Become an EBAY Powerseller

 

How to Become an eBay Powerseller

Four Methods:Win and Understand PowerSeller StatusDevelop Good PracticesCreate Professional ListingsTake it Further

With over 180 million members eBay is one of the most visible and far-reaching Internet companies and the leading auction site in the world. Among eBay sellers a designation of PowerSeller is given to approximately 4%. Becoming a PowerSeller is a question of following eBay's guidelines for PowerSellers, and the same is true for keeping your PowerSeller status. PowerSellers get many advantages and discounts from eBay, access to special areas and more, so becoming and staying a PowerSeller is considered important by many people. There is far more to being a good PowerSeller than the eBay rules. In this article we will show you some of the tricks we have found to become an accomplished PowerSeller.

Steps

Method 1 of 4: Win and Understand PowerSeller Status

1. 1
   Learn eBay's policies for PowerSeller status. Policies are always subject to change, but PowerSeller rules have been fairly stable for a few years. To become a PowerSeller you must:
   • Be an active member for 90 days.
   • Average a minimum of $1000 in sales per month, for three consecutive months.
   • Maintain a minimum of 4 average monthly listings for three consecutive months.
   • Have an overall feedback rating of 100, of which 98% or more is positive.
   • Have an account in good financial standing.
   • Uphold the eBay community values, including honesty, timeliness and mutual respect
   • Comply with all eBay listing and marketplace policies.
    
2. 2
   Understand PowerSeller Tiers. There are several tiers of PowerSeller, and your benefits vary depending on your tier. The tier you fall in is determined by consistent sales volume over a period of months. There are 6 PowerSeller Tiers:
   • Bronze PowerSellers have a minimum of $1000 in sales per a month. Bronze tier benefits include prioritized online support from eBay.
   • Silver PowerSellers must have a minimum of $3000 of business a month. Silver PowerSellers get both prioritized online support and toll free phone support.
   • Gold PowerSellers are required to do $10,000 of volume a month. These PowerSellers get all the benefits of the first two tiers plus free access to eBay's Account Manager Software.
   • Platinum PowerSellers get all the benefits of the gold tier but must do $25,000 of business monthly.
   • Titanium PowerSellers must do $150,000 or more of business a month.
   • Diamond PowerSellers have to do a minimum of $500,000 in sales or sell at least 50,000 items per month. This is the highest PowerSeller level!

Method 2 of 4: Develop Good Practices

1. 1
   Put the customer first. PowerSellers always have the customer at the forefront of their operation. Understand that your seller reputation on eBay's is primarily determined by your feedback score, therefore treating your customers right is not only common sense but good business too.
   • In a conflict with a customer always use the eBay email system to communicate with them in order to establish a written record.
   • Always keep your cool and be professional.
   • If the customer is wrong consider the money involved in keeping a customer against the money involved in proving you are right. Consider offers for dissatisfied customers, even if they are wrong:
     • Give them free shipping, or refund their shipping.
     • Include a free gift in the package.
   • Develop a listing that answers all questions about your sale, including your return, shipping and other customer service policies. Stick with it!
   • Be consistent with all customers when it comes to your own policies.
2. 2
   Maintain active communication with your customers. Customers are less likely to be unhappy, file complaints or make your life miserable if you communicate with them.
   • Always send the customer a tracking number for their package.
   • Always include a packing slip with the auction number in the package.
   • Respond to any questions promptly.
3. 3
   Choose a focus. A PowerSeller is usually focused on a single article or type of product. Doing so makes all other aspects of running the business easier, including listing, packing and shipping.
4. 4
   Plan to be organized. PowerSellers deal with such a large volume of business they need to develop a "back-end" organization (also known as a workflow) that minimizes the time they spend keeping up with their own policies regarding on-time shipping, packing, returns and similar activities. You may think of this preparation as creating an "assembly line". For example, you may set up a large 4' by 8' table with bubble wrap and packing materials at one end, products in the middle, and boxes, labels and packing tape at the far end.
   • Buy and keep a selection of shipping boxes and shipping materials in your home.
   • Consider setting aside an area of your home just to run your business.
   • Create online shipping accounts with USPS, UPS or your favorite shipper so you can print shipping labels at home.
   • If you do a lot of shipping consider signing up for a pickup service, rather than lugging it all to the mailer yourself.
5. 5
   Establish an accurate accounting procedure.
   • Keep a paper copy of every auction, the winner, and the shipping receipts.
   • Keep a record of all your customers, their names and addresses.
   • Establish a regular schedule for balancing your books, perhaps monthly.
6. 6
   Stay up-to-date on auction trends and changes.
   • Buy good, recent books on online auctions and e-commerce in general.
   • Participate or read the eBay Message Boards and Forums.
   • Stay tuned to the eBay Announcements Board.
   • Subscribe to newsletters and groups concerning PowerSellers.
   • Scan the news for PowerSeller and eBay announcements and changes.

