Tag Archives: receive

5 Ways to Apply for Instant Credit Card Approval

November 23, 2019   Home Mortgage

If you’re shopping on the Internet, chances are good that you will be using a credit card to do so. Credit cards are easier and even safer than checks are cash transactions. But if you don’t already have a credit card, is there a way to get credit instantly?

1. Go to a large retailer

When you’re shopping online, you will generally receive offers for credit cards if you make a purchase with a larger retailer. In some cases, this will be a card that you can use on their site or at their local shops. With a good credit rating, you can even get a percentage off your total order or free shipping as an enticement.

However, you will have to wait for the physical card to arrive in the mail.

2. Just when you’re online shopping

And also at larger retailers, you can instantly apply for major credit cards (Visa and Mastercard are the largest) when you complete a purchase. Again, these can allow you to receive discounts on your purchase.

3. Through payment sites

When you’re using PayPal or other merchant online payers, you can also apply for credit cards instantly. These can come with benefits like lower fees on transactions through their site as well as cash back on purchases that are made on the card.

4. At a store

And if you’re shopping in person, you can also apply for a credit card instantly by merely filling out a form and waiting to be approved. This only takes minutes and can save you money on your order during that visit and usually at the visit that follows. Some stores even offer gift cards after purchases total a certain amount.

5. How to be approved instantly

But the fact of the matter is that you can’t get instant credit card approval if you don’t already have good credit. This means that you will need to show another major credit card as well as undergo a credit screening. This not only shows your history of paying bills but also how many other credit cards you have. It will also determine how high of a limit you will receive on that card.

Almost anyone can get instant credit card approval for almost any purchase online or in a physical store. All you have to do is apply and have a good credit report to back you up.

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Understanding debt consolidation

November 22, 2019   Fast Loan

Debt consolidation is a solution offered to many people these days with explaining some real weird theories about it and it I leading to creation of more and more myths about it. Here we’ll consider this debt consolidation in a simpler one and try to clear out whatever confusions arise in your mind. But first of all let’s see what credit consolidation is and how you may get benefit from this. It is simply paying many smaller loans by having a larger one with some collaterals and lesser interest rate.

The points to be discussed about this debt consolidation are:

1. It is for those who are unable to manage their money matters and who are not good financial planners. Those who are capable of saving and paying off money successfully should avoid this and it may not prove beneficial to them.
2. It is nowhere equivalent to bankruptcy or settlement because in this way you are not either having the title of a bad payer or negotiating with the original creditors about some relaxation in your debt conditions.
3. It is a compulsion for you to be a home owner to have secured debt consolidation. The profitable consolidation only results after offering something as collateral and you can’t do this unless you own your own real estate property of some great value.
4. It would never deteriorate your credit report or credit score but on other hand may prove helpful in improving this. As you are actually paying many small debts so your credit score may get improved in some cases.
5. It is not a tactic to reduce your debt but it is just a method of incorporating all of your debts into a single and a huge one. It doesn’t mean at any point that debt on you is lessened.
6. debt consolidation companies are actually not required in this whole process if you have the knowledge and you can negotiate well with the creditor you can do it on your own in much successful manner.
7. You may require the help of a finance lawyer or an outsider help for the whole legislator and documentation portion of the deal. Because it contain many minute points to be handled.
8. yes, a drawback of this debt consolidation is the difficulty in getting future loans that somewhere resembles bankruptcy but remember by paying the monthly amounts regularly and improving your credit score you can overcome this handicap.
9. You may get into a digging well of having more and more debts in your life and end up in many unpaid debts that will allow the creditors to sale your valuables. So try to handle it with much more caution and financial wisdom.
10. It is just like receiving from one person and paying the other one but you receive with a lesser interest rate that is the profit point.
11. You won’t be getting many payments calls daily for those small loans but yeah if you actually fail to pay this one you are at least going to receive one call.
12. It doesn’t allow you to write a debt note unlike in bankruptcy.

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