Top VIdeos. Warning Invalid argument supplied for foreach in srvusersserverpilotappsjujaitalypublicindex. Join the NASDAQ Community today and get free, instant access to portfolios, stock ratings, realtime alerts, and more Join Today. News archive. Home 2017 May Thursday Racially motivated fight leaves Arizona prison on lockdown Valentino Rossi taken to hospital with mild. Ever notice how Christopher Nolans movies Interstellar, Inception, The Prestige feel like an anxiety attack Well, maybe thats overstating things a bit. But. Credit One Unsecured Platinum Visa Card Review. If you have bad credit, its tough to find an unsecured credit card that doesnt try to pick your pocket. The Credit One Unsecured Platinum Visa looks good on the surface, but not when you look under the hood. This is the third time Ive updated the review for this card. Some of the terms and rates have changed and I want you to have the most recent information. Every time I review this card, I think it will be easy. But, heavens no, Ive been working on this baby for over two days The problem is that the terms and conditions are kind of vague when it comes to the grace period. See, there is, actually, a portfolio of credit cards from Credit One Bank. They are all fairly easy to get and a few even have rewards. Here they are Credit One Unsecured Platinum Visa this review, Credit One Visa 1 Cash Back on Gas and Groceries, Credit One Visa Credit Line Increase Reviews, and  Credit One Visa Free Credit Score Tracking. But which ones have a grace period In the Terms Conditions disclosure statement on the website it says this If your Account has a Grace Period, your due date is at least 2. Interest will not be charged on any Purchases if your entire balance is paid by the Payment Due Date each month. Sir Billi The Vet Watch Free Online' title='Sir Billi The Vet Watch Free Online' />For Accounts with no grace period, Interest is charged on Purchases from the posting date. All Accounts are charged Interest on Cash Advances from the posting date. Okay, kudos to Credit One for adding a grace period to some cards. But total transparency involves disclosing which cards have a grace period and which do not. To be clear, if you use a card that doesnt have a grace period, the interest charges begin as soon as your purchase gets posted to your account. So you cant really avoid interest even if you pay the balance in full and on time. Grace periods are usually between 2. If you pay your bill in full during that time, you dont pay interest. I dont care how bad your credit score is. You deserve a grace period. Even though the lack of a grace period is actually a big deal, you arent likely to see this mentioned on credit card comparison websites and even rarely in reviews because if theres a financial relationship involved, mentioning this ugly secret makes the card a tough sale. Id like to edit this classic line from Star Wars These arent the droids youre looking for. Regarding the Credit One Bank portfolio These probably arent the credit cards youre looking for. If you get one with a grace period, thats good. But keep in mind that you still have other fees to think about. Im calling Credit One to see if I can find out which cards have grace periods. If any of you have a Credit One card, please let us know if you have a grace period. Thanks in advance Rates and fees. Okay, lets get down to the basics for the Credit One Unsecured Platinum Visa Card, which doesnt have any rewards. If you want to look at Credit Ones other cards, you can do that right here. From what I can tell, youll see the same ranges for the rates and fees for all the cards. Read on and youll see what I mean. APR You get a variable rate of 1. This has gone down a smidgeon, so Ill give them credit for trying. Balance transfers Not applicable. APR for cash advances You get an APR between 1. The transaction fee is either 8 percent or 3 percent. This is making my head hurt. Why cant they just tell you which card is 8 percent and which card is 3 percentThis fee is usually around 3 percent to 5 percent tops, so an 8 percent transaction fee is unusually high. Ill make it easy for you and for my head. Just say no to cash advances. The interest starts accruing the second your purchase is posted to your account. Annual fee Its 0 to 7. In the second year, youre annual fee is divided into 1. For example, if the annula fee is 6. Theres also an Authorized User Participation Fee of 1. Is this like a getting a participation trophy in Little League Foreign transaction fees Its 3 percent. This is actually within the normal range, but it isnt listed with the other fees, such as the annual fee. I found it deep in the depths of the fine print. If you want to check out this addition to the fine print, its listed in the cardholder agreements under 1. Delay on payments posted to your account If you make a payment on a balance, Credit One states that you wont have access to the newly available credit until 1. For example, lets say your credit limit is 3. If you send a 1. If you mail it, you need to add two or three more days. So count on a 1. 