General Issues Related to Payday Loans

Those who are in the business would have you believe that the majority of people who take advantage of this kind of loan do so sparingly. Nothing could be farther from the truth. Once on the payday treadmill, it is almost impossible to get off. Many borrowers believe they are paying off the principle when, in fact, they are paying fees and interest because that is what is taken first.

Local payday loan companies are often found in impoverished neighborhoods. They know the best places to find their victims. Their advertisements are meant to be misleading. For instance, they can offer up to 30 days with a 0% interest rate but not be as forthcoming with respect to the fees and penalties that will drive up the cost of the loan. Clients are told their repayment check will not be cashed until a specified date. However, if the check is cashed early, and they often are, they can bounce which results in more penalties not only from the lender but from the bank, as well.

More Than a Few Bad Apples

There are thousands of companies in the payday loan market. Some are worse than others, but none of them offer the kind of help the people who use them need. If you’re in trouble, you’ll just end up in deeper trouble. There are just some of the worst companies. Money Mutual is on the list because of its celebrity spokesperson, Montel Williams. It is clearly a payday loan company or, at the very least, puts their clients in the hands of payday loan companies.

200cash

http://www.consumeraffairs.com/finance/200cash.html

It seems that 200cash specializes in taking a $19 fee from people who have never applied for a loan with them. They also take this fee from those who apply as well as additional fees and payments but never deposit the loan funds. This company had the most complaints by far.

800loanmart

http://www.consumeraffairs.com/finance/800loanmart.html

This company appears to hire some very rude people according to the consumer complaints. What the complaints about 800loanmart should teach you is that when you are in trouble, taking out a payday type loan will expose you to people who can and will make your life miserable. Not only will you sink more deeply into the quagmire, but you will be treated cruelly and threatened for your trouble.

Ace Cash

http://www.consumeraffairs.com/finance/ace_cash.html

Ace Cash seems to specialize in depositing money in accounts belonging to people who have never applied for a loan. They then harass these people, and try to force them to pay for something they either never received or asked for.

Ace Cash Express

http://www.consumeraffairs.com/finance/ace_cash_express.html

Many of the complaints against Ace Cash Express are from former employees. They make for extremely interesting reading. It is hard to understand how a company can stay in business considering some of the things the employees are saying. If these comments don’t discourage you from taking out a payday loan, nothing will.

Arrowhead Investments

http://www.consumeraffairs.com/finance/arrowhead.html

The complaints against this company are diverse. Some complain they are being harassed for loans they never applied for. Others report threats and rudeness.

Cash Today Ltd.

http://www.consumeraffairs.com/finance/cash_today.html

One of the things to learn from the comments about this company is that once you have done business with a payday loan company, you may be fair game. The question is, why are certain people called and threatened when they have never had a loan with that particular company? You’ll also notice that requests for written proof are denied.

CashAdvanceUSA

http://www.consumeraffairs.com/finance/cashadvanceusa.html

More of the same – customers being called to repay loans they never applied for, threats of arrest and jail, and rude behavior. The more you look at the complaints for all the companies, the more you should realize how dangerous payday loans can be.

Cashcall

http://www.consumeraffairs.com/finance/cashcall.html

The complaints against this company should chill your blood. The amount of money people are paying back for their loans is astronomical. There are a lot complaints that list the amounts borrowed and what has been repaid. Anything has to be better than a payday loan.

Cashnet

http://www.consumeraffairs.com/finance/cashnet.html

More stories of threats against people for loans they never applied for. There are complaints that the people who call and harass “customers” have accents that are difficult to understand. It appears that some companies believe that if the target can’t understand what is being said, the bill might be paid.

Check ‘n Go

http://www.consumeraffairs.com/finance/check_n_go.html

This company just has a fair number of complaints. They are different, and several are from repeat customers who finally got tripped up by the system. In the end, there’s no way to win with a payday loan.

Fast Cash

http://www.consumeraffairs.com/finance/fast_cash.html

There are a lot of complaints by people who are being threatened with jail or actually being sued. Once a payday loan company has you in its clutches, there is almost no way to extricate yourself.

Insta Cash

http://www.consumeraffairs.com/finance/insta_cash.html

More innocent people are being threatened. It can be very frightening when a company calls, has some of your personal information, and demands repayment of a loan you never applied for. Think of how much more frightening it can be when you have applied.