Method 3 of 4: Create Professional Listings

1. 1
   Create professional photographs. Learn to take good product photographs, or use a scanner well if your item is flat. Be sure to include enough detail in your photographs to show all flaws in an item.
   • Learn how to take a basic quality photograph. Make sure it is in focus!
   • Consider creating a mini studio including photographic lighting.
   • Learn how to color correct photographs taken in interior or other lights.
   • Use a mixture of close ups and wide shots to give your customers a good feel for the item.
   • Remember that your photographs are part of your listing and will be considered in any disputed transaction. Photographs must be as 'true' as your listing text.
   • You pay no more for larger photographs than smaller ones, so make your photographs as large as possible for the eBay system.
   • Consider paying extra for oversize photographs and other eBay photographic features.
   • Only use a scanner for flat items.
2. 2
   Consider adding voice and video to your listings
   • Pictures are a must, but adding more engaging visuals is even better.
   • You can develop trust and rapport with a simple webcam -- just keep it personal and real.
   • Highlight what YOU want the prospective buyer to see. Share details about the product that would otherwise go unnoticed in a flat photograph.
3. 3
   Schedule listing for peaks periods. For ten cents you can schedule any start time for your auctions. Peak buying periods are generally considered to be, Saturday, Friday and Sunday evenings between 6 and 8 pm eastern standard time. That said, the peak periods for your particular customers may vary.
4. 4
   Write professional headlines. A PowerSeller resists the temptation to use "fluff" words like "L@@K", "WOW" and "MUST SEE" as these provide no information for your customer about your item, do not show up in searches, and are generally ignored by most buyers. Instead, the wise PowerSeller uses descriptive words in the headline, realizing that the headline is the "ad for the ad". A PowerSeller is also "search engine savvy", realizing that keywords in the headline are picked up by the eBay search engine, and by Google, more often than not.
5. 5
   Write detailed item descriptions. A PowerSeller has achieved their level by maintaining a high ratio of positive feedback. This is primarily accomplished by having clear and accurate descriptions of the items so that the bidder can clearly "imagine" the item as if it were sitting in front of her along with describing the flaws in the item. A great description should entice the bidder to bid while at the same time providing full and complete disclosure of the item's condition. Always be scrupulously honest in your descriptions.
6. 6
   Make it easy for winners to pay you!By offering a variety of payment options, PowerSellers make it easy for winning bidders to pay for their items. They offer to accept Checks, Money Orders, all types of credit and debit cards through PayPal, Billpoint, or their own Merchant Accounts. By offering a wide variety of payment options, they open up their market of available bidders and end up with higher ending bids as a result.
7. 7
   Accept International Bids. By accepting bids from around the world you dramatically increase the number of customers you can attract and probably increase the end price of your item. On the down side shipping to many other countries is often difficult and awkward.
8. 8
   Offer discounts on multiple items. Whether it is a discount on shipping multiple items or a discount on the actual price of multiple items, PowerSellers realize the value of a good customer and treat that customer special. Unexpected discounts tell the customer "You're special" and build a reciprocity that keeps customers coming back or searching the PowerSellers' auctions.