4 day delay from the time you mail the check to have the available credit again. Do NOT send cash. The Trashmaster Online. Credit limit increases Theres a fee and it ranges from zero to 4. It also sounds like they will do a review of your credit report again so be prepared for a hard inquiry. This can decrease your score a few points. A few more gotchas in the fine print. The minimum payment due is 5 percent of your balance. This is pretty high. If your balance is 2,0. You need to be aware of this so you dont get in over your head financially with this card. The issuer is trying to sell you a credit protection program and its usually a waste of money. It costs 0. 9. 6 per every 1. These programs are over priced and often dont even pay off when you need them. Resist the hard sell tactics that try to make you feel like you cant survive without this insurance. The bottom line for Credit One credit cards. Have you noticed that my review has shifted from focusing on just the Credit One Platinum Visa card toward all of Credit Ones cards Thats because as Ive delved into the deep end of their terms and conditions, its become difficult to decipher what to expect with any specific card. But I will be doing a review of the cash back card so I can explain the rewards program. Ill link to it when Ive written it. Now, I acknowledge and applaud Credit One for adding a grace period to some cards. But what cards have them Ill bet many folks who get approved for one of their cards have no idea if theyre signing up for a card with no grace period. Please, Credit One, be more transparent about terms and rates so people can make knowledgable decisions about a credit card. And I urge all of you to ask about the grace period if you are offered a credit card. Credit Ones credit cards are sometimes listed on credit card comparison sites as cards for people with fair credit, which is roughly a FICO score between 6. If you have fair credit, you can get much better terms with other credit cards. Check out this post and youll see what I mean 3 Best Credit Cards for Fair Credit. Listen, I know you dont have a lot of choices if you have bad credit. But if you get approved for a Credit One credit card that has no grace period, you could end up in debt. If you pursue one of these cards, ask about the grace period and rates before you open the account. You could also consider taking a look at a secured credit card. You can find less expensive secured cards that will help you rebuild your credit. Heres my list The Best and Worst Secured Credit Cards. Just as an aside, I read several comments on credit boards and forums that mentioned that the Credit One Bank logo is eerily similar to the Capital One logo. You know what It totally is. I guess Credit Ones going for a halo effect. Well, good luck with that. Note Credit card agreements change frequently. So my review is based on the information that I believed to be in effect today. Be sure you read all the disclosure statements carefully. I dont make money from credit card referrals so you can be confident youre getting my honest opinion. The Uncanny Sound Illusion That Creates Suspense in Christopher Nolans Movies. Ever notice how Christopher Nolans movies Interstellar, Inception, The Prestige feel like an anxiety attack Well, maybe thats overstating things a bit. But the director does have a knack for creating an unnerving degree of tension. Turns out hes using a little bit of musical magic to do it. The magic is actually a science based audio illusion called a Shepard tone. Named after psychologist Roger Shepard, a pioneer in our understanding of spatial relation, the effect sounds like an infinitely ascending or descending scale. The tones are constantly moving upwards or downwards, but they never seem to reach a pinnacle or nadir. This is accomplished by stacking scales on top of each othertypically one treble scale, one midrange, and one basswith an octave in between, then playing them in a continuous loop. A Shepard tone is sometimes referred to as the barber pole of sound. You can even see the similarity, when you hear it and look at the spectrum view of a Shepard tone. Dont listen to this too long, or you might lose your mind Anyways, Christopher Nolan just loves this. With longtime collaborator Hans Zimmer, the acclaimed director has used a Shepard tone in almost every one of his films in the last decade. He even writes his scripts to match the effect. In a recent interview, Nolan explained how he used Shepard tones in his newest film, Dunkirk The screenplay had been written according to musical principals. Theres an audio illusion, if you will, in music called a Shepard tone and with my composer David Julyan on The Prestige we explored that and based a lot of the score around that. And its an illusion where theres a continuing ascension of tone. Its a corkscrew effect. Its always going up and up and up but it never goes outside of its range. And I wrote the script according to that principle. I interwove the three timelines in such a way that theres a continual feeling of intensity. Increasing intensity. So I wanted to build the music on similar mathematical principals. Knowing this, you gain a deeper understanding of films like Interstellar, Inception, and The Prestige. It also explains why these films seem somehow inconclusive. A Shepards tone creates a conflict that cant be resolved, just like Nolans plots. Digg, Business Insider.