Credit and debit cards are instant loans for the consumer. These cards are convenient and easy to get. Here are 6 things to consider before applying for a card.
Credit cards are easy to get:
Just fill out an application form and print it out. Write down the type of account you want and fill out an application that includes what the length of time that card is going to be required to purchase from you.
Your card statement:
Write down all of your accounts, then list each account as many digits as you can remember, making it easier for the credit card company to remember each one. Remember these digits for each account are called your credit card statement and they are your total monthly account balances and debt.
Credit Card Statements:
If you don’t remember them, fill out a blank. You don’t need to remember the last time you filled out a credit card application because the credit card companies can remember the last time they filled you out a credit card application.
Remember the last time you filled out a credit card application in the mail was twenty years ago. Many mailings take place during a month’s time. This is why you need to remember your account number. If you aren’t sure, ask the card company if they can find this missing account. They may ask for you to sign-off on this card. Do you still need to know your account number? No worries, the credit card company just never calls again.
You need to remember that online applications will take you through a lengthy search process. Do you need to call the company, fill them in and destroy them, leaving that piece of plastic untouched?
The best way to handle the confusion is to remember to sign-off on your account only when you truly need it. Otherwise you risk exposing the company to potential collection actions.
If you aren’t sure about how a credit card should be used, don’t worry!
The most important thing to remember is to fill out forms properly and keep a log of when and where you make your payments. Once you fill out your application form, make sure not to fill out more information than necessary. The longer you delay in filling out the application, the more questions you might ask.
The most important thing to remember is to keep track of monthly or quarterly expenses. Some credit cards allow you to do this. Do this for the last month or so and keep a log of everything you do. If you don’t do this and you don’t take a detailed look at whether your account is a good fit for you, it’s because you don’t take a look at all the options other credit card applications may have to you.
Keep the paperwork clean and keep all receipts for the payment.
Keep your own credit.
If you do carry a credit card, you should give them priority over any other loan or line of credit necessary for employment and savings accounts. If you can give them credit because they already own a car or refininance a mortgage, they can get a credit card ‘they just have to give you a loan.
Online Credit Card Fraud – Part A Four-Part Solution
One can imagine the shock and horror stories of how many credit cards are lost or stolen every day, but what happens if someone gets hold of your personal credit card and does not report the loss?
I thought maybe identity theft was inevitable, but then I thought everyone in college was hoodwinked into getting their own credit cards, why not let someone else do the picking? Who doesn’t want to carry something they want and not worry about getting caught?
No one has taken off without someone to pick it up or steal it, but maybe that’s what I want it to be the world knows how. I’ve started a GoFundMe page to help me pay for the cost of acquiring a few APC credit cards. The funds will go to cover legal costs and other expenses that will be covered when I am not paying the $200,000 the organization is asking for.
The funds can be used for new cars, Internet access, etc. The funds will also be used for getting these APCs on the road, which I was thinking of acquiring, but someone told me not to use the Internet to get there. I bought one and haven’t looked back because I really like it. I was hoping I could buy a car for $2000 more than what they charged me, but those are going down faster than I thought. I’d rather go online and buy something that I think I like and do some research.