Everyone knows of the numerous credit-related acts which are Federal Laws, protecting the financial rights of a consumer. Some of them allow customers to make credit deals irrespective of their age, marital status, religion and race. Others require lenders to disclose all the terms straight off in the credit card application form.

Still other acts provide for a fair treatment of your consumer rights when you decide to file a dispute with the issuing company or bureau. All of these acts are certainly familiar and quite common to holders, with one exception maybe.

Have you heard of the Federal Law - Equal Credit Opportunity Act - that protects the credit consumer rights of sexual minorities? But it is true. Visa International, the world's payment giant, has made an agreement with the largest lesbian company Olivia and is providing its customers with the cards best suiting their specific needs and interests. Lesbians and gay men have become an integral part of the present day society and the easy access to credit cards makes their interaction with common people and institutions much smoother and mutually beneficial.

Lesbians and gay men have become an integral part of the present day society and the easy access to credit cards makes their interaction with common people and institutions much smoother and mutually beneficial.

So, what are the benefits of these affinity cards from Visa that allow sexual minorities to feel integrated with the most successful card users in the USA and UK?

First, these are typical rewards credit card products that offer points for the dollars you spend. The poll proves that no matter how peculiar the consumer category is, there are many customers who take rewards points as the basic criteria when choosing a new card.

In this respect, these particular credit cards rank among the best offers out there on the market. If a lesbian or a gay man decides in favor of this bank deal, they normally earn a point for $1 spent and as they accumulate a sufficient number of points, they can redeem the points for most appropriate services or merchandise.

But the best thing about the point rewards feature is that a holder can redeem for Olivia dollars - the best tool to pay for Olivia trips or even whole vacations. This deal provides its customers with the opportunity to travel and enjoy discounts on the best resorts where lesbians and gay men have their vacation..

And that's not all as far as rewards are concerned! The points collected with Olivia card can also be redeemed for airline tickets or cash back which are so popular among all consumer categories, whether you are a businessman, a student or a housewife.

Credit cards from Olivia company carry different interest rates, depending on the credit score of the applicant, so if you are sort of irresponsible borrower, you will be charged a higher APR which is up to 13.99%.

What's more all the basic rules advanced by the credit industry are applied to these Visa cards, so you shouldn't expect some extraordinary privileges, except if you are a very valuable customer for your bank. By the way, those, searching for this affinity credit card, can look at what Bank of America offers.

Now, what do some people say? We've mentioned that this deal belongs to the affinity type credit offers which are usually said to be effective tool to cut through the market. They say such applications target customers with special interests and create a good customer base by offering special programs.

Some experts call it predatory practices by companies that look for potential clients among those who do not qualify for a regular card.

It's rather difficult, though to apply this conclusion to Olivia credit cards as up to now they have been rather competitive on the market. It's up for would-be holders to decide whether it is worth a deal.

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