Instant Cash USA

http://www.consumeraffairs.com/finance/instant_cash_usa.html

Apparently, being difficult to understand is a tactic used by people trying to collect debts. They must believe that if they connect with someone who is afraid a loan has been taken out, that person will pay even though they may not owe anything to that company. It must work some of the time, or the companies wouldn’t try that trick.

Money Mart

http://www.consumeraffairs.com/finance/moneymart.html

Here are more stories and more pain and misery. No one wants to end up in financial trouble, and payday loan companies take advantage of people who can least afford it and are unable to protect themselves.

Money Mutual – endorsed by Montel Williams

http://www.complaintsboard.com/?search=money+mutual&everything=Everything

http://www.consumeraffairs.com/finance/money-mutual.html

You would think that someone with the reputation enjoyed by Montel Williams would reserve his personal endorsement for companies with impeccable reputations. Not so. The Internet is full of stories about the suffering endured at the hands of Money Mutual. Like other Payday type companies, their actual fees and other charges are difficult to identify. Lest you think Money Mutual is not in the business of payday loans, think again. Look at http://www.consumeraffairs.com/finance/blackcard_loan.html where you will find a complaint against a company called BlackCard Loan that the consumer found through Money Mutual.

One Click Cash

http://www.consumeraffairs.com/finance/one_click_cash.html

There are so many complaints about this company, it would take a long time to read every one of them. People get confused because the company is not clear about what they are doing. People end up paying many times the original loan amount before they finish if, indeed, they ever finish.

Payday Loan Yes

http://www.consumeraffairs.com/finance/payday_loan_yes.html

Here is more and more and more of the same. Story after story says the same thing. The company tries to get money from people who never took out a loan, or they take so much money from people trying to get out of debt.

USFastcash

http://www.consumeraffairs.com/finance/ufastcash.html

It is true that people should take responsibility for their actions and understand that, regardless of the reason, a failure to pay will result in an unpleasant experience. However, everyone is human and deserves, at least, some courtesy and consideration. When you do business with a payday loan company, you are often treated as if you are no longer human.

The Real Solution

There are some alternatives to payday loans. Some credit unions have started to offer their own version of a payday loan. While they may resemble payday loans in many respects, the ultimate payback amount is significantly lower than that of payday loan companies. This is a service that credit unions offer their members.

There are also organizations that work to educate consumers and help them avoid making decisions that will increase their financial problems. One site that has a lot of information is the Consumer Federation of America’s PayDay Loan Consumer Information found at http://www.paydayloaninfo.org/. The site covers several topics including how payday loan companies are regulated by each state, the facts about payday loans, research, assistance, and a calculator that can help consumers determine how much a loan will really cost.

If you feel that a payday loan is the only choice you have, take a look at Consumer Affairs (http://www.consumeraffairs.com/finance/payday.html). You will find complaints about many companies that might help you navigate the treacherous waters and find a company that is less destructive than others.

If you are in the kind of financial trouble that is overwhelming, there is nothing worse than taking out a payday loan. If, after reading this, you still not not understand why you should avoid payday loan companies, you’ll understand once you’ve done business with one.

What’s the Big Difference Between Credit Cards and Layaway?

When you buy something with a credit card, you can take it home with you that day.  You make payments, pay interest, and pay any fees as required by your credit card company.  With layaway, you don’t take the product home with you right away but instead have to wait until you paid it off completely.  Unlike credit cards, however, despite the fact that you might make payments over a long period of time, you won’t pay any interest.  This can save you a lot of money and allow you to spend cash that would’ve been spent on interest on other things you want.

Why Layaway?

Layaway is for people who have a hard time keeping onto their cash.  Big purchases like computers, laptops, appliances, furniture, etc. can be very expensive sometimes costing thousands of dollars.  Most people don’t have several thousand dollars lying around to buy something outright.  Through layaway, people can make interest free payments on whatever they want and can work a structured budget without worrying about saving the money and/or spending it before they should.

Which Companies Participate in Layaway?

Layaway payment plans used to be fairly popular years ago but died away with the popularity of credit cards.  However, there has a been a resurgence of layaway plans as people have been cutting up their credit cards and have been paying for things with hard cash.  Right now, Sears, Kmart, and participating Best Buy stores provide layaway plans which can be used for products at their brick-and-mortar stores.

