Low Interest Credit Cards & Financial Services

Welcome to Direct Banc Credit Cards with Low Interest Rates
Thank you for choosing to visit Direct Banc®, your ultimate shopping destination for unique, low interest rate credit cards and financial services. We have been helping our customers find the perfect financial products safely and simply since 1999.
Our comprehensive selection of credit cards, personal loans, and credit care products, coupled with our expert ratings and reviews, assures you that you will be able to find the best financial services with the least amount of hassle. We wish you the best of luck , and as always, we welcome your comments and opinions. Enjoy.
Top Gas Credit Cards That Save the Most Cash
In recent weeks, driving by the corner gas station each day, you get the helpless feeling of money being drained from your wallet even without stopping for a fill-up. The numbers on the price signs seem to be spinning like a slot machine in Las Vegas, but there are no winners.
There may be no better time than right now to rediscover gas reward credit cards. If you could get just 2% of that back, you could have an extra $300 to spend on other essentials in your budget. That may not seem like a lot, but it could put an extra bag of groceries in your refrigerator each month. And, if it doesn’t cost you anything to get that money back, why wouldn’t you do it? Read More
Tips to Decipher the Confusing World of Credit Card APRs
You may have noticed an increase in the amount of credit card offers you’ve received in the mail lately, as the credit card companies are eager to capitalize on the current upswing in credit card use.
Many people base their choice of credit card on rewards or points, but the APR on a card is just as important, because it determines how much money will leave your wallet if you don’t pay off your monthly bill in full. Increasingly, credit card offers now come with a “range” of APRs, which leaves you guessing where in that range your rate will fall. Read More
Credit Cards After Bankruptcy: Butt-Ugly But Effective
Credit cards after bankruptcy are butt-ugly, but effective. Most people think that bankruptcy means that their financial lives, as they know it, are over. The reality is that it can be a tremendous opportunity to begin their financial lives anew – clean slate, if you will.
establish credit, if used correctly. Make no mistake, it’s a long, slow trudge, but for those with a deliberate plan of action and the discipline to manage it... Read More
Teaching Kids About Money: What Are Your Habits Teaching Them?
In the 2012 Consumer Financial Literacy Survey conducted during Financial Literacy Month in April, it was revealed that nearly half of adult Americans learned everything they know about finances from their parents.
Considering that the same percentage graded themselves at a C or lower on their knowledge of finances, it would seem that many parents, as the key source of financial literacy for their children, are somewhat wanting in their methods. So, wed wrote this article to provoke thought in parents about what your personal spending habits are teaching kids about money. Read More
Eating Out vs Eating at Home? And the Winner is …
Another sign that the economy may be picking up is the reported increase in restaurant revenues, an indication that people are allowing more eating out into their once-strapped budgets. Recent surveys, however, point to another reason why people are choosing eating out vs eating at home, and that is that many have determined that it could be less expensive.
Really? While it’s true that grocery prices have increased faster than restaurant prices, can one truly make the case that, over the long run, it’s cheaper to eat out, or is it just a rationalization for avoiding the kitchen? Read More
DirectBanc Spends A few Minutes with John Ulzheimer …
Directbanc.com is pleased to include John Ulzheimer, the foremost expert on credit reporting, in our Personal Finance Blog Series.
John Ulzheimer is a nationally recognized expert on credit reporting, credit scoring and identity theft. He is the President of Consumer Education at SmartCredit.com and the credit blogger for Mint.com. Formerly of FICO, Equifax and Credit.com, John is the only recognized credit expert who actually comes from the credit industry. Take a look at what he has to say about credit in today's economy... Read More
6 Ways Paying Off Debt is Like Being a Runner
Much like being a runner, paying off debt and the journey towards debt freedom, takes dedication and hard work. In high school I was an avid runner, and played sports like soccer and track. I’ve been working very diligently for little over 2 years to pay off all my debts, which included credit cards and my auto loan.
For me, paying down debt has many similarities to being a runner. Here’s 6 ways I relate being a runner to paying off debt and achieving financial goals. Read More
Low Rate Business Credit Cards for Small Businesses
It’s nearly impossible for a new business owner to avoid using a personal credit card because most banks won’t issue a business credit card unless it has an established credit history.
It’s definitely a Catch-22. Still, it’s important to have a deliberate plan in place to build a credit history for your business so that you can take advantage of using a business credit card – and the advantages are many: Read More
Credit Cards for Teens: What You Need to Know
With more than 13 million adults defaulting on their credit card accounts, why on earth would we even consider our teens ready for plastic spending by outfitting them with credit cards for teens?
However, we are not here to pass judgment on our teens, and we really can’t because it is up to us to impart the financial wisdom they need to make responsible decisions. So, as our teens clamor for more spending capacity, maybe it’s time to fulfill our parental obligations and teach them the ways of the financial world. Read More>

