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A private label credit card is a store-branded credit card that is intended for use at a specific store. A private label credit card is a type of revolving credit plan managed by a bank or commercial finance company for either retail or wholesale manufacturers, such as department and specialty stores.What credit cards offer instant approval?
There are three types of cards that offer instant approvals. The first are prepaid debit cards that will approve all applicants once their identity is confirmed. These are not credit cards, so customers cannot incur debt, but neither will they have a payment history that will be reported to the consumer credit bureaus.How does the Credit CARD Act protect consumers?
The Consumer Credit Protection Act (15 U.S.C.A. § 1601 et seq. ) is federal statute designed to protect borrowers of money by mandating complete disclosure of the terms and conditions of finance charges in transactions; by limiting the Garnishment of wages; and by regulating the use of charge accounts.