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  Apply online for an American Express gold card.

 

Apply online for an American Express® gold card.

 

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Apply today for the American Express® Preferred Rewards Gold Card!
* Make everyday purchases count twice: For a limited time, you can earn double membership rewards points on gas and groceries for your first year.
* Earn 10,000 Membership Rewards® bonus points when you spend $500 in 3 months - redeemable for a $100 gift card!
* No Pre-Set Spending Limit
* The Membership Rewards® program - Earn 1 Membership Rewards® point for virtually every dollar you spend and redeem for your choice of travel, shopping, and entertainment rewards.
* Gold Card Events - exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide.
* Express Approval. Get a decision in less than 60 seconds.
*See website for complete terms and conditions of card usage and application disclosure.

Other Gold Card Offers...

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With the American Express® Rewards Gold Card, you'll be a part of the Membership Rewards OptionsSM program, which automatically turns your purchases into points you can redeem for your choice of shopping, entertainment, and travel rewards -- you'll even earn double points at the places you shop every day, including supermarkets and gas stations.

*See Terms and Conditions

Get your hands on the most sought-after tickets in major cities across the U.S. from concerts and shows, to major league sports-often in advance of public sale, and exclusively for Gold Card, Platinum Card®, and Centurion Card® members.

Choose from hundreds of rewards from top retail and travel partners. Plus, advance tickets to Gold Card Events. Apply for the American Express® Rewards Gold Card.

Buy the things you need. Get rewarded with the things you want. Apply today for the American Express® Rewards Gold Card.

Click for savings on FedEx(r), Kinko's(r), Staples(r), Hertz & Hilton

Browse and apply for a gold credit card by major issuer.

Visa credit card offers: Visa Classic, Visa Secured, Visa Gold Credit Card, Visa Platinum Credit Card, Smart Visa Cards, Visa Signature Card and Reward Cards

MasterCard credit card offers: The MasterCard, Gold MasterCard, Platinum MasterCard and World MasterCard

American Express credit card offers: Personal Card, Rewards Green Card,Senior Member Card, American Express Student Card, Gold Card, Platinum Card, Blue from American Express, Blue Cash Card, Blue for Students

Discover Card offers: Discover Miles Card, Discover Gold Card, Discover Student Card, and the Discover Gas Card

Prestige Gold Card (no longer available): Designed for those with poor to limited credit who would like to establish credit by participating in the optional credit-building program. Those who become active members of the optional New Horizons Gold program will be glad to know that transactions will be reported to credit bureau(s) as an unsecured credit card.

  

American Express

 

According to the American Express website, the recession will not stop some consumers from reducing their spending this holiday season. Their survey reveals that about 10% of consumers will open their wallets and spend more on holiday gifts and 43% plan to spend the same as last year. Consumers aren't gloomy about the holiday season as about 41% of the general population say they are "joyful". Personal needs items was a top reason from those consumers who expect to spend more in the next 30 days. According to Pamela Codispoti, the American Express senior vice president and general manager, Cardmembers intend to spend on loved ones and plan to give more gift cards instead of cash. They plan to will use the Internet for more holiday shopping and those hard to find gifts.



American Express Leadership Academy

 

American Express began its Nonprofit Leadership Academy which is a program to develop the next generation of leaders in the nonprofit sector. Its training program is for a week and has a partnership with the Center for Creative Leadership. Participants experience leadership training through the Academy. They learn about their own strengths and weaknesses as managers and learn skills for leadership. 

 

They have sessions with American Express executives and listen to discussions about relationships between technology, demographics, and social changes. The program offers training to be effective in the 21st century. It was started in 2008 to meet the need of leadership in the nonprofit sector. The twenty-four participants are chosen based upon a competitive application process. Participants in this session have been paired with alumni from the April 2009 class who act as mentors, answer questions, and provide guidance about how to get the most out of the Academy experience.



American Express Shopping Promotions

 

American Express has information on their website that they will be more generous with the holiday reward points promotions for cardmembers. This will be for a limited time with rewards as much as 3 times or 6 times greater in some promotions. If you missed the promotions for Black Friday, there may still be some promotions for shopping online at Amazon. Visit their website for details about all their promotions and reward points.