Method 4 of 4: Take it Further

1. 1
   Advertise.
   • Complete your "About me" page and any other tools eBay offers for advertising.
   • Explore the use of "coop" money.
   • Include a link to your current auctions in your email signature.
   • Include a link to all your other auctions on all your listings.
2. 2
   Use the PowerSeller tools on eBay All PowerSellers get benefit and tools from eBay to help maximize their profits. Learn to use these tools. The welcome kit varies for different tiers of PowerSeller but includes:
   • A welcome kit featuring an official certificate of achievement from Meg Whitman [[1]] and essential advanced selling tips available in electronic format (.pdf) on the PowerSeller portal.
   • Personalized sales and Feedback information on program portal pages.
   • PowerSeller icon next to user ID.
   • Use of PowerSeller logo in your item listings and on your About Me pages.
   • Unique PowerSeller logo merchandise to wear and use or give to customers.
   • PowerSeller logo letterhead and business card templates for customer communications.
   • Exclusive PowerSeller-only discussion board
   • Monthly PowerUp! email newsletter featuring the latest program information, special promotions, and advanced selling education
   • Quarterly printed PowerUp! newsletter in the mail
3. 3
   Consider hiring an assistant. PowerSellers delegate because they have to! Your volume may require you hire an assistant to do some of the more repetitive tasks that don't require the your expertise attention.
4. 4
   Consider a "dutch auction" In a Dutch auction a seller can place a large number of the same item up for sale individually. Bidders can bid on one or more of the item, but the highest bidders will be first in line for the products they bid on.
   • A PowerSeller uses Dutch auctions often because it is a huge time-saver. This is a true "assembly line" auction from start to finish.
   • Packing and shipping goes a lot faster when the same item is being packed and shipped over and over again.
   • In the same period of time that it takes to list one item, you are listing dozens, or even hundreds of items!
5. 5
   Bulk list your auctions Use bulk listing software or auction management services to list many auctions at the same time. There are various options in this area, from eBay's own "Mister Lister" to Blackthorne software to Andale, and Auction Watch auction management services.
6. 6
   Develop your own Web site. On the Internet, business conditions can change literally from quarter to quarter! Because of the transient and high-speed nature of change in Internet business, a PowerSeller realizes the value of having their own storefront on the Web. Most have either built a website themselves or have had someone build a site for them. They have developed a following and a customer base through their eBay auctions that can help sustain them even if dramatic changes come about on their main selling venue. As eBay continues to evolve and change - applying restrictive and invasive policies - this will become more of a priority for all eBay sellers, not just PowerSellers. Having your own Web site is also an excellent marketing tactic for PowerSellers.
7. 7
   Create an actual business. You may be legally required or may prefer to create an actual small business if you are running the typical PowerSeller operation. Having your own business has advantages and disadvantages. For example, you may qualify for special bank loans for capital investments or you may get certain tax privileges. The disadvantages include extra record keeping and all the work involved in creating and maintaining a small business. The eBay PowerSeller program includes some benefits designed especially for small business owners including:
   • Health insurance solutions for PowerSellers and their employees
   • Special invitations to participate in eBay events
   • Additional special values from eBay service providers
8. 8
   Invest in your business. Whether it means investing in a high-speed cable modem or DSL connection, high-quality computer components, digital cameras and lights, monitors, keyboards, or anything else investing in the tools that make running a PowerSeller program easier is always a good idea, so long as your business will scale to support such capital expenditures.
   • Use a tool to automate shipping. ShipRush [2] is a good tool for this.
     

