Fees Abound With The Horizon Gold
On top of the nearly $300 a year in membership fees, the Horizon Gold card has a slew of other costs. The website lists them in a disclosure grid similar to a credit cards Schumer box.
According to complaints to the Better Business Bureau, customers who attempted to cancel their Horizon Gold account ran into difficulties getting fees refunded when they did so.
High Annual Fee For Some Cardholders
Like nearly all unsecured credit-building cards, the Milestone Gold Mastercard carries an annual fee. Depending on your credit history, youll pay between $35 and $75 in your first year just to hold the card . Whats worse, you wont know where in that range your annual fee falls before you apply.
While this is fairly pricey, especially given the cards limited perks, its on par with the rate youll find on many unsecured cards designed for people with poor credit.
Indeed, if youre lucky enough to qualify, the cards low-end annual fee is reasonable compared to many unsecured credit-building alternatives. For example, the Destiny Mastercard® charges an annual fee of $59 to $99, and the Reflex Mastercard® Credit Card charges an annual fee of $75 to $99, plus additional monthly fees after your first year.
On the other hand, a number of secured cards charge lower fees or no annual fee at all. For example, the OpenSky® Secured Visa® Credit Card guarantees all cardholders a $35 annual fee, with no credit check required. The Discover it® Secured Credit Card and the Capital One Platinum Secured Credit Card, meanwhile, charge no annual fee at all.
The tradeoff is that these cards require a security deposit. If thats something youd rather avoid, you could look at the Milestone Gold Mastercards annual fee as simply the short-term cost of building credit with an unsecured card.
Mastercard Gold Card Eligibility
You don’t need to be a member of the 1% to qualify for the Mastercard® Gold Card but you will need Excellent/Very Good credit when you submit your card application in order to gain credit approval. In addition, you’ll need a spare $995 , unless you want to start carrying a balance on your card after the very first month.
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Nordea Credit And Nordea Gold Mastercard Numbers Beginning With 5225 Or 5228
If you have a Nordea Credit or Nordea Gold Mastercard, you may receive a text message to your mobile phone, asking you to confirm a purchase made with your card. Text messages can also be used to block your card if fraudulent activity is suspected.
Reply to the text message by choosing between the options A and B given in the text message.
Nets Ltd will send the text message to the phone number in its customer register. If your phone number has changed, please call our customer service line for Nordea cards, tel +358 9 6964 6011, Mon Fri 8.0020.00.
The SMS service concerns Nordea Credit and Nordea Gold cards issued by Nordea Bank Abp and transactions made with their credit facilities.
Which Bookings Are Eligible To Earn Points
You usually wont earn Choice Privileges points unless you book directly with a brand. Specifically, the Choice Privileges rules and regulations state that you can only earn points on stays booked through:
- The toll-free express reservation line
- Your travel agent
- The Choice Hotels website or mobile app
- Directly with the hotel.
Most stays booked through these methods are eligible to earn Choice Privileges points. However, the following types of stays arent eligible:
- Rooms booked using an ineligible rate plan
- Rooms rates below $40 per night
- Certain hotel initiated promotions
- Points plus cash reservations
- Rooms paid for as part of a convention or meeting
- Rooms booked through a travel agent or third party online retailer including online travel agencies, wholesale packages, group tours
- Stays booked using the employee discount or the friends, family and associate discount.
Additionally, note that rooms booked through third party online retailers are not eligible for points or elite night credit.
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What Is The Visa Gold Card
The Visa Gold card is the outcome of a contract concluded between ING Luxembourg, Foyer Assurances S.A. and Europ Assistance
This partnership means that you not only have all the advantages of a Visa card, but also:
- the knowhow of insurers of recognised standing
- the resources of a major financial group
- assistance at a highly competitive price.
- a large standby credit facility
Must Pay With Gift Cards
HOW THE SCAM WORKS: A customer receives a threatening voice message from a scammer pretending to be from the U.S. Internal Revenue Service. To avoid being arrested for tax evasion, the victim is told that he or she can pay the fine with iTunes gift cards or other gift cards. In a similar example, a State Trooper calls to say that the victim failed to show up for jury duty and there is warrant out for his or her arrest. To avoid going to jail, bail can be be paid using MoneyPak as a bond until the case is cleared.
Once gift cards are purchased, the scammer will ask the victim to repeat the gift card numbers over the phoneat which time, the scammer drains the value of the gift cards. Victims who fall for the initial ploy are often told to go back to the store to buy additional gift cards.
1. Hang Up on Fake Callers No reputable company nor government agency will ever demand payment with gift cards. If someone claims to be from the IRS, hang up.