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Balance Transfer Credit Cards

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Travel Rewards Credit Cards

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Financial News & Opinion

CFPB: We’ll Change Credit Card Act Rule to Help Stay At Home Moms

After complaints about the effect of the Credit Card Act on stay at home parents, the CFPB will propose a new rule to remedy the situation. It is yet another stunning example of how our legislators continue to enact laws with unintended consequences, one that was supposed to prevent college-aged students from getting in debt [...]

Will a DMP (Debt Management Plan) Hurt My Chances of Getting Credit?

For people struggling with debt, forming a DMP (debt management plan) through the CCCS to pay down and eliminate it is a good option.�The Consumer Credit Counseling Service (CCCS) is a viable and legitimate solution that shouldn’t be mistaken for one of those debt consolidation or settlement companies that advertise on late night TV. It [...]

Money Management with MoneyCrashers

Money Crashers was chosen by Directbanc.com as one of the Top Five Personal Finance Blogs We Like, notable for their sound financial advice. Gyutae Park, one of the founders, was kind enough to share the story behind their personal finance blog, and what distinguishes them from the rest. 1) Can you share with our [...]

Survivalist 101

In these days of uncertainty, learning how to prepare yourself for future disaters that may lie ahead is only prudent. Financially speaking, one should learn how to get their financial house in order by preparing for an economy that may be completly different in the future. You can find financial prepping strategies here[...]

Expert Tutorials

Investing 101: Tutorial

With all of the volatility in the market, why would a new investor even consider jumping into the market for the first time right now?

Because Stocks are Dirt Cheap!

We have prepared an amazing tutorial for first time investors. This tutorial teaches you the basics like, how to open a brokerage account to the detailed, like how to get insurance against losses when you buy stocks.

Gold Investing Tutorial

Gold has been on the scene for at least 5,000 years – a much longer period of time than stocks or bonds, and, for that matter fiat currency (paper currency issued by governments). In difficult times like our own, investors turn to gold as an alternative investment to stocks and bonds, or occasionally as a hedge against these paper investments.

Best in Class Cards

Low Interest Credit Cards & Financial Services

Welcome to Direct Banc Credit Cards with Low Interest Rates

Top Gas Credit Cards That Save the Most Cash

Tips to Decipher the Confusing World of Credit Card APRs

Credit Cards After Bankruptcy: Butt-Ugly But Effective

Teaching Kids About Money: What Are Your Habits Teaching Them?

Eating Out vs Eating at Home? And the Winner is …

DirectBanc Spends A few Minutes with John Ulzheimer …

6 Ways Paying Off Debt is Like Being a Runner

Low Rate Business Credit Cards for Small Businesses

Credit Cards for Teens: What You Need to Know

CFPB: We’ll Change Credit Card Act Rule to Help Stay At Home Moms

Will a DMP (Debt Management Plan) Hurt My Chances of Getting Credit?

Money Management with MoneyCrashers

Survivalist 101

Investing 101: Tutorial

Gold Investing Tutorial

Low Interest Rates

Balance Transfer Cards

Airline Miles Cards

Reward Credit Cards

Travel Rewards Cards