No matter how bad your credit rating
Your credit is bad. Successful list of accrued character strings
Your past declared bankruptcy, probably within the past 10 years or so
Default of student loan.
A major credit card which gains access to the block on all,
Visa and master card etc.
But bad credit is not the only reason you can refuse major credit
card. Some people have never used credit. People who like payment
Only cash, take out the university's loan, never financed a car, or
I trust the experience of zero mortgage. In that case, most cards
Will it be an application for business rejection, or bad debt -
However, it does not have a credit rating.
Many women married young and do all borrowing under their husbands
Names frequently find themselves without widowed or post credit ratings
Divorced women are refused thousands of loans and credit cards
That grounds.
Yet other people carry too much debt to consider good risk. if
You have a car loan, a student loan, a mortgage, a few, three - out cards,
However, it is another card to be awarded.
But in all the cases above, you can still get a credit card.
No matter how bad your credit, and even if you declare bankruptcy,
You can still grant high limit as Visa or Mastercard
$ 5,000, if you know the burning company to call, and how to make you
Apply.
How we are trying to reveal these card companies
You can get VISA or Mastercard Let's start with this report first
Some things need some attention to some other things Cards,
Including annual fee, interest rate, credit report and more.
Your credit rating
How the credit card company decides whether it is a good credit risk or bad
Credit risk? Well, it is like an older brother. There are several
Large scale institution in America to track borrowing and purchasing behavior
Almost all single Americans borrowing money or at once
one more
There are three major credit rating agencies:
E Equifax, Trans Federation:
When you send with credit card application, the card company
The agency contacts above will withdraw the file if the file exists,
Let's know the company whether you have a bad liability in your background.
Never borrow money or credit, your name
It is not displayed in any of the above databases. If you have,
Almost certainly information about you. If you have defaults so far
Walking away from buildings or debts, that information will be available.
If you have never defaulted, but you are often late
Payment is recorded, too, contrary to your credit rating.
25% error rate -
This band is the biggest class in Tokyo, where the older brother is a landmark.
Scary, it is a large anonymous corporation
A file to you, it is true. In addition, they share your files
Any lending institution you want to know about something about you. that is
The price you pay to gain credit. You have not heard the sentence, "
There is no such thing as a free lunch. "When it comes to a credit game,
Lunch is in a monetary sense, or not, it is definitely not free
An area of personal freedom.
To top things off, credit institutions make many errors as from 1 to 4 (25)
Percentage of all reports). At this point, false information about you
The rating for self-confidence that will be impaired.
As a function of check credit rating error
Provided above. I will send a letter
Asking for a copy of your credit report. They will send you a copy
They are information about you.
Let's see how the card company now makes a lot of money - interest.
Twitchy knick.
There was a law on charging for the kind of interest of decades ago
Get rate credit cards today. A tremendously high interest rate was called out
"High interest" and was prohibited by federal law. Just 30 years ago rental
20 percent of the money will land every banker in the prison. Such price
It was a territory of loan sharks and organized crime.
Today, however, it is a standard business. Fare for some cards
21% Some product manufacturers like Apple computers,
A push credit plan of 23% what!
Most credit card companies attract ultra low interest customers,
Sometimes as simple as 5 percent. But what they tell you with only fine
Print, a few people bother to read that interest rate jump
I will back it up in six months. Many cards that will immediately start you at 6%
Jump to over 18% By that time, most people upchoked
I am stuck with balance. Mostly
Increase. Credit card companies count on it. They like people who take what
Interest in detail. There are cases not seen, and when they see it,
Soak it in your wallet - and in the most cunning manner.
Annual membership fee card none
It is a card that was used by the credit card company for a free fee - annual fee.
The annual fee ranges from $ 18 to $ 55. You simply pay it every year for
Privilege to use the card. Other companies do not meet annual fee. you
I think that this is a better deal. In most cases it is not.
Cards without annual fee almost always have high interest rates. I will.
You will always pay more than the annual fee with a monthly balance
Interest. Only if you can not leave your outstanding monthly balance
You benefit from forming cards with no annual fee.
Benefits and prizes
One of those cunning ways is to offer benefits like mile miles
Or annual rebate. So use frequent cards, frequently get X amount
Flyer - Miles Use your card and get credit toward purchasing
Is this a good deal? As you can imagine,
Rebate and gift offer is simply a guidance for you to pay the supermarket.
High interest rate. You are a big squander, unless you travel a lot, you are
In rare cases it does not contribute to this type of promotion.
Something noisy
We will compare until a short rhino credit card. Small tits.
The surrounding credit card company is competitive just like any other kind
business. That means widely changing interest rates. Generally, never
I am going for a card that is five percent higher than the current prime rate.
How to get a lower rate
What if you already have a hook with the major credit card you have
The rate of distress of interest? Pick up a cell phone, call your card company
Get strict. In many cases, if you want low interest rates, you will get one -
That is as simple as that.
And further incentives, possible threats by transfer balance
A lower rate card company. Many card companies are more than happy
To pay you as a customer by paying one of their competitors
Of course, you are indebted to them. If you score, that's okay
Lower interest rates.
I can get a credit card card
What about your "desperate case" now? If you have
Deplorable credit, or at all credit rating. You already
Refused by a half dozen card companies. What can you do?
First of all, we need to think about the reasons for long and hard credit cards
First place. If you have a history of bad credit, you have a credit card
The last thing you need. Many people feel credit cards and debt
They lead people to be a contemporary form of slavery.
Credit cards are almost unreliable like magic and invite. They get in with
Lever that enables the deepest psychological lever of the human heart
People sometimes have a feeling they are getting something for free
Indeed, they pay ten times, three, four, two as much as they can
Products for the interest they pay in each purchase.
On the other hand, I do not have a credit card and it is getting low
Practical in modern America. You can not borrow a car without a credit card.
Carrying cash is dangerous. The check can not be accepted anywhere - and
Traveling to another city or country,
Confidence and identity are credit cards
Safe card
If you really need it and you do a credit card despite your past
It is a credit card of collateral called a credit of the problem.
Persons who declare bankruptcy are also granted protected cards.
One of the earlier as a lump sum payment to guarantee the operation
It usually ranges from $ 200 to $ 2,500 to your bank or credit card company itself. this
The card company will grant your credit for up to 150%
Amount of your deposit. If you are up for $ 500 ponies, $ 750 will be granted
Credit line. If you place $ 1,000 you get $ 1,500 with credit and it will be like that
on
4 - 5% interest also in acquiring your deposit
It is held as collateral by your bank or credit card company. Deposit money
Buffer-like acts for lenders. Default on your card at event
There are debt lenders. They may still suffer a net loss,
But the danger is much less.
In addition, the interest you get with your deposit offsets
If you have any interest in the monthly balance. If you get safety
With a 18% interest rate card, you can feel good about the facts
Your prepayment has earned 5%.
Which card company is the following credit card collateral:
Citibank - Minimum deposits earn $ 300, 4%.
Call: 800-933-2484
Central government savings bank - the minimum deposit is $ 250, you get 2.5%. call
800-285-9090
Orchard Bank - Minimum deposit is $ 400, pay 4% calls 800 - 873 - 7307
Key Federation - Minimum deposit amount earns $ 300, 4% to 5%. call
800-228-228-230
Bank of India - Minimum deposit is $ 200, getting a 5%.
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