Having a credit card is a great thing indeed, although most are hard to obtain for those who have a less than perfect credit history. The restrictions for getting most credit cards are so tough that those who have bad credit may find it nearly impossible to get a credit card, or they find themselves hit with extremely high APR rates, and find it hard to compete with the interest. For those who have less than perfect credit or no bank account, there is hope. There are credit cards known as no bank account cards, that can help those with bad credit. These types of credit cards are quite easy to obtain, and they can actually help you to get your credit back and track and live the life youve always dreamed of. Credit cards of this type are pre-loaded, meaning that the credit limit you have it what you load onto the card, by pre payment. If you want to control your spending and know how much you have, this credit card is what you need. They are also great for those who want to learn about managing money as well. Another great thing about these cards is the fact that they will give you power and convenience of a credit card - yet they will allow you to live within the means of your income as well. Before you rush and get one of these credit cards, you should first look around and find the best deal possible. Most no bank account credit cards offer you same rewards and incentives of traditional credit cards, along with online access to your account. The best cards are accepted across the world, and offer you ATM access for instant cash. If a card doesnt offer you these types of features, you should pass it by and look for one that does. Other things to look for with no bank account credit cards include low APR rates, no annual fees, and excellent customer support. Customer support is very important with these types of credit cards, as you dont want a card that doesnt offer you great customer support. If you encounter a problem, you want a company that is going to be there when it matters the most. If you take your time and research no bank account credit cards, youll find one that you cant refuse. There are many to choose from, especially if you look online. You should always compare features and rates, and look for companies that offer you cards with excellent features and low rates. This way, you can get everything you love from traditional credit cards - without having to worry about your credit or needing to have a bank account. PPPPP (word count 452)

Credit cards with cash rebate incentives give you cash rewards each and every time you make a purchase with your credit card. Although there are many types of reward credit cards out there, more and more companies are leaning towards cash back incentives, as most people prefer to receive cash back over any other type of reward. For many, getting cash back is far preferred over air miles, items, or any other reward. If you like to use your credit card often, then youll find that cash rebate credit cards will give you a lot of money in return. Normally, these types of credit cards entail higher fees and APR. You dont want to carry a high balance on these cards at any time, as it normally ends up very costly. If you can off your balance at the end of the month, then your APR wont affect you. Paying off your bill will also allow you to take full advantage of the cash rebate reward. The percentage of cash back will vary, although most normally have 1%, with 5% being applied with certain purchases. For every purchase you make using your cash rebate credit card, youll get a small amount of cash back. Using your credit card on a frequent basis will give you a lot of cash back at the end of the year. If you make big purchases, you can get a lot of cash back by using your credit card, although some may have a limit on just how much of a rebate you get back. If you plan to purchase large items such as furniture, you should check into your cash rebate credit card and find out what the rebate is on these types of purchases. The better rebate cards will normally send a lot of rebate cash your way just for purchasing some of the larger items. Before you get a cash rebate credit card, you should always find out how much of a reward you will be getting with each purchase, and what the limit may be. Once you have reached the limit, some banks will either send you a check, deposit the reward into your bank account, or simply add the reward to your credit card. All three are wise options, although most prefer to have the money added to their bank account - so it can help draw some interest. If you research the rebate card and find out what other features are included, youll normally come out a winner. Make sure you inquire about the credit limit, fees, and other things that you feel you should find out. Once you have researched and found out what you need to know - you can get a cash rebate credit card and begin living life knowing you will be getting cash back for just about anything you purchase. PPPPP (word count 474)