- 1 visa with points
- 2 Buy the Apple products you love with special financing.
- 3 RewardsCreditCards.org ∙ The Best Points & Mileage Credit Cards
- 4 PNC Points Visa Credit Card – Better than Others?
- 5 visa with points
visa with points
Points for Australian VISA:
Many Pakistanis are interested to apply for Australian VISA. You can apply in two ways:
1- VISA with Points Test
2- VISA without Points Test
In this article, we will focus on the VISA with the points test and tell you what is the procedure for that and how many points do you need to qualify? There are points for every skill and if you are young, genius and educated and you have a grip over English language, you can qualify and score high points. The higher the points are, the higher is the chance to qualify. The Points System is managed by DIBP, i.e. Australian Department of Immigration & Border Protection.
We have designed a Points Calculator for you that is helpful in knowing about your points or skills that you should have while apply for Australian VISA. You just have to answer a few questions. At the end, you will see total points, you get. Now, let us see, what are the factors affecting your points:
First of all, your age is the main factor. The required age is below fifty years. Maximum points are for those ranging from 25 to 32. For English proficiency, you can get higher points if you have a superb command over it. It is judged using your IELTS Test (International English Language Testing System). In this test, your communication skills are checked.
Another way to get maximum points is, if you are a Passport-holder of the United States, Canada, United Kingdom, New Zealand, Ireland, etc. For more points, you may go through the skilled test. IELTS has, further two categories:
1- General IELTS (standard English Test)
2- Academic IELTS (For Academic or Medical Field)
The requirement of General or Academic test depends upon your selected profession. There is a list of skills and professions that are allowed to select. It is called SOL, i.e. Skilled occupations List.
To see your name in the regional list, you should have competent English, some job experience and a few job opportunities. All this is required before the display of the list.
So, overall you are required to get 60 points to be eligible for Australian VISA. Those who get more points, they are selected. Since, the competition has developed, so the qualified persons may also be rejected on the basis of merit of these points. Try to get the highest points by improving your skills.
Buy the Apple products you love with special financing.
Get up to 24 months of special financing and earn reward points on purchases at Apple when you use the Barclaycard Visa with Apple Rewards.
Earn reward points for every purchase.
Every 2,500 points gets you a $25 Apple Store Gift Card or iTunes Gift Card.
- 3 points for every $1 spent at Apple
- 2 points for every $1 spent at restaurants
- 1 point for every $1 spent on all other purchases
No interest if paid in full within the promo period.
Special financing on purchases made at Apple within the first 30 days of account opening. Promo period based on purchase amount:
- 6 months: less than $499
- 12 months: $499 to less than $999
- 18 months: $999 to less than $1499
- 24 months: $1499 and over
Interest will be charged to your account from the purchase date if the purchase balance is not paid in full by the end of the promotional period or if you make a late payment. The purchase APR will be 14.99%, 20.99%, or 27.99% variable, based on your credit worthiness.
Your Apple purchase(s) may not be paid in full by the financing offer expiration date if you only pay your minimum amount due each month. You may have to make additional payments to avoid interest charges.
After you apply, you’ll return to Apple to continue shopping. If approved, sign in with your Apple ID (or create one), and your Barclaycard Visa will automatically appear at checkout.
See where you are in the application process.
Visit Barclaycard to access your credit, then shop at Apple.
Get more information about the
Barclaycard Visa® with Apple Rewards.
Barclaycard Visa® with Apple Rewards Disclosures
Offer subject to credit approval. If at the time of your application you do not meet the credit criteria previously established for this offer, or the income you report is insufficient based on your obligations, we may not be able to open an account for you. This offer is available to new Cardmembers only. For information about rates, fees, other costs, the reward program rules, and benefits associated with the use of the credit card program, please see the Terms and Conditions.
You may receive a Visa Signature card. Benefits will vary depending upon the card for which you are approved. Please review the materials provided with the Cardmember Agreement you will receive after account opening for more information about the benefits that will apply.
In many cases, applications can be processed immediately and a decision made in as little as 30 seconds. In some cases, additional review of your application will be required. Most applications that require additional review can be completed and a decision made within 10 business days.
The promotional financing offers apply to all qualifying Apple purchases made only at apple.com, Apple Store Locations or 1-800-MY-APPLE using the Barclaycard Visa with Apple Rewards card that post to the new account within the first 30 days of account opening. Qualifying Apple purchases are billed and post to your account when the merchandise is shipped to you. For example, if a partial order that is shipped and billed to your account is an amount that is less than $1499, then your account will not initially be given the 24 month special financing promotional offer and instead your initial statement will reflect the promotional offer described above for a transaction that is less than $1499. Barclaycard will monitor your account and will aggregate the total dollar amount spent at apple.com, Apple Store Locations or 1-800-MY-APPLE that post within the first 30 days of opening your account. If the total amount is $1499 or more, you will receive the 24 month special financing promotional offer on all qualifying Apple purchases. If the total amount is greater than or equal to $999 and less than $1499, you will receive the 18 month special financing promotional offer on all qualifying Apple purchases. If the total amount is greater than or equal to $499 and less than $999, you will receive the 12 month special financing promotional offer on all qualifying Apple purchases. If the total amount is less than $499, you will receive the 6 month special financing promotional offer on all qualifying Apple purchases. The adjustment(s) will appear on your 2nd or 3rd billing statement.
Exclusions: iTunes purchases and/or subscriptions are not deemed to be qualifying Apple purchases under this offer and are not eligible for the promotional financing offer, regardless of where or when the iTunes purchase is made.
