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	<title>Credit Card Blog at Smart Credit Choices &#187; Misc</title>
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	<link>http://www.smartcreditchoices.com/blog</link>
	<description>Be Smart About Credit Cards</description>
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		<title>Why the Regulation of Credit Card Merchant Fees Will Curtail Rewards</title>
		<link>http://www.smartcreditchoices.com/blog/2012/02/why-the-regulation-of-credit-card-merchant-fees-will-curtail-rewards/</link>
		<comments>http://www.smartcreditchoices.com/blog/2012/02/why-the-regulation-of-credit-card-merchant-fees-will-curtail-rewards/#comments</comments>
		<pubDate>Thu, 02 Feb 2012 19:42:28 +0000</pubDate>
		<dc:creator>Smart Credit Choices</dc:creator>
				<category><![CDATA[Misc]]></category>
		<category><![CDATA[Smart Credit Card Tips]]></category>

		<guid isPermaLink="false">http://www.smartcreditchoices.com/blog/?p=743</guid>
		<description><![CDATA[Consumers love to receive credit card rewards from their spending. So long as cardholders pay their balances in full and on time, these benefits come at no cost to themselves. At the same time, a different situation exists for merchants who accept credit cards. They must pay merchant fees that typically consume 3-5% of the [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>About the Chase Ultimate Rewards Mall</title>
		<link>http://www.smartcreditchoices.com/blog/2011/12/about-the-chase-ultimate-rewards-mall/</link>
		<comments>http://www.smartcreditchoices.com/blog/2011/12/about-the-chase-ultimate-rewards-mall/#comments</comments>
		<pubDate>Sun, 04 Dec 2011 18:14:29 +0000</pubDate>
		<dc:creator>Smart Credit Choices</dc:creator>
				<category><![CDATA[Credit Card Deals]]></category>
		<category><![CDATA[Did you know?]]></category>
		<category><![CDATA[Misc]]></category>
		<category><![CDATA[Smart Credit Card Tips]]></category>
		<category><![CDATA[chase ultimate rewards]]></category>
		<category><![CDATA[chase ultimate rewards mall]]></category>
		<category><![CDATA[ultimate rewards]]></category>

		<guid isPermaLink="false">http://www.smartcreditchoices.com/blog/?p=716</guid>
		<description><![CDATA[While many rewards credit cards are tied to an affiliate’s loyalty program, some banks offer their own proprietary points system for use with their credit cards. Integral to these points programs are a means to redeem the currency for products and services. These programs can also allow customers to make purchases at select merchants in [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>ShopDiscover Online Shopping Rewards</title>
		<link>http://www.smartcreditchoices.com/blog/2011/11/shopdiscover-online-shopping-rewards/</link>
		<comments>http://www.smartcreditchoices.com/blog/2011/11/shopdiscover-online-shopping-rewards/#comments</comments>
		<pubDate>Mon, 28 Nov 2011 18:02:01 +0000</pubDate>
		<dc:creator>Smart Credit Choices</dc:creator>
				<category><![CDATA[Did you know?]]></category>
		<category><![CDATA[Misc]]></category>
		<category><![CDATA[Smart Credit Card Tips]]></category>
		<category><![CDATA[discover]]></category>
		<category><![CDATA[discover cash back]]></category>
		<category><![CDATA[discover online shopping mall]]></category>
		<category><![CDATA[shop discover]]></category>
		<category><![CDATA[shopdiscover]]></category>

		<guid isPermaLink="false">http://www.smartcreditchoices.com/blog/?p=713</guid>
		<description><![CDATA[Everybody knows that you can use your cash back rewards card to save money on your everyday purchases. Indeed, banks compete fiercely with each other in order to offer customers the best cash back return rates, with their best offers only being separated by fractions of a percentage point. At the same time, most card [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>About the Citi Bonus Cash Center</title>
		<link>http://www.smartcreditchoices.com/blog/2011/11/about-the-citi-bonus-cash-center/</link>
		<comments>http://www.smartcreditchoices.com/blog/2011/11/about-the-citi-bonus-cash-center/#comments</comments>
		<pubDate>Tue, 22 Nov 2011 17:56:29 +0000</pubDate>
		<dc:creator>Smart Credit Choices</dc:creator>
				<category><![CDATA[Credit Card Deals]]></category>
		<category><![CDATA[Did you know?]]></category>
		<category><![CDATA[Misc]]></category>
		<category><![CDATA[Smart Credit Card Tips]]></category>
		<category><![CDATA[citi bonus cash center]]></category>
		<category><![CDATA[citi cash back rewards]]></category>
		<category><![CDATA[citi credit cards]]></category>