Restoring your credit to glory is doable but its not easy and requires smart financing, living within your means, and some time.

Smart Financing

Be smart with the money you earn and spend.  First, if you have debt, work to pay it off.  Do the method often called “snowballing your debt”.  How it works is you figure out what you owe and where.  Figure out what your minimum payments total to as well as know the interest rates on all your loans and credit cards.  Next, take as much money as you can possible use to pay a larger payment on your highest APR (annual interest rate) loan.  If possible, pay double that loan’s minimum payment.  Each month you make payments and with work, you will eventually pay off that loan (hopefully within a year).  Once paid off, take the money you were paying on that one card and apply it to your next highest APR loan (double the minimum payment of the previous loan) and work to pay it off.  Rinse and repeat until everything is paid off.

Once everything is paid off, DON’T CANCEL your credit cards (unless you’re too tempted and will get yourself in debt again).    Keeping your credit cards open, even if you don’t use them, will help your credit rating.  If you’ve missed payments or were late you will have bad credit but keeping those credit cards or what not will show creditors you’ve changed your act and will improve your credit rating over time.

Try to use your credit cards each month but instead of carrying the balance and making multiple payments, fully pay off the credit cards.  Treat your credit cards like cash and don’t spend unless you can afford it right now (without spoiling your savings account).

Living Within Your Means

As described in the above paragraph, don’t use loans irresponsibly.  Treat your credit cards like cash and try to pay off any purchases made with your plastic in one or two payments.  Not only will you spend less money on interest, you will rebuild your credit.  At all times, try to put 10% of your income into your savings account–this money is for rainy days.  If possible, instead of a savings account, use a Money Market savings account which will earn you more interest (why pay interest when you can EARN interest?)

Time and Credit Scores

It can take over 5 years for mistakes made in the past to disappear off your credit.  Bad credit is bad, but over time it will adjust and become positive and its important that you remain positive.  Even though debt is a deep hole, its very much possible to get out if you have solid plan.  Don’t get suckered into financing deals you can’t afford.  Be smart, play hard, and you’ll get out of debt, have a large savings account, and a happy future life!

The SmartyPig Cash Rewards Card

The cash rewards card from SmartyPig is a prepaid credit card which gives you rewards when you shop anywhere MasterCard credit cards are accepted.  To use it you have to deposit money from your SmartyPig goal or other funding source and into the prepaid card.  You can use the credit card anywhere merchants accepted MasterCard either online or at retail stores.  When you shop, you can earn up to 10% cash back on everything you buy at almost 10 thousand retailers.  You can use that bonus cash to deposit into your goal account or back onto the prepaid card.

This rewards card is a unique take on the how you can finance and control your money.  Instead of overspending to earn points or rewards with traditional credit cards, this prepaid MasterCard allows you to control how you spend, decide how much you can spend per month (great for deciding budgets for entertainment or eating out) and then rewarding you for being smart with your money by giving you cash back rewards.

If you’re someone who is looking for something new, that needs to start building up their savings account, and love earning rewards for good financial behavior, definitely consider signing up for a free SmartyPig account today.

Best Rewards Card for Cash Back

There are multiple credit cards that offer cash back rewards.  From the credit cards that I have seen the three best cash back credit cards are:

1. Discover More Card – 5% cash back on select categories that rotate, 5% to 20% cashback through Discover’s online shopping mall, 1% unlimited cashback on all other purchases
2. Chase Freedom MasterCard – 5% cash back on select categories, 2% on airfare, 1% on everything else
3. Citi Dividend Platinum Select Card – 5% cash back on select, rotating categories, 5% back through over 400 retailers on their Citi Bonus Cash Center, 1% everything else

Rewards Card (MasterCard)

Capital One No Hassle Cash Rewards

• 2% cash back on purchases at gas stations and grocery stores
• 1% cash back on everything else
• No annual fee
• 0% APR for one year
• Rewards include cash back, entertainment, gas, and shopping

US Airways Premier World MasterCard

• Double miles on US Airways purchases
• 1 mile per $1 spent everywhere else
• First Class check-in and Zone 2 boarding
• One complimentary US Airways Club day pass annually
• Two $99 companion tickets annually
• No annual mileage cap
• $89 annual fee
• Air travel rewards

