In a recent press release, Capital One™ announced the acquisition of HSBC’s US credit card branch. Announcement of the $2.6 billion purchase, completion of which is anticipated in the second quarter of 2012, immediately caused over a 2% jump in Capital One stocks.

HSBC, which bills itself as “The world’s local bank,” is headquartered in London, UK, and is the second largest banking and financial services group in the world, according to Forbes. The transaction, once completed, will position Capital One among the leading credit card service providers in the nation. According to the press release, “The acquisition includes ongoing private label and co-branded partnerships as well as infrastructure and capabilities that significantly enhance Capital One’s partnership platform for future growth.”

With an eye toward the future, Capital One is projecting significant returns for investors, up to approximately 25 %, as early as 2013 and is anticipating an earn back period of only four years after the completion of the acquisition. In addition, the expansion of Capital One’s credit card franchise will enhance the long-term generation of capital for investors.

On HSBC’s part, the move signals confidence in Capital One’s experience and ability in the credit card business as the completion of the transaction is nearly a year away. In the meanwhile, HSBC is assuring current card holders that they need anticipate no immediate changes to the credit card programs already in place. HSBC has stated that all HSBC card holders should be able to use their credit cards like normal. Capital One has made similar assurances that there are no changes scheduled for the near future and cardholders should expect to use their credit cards like they always have.

Looking forward to a smooth transition that benefits all parties involved, including American consumers who take advantage of Capital One’s or HSBC’s credit card services, Capital One will be offering employment positions to all HSBC’s personnel currently working for the branches involved in the Capital One acquisition.

Capital One Chairman and CEO, Richard D. Fairbank, stated, “We are very excited to work with our new retail and co-branded partners, as well as the HSBC associates who are joining Capital One. Together, we look forward to providing exceptional value and service to our new customers.”

In a recent press release, Discover® Card announced that its website has been awarded first place in Best Overall Customer Experience for prospects in the 2011 Keynote Competitive Research Industry Study of U.S. credit card marketing websites.

In a study that involved 1800 prospective customers and marketing sites of most major credit cards including American Express®, Chase®, CitiCard®, Capital One®, and Bank of America® among others, Discover Card ranked first in an impressive list of categories:

• Credit Card Satisfaction
•  Home Page Satisfaction
• Ease of Applying Online
• Design and Organization
• Acquisition Impact
• Online Adoption
• Customer Satisfaction

According to Discover’s vice president of e-business, Mike Boush, “Our customers tell us their online experience is very important, so we focus on keeping digital interaction with us easy and satisfying,”

Personally speaking, when I can visit a site, easily locate Information I’m looking for, find a means of contacting customer service, and complete my business in a short amount of time without having to put in a lot of effort, I’m not only satisfied with my experience with that merchant, but I also have a greater amount of trust in that merchant. And I’m more likely to return to the site or recommend it to friends. Perhaps the increased level of trust stems from feeling that the merchant has put a high value on both the customer and the customer’s experience.

Discover Card’s site makes it easy for me to find what I want whether it’s information on various credit cards, Discover’s savings programs, or the current cash back bonus. I can even find easy instructions on how to access my discover accounts through my mobile phone application.

Discover’s site simplifies the process of selecting a credit card by presenting the most popular cards on the home page and by providing a credit card builder to make sorting through the possibilities both faster and easier for the customer. Discover’s online credit card application process is simple to follow, and they even provide a link on their home page where a customer can check the progress of the credit card application.

The link for customer service is at the top center of Discover Card’s home page so users don’t have to hunt for it like some other websites. There is also a section of “Help & Support” links at the bottom of the home page. Easy access to a customer service link communicates to me that Discover is willing to talk with users and answer questions on whatever topic they’re concerned about. The page dedicated to customer service makes it even easier to navigate. The ease of contacting customer support is definitely a winner.

In presenting this year’s award list, Christopher Musto, general manager of the Keynote Competitive Research group, stated, “With a site that excels in promoting positive outcomes for the user, Discover won for Overall Customer Experience.”

Discover Card’s website is a site where people are certain to easily find what they’re looking for, complete their objective quickly and without hassle, and be able to contact support with any questions they might have. And you don’t have to just take my word for it…according to the recent Best Overall Customer Experience Award, the majority of 1800 other people think so, too!

