One of the ways in which you can accumulate GM Card earnings (to be later redeemed when buying a GM motor vehicle) is by shopping online with the card. By default, 5% of what you pay, when shopping online using the GM Card is added to your GM Card earnings account. But that figure can go up, if you shop at one of the Bonus Shop stores. In the latter scenario, you end up accumulating more GM Card earnings faster. Subsequently, you get the chance to save more, when acquiring your GM vehicle of choice.

What can you buy using the GM Card?

According to the GM Card website at shop.gmcard.com/h____.htm, there is really no limit to what you can buy using the GM card. The card can be useful to you when shopping for apparel. It can be useful to you when shopping for computers and electronics. It can be useful to you when shopping for software in app-stores. It can be useful when shopping for beauty and health products. It can be useful when shopping for services… and anything you can think of.

Remember, the GM Card is basically an ordinary MasterCard, issued by a bank (Capital One Bank), and anything you can buy using any other bank card, you can buy also buy using this particular MasterCard.

How much are you charged for using the GM Card?

The fees associated with the GM Card are exactly the same as the fees charged for shopping online using any other bank card. You don’t pay anything extra just because you paid for stuff using the GM card. The end result is that the ‘discount’ you ultimately get from GM when you redeem the earnings (at the point of purchasing a GM vehicle) is actually a discount in the realest sense of the word.

What difference does shopping using the GM Card make?

In terms of the payment process, shopping using the GM card isn’t different from shopping using any other card. It is not any more complicated. If it is a brick and mortar store you are shopping in, you just swipe the card. If you are shopping online, you enter the card number and the signature code. But the difference is in the fact that you accumulate earnings in your GM Card account every time you pay for something using the card. These ‘earnings’ are redeemable for ‘discounts’ when buying GM vehicles. The discounts in question can be substantial, running into thousands of dollars. So using the GM card is worthwhile, if you are considering buying a vehicle from GM at some point later. That is because using this card (for your other day to day purchases) can translate into a huge discount being availed to you, when you go to buy the GM vehicle you fancy.

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Getting a loan is not always a very straightforward affair. You have to go through a very thorough vetting process, as the lender tries to figure out whether or not you are creditworthy. And once you manage to get the loan, managing the money is not always easy either. There is always the challenge of seeing to it that the money is directed to the purpose for which you borrowed – and not diverted. There is also always the challenge of seeing to it that you are able to repay the loan, and the interest thereof, once the time for that comes. The most unfortunate thing is that our education system doesn’t give us comprehensive lessons in the subject of loans: yet borrowing and lending is such an integral part of modern life. It is against that background, then, that we often see people going out to check whether there are any books out there on the subject of loans. And thankfully, there is quite a good number of such books. Two examples will suffice, to show you what you can expect when looking for books on how to get and manage loans:

Amit Eshet’s “Loans 101: How to Get a Loan, Pay Less and Get More”

This book deals with the entire subject of loans from the borrower’s perspective — in the process offering tips on how to be successful in loan applications, and how to ensure that you get the best deals when shopping for loans. The author is a financial planner with decades of experience, and is therefore able to offer practical advice that actually works in the real world. The book takes you through the entire cycle surrounding loans: from the point where you have to make a decision on whether to borrow, to the actual loan application process and onto the loan repayment. The book also shows you (briefly) how to make the most of the money you manage to borrow — in order to ensure that you don’t end up regretting when you have to repay money that didn’t really benefit you. At just 48 pages, and costing just a few dollars, this handbook is a must-have for people who are considering applying for loans.

Amit Sheet’s “Loans 101: How to get a loan. Pay Less and Get More (Money Management Series)” is available from the Amazon Bookstore.

Ty Kiisel’s “Getting a Business Loan: Financing Your Main Street Business”

This book is essentially a practical guide to borrowing for small business owners. In this book, Ty Kiisel gives the small business owners a thorough overview of the financing options available to them. In that respect, Ty deals with both the traditional financing options through banks and non-traditional financing options that many main street business owners remain unaware of. Ty Kiisel then goes further to show the business people how they can actually be successful in applying for loans and in deploying the loan funds once the loan applications go through. Written in everyday language, this 212-page book can actually make the difference between financing a business successfully and having a business fail on account of inadequate financing.

Ty Kiisel’s “Getting a Business Loan: Financing Your Main Street Business” is available from the Amazon Bookstore

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www.GMCard.com Reward Credit Card – GM Card

The GM Card is best described as a rewards/customer-incentive card, offered by the General Motors Corporation. It is a card through which you can accumulate ‘earnings’ which you can subsequently redeem when purchasing an eligible GM vehicle. It is, thus, a card you can use to hasten your acquisition of a GM vehicle, and to […]

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www.gmcard.com/core/how-to-earn – How to Accumulate GM Card Earnings

At the most fundamental level, to accumulate GM Card earnings, you only need to pay for stuff using the MasterCard that is referred to as the GM Card. Introduction to the program The GM Card program can be viewed as being a collaborative effort, between GM (General Motors) and Capital One Bank. It is a […]

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www.gmcard.com/core/vehicles/ – The GM Card Redemption Allowance Chart

The GM Card redemption allowance chart allows you, as a GM cardholder, to figure out how much of your GM Card earnings you can be allowed to redeem, when acquiring various types of vehicles sold by GM. As background information, we may mention that the GM Card is a customer incentive (in the form of […]

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www.gmcard.com/efc/how-to-redeem – GM Card Earnings Redemption

Everyone who takes up the GM Card does so with one core objective. The core objective is to end up spending less on the acquisition of a GM vehicle. The acquisition can be by way of purchase or lease — though most of the people who take up the GM card do so with the […]

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