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The secured credit cards are for families and individuals that have money, yet want a credit card to maintain their credit rates on the records. Spending money is not going to build their credit, therefore they will use the cards to build there credit line. Frequently these people will expend a couple of hundred each month and repay the charges off quickly. This is ludicrous since the repayments paid sooner than the date due will not build any credit lines. Rather, the cardholder must show good faith by paying the cards off on the due date. More Bad Credit and Unsecured Credit Cards


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American Express is one of the well-known card providers that offer low APR. The introductory is 0% APR up to 15 months on some cards, and includes low balance transfer APR. The transfer is 3.99% fixed rates for life on few American Express cards. Few cards offer free reward programs enabling the cardholder to earn points and redeem the points for products, travel, hotels and so forth. Many of the cards offered have no annual fees. More at American Express and Credit Cards


More Places and Destinations in Oceania : Samoa to New Caledonia | New Zealand to Vanuatu

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American Samoa Vacation Guide » Pago Pago | Samoa Island

Australia Vacation Guide » Adelaide | Albany | Albury | Alice Springs | Ayers Rock | Airlie Beach | Brisbane | Broome | Cairns | Canberra | Christmas Island | Cocos Island | Darwin | Gold Coast | Hobart | Launceston | Sydney | Melbourne | Perth
East Timor Vacation Guide » East Timor

Fiji Vacation Guide » Nadi | Mamanuca Islands | Vanua Levu | Yasawa | Sigatoka | Vatulele | Lautoka | Korolevu | Viti Levu | Matei | Suva | Rakiraki | Taveuni | Matangi Islands | Wakaya Islands

French Polynesia Vacation Guide » Papeete | Moorea | Bora Bora | Taha'a | Tamanu | Hiva Oa | Raiatea | Manihi | Huahine | Nuku Hiva | Rangiroa | Tikehau

Guam Vacation Guide » Tamuning | Tumon | Agat

Kiribati Vacation Guide
» Tarawa | Abaiang

Marshall Islands Vacation Guide
» Majuro | Ebeye

Micronesia Vacation Guide » Yap | Kosrae | Pohnpei | Chuuk

Nauru Vacation Guide » Nauru

New Caledonia Vacation Guide » Noumea | Ile des Pins


More Places and Destinations in Oceania : Samoa to New Caledonia | New Zealand to Vanuatu

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American Express is one of the well-known card providers that offer low APR. The introductory is 0% APR up to 15 months on some cards, and includes low balance transfer APR. The transfer is 3.99% fixed rates for life on few American Express cards. Few cards offer free reward programs enabling the cardholder to earn points and redeem the points for products, travel, hotels and so forth. Many of the cards offered have no annual fees. More at American Express and Credit Cards


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