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Casual Articles - How To Get A Credit Card No Matter How Bad Your Credit Rating
We're not talking your untimely end, of course, but the slow death of your website! Maybe you're all too familiar with the scenario?Website ranks on page one of your favourite search engine. Before you can give yourself a much-deserved slap on the back it slips a little, then slides some more. Page one is just a distant memory as page two gives way to page three... Finally you sink so low the only way left is up.So what's gone wrong? The website looks good, has great content and you've correctly identified the market niche. There are appropriate keywords in the 'title', 'alt' and 'H1' and 'H2' tags, and you've also sprinkled them throughout each page at a reasonable density level, with the odd 'b' tag thrown in for good measure.The truth is you've done nothing wrong, at least in terms of on-page optimization. Nowadays, though, it's very much less than half the battle. Very much less. Once upon-a-time, before Google and PageRank, on-page optimization was all you needed to rank highly in the search engines. Not any more.Now 'off-page' optimization, or links to be more precise, is everything. And without links, either one-way or reciprocal, your link popularity stays at zero and you won't rank for any competitive keyword or phrase.The concept is devilishly simple from the search engine's point of view. Every link is a thumbs-up or 'vote' for the page it points to. In simp
===============
A Secured Card
===============
If you decide you really need and want a credit card despite your past problems with credit, you should get what is called a secured credit card. Even people who have declared bankruptcy are granted secured cards.
A secured card works this way: you pay a lump sum of cash upfront either to your bank or the card company itself, usually from $200 to $2,500. The card company will then grant your credit for up to 150 percent of the amount of your deposit. If you pony up $500, you will be granted a $750 credit line. If you put up $1,000, you will get $1,500 in credit, and so on.
Your deposit money will earn a very nice 4 to 5 percent interest while it is held as collateral by your bank or the card company. The deposit money acts like a buffer for the lender. In the event you default on your card debt, the lender gets to keep your money. They may still incur a net loss, but the risk is far less.
Additionally, the interest you gain on your deposit will offset the interest on your monthly balance if you have one. If you get a secured card with an 18 percent interest rate, you can feel good about the fact that your pre-payment is earning 5 percent.
Which card companies offer secured credit card plans?
The following:
(At the time of writing, these details are correct. If they change by any chance, you'll have to look up the institutions in the Yellow Pages, or simply do a search online.)
CitiBank -- Minimum deposit is $300, which earns 4%.
Call: 800-933-2484
Federal Savings Bank -- Minimum deposit is $250, which earn 2.5%.
Call 800-285-9090
Orchard Bank -- Minimum deposit is $400, which pays 4%
Call 800-873-7307
Key Federal -- Minimum deposit is $300, which earns from 4% to 5%.
Call 800-228-2230
Signet Bank -- Minimum deposit is $200, which earns 5%.
Call 800-333-7116.
Using a secured credit card can also help repair your credit rating if you use it responsibly over a number of years.
Even if you do not have bad credit, a secured credit card is recommended for anyone who wants the safety and convenience of a credit card. Secured cards are a
Exporting provides an equal number of opportunities and challenges for businesses. Good financial practices help exporters avoid the pitfalls of a market economy and set them on a path to growth. This article discusses best exporting financial practices and how you can source funds for your export business.Loans:Getting loans in the export business can be difficult, since banks do not accept foreign-based assets as collateral and are generally suspicious of any foreign business entity that is not a well-known company. Small businesses withstand the worst of this suspicion. The Small Business Administration Export Assistance Program is one that is helpful to many small businesses looking to enter the export market. You can also approach private lenders and banks. Ex-Im Bank, for example, offers export loans to companies with less than 500 employees. Most US government agencies do not provide loans to exporters; they simply help exporters obtain loans from other sources.Loans on Receivables:Consider using receivables as collateral. These kinds of loans are sanctioned more quickly, so they are ideal for long-term loans when you need funds urgently. Many banks opt for recourse lending when extending loans against receivable, as refund is guaranteed even if the banks cannot collect money from offshore entities.Disadvantage of Recourse Loans:If you want to sell off the recei
All of the above can block your access to obtaining a major credit card, such as VISA or Mastercard.
But bad credit is not the only reason you can be denied a major credit card. Some people simply have never used credit. People who like to pay cash only, have never financed a car, taken out a college loan, or a mortgage may have zero experience with credit. In that case, most card companies will reject your application, not because you have bad credit -- but because you have no credit rating.