		<guid isPermaLink="false">http://www.smartcreditchoices.com/blog/?p=710</guid>
		<description><![CDATA[Frequent flier miles and other loyalty points will always be devalued over time, but cash back is the ultimate credit card reward. Like most other banks, Citi offers a variety of cards that return different levels of cash back based on various merchant categories.  Beyond the standard cash back returned, Citi offers additional rewards for [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Is the Sears Card Worth Getting?</title>
		<link>http://www.smartcreditchoices.com/blog/2011/07/is-the-sears-card-worth-getting/</link>
		<comments>http://www.smartcreditchoices.com/blog/2011/07/is-the-sears-card-worth-getting/#comments</comments>
		<pubDate>Tue, 19 Jul 2011 00:37:50 +0000</pubDate>
		<dc:creator>Smart Credit Choices</dc:creator>
				<category><![CDATA[Credit Card Deals]]></category>
		<category><![CDATA[Credit Card Reviews]]></category>
		<category><![CDATA[Did you know?]]></category>
		<category><![CDATA[Misc]]></category>
		<category><![CDATA[Smart Credit Card Tips]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[sears]]></category>
		<category><![CDATA[sears card]]></category>

		<guid isPermaLink="false">http://www.smartcreditchoices.com/blog/?p=566</guid>
		<description><![CDATA[Like nearly all credit cards issued by retailers, the Sears card offers extremely limited benefits and zero convenience while charging obscenely high interest rates. While this card may be easier to get than traditional credit cards for consumers with a mediocre or limited credit profile, any consumer that can qualify for a general credit card [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Home Depot Credit Card Promotions and Rates</title>
		<link>http://www.smartcreditchoices.com/blog/2011/07/home-depot-credit-card-promotions-and-rates/</link>
		<comments>http://www.smartcreditchoices.com/blog/2011/07/home-depot-credit-card-promotions-and-rates/#comments</comments>
		<pubDate>Sun, 10 Jul 2011 16:22:51 +0000</pubDate>
		<dc:creator>Debbie Dragon</dc:creator>
				<category><![CDATA[Credit Card Offers]]></category>
		<category><![CDATA[Misc]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[home depot card]]></category>
		<category><![CDATA[home depot credit card]]></category>
		<category><![CDATA[interest rates]]></category>

		<guid isPermaLink="false">http://www.smartcreditchoices.com/blog/?p=549</guid>
		<description><![CDATA[The Home Depot credit card is a member of the Citi Credit Card family, which means you benefit from the quality of Citi credit cards in addition to the ability to make interest-free purchases at Home Depot. One of the best features of the Home Depot consumer credit card is the ability to get instantly [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Gap Credit Card Features and Drawbacks</title>
		<link>http://www.smartcreditchoices.com/blog/2011/07/gap-credit-card-features-and-drawbacks/</link>
		<comments>http://www.smartcreditchoices.com/blog/2011/07/gap-credit-card-features-and-drawbacks/#comments</comments>
		<pubDate>Wed, 06 Jul 2011 15:54:59 +0000</pubDate>
		<dc:creator>Debbie Dragon</dc:creator>
				<category><![CDATA[Credit Card Reviews]]></category>
		<category><![CDATA[Did you know?]]></category>
		<category><![CDATA[Misc]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[gap]]></category>
		<category><![CDATA[gap credit card]]></category>
		<category><![CDATA[gap visa]]></category>
		<category><![CDATA[store credit card]]></category>

