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Credit Card Questions That Are Most Often Asked By Customers
More than 200 million Americans use credit cards, creating trillions of dollars of debt, but not everyone knows the seemingly simple things about them. Credit card questions remain relevant for many years, even among those who already use them. However, they are most topical for those who are only going to have a first credit card. Here we have collected the most common credit card questions that Americans often ask. Read on to get answers and use a credit card as efficiently as possible and with minimal loss for you. How to apply for a credit card? If you are just going to register your first credit card, then you need to contact its issuer. Now it can be done more than ever by going to the website of the lender of your chosen credit card. If you have not selected a credit card, use the credit card comparison website, which describes various offers from lenders. Also, if you are already cooperating with any bank, you can contact your bank, perhaps they will be able to offer you a suitable option of credit card for you. However, even in this case, still consider the different proposals in order to choose the most advantageous. To apply for a credit card, you will need personal data, documents proving your identity and social security number, as well as information about your income and expenses. Can I get a credit card if I have no credit history? This is one of the frequently asked credit card questions that excites new users, especially young people who are just starting adulthood and do not yet have a credit history. Of course there are such options, otherwise it would be impossible to start a credit history, but you will have to look for a suitable option. Not all lenders work with borrowers without a credit history, and many of those who do it offer high interest rates and more stringent conditions. But, there are quite acceptable options, just make an effort to find them. You can also make a security deposit, which will act as a safety net for the lender. How are credit and debit cards different? Debit cards, unlike credit cards, do not lend you funds; you can only use your own funds that you deposit on a debit card. Credit cards provide you with a credit line, thus lending you money. This means that when using funds on a credit card, you will have to pay APR to lender, that is, annual interest rate for using credit money, while no interest will be charged on using a debit card. Each of the two types of cards has its pros and cons, but if you want to build your credit, you will need a credit card. How old should I be to get a credit card? Lenders require that a standalone credit card user be an adult, who reach the age of 18 years. At the same time, it is possible to become an authorized user of another person’s credit card if you are fewer than 18, such as your parents ’credit card or other adult family members. To do this, you must have a good relationship with this family member and mutual trust and responsibility.
using-funds-on-a-credit-card How many credit cards do I need to build my credit? Credit cards are the creators of one of the largest US debts, so you should carefully approach this issue. While you are not sure that you will have enough money to pay off your debts, try to use one credit card at the beginning. Some people use two, three or even more credit cards, but this is a dangerous game, especially if you are not very good at controlling your spending. It is necessary to keep track of your expenses to avoid late payments; otherwise you will have to pay not only interest, but additional fees for late payments. Often, this leads to a rapid increase in credit card debt and it becomes unmanageable. Your credit rating also suffers, because for each late payment, a credit score decreases. This is very important one of credit card questions, because a fairly high variable interest rate on credit cards will quickly increase your debt. Keep in mind that for building your loan it is desirable to use different types of loans, but not just credit cards. This will enhance your chances of building a prosperous future and reduce your risks of getting into big debts. How long does it take to approve a credit card application? Often, the approval period will depend on your credit rating. If you have a great credit, it can happen instantly, but if you do not have a credit or it is damaged, then you will probably have to wait a while. It is individual. What is “pre- approval” of credit card? Credit companies are constantly looking for new customers, so they can make offers for people with a positive credit history, sending them previous approval of a credit card. They conduct a credit check and inform you that you can get their credit card. What is a credit card balance transfer? This is one of the credit card questions, the answer to which can help solve some problems. Balance transfer occurs between credit cards of different lenders, when you decide to transfer your debt on credit card to another that has better conditions. With the help of balance transfer, you can save money on the interest rate, since many credit companies offer attractive interest rates for new users for a certain period. Often, the APR can be as low as 0% during the first year when the balance is transferred. What is cashback and can I get it on a credit card? Many credit cards issuers offer various rewards programs for their clients when certain conditions are met. This is done to attract customers in a highly competitive market. Cashback is a certain percentage of the money you spent with a credit card, which is returned in a certain form as a reward. Bottom line In fact, users are concerned about many credit card questions. Here we gave examples of some of the most common ones that people most often ask. If you are going to open yourself a credit card, then you should learn as much as possible about credit cards. You can find useful information on this topic in our financial blog, and you can also get answers from our experts by simply writing to us. Read the full article
A Dozen of Reasons Why Your Credit Card Application Could Be Rejected
Being allowed to receive a bank card you get an instant notification, but if things go south the procedure changes. Charge institutions are unlikely to inform your Visa request is turned down alternatively, give an adverse notification during 7-10 working days explaining the reason. A failing notice is supposed to deliver the cause of disapproval, and moreover, to render an example of the original call. One may probably find an anticipated solution to the problem below. So instead of wondering, getting lost in thoughts and rethinking credit experience shouldn’t you start looking for the real cause of rejection? Did you have any debts in your background? Your past debt can become a substantial obstacle on the way to receive a loan. So if there are still any left, your paying ability can be called into a question. The most successful way to raise your chances is to pay off all the indebtednesses before trying to make credit card application the next time. An existing balance is raised over an appropriate amount. Most companies tend to trace certain manipulations from a particular account. In such a case, the usage of the card to the fullest extent isn’t the best idea at all, the same as almost not to use it. You should steer a middle course with approximately 30% of the remaining sum in order to increase the likelihood of success. The amount of requests in your report exceeds fixed limitations. Do not proceed to obtain the card so quickly. Don’t make several requests simultaneously. Regardless of the fact whether you have been accepted for getting a card or not. According to the legislation, you can submit credit card application plenty of times. As far as slow and steady wins the race, make sure you have minimized the percentage of potential attempts.
