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With all the many reward programs out there, this is perhaps the only card that doubles as a calling card. The AT&T Universal Platinum Card is issued by Citibank with the general purpose of being a credit card that comes with a lower APR, and also a calling card with probably not-so-low calling charges.

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As with all introductory APR promotions, this card also comes with an introductory 0% APR albeit for balance transfers done within the first 12 months, after which the APR will rise sharply to 11.4%, a relatively low figure as compared to many other credit cards.

Looking for a credit card Compare the top UK credit cards on uSwitch.com, the free and impartial comparison service and apply online.

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As for cash advances, the APR used is tied to the London Interbank Offer Rate (LIBOR) and with a minimum cap of 19.99%. Still, the AT&T Universal Card is still one of the best deals for card users who tend to leave balances unpaid for at the end of the month.

Unfortunately, credit card companies offering lower typical APRs (Annual Percentage Rate) tend to have stricter credit check systems and are more likely to reject your application. With the uSwitch.com credit card comparison service you can compare the credit cards available that will accept applications from people with poor credit check results (or credit ratings). This will save you the hassle of having your applications rejected, which can also show up as a bad sign in future credit checks.

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Additionally, there are no annual fees or application fees and successful applicants get $100 worth of free talk time, that is if you sign up for the plan. In addition to that, they are also entitled obtain two directory assistance calls for free each month.

Do you have bad credit Compare loans, credit cards and mortgages designed for people with a poor (adverse) credit rating...

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Some of the other perks offered by the AT&T Universal Card would be the rebates off your calls depending on your bill amount. This means that the higher your call charges, the higher the discount will be.

info@universalgear.com 1.800.204.1844 ( 30 pm EST Monday through Friday) 1.202.319.1158 Universal Gear Customer Service 1612 U Street, NW Suite 404 Washington, D.C. 20009 2. Shipping Information Due to the high rate of Internet credit card fraud, time customers to ship their initial order to the billing address of the credit card being used. After a successful delivery, subsequent orders may be shipped to an address that differs from the credit card's billing address.

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However, it is advisable not for card holders to use the AT&T Universal Card for calling services as there are others in the market which can provide lower charges for longer talk time. What's more, cell phones nowadays offer greater convenience and cost less for longer calls.

Bad credit ok is what most payday loan lenders say because they realize that some people get stuck in a credit card mess. Having bad credit ok does not mean that you will not pay back any loans or monies. Some car lots say bad credit ok, no credit ok, but the problem is that they do check out your credit with a credit check. Credit cards offer cash advances also but their fees are astronomical and you can be sure that this can give you bad credit in the future and this is not bad credit ok. Mypaydayloan accepts bad credit ok people and approved them with a secure bad credit ok payday loan online. Some credit card companies offer credit cards to people with bad credit, their phrase is “bad credit ok credit cards.” These credit card companies offer bad credit ok to anyone with a high price or interest rate.

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On the other hand however, this card provides insurance against mobile phone theft or losses, a feature previously offered only to platinum-status customers. Apart from that, customers also are entitled to auto rental insurance, travel accident insurance and services to protect against fraud. Just like other cards, there are also fees imposed for late payments, spending past the credit limit, cash advance transactions and balance transfer transactions.

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For more information or to apply for the AT&T Universal Card, Eric Wasselman recommends Find Credit Cards.

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