Many women who marry young and do all their borrowing under their husband's name often find themselves with no credit rating after they are widowed or divorced. Thousands of women have been denied loans and credit cards on that basis.
Still other people carry too much debt to be considered a good risk. If you have a car loan, a student loan, a mortgage, two or three -- out cards, you are unlikely to be granted another credit card.
But in any and all of the above cases, you can still obtain a credit card. No matter how bad your credit, and even if you have declared bankruptcy, you can still be granted a VISA or Mastercard with a limit as high as $5,000, if you know the right company to call, and how to make your application.
We are going to reveal these card companies and the methods by which you can obtain a VISA or Mastercard later in this report, but first, let's talk about some of the other things you really should know about credit cards, including annual fees, interest rates, credit reports and more.
==================
Your Credit Rating
==================
How do credit card companies decide if you are a good credit risk or a bad credit risk? Well, it's sort of a Big Brother thing. There are several large agencies in America which track the borrowing and buying behavior of just about every single American who has borrowed money at one time or another.
The four major credit rating agencies are:
CSC Credit Service :: (Phone: 800-392-7816)
TRW Information Sys. :: (Phone: 800-392-1122)
Equifax :: (Phone: 800-685-1111)
Trans Union Corp. :: (Phone: 800-851-2674)
When you send in an application for a credit card, the card company contacts one of the above agencies, which pulls your file, if one exists, and let's the company know if you have any bad debts in your background.
If you have never borrowed money or used credit of any kind, your name will not appear in the data base of any of the above. If you have, there will almost certainly be information about you. If you have ever defaulted on a bill, or walked away from a debt owed, that information will be available. If you have never defaulted on a loan, but have made frequent late payments, that is recorded, too, and goes against your credit rating.
======================
25 Percent Error Rate
======================
If this sounds a bit like Big Brother, most would agree with you that it is. It's scary to think that some large anonymous corporation is keeping a file on you, but it's true. Furthermore, they will share your file with any lending institution that wants to know something about you. That's the price you pay to obtain credit. You've heard the statement, "there ain't no such thing as a free lunch."
When it comes to the game of credit, the lunch is definitely not free, neither in the monetary sense, or in the realm of personal freedom.
To top things off, credit agencies make errors in as many as one-fourth (25 percent) of all their reports. At this minute, false information about you may be ruining your credit rating.
To check your credit rating for errors, call the agencies at the numbers I provided above. They will request that you send them a written letter asking for a copy of your credit report. They will send you a copy of the information they have about you.
Now let's look at how card companies make the big bucks -- interest rates.
===============
Interest Rates
===============
A few decades ago there were laws against charging the kinds of interest rates credit cards get today. Exorbitantly high interest rates were called "usury," and were forbidden by federal law. Just 30 years ago loaning money at 20 percent would have landed any banker in prison. Such rates were the territory of loan sharks and organized crime.
Today, however, it's standard business. Some cards have rates approaching 21 percent. Some product manufacturers, such as Apple Computer, have credit plans that push a whopping 23 percent.
Most credit card companies attract customers with super low interest rates, sometimes as easy as 5 percent. But what they only tell you in the fine print, which few people bother to read, it that the interest rate jumps back up after six months. Many cards that start you out at 6 percent soon jump to 18 percent, or higher. By that time, most people have chalked up a balance and are stuck. Most people simply fail to notice when their rate increases. Credit card companies count on that. They like who take no interest in details. If you don't watch them, they'll watch you -- and your wallet -- and dip into it in the most insidious ways.
====================
No Annual Fee Cards
====================
Some credit card companies charge no annual fee for use of their card. Annual fees range from $18 to $55. You pay it every year simply for the privilege of using the card. Other companies charge no annual fee. You might think, then, that this is a better deal. Most often they are not. Cards with no annual fee almost always have a higher interest rate. If you leave a monthly balance, you'll always pay more than the annual fee in interest charges. Only if you never leave an unpaid monthly balance can you benefit form a card with no annual fee.
==================
Perks and Freebies
==================
One of those insidious ways is the offer such perks as frequent flier miles or annual rebates. Use the card so often, and get X amount of frequent flier miles. Use your card, and get credit toward the purchase of an automobile. Is this a good deal? Hardly ever. As you might have guessed, the offer of rebates and gifts is simply an inducement for you to pay super high interest rates. Unless you are a big spender and travel a lot, you'll rarely benefit from this kind of promotion.