Tips

• Don't be caught off-guard with a new change or policy that might affect your business and profits.
• PowerSeller status is free, you do not pay extra for the title and often get deals and discounts not available to regular sellers.
• Invest in a heavy duty and quality shipping scale.
• Look for good deals on your business materials too, like boxes and packing materials.
• Be constantly on the lookout for good deals. The PowerSeller is the consummate "deal-maker". Whether it's at an antique store or at a swap meet, the PowerSeller is always thinking about things they can re-sell. In addition check out the bulk item listing on eBay itself for good deals for PowerSellers.
• eBay automatically sends invitations to eligible members each month. You do not have to, and cannot, apply for PowerSeller status.

Warnings

• If you fall out of PowerSeller status your title and privileges will be automatically removed, but once you qualify again they will be reinstated. For example, in one month you may have a lower sales volume than usual and loose your status. The next month it will come back, once your sales volume is up again.
• Winning and maintaining PowerSeller status is not for everybody. It involves a lot of work — much like running any retail business — so consider how valuable you think the title is before deciding on this route.

 

 

 

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How To Go Viral On YouTube

As an entrepreneur, one of the most sought after marketing anomalies is the creation of the viral video.
With over 4 billion views on YouTube each day, the opportunity for exposure is tremendous.  But don’t be fooled. Just because your video is on Youtube and YOU think it’s great doesn’t mean it’ll capture the kind of attention you are hoping for.
So what does it take to achieve the coveted status of viral video?  Is this a phenomenon of chance, or can it be intentionally engineered?
One creative California agency believes they’ve not only cracked the viral code, but can also inject a message within the entertainment.
Introducing Mekanism
I recently had the pleasure of meeting Brendan Gahan, Director of Social Media for Mekanism, an award winning creative agency.
Mekanism has created viral campaigns for clients such as Pepsi, Virgin Mobile, Axe and 20^th Century Fox.
Most recently added to their collection of viral hits is the creation of Hovercat which launched on June 9^th, 2012 to promote animal adoption through the American Society for the Prevention of Cruelty to Animals (ASPCA).

In just 64 second Mekanism has captured attention, delivered a message and proclaimed that this video will go viral.
That’s a pretty bold statement – but they delivered.

Not Your Average Viral Video

Although George is a trained cat, Dan Harris is not your average viral video star.  The ABC News Anchor doesn’t say a single word in the entire video, nor does he do anything embarrassing or perform any talents during the production.
It’s all about the cat and the ultimate message of adoption.
This is a far cry from the pioneering viral videos of Star Wars Kid or Charlie Bit Me, which were accidental successes and carried no agenda other than providing entertainment.
Since its launch on YouTube, Hovercat has conjured up over a Million views and has demonstrated its appeal reaches beyond animal lovers, being featured on Ryan Seacrest’s blog, Mashable, USA Today and The Los Angeles Times.
I figure if anyone has an insightful word on what it takes to go viral – it’s Mekanism.

The Candy With The Medicine 
In order to generate massive views, Mekanism uses something they call “Candy with the Medicine,” a philosophy that recognizes a message is best received within entertainment.
Therefore, the first item on the agenda is to ENTERTAIN – that’s the “candy.”
The second step is to inject the MESSAGE – that’s the “medicine.”
David Horowitz, Mekanism Creative Director explains how this was executed.

The challenge was making something that promoted the ASPCA and made people smile. Ultimately, pets are fun. Look on YouTube and you’ll see thousands of animal videos with huge view counts for that very reason – pets do funny things, and people like watching pets do funny things. We wanted to use that truth as the selling point. But unlike a video a kid makes at home, we couldn’t just find a cat and wait for it to fall into a box or jump on a ceiling fan. If we wanted to have our own cat viral hit, we needed to create something that would have a hook – a concept that could be described in the title itself. Thus, Hovercat was born.”

