BP Visa Rewards Card

Earn up to 10% in rebates
Earn up to 5% in rebates
0% APR for up to 6 months
No annual fee
Online Account Management
Zero Liability against unauthorized purchases

Earn up to 10% in rebates
Earn up to 5% in rebates
0% APR for up to 6 months
No annual fee
Online Account Management
Zero Liability against unauthorized purchases
!
EARN up to 10% in rebates. Introducing the new

BP VISA Rewards card

Earn up to 10% in rebates

• 10% rebates on all participating BP location purchases1
  
• 4% rebates on all eligible travel and dining purchases1
  
• 2% rebates on all other eligible purchases1
  

• 5% rebates on all participating BP location purchases2
  
• 2% rebates on all eligible travel and dining purchases2
  
• 1% rebates on all other eligible purchases2
  

• There's no limit to the amount of rebates you can earn!
  
• Every time you accumulate at least $25 in rebates, you decide how and when to redeem your reward. Redeem for your choice of:
  
• A BP Gift Card
  
• A check made payable to you
  
• A donation to The Conservation Fund
  

• 0% APR for up to 6 months3
  
• No annual fee
  
• Online Account Management
  
• Zero Liability against unauthorized purchases4
  

DID YOU KNOW?

	Meeting a bank's loan requirement with poor credit is practically impossible. Although banks and credit unions approve loans for short-term cash flow problems, these financial institutions are not very eager to do business with a bad credit applicant. Fortunately, there are other alternatives for acquiring quick cash. Fast, Instant Personal Loans Payday loan companies are the place for getting fast, hassle-free cash for emergencies. If you need an immediate car repair, or need to pay a utility or medical bill, cash advance lenders are willing to help you. Upon completing a loan application, these lenders will confirm stated information, and approve your application within minutes with no credit check or collateral. Getting Approved for a Cash Advance The requirements for obtaining a short-term cash advance loan are realistic. Unlike banks and credit unions, which have strict lending criteria, cash advance companies make an effort to help people during hard times. Thus, they offer funds to people who really need it. To begin the loan process, you must locate a suitable cash advance lender. Each company is different. Some offer short-term loans, which are due within two weeks. Then again, some loan companies offer 30-day loans. Go online and compare cash advance lenders. Research companies and inquire of lending fees and loan terms. When you have located a lender, complete the online application form. Even though these loans do not involve credit checks, you will need to meet basic requirements. For starters, you must be at least 18-years-old. Secondly, payday loans companies ask that all application have the same employer for at least 60 – 90 days. Furthermore, payday loan companies request that applicants earn at least $1000 a month. In some cases, the minimum monthly salary is $1500. Lastly, all payday loan applicants must have a valid checking account. This is very important because funds are automatically deposited and drafted from your checking account. Of course, the cash advance company will verify all information stated on your application. Once employer and banking information is confirmed, and your application approved, the lender will deposit the money into your banking account. On the due date, the funds are electronically drafted from your account.

With gas prices higher than a year ago and most likely not going down, and people’s schedules being busier than ever it is easy to see why on-line shopping is growing in popularity. Virtual Malls, or on-line shopping malls, offer you the same products as you get in the store, and in some cases even more than that same local store would carry. If they are out of stock you can place your order and they will ship it when it comes in or you can go to the next store and see if they have it. You aren’t wasting time and gas on driving from store to store or making a second trip back only to find out they didn’t come in or sold out again.

There are some issues that prevent people from shopping on-line, such as age/generation. Some older people just don’t trust the system, which is understandable. Another issue is security. There is a concern about credit card information being stolen over the internet which puts you at risk for Identity Theft. This is a very reasonable concern to have but shopping in the stores does not eliminate this risk, in fact it may even increase the risk. If you use the credit card at the store it is still transmitted to the bank in a similar manner. Not only that but you have the cashier who can take your numbers from a copy of the receipt. There is usually a person in the cash office counting the money and receipts, so there is another exposure.

Another reason to not shop on-line is the possibility of shipping costs. While most retailers offer free shipping on some items, if not all, the shipping costs are no different than gas money doing the driving yourself. It may not seem the same because you are putting gas in your car anyway but think of how much more you may use if you need to drive any distance at all to get to the mall.

There are always going to be the people out there that are trying to save money and they think they can do it better on their own. You know the kind of person I am talking about, the person that will drive 10 miles out of his way to go to the cheaper gas station only to save $.02 a gallon. What that person doesn’t realize is if he is charged shipping for an on-line purchase it will be offset by the lack of sales tax as most retailers don’t charge sales tax on-line.

I am of the firm belief that your time is valuable. If you spend 4 hours, between commuting time and shopping time, at the mall and you could have gotten everything done in 2 hours on the internet, in the comfort of your own home, you are making out much better on-line. You also have the option of getting a better price on-line because there are 100 stores at the click of a button waiting to earn your sale. At the mall you get one or two stores selling the same product so your options are limited. If someone really wants to steal you credit card information they will find a way to do it, either by robbing you, breaking into your house, stealing your mail from the mailbox, or at the local store. Do not let that be the reason you go to the store.

The next time you have to do some shopping, and you have never tried the internet, give it a shot. I think you will convert once you see how easy it is.