Swipe Away With Secured Credit Cards
There is a reason why it is called a secured credit card in the first place. It is the best way to deal with your expenses and at the same time enhance your credit history. In addition to that, with the modern society taking its toll nowadays, you can surely make use of that credit card whenever and wherever.
A credit card has moved a level higher. It is what most airlines, car rentals, hotels, restaurants and stores are looking for in order for you to be able to utilize their services and purchase their products. It is also a great way to keep yourself secured by not having to carry with you bills. It offers safety and convenience that you can enjoy all the time.
However, the catch is being able to find the right company that offers a secured credit card with a deal that is worthwhile. If you come to think of it, the search may tend to be long and discouraging because of having to consider a lot of option. But as long as you have the determination and information needed to get the credit card in your hands then taking time to decide would not be a problem for you.
So basically what happens is this. If in case you have a poor credit history because of past missed deadlines or if you have not even had a credit card before then you will most likely not be qualified to avail of the regular credit card. The option left for you is to opt for a secured one. In a secured credit card, anything and everything that you use this card for will be immediately backed up by your own personal money. That money is in a bank account which will be linked to your credit card line.
But if you want a shortcut and get pass all the hustle and bustle, you can right away apply for a Visa or Master Card. These are the major and most trusted secured credit cards available at your expense since these are accepted almost everywhere.
Now what are you waiting for? Fund that bank account, apply for a secured credit card and get to enjoy all the perks you want with just a simple swipe.
Categories: Credit Score Articles Tags: Away, Cards, Credit, credit cards, Secured, secured credit cards
101 Most Effective Credit Repair Tips to Increase Your Score Right Away + Plus Bonus
101 Most Effective Credit Repair Tips to Increase Your Score Right Away + Plus Bonus
101 WAYS TO DECREASE YOUR DEBT AND INCREASE YOUR CREDIT
1. Pay your bills first: It’s important to put the money aside to pay your bills as soon as you get paid. That way you will be sure to have enough money to pay them. Don’t go out and buy things, not even groceries until you’ve put the money aside for your bills. Most of your day to day expenses are likely to have some flexibility in them, you can limit how much you spend on coffee a day or buy a less expensive cut of meat, but the power company wants all their money.
2. Make your payments on time: Every late payment can hurt you, and in more than one way. Many utility companies report your payments to the credit reporting agencies, so a history of late payments can hurt your credit score. It also costs you more if you pay late. Late fees may be small but when you’re working on reducing debt, every dollar counts. Three dollars a month in late payment charges on three bills works out to over a hundred dollars a year.
3. Write down what you spend: Managing and paying down debt is all about taking control of your money. You can’t control what you don’t know, so it’s important to keep a journal of how much you are spending and what you’re spending it on. Do it before you make your budget and you’ll be able to see what you really do spend money on, rather than guessing and coming up short because you forgot to account for something when you wrote up the budget.
4. Know your credit report: Your credit report is your scorecard in the fight against bad credit. If you don’t know where you stand it’s hard to move forward. Most countries let consumers see their reports for free at least once a year. Take advantage of this, you might find a debt on there that you already paid which wasn’t reported to the agency. Reports of unpaid debts can really hurt your credit, so it’s important to make sure those are accurate.
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