==========
Be Choosy
==========
In short, never sign up for a credit card until you compare rates. Shop around. Credit card companies are just as competitive as any other kind of business. That means interest rates that vary widely. In general, never go for a card that is five percent higher than the current prime rate.
========================
How To Get A Lower Rate
========================
What if you are already on the hook with a major credit card with an agonizing rate of interest? Pick up the phone, call your card company, and get tough. Often, if you ask for a lower interest rate, you'll get one -- it's as simple as that.
As further incentive, you can threaten to transfer your balance to another card company with a lower rate. Many card companies are more than willing to take you on as a customer by paying off one of their competitors for you. Of course, you are then beholden to them. That's okay if you score a lower interest rate.
=================================
How Anyone Can Get a Credit Card
=================================
Now what about all of you "hopeless cases" out there. What if you have deplorable credit, or no credit rating at all. You may have already been turned down by a half-dozen card companies. What can you do?
First, you should think long and hard about why you want a credit card in the first place. If you have a history of bad credit, a credit card may be the last thing you need. Many people feel that credit cards and the debt they lead people into is a modern form of slavery.
Credit cards are almost magically deceptive and alluring. They get at the deepest psychological lever of the human mind -- a lever which allows people to have the feeling they are getting something for free, when in fact, they are paying two, three, four, even ten times as much for that product because of the interest they will pay on each purchase.
On the other hand, not having a credit card is becoming less and less practical in modern America. You can't rent a car without a credit card. Carrying cash is dangerous. Checks are not accepted everywhere -- and traveling to another city or country is extremely difficult without the confidence and identity a credit card brings.
===============
A Secured Card
===============
If you decide you really need and want a credit card despite your past problems with credit, you should get what is called a secured credit card. Even people who have declared bankruptcy are granted secured cards.
A secured card works this way: you pay a lump sum of cash upfront either to your bank or the card company itself, usually from $200 to $2,500. The card company will then grant your credit for up to 150 percent of the amount of your deposit. If you pony up $500, you will be granted a $750 credit line. If you put up $1,000, you will get $1,500 in credit, and so on.
Your deposit money will earn a very nice 4 to 5 percent interest while it is held as collateral by your bank or the card company. The deposit money acts like a buffer for the lender. In the event you default on your card debt, the lender gets to keep your money. They may still incur a net loss, but the risk is far less.
Additionally, the interest you gain on your deposit will offset the interest on your monthly balance if you have one. If you get a secured card with an 18 percent interest rate, you can feel good about the fact that your pre-payment is earning 5 percent.
Which card companies offer secured credit card plans?
The following:
(At the time of writing, these details are correct. If they change by any chance, you'll have to look up the institutions in the Yellow Pages, or simply do a search online.)
CitiBank -- Minimum deposit is $300, which earns 4%.
Call: 800-933-2484
Federal Savings Bank -- Minimum deposit is $250, which earn 2.5%.
Call 800-285-9090
Orchard Bank -- Minimum deposit is $400, which pays 4%
Call 800-873-7307
Key Federal -- Minimum deposit is $300, which earns from 4% to 5%.
Call 800-228-2230
Signet Bank -- Minimum deposit is $200, which earns 5%.
Call 800-333-7116.
Using a secured credit card can also help repair your credit rating if you use it responsibly over a number of years.
Even if you do not have bad credit, a secured credit card is recommended for anyone who wants the safety and convenience of a credit card. Secured cards are a s
Often considered as “plain Jane’s” of the print world, trade magazines prove that there is more to a market than just a pretty face.Trade magazines are written for a specialized audience and typically focus on one specific area or industry. Even the ads reflect this focus.They assume the reader is familiar with the material that’s covered and though it can be quite technical, they aren’t usually written in a scholarly manner – this is good news for writers seeking to ad power clips to their portfolios.Trade magazines provide a large, open and lucrative market for freelance writers because with so many competing magazines there is always a huge need for content and being an expert isn’t a prerequisite for industry publication.Try putting “trade magazines” into a search engine such as Google.com and you get well over 250,000 hits. Now try “consumer magazines.” At 86,000 hits it’s easy to see where the markets lie.Now is the time! There are literally thousands of FREE trade magazines available by subscription on the Internet and more become available every day. They cover every subject and every angle imaginable. They are also some of the best paying markets in the business.Get Your Money Where Your Trade Is Or Isn’t!You don’t need to be an expert to get published in trade magazines as long as you are very familiar with what your target magazine is buying. (Phone: 800-392-1122)
Equifax :: (Phone: 800-685-1111)
Trans Union Corp. :: (Phone: 800-851-2674)
When you send in an application for a credit card, the card company contacts one of the above agencies, which pulls your file, if one exists, and let's the company know if you have any bad debts in your background.
