Tag Archives: receive

Loans 360 – Flexible Rates Designed For You

Applying for personal loans with a traditional bank means that they will look at your credit. If you have a low credit score, they will either turn you down or they will charge you very high interest rates. At Loans 360, the whole process will be different because there will be no credit check. A borrower’s future earnings are at the forefront of our minds.

Our personal loans were created just for people who have had financial difficulties in their pasts. We want to help people like you who don’t have the best credit but are in need of a little money to help pay the bills. If you have a low credit score, don’t hesitate to apply for a loan with us; we aren’t here to judge, we want to help you.

We have made it so that you can begin the loan process in whatever way makes you feel the most comfortable. If it would be better to come into one of our offices, you may do that. But if you would like to receive one of our online personal loans, this option is open to you, too. Either way you choose, applying for a loan with us is fast and easy and always done in the friendliest manner possible.

When you receive personal loans with us, you will have an interest rate that gives you payments you can easily afford. We won’t charge you anything upfront; you will be able to fill out our application for our online personal loans or in our store without worrying that you will be presented with a bill. We will even tailor your payment plan toward your unique situation ensuring that you will have the best chances of repaying your loan.

The application won’t take you long to fill out. You will just need to give us some personal information such as name, address and phone number. Some of the other questions pertain to your financial obligations such as your monthly house payment and your monthly income. After we have received the application, we can quickly begin the process to loan you the money you need.

Our online personal loans can be so fast because these loans are unsecured. When a loan is being secured by some sort of collateral like a house or a car, the process takes much longer. By adding in the credit check, it can take weeks before a bank can approve you for a loan. By applying for a loan with us today, the process can take as little as one business day to complete.

Credit Cardholder Protections

Certain laws are on the books to protect consumers from unscrupulous credit card issuers. It pays to know what guidelines the various financial institutions should follow in regards to cardholder protections.

You are entitles to have your credits posted promptly for your payments. By law your payment must be reflected on their books the day they receive it or the next business day after if it was received if arriving in the afternoon generally. Each issuer can make up certain rules of their own within the confines of what is legal and allowed but your payment must be treated with due process when it arrives..

Be certain to follow the postal instructions so your funds reach the issuer’s billing department without any hassle. If you accidentally send your payment to the wrong place it could take weeks or more to correct, and you would still be liable for your payment not reaching the credit card issuer or financial institution in time. I f you can’t find the proper mailing envelope that came with your statement, be care to correctly copy the address off of the statement itself or call the credit card issuer to request the proper mailing address.

You might be entitled to refunds of credit balances. When you make a deposit that is over the total amount of credit allowed on your card, you are entitled to have the extra funds added or be issued a refund for the excessive amount of your deposit. Your money must be returned to you within seven business days of your request. If a credit remains on your card for more than 6 months, the issuer must make a good faith effort to send you your monies due.

Keep a close eye out for errors on your billing statement. Many people have a tendency to not notice this. Credit card issuers have the burden to be certain that your statement is correct, as they hold the responsibility to act when corrections are needed and justified. Albeit, many people have noticed that this is not the case in reality. Still consumers must be aware that they have the upper hand and that the law is on their side. Generally you will receive a brochure from your card issuer concerning what the individual rules are for the credit card you have at issue, and again about after every year passes. You might even receive a summary of these rights with your bill. Make sure you are aware of the rules in the long version instead of the smaller “key point” list that may come with your bill.

If you find a problem with your credit card bill, you can have a temporary hold put on the transaction while it is being disputed. If the resolution of the dispute ends in your favor, you will receive a credit for the amount. The dispute can be due for any a number of reasons including having recieved broken goods, services you purchased but did not receive. Remember that you still are responsible for payment of any amounts that are not in dispute on the bill, and that your due dates and the like are not adjusted because of a pending dispute.