American Express

 

American Express and Dunkin' Donuts® have joined to together so card holders can sign up Auto-Recharge, an automatic reloading feature on the Dunkin' Donuts Card. Cardmembers could receive a 20 percent bonus on each Auto-Recharge transaction of $25 or more and for each  $25 Auto-Recharge, American Express will load an extra $5 onto the Dunkin' Donuts Card. American Express Cardmembers can take advantage of this through March 31, 2010. Cardmembers can enjoy coffee, muffins and donuts on American Express for a limited time. Dunkin' Donuts Cards are available at participating restaurants and online at DunkinDonuts. Cardmembers who sign up for this can also get additional perks in-store and online with offers and product news specific to their local market.


American Express

 

American Express is planning some audio webcast of its investor conference call on January 21, 2010 and its financial community meeting on Wednesday, February 3, 2010 and will provide an overview of the company's business strategy. This Live audio of both will be accessible to the public by visiting ir.americanexpress.com. Materials will be posted on the Web site before each event, and audio replays will be available on the Web site following each event. For this and more information, visit their website.

 

One of their popular credit cards is the Starwood Preferred Guest® Credit Card, cardholders can earn Starpoints at participating Starwood hotels and resorts. These can be redeemed for free Night Awards at over 940 Starwood Hotels and Resorts and for flights on over 30 airlines with no blackout dates. Also, there is No annual fee for the first year the cardholder can get some Starpoints®.



American Express Cards

 

American Express OPEN® and the Lowe's Companies, Inc. have launched a credit card for business owners. The Lowe's Business Rewards Card from American Express is a business credit card that allows business owners to earn points on card purchases. This is a rewards program offered to Lowe's small business credit customers. This can help small business owners who pay their charge cards in full and help them manage their spending while providing credit they can use to run their companies.

 

The new card provides a tiered structure for earning rewards points. There are one point rewards, double rewards, and triple reward points depending on types of purchases and where the purchase was made. Lowe's wants to provide a good customer experience and the card could offer convenience and rewards for business owners who need it. The Lowe's Business Rewards Card was presented at the International Builders Show and will be available at Lowe's retail locations March 2010. To learn more about this card, visit the American Express website for this information and more details.



American Express

 

American Express® has Gold Card offers, some offer rewards and points on everyday purchases that can be redeemed for travel, shopping, dining, and entertainment. Some offers may have no pre-set spending limits, no annual fees the first year, and other great rewards. Cardholders may be able to get exclusive offers, travel rewards, perks to concerts or special events, and there may be options for upgrades. There are different offers for their cards, so it is important to check all the options to get the gold card with the benefits that will benefit your life style. Visit their website for all this information and more details or review these offers.



American Express

 

March 02, 2010, according to the American Express website, the "Count Me In for Women's Economic Independence" named Sarah Stevens the grand prize winner of the Make Mine a Million $ Business RACE (M3RACE). This was a year-long business growth competition for women entrepreneurs at the American Express OPEN® Women's Business Summit. Her company, Stevens Technologies, achieved the greatest year-over-year increase in gross annual revenue and also increased the number of employees who have health benefits, 401k packages and paid leave. Her company also serves as a subcontractor to Federal agencies like NASA, Langley Research Center. Stevens will also receive a year of growth-focused resources such as marketing, advertising and media opportunities as part of the grand prize.

 

Sarah's story is inspiring among days of economic crisis by earning revenue and creating jobs to help with some economic recovery. Since 2005, the movement has helped women grow their entrepreneurial ventures, and by providing women entrepreneurs with business growth resources. Count Me In for Women's Economic Independence is a national non profit provider of resources for women entrepreneurs who want to  grow micro businesses to million dollar enterprises. They launched Make Mine a Million $ Business® to inspire one million women entrepreneurs to scale their businesses to a million dollars in revenue. For this information and more visit the American Express website.



American Express

 

American Express will be giving $50,000 for the relief efforts in Chile from a recent earthquake. The money will go to the American Red Cross Chile Relief and Development Fund. They will also be providing assistance to their affected customers and clients during this difficult 

period.

 

American Express indicates on their website that the new reforms are not affecting how they do business, but they will be making some changes. Consumers can visit their website to read information to learn about the changes. They also say that they are happy to adopt changes that make it easier for their Card members to manage their credit.

