your gift cards and tags. A round hole punch can be found in the office and school supply section of any store, and crafts stores have shaped hole punches available in their scrapbook departments. Specialty scissors can add a nice touch to any gift, and can also be found in the scrapbook department. Stickers can be found there as well. They're a fun way to decorate plain gift bags, tags and paper, or can also double as tape when wrapping gifts depending on their size. While there, you might also want to look at their rubber stamps. Some holiday-themed stamps and some red, green, silver and gold ink stamps are a great way to embellish plain wrapping paper, gift cards, or tissue paper wrap.

Curling ribbon is affordable and simple to use, since it can be curled with the blade of a knife or scissors. Be sure to leave a nice length on your gift in order to get nice, loopy curls on the ribbon.

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www.apple.ca.wstw.cc

Gift certificates can make for a great present for anybody. But before you decide to buy a one there is one important question that you should ask yourself. Is a gift certificate to impersonal for the occasion or for the person that you are buying for? The fact of the matter is that even though gift certificates are great presents, they are not always the right thing to do. Before you decide to purchase a gift certificate you will want to take a few details into consideration.

First off, for who do you buy gift certificates for? This is the first question that you will need to ask yourself before you make a purchase. If you are thinking about buying a certificate for your spouse for your anniversary, you may want to reconsider. When it comes down to it a certificate can be seen as impersonal. And for an occasion that is supposed to be so important you may want to stray away from buying a gift certificate.

Also, ask yourself if the recipient will get mad if you give them a certificate. Many people love to buy gift certificates, but at the same time there are some who think that it is a sign of disrespect. In other words, they feel that the giver did not want to put anytime into the buying process so they simply settled for a certificate. If you are worried that your recipient will be mad you will be better off avoiding a certificate. It is not worth taking the risk.

The bottom line is that certificates as a gift can be both good and bad. On the one hand, they are perfect because it gives the recipient the ability to buy what they want, when they want it. But on the other side of things you have to remember that gift certificates are very impersonal. If you give a gift certificate to the wrong type of person you may end up hurting their feelings. And of course this is something that you want to try to avoid at all costs.

So what does all of this mean? Generally speaking, gift cards and certificates can be a good present in some cases and a bad one in others. In order to make sure that you do not give a certificate at the wrong time, make sure that you take your time before you make a purchase. By simply thinking about who you are buying for as well as the occasion, you should not have any problems deciding on if a certificate is the right choice.

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www.apple.ca.sofre.biz

As parents, have you ever considered giving your children what they can claim as their own student credit cards? You may be a bit frightened considering the fact that there are millions of cases of unpaid credit card debts and you may perceive that awarding your kids with student credit cards means a trouble set to a boil.

While this may be true, you can as well look at the brighter side of it. Student credit cards have their own advantages also. Most parents who have tried giving their children an access to student credit cards can tell you that they find such mode an effective way of tracking the expenses of their kids. You have to take note that with the thought of freely giving them student credit cards comes along your own imparting to them the lecture on the concepts of discipline and responsibility.

As you know, either your kids are in high school or in college; they can become successful in controlling their expenses. As you get hold of their student credit card bills, you are able to exercise the power to monitor whatever expenses they incur for several instances. To help you in deciding which student credit card to avail of, take a look at the following insights.

Types of Student Credit Cards

There is always the availability of the different student credit cards. The offers may vary and you may take time to scan whatever is in store for you. In this case, you may be rest assured that your choice is the best that you think it ought to be.

The Citibank platinum student credit card. This type of student credit card is most applicable for the demanding needs of most college students. In an easy light, the Citibank platinum student credit card contains 0% APR within the introductory phase covering a period of six months. Meaning, the purchases made in the first six months will earn zero interest rate. For balance transfers, the same offer may likely be available provided that no default in the terms and conditions has been accrued. The application is quite easy because no co-signer is demanded for.

The Discover clear student credit card. This type lets the cardholder avail of up to five percent cashback as a form of bonus. Such bonus may not expire at all so long that the feature is often used. Another form of bonus for this student credit card type is the gift cards and certificates which can be redeemed from the partners of the Discover student credit card. Sad to say, the offer does not cover balance transfers.

The Citibank MTV platinum visa. With this student credit card, the college student cardholder is automatically benefited with five points as a form of an expression of gratitude for every single dollar that is spent at the record shops, restaurants, video stores, bookstores, or in theaters.

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www.apple.ca.applegift.cc

Discover Platinum Card provides 5% cash back on purchases made at select merchants or in certain categories throughout the year. You will get up to 1% cash back on all other purchases made using the card. Besides, you can increase your cash back bonus when you redeem your cash rewards for gift cards or certificates from the company's partners. Certain circumstances, such as account closure and inactivity for more than 36 months, however, could result in forfeiture of some or all your cash back bonus.

The Annual Percentage Rate or APR is 0% for all purchases till the last day of the billing period. After that the standard APR (estimated between 11.24% and 18.24%) is charged. Balance transfer APR is 0% till the last day of the billing period. Post this period, the standard APR is charged. For defaulters, the rate is between 16.24% and 28.99% and is decided on the basis of their payment history. For cash advances, the APR varies between 20.99% and 22.99% based on what Discover Card you have.

A 25 day (or more) grace period or interest-free period is also there for Discover Platinum Card holders. Credit limit for Discover Platinum Card is $5,000 and $1000 for Discover Gold/Classic Card. The two cycle average daily balance method is applied to determine the card holder's charges. This method is slightly costlier than the more commonly used daily average balance. The Discover Platinum Card has no annual fee. Also, there is no charge for additional cards on one account. You can share all the benefits of the cards with your family members with the additional cards issued in your name.

The fee for every cash advance transaction with this card is 3%. It charges late fee of $15 on balances up to $500, and $39 on balances over $500. Its over limit fee is $15 on balances up to $500, and $39 on balances over $500. You will get air travel accident insurance and rental car collision coverage with this card. Some of the other benefits that the user of discover cards can receive are different card designs, online access to account information, emergency replacement of cards, protection against fraud, Insurance for auto rental, travel accident insurance up to $500,000. The company also provides easy account management options. Its online account options provide you timely reminders about fees and charges.

Discover Financial Services a variety of other cards including the Discover Gold Card, the Discover Platinum Card, The Miles Card from Discover Card and an array of affinity cards. These cards, intended for meeting the different needs of people, have several benefits and incentives.

It is suggested that if you are applying for any of the Discover Cards, you compare the benefits with other cards. Do a little research in the internet before going for the card. Also, you should understand the various jargons and terms like APR, fees, annual charges, cash back bonus, gift certificates etc, mentioned in the application form. If you do not understand any of the term and condition of the card, ask the customer care service for details, they will help you understand.