2. Balance Check in Private If someone asks to listen as you call to confirm the balance of a gift card, it is likely a scam.
3. Inspect Gift Card Packaging If the packaging looks tampered with or the PIN is revealed, turn the gift card into the cashier and pick a different card.
4. Check the Activation Receipt Be sure the gift card number listed on the activation receipt matches the gift card you receive. Alert the manager if its not a match.
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What Credit Scores Do I Need To Qualify For The Mastercard Gold Card
You should have excellent credit before applying for the Mastercard Gold Card.
In order to have excellent credit, your credit scores would need to be within the ranges of 800850 for FICO and 750850 for VantageScore.
But there are other factors credit card issuers take into account when deciding your creditworthiness. Barclays will look at things like your source of income, total annual income, and occupation making its decision. So if your scores are lower than those ranges, this additional information could lead to your approval.
However, that also means even if your scores are high enough, you might be denied.
Mastercard Gold Card Review
As a premium credit card, the Mastercard® Gold Card’s lackluster benefits dont justify its exorbitant annual fee.
Advertiser Disclosure: ValuePenguin is an advertising-supported comparison service which receives compensation from some of the financial providers whose offers appear on our site. This compensation from our advertising partners may impact how and where products appear on our site . To provide more complete comparisons, the site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products.
Editorial Note: The content of this article is based on the authors opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.
Jump to:Read full review
Some things in life aren’t meant to be a good deal they’re done for the panache. Coming with a $995 annual fee, the gold-plated Mastercard® Gold Card is one of those things.
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Insider Advice: Getting The Most Out Of Your Card
- Take advantage of the airfare credit: Use the full $200 airline fee credit every year to offset part of the annual fee .
- Check out the airport lounges: Use this card for Priority Pass airport lounge access for you and unlimited guests. Enrollment is automatic after being approved.
- Utilize the travel benefits: Make the most of the VIP Hotel & Travel Benefits while staying with any participating hotels to help offset the annual fee by getting hundreds or thousands of dollars in credits and discounts.
- Get through security lines faster: If you dont already have Global Entry and plan to apply, pay the application fee with this card to help offset the annual fee. Global Entry can include TSA PreCheck, too, if you choose to sign up.
- Unwind on a private golf course: Use your Mastercard Priceless Golf benefit and bring along one other person to get access to private golf courses, where youll be treated like a member.
- Pay with the card that offers the best rewards: For purchases, only use this card when you wont earn 2% cash back value or more with another card .
- Limit your high annual fee cards: You probably dont need more than one high annual fee travel card in your wallet, whether its this card or one of its top competitors, because they have similar benefits.
Transfer Points From Other Programs
You can also stock up on Choice Privileges points by transferring rewards from other programs. For example, you can transfer American Express Membership Rewards points to Choice Privileges points in increments of 1,000 points. Membership Rewards points transfer to Choice points at a 1:1 ratio and the transfer usually occurs instantly.
Another option is to convert Amtrak Guest Rewards into Choice Privileges points. Youll get 15,000 Choice Privilege points for every 5,000 Amtrak points transferred.
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Choice Privileges Visa Signature Card
Earn 32,000 bonus points after spending $1,000 on purchases in the first 90 days, enough to redeem for up to 4 free nights.
|Rewards Earning Rate||Earn 15 points per $1 spent at eligible Choice Hotels. Earn 2 points per $1 spent on all other purchases. Earn 5 points per $1 on eligible Choice Hotels gift cards.|
|INTRO BALANCE TRANSFER APR||0% for 15 Billing Cycles|
|Balance Transfer Fee||Either $5 or 3% of the amount of each transfer, whichever is greater.|
|Foreign transaction fee|
The Choice Privileges Visa Signature Credit Card is not one of our top rated rewards credit cards. You can review our list of the best rewards credit cards for what we think are better options.
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Is The Mastercard Gold Card Worth It
In our opinion, if you’re looking for a credit card to use for day-to-day spending, the Mastercard® Gold Card isnt worth it. Its rewards rates for non-travel purchases are low, and we don’t believe the card’s benefits outweigh the ridiculously high annual fee. Other premium credit cards have more to offer at significantly lower prices.
However, if youre a frequent traveler who is looking for a swanky card with luxury travel benefits, this card could be a decent choice for you. If you plan to take advantage of the travel perks, credits, discounts and lounges, and value an extravagant gold-plated credit card, you may find that the Mastercard® Gold Card could certainly be worth it.
Low Starting Credit Limit
Along with hefty fees, one of the main downsides of unsecured credit-building cards is that they tend to offer lower credit limits.