 

American Express has a gold card that gives great rewards. For the first year there may not be an annual fee and no interest charges if the balance is paid in full each month. Those who apply for the gold card may be able to get a decision in as little as sixty seconds. Visit their website for these details and more information.

Free tips on choosing the lowest interest rate unsecured credit cards, from gold to platinum rewards.
Impact of credit card changes, how to choose a credit card or negotiate lower interest rates with your card company. Search for rewards with a gold or platinum credit card or a special balance transfer offer.
Whether you have good or bad credit, the Credit Card Holder Bill of Rights Act is to protect you. Review free credit card tips for getting the best deal for secured and unsecured credit cards, and advice on managing accounts from gold to platinum.
Credit card companies are now required under the Credit CARD Act to make copies of all credit card agreements available to the public.
Democrats Removed Our Right To Prayer In School And Now Strip Us Of Credit Cards. Here's what happened to bad credit cards.
Review our free debt management plan advice. In a DMP, you deposit money each month with a credit counseling organization. The organization uses these deposits to pay your credit card bills, student loans, medical bills, or other unsecured debts according to a payment schedule they’ve worked out with you and your creditors.
Credit card delinquency rates at American Express and Capital One are lower than last month. Apply online for a new credit card with better rewards or to balance transfer to a lower interest rate.
American Express offers free business travel savings tips. Apply online for a consumer or business travel credit card or other rewards.
According to a MasterCard online shopping study, the majority of frequent shoppers are women. Browse secured and unsecured credit card offers; including American Express, Chase, Discover and Visa, and submit your application.
American Express Card Member's Project to Donate $2.5 Million to Charity Projects. Apply for an American Express Card or for other secured and unsecured credit cards offers.
American Express has been named the best credit card company for customer satisfaction, this the second year in a row. Apply for an American Express Card.
Common questions turned into credit card facts. Apply for a good or bad credit card. Choosing between the best credit card offers can be hard. Consider a no interest 0 intro balance balance transfer, a pre-pay ATM or a pre-paid debit secured credit card, or unsecured credit card benefits that offer travel, miles, discount and vacation rewards. Pick between American Express, Chase, Discover, MasterCard and Visa, even if you need a joint consumer or business credit card.
American Express(R) and Starwood Hotels add a new hotel reward for American Express(R) Gold Card Members. Browse other rewards, travel and vacation credit card offers. Whether you choose a secured credit card or an unsecured credit card, be sure to review all card faqs.
There are now new ways for American Express card members submit project ideas for the Members Project. American Express will donate $2.5 million to fund the project. Also browse our website for government grant programs.
American Express; and Delta Air Lines, launch a travel credit card for both consumers as well as small business owners, called the Delta Reserve Credit Card. Apply for a business or vacation airline sky miles card.
American Express launches a new, online travel community called Members Know. Browse and apply for a travel credit card that awards sky miles, hotel and motel rewards, vacation and entertainment perks.
To further promote its travel card services, American Express has added two new travel agencies to its network.
American Express no fee, retail store gift card offers.
American Express establishes three membership rewards levels to compliment card member lifestyle and use.
The SimplyCash card from American Express gives small business owners automatic cash back rewards on virtually all purchases.
American Express launches the Starwood Preferred Credit Card for consumers as well as small business owners, to make earning free hotel nights and sky miles easier.
American Express Bonus Points Mall offers point rewards to card holders.
American Express card offers rich rewards and the prestige of Bank of America and American Express Card Programs.
Special Introductory Balance Transfer Rates from American Express and Chase.
American Express Travelers Cheques offers a $500 discount card during the peak travel season, with 10-50% savings on hotels, airline travel, dining and entertainment.
Open, from American Express, helps small business owners zero in on business needs.
American Express creates a global advisory services unit for its business travel members.
Merchant acceptance of the American Express ExpressPay, a contactless payment system, is increasing.
American Express offers the Benefits Plus Card for Healthcare payment.
American Express Membership Rewards Program offers unique perks to members, retail and travel partners.
Want a 0 introductory card for balance transfer? Browse 0 interest credit card offers from major issuers like Discover, AmericanExpress, Chase, Visa and MasterCard.
According to the American Express Small Business Monitor, worries over the economy are at an all time high. Browse and apply for a business credit card.
American Express Card Members Project has been narrowed down to five candidates. American Express will fund a total of $2.5 million. Apply for a rewards credit card. Browse American Express and other platinum credit card offers.
American Express Card Member Perks. Browse and apply online for an American Express Card.
Not only do American Express Travelers Cheques offer travel security, but can also be helpful during disasters. Travelers checks can typically be bought by any credit type, including bad credit and no credit people.
For extra perks and rewards to offset gas and other vacation costs, consider travel credit card; whether personal or a business credit card, that offers that offer hotel, fuel and sky miles. American Express Membership Rewards® Program adds more partners.
American Express reveals travel, air and hotel rates to rise. Browse for gas, motel, sky miles and other travel rewards cards.
Small Business Vacations. Travel tips from American Express OPEN. Browse and apply online for a travel credit card that offers airline sky miles, gas rebates, motel discounts, special entertainment programs and more.
American Express Travel Poll. Browse and apply for a travel rewards card that offers perks for gas, motel, airline and rentals. Get points for sky miles and more.
Some credit card rewards better than others. American Express Red Card grants money to charity.
Open, from American Express (SM) and Sovereign Bank form strategic partnership to serve small business owners. Apply for a small business credit card.
American Express Income Tax Payments Rewards.
American Express Business Travel. Apply for a travel credit card that offers rebates for gas purchases and motel stays, or builds airline sky miles.
American Express card image logos. Consider an AmEx green or blue card.
American Express introduces a new card called the Amex One Card. This card offers a savings account with interest. Browse for other credit card benefits.
American Express and Qantas launch suite of co-branded consumer travel credit cards. Apply for a travel credit card that offers airline sky miles and other rewards.
American Express Business Travel wins award.
American Express and GE Consumer Finance account card issuing alliance. Apply for an American Express credit card.
AmericanExpress Business Travel made easier. Apply for a travel credit card that offers gas rebates, airline sky miles, hotel and motel perks.
Bank of America Plans to Issue AmEx Cards. Browse American Express card offers and apply online.
Citi launches new line of credit cards on the American Express network. Also consider cards from other issuers that offer rewards such as cashback.
American Express business travel reports costs continue to climb. Get a small business credit card for airline sky miles, motel, hotel, gas and other perks.
Want a joint credit card? American Express and The Knot, Inc. launch unique credit cards designed for engaged couples and newlyweds. Apply for a joint spouse card.