In the Consumer Reports June 2011 issue, the article “House of Cards” gives some disquieting information about the outdated security technology employed by American credit card issuers. Three pieces of almost shocking information are:

• Information necessary to complete a transaction stored on American-issued credit cards is virtually unprotected.
• Technology for higher level credit card security exists and is used extensively throughout Europe and Canada
• In general, US credit card issuers have no plans to switch to the enhanced technology in the immediate foreseeable future.

It is surprising and perhaps even shocking that our country, which is a world leader in so many areas, is classed with unindustrialized nations in Africa when it comes to levels of security associated with debit and credit cards.

By 2012, one would be hard-pressed to successfully use a credit card issued in America at a bank in Europe, and they will not be accepted in China by 2015. That is, unless the technology employed on American-issued credit cards changes.

While most of Europe and Canada have embraced EMV (Europay MasterCard® Visa®) technology with its embedded chip that both stores data and transmits data with encryption, American credit cards still feature the magnetic strip that stores all the information necessary to make a transaction without any encryption. While information on a magnetic strip is easy for a criminal to access using a skimmer, the encrypted EMV data is also protected by a unique identifier that can change with every purchase. In addition to the embedded encryption of EMV cards, another level of protection is a required PIN for both credit or debit card use.

If the magnetic strip information is not encrypted, what protection do most American-issued credit cards have?

• Required PIN access numbers
• Limited or Zero liability for credit card fraud
• Rigorous monitoring activity by credit card issuers

Although many American cards require a PIN to complete transactions, the ease with which the magnetic strip information can be stolen makes them an attractive target for thieves. According to the Consumer Reports article, in 2010, 32% of American credit card users reported credit card fraud within the 5 previous years. Much of the fraud is through a process called “skimming” where skimming equipment is installed over or in a terminal such as a gas pump or an ATM. In addition to a skimmer, thieves often also install pinhole video cameras or keypad overlays to capture PIN numbers. Once the information is accessed, it can be used to create a counterfeit card or sold, usually over the internet, to other criminals.

Most American credit card issuers do protect the consumer with limited or zero liability on credit card fraud, but the process of investigation of possible fraud often takes several weeks during which the consumer is on his or her own to cover any financial obligations regardless of what has been stolen out of the account.

Although the magnetic strip is unencrypted, the American credit card issuers assure that they protect consumers by employing sophisticated systems to monitor for fraudulent activity. Chase® card states they have 1,000 personnel responsible to detect fraud. VISA touts their real time fraudulent detection system.

If the technology exists to prevent or greatly deter incidents of credit card fraud, why isn’t the American banking industry rushing to incorporate it? Essentially, the loses incurred due to credit card fraud haven’t hurt enough. According to the “House of Cards” article, merchants cover over 43% of debit card losses and over 50% of credit card losses due to fraud. In addition, merchants have to pay credit card issuers an interchange fee for every completed transaction. Sometimes these fees can be quite high, which is why some businesses don’t accept certain credit cards. Supposedly the reason for assessing the transaction fees is to help defer fraud costs.

Of course, merchants aren’t going to absorb either the fees or the losses. Those costs are passed onto the consumer. The bottom line is that credit card fraud doesn’t affect the banking industry’s bottom line enough – yet.

The cost to switch over to the EMV technology is rather staggering. Consumer Reports estimated that the banking industry expense would be approximately 2.85 billion plus an additional 310 million to install needed technology at ATM terminals. It was also estimated that nationwide merchants would spend 2.64 billion to update their payment transaction technology.

Already, large corporations in America, such as WalMart®, are installing contact and contactless readers while others, such as McDonald’s® and Sears®, are lobbying the banking industry to make the change.

Change is coming. It is inevitable. It is only a matter of time. But the American credit card industry has given no indication of how much time. Meanwhile, American-issued credit card holders would do well to know the physical location of each of their credit cards, monitor closely the charges reported on your monthly statements, be aware of anything suspicious at point of payment terminals, and have a list of your credit cards and each credit card issuer’s customer service numbers so you can easily call to report any suspicious activity on your card.

Better than doubling your pleasure® with Doublemint® gum, US Bank and Visa are set to double their marketability and the ease of use for international travelers as they reveal the FlexPerks Travel Rewards Visa Signature Card’s near field technology (NFT) that includes both Visa’s payWave chip and the EMV® (Europay, VISA, MasterCard®) microprocessor.

