Finance Articles

A Primer on Instant Decision Credit Cards

The process of applying for a credit card can often be a long once. After the application form has been filled in (a time-consuming task in itself) consumers are often left waiting to hear whether they've been accepted for weeks at which point they may not have time to complete the process. For this reason, instant decision cards are proving increasingly popular, particularly for consumers with a blemish-free borrowing record. Instant decision cards can also have the advantage of encompassing a whole range of standard plastic card types. For example, some 0% balance transfer card offers are available through an instant approval process which could potentially save those who are paying high-interest debts on other credit cards money in the long term.

Prepaid and Bad Credit Cards

Deciding on what type of credit card to apply for depends on your past credit history. I had no idea how important maintaining good credit was until I lost my credit cards. You'll want to avoid bad credit at all costs but sometimes we simply run into circumstances beyond our control. Many people lose their privilege of having a credit card due to missed payments and create a bad credit rating in their credit bureau file. I had previously owned six cards and lost all of them because of a change in my financial situation that made it impossible to keep up payments. The result was mountains of debt and bad credits. If you need to rent a car or book a hotel in the future, good luck.

People With Bad Credit Get Credit Cards

Unfortunately due to the recent global financial crisis, folks everywhere are having trouble making credit card payments and as a result, lose their credit cards. Along with losing the card, they develop a bad credit history. Anyone who has struggled with this knows how hard it is to come back from it. The only way to re-establish your good credit is by having a card, but how do you get one with poor credit. Today there are a number of credit card options, like the First Millennium Platinum Card, who are willing to give those with bad credit a second chance. You don't have to worry about your bad credits because there is no credit check. With First Millennium Platinum Card, applicants are approved in about sixty seconds.

Business Credit Cards For People With Bad Credit

If you've thought about starting a business or already have, getting a business credit card with a bad credit history may be tough. As a business owner you may need to do credit checks on your customers as well so you understand a company's reluctance to give you credit based on bad credit rating. This can deter anyone from even getting their own business going. It shouldn't as there are ways around this dilemma. As a business owner you need to have some sort of credit card to streamline your finances and it's important to manage the business finances separate from your own. The terms on the card will be determined by your own credit history. Don't be discouraged by the job that is in front of you, some of the most successful business owners were bankrupt and down on their luck at some time.

Unsecured Credit Cards For Those With Poor Credit

If you've ever need money in a hurry you probably wished you had a credit card. They are handy for those little emergencies or those last minute purchases. Chances are you have had them in the past and may be like the millions of other consumers who fell on hard times and lost them. Now with bad credit, getting another will surely be a feat. That's not necessarily true today. There are cards that can be approved quickly regardless of your bad credit history. Getting a secured card fast is easy with a down payment or some sort of collateral but maybe you don't have any. Then try for an unsecured credit card. That being said, there are some things you need to know to avoid paying high upfront fees or ridiculous interest rates.

The Secret to Getting a Credit Card with Bad Credit

Getting hit with unexpected setbacks like job loss or costly medical bills can make it nearly impossible for a person to make ends meet. It can happen to anyone really. Impending bad credit and financial stress is usually the grim outlook. That said, it doesn't necessarily mean you will get turned down when you apply for a credit card in the future. An individual can easily still get a credit card in their name, even with a very poor credit history. Simply by applying for a card like the First Millennium Platinum Card and making good on payments, they can start to bring their credit rating back up. At the same time, they benefit from the advantages of possessing a credit card.

How to Pay Down Your Credit Card Debt - Be Debt Free in 12-36 Months

Are you wondering how to pay down credit card debt? Are you even aware of the fact that carrying a lot of debt has many consequences? It might not have been intentional that you built up so much debt so quickly. Things happen in life that might have forced you to resort to using those plastics. Maybe even having expensive emergency might have caused you to have to use your credit cards to pay for the services. But unfortunately the interest rate on your card caused your debt amount to soar sky high. The biggest mistake that most people make at this point is to file bankruptcy. Filing bankruptcy can actually cause your credit score to plummet. If you want to keep a decent credit score and learn how to pay down credit card debt the easy way then you should take advantage of the many free services that are available.

How You Can Negotiate Credit Card Debt While You're Married - It is Possible to Easily Eliminate It?

Want to learn how to negotiate credit card debt? Carrying a ton of debt can cause a lot of stress and headaches your life. This can especially affect your marriage. Being currently married you already know how difficult things are. It's even worse when you carrying a lot of debt. This can drastically affect the relationship between you and your spouse if this matter is resolved as quickly as possible. Sometimes learning how to negotiate credit card debt on your own can be easier said than done. This is especially true depending on circumstances. If you try to go out and do all the work yourself you might end up putting yourself in a worse position than what you started out in.

Build Corporate Credit For Your Small Business

One of the most common misconceptions is that small business owners cannot build corporate credit. In most cases there is really only one obstacle preventing them from starting which is the legal structure of the sole proprietorship that so many choose for their company. Unfortunately, this happens to be the most common choice among small business start ups. Normally you don't pay anything to start a sole proprietorship. Of course you don't get anything, either. Unless you count the following as valuable business assets: * Lots of personal liability * No protection from your business creditors * An increased risk of being audited * Problems with valuation for a subsequent sale of the business The reason for this lack of protection is because a sole proprietorship is not considered a separate legal structure.

Repair Your Credit Score to Fix Bad Credit

If you are one of millions out there that is dealing with credit problems, you are not alone. Reports talk for us, when we try to buy a new house, or car. Many people have to fix bad credit. It is something that just happens so quick, sometimes you can not even keep track. The 3 bureaus keep track of your score though, which is why you should too. Many of us fill out a credit card application in hopes of getting the extra chance, to buy what we need right then. The problem is, we do not always think of the history, it will leave us in the end. You should be very concerned what the credit bureau has on your reports. I would tell you, first get a copy of your reports from all 3 bureaus.

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