Chase Sapphire

• Earn 1 point for each dollar spent
• Earn 2 points for each dollar spent on airfare spent through Chase’s online booking tool
• Use points to apply to purchases made with the card (redemption starts at 2,000 points for $20 statement credit)
• Unlimited rewards with no expiration
• No annual fee
• Rewards include cash back, entertainment, gas, and shopping

GM Card from HSBC

• Earn 5% on purchases to be used towards a purchase of Chevrolet, Buick, GMC, and Cadillac vehicles
• The card for people who love buying new cars
• No annual fee
• Earnings expire after 7 years

Citi Dividend Platinum Select Card

• 2% on purchases for 6 months, 1% after that
• 5% cash back on rotating categories each quarter (like department stores, clothing, and electronics)
• 5% additional cash back at over 400 retailers through the Citi Bonus Cash Center
• No annual fee

Chase Freedom MasterCard

• Earn 1% cash back on all purchases
• Earn 5% from bonus shopping categories that rotate each quarter
• Earn 2% from airfare purchases made through their booking tool
• No annual fee

AT&T Rewards MasterCard Credit Card

• Earn rewards and savings exclusive for AT&T customers
• Earn 1 point for $1 spent on non-AT&T purchases
• Points capped at 50,000 points per year
• Save up to 10% on AT&T purchases and service for the first year, and 5% after that

Sears and Kmart Rewards MasterCard

• Exclusive savings and coupons for card holders
• Special Sears financing offers
• Earn points for every $1 spent
• Special bonus points events

Amazon.com Rewards Visa Card

The credit card that I personally have, the Amazon.com rewards credit card earns points for purchases made on Amazon.com, as well as gas stations, restaurants, and everywhere else.

• 3 points per $1 spent at Amazon.com
• 2 points per $1 spent at gas stations, restaurants, drug stores, and office supply stores
• 1 point for every other $1 spent
• No maximum number of points you can earn
• No annual fee

Best Buy Reward Zone MasterCard

Love electronics?  The Best Buy rewards credit card may be the credit card you’re looking for.  With the credit card, you’re automatically enrolled in the Reward Zone program which gives you exclusive deals, savings, and rewards.  You earn 1 point for each $1 spent on dining and grocery, 2 points per dollar spent at Best Buy, and 1 point per every $2 spent everywhere else MasterCard credit cards are accepted.  With the card you earn reward certificates you can use towards music, movies, and electronics at Best Buy.

Penfed Visa Platinum Cashback Rewards Card

• 5% cash back on gas purchases
• 1% from all other purchases
• No annual fee

Although federal loans are lower interest, ten percent of borrowers still default on their student loan payments. Not only do these individuals suffer the consequences of poor credit ratings but also they remain on the hook for what is owed and more. Lawsuits may result, with additional fees due for court costs. Wages can be garnished and tax refunds forfeited until the loan is repaid. Social security payments can even be partially withheld.

Federal loans, however, are easier to modify and are more forgiving than private alternatives. Interest may be suspended during deferment periods, for example, or payments reduced during times of economic hardship. Options exist to restructure existing installment plans to longer terms as needed. Loan assistance is also available to qualified public employees. Members of the military are granted deferment while serving and six months post service. Because of these provisions, prospective college students are always encouraged to obtain federal loans before other forms of funding. Likewise, it is also recommended to request modification before resorting to default.

For private loans, the consequence of non-payment is even greater. Interest rates may vary with no recourse. When penalties and repeating fees kick in after a delinquency, the amount owed could easily be three times what was originally acquired. As bills continue to mount and eventually become overwhelming, many adults file for Chapter 7 or Chapter 13 protection. One of the most common misconceptions about bankruptcy, however, is that it will eliminate all debt including student loans. With recent laws in effect since 2005, it is almost impossible to alleviate such obligations. Since many alternative loans are also federally guaranteed, wages may also be garnished along with tax refunds.

The bottom line is monthly payments for student loans must be made regardless of a current financial situation. An undergraduate borrowing $100,000 dollars who decides to renege will eventually wind up shelling out more than half a million through a 30-year repayment plan. Continually make installments on student loans or it will cost far more in the long run.

Benefits to Newegg Financing

There are many benefits to paying for an item with the Newegg financing plan.  Many times a consumer can handle the monthly payments, but cannot pay for an item in full.  Using the Newegg account, the consumer can pay for the item over the course of six or twelve months.  The term of repayment is based on the cost of the item.  To make the deal even more attractive, there is no interest if the balance is paid back in the length of time agreed upon.  So if a consumer needs a new computer and purchases it with a six month no interest agreement, as long as it is paid off within six months there is no interest.

