Word: cards
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...July, every incoming first-year receives a thick envelop full of information about advanced standing, Expos and other relevant aspects of life at Harvard. Mixed in with this mailing is a Religious Interest Card, which allows students to request information from College religious organizations before arriving on campus, but the list is not exhaustive. Organizations not affiliated with Harvard’s United Ministries (UM) do not make it onto the card, are not listed in the Harvard directory, cannot advertise on student activities day or on campus billboards and their leaders do not get any University privileges. Without...
...Pforzheimer House was the first House to grant card access to non-residents during daytime hours,” they write in an e-mail. “Within a few years after our change in access policy, all Houses offered this to residents from other Houses, and the morning opening and night closing times were made more or less uniform...
...specifics of co-branded cards vary quite a bit, but generally, for each dollar you charge, you receive a point. Points can be redeemed at affiliated companies--for lattes at Starbucks, chinos at the Gap, flights on Delta. The number of accounts offering rewards jumped from 35 million to 56 million last year, according to the industry-tracking Nilson Report. And the offers keep rolling in. Bank One and Visa launched a card last month with Sony; American Express added to its program last week a company called Space Adventures, which sells "space flight experiences," including airplane rides that simulate...
...ANNUAL PERCENTAGE RATE AND GRACE PERIOD. Interest rates for these cards average 1 percentage point higher than for nonaffiliated cards, according to Bankrate.com "The interest charges can easily outweigh the benefit," says Greg McBride, an analyst at Bankrate.com If you carry a balance, your first priority should be finding the lowest possible ongoing interest rate (not the teaser rate). If you don't carry a balance, make sure the card has a grace period of at least 25 days, or else you might incur charges anyway...
...RESTRICTIONS. Read that fine-print pamphlet for any caveats about how rewards can be earned or spent. For example, points on the Southwest Airlines Rapid Rewards card expire after 12 months, so you have to rack up 19,200 points (or $19,200 in everyday purchases) in one year to qualify for a free ticket...