Technology now allows chips or microprocessors embedded within credit cards to securely communicate with point of purchase readers using a protected Radio Frequency Identification (RFID) to complete a secure transaction. Within the United States, that technology has been embedded in a chip such as Visa’s payWave or MasterCard’s PayPass systems incorporate. Because the chip contains all information necessary to complete a transaction, just like is stored on your credit card’s magnetic strip, a consumer can tap or wave their credit card within about 4 inches of the secure card reader for purchase amounts of up to $25.

Meanwhile, outside the United States, many countries are using EMV technology with their credit cards and merchant payment readers to allow consumers to quickly conduct transactions of up to $25. Visa Europe projected earlier this month that contactless credit card users in the United Kingdom alone will reach 20 million by 2012. Worldwide, it is estimated over 1 billion people use cards with EMV technology.

For consumers who travel internationally, the FlexPerks Travel Rewards Visa Signature Card making use of both technologies is an incredible benefit, making travel overseas that much more convenient and safe while still being able to use the same credit card (and continue to collect its rewards) for purchases in the States.

Not only are RFID technologies secure, the FlexPerks Travel Rewards Visa Signature Card boasts a zero percent liability for unauthorized transactions. One of the reasons banks, merchants, and credit card issuing companies have touted in developing contactless payments is a desire to help the consumer be more safe than before. As more and more merchants have contactless payment options available, it reduces the chances of large amounts of cash on the premises and increases the number of customers paying with a card. The merchant becomes a less likely target for would-be thieves, protecting the international traveler in doing so.

So whether you are in New York or London, dashing down the street to get a quick breakfast as you begin your day is a possibility. No digging for cash as you stand in a checkout line. After grabbing breakfast, jumping on a bus, the subway, or on the tube to get where you are going can be accomplished with a quick wave of your FlexPerks Travel Rewards Visa Signature Card.

The dual contactless payment chip and EMV microprocessor is currently only available in FlexPerks Travel Rewards Visa Signature Card. However, Visa and Bankcorp are planning on extending the dual technologies to additional cards within the coming year.

The end of the school year frenzy of concerts, recitals, field trips, locker clean out, yearbooks, and promotion evokes in me the desire for a simple, peaceful existence, and I welcome the long, lazy days of summer with open arms.

Realizing the kids have reached a milestone and that summer is simply the transition to another stage in their lives, causes me to reflect and re-evaluate where I am and what my priorities are. And the desire to slow down a bit and simplify grows.

The sun, it seems, has burned away the hazy lack of focus resulting from too long a winter, and the energy to pursue my personal and financial goals more diligently has returned.

But, knowing myself, my family, and the speed with which we tend to get busy or get involved, I know that whatever means I choose to employ in achieving my financial goals needs to be easy and not take a lot of time not require a lot of difficult figuring.

One discovery I’ve made that will help set me on my way to personal financial freedom is the Citi Simplicity® Card. It’s perfect for me because, like summer, it’s a lot less complicated than any other card I’ve seen, and it gives me the freedom and flexibility I want in a credit card.

The Citi Simplicity® Card has some great features that fit my lifestyle, and that I can really take advantage of as I put my financial house in order.

The Citi Simplicity® Card has the most fantastic introductory offer I’ve seen in ages. For new account holders, the card offers 0% APR on purchases for 21 months. That’s almost 2 years…and almost unheard of anymore! AND the 21 months begins when you open the account. It’s not some offer that started 3 months ago where you would lose out on three of the 21 months. The 0% starts when I start, and I like that!

Not only is there 0% interest on purchases for 21 months, the same is true of account balance transfers. That’s also a thing of the past…to have 0% interest on both purchases and balances transfers for 21 months. Incredible! I feel like a low-budget, tv commercial because I have to say, “But wait! There’s more.” I have four months from the day of opening the account to complete my balance transfer and still take advantage of the zero percent. That means I don’t have to make all the financial decisions upon opening my new account. Citibank sure makes it simple!

Like most credit cards, the Citi Simplicity® Card does charge a fee for balance transfers – $5 or 3% of the amount of transfer, whichever is greater. Once the introductory 21 months is over, the standardAPR (Annual Percentage Rate) applies.

