Tuesday, September 18, 2012

Best Debit Card or Secured Credit Card with Frequent Flier Mile Program

If you've got bad credit and you've lost your credit cards, you may find it difficult to get a debit card or secured credit card that offers a frequent flier mile program. However, all is not lost after I did some research. You can rebuild your credit with a secured Visa credit card with a powerful worldwide frequent flier mile bonus program by Korean Air SKYPASS.

It works similar to a debit card, but it's classified as a secure credit card, so rather than just having your account hit with a debit, it is simply billed to you based on the credit you've built back. The more often you use the card and pay on a timely basis, you'll be earning your way back to be a citizen. You are simply billed at the end of each month for new charges. The more you have on deposit, the more credit you'll have. Usage will also extend beyond what you have on deposit if you remain a good customer.

Advantages of Using Frequent Flier Miles Instead of Buying Retail Airfare:

If it's more convenient to fly out of a smaller airport near you rather than an extended drive to a larger airpost, then it's much easier and cheaper to do so with frequent flier miles. Typically, if you drive and park at a regional hub airport to get a better airfare rate, then you usually have the expense of driving there and paying a higher price to park your car in larger cites. So, the cost of driving there and the premium they put on parking offsets the discounted airfare, so you end up paying the difference anyway not to mention the inconvenience and added travel time of flying out of a major hub.

Usually, flying out of a smaller airport using frequent flier miles is more economical because they don't charge a premium for the commuter plane to a larger airport. When purchasing that additonal leg to your itinerary so you can fly from a local airport, it can add another third to your ticket price when simply buying the ticket at retail even if you're using a discount site like Priceline.

You have another advantage when paying your normal utility bills like electricity, cell phones and landlines because you get bonus miles when you pay your bills using your credit card. So, you're able to kill two birds with one stone. Since you have to pay for your regular bills anyway, why not rack up frequent flier miles to boot?

With the Korean Air Secured Credit Card, you not only access their flights, but you also can tap into their partner program to have access to using your bonus miles on a large network of other airlines around the world.

Korean Air SKYPASS Parter Worldwide Network:

Mileage accrual is available naturally via Korean Air operated flights as well as flights serviced by fellow SkyTeam carriers (Aeroflot, Aerolineas Argentinas, Aeromexico, Air Europa, Air France, Alitalia, China Airlines, China Eastern Airlines, China Southern Airlines, Czech Airlines, Delta Air Lines, Kenya Airways, KLM Royal Dutch Airlines, Middle East Airlines, Saudia Airlines, TAROM and Vietnam Airlines) and other affiliated carriers (Alaska Airlines, Emirates, Garuda Indonesia and Hawaiian Airlines).

SKYPASS Visa Secured cardmembers experience these essential benefits and features:
  • SKYPASS Bonus Miles after your first purchase1
  • 1 mile for every net $1 in purchases
  • Credit limit based on your deposit, from $300 to $5,000
  • 1,000 Bonus Miles at renewal2
  • $250,000 in Travel Accident Insurance3
Additional SKYPASS Visa benefits:
  • Redeem miles for reward travel and upgrades on Korean Air and SkyTeam partners4
  • SKYPASS Visa card purchases help you reach and maintain Morning Calm Club Membership5
  • EMV chip technology for added security abroad6
  • Visa payWave technology for contactless purchases7
  • Use your card at millions of locations worldwide
  • Cash access at more than one million ATMs
  • Bilingual automated 24-hour account access
  • Bilingual customer service available
  • No cap on miles you can earn
  • Auto Rental Collision Damage Waiver8
  • Online purchase security8
  • Earn SKYPASS miles even faster with Automatic Bill Payment
  • Get your monthly credit score – at no cost!
  • Lost and stolen card reporting
  • SKYPASS Visa miles can be combined with your SKYPASS flight miles
Apply today! Here's how:
  1. Complete an application.
  2. Print and sign the application.
  3. Write a check for $300 to $5,000 made payable to U.S. Bank National Association. The check MUST BE a certified check, money order, or cashier's check.
  4. Mail your application along with your check to: U.S. Bank National Association ND P.O. Box 6363 Fargo, ND 58125-6363
Is a Secured Credit Card for me?

Yes, if you haven't had the chance to establish credit9 in the United States yet.

It's Easy, Safe, and Practical:
  • It's easy. All you need to do is send us a cashier's check, a certified check, or a money order with your credit card application (from $300 to $5,000) to open a savings account. Then, once you're approved, we'll send you a credit card. Your credit line will be the same amount as your deposit. It looks and works just like any other credit card when you use it at a restaurant or store.
  • Your deposit is used to open a savings account which assures your credit card can be paid. The money in your savings account is there to "secure" your credit line. The money in your savings account is FDIC insured and won't be touched as long as you make all of your credit card payments on time and your account remains open. Plus, you will earn interest on the money in your savings account.
  • Your purchases are billed to you each month. Payments are not automatically deducted from your savings account. You are responsible for making at least your minimum payment by the due date each month.
I sincerely hope this tip on how to get airline frequent flier miles even when you've got bad credit makes a huge difference in you getting your mojo back. I think the Korean Air Secured Credit Card by Visa with frequent flier bonus miles is a great tip because paying retail prices on airlines tickets will surely take a bite out of your budget. Now you can fly in style even when many consider you a second class citizen.

I believe US Bank issues the Korean Air Secured Visa Credit Card with the SKYPASS frequent flier bonus points. Please contact me with other options on my contact page: http://www.EmpowerNetwork.com/glenwoodfin. I hope this proves to be a great travel tip for you during hard times.

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