Extras Benefits

In addition, the newegg preferred account holder could take advantage of member’s benefits, special financing deals and fraud protection.  There are all-powerful tools in a tight economy.  Families, individuals, and businesses need to keep up with technology for various purposes.  The newegg financing plan helps them accomplish that goal.

Applications only take a few minutes to fill out that can be done online.  Approval is instant which will apply to the product that the consumer is purchasing at the time of check out.

How a Newegg Account Works

As with any line of credit, Newegg has to charge interest on those accounts that are not paid back in mutually agreed to time frame.  The APR is 25.99%.  There is a minimum interest charge of no less than $2.00 each month.  There are no annual fees to hold the account.  The account is the same as a credit card.  Apply for and having the account will affect the consumers credit score.  There are late fees of up to $35.00.  The terms are in line with most other consumer credit accounts. Newegg financing is a great way to purchase new electronics with a reasonable monthly payments.  It is still up to the consumer to be certain that those payments will fit into their budget before making a purchase.

Before applying for bad credit loans, be sure to get your free FICO Credit Score so you can feel empowered and know exactly what lenders see when they run a credit check on you.

Secured Credit Loans

These loans come in several forms. Secured credit cards are the safest way to rebuild a low credit score. Since they are backed by the borrower’s own money or assets, most banks will offer financing to them, however they are typically limited to a few hundred dollars so that they can ensure that they get paid back.

People with the lowest, most desperate credit ratings may not be able to find any other loans with bad credit until they have begun to rebuild with a secured credit card. These people should approach their own bank first to examine policies for getting a card of this type. Wells Fargo, however, is the leading bank to offer, and approve a secured card. Between their fair interest rates and limited fees and the fact that they will take clients with tumultuous credit histories, they are the best starting place.

Where to Find Loans for Bad Credit

Others, whose have credit history that is less troubled, may still be able to seek a loan for the purchase of a new vehicle, a home or even a start-up business. People with scores lower than 620, are considered subprime by most lenders. In such cases, the client can either seek to improve his or her credit (and this may take years) or find a lender who will work with what he or she has. The best subprime lenders are CitiFinancial, CitiMortgage Inc., and PHH Mortgage (formerly known as Cendant Mortgage).

PHH offers their qualifying clients with competitive interest rates on home loans, varying between 11.5% and 14.5%. They have been one of the leading home loans companies in the nation for over twenty years. Because of the large size of the lender, they can take on higher risk clients to finance a home for most credit conditions.

CitiFinancial and CitiMortgage are both subsidiaries of the main CitiGroup. Because the company was so devoted to working with clients in credit crunches, when the economic crisis fleshed out, their way of business was challenged. Fortunately, the struggle subsided and Citi is recovering. They are still among the largest lenders in the nation with trusted portfolios and competitive rates for most people.

Why Choose an Established Financing Company?

An established name is the most important factor in selecting a company to furnish loans for bad credit. While individuals with scores in excess of 700 should be able to find affordable loans with rates as low as 4.7%, clients with rougher histories should expect interest hikes between 7% and 12%. Any company that intends to charge more than 16% on a home loan should be avoided. High interest rates will both serve to make loans impossible to pay off and eventually cripple the holders into a no-pay, no-win situation.

Established names in the industry that offer loans with bad credit can be trusted to offer fairer interest rates. Also, like CitiGroup, if they are challenged by economic crisis, these vast holdings stand a better chance of keeping solvency. If the loan company vanishes, the loan holder has nothing to guarantee his or her assets.

Finally, established financing companies help you avoid companies that use hidden fees, exorbitant interest rates, or even scam you out of your money.

The best laptop for any person will be dependent on what the computer will be used for. First, making a list of all the normal activities will be helpful. Gaming, word processing, web browsing, digital downloads are all possibilities. Will it be used for business, personal reasons, or both? Is there a preference for a Mac or PC? What type of software would be needed? What about screen size? Is there a preference for a small and light weight model that would be highly transportable? This type of laptop would then also have less power and a smaller keyboard and screen. Heavier laptops, with larger screens will have more power, yet they can be harder to travel with. There are many variables one should take into account before starting an online search or walking into their local computer dealer.

