Archive for February, 2021

postheadericon Things to remember while enrolling in credit card rewards programs

Credit cards contain virtual currency that can be used for purchasing goods and other payments. Credit cards along with many other payment mediums such as mobile wallets offer rewards programs to encourage spending in customers. Reward programs offer any type of rewards to their customers such as discounts, reward points, travel miles, insurance, etc. The reward points are collected by the customers on every purchase or payment that can be redeemed by the customers for other purchases. There are many types of credit cards and reward programs offered by them, if you want to know more about credit cards, check out Amex rose gold card review by American Express.

There are several things that you must remember while enrolling in credit card reward programs.

Annual fees

Annual fees are like membership premiums, it can range from 0$ in the initial years to several thousand dollars in the later years depending upon the card.

Bonus Point eligibility

When it comes to credit card reward programs, one of the most significant reasons behind the ownership of one such card is the welcome bonus or the bonus points associated with purchases and payments in the initials months or years. It will not be wise to think that the bonus point will be offered on every type of purchase. Big bonus points will only be offered on big purchases such as appliances. Small purchases will have smaller reward points. In short, big bonus points will only be offered to you if you cross the spending threshold.

Interest rates

Interest rates are high on credit cards. Even though the introductory low-interest rates are available for new credit card users, interest rates for other purposes such as taking out cash from it and repaying off the outstanding dues are higher in comparison. If you opt for taking cash out of the cards, you will have to pay extra charges on it and apart from that, the interest rate on the amount would be higher. Therefore, read and be thoroughly informed about interest rates on different activities with credit cards.

Missed and Delayed payments

There are times when one can miss payments or delay repayment, in such situations, these instances get reported in your credit score. Some disruptions might not all be that dramatic, but if it becomes a continued trend then it will affect your credit score. Credit scores are scores that you earn on every successful repayment. If you want a good credit score you have to keep up with time to time repayment as credit score affects your future loans. Good credit scores will make you eligible for better deals on loans and lower interest rates.

Foreign transaction fee

If you are traveling abroad and decide to pay through your credit cards, make sure you pay from cards that do not charge foreign transaction fees or cards that have lower transaction fees. The foreign transaction fees vary from card to card.

Interest rates, annual rates, credit score, foreign transaction fees, and bonus point requirements are some of the things that you should remember while enrolling for credit card reward programs. 

postheadericon Which metals are best for signages?

It’s not about the metal but the mettle of the message and design that makes the best signs. Signs endure some of the harshest weather conditions continuously for 24 hours a day, from the moment they are put on till the day they are taken down. Be it rain, sun, or wind a sign has got to do its job and stay put without losing any of the content it has on it. Signs can be a good way for people to locate places and businesses during extreme weather conditions if there is no one to ask about or the services are down. Any company that’s good at signage keeps this in mind and uses the right materials in the manufacturing process that can withstand the harshest weather phenomenon.

So, what are the metals that are used to make signs?

Aluminum.

The most common choice for a sign is Aluminum because of reasons aplenty. Aluminum makes most of the heavy-duty outdoor signs, keep in mind steel/stainless steel has a higher tensile strength than aluminum and higher structural integrity but what it lacks in strength it makes up for in price. It is the most abundant, hence affordable of all metal found on the planet, and comparing to other metals is very easy to shape or mold. Another reason that makes it the top choice is the frequency of up keeping, which in this case is the least compared to others raising the demand even higher.

Brass.

The gold-like luster of brass is what attracts many and maybe the reason this fits the requirement for particular signage. This is an alloy that is strong, malleable, and can be produced to give out a certain hue depending on the percentage of the alloy mix. Brass is a mainstream decision for decorative pieces because of the wide assortment of shadings that can be created. Over time it forms a patina that has to be taken care of if it is not desired.

Stainless steel.

An alloy of various metals is a metal that has anti-corrosion properties, some of the highest tensile and structural strength, sturdy,and is one of the most durable metals on the planet. It is made using various metals some of which are recycled metal making it eco-friendly. The metal has a very reflective mirror-like surface due to the chrome in the alloy mix, which can stand the test of time, making it another popular choice with signage companies that are famous for used scrap metals signages.

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