make-sure-you-have-minimized-the-percentage-of-potential-attempts You don’t earn enough living. The eminent is commonly empowered with the proxy to evaluate the content of your established salary in order to give you a credit card. The money you make need to correspond to the card’s limitation that you request. The profit demands aren’t reputed, so you are going to decide the sum on your own. How many cards do at your disposal now? The fact you have exceeded the standard can impede you from having the next one. As far as the amount of card statement is not limited, the eminent is going to make a decision on his own. One more thing that can stop you from having a card is a collection or public document. This factor loses its force as time passes, but it also can become a weak point showing up in your report. It can make the company hesitate if your income corresponds with your needs. So make sure you do not have such a problem. Do you have an expiration in payment? Delay in the statement isn’t the only issue to deal with, the time when you have been expired also matters. You’d better look through your recent payments more precisely, cause the long-standing delays do not play a key role. Credit issuer pays more attention to the exact date of expiration. For instance, three-month late payment can decrease the chances significantly, while several years delinquency won’t be harmful in any way. Oops! A charge-off was noticed. The further problem you can face while you prepare to receive a card is a debt on your card after you've missed payments for throughout a specific time period. The applicant should not have a delayed bill at least for half a year. Inability to cover the sum most likely will negatively affect the chance of getting a checking account. A long-term relationship with crediting can come in hand, so an experienced applicant has more plausible chances. The fact that you had a lot of credits before or didn’t have any at all can become a tricky issue. You need to have at your disposal single working account during the past half a year, which forms the basis of the credit card application. In this manner, a candidate will ensure his credit solvency. Before sending credit card application make sure that you have a secured card or student card. Are you an adult? If you are not of the full legal age a candidate is going to face certain problems. He is likely to get a refusal still, some chances to have a credit card remain. Having a job and getting a constant income is likely to make the procedure easier. Having an authorization on your relative’s card is also going to increase your chances. The entry form is filled in the wrong way. Proofread your entry form precisely again. Has all the necessary details and facts been included? Does your credit card application have several minor mistakes? Such crucial data as birth date or your current place of living is very important. In such a case, you’d better fill the entry form online. Therefore, you’ll not be able to send an entry form unless all the necessary information is filled in, so you can be sure the data is written in the right way. Have you had enough working experience? A permanent job is a factor that demonstrates a person’s payment capacity. Unemployment proves the opposite. Recruitment period doesn’t guarantee employment as well as it isn’t evidence of your payment ability. Issuers are going to make sure the job is stable and the applicant is employed. Make sure your recent credit story is appropriate for getting a card. If you’ve got a rejection letter you will probably get the instruction on how to get a copy of your report with a precise explanation of what you did in a wrong way. Examine the information you’ve got carefully and look for any kind of mistakes mentioned above. If you are over 18 years of age person, with a needed sum of monthly income, the credit balance is appropriate and your credit history is not too limited, there is absolutely nothing that will stop you from getting a card. In any case, you can use this report to fix the previous mistakes before posting the credit card application one more time. Read the full article
5 Must-Check Features When You Apply for credit card
A credit card is an excellent financial tool which allows you to borrow money instantly to keep up with your expenses. But with so many different cards to choose from, how will you choose one that suits your needs and spending habits? We have listed five important features that you should check when you apply for credit card.
If you are above 21 and employed, maybe it’s time for you to start searching for your first credit card. A credit card is just like a debit card. But while funds are directly debited from your bank account when you use a debit card, a credit card lets you temporarily borrow money from the card provider which you later repay to the provider.
Almost every major bank in India now offers many different types of credit cards. And with so many cards to choose from, how will you select one that best suits you? With the help of the features mentioned below-
 1. Interest rate
The APR or the Annualized Percentage Rate of Interest is the interest that you pay on the amount that you have borrowed from the card provider. However, you only need to pay the interest if you carry any balance from the previous month. If you pay the dues entirely every month, the interest rate wouldn’t probably matter. However, it is still recommended that when you apply for credit card, you go for a card with low APR.
2. Annual fee
The next important thing is the annual fee. Several credit cards do not have an annual fee, and then several others do. It is usually seen that the cards with annual fee offer better features and benefits. Also, a lot of cards do not charge any annual fee at least for the first year. While no annual fee is good, make sure that you check the APR and other terms and conditions of the card when selecting.
3. Spending limit
Every credit card owner gets a particular spending limit. This limit majorly depends on your income and credit score. Do not expect the spending limit of your credit card to be very high. However, it should be practical enough to keep up with your spending habits. Get in touch with a few banks to get as high spending limit as possible.
4. Additional charges
It is one thing that people usually forget to consider when looking for a credit card. The cards can come with many different types of additional charges, like balance transfer fee, late payment fee, foreign transaction fee, over-the-limit spending fee, etc. Compare these charges and pick one that has a minimum of such charges.
5. Rewards
Credit cards also offer a lot of rewards. Right from cashback, airline miles, free coupons, tickets, discounts on daily shopping, to discounted hotel bookings, there is no shortage of rewards and offers. You can choose a credit card on the basis of rewards that would benefit you the most. For instance, you can go for a card that offers airline miles if you are a frequent flyer or you can get a card that offers discounts at hotels and restaurants if you are a traveller or food lover.
It is with the help of right knowledge that you can make the right decision. And when it comes to credit cards, the features mentioned above are sure to help you pick the best.
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The Reishi Times has published a new post entitled "Things you need to know before applying for a credit card" Introductory offers may not be as sweet as you think Offers such as 0% interest for a set period sound tempting, but make sure you know when your introductory offer ends. Interest rates can shoot up after this period so always check the details and find which card’s right for you before... - http://supafoods.avoncliffe.com/healthy-coffee-blog/5-things-you-need-to-know-before-applying-for-a-credit-card/ #CreditCard #CreditCardApplication #CreditRating #Debt
