American Express credit card or called AMEX credit card, is one of the most popular names and most used credit card wordwide. many card holders who already have MasterCard or Visa credit cards in their wallet are still want to apply for an American express credit card.

American Express credit card come in multiple varieties that were made to cater to the varying needs of credit card consumers. Each one is tailor made for a certain types of credit card consumers.

Along with American express and Visa/Mastercard there are difference between these two companies and American Express. Well the difference is quite simple.

Visa and MasterCard are both payment providers. They have a system which they allow business to use in order to accept payments using these cards. Visa and MasterCard are issued by banks rather than by the companies themselves. The banks also receive the interest payments; in fact all of the processing is done by the banks rather than by the credit card companies.

Therefore often see cards bearing both the Visa (or MasterCard) logo along with the issuing bank’s logo. Visa cards do not come directly from Visa; only the Visa-member bank issues the Visa credit cards directly to consumers.

While American Express credit card is a very different arrangement. Not only do they have their own payment system, but the American Express credit card is also issued directly to credit card cardholders by American express itself. So they are running the whole show. If a credit card says American Express on it, you know instantly who issued it, what payments system it utilities and everything else about the American express credit card.

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Any of you who are looking to apply the best credit card for your own, should first look into the terms associated with that credit card option.  There are a lot of different best credit card features that you can get with credit cards these days, including low APR, rewards, no annual fees, and several other perks designed to keep you using your best credit card.

There are several best credit card that you can choose from as well, giving you a slew of different best credit card options.  There are best credit card with instant approval, best credit card with low interest rates, cash back best credit card, reward best credit card, and even prepaid best credit card.  If you have good credit, you won’t have a problem getting any type of best credit card you desire.

Most people think of the best options with credit cards being the rewards.  Reward best credit card are great to have, as they give you extra incentives for the money you spend.  Whether it’s cash back or points to redeem towards hundreds of items, cash back best credit card make it worth your time and interest to use your credit card.  These best credit card are becoming very popular, as they offer you features that other types of credit cards generally don’t offer.

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If you plan to buy cheap LCD TV. Apply Citibank credit card today and you can buy Apply a LG 32’ LCD TV for only RM 1,199 ( Retail price RM 1,799). This latest Citibank credit card promotion start from June 8 2009 till Oct 31 2009. Meantime you also can get 5 X rewards points for Clear, Gold, Platinum credit cards for the LG LCD TV purchase.

This promotion only open for new to bank customers including second card and supp card. Existing Citibank credit card member insist to order must request a separate order form from Citiphone. Some term and condition requirement to spend > RM600 and faxed sale draft ( up to 3 and in the same calender month to JCMS to verified before fulfillment).

Upon card approval, card members will receive the welcome pack together with offer form.  Card members will have to complete and fax the completed form to JCMS directly at toll-free fax number 03-7785 7136.  For order inquiry, pls call telephone number 03-7785 8137 on/before 31 December 2009. If cm do not have access to fax machine, ask cm to call JCMS for assistance.

The offer is limited to 1 unit per new card approved. JCMS will maintain a record of cardmembers who have purchased the LCD TV. 

No hidden charges. The offer is at RM1199 inclusive of FREE delivery and handling fee

The offer of RM105 X 12months installement plan (total RM1260) inclusive of installment processing fee and delivery handling fee.

Free delivery and handling fee for Peninsula Malaysia. East Malaysia delivery will be charged  an additional RM200 (Discount of RM600 is only valid to this Citibank programme)
LG15 Series
The LG LCD tv comes with a 2-years limited warranty from date of the LG LCD TV delivery.

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Do you ever think about how to deal with any credit card offer If you’re a person who carries a balance, credit card offer might be the least thing on your mind right now. Credit card offer, no matter how enticing and convenient it might seem, may be the most expensive loans made by banks, department stores, and gasoline companies for you.

Sometimes, no matter how hard you try not to give in to the temptation the credit card deals, material cravings can sometimes be more powerful than the will of the mind. No matter how hard you try to resist the convenience and leisure the credit cards offer, you cannot help but to indulge. And the moment the credit card issuer offers you a card you can hardly wait for t to be approved and to use it to pay for items and services you fancy.

To avoid going beyond your credit limit, by now, you should know when to resist and indulge into the convenience the credit cards offer. Knowing how much the service provider or the store merchant collects from what you owe to your card issuer, you shouldn’t allow yourself spend what you don’t think you cannot pay. Or, by now, you should learn how to pay off what you owe each month, as long as you pay a minimum amount each time because this is what you get from what the credit card offers: interest on the balance you owe at the end of each period if do not pay the full balance every time your bill arrives.

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