Besides the introductory rate, Citi Simplicity® Card does not charge an annual fee. (I’ve made it a policy not to apply for cards that charge an annual fee because there are so many credit cards out there that no longer do.) In addition, the Citi Simplicity® Card doesn’t charge late fees and won’t hike the interest rate if you miss a payment due date or go over your credit limit. Not that I intend to do either, but with summer comes family reunions and vacations, and, although it doesn’t happen often, I’ve been known to be late on payments if I’m traveling. The promise of no repercussion in the event that happens is another plus in my book.

Citi Simplicity® Card is simple. To qualify, I have to have an “excellent” credit score. There’s not a lot of red tape. There’s not a lot of fine print. I like that. And if there’s ever anything I don’t understand, Citi’s customer service is available 24/7 and is manned by people, not just a machine, so I know I can get my questions answered.

With the Citi Simplicity® Card, I’ll transfer my higher interest balances and then I’m set to kick back and enjoy the long, lazy days of summer while I work on paying down my debt over the next 21 months of zero percent interest! And I’ll enjoy our family trips more knowing that I can take some time paying off the expense of our vacation without incurring any additional costs.

There’s a lot that can be said for making things simple!

The company that developed the world’s most powerful and versatile search engine has teamed with Citi® MasterCard® , accepted world-wide, and Sprint™to put a world of power and choice into the hands of the people.

Google recently announced both the launch of “Google Wallet” in test markets this summer as well as plans for rapid expansion.

The new application is exactly what it’s name implies, a wallet. Its purpose is to make your life simpler and more organized. The Google Wallet application has the ability to store just about everything you would normally find in your wallet or that you would need for checkout at your favorite retail location, and that storage is much more compact and organized. Everything from credit cards to coupons can be stored and accessed through Google Wallet, and plans are that in the future Google Wallet will be doing even more, like storing tickets for sporting events or concerts.

Using your Android™ phone, initially a Nexus S 4G but soon to expand to more phones, it is possible to make purchases wherever MasterCard’s PayPass® technology is accepted by just tapping your phone on the point of sale terminal sensor. Not only is the near field technology (NFC) housed in your Android phone and accessed by the Google Wallet application able to combine and allow you to make purchases, but Google Wallet has the ability to allow you to use coupons, gift cards, and local savings offers. Imagine upon checkout from a retailer, accessing your special offers to receive valuable savings without having to search through a messy pile of paper coupons!

Besides Citi MasterCard, Google Wallet can immediately be used in conjunction with a pre-paid card offered by Google. The company plans to expand the ability to use other credit cards in the near future as more banks are brought on board. This, of course, will mean that even more retailer merchants will accept payments made suing Google Wallet.

Technology is great and sure makes our lives easier, but aren’t there risks involved with storing all your credit card or other sensitive information on your phone. The developers of Google Wallet have built in safety measures that include both an application specific PIN and a separate chip within your Android phone on which your encrypted information is stored. That means memory associated with the Google Wallet application is completely, physically separated from your phone’s memory for items such as contacts, messages, videos, photos, and the like.

Year after year, Google’s addition of exciting new options has continued to take the company way past the status of just being the world’s most powerful search engine. This summer’s addition of “Googling it” with Google Wallet gives you power to take care of purchases, bills, and other financial obligations in the most convenient and flexible way possible so you have more time to relax and enjoy the sunshine.

Thinking about a new credit card? Now is the time to check out Citi! Three great offers expire at the end of May so there’s no time to lose.

Although CitiBank Platinum Select® MasterCard®, Citi Diamond Preferred® Card, and Citi Dividend Platinum Select® MasterCard have some basic similarities, there are differences between them so you can choose a card tailor-made to fit your needs.

Here’s the breakdown.

Citi Dividend Platinum Select MasterCard

• Excellent Credit Rating for Approval
• No Annual Fee
• Great 0% introductory APR on balance transfers and purchases for 15 months
• Amazing continuing cash back bonuses including 2% cash back bonus on all purchases made in the first 6 months and a 1% bonus on all purchase after that.
• Using the online Citi Bonus Cash Back Center, you can average 5% unlimited cash back on purchases from over 400 retailers.
• Cardholders can enroll in in a special, rotating category each quarter for a 5% cash back bonus. Until June 30, that category is home improvement, home furnishings, and home and garden stores. (Obviously, the perfect choice for the clean it up, fix it up, spruce it up time of year!)