Post and Pray?
Once the direction of the content is chosen it’s important to follow it up by creating a strategic plan.  This mindset places the creation of a video in the context of an overall marketing plan rather than viewing the video as the plan itself.
The last thing anyone should do is ‘Post and Pray’ says Brendan.  This is typically how inexperienced (and even some experienced) marketing departments approach video marketing.
Brendan stresses that a majority of the focus needs to be spent on the planning of the campaign launch, which is how maximum impact is achieved.
How to Achieve Viral Video Success

The method through which Mekanism approaches each project is a results based equation of ‘People + Platform x Snowball Effect’ = Results.

This demonstrates their understanding that going viral is not a one-man show; it takes the right people, the right platform and an on going plan to achieve viral results.

That’s right.  Viral CAN be created, but it takes some serious planning.

Part #1 – THE PEOPLE
For the creation of Hovercat, Mekanism began reaching out to relevant online influencers about a month in advance.
One of the most important decisions they made early on was to identify an ‘influencer’ as someone who was first and foremost an animal lover, not just a blogger with a large audience.
Making this decision early on guaranteed a stronger commitment to the project since it would be something the influencer personally loved, rather than being just another project they were working on.
This is one of the best lessons we can learn about strategic partnerships.  Just because someone has a large audience, doesn’t automatically make them an ideal partner.
Mekanism was also transparent about the overall mission (adoption) and they accomplished this by sharing the entire overview of the campaign with influencer’s weeks before the launch.
This allowed everyone to be educated about the campaign so they could properly frame it for their respective audiences.
Part #2 – THE PLATFORM
When it comes to YouTube marketing there needs to be more of a strategy then simply saying “Let’s create a YouTube video.”

There are 10 categories within YouTube and the top videos from each of these categories will be featured on the home page and browse page of YouTube.
This means it pays to be among your categories ‘most viewed.’
With that in mind, Mekanism decided that Sunday June 9^th was the ideal date to launch Hovercat.  They also chose to upload the video under the ‘pets and animals’ category in order to capitalize on the fact that only 150k views would be needed to make the leader board as opposed to the 1-million views needed to make the comedy or entertainment leader board.
This is a great example of leveraging a platform.  Had they posted in another category the video might have not gone viral.
Part #3 – SNOWBALL EFFECT
Newton’s first law of motion states, “An object at rest stays at rest and an object in motion stays in motion”
I wish I could say the same is true for video marketing.
Just because a video begins to gain momentum doesn’t mean it will stay in motion.  In fact, the exact opposite is true – videos quickly lose momentum.
This is where the ‘Snowball effect’ comes in.

By coordinating with influencers and having a number of popular sites feature the video on their homepage, Hovercat made it to the ‘most viewed’ page as the #4 video within the ‘pets and animals’ category.
This placement, combined with further influencer support, propelled Hovercat to the #1 position as the most viewed ‘pets and animals’ video.
Hovercat was beginning to go viral…


Success Begets Success
This exposure quickly led to organic pick up by blogs that scour the web for the latest viral content (the daily what, viral viral video and laughing squid).
For most people, this might have been the point in the story where they stop their efforts and congratulate themselves, but not Mekanism.
In order to keep things rolling they continued to promote through influencers and even followed up with a live stream event at the ASPCA headquarters in New York where audience members could ask questions and gain further information and stories.
This serves as a great example that a plan does not end once success happens – a plan is needed to further propel success.
What was the outcome when all was said and done
-  Over 1 million viral video views
-  Hundreds of blogs posting/reviewing/discussing
-  Over 8,000 tweets about the campaign and the ASPCA
Viral Video Recap

Here’s a quick recap of what we can learn from Hovercat.
#1:  Candy with the Medicine:

• Nothing happens until attention is captured
• Deliver a message with entertainment.
#2:  Don’t ‘Post & Pray’:

• Making a video is not a strategy.
• A video is just one part of an overall strategy and objective.
• Identify influencers who will LOVE your message, not just people with a large audience
• Choose your category wisely
#3:  Snowball Effect:
• Once things get rolling – keep them rolling!
• Create a post launch plan

10 Ways Entrepreneurs To Build Brands Online

Everybody needs to get their name out there on the social web. For entrepreneurs, however, it’s an even more critical aspect of the job. A social presence gives you the credibility to attract clients, partners and investors by making yourself available and demonstrating your personality and experience.
Building your online brand in a meaningful way is no easy task, and there are many tools available to get you on the right path. Below, we've picked 10 tested methods and highlighted some of the best web tools to help your brand gain momentum in a crowded online marketplace.