Bad Credit Card

 
For people who have bad credit seeking a credit card for bad credit, some research is needed before applying for bad credit cards. There are credit card companies that offer cards but before doing any financial transactions, take the time to determine which card will be best for your needs. It helps to read all the rules, policies, terms, conditions, and fees of the credit card company.

Usually it takes a secured credit card for people with bad credit as it will be secured with your own money. For example, you may have to send the credit card company money and then you will have that amount or part of that amount as a credit. This may be the only option to get a card with your bad credit but it can help you rebuild bad credit reports. Make sure the company reports to a major credit bureau.

Once you have done some research on the types of cards for bad credit, apply for the credit card with the best terms. If you think that your credit is not bad, you could apply for a regular unsecured credit card at first and if you get rejected, then apply for a secured card. Be honest on any applications and use your own information. 

When a deposit is required for a secured card, transfer or mail it in and you are on your way to rebuilding bad credit or rather starting some good credit history. It is helpful if you use the credit card every once in a while, but it is not necessary to use all the available credit on the card. After a year, try to apply for a regular unsecured credit card.

Balance Transfer Credit Card

To get some low interest rates, credit card companies may require that balances be paid in full every month. However, even consumers with less than perfect credit may be able to get a low interest credit card if they shop around. Credit card companies are always offering low intro cards for a limited time and for a consumer who has other credit cards with balances, this can be a good time to transfer those balances onto one low, introductory credit card and pay off the balance by the deadline.

Interest rates and fees can add up quickly when we have 3 to 5 credit cards that all have balances due. If this sounds like what you have, try adding up those monthly fees to determine if you can save money by transferring all those balances onto one, low interest credit card. Having several credit cards can help when tracking expenses for specific items, so you may want to keep those credit card accounts open.

A low interest credit card can be great to use to get those credit card debts down to one payment each month. This can help you avoid having to shuffle credit card payments and risk missing one, only to find you have a high late fee added on next month's statement. Credit cards help us manage our lives and business and having an offer for a low interest credit card is worth considering.