Summary: Citi Dividend Platinum Select MasterCard has great introductory 0% offer and a fantastic cash back program that continues as long as you use your card.

Citi Diamond Preferred Card

• Excellent Credit Rating for Approval
• No Annual Fee
• Incredible 0% introductory APR on balance transfers and purchases for 21 months
• Private Pass offers cardholders special discounts and VIP packages for shows, dining, sporting events and other attractions.
• Cardholders have 24/7 access to concierge service that will book flights, hotel rooms, car rentals, as well as purchase event tickets and make restaurant reservations for you.

Summary: If you’ve got a busy life-style and love to travel, go to the opera, catch a play, or enjoy a nice, quiet dinner in a fine restaurant…or if you just need last minute help because you forgot to plan something for an anniversary or birthday…this is the card for you! The fantastic introductory 21 month 0% APR will allow you to take that dream vacation now!

CitiBank Platinum Select MasterCard

• Excellent Credit Rating for Approval
• No Annual Fee
• Incredible 0% introductory APR on balance transfers and purchases for 21 months
• $0 liability for unauthorized purchases
• Automatic enrollment in the Citi Extra Cash program that credits you 10% of your total eligible purchases in “Extra Cash dollars.” Login to Citi’s Extra Cash Website to redeem your Extra Cash dollars for coupons for dining, shopping, or entertainment. You can also use the Extra Cash dollars for discounts on hotels, car rentals, cruises, and activities.
• Low Price Guarantee on purchases made through the Extra Cash site.

Summary: The outstanding introductory 0% APR offer for nearly two years is an excellent way to finance a large purchase such as new living room furniture or to pay down debt. Continuing to use the card for everyday purchases reaps benefits that are easy to take advantage of online at the Citi Extra Cash Website.

With three great offers that won’t last much longer, you’re sure to find one tailor-made to help you meet your financial goals and perhaps even achieve your dream be it a vacation, new furniture, an upgrade in your electronics, or a backyard makeover! Don’t wait to take advantage of CitiBank’s amazing credit card offers. The clock is ticking!

According to MSN Money, approximately 75% of Americans are receiving an income tax refund. The IRS states that the average refund is $3129, which is a much higher average than even a decade ago.

So what is the average American doing with all that extra cash? Surveys conducted by the banking industry indicate a good share of Americans plan to save their tax refund while a smaller percentage will use their refund to pay off debt. The majority of Americans, however, tend to view their income tax refund checks as a sort of windfall and plan on spending the cash.

Considering the depressed, or a least extremely recessed, economy of the last few years, it’s not surprising that many Americans are contemplating sticking a little cash away for a rainy day. In fact, many financial gurus suggest that every family should establish an emergency fund with enough easily accessible cash to cover at least three to six months of living expenses. Investing in short term CDs or a money market account would make the funds available should an emergency arise. A refund check for over $3000 would be a good beginning to establishing an emergency fund and significant peace of mind just in case the economy is not out of the woods yet.

Some Americans aren’t ready to put their refund checks into savings just yet. Having been hit hard by job loss or job reduction or other economy driven factors, a sizable percent of the American population has racked up more consumer debt than any previous time in history. The banking industry survey indicates that 19% of Americans intend to use their tax refunds to address debt. A loud cheer went up from financial advisors across the country at this news!

Financial counseling centers suggest one of the best approaches to establishing or re-establishing firm financial footing is a systematic approach to paying off debt. Although people may be tempted to spread that tax refund out to pay part of the doctor bills, part of a loan, and part of a couple credit card bills, many advisors, say the most effective way to get out of debt is to focus all of your additional payments on paying off your smallest bill first. Then take the normal monthly payment from that paid debt and add it to the normal monthly payment of the next smallest debt, continuing in that pattern until you are debt free. Addressing the smallest outstanding balances with a 2010 income tax refund is a great way to get a jump start on being debt free!

Surprisingly, a large number of people electing to spend their refund rather than save it or use it to pay bills have also cited the recent economic conditions as the motivation behind their decision. Tired of the tightening the belt posture, these Americans tend to view the refund check as a kind of bonus money. Projects that have been put on hold until times are better or larger purchases that have been too expensive for the normal budget are likely targets on which to use the cash returned by the IRS. Other Americans are tempted to take a break on a vacation that they otherwise wouldn’t be able to take.