1. Media Requests

Being quoted in news articles is an excellent way to demonstrate your authority. It’s a free way to promote yourself and demonstrate thought leadership. There are a few excellent tools out there that connect reporters with people looking to get quoted.

• HARO is an email digest that connects reporters and sources.
• NewsBasis allows you to pitch stories to journalists.
• FlackList is a Rolodex to help the media meet and maintain relationships with experts.
• Media Kitty is a network that connects journalists with sources.

2. Custom Short URL

Having your own custom URL shortener is a great way to get your name out there. If you often share links on Twitter, Facebook and other social networks, it’s very useful. Eric Ries is a prime example. When he distributes a link, he uses his own shortened URL: ericri.es.
Here’s an informative tutorial on how to set up your own shortened URL.

3. Q&A

Sharing your knowledge on Q&A sites is a superb way to build credibility around your name. There are quite a few sites to choose from, so start with the one that has the most buzz around it at the moment: Quora. Robert Scoble has demonstrated the value the site can provide. Having answered more than 500 questions, he’s built a following of more than 22,000 people.

4. Profiles

Be present and active on social networks. It’s crucial to set up your profiles and use the sites to your professional advantage.
Below are some of the top site to establish your presence:

• About.me: Personal landing page
• Facebook Page: A valuable way to stay connected with your fans
• LinkedIn: A business network with full resumes
• Google Profiles: An important tool for ranking high in search results
• Twitter: A means to engage and spread your influence through conversation
• Disqus: Share your knowledge through comments

5. Meetups

Participating in meetups is another excellent way to network and build clout. There a few good tools for finding interesting events in your area. Here are two to get started with:

• Meetup: Join groups of people that interest you then meet in person.
• Plancast: You can see which events your friends are attending.

6. Social Email Signatures

Turn your email signature into a social and informative experience. When exchanging emails, everyone in your network will easily be able to find out more about you.
Wisestamp is a popular signature plugin that allows you to create sleek signatures with social icons, RSS feeds and more.

7. Guest Posting

Search for blogs in your area of expertise and pitch them specific ideas for posts. Each blog has its own style and focus, so make sure to tailor your pitches to each outlet. Be ready to share writing samples if asked, and be open to working with editors to revise your post as necessary. Alltop and Technorati are good places to start looking for tops blogs within your area of expertise.

8. Virtual Business Cards

Create a virtual business card so that it’s easy for people to find you and share your information with others. There are many ways to go about this:

• MiniCard: Buy a domain name and set up a business card-like site.
• QR Code: Have people scan your unique QR code instead of handing out text-filled cards.
• Twtbizcard: This site lets you transform your Twitter profile into a business card.
• Bump: This is an app that allows you to bump phones together to connect with people.

9. Newsletter

Sending out a monthly newsletter will allow you to build up a vast network. If you share valuable content with subscribers, they will then share it with their friends — bringing you a new subscribers and fans. If you do a good job, your list will continue to grow.
Some of the more popular newsletter services include:

• Mailchimp: A newsletter platform that is free up to 2,000 subscribers
• Tiny Letter: A simple platform for creating and distributing a newsletter
• Aweber: Users rave about this paid service, which comes with many options for building out your newsletter

As an example, Kevin Rose, co-founder of Digg, shares interviews, products and knowledge through his Tiny Letter newsletter, Foundation. At $3.99 per month, it's a bargain for readers who value his content.