Earning Points: You will earn three (3) points for every $1 when you make a qualifying Apple purchase with your card at apple.com, an Apple Retail Store, 1-800-MY-APPLE or the iTunes Store. You will earn two (2) points for every $1 you spend on restaurant/dining purchases. For all other purchases, you will earn one (1) point for every $1. Please note that your total purchases include purchases by you and your authorized user(s) and that returns/refunds will be deducted from the total.
Apple is not a participant in or sponsor of this promotion.
Apple Store Gift Card Terms and Conditions
RewardsCreditCards.org ∙ The Best Points & Mileage Credit Cards
PNC Points Visa Credit Card – Better than Others?
The PNC Points Visa credit card offered by PNC Bank claims to be different by offering points that you can redeem for rewards. Of course, other credit card vendors offer the same, so what makes this card any different? We’ll talk about the PNC Points Visa credit card rewards program, its benefits and features, and the rates and fees that apply to this card. Only then can you make a knowledgeable decision regarding this card.
PNC Points Visa Credit Card Features
The PNC Points Visa credit card comes with a 0% APR introductory offer on balance transfers for the first 12 months following the opening of the account. Balances must be transferred within 90 days of opening your account. After the introductory 0% APR expires, you can expect to pay between 11.99% and 21.99%, depending on your credit history and credit worthiness.
The PNC Points Visa credit card offer stipulates that real-time savings are directly impacted by your expenditures, purchases, and payment activities. Of course, be aware that all balance transfer amounts may be limited and restricted based on the terms and conditions of the PNC bank.
The PNC Points Visa credit card offers cardholders the ability to earn four points for every dollar spent in qualifying purchases. Upon approval of and receipt of the credit card, you’re automatically enrolled in the PNC Points Rewards program.
In addition, qualifying checking accounts that meet minimum balances or requirements for direct deposits can earn a 75% bonus on the base points earned when you have a PNC Performance Select or PNC Virtual Wallet with Performance Select checking account. You can also earn a 50% bonus if you have the PNC Virtual Wallet with Performance or a PNC Performance checking account. Earn a 25% bonus if you have a PNC Virtual Wallet account.
As you can see, the type of checking account or direct deposit account you have will determine the amount of the bonus on base points that you can earn with the PNC Points Visa credit card. Read the fine print comes to this points program, as minimum balances must be maintained. The following figures will be effective for the PNC points program by March 22, 2014.
For example, Virtual Wallet accounts must maintain an average monthly balance of $500 or more in a standard reserve account, as well as have qualifying monthly direct deposits of $500 or more into that account. In addition, you are required to only utilize mobile, online or ATM methods to make deposits or withdrawals.
The PNC Bank Performance checking account and the Virtual Wallet with Performance also come with stipulations. Such accounts must maintain an average monthly balance of $2,000 and combined average monthly balance requirements of $15,000. You must direct deposit $2000 or more into your account on a monthly basis.
Each account has specifications regarding average monthly balances and deposits. That’s why it’s so important to read the terms and conditions of any rewards program or the PNC Points Visa credit card in regard to terms and conditions. Know the rules before you apply!
Also keep in mind that the terminology “qualifying purchases” doesn’t necessarily mean that you can buy anything with your PNC Points Visa credit card. Some transactions are excluded, including convenience check purchases, cash advances, gift card purchases, and balance transfers. PNC Bank’s definition of “bonus points” specifies to special bonus offers, bonus points that are associated with credit card products, and purchase payback bonus points.
The terms and conditions for each of the types of accounts you have, as well as the stipulations for qualifying for the 25%, 50%, 75% bonus points rewards are quite lengthy and detailed. However, if you’re interested in this card, it behooves consumers to read the fine print to avoid misinterpretation.
A number of rewards are available from your use of the PNC Points credit card, including but not limited to travel, merchandise, and cash awards. In addition to such options, PNC Bank also offers special features that include:
- Auto redemption – for people who like to choose the same rewards.
- Deal of the week – every Wednesday, you’ll receive an e-mail that contains special offers, which are only available for 24 hours.
- Wish list – this is for those who can’t quite make up their mind what they want to redeem their points for. You can keep up to 25 items on the wish list at any given time.
When you enter the rewards program site, you’ll have access to the full rewards catalog. The amount of points you need to receive rewards varies. For example:
- 3,500 points will earn you a $5 Starbucks card
- 7,500 points to get you a $15 cash value award
- 11,500 points will get you a $25 gift card at Target
- 50,000 points will earn you $100 cash value award
You determine whether the money you spend to earn the points is worth the reward.
In addition to the above stipulations regarding the PNC Points credit card rewards program, the credit card itself comes with its own rates and fees. As mentioned, the introductory offer of a 0% APR is good for 12 months on balance transfers that occur within the first 90 days of opening the account. After that, balance transfer and purchase APR’s rise to 11.99% to 21.99%, based on your credit history.
While the PNC Points credit card does not charge an annual fee, additional fees do apply. Cash advances will accrue a 21.99% APR, and if you make a late payment, your penalty APR may rise to 28.99%. This penalty rate may apply until you have made six consecutive minimum payments by the due date.
Balance transfer transaction fees amount to $5 or 3% of the balance transfer amount, whichever is larger. Cash advanced transaction fees amount to $10 or 4% of the cash advanced, again, whichever is larger. You can expect to pay 3% in foreign transaction fees, in US dollars. If you make a late payment or a payment has been returned, you can expect to be charged up to $35. Log on to the website to learn more about their terms.
Carefully review the points program and determine whether the money you spend to earn points is worth the rewards, and that goes for the PNC Points Visa credit card as well. The stipulations, regulations, and rules attached to this card are lengthy, and may not offer a really good deal in the long run.
visa with points
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