How bad your credit rating
Your credit is bad. Successful String Accounts Payable List
You have declared bankruptcy within your past 10 years or maybe 10 years
Failure of a student loan.
Leading Credit Card to gain access to blocks on all,
Visa and Mastercard etc.
However, bad credit is not the only reason you can refuse major credit
card. Some people have never used credit. Someone who likes payment
Cash only, take out university loan, never loaned a car, or
Mortgage credit zero experience. In that case, most cards
Do you want to apply for corporate rejection, or bad debt-
But because I do not have a credit rating.
Many women marry young and do all the borrowing under their husbands
Names often find themselves with no widowed or post credit rating
Thousands of divorced women are denied loans and credit cards
Its grounds.
Yet others carry too much debt to consider good risk. if
You have a car loan, a student loan, a mortgage, two or three-out card,
But it is another card to be granted.
However, in all the above cases, you can still get a credit card.
No matter how bad your credit, and if you have declared bankruptcy,
You can still grant high restrictions as a visa or mastercard
$ 5,000, if you know the writing company to call, and how to make you
Apply.
How we are trying to reveal these card companies
First of all, let's talk about this report after you get VISA or Mastercard
Some things need some attention to others about some cards,
Including annual dues, interest rates, credit reports and more.
Your credit rating
How Credit Card Companies Decide Whether Good Credit Risk Or Bad
Credit risk? Well, it's like a brother. There are several
Large US agencies that track corporate borrowing and purchasing behavior
Almost all single Americans who owe money at once or
one more
There are three major credit rating agencies:
Et Equifax, Trans-Federation Company:
When you send by credit card application, the card company
Contacts of the above agency pulls out the file if it exists,
And let's know the company if you have bad debt in your background.
There will never be borrowed money or credit and your name
It does not appear in any of the above databases. If you have,
It is almost certainly information about you. If you ever have a default
Walking away from the building or debt, the information will be available.
If you have never defaulted, but are often late
Payments, too, are recorded and violate your credit rating.
25% error rate –
This band's older brother is the mark, it means that you want to be the largest in Tokyo.
Scary is a large anonymous corporation
File to you, that's true. In addition, they share your files
Any lending institution that wants to know something about you. that is
The price you pay to get credit. You are not "heard the sentence"
There is no such thing as free lunch. "When it comes to the game of credit,
Lunch is definitely not free, in a financial sense or not
The area of personal freedom.
Top things off, credit agencies make many errors, from one to fourth (25
Percent of all reports). False information about you at this point
There is a loss of confidence rating.
As a function of the credit rating error of the check
Provided above. Send me a letter of sending
Ask for a copy of your credit report. They will send you a copy
They are information about you.
Now let's see how a card company makes a fortune-interest rates.
Tsutsutsu Tsuitsu.
There was a law for charging types of interest decades ago
Get a rate credit card today. Outrageously high interest rates have been called
"High interest" and prohibited by federal law. Just 30 years ago lending
Twenty percent of the money will land every banker in jail. Such charges
It was the territory of Lone Shark and organized crime.
Today, however, it is a standard business. Charge for some cards
Some product manufacturers, like 21% Apple Computer,
What a 23% push credit plan.
Most credit card companies attract customers with ultra low interest rates,
Sometimes as easy as 5 percent. But what they tell you with only fine
Print, few people bother to jump that interest rate to read it
I will back up after six months. Many cards to start you at six percent soon
Jump to over 18 percent By that time, most people have choked up
I am stuck with balance. Mostly
Increase Credit card companies count on it. Who likes what they take
Interest in the details. If not seen, they see it,
Soak it in your wallet-and the cunning way.
No annual fee card
This card was used by a credit card company for a fee-free 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 the annual fee. you
You might think this is a better deal. Not in most cases.
Cards without annual fees almost always have high interest rates. You
Leaving the monthly balance, you always pay more than the annual fee at
Interest. Only if you can not leave your unpaid monthly balance
You benefit from not forming cards with no annual fee.
Benefits and giveaways
One of those humble ways offers benefits such as miles
Or annual rebates. So often use the card and often get an X amount
Flyer-Miles Use your card and get credit towards purchasing
It's a car Is this a good deal? As you can imagine,
The offer of rebates and gifts is simply an induction for you to pay the super.
High interest rates. You are a big spender and unless you travel a lot you
Rarely do not benefit from this type of promotion.
Annoying thing
Compare short Sai Credit cards. It's tough.
It's around Credit card companies are just as competitive as any other kind
business. It means widely changing interest rates. In general, never
Go for cards that are 5 percent higher than the current prime rate.
How to get a lower rate
What if you're already on the hook with your major credit card
The rate of pain of interest? Pick up your phone, call your card company
Get tough In most cases, if you want lower interest rates, you get one-
It is as easy as that.
And further incentives, can be threatened transfer balance separately
Lower rate card company. Many card companies are more than happy
To take you as a customer by paying one of their competitors
You are, of course, indebted to them. If you scored, it's fine
Lower interest rates.
How can i get credit card
What about your "hopeless case" now? If you have
Sad credit, or no credit rating at all. You already
Refused by half a dozen card companies. What can you do?
First of all, you need to think about why you have a long and hard credit card
First place. If you have a bad credit history, you have a credit card
The last thing you need. Many people feel credit card and debt
They lead people to be a modern form of slavery.
Credit cards are almost magically unreliable and invite you. They get in
The lever that enables the deepest psychological lever-the human heart
People sometimes have the feeling that they are getting something for freedom
In fact, they are paying ten times, three, four or two as much as possible for that
Products for the interest they pay on each purchase.
On the other hand, I do not have a credit card
Practical in modern America. You can not borrow a car without a credit card.
It is dangerous to carry cash. Checks can not be accepted anywhere-and
Traveling to another city or country is
Confidence and identity credit card
Secure card
If you really need a credit card despite your past
The credit card in question is a collateral credit card called credit.
Those who claim bankruptcy will also receive a protected card.
One of the destination as a lump sum to pay to work guarantee
Usually $ 200 to $ 2,500 on your bank or card company itself. this
Card companies grant your credit for up to 150 percent
The amount of your deposit. If you pony up $ 500, you will be awarded $ 750
Credit line. If you put $ 1,000, you get $ 1,500 in credits, and so on
on
You will also receive 4-5% interest on your deposit.
Held as collateral by your bank or card company. Deposit money
Act like a buffer for lenders. Default to your card at the event
There is a debt lender. They can still suffer a net loss,
But the danger is much less.
In addition, the interest you get in your deposit will be offset
If you have an interest in your monthly balance. If you get safety
With an 18% interest rate on the card, you can feel good about the facts
Your prepayment has earned 5%.
Which card company has a collateral credit card next:
Citibank-The lowest deposit earns $ 300, 4%.
Call: 800-933-2484
Central Government Savings Bank-The minimum deposit is $ 250, you get 2.5%. call
800-285-9090
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