Finding Reputable Credit Card Companies
You're interested in getting the best credit cards for your family's needs, but you don't want to be cheated. Or you're interested in small business credit cards, but you've heard that some of them aren't terribly secure. What do you do? First, don't look for the best credit cards in your email box; and don't pick out your small business credit cards from your daily junk mail. While these are often good bargains and perfectly honest companies, junk mail and email are also the way fraudulent credit card companies find their victims, or less-than-great credit card companies find customers. The best credit cards are the ones you seek out yourself. Whether you're looking for small business credit cards or good credit cards for your personal use, be an active rather than a passive buyer. Go to your bank and ask them if they carry credit cards, or if they can recommend a good company. Chances are, the answers will be yes, and yes. For unsecured cards, your bank may have less than great rates; but for cards secured by home equity or an equivalent security, your bank will probably have rates competitive with the best advertised prices out on the Web or television - and you have the added comfort of knowing you can trust them. Go to the MasterCard or Visa websites and ask them for reputable card providers; they may be willing to provide you with a list. Or only apply for cards affiliated with a bank you have heard of, like Wachovia or Bank of America. If you are applying for a card with junk mail applications, look carefully at the application. Does it appear less than professional? Are there misspellings or odd errors? This may be a fraud. Whoever you go to, keep a record of your application, and follow up on it a month or so later if you haven't heard anything. The information you get that way may save your credit rating. Jeff Altmire is the author of this article. This article may be reproduced on websites subject to credit being given to the author, and a link to this website. If you would like more information go to http://www.best-credit-card-cards.com
Related News
|
 |
|
|
RELATED ARTICLES
Four Tips How Homeowners Can Rebuild Their Life After a Foreclosure
Let's face it, if you are facing the possibilities of losing your home due to a foreclosure and you think that you may never be able to purchase another home anytime soon. Keep reading.
Credit Report Secrets: Do You Know What They Reveal?
If you've ever applied for a credit card or loan, you've probably had
your credit report reviewed by the lender. Your credit report has a huge impact on your financial future, so it's well worth your time to be sure that you understand what your credit report says about you. Even if you're not interested in obtaining credit, your credit report can impact other areas of your life. Potential employers view your credit report to assess your trustworthiness as an employee. Landlords frequently check the credit reports of their tenants before allowing them to sign or renew their lease.
Update Your Computer System With Bad Credit Computer Financing
The moment I placed myself in front of the computer screen a whole new world beckoned me to join it. And years of strolling have proved incompetent to get me acquainted with the full panorama of computers. You have always wanted one in your home. But something is stopping you. Bad credit? Do I hear bad credit? You think bad credit can stop you from getting your computer financed. Which world are you living in? You certainly need a computer. Computer financing for bad credit can enable you to get your very own home computer, lab tops, desk top or any other computer requirement.
What is Credit Counselling?
Ever wondered what is Credit Counselling? There are occasions when you might encounter a financial situation that is beyond your scope which is when a session with a credit counsellor could be beneficial.
Its Your Credit - Take Care of It!
Thanks to the Fair and Accurate Credit Act, American consumers can receive a free annual credit report from each of the three major credit bureaus-Experian, TransUnion and Equifax. You can order your free credit report by visiting www.annualcreditreport.com or calling 1-877-322-8228.
How To Eliminate Credit Card Debt
There is almost nothing more troublesome than having too much debt to pay each month. Consumers incur debt for many different reasons. Sometimes illness, accidents, or just bad luck can make it seem impossible to get finances under control. Other times it is simply because we spend more money than we earn. The first step toward taking control of your financial situation is to learn how to eliminate your credit card debt.
How Your Credit History Can Affect Your Life
Your credit history is an important aspect of your life. Maintaining your credit rating is very important to your future and to your lifestyle. A poor credit history can mean denial of credit, high interest rates, and could possibly affect your ability to get a new job or apartment. If you are unsure of your credit score or credit history in general, it is a
good idea to find out the contents of your credit report and to monitor any changes in your credit report carefully.
Always Avoid Payment Holidays
Once you've been paying off a credit card for a while, you might be offered a 'payment holiday'. You'll get a letter, saying that since the company knows it's difficult for some families around Christmas (or whatever other excuse they think up), they're offering you a month off from paying, as a 'special present'.
Beat Credit Card Companies at Their Own Game!
Have you ever wondered how much money a credit card company makes? Have you ever wondered how much of that comes from late fees? Everyone has and if you haven't you should because most likely you own a credit card, which means that these late fees has or could directly affect you.
It Takes Credit To Build Credit
Using a credit card wisely is an important step in building a good credit rating. If you're trying to re-build your credit or if you're young and just starting out, pay close attention the next time you receive a new card offer in the mail. When you're trying to build a positive credit history for yourself, using the right credit card makes sense. Making small purchases and then making your payments on time each month is a simple, reliable way to build an outstanding credit report.
Minimize your Risk for Identity Theft
Identity theft is the fastest growing crime in America. According to the Federal Trade Commission, the number of identity theft incidents reached 9.9 million in 2003. These crimes are estimated to have taken the average victim $500 and 30 hours to resolve.
Learn The Truth About Identity Theft
Identity theft is the fastest growing crime in America, according to a recently released FTC study. Did you know that the term "identity theft" did not exist until just a few years ago? It is a recent phenomenon that is causing a great furor around the world.
How To Prevent Fraudulent Credit Card Transactions
What Are Possible Signs of Fraudulent Transactions see at Web Hosting Companies?
Credit Reports Inside and Out
The Credit Report is like your scorecard in the lending world. Every time you prepare yourself to acquire or purchase something that requires financial assistance from a lending institution, your credit report will be your "presentation card".
Balance Transfers Can Help You Stop Putting Money Down The Drain!
As you probably know, interest rates are at all time low right now and if you aren't getting the best deal from your credit card company then they owe it to you to either lower your rate, or you owe it to yourself to find a better deal. You see, credit card companies need your business in order to succeed and if you refuse to pay a penny more than you have to then you'll be doing yourself and others a big favour indeed. By doing this, you'll avoid paying more than you should and the companies will stop treating its clients inappropriately.
Clean Credit Report: Easily Raise Your Credit Score 100 points
Clean Credit Reports, your credit report contains information about where you work, live and how you pay your bills (On time or not). It also may show whether you've been sued, arrested or have filed for bankruptcy with in the last 10 years. Companies called consumer reporting agencies (cra) or credit bureaus compile and sell your credit report to businesses all over the world.
The Ghost of Expected Surprises
Here, Cratchet, what do you think you're doing?
How Credit Scoring Works
The all important credit score! It determines the amount of loan you can get, it determines the interest rate at which you are charged for a loan, etc. Your credit score plays an important figure in your financial life. So what goes into making that all important score of yours? How does it increase, how does it decrease and what are the factors that go into its calculation?
Know Your Credit Card Rights
When you apply for a credit card, the application that you sign is also a legally binding contract laying out all the terms
Dealing With A Collection Agency
Step I - Selecting A Collection Agency
|