Credit Card Tips

 

Credit card companies are taking all the steps to make sure they will be ready for the new laws in February 2010. Some companies are ready and others are getting more prepared. Disclosing the terms and conditions in an easy to understand way is part of the new law. 

 

The companies usually offer consumers a card that fits their credit type even if it was not the card inquired about. When consumers are offered different cards, they will also get information about the terms and conditions associated with the card offer before the application is processed.

 

Cards have different APR information and will state if the APR will apply to cash advances and what can cause it to rise or fall. Some companies increase the rate when payments are late or the credit limit has been exceeded. Information about processing fees will be provided and may vary depending on credit worthiness.

 

Secured credit cards as other credit cards have different fees, terms, and conditions. Processing fees can range from $0 to $35. Every company is different and may require low security deposits or high deposits. They can change the APR and can apply payments to lower APR balances before applying it to higher balances. When seeking a credit card, it is important to read all the terms and conditions for fees. For example, if you select that you want your credit card delivered quickly, it could cost you.

 

Make sure you know who your credit card issuer is, their phone number, how they process your personal information, and if they share your personal information with third parties. keep all your credit card account numbers in a safe place along with phone numbers in case you ever need to report a lost or stolen card. Always report lost cards immediately. Having a credit card is a privilege and the terms and conditions for using the credit card must be followed.

Rewards Cards

 

Reward credit cards can be very appealing. Yet it is important to do some research before making a selection. Read the fine print to make sure the other fees don't exceed the rewards you will get in return. Some cards don't give rewards if a balance is carried from one month to another so it may be necessary to pay off the balance every month. They could even charge higher interest rates on outstanding balances.

 

Read the terms carefully and take notice of words like "up to". This can mean the maximum you can get. You may not go up to that level unless you spend a lot of money on the card. In that case, you may get less than the advertised reward. The actual cost of the points is important and you should figure how much money is required to get a particular reward. By doing some figuring it is easy to get an idea about the cost. If you are required to spend $10,000 just to get the reward of a gift voucher of $60, it does not seem worth the effort.

 

Your spending habits are important in addition to how much is necessary to earn rewards. For example, programs offering frequent flyer miles usually require the cardholder to spend a lot of money. If you are an occasional spender, it could take a long time to get a free flight. Gas cards are very popular and great to have but read the terms before applying for the credit card. They have been popular due to the high cost of gas. Make sure you meet the requirements to get the rewards. Some gas cards may give points only if you shop only at a specific gas station. 

 

Annual fees are an issue to consider as they can be high and you must decide the fee to have the card is worth the amount required to get rewards. For example if you have a high annual fee and you must spend up to $5,000 before earning rewards, it may be the right reward  card for your needs. It is worth the time to review any limits imposed on rewards. If you get five per cent cash back on purchases but up to a limit of $250, spending over the limit will be wasted. Some rewards can expire if they are not used within a limited period of time.

 

The best way to save money is not to have spend a lot of money just to get a specific reward, the right reward card can be great if it matches the financial needs of the cardholder. Managing finances is important and before applying for any credit card, read the terms and conditions for the credit card. It is best to know the fees, interest rates, and what is necessary to get the benefits of the rewards offered. Many consumers who use reward cards have benefited by earning flying rewards, hotel rewards, and gas rewards. Any rewards should fit the specific needs of the cardholder.

Travel Credit Cards

  

When you travel with someone that you share joint credit card accounts with, it can make it difficult if a credit card is lost or stolen. For example, if a credit card is lost, all account holders could be affected by the closing of the account. The best way to travel is with everyone taking their own personal, individual credit cards in only their name. By doing this, if someone looses their card, they could have an easier time using another person's credit card for any charges during the trip. The canceled credit card account would not cause hardships for all other travelers.

 

Before you travel, notify all your credit card companies to let them know about your travel plans. This can prevent your credit card from being deactivated due to the credit card company mistaking transactions as possible fraud. Some companies deactivate cards if they suspect the card could have been lost or stolen. For example, you are overseas making several charges, your card could become deactivated as fraud protection. It is easier to make a few phone calls before you leave on a trip to prevent this.

 

Carry the phone numbers of all credit card companies and the names of the credit cards you will use when traveling in case you must report lost or stolen credit cards. Review any terms or information about reporting lost cards before your trip. Check your credit card benefits for any perks or discounts that you can take advantage of during your travel. It can help to carry at least two credit cards when traveling, for example, a MasterCard, Discover, and or Visa.

