Credit card scam! 6 possible cards you should consider dumping today for your online safety

Online Credit card scam has come to stay. How do I manage my credit card data and information online might just be the few questions you sure should be asking.

The world has really gone smart. From our everyday online purchases to hiring and fixing uber metered travels. This further increases the issue of internet security away from web hacks, a serious burning internet problem too.

possible credit card scam


You don't really need cash in hand anymore!

Everything you need now can be gotten by taking little but precisely smart actions. Do you need a cab? Get Uber with your credit card. Do you need the lyrics to your favourite song? Genius? Do you need to purchase wares you stumbled online? Utilise our credit card too.

No doubt, the importance of the modern credit card usage cannot be over-emphasised as it is been utilised in our day-to-day work.

The best and well-known credit cards out there offer lucrative reward programs, concierge services, and extra perks, but these are far from common. 

There are also thousands of credit cards on the market with most of them being atrocious. It, therefore, implies that, if you’re looking for a new credit card, it’s really important to do your homework to make sure that you get the right one.

We, therefore, scrubbed the internet to help you save some time, below are some credit cards that you should seriously consider dumping or avoiding altogether.

Kroger REWARDS World Mastercard


This cash back credit card offers its customers rewards at Kroger and Kroger Family of Companies and 1 extra point per every dollar spent on online purchases elsewhere. The catch is that you require 1,000 points to make up for 5$ in free groceries, meaning that you’re only getting a 0.5% base rewards rate. Pretty cunny strategy!

The normal base rewards rate for most popular reward card is 1%, making this card extremely disappointing and never encouraging to use.



SKYPASS Visa Secured Card


No doubt, it is pretty much a herculean task to find a secure and credible card that offers travel rewards, but this particular one isn’t worth the trouble. The card offers 5,000 bonus miles with Korean Air after your first purchase, 1,000 bonus miles each year, and one mile per dollar spent.

However, you’re required to place a deposit that is equal to your credit limit as collateral, and the card charges a $50 annual fee. Furthermore, Korean Air doesn’t operate in the United States, giving you few redemption options. Even if you do fly with Korean Air frequently, the minimum credit line of $300 doesn’t give you much space to rack up rewards.

BP Credit Card


If you are the type that does spend a lot of money at the gas pump, getting a gas credit card might sound like a good idea.

However, this card might not just be the answer. Firstly, you can only use it at BP gas stations and, secondly, after the first 90 days, the card offers just $0.10 off per gallon for every $100 spent.

Pretty much bad to begin with, especially if your vehicle has a big tank, but all the rewards you earn are valid for a single use only, and you’re limited to 20 gallons.
The good news is that BP actually has a Visa credit card that offers much better rewards on gas and everyday purchases.

Arvest Bank Visa Classic


It’s very much weird to come across a credit card with no balance transfer fee, but Arvest Bank isn’t doing you any favours. This credit card offers a 4.90% intro APR on purchases, balance transfers, and cash advances for just six months, which then jumps to 13.90%, 16.90%, or 20.90% after that.

If you happen to have good credit, you should have a high chance of getting approved for a card with a long 0% intro APR.

Reflex Mastercard


Need a credit card for rebuilding credit? The issuer Continental Finance might be the best possible card answer.

They offer you this card on an unsecured basis, but depending on your creditworthiness, you might have to put up a security deposit as collateral in order to get the card.

Either way, it’s not worth it if you fall into the category that detests sky-high charges up to 29.99% variable APR, but it also imposes a number of other fees, including:

• An annual fee of $125 for the first year, then $96 after that

• A monthly maintenance fee of $10 starting in year two

• An additional card fee of $30

Why should you have to pay more money just because your credit card isn’t in good shape? There are many credit card issuers that won’t take advantage of their customers like this.

State Farm Student Visa


Now, I must have to start with this. Everybody sure is a student provided you are not working. A handful of student credit cards offer decent enough rewards, but this one isn’t on that list.


You’ll earn 3 points per every dollar spent on State Farm insurance premiums up to $4,000 annually, and 1 point for every $2 you spend elsewhere. However, as a college student, you’re not going to be spending much on insurance policies, if at all.

Furthermore, the base rewards rate is subpar, and there are no clear details about how much the points are worth. Instead, you should consider the Journey Student Rewards from Capital One, which offers up to a clear 1.25% cash back on every purchase that you make.

Well, I might sure be guessing what our thought was when you stumbled on this post. No doubt our online security depends on what we do with our card and card information online. Never enter into draws and raffles you are not confident with.

Credit card scam has come to stay! It therefore depends on how your manage and live your online activity bearing in mind what the scammers might just be doing to your account at that particular time.

Nobody is safe!

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Trillionclues - Technology Based Tutorials: Credit card scam! 6 possible cards you should consider dumping today for your online safety
Credit card scam! 6 possible cards you should consider dumping today for your online safety
Online Credit card scam has come to stay. How do I manage my credit card data and information online might just be the few questions you sure should be asking.
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