10. Eat with Influencers

The opportunity to grab a meal with other potentially influential people is within your grasp. These days, it’s easy to set up networking meals through online tools like Let’s Lunch or GrubWithUs.
Let’s Lunch is a one-on-one lunch meeting generator that matches people based on reputation, influence, requests and practicality. Right now, it’s only available to people in NYC, Silicon Valley and San Francisco. GrubWithUs allows you to connect with others at group meals that you either find or set up yourself.

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Purchases Balance Transfers Regular APR Annual Fee Credit Needed Intro APR Intro APR Period Intro APR Intro APR Period N/A* N/A* N/A* N/A* See website* See website* Fair/Bad Credit*

Credit One Bank® Credit Card with Gas Rewards Email offer		At Credit One Bank's secure site
	Unlimited 1% cash back gas rewards No limit to the gas rewards you can earn Rewards post to your account automatically each month Get Pre-Qualified without affecting your credit score Automatic reviews for credit line increase opportunities Keep an eye on your credit information with free online monthly credit score tracking Choose your card design from our premium gallery Email or text alerts to remind you when your payment is due See complete Credit One Bank® Credit Card with Gas Rewards details
Purchases Balance Transfers Regular APR Annual Fee Credit Needed Intro APR Intro APR Period Intro APR Intro APR Period N/A* N/A* N/A* N/A* 17.90% - 23.90% (Variable)* $35-$99 Bad Credit

USAA Secured Platinum Card Email offer		At USAA Savings's secure site
	USAA Bank products are only available to military members, veterans who have received an Honorable discharge, and their eligible family members. It's a real credit card - not a prepaid or debit card, that helps you build or improve your credit score. When you apply - you'll also be opening a USAA 2-year Certificate of Deposit (CD), an interest-earning deposit account that has a two-year term and a $250-minimum initial deposit. Your CD is a security deposit - the money you put in upfront, from $250 to $5,000, is the card's credit limit. Earn interest on your CD - your deposit is guaranteed to grow. Plus the money is yours to keep as long as you don't default on your payments. Start building your credit - opening a CD lets you get a credit card even if you don't have a credit history or have bad credit. See complete USAA Secured Platinum Card details
Purchases Balance Transfers Regular APR Annual Fee Credit Needed Intro APR Intro APR Period Intro APR Intro APR Period N/A N/A N/A N/A 9.90% (Variable) $35 Bad Credit

The First Access VISA® Credit Card Email offer		At First Access Card's secure site
	Get the security and convenience of a full-feature, unsecured VISA® Credit Card — accepted at millions of merchant and ATM locations nationwide and online Reporting monthly to all three major credit reporting agencies Perfect credit not required for approval; we may approve you when others won't Easy and secure online application If approved, pay a Processing Fee and you can access the $300 credit limit (subject to available credit) Receive your card more quickly with optional Expedited Processing (additional fee applies) Get a result in as little as 60 seconds upon completion of the online application Online Customer Center available 24 x 7 See complete The First Access VISA® Credit Card details
Purchases Balance Transfers Regular APR Annual Fee Credit Needed Intro APR Intro APR Period Intro APR Intro APR Period N/A N/A N/A N/A 29.99% $75 for first year After that, $48 annually. Bad Credit

Total VISA® Credit Card Email offer		At Mid America Bank & Trust's secure site
	Fast and easy application process; response provided in seconds Initial credit limit of $300.00! (subject to available credit) A genuine VISA card accepted by merchants nationwide across the USA and online Manageable monthly payments If approved, simply pay a Processing Fee to open your account and access your available credit Reports monthly to all three major credit bureaus See complete Total VISA® Credit Card details
Purchases Balance Transfers Regular APR Annual Fee Credit Needed Intro APR Intro APR Period Intro APR Intro APR Period N/A N/A N/A N/A 29.99% $75 for the first year, $48 annually after that Fair/Bad Credit

   

 

Best Free Way to check you credit score!

