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In Over Your Head? – Get a Payday Loan Online
Whether your child is turning one or sixteen, you want to make his birthday a special occasion. You want to give him a party he will always remember. Clowns, pony rides, magicians are favorite choices for the younger crowd. When your children get older, it’s about music, food, and the right clothes. On top of trying to find just the right entertainment to make their special day a memorable one, you still have to come up with a worthy birthday present.
It doesn’t take long to get carried away, and by the time you realize you’ve spent too much money, it’s too late! You’ve made deposits, ordered the cake, and wrapped the presents. If you need to get cash fast, you can get it from a Payday Loan Online.
All kinds of people use Payday Loan Online for a lot of different reasons. Some use them more often than others, and some may only have one event where they need a payday advance. Once you’ve used this service, you’ll have the comfort of knowing how easy it is to get the cash you need.
You don’t have to explain why you need the money to get a Payday Loan Online, so what you do with it is up to you. If you need it for an emergency, like for medical bills or car repairs that’s fine. If you want it for a special occasion, just to make it a little more special, that’s okay too. It’s your money, you can use it however you want.
To apply for a Payday Loan Online, just click on the link. This takes you to the application and within a couple minutes, you’ll be finished! You find out almost immediately if you are approved. If you are, the money may be in your bank account in as little as one hour. You must be of legal age to apply. You also need an active checking or savings account, and a stable source of income. It doesn’t matter if you get paid weekly, biweekly, or monthly. You may still qualify.
A Payday Loan Online is a short-term loan that defers payment of your electronic check until time for your next payday. Once the money is in the bank, the amount of the loan plus a small one-time fee that depends on the amount you borrowed is taken out electronically.
Loans are available from $500 to $1500, depending on the amount of your income. There’s no credit check, so if you have less-than-perfect credit, or no credit, it doesn’t matter. You may still qualify. The entire process takes place online, so it’s completely paper-free. You can conveniently apply from the luxury of your own home. There’s no driving out during someone else’s hours of operation, no faxing any papers, and you don’t even have to go pick up the cash. Once deposited, you can use your debit card to pay your bills.
A Payday Loan Online is fast, easy, and convenient. It’s available twenty-four hours a day, seven days a week. Whenever the unexpected happens to you, or you just get carried away with spending, a cash advance is just a click away.
The Truth About Credit Cards For People With Bad Credit (Page 1 of 2)
When it comes to credit cards for people with bad credit, there are dozens to choose from. However, that doesn’t mean they are all good credit cards to have. While some bad credit credit cards really do work towards improving a person’s credit, others do nothing but fleece the pockets of those who need a second chance.
Here are seven things to look for when dealing with credit cards for people with bad credit.
1. Fees, Fees and More Fees
It is true that credit cards for people with bad credit almost always have an annual fee attached to them. That being said, a few of the questionable bad credit credit cards charge much more than just an annual fee.
One of the popular credit cards for people with bad credit advertises a $48 annual fee. Not bad, right? It wouldn’t be — if that’s where the fees ended. Unfortunately, this card also charges a processing fee of $29, a one-time program fee of $95 and a participation fee of $6 each month.
That’s a whopping total of $178 being charged to your card before you even get it in your hands. Considering most applicants only qualify for a credit limit of $250, that leaves you with an available credit line of just $72. Not exactly the credit card you were hoping for, is it?
Do yourself a favor… When dealing with credit cards for people with bad credit, make sure you understand all of the fees involved and don’t just judge a card by the annual fee or the interest rate.
2. The Facts About Secured Credit Cards
When looking for credit cards for people with bad credit, there are two categories of cards you will be looking at. These categories are called secured credit cards and unsecured credit cards.
With a secured credit card, you have to secure your line of credit with a savings account. Sometimes your credit limit will be equal to your savings account and sometimes it can be more. It really depends on the specific credit card and your personal situation.
Now understand that when you place a deposit for a secured credit card, it goes into a savings account. This is much different from a prepaid credit card. A prepaid credit card will require a deposit as well, but it works more like an ATM card than a credit card and it doesn’t get reported to the credit agencies.
Because people looking for credit cards for people with bad credit usually want to improve their credit rating, it’s important that you find a true secured card and not a prepaid card. Otherwise, you’re not doing your credit rating any good.
3. Cash Up Front Is a Con
We’ve discussed that credit cards for people with bad credit often charge fees. This doesn’t, however, mean that it is acceptable for them to ask you to pay for these fees up front before they issue you a card.
If a credit card company wants you to send them money before they send you a credit card, run in the other direction. Nine times out of ten, it’s a scam. You’ll never get the card and you’ll be out your hard-earned money.