Affiliate Blog

Affiliate Update: 2 New Visa® Cards & Orchard Payouts

We have great news to share! We're pleased to announce that we've increased the payouts for both the Orchard Bank Visa® Card and the Orchard Bank MasterCard®. To get the full details on your payout, contact your account manager today!

We're also excited to introduce the AccountNow® Gold Visa® Prepaid Card and the newly reintroduced Applied Bank® Secured Visa® Credit Card. Take a look:

AccountNow® Gold Visa® Prepaid Card
		0% Monthly Fee* Higher daily and monthly limits Borrow money and build credit history* Free Credit Building and Bill Pay  ›› See Details
Applied Bank® Secured Visa® Credit Cards
		12.99% low fixed APR - rate won't change even if you're late! Choose your credit limit up to $500* No credit requirements and no income requirements Credit bureau reporting ›› See Details

If you have any questions or want to learn more about these offers, please contact your account manager for details.

Affiliate Update: Public Savings Secured Card Changes

Please be advised that the Public Savings Secured Visa® Credit Card offer has recently implemented significant changes and compliance updates to the offer. If you are currently running the Public Savings Secured Visa® Credit Card, we ask that you make the following changes immediately:

Approved Bullets:

• 0% APR on purchases for 6 months
• No annual fee or monthly fees
• Your credit is not a factor!
• We report to all 3 major credit bureaus

Additional Compliance Information:

• The new minimum credit line has been raised from $200 to $300
•  Application fee has been reduced to $75
• New maximum credit line raised from $1500 to $2000
• Please remove any marketing around "Build good credit" or anything that promises this card will improve credit scores
• Please remove any bullet points around "no income or employment verifications"

We apologize for the short-notice and any inconvenience this may cause. If you have any questions regarding these changes, please contact your account manager.

Affiliate Update: Discover Student Card Changes

Please be advised that Discover® has a new bullet point for the Discover® Student Mix Tape Card. Effective immediately, the following text should be added as the first bullet in your marketing copy for this offer:

"Build your credit with our contest-winning Student Card design - 250,000 votes on 7,000 submissions resulted in the new Mix Tape. Get yours today!"

In addition, all Student Cards should have a go-to APR pricing of "as low as 15.99%".

Please ensure that you make these updates as soon as possible. If you have any questions or want to learn more, please contact your account manager for details.

Affiliate Update: Identity Lookout is Back!

We're excited to announce that we've recently made changes to the payout pricing model on the IDENTITY GUARD® EXTRA CAUTION® offer. Effective immediately, all payouts will be paid on gross sign-ups. You will no longer receive refunds or charge backs.

We're also pleased to announce the return of Identity Lookout. Identity Lookout was briefly removed from circulation to revamp the offer to meet the new FTC mandates— but now it's back and better than ever:

Identity Lookout offers identity theft protection and credit monitoring services with a $1 million dollar risk-free protection plan. Identity Lookout gives you daily 3-bureau credit monitoring with email alerts of key changes, credit, debit and ATM card protection, fraud resolution assistance and much more. See Details»

If you have questions or want to learn more about these offers, please contact your account manager for details.

Affiliate Update: FTC Mandatory Compliance Clarification

Beginning April 1, 2010, the Federal Trade Commission's Free Credit Reports Rule will require that all online advertisements for "free credit reports" comply with the disclosure rules as defined by the FTC. To help ensure that all affiliates meet the new compliance requirements and deadlines mandated by each advertiser in response to the ruling, we've created the following outline as a guide:

Advertiser:	Guidelines:
	At 5pm Pacific time, on Wednesday, March 31st, all links will be updated to redirect from FreeCreditReport.com to FreeCreditScore.com. Please note that there is no report component with this offer. To ensure compliance, please update all marketing copy to reflect this change. Contact your affiliate manager for the new FreeCreditScore.com logos if needed. See Offer Details
	At 5pm Pacific time, on Wednesday, March 31st, all links will be updated to redirect from the current 30-day free trial offer to a new 7-day free trial offer. Equifax has mandated that all references to the words "free credit report" or "credit report" be removed from all marketing copy for this offer. To ensure compliance, please update all marketing copy to reflect this change. See Offer Details
	All offers will remain the same. TransUnion has mandated that all references to the words "free credit report" or "credit report" be removed from all marketing copy. To ensure compliance, please update all marketing copy to reflect this change. See Offer Details
	If you are using the terms "credit report" in any of your marketing copy for IDENTITY GUARD® EXTRA CAUTION®, you MUST market the non free trial offer. Please contact your account manager for an updated link to ensure compliance. NOTICE: Even if you choose to comply with the FTC regulations and meet all of the disclaimer specifications, if you use the term "free credit report", "credit report" or any variation of these terms in your advertising campaigns, you cannot market this offer. See Offer Details
	All references to the words "free credit report", "credit report", or any variation of these terms must be removed from all marketing copy. To ensure compliance, please update all marketing copy to reflect this change. See Offer Details
	All references to the words "free credit report" must be removed from all marketing copy. To ensure compliance, please update all marketing copy to reflect this change. See Offer Details
	All references to the words "free credit report" must be removed from all marketing copy. To ensure compliance, please update all marketing copy to reflect this change. See Offer Details
	All references to the words "free credit report", "credit report", or any variation of these terms must be removed from all marketing copy. To ensure compliance, please update all marketing copy to reflect this change. See Offer Details

For affiliates using banner ads, please login to your affiliate account to download the newly approved banners. If you choose to use your own banner ads, they must be approved and you must remove all references to a "free credit report" as defined by the FTC's new rule. They must also meet the individual requirements listed above for each advertiser. All banners must be pre-approved before use.