CREDIT KARMA

Credit Karma offers a new way to track your credit score and a unique way to benefit from it. For the first time you can get a truly free credit score and credit report with no hidden costs or obligations. Based on your score, you gain access to attractive offers from companies that value your creditworthiness.

The premise of consumer credit scoring is that people with good credit pay their bills on time, are less likely to go into collections and tend to waste fewer company resources overall. These factors translate to higher profitability for that company and make that customer more desirable.

The principle of karma is common to many beliefs. The general idea is that any action a person takes either positive or negative, will have an inevitable equal effect in the future. Your credit score is kind of an expression of this concept; an index of your credit history: your Credit Karma. Credit Karma embodies the best parts of these two disparate yet similar concepts to help people stay aware of their credit information and gain access to personalized offers at the same time.

Our services start with a free credit score and credit report. No credit card is required and no strings are attached. Return as often as you like and use our service to track your credit file and stay informed. Credit Karma believes this is a fundamental consumer right. Credit Karma will continue to provide free credit information while doing the most to protect your privacy.

When you access the free credit score, Credit Karma will show personalized offers to you based on your credit profile. These offers are from advertisers who share our vision of consumer empowerment. If you wish to take advantage of our offers, it is up to you. Credit Karma tries to give the power and the choice back to the consumer.

BEST CREDIT CARD TO APPLY FOR WHEN TRYING TO REBUILD YOUR CREDIT

Credit Cards Issued By Comenity Bank (formerly World Financial Network National Bank / WFNNB)

Comenity Bank (formerly World Financial Network National Bank, or WFNNB) is the company behind many retail store credit cards. When you become a credit card customer of J.Crew, Victoria’s Secret, or one of their other partner retailers, you actually become a customer of Comenity Bank, because Comenity is actually issuing the card. Comenity Bank credit cards include:

• Abercrombie & Fitch Credit Card
• Ann Taylor Credit Card

• Arhaus Credit Card
• Avenue Credit Card
• Bealls Credit Card
• Bealls Florida Credit Card
• Bealls Outlet / Burkes Outlet Credit Cards
• Bergner’s Credit Card
• Blair Credit Card (Comenity Capital Bank)
• Bon-Ton Credit Card
• Boston Store Credit Card
• Buckle Credit Card
• Caesars Total Rewards Visa
• Carson Pirie Scott Credit Card
• Catherines Credit Card
• Chadwicks Credit Card
• Crate & Barrel Credit Card

• Dress Barn Credit Card
• Eddie Bauer Credit Card
• Elder-Beerman Credit Card
• Express Credit Card
• Gander Mountain Credit Cards
• Giant Eagle Credit Card
• Goody’s Credit Card
• Gordmans Credit Card
• Herberger’s Credit Card
• HSN Credit Cards (Comenity Capital Bank)
• J. Crew Credit Card
• Jessica London Credit Card
• J.Jill Credit Card (Comenity Capital Bank)
• Justice Credit Card
• Lane Bryant Credit Card
• The Limited Credit Card
• Loft Credit Card
• Marathon Visa
• Maurices Credit Card
• Meijer Credit Card
• Metrostyle Credit Card
• New York & Company Credit Card
• OneStopPlus.com Credit Card
• Overton’s MasterCard
• Pacific Sunwear Credit Card
• Palais Royal Credit Card
• Peebles Credit Card
• Pier 1 Imports Credit Card
• Pottery Barn Credit Card
• Reeds Jewelers Credit Card
• Restoration Hardware Credit Card
• Roaman’s Credit Card
• Saturday Night Live Credit Card
• The Sportsman’s Guide Visa
• Stage Credit Card
• Talbot’s Credit Card
• Trek Credit Card
• True Value Credit Card
• Victoria’s Secret Credit Card
• Virgin America Credit Cards
• West Elm Credit Card
• Woman Within Credit Card
• Younkers Credit Card
• Z Gallerie Credit Card