Get your first credit card
Get a credit card from your bank or credit union. If you do not have a credit card before, it's hard to know where to start. The first good step is to visit a bank or credit union, get a check or savings account and ask the employee if he can get a credit card. Most local financial institutions are willing to offer loans to customers who are responsible and qualified
Your credit card gives you a credit card. Banks are not the only place to receive credit cards. Many credit cards are provided by the same company as other companies. You may know companies like MasterCard, Discovery and others. The company offers different credit cards for different types of customers, but I believe that, as a bank, it has enough financial obligations to pay the bank.
Local companies can issue credit cards. Companies with a complete lifestyle (shop, travel, gasoline, etc.) issue their credit cards. This usually gives you the option to register this credit card at the time of purchase. However, as opposed to other types of credit cards, the seller's credit card often has a high interest rate (the amount you pay once) and a low credit limit (the total amount you can pay once). )) on credit card.
You must show your financial responsibility. When you apply for a credit card, the bank or company wants to know that it is possible to pay the money spent. For this, they reviewed their credit history and submitted them to credit rating agencies. In other words, it's usually about whether you can use a credit card for a credit card. The following are some aspects of the financial statements that can be reviewed:
- Loans (including mortgages). Did you pay for the time you installed? Are you late or late?
- Rent - Do you agree when you pay the rent as planned? Only a few owners maintain the credit management company.
- Previous Credit Cards Have you used your old cards responsibly and paid your debts on time
- Main financial events. Have you recently declared bankruptcy or canceled?
Start with fraud (responsibility). Congratulations, you now have a credit card. Now you can buy anywhere when you buy. Show them when you pay when you buy them or write them as a regular credit card. Here are some basic tips for using your new card.
An economic advantage is to pay the balance as soon as possible. The balance does not "pay" for one month's interest in the following month: "cost", which can not be restored as soon as possible. The interest rate represents the percentage of agreed balance amount when the card is registered. Some cards offer a 0% interest payment within a certain period of time after registration.
Buy a little credit regularly to determine your credit history. In general, the new credit card strategy should make small purchases and pay immediately. This means that credit card issuing agencies can increase credit history by repaying debt responsibly.
Having a good credit history is very important. The following basic financial transactions can be simplified:
- Get a mortgage loan.
- Receive personal loans.
- Receive a new credit card discount.
Balance as much as possible. The best way to create a good credit history is to spend a lot of money on credit cards, pay them fully and repeat again. In fact, it's a bad idea to continue using a large amount of available loans, and this can damage your credit history. To do this, you must trust credit because the financial institution shows that it is difficult for you to cover your expenses with your bank account. Of course, it is someone else's money.
Avoid multiple cards at once. Many credit card accounts can be opened at the same time as reputation creditor can cause more damage to credit card costs. This may seem like a dangerous idea, because your credit organization suddenly seems to have a lot of money and is unlikely to get a salary.
Protect your credit information. Your credit card is not a credit card. Many cards are provided with PIN technology, but PIN codes are not required. Generally PIN codes are not required. Signature is required (especially for free sellers). Some providers may ask you to verify your identity when you use a credit card, but many suppliers do not prove your identity. Because of this, if the credit card falls into the wrong hands, others can buy it and you're not proud. That's why you need to be careful with credit cards.
Do not offer expensive credit cards. While most credit cards are used responsibly, some are more boring (and more expensive) than expensive, some cards can charge unfair hidden costs, and some cards can charge very high interest rates. Some cards use unethical procedures and companies issuing these cards may be subject to legal action. Do not be fooled by credit card fraud. Carefully read terms and conditions, pay particular attention to credit lines, interest rates, annual costs and other card expenses.
Avoid multiple cards at once. Many credit card accounts can be opened at the same time as reputation creditor can cause more damage to credit card costs. This may seem like a dangerous idea, because your credit organization suddenly seems to have a lot of money and is unlikely to get a salary.
Protect your credit information. Your credit card is not a credit card. Many cards are provided with PIN technology, but PIN codes are not required. Generally PIN codes are not required. Signature is required (especially for free sellers). Some providers may ask you to verify your identity when you use a credit card, but many suppliers do not prove your identity. Because of this, if the credit card falls into the wrong hands, others can buy it and you're not proud. That's why you need to be careful with credit cards.
Do not offer expensive credit cards. While most credit cards are used responsibly, some are more boring (and more expensive) than expensive, some cards can charge unfair hidden costs, and some cards can charge very high interest rates. Some cards use unethical procedures and companies issuing these cards may be subject to legal action. Do not be fooled by credit card fraud. Carefully read terms and conditions, pay particular attention to credit lines, interest rates, annual costs and other card expenses.
Optional credit card navigation
Consider the automatic withdrawal of banknotes. If you have a total cost, as before, you can automatically cancel credit cards, such as checks, savings accounts or student loans. You often do it online. Check out the Agency website that sends an invoice for more information.
Imagine using a credit card that offers benefits. As noted above, many credit card providers are trying to attract potential new users by registering bonuses and bonus packages with new cards. If you have a new credit card, you will receive an attractive salary in the credit card market. Payment can be:
- First month, not interested in 0% for a year
- Specific discount on purchase prices
- Monthly / annual cost reduction (or none)
- About credits for certain rewards per purchase (eg frequent flyer miles)
Think of the need for a higher credit limit. Should you wish to be more responsible after your credit card, consider allowing credit card issuers to extend credit limits. If your credit is good, you have the right to increase your credit limit. Your credit rating may be temporarily low as you may need more money.
Be careful with prudent policy protection. If you need to use a credit card beyond your credit limit and exceed your credit limit, contact your card issuer for bank transfer. If you have a credible and credible user account, some credit card companies agree to pay for purchases that exceed the weight limit and spend more than justified. But in the long run, this usually leads to additional costs in red.
Be careful with prudent policy protection. If you need to use a credit card beyond your credit limit and exceed your credit limit, contact your card issuer for bank transfer. If you have a credible and credible user account, some credit card companies agree to pay for purchases that exceed the weight limit and spend more than justified. But in the long run, this usually leads to additional costs in red.
