Online Credit Card Apps Give Instant Feedback
May 8, 2008
One of the biggest advantages of online credit card apps is that they give instant feedback. After you fill out the online credit card apps, you can find out almost instantly if you were approved or not. This is a good way to get a credit card in a hurry. Some places will process your online credit card apps through several companies to increase your chances of securing a credit card if you have poor credit.
Make certain that you fill out everything honestly and to the best of your ability when you are using online credit card apps. This will ensure that you don’t have problems later down the road.
Check that the online credit card apps site is a secure site. You don’t want to send your information that you use for the online credit card apps on server that isn’t encrypted.
Help the World Wildlife Foundation with your credit card
April 10, 2008
If you’re going to use credit cards, why not make sure when you use them you’re helping out charities you really believe in?
Are your charities environmental in nature? Do you love animals? If either of these is true the WWF Visa Card might be right up your alley for your next credit card.
Sure it has the some great features that you’ll find in other credit card offers:
- Intro 0% Fixed APR for up to 12 months*
- No Annual Fee
- Balance Transfer Savings
- Valuable Platinum Services
But what makes this card special is that it gives back to the WWF with every purchase. From the WWF website:
Help the Wild Things Stay Wild
Now there’s a new way to help save endangered species. To date, World Wildlife Fund has received over 10 million dollars through this credit card program in partnership with Chase. With the Whale Visa® card you can enjoy great financial benefits while contributing to WWF conservation efforts. Every time you use your WWF card to make a purchase, WWF receives 1% of the sale.
Even better, you can truly feel you’re going green by filling out the online application for this card instead of wasting paper by filling out a regular application.
Backed by Chase Bank, you can help wildlife worldwide every time you use your credit card.
And if you don’t want a splashy whale tail on your card, you can opt for a tiger or a panda instead. Your favorite wildlife can grace your card and remind you every time you take out your credit card to charge something that you’re helping the WWF do amazing things!
Three ways to go green, credit card style
April 8, 2008
Everyone seems to be going green. Whatever we can do for the environment is great, because every little big helps. So, if you’re looking to make a few changes to help the environment and reduce your paperwork along the way…read on!
- Still receiving paper statements? Go paperless. - Many people are still receiving paper statements from the credit card company. Even people who do most things electronically don’t realize you can have your credit card statements stopped and you can receive them via email. Doing this reduces a lot of paper use, and less trees being cut down for you to get a credit card statement is great for going green.
- Go eco-reward. - Some credit cards that offer rewards allow customers to choose the option of cash donations for environmental groups. Chase BP Visa Rewards Card cardholders can donate their rewards to The Conservation Fund. Users earn 5 percent for every dollar spent at BP service stations G.E.’s Money Earth Rewards Platinum MasterCard allows customers to designate up to 1 percent of their total yearly purchases to buy carbon offsets to fund projects that reduce greenhouse gas emissions. The only way to apply for the card is online, which saves paper. These count as charitable contributions, so don’t forget about your tax deduction!
- Toss your checkbook. - Stop making payments using your checkbook, and start making payments using your computer. You save the paper, but you’ll also save on postage, envelopes, and the gas you’ll use driving to the post office to mail your payments. Some checking account holders use a debit or credit card instead of ever having to order checks - so the paper used to print checks never gets used.
These small steps can be your first toward going green in your life. Baby steps one at a time will take you far over time, and you’ll never feel overwhelmed. Even with credit cards, it’s time to go green.
Want to Compare Credit Card Offers?
November 10, 2005
Don’t know which card to go for?
There are a bunch of sites out there that give you information on credit cards, but many of them rely heavily on advertising. If you don’t want to be blinded by psychedelic banners and annoyed by insistent pop-ups, then try MyRatePlan.com and CreditCards.com — two very helpful and professional-looking sites.
MyRatePlan.com allows you to easily compare features of various cards and even gives them ratings (hence the name). Other sections of the site (comparing flights, loans, hotel rooms, insurance, VoIP, etc.) are also worth investigating.
CreditCards.com might be even more comprehensive — it covers all sorts of credit card categories (low interest, airline miles, balance tranfers, instant approval, etc.).
How Credit Scoring Works
April 10, 2005
The all important credit score! It determines the amount of loan you can get, it determines the interest rate at which you are charged for a loan, etc. Your credit score plays an important figure in your financial life. So what goes into making that all important score of yours? How does it increase, how does it decrease and what are the factors that go into its calculation?
Your credit score is a number that reflects on the likelihood at which you will pay back a loan. Scores range from 350 (high risk) to 950 (low risk). Credit scores do not take into consideration your income, how much savings you have or demographic factors such as gender, race or nationality. Your credit score is affected by your current debt level, your past delinquencies, your credit history and how many times your credit report is pulled up by various agencies. Your score considers both positive and negative information in your credit report. For instance, recorded late payments will lower your credit score while a good track record of making payments on time will raise your credit score. Timely payment of your bills is important to ensure you maintain a good credit score. The amount of balance you have left on your credit card, how many credit card accounts you hold and your use of revolving credit also affect your credit score to a great extent.
Your credit score and credit report is formed on the basis of your credit history and you need to have at least one account which has been open or updated in the past six months to get a credit score. If you do not meet the minimum criteria for getting a score, you may need to establish a credit history prior to applying for a mortgage.
All in all, if you can pay for all your debts in a timely and consistent manner and not take more debt than you can handle, your credit score shouldn’t be able to trouble you in life. So take care and be wise with your finances.
About The Author
Sameer S Panjwani is the CEO and Founder of ChoiceOfHomes.com - Real estate listings of homes on sale and rent. Visit http://www.choiceofhomes.com.
Welcome to Credit Cardenza!
April 9, 2005
Credit Cardenza exists for the sole purpose of helping you find low interest rate credit cards!
This is yet another fine creation of Niner Niner.
Niner Niner is a collaborative media company that pays you, yes you, to blog about your favorite topics!
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