For affiliates who choose to continue marketing "free credit reports", "credit reports" -- or any variation of these terms in your advertising campaigns, you must follow the guidelines exactly as they are defined by the FTC to meet disclosure placement, size and font specifications. We strongly urge you to read the full details of the rule as published by the FTC here.

If you have questions regarding these changes, please contact your account manager.

Affiliate Update: Green Dot Offer Details, New Features & Widgets

We have quite a bit of news for you this time around including changes to the Green Dot Prepaid cards, Vision card pixel hosting, new Credit Card Widget features, and a brand new Credit Card Rate Table Widget. Take a look:

Green Dot Prepaid Cards
Please update your marketing terms for the Green Dot prepaid card to the following:

• Guaranteed approval*, no credit or Chexsystems℠ checks
• No overdraft fees or minimum balances
• Online bill pay - send checks to anyone
• Free direct deposit & credit builder

If you are using any other terms, please remove them immediately and replace with the issuer authorized bullets listed above.

Vision Premier
Vision can now host your pixels!

New Widgets & Features
	Credit Card Widget: We've added new features to the Credit Card Widget! You can now select by individual card and then sort the order. Check it out.
	Credit Card Rate Table Widget: This new widget lets you choose by category type and allows you to customize the look and feel of the table. See it in action.
	Credit Card API/XML Feedback: For those of you wishing to market credit cards through our Credit Card API, we want your feedback. If you have ideas or specific features that you'd like to see, email us and let us hear about it!

If you have any questions or want to learn more about these offers or our widgets, please contact your account manager for details.

Affiliate Update: Orchard Bank Visa & AccountNow Prepaid Offer Details

We're pleased to announce that the Orchard Bank Visa Card is now available in our affiliate program. Also, for those of you looking for a great prepaid email opportunity, the AccountNow® Prepaid Visa Card is now available for use in your email campaigns. Take a look:
 

Orchard Bank Visa® Cards:
	Bad credit? No problem. The Orchard Bank Visa Card can help you get your credit back on track. Orchard Bank reports to all three major credit bureaus monthly, giving you the opportunity to rebuild your credit with good payment behavior. See Details
AccountNow® Prepaid Visa® Card:
	Now Available for Email Campaigns: The checking account alternative that lets you borrow money and build a credit history. Simply load your card with cash through direct deposit, Western Union, Money Gram, Green Dot, or Visa Ready Link to get started. See Details

If you have any questions or want to learn more about these offers, please contact your account manager for details.

Affiliate Update: CARD Act Changes for Platinum Zero Card

In preparation of the new CARD Act changes that are scheduled to go into effect on Monday, February 22nd, the issuer for the Platinum Zero Card has made the following changes:

• ZERO - 0% FIXED APR on Purchases - No Intro Rates!
• ZERO - 0% Rate Won't Change - Even If You're Late!
• ZERO Application Fees
• ZERO Worries - FREE Personal ID Theft Protection

If you are using any other terms, please remove them immediately and replace with the issuer authorized bullets listed above. Please note that the maximum credit limit for the Platinum Zero card is now $500.

These changes will be effective on Monday, February 22, 2010. We apologize for the short-notice and any inconvenience this may cause. If you have any questions regarding this change, please contact your account manager.

Affiliate Update: 3 New Card Offers Now Available!

We have great news to share! The Discover® Student Open Road Card is back. With unlimited cash rewards on all purchases, it's no wonder why it's one of the leading student cards in the market today.

But that's not all. We've also just added two new Vision Prepaid card offers to our affiliate program. Take a look:

Discover® Student Open Road Card:
	Earn unlimited cash rewards on all purchases with the Dsicover® Open Road Card. With this card, card holders can build credit and save on driving, dining and everything else.
Vision Platinum Visa Prepaid Card:
	The only Transaction-Fee Free Card. Spend $1,000 or more a month? Platinum is for you. No monthly fee, free transactions, free ATMs and more.
Vision Preferred Prepaid Visa Card:
	The Load 'n' Go Card. Want the conveniences of a prepaid card but don't want Direct Deposit? Preferred is for you. Safer than cash, use anywhere, pay bills faster.

If you have any questions or need links for any of these new offers, please contact your account manager for details.

Affiliate Update: 3 New Credit Report Offers Now Available!

The Credit.com affiliate team is working hard to find new, premium products for our affiliates to choose from. Our goal is to provide you with the best selection of offers in the credit and finance niche and we're excited to announce that we've just added not one, but three new credit report offers to our affiliate program:

Score Assist Credit Report and Scores:
	With Score Assist you have an ability to pre-pop the data and emailing marketing options. Customers will receive their credit score, auto score, insurance score, employment score, and future score. See Details
TrustedID® Identity Theft Monitoring:
	TrustedID® provides the most complete identity protection available. Unlike credit monitoring companies that alert you after someone has already stolen your identity, TrustedID® prevents thieves from stealing your identity in the first place. See Details
CreditReportsandScores.com:
	Daily credit profile monitoring automatically alerts consumers regarding any changes reported by all three credit reporting agencies - Experian, TransUnion, and Equifax! See Details

We also wanted to take a moment to mention our excellent pre-paid card offers. If you have poor credit traffic searching for new credit cards, try adding one of our pre-paid card offers as another option.

As always, if you have any questions or want to learn more about these new offers, please contact your account manager for details.