If you are one of the majority of Americans planning on spending that nice refund check, a little research could help that money go a bit farther. Now might be the time to consider applying for a rewards card that will stretch your refund. Whether you are a do-it-yourselfer or plan to hire a contractor to start that remodel, add on a new deck, construct a shed, or build a pergola in the backyard, check out credit card offers that have a additional cash back on special categories that rotate throughout the year. Discover® Card, Citi® Platinum Select® Dividend MasterCard®, and Citi ThankYou℠ Card are all offering 5% cashback on purchases from home improvement or lawn and garden stores through the end of June.

In addition, many card companies offer from 5 to 20% additional cash back incentives when you connect to retailers through the card’s website. For instance, Chase Freedom® Visa does as do some cards offered by Discover Card or by Citi. Most card companies offering online shopping have over 600 participating retailers. Not only can you order home improvement materials, this is a great way to purchase new computers or other electronic equipment or upgrade the systems you already own.

If you’re planning to use your 2010 income tax refund to get away on a much deserved and needed vacation, Delta has teamed up with American Express to offer new customers some pretty enticing incentives. Along with other benefits, the Gold Delta SkyMiles® Credit Card from American Express® gives customers the opportunity to earn 15,000 bonus points within the first three months of opening an account, and with the Delta Reserve Credit Card, you can earn 10,000 Medallion® Qualification Miles with your first purchase. Delta SkyMiles can be used to purchase airline tickets, hotel rooms, car rentals and more, allowing you to play just a little longer!

Perhaps the biggest ‘between the lines’ news in America’s response to the question, “What do you plan to do with your refund?” is that, in general, people are beginning to feel more positive and hopeful about the economy both now and in the months ahead. So go ahead and enjoy that “bonus money” whether you decide to save a little, pay a little debt, or spend a little!

Average Credit Card Debt By City & State

PlasticRewards presents an infographic of the average credit card debt by city and state. See where your city and state rank nationwide.

Spring has finally sprung, and if you are itching to shake off those winter blues with a little bit of travel, you definitely will want to check out the new British Airways Visa Card offered by Chase Bank.

Never had a Chase credit card before? You won’t want to pass this one up! Not only does the British Airways Signature Visa credit card offer incredible reward miles normally, it’s extremely easy for the first time account holder to earn enough bonus miles in the first three months to receive two free transatlantic flights – roundtrip, of course!

If you apply by May 6, Chase is offering 50,000 bonus miles for your first purchase with the British Airways Visa Signature Card and another 50,0000 miles after $2,500 worth of transactions within the first three months. That’s on top of the normal 2.5 British Airways miles you earn for every $1 you spend on British Airways purchases and the 1.25 BA miles you earn whenever you use the card on anything else. Plus, applying for a new card will automatically enroll you in British Airway’s Executive Club, allowing you to significantly increase the number of frequent flyer miles you earn based on their three-tiered program.

In addition to the regular British Airways miles you earn, every year you spend $30,000, you will receive a companion travel voucher that will allow you to anyone with you on the same flight in the same class of service you are flying in. Thirty thousand dollars seems like a lot, but if you run everything like utilities, gas, phone service, and groceries through your British Airways Signature Visa, it adds up fairly quickly. Two free roundtrip tickets to Europe, one from British Airways miles and the other with the companion voucher, makes transatlantic travel extremely do-able.

Concerned about the inconvenience of international travel? British Airways has teamed up with American Airlines and Iberia to give the consumer more: more than 400 destinations, more convenient connections, and more schedule options. In addition, British Airways Visa Signature cardholders are eligible for BA miles on American Airlines, Iberia, and 9 other “Oneworld Airline Partners.”

Once you’ve reached your overseas destination, use the Chase British Airways Visa card without worry because there are no foreign transaction fees that consumers are often surprised by after using other credit cards while traveling internationally.

Chase Bank’s newest Visa card does have an annual fee of $95. Its 14.24% variable APR is on the high side of average, but the benefits offered seem to outweigh the annual fee by, well, the value of at least two roundtrip tickets to Europe.

If you have excellent credit and travel frequently or want to begin traveling more, the British Airways Signature Visa card has great travel rewards, and the new cardholder incentives are definitely worth taking advantage of. Traveling internationally has never been so easy! Be sure to act before May 6, 2011 to take full advantage of this limited time offer.