		<guid isPermaLink="false">http://www.smartcreditchoices.com/blog/?p=545</guid>
		<description><![CDATA[The Gap offers two credit cards: a store use only card and a Gap Visa. Both the store only and Visa versions of the Gap card offer good benefits at the Gap and Gap owned stores including Banana Republic, Old Navy, Piperlime and Athleta. However, both Gap credit cards suffer from the same issues common [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Features of the Cabela&#8217;s Club Visa Card</title>
		<link>http://www.smartcreditchoices.com/blog/2011/07/features-of-the-cabelas-club-visa-card/</link>
		<comments>http://www.smartcreditchoices.com/blog/2011/07/features-of-the-cabelas-club-visa-card/#comments</comments>
		<pubDate>Sat, 02 Jul 2011 21:23:15 +0000</pubDate>
		<dc:creator>Debbie Dragon</dc:creator>
				<category><![CDATA[Credit Card Offers]]></category>
		<category><![CDATA[Misc]]></category>
		<category><![CDATA[cabelas card]]></category>
		<category><![CDATA[cabelas club visa]]></category>
		<category><![CDATA[cabelas credit card]]></category>

		<guid isPermaLink="false">http://www.smartcreditchoices.com/blog/?p=541</guid>
		<description><![CDATA[Cabela’s, the sporting good retailer, offers a Visa credit card that is targeted towards shoppers who frequent their wildly popular stores. Unlike many store credit cards, the Cabela&#8217;s card charges a reasonable interest rate and can be used wherever Visa is accepted. However, as is the case with all credit cards that earn limited, merchant [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>The Best Credit Card Offers In Years</title>
		<link>http://www.smartcreditchoices.com/blog/2011/06/the-best-credit-card-offers-in-years/</link>
		<comments>http://www.smartcreditchoices.com/blog/2011/06/the-best-credit-card-offers-in-years/#comments</comments>
		<pubDate>Tue, 28 Jun 2011 14:28:14 +0000</pubDate>
		<dc:creator>Smart Credit Choices</dc:creator>
				<category><![CDATA[0 apr credit cards]]></category>
		<category><![CDATA[Balance Transfers]]></category>
		<category><![CDATA[Credit Card Deals]]></category>
		<category><![CDATA[Credit Card News]]></category>
		<category><![CDATA[Credit Card Offers]]></category>
		<category><![CDATA[Did you know?]]></category>
		<category><![CDATA[Misc]]></category>
		<category><![CDATA[Smart Credit Card Tips]]></category>
		<category><![CDATA[credit card bonus]]></category>
		<category><![CDATA[credit card companies]]></category>
		<category><![CDATA[rewards cards]]></category>

		<guid isPermaLink="false">http://www.smartcreditchoices.com/blog/?p=574</guid>
		<description><![CDATA[One year ago, consumers were still finding it difficult to gain approval for credit cards. Today, credit card companies are rolling out the red carpet, offering applicants sky high sign up bonus, ultra long 0% interest rates, and just about everything else under the sun.  Finding a good credit card is no longer an issue, [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Is The Macy&#8217;s Credit Card a Smart Choice?</title>
		<link>http://www.smartcreditchoices.com/blog/2011/06/is-the-macys-credit-card-a-smart-choice/</link>
		<comments>http://www.smartcreditchoices.com/blog/2011/06/is-the-macys-credit-card-a-smart-choice/#comments</comments>
		<pubDate>Fri, 24 Jun 2011 13:00:04 +0000</pubDate>
		<dc:creator>Smart Credit Choices</dc:creator>
				<category><![CDATA[Credit Card Deals]]></category>
		<category><![CDATA[Credit Card News]]></category>
		<category><![CDATA[Credit Card Offers]]></category>
		<category><![CDATA[Credit Card Polls]]></category>
		<category><![CDATA[Credit Card Reviews]]></category>
		<category><![CDATA[Did you know?]]></category>
		<category><![CDATA[Misc]]></category>
		<category><![CDATA[macys card]]></category>
		<category><![CDATA[macys credit card]]></category>
		<category><![CDATA[macys credit card offer]]></category>

		<guid isPermaLink="false">http://www.smartcreditchoices.com/blog/?p=570</guid>
		<description><![CDATA[The Macy&#8217;s card is a high interest rate credit card with a number of drawbacks. While really heavy Macy&#8217;s shoppers who always pay their credit card bills in full may benefit from the various promotions and deals offered to cardholders, most consumers can easily find a better credit card that is more widely accepted with [...]]]></description>
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