Silver Credit Cards

The lowest in the hierarchy of precious metal named credit cards, silver credit cards have been around since the conception of credit cards in the mid-1950s. Today silver cards have been surpassed in prestige by gold credit cards and platinum credit cards and so have more commonly come to be known as 'standard' or 'basic' credit cards.

Advantages of silver credit cards

The advantages that silver credit cards have over other types of cards include:

* lower annual membership fees (if any)

* lower threshold salary which you need to earn if you want to apply

* the same credit limit as other credit cards if you have a good credit history or manage your card sensibly

* 0% interest for between 6 – 9 months when transferring your account balance from one credit provider to another

The simple fact is, if you are not that fussed over the 'image' you portray when you are out shopping with your credit card, and are more concerned with how you manage your credit card debit, then silver credit cards are certainly more favorable than any other credit cards on offer.

Disadvantages of silver credit cards

* lower cash withdrawal limits

* less rewards in rewards promotion packages, such as a lower percentage rate cash back return with cash back credit cards or lower airmiles with airmile credit cards

* less travel perks – for example, if you have a gold or platinum card you may be entitling to automatic upgrades when traveling, but as there are more more standard silver credit cardholders, it is illegally this benefit will be afforded to you as well

* less prestige, which may mean retailers are less willing to give you the same service as they may provide to gold and platinum cardholders.



Source by Joseph Kenny

The Ultimate Travel Guide For First Time Travelers

As common as air travel may have become now, there are still a lot of people all around the world who haven’t travelled by an airplane before. To people whose life spins around traveling this may seem strange but this is a fact we all need to accept. But if you’re one of those people who haven’t had the chance to travel by a plane yet, fret not- there is nothing to be embarrassed about you are not alone. And if you’re planning on getting out there and experiencing air travel then this article is the only thing you need to read to have the time of your life!

1. Research Before Travel:

Since you won’t have much experience in the ways of the airfare make sure that you do loads of research. Ask friends about their travel experiences, browse through the internet and try to get yourself a good travel agent. Because travelling is so much greater than you might think and there are many small details that one needs to consider before travel.

2. Establish A Budget:

This is literally the most important thing you need to do to make your trip a successful one. While you set the amount of money that you are willing to spend for your trip or vacation, make sure that the amounts that you assign have loads of buffer. This means that you should consider emergencies while planning your budget and also calculate the maximum you are willing to spend on something. This will ensure that you end up spending less than your expectations.

3. Get Vaccinations:

Many people usually get vaccinated when they travel internationally, however it is also important you do the same for national travels. This way you’ll prevent yourself from getting any undesired and unnecessary diseases when you travel. Think about it and save yourself the trouble of getting sick by taking care of vaccinations beforehand.

4. Avoid Motion Sickness:

If you’re someone who is prone to motion sickness or other such problems when you travel by road than it is highly likely that you will be affected when you travel by air. So as a precautionary measure make sure you take anti-emetic medicines before you start your travel to avoid discomfort.

5. Keep Important Things Handy:

Stuff like your passport and ticket will be required frequently and you need to keep it someplace where you can readily take it out and where it won’t be lost. Also make sure you have some extra cash with you at all time (keep it in your socks). Just in case you lose your stuff you won’t have a problem travelling around.

Travelling can be hard for even the most seasoned travelers and if you’re someone who’s travelling for the first time then you probably don’t know what you’re in for. So keep the above mentioned things in mind and your travel experience will turn out great. Make your first time travel the best!



Source by Abuzar Mir