First Vineyard

First Vineyard Mastercard

The First Vineyard mastercard advantage: you get money back.

First Vineyard is the most powerful incentive card on the market. By using your First Vineyard card for everyday expenses rather than cash or checks, you can qualify for 1% cash back on your own spending, or compensation based on other member’s spending.

Did you know that whenever a card transaction is run, only about 97% of the money used actually goes towards the purchase? The merchant agrees to accept less than the retail price of the product or service for the convenience of accepting your card. The difference (the discount fee) is paid to the card company and issuing bank. First Vineyard takes a portion of this fee, and uses it to compensate members as they use their cards and refer others. You are compensated for everyday spending.

• Receive cash back from your own spending
• Receive cash compensation from the spending of anyone in your compensation tree.
• Live debt free and receive compensation for your everyday spending.
• Reload your card directly from your payroll or bank account
• Powerful Online Account Management
• Online Bill Payment service included – Pay your bills directly with our powerful bill paymentservice
• Card Accepted at 30 Million merchants & One Million ATM machines

Credit Report Scores - Computing Then

Your credit report scores are based on factors that appear in your credit reports:

• Bill payment history (Good: on time and for the full amount)
• Total outstanding debt (Good: non-mortgage loan payments less than 5% of gross income)
• Types of debt (Good: mortgage, car loans, Bad: high credit card debt)
• Length of credit history (Good: 3 or more years of on time payments)
• Credit inqueries (Bad: many rejected applications)

The Equal Credit Opportunity Act (ECOA) prohibits certain factors from being used in determining your credit report score:

• Personal details such as sex, marital status, age, race, national origin, or because you receive public assistance income
• Sources of income such as regular alimony, child support, or separate maintenance payments

The Equal Credit Opportunity Act provides actions for you to take if suspect unauthorized factors are being used to deny you credit.

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Link text:	Credit Report Scores - See and Improve Them
Description:	Credit report scores affect your ability to get a loan, buy a home, and even get a job. Find out how to see and improve your score.
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