The Milestone Gold Mastercard is no exception. The card carries a standard starting credit limit of $300, and your annual fee is immediately deducted from your available credit. This means that if you are assigned the high-end annual fee of $75 in your first year, you will start off with a $75 balance and around $225 in available credit.
While this limit is relatively common for unsecured credit-building cards, it could be a stumbling block for many users. Thats because a low credit limit makes it difficult to maintain a low .
Your credit utilization ratio makes up 30% of your credit score, and many financial experts recommend keeping your credit utilization below 30% if you want to improve your credit score. With only a $300 credit limit, it wont take much to reach a high credit utilization ratio if you use your card for everyday purchases.
Plus, the Milestone Gold Mastercard does not offer any standard timeline for getting a . A number of other credit-building cards automatically review your account for a higher credit limit after a few months of on-time payments.
Full Review Of Choice Privileges Visa Signature Card
Generous bonus offer worth up to four award nights
No annual fee
Anniversary bonus worth one award night
Earn 15 points per $1 on Choice Hotels stays
0% APR for 15 months for balance transfers made within 45 days of account opening
Points expire after 18 months of inactivity
No 0% APR offer on purchases
Choice Privileges Visa Signature Card Review
We recommend the best products through an independent review process, and advertisers do not influence our picks. We may receive compensation if you visit partners we recommend. Read our advertiser disclosure for more info.
The Choice Privileges Visa Signature card offers a 0% APR balance transfer introductory rate for 15 months made within the first 45 days of account opening, as well as extra rewards and perks for those staying at Choice hotels. There is no annual fee, and cardholders can earn bonus anniversary points each year.
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Is Inceptial Legit
As we already noted Inceptial is a broker registered in Belarus, so technically they are legit. As the local rules governing the forex industry barely match the regulatory framework in Europe and the UK however, here we would rather suggest our list of trusted, UK regulated brokers instead.
Inceptial is owned and operated by Growth Capital LLC a Belarusian company registered with the National Bank of Belarus. You may check the registration on the screenshot below:
The retail forex market in Belarus was regulated about five years ago and now all brokers in the country are required to register with the National Bank of the Republic. So far so good except that the local requirements for a company to register as a forex broker, in no way match the ones adopted by the European regulators or let say the Australian Securities and Investments Commission or the Financial Conduct Authority in the UK.
For example Belarusian brokers are not required to keep their clients funds in a segregated from their own, trust account, and the minimum operational capital requirement of slightly below 100 000 USD is roughly eight times less than the amount required by the regulatory authorities in Europe and the UK 730 000 EUR.
Otherwise, Inceptial also says that their company- Growth Capital LLC is in some way associated with Mount Nico Corp Ltd, which on its part is a Cypriot based company, licensed and authorized by the Cyprus Securities and Exchange Commission .
How Does A Gold
Gold-backed debit cards function like normal debit cards. When you use a gold-backed card, your bank converts the purchase from fiat currency to gold and silver, and then withdraws that amount from your precious metals storage account. Most banks with gold-backed debit cards require you to purchase the precious metals from them in order to minimize transportation costs.
With GolVerCard, you can use your own gold and silver bullion to fund the gold-backed debit card. Many institutions that issue gold-backed debit cards store the gold in Switzerland, though Euro Pacific and GolVerCard use secured storage in other areas.
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How To Use The Milestone Gold Mastercard
Before submitting an application for this card, use the prequalification feature to see whether you qualify for an account and which of the three annual fee structures youre eligible for. This can help you determine whether the Milestone Gold Mastercard may be a good choice for you without the hard inquiry hit to your credit score.
If you decide to open a Milestone Gold Mastercard, your goal should be improving your credit so you can more easily qualify for a card with better terms and features in the future. The issuer reports your payments to each of the three credit bureaus monthly, so make sure you spend only what you can afford to pay off each month and pay on time so only positive payments show up on your .
Legit As In Working As Intended
If your definition of legit is that the keys you purchase for a cheap price on CDkeys.com will actually work as intended, then my answer to you is quick and simple it is indeed legit.
No other third-party key reseller has a reputation such as CDkeys.com, and the keys you will find on their website will almost always work without problems. Therefore, in terms of working as intended, CDkeys definitely is a legit, reliable and trustworthy platform. A quick look through the CDkeys reviews found online proves this point. They have a high rate of customer satisfaction and their online reputation is stellar.
My personal experiences reflect the same as these online CDkey reviews. I have had no trouble whatsoever with revoked or expired keys. For me, the whole CDkeys platform has always been a legit and reliable way of getting game keys at a discounted price.
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