Smart Chip Credit Card Offers
What is a SmartCard chip equipped credit card? A smart chip equipped credit card is the latest in credit card technology. A small 32K microprocessor chip is embedded into the smart credit card giving it much greater capability than just the magnetic strip. This additional memory provides features that give security, convenience, control and value to cardholders. The smart chip will simplify online shopping, it can digitally encrypt every transaction for enhanced security. When you use a "regular" credit card, you have to give out your card number every time you place an order online. With a smart chip equipped card, however, each and every transaction is done by transferring a unique code from your smart chip equipped credit card to the merchant. That unique code contains your card information in an encrypted form. One such code is only good for one purchase. So even if someone somehow intercepted the communications between you and the merchant, they cannot re-use this code to make fraudulent purchases. Smart chip assisted shopping is only available at merchants who accept this payment form. Hopefully, more and more merchants will accept this form of smart and secure payment method in the future. To be able to make transactions using your smart credit card online "the smart way", you must have a smart card reader attached to your computer. A smart card reader is a small, inexpensive device.
Smart credit cards will also permit cardholders to send, receive and store all types of information using these small but very powerful smart card chips.
Soon, with a smart credit card you'll be able to store cash in your account enabling you to use the smart card at previously cash only merchants (e.g.: vending machines, laundromats, newsstands, etc.)
We highly recommend you to apply for one of the following smart chip equipped credit cards listed on this web page.
Earn up to 5% cash back on everyday purchases - even gas!
APR for Balance Transfers: As low as Prime + 11.99% (Currently 15.24%)
Ongoing APR: 17.24%-21.24% Variable
Intro APR for Purchases: 0.00% (for 6 Months)
Balance Transfer Fee: 3% (minimum $5)
Late Fee: $19-$39
Overlimit Fee: $35.00
Returned Check Fee: $38.00
Grace Period: 25 Days
Credit Line: Up to $100,000
Annual Fee: None
The Smart Card Chip Reader
The Smart Card Reader uniquely identifies you as the Card member by connecting to your PC's serial or Universal Serial BUS (USB) port, depending on which Reader you choose. The same Reader will also be able to load new applications to the Smart Chip as technology is developed in the near future.
Readers currently allow you to take advantage of a higher level of security when shopping on the Internet and using Smart Chip you can protect your Card information when shopping online by using a secure, temporary transaction number instead of your actual Card account number. If you choose to have a Smart Card Reader installed on your PC, you can "lock" access to Private Payments, so only you can use it to shop online from your PC. The Smart Chips hold a unique certificate of authenticity that is read by your Smart Card Reader. This certificate identifies you to Private Payments and helps ensure that you and you alone have access on your PC.
By using a computer attached SmartCard reader you'll be able to do the following activities, all securely
- Have single-click access to your account information 24 hours a day, 7 days a week.
- Request balance transfers, track purchases, manage your account online at your convenience.
- Make "micro-payments" online (eg: able to pay $0.50 to download a song legally, etc.)