• No fees of any kind. No annual fee, no late fees, no over-limit fees, no balance transfer fees, no cash advance fees.
• Automatic Rewards. You'll get an American Express branded shopping card worth $25 delivered straight to your door every time you spend $2,500.
• Flexible Payment Terms. You can pay in full, or carry a balance. The choice is yours.
• Flexibility to pay over time
• No annual fee and 0% intro APR for up to 12 months.
• World class Cardmember benefits including Purchase Protection Plan, Buyers Assurance Plan, and Return Protection.

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The most widely used credit scores are FICO scores. Lenders use FICO scores to make credit decision on a daily basis. Whether it is a credit card application or a home mortgage loan application, your credit score is how lenders see you. Your credit score can make or break your financial dreams. A poor credit score could cost you lot more money in interest and finance charges and can put you at a huge disadvantage in consumer credit market.

Our goal is to make you an educated and smart consumer who is very comfortable with the intricate details of credit business and makes best use of this knowledge by getting best rates and deals.

Read Credit Score Guide