Toshiba Satellite L655-S5156 15.6-Inch LED Laptop (Grey) $579.99 $529.99

For an affordable laptop, this Toshiba Satellite is a great choice.  It has a decent processor, 4 GB of RAM, and a 320 GB hard drive.  Overall its a great laptop for someone looking for a laptop to use at home or for school.  It can play videos, surf the internet, and do basic tasks like word processing and spreadsheets.

Acer Aspire TimelineX AS3820T-6480 13.3-Inch HD Laptop (Black Brushed Aluminum) $649.99 0

For a portable, affordable laptop, this Acer TimelineX laptop is designed for people on-the-go and can function for 8 hours without having to be plugged-in.  This laptop is ideal for students or business-people.

Where to Find Affordable Laptop Computers

After one has a good idea of what they want and expect in a computer, they can then begin searching and exploring different brands and also start comparing prices to see what would fit into their budget. This can become overwhelming as almost any place, from Wal-mart to Ebay will have affordable laptops. Wal-mart electronic staff or Ebay sellers may not be able to answer all of your questions and this is when major frustration can occur.

A good place to start, then, could be a local computer store that deals in servicing and selling refurbished computers. While a computer at a place like this would not be new, the staff and personnel usually are extremely knowledgeable and will be able to answer questions that range from simple to complex. Computer Renaissance (1-888-Compren) is a national chain dealing in refurbished PC computers, while authorized Apple service providers, such as the Mac Shack, service, buy and sell refurbished Macs.

Once one has many of their questions asked and has narrowed down to the make and model of laptop computer they want and need, they can begin their actual search. These places could be a great way to find affordable laptop computers:

1. Ebay: There are many authorized sellers with good feedback that give really good deals on laptops. The most important thing is to check out not just the item specifics, but the seller’s history, feedback, warranties and return policy.

2. Craigslist: Although starting to get a bad rep, local Craigslists can be a great way to find an affordable laptop. Often people are selling because they need the money and will often negotiate down to a lower price. The buyer just needs to keep in mind that unless there is already a warranty on the model, then it will be something they cannot return if the computer malfunctions.

3. Best Buy and Circuit City: These can be good places to find cheaper laptops because they will always beat the competition by 10 percent off the advertised price. Watching ads and comparing prices may take time, but can be worth it to get a good deal.

4. Wal-mart, Sam’s Club, Target: Again, these places may carry cheap laptops, but may not have the best quality. If the laptop is just going to be used for Web browsing and word processing, then these places may provide an affordable option, and they should also beat the competitor’s advertised price as well.

5. Online Search: When the buyer knows exactly what they want, just a simple online search of the make, model, and specs can provide many options for buying. The buyer should be ready to ask questions and expect professional customer service and answers to such questions on price, shipping, warranty, and returns.

Finding and buying the best affordable laptops is a process that can take some time, but is worth it in the end. After the actual purchase, a buyer should have a computer that meets all their needs at a price they can afford.

The Amazon Rewards Card offers a little more than just a regular credit card, because there are many excellent features that come with it. Chase issues this credit card, which has been reputable financial institution for many years. The points do take quite awhile to accumulate, but when you get up to 2500 points, you will obtain a twenty-five dollar rewards certificate issued by Amazon.com. You cannot use points at anytime; 2500 points must be accumulated before receiving your reward.

This credit card features no annual fees and special offers to new applicants. Some of the specials that Amazon.com is offering are; no interest for six months, transferring balances for free, and some discounted items. Although there are all of these excellent features, there are a few drawbacks. If you go over your limit there is a charge of thirty-five dollars per month and a late payment can cost anywhere from fifteen to forty dollars. The Amazon Rewards Cards interest rate is quite reasonable, with a rate of about fifteen percent a year but if, your payments are late your interest rate will skyrocket to thirty percent or more per year.

Overall, my Amazon Rewards Card review is extremely positive. It has saved me a lot of money because I have been benefiting from the balance transfers for free, thirty dollars off of my first purchase, and the no interest policy. My account can be accessed online; it will show me my available points, balance that is owed, and it allowed me to very easily pay my bill in about two minutes. I am very happy with my Amazon Rewards card and I will continue to use it as long as possible.

Sign up for an Amazon Rewards Card now.