About Credit Card Activation

There are a lot of different kinds of credit cards and they can be narrowed down to many smaller categories. Obviously, understanding what is available is one of the first steps in picking the best card for you. It is also good to have a general knowledge of the different functions that different cards serve.

Standard Credit Card

One of the first types of card is called the standard card. Some people also refer to it as the “plain vanilla” credit card. These cards are extremely straight-forward, uncomplicated, and easy to understand. They don’t have any fancy additions or rewards attached. This type of card usually has a revolving balance, a minimum payment which must be payed, and a due date. Overall they are pretty much the first thing that comes to mind when you think of a basic credit card.

Rewards Credit Card

Rewards cards, in one sense, are the exact opposite of the ordinary “plain vanilla” credit cards. This is the type of card that offers frills. By using this type of card you will earn rewards, but that is pretty obvious. These rewards come in the form of cash-back, points, or travel. This is a nice card to have as you get payed back for using it. The biggest problem with rewards cards is that they are primarily available to those with exceptional credit scores. They may also encourage people to go into debt if they start thinking about the rewards and forget about the money they are spending.

Another common type of credit card is the charge card. Although this type of card doesn’t always have a preset spending limit one must, nevertheless, pay them in full at the end of each month. Consequently this also mean that they don’t always have a minimum payment or finance charge. This type of card is usually not flexible on late payments.

Student Credit Cards

College students even have a specific type of credit card geared to them. Student cards are made for young individuals who haven’t had the time yet to build up credit. If you have never had a credit card before your chances of getting a student card are much better than other types of credit cards. Some student cards even have rewards and low interest rates.

There are cards specifically for business owners, as well, called business credit cards. These cards make it easier for those managing the revenue and expenses of a business to keep these matters separate from personal costs.

There are also several different types of cards that people can use if they have poor or no credit, including secured credit cards and prepaid cards. A secured card requires you put a security deposit on the card and generally that deposit is equivalent to the line of credit. Prepaid cards work essentially the same way as debit cards. You must load money onto them before you can spend it, and that is all that is available to use.

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We do not provide customer service for credit cards. Contact your credit card company directly.

Credit Card Activation.ca

7-B Pleasant Blvd, Suite #982
Toronto, Ontario, Canada
M4T 1K2


Please do not contact us about credit card issues. Contact your credit card company directly.

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