Talk to financial institutions
Contact your bank or credit union. Even large banks and some credit unions can provide credit cards to their customers. Do not forget to start working with one of the agencies. They can give you valuable advice and explain important details such as commissions, credit limits and interest rates.
- Bank credit cards are usually reserved for existing customers. An account is required Opening a bank account in your bank is very useful.
- If you are a long-term customer, your bank can request your credit card first. Because banks try to diversify, they want to create credit card portfolios and receive great prizes and rewards for their customers.
- Another advantage of a bank credit card is that you can easily manage payments by linking your card to a normal account.
Meeting with the banker. Most banks offer different cards. Your financial situation, your consumption habits and your solvency. Sit with the banker. He will discuss your options and recommend the best options.
Ask and listen to important details. You must know the personal details of each card. What is the annual interest rate (APR)? How much does the card cost per year? What is the credit limit? What is the minimum amount that you can pay for the balance?
Make sure that the annual interest rate on the card is 'Intro' or 'Fixed'. Lenders generally offer a low number of references to attract and increase the number of customers in a few months or years.
Consider a security card. If you are contacting your credit card for the first time or if your bank can not provide you with a general credit card, ask us how to obtain a 'secured credit card'. References are used to build trust and a good credit history. They can help you get enough money and finally get an unprotected account.
Your bank regularly checks your account. If you earn money on time, you can provide a generous credit card with a high credit limit.
Your bank places your secure account on the card. The monthly payment must be completed. Otherwise the bank can make a down payment.
Request a card. After consulting the representative of a bank or union, you must complete an application form. Take this application seriously and answer all questions with sincerity. This is a fraudulent and illegal lie in your data.
It is necessary to provide personal information, but it is necessary to provide detailed information on citizenship, work and financial status.
Be prepared to answer questions about your annual income, the cost of your "monthly work" and the amount of your "short-term assets", such as cash, savings accounts or settlement accounts, or certificates of deposit.
Register directly on your credit card
Search for emails or discount coupons in your inbox. Credit card companies want to advertise and tell you they have a 'pre-selected' or 'pre-approved' balance. This means that the card company has analyzed your financial data and has positioned you as an ideal candidate.
Pre-approved offers mean that the credit card company assesses your creditworthiness, credit history and other information. Also measure
Verify you well. Find suggestions and all conditions. Unlike banks, it is impossible to ask for details directly. Please read this sentence carefully. Pay attention to interest rates, interest rates and minimum payments.
Unfortunately credit card fraud is normal. Make sure you indicate your company.
Personal training card You can also find your card containing the initiative. With this you can buy from companies such as Capital One, Chase, Citibank and Discover, and compare and spread your strengths and details.
There is an online tool where you can collect evaluation cards and buy the best options. On this site you can indicate your preference when the annual percentage is low, a payment plan for intermediate points or a refund.
Focus on recommendations for the point of sale of credit cards. Some department stores and retailers will show a consumer credit card and offer a point of sale at the time of payment. Is it easy? It may be Please keep in mind the conditions for registration.
However, if you use it wisely, you can use a business card. For example, if you often buy a market or buy a large ticket, you can get a discount. When you register your credit or credit card, you can earn points when you pay the time. If you decide to purchase one of these cards, you must pay immediately to avoid high interest rates.
Fill in the application form. If you are online, in person or by mail, you can choose the card that suits you best and that is formally applied. Provide specific information about you and your financial situation.
The first e-mail is accompanied by a link to the online application. If this is done by e-mail, you can call the toll-free number or complete a paper request.
Make a good Credit
Start early and consolidate your credit history. A good credit is an integral part of the evaluation of the credit card. Not everything. You may need a good loan to connect the equipment to your home, rent an apartment, enter a credit check with the employer or insure the car and a mortgage.
Start Early Credit limits are an important factor in obtaining future loans and obtaining credit cards. Lenders want you to know that you have a loan service.
Pay the balance or the minimum monthly amount. Payment history is about 35% of your creditworthiness. You must pay at least the minimum monthly amount of your card. Otherwise, they will stab your wound.
Do not lose a clear payment. Card companies can impose successive fines and raise interest rates if payment is delayed. Even if you pay more than 30 days, your credit report may appear.
Make sure your debt is low. The amount you pay for a month or the number of times you pay is not considered a credit score. Most importantly, every speed of use of the card or utility. The use of the account is approximately 30% of the loan amount.
If you have a charity index (ie a large credit card), the wrong message is sent to the creditor. This indicates that you spend more money than you can afford.
Please limit the card. The other credit card factors are not taken into account, but the number of accounts stored in mortgages, student loans, car loans, D. The ideal card number is not clear.
Some experts advise you to keep them for regular purchases and limit them with two personal credit cards while they are scared. The more letters you have, the more you will be tempted and the more debt you will have.
Use your card wisely Remember that credit cards are not "free money" and you should pay them as soon as possible. A good understanding of finances increases creditworthiness and leads to future opportunities for cards and loans.