 

If you travel abroad, watch out for any fees that some banks charge to convert charges in foreign currencies to dollars. Review all your credit card issuers terms to determine which cards offer the best deal on foreign currency conversion.

 

Get the latest American Express news and read our financial and credit articles related to the American Express credit card.

 

 

 

   

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Credit Card Offers: Free credit card search makes choosing a credit card easy. Browse the most popular, best credit cards.

 

Credit troubles? Apply for a pre-approved credit card offer based upon your credit history. Poor and bad credit people can apply for a credit card to rebuild credit or to establish credit. If you have very bad credit, consider bad credit card offers such as a secured credit card like a prepaid Visa, no credit check cards or other types of a guaranteed card.

 

For very high risk people there are options other than a standard unsecured credit card, such as an online guaranteed platinum card for online store purchases, or possibly even qualify for a charge card or a discount card from retail stores like the WalMart card or the Sears card.

 

Prepay credit card offers: Apply for a debit card or a bank ATM card.

 

Rewards credit cards: In addition to perks such as a 0 intro balance transfer, major cards offer other benefits like a travel credit card that rewards free airline miles, a gas card, or family entertainment offers like the Disney credit card, apply for an unsecured platinum credit card.

 

Credit card interest rates: Some cards offer no interest and a 0 introductory period on purchases. There are also some with a special 0% balance transfer period so you can transfer balances from other cards to your new credit card.

 

Special credit card offers: Almost every credit card company will offer a spouse joint credit card account. Other special offers include no deposit credit card, business credit card, student credit card and shopping cards like a Christmas credit card. Read the fine print, compare the card benefits, rewards and ratings before you submit an online application.

 

Credit card company offers, including gold credit card and platinum credit card offers:

Visa credit card, such as the gold Visa card or the platinum Visa credit card.

MasterCard credit card, such as the gold MasterCard or the platinum MasterCard.

American Express card, such as the gold American Express card or the platinum American Express card.

Chase card, such as the platinum Chase card.

Discover card such as the gold Discover card or the platinum Discover card.

 

Before you apply, review all the credit card facts. Once you get the card right for you, read every credit card statement carefully and request credit card companies to stop credit card mail offers. Browse more credit card resources.

 

  

  

Auto Loan: Get free quotes and apply for a new or used auto loan or for auto refinancing.

Credit Report: Free credit report help to fix credit report errors and improve credit score ratings. You are entitled to one free credit report annually.

Debt Counseling: Get your expenses under control with credit counseling, an unsecured debt consolidation loan, debt management or negotiate debt settlement.

Free Credit Offers: Get no obligation, free credit offers plus financial tips to help effectively manage your personal finances.

Home Loan: Free multiple quotes from mortgage lenders. Apply for a new home loan and start building your financial security.

Mortgage Refinancing: 2nd mortgage loan and other types of mortgage refinancing for home remodeling, equity cash out or a debt consolidation loan and more.

Payday Loan: Easy approval bad credit unsecured loan with no credit check, no deposit and no security.

Personal Loan: Submit a short or long term personal loan application (if available), or apply for other secured or unsecured loan offers.

Personal Finance: How to file bankruptcy plus free bankruptcy forms. Create a household personal budget, balance a checkbook register, track expenses and more.
 

 

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Cons of Cosigning a High Risk Loan - Before you cosign a loan, be prepared for the worst.

*There's already doubt about the borrower's ability to repay, because he/she needed you to cosign due to their bad credit score.

*You are equally responsible for repaying the loan if the borrower doesn't cough up the cash.

*If the borrower makes a late payment, that could also affect your credit report score.

*If the borrower files bankruptcy for the debt and no longer has to repay it, you are still liable and can be sued for payment.

 

Advice: If you are asked to cosign a loan, assume the borrower will default and first ask yourself if you are able to make every payment. If so, instead of cosigning the loan, perhaps it would be safer for you to take out the loan solely in your name, and then you sub-lend that money as a person-to-person personal loan. You will make all the monthly payments regardless if the borrower repays you. With this alternative option, you will secure your good credit (and perhaps improve scores as well). Afterall; even if you choose to be a cosigner instead, you're still liable in the event of default.

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