If you have never borrowed money or used credit of any kind, your name will not appear in the data base of any of the above. If you have, there will almost certainly be information about you. If you have ever defaulted on a bill, or walked away from a debt owed, that information will be available. If you have never defaulted on a loan, but have made frequent late payments, that is recorded, too, and goes against your credit rating.
======================
25 Percent Error Rate
======================
If this sounds a bit like Big Brother, most would agree with you that it is. It's scary to think that some large anonymous corporation is keeping a file on you, but it's true. Furthermore, they will share your file with any lending institution that wants to know something about you. That's the price you pay to obtain credit. You've heard the statement, "there ain't no such thing as a free lunch."
When it comes to the game of credit, the lunch is definitely not free, neither in the monetary sense, or in the realm of personal freedom.
To top things off, credit agencies make errors in as many as one-fourth (25 percent) of all their reports. At this minute, false information about you may be ruining your credit rating.
To check your credit rating for errors, call the agencies at the numbers I provided above. They will request that you send them a written letter asking for a copy of your credit report. They will send you a copy of the information they have about you.
Now let's look at how card companies make the big bucks -- interest rates.
===============
Interest Rates
===============
A few decades ago there were laws against charging the kinds of interest rates credit cards get today. Exorbitantly high interest rates were called "usury," and were forbidden by federal law. Just 30 years ago loaning money at 20 percent would have landed any banker in prison. Such rates were the territory of loan sharks and organized crime.
Today, however, it's standard business. Some cards have rates approaching 21 percent. Some product manufacturers, such as Apple Computer, have credit plans that push a whopping 23 percent.
Most credit card companies attract customers with super low interest rates, sometimes as easy as 5 percent. But what they only tell you in the fine print, which few people bother to read, it that the interest rate jumps back up after six months. Many cards that start you out at 6 percent soon jump to 18 percent, or higher. By that time, most people have chalked up a balance and are stuck. Most people simply fail to notice when their rate increases. Credit card companies count on that. They like who take no interest in details. If you don't watch them, they'll watch you -- and your wallet -- and dip into it in the most insidious ways.
====================
No Annual Fee Cards
====================
Some credit card companies charge no annual fee for use of their card. Annual fees range from $18 to $55. You pay it every year simply for the privilege of using the card. Other companies charge no annual fee. You might think, then, that this is a better deal. Most often they are not. Cards with no annual fee almost always have a higher interest rate. If you leave a monthly balance, you'll always pay more than the annual fee in interest charges. Only if you never leave an unpaid monthly balance can you benefit form a card with no annual fee.
==================
Perks and Freebies
==================
One of those insidious ways is the offer such perks as frequent flier miles or annual rebates. Use the card so often, and get X amount of frequent flier miles. Use your card, and get credit toward the purchase of an automobile. Is this a good deal? Hardly ever. As you might have guessed, the offer of rebates and gifts is simply an inducement for you to pay super high interest rates. Unless you are a big spender and travel a lot, you'll rarely benefit from this kind of promotion.
==========
Be Choosy
==========
In short, never sign up for a credit card until you compare rates. Shop around. Credit card companies are just as competitive as any other kind of business. That means interest rates that vary widely. In general, never go for a card that is five percent higher than the current prime rate.
========================
How To Get A Lower Rate
========================
What if you are already on the hook with a major credit card with an agonizing rate of interest? Pick up the phone, call your card company, and get tough. Often, if you ask for a lower interest rate, you'll get one -- it's as simple as that.
As further incentive, you can threaten to transfer your balance to another card company with a lower rate. Many card companies are more than willing to take you on as a customer by paying off one of their competitors for you. Of course, you are then beholden to them. That's okay if you score a lower interest rate.
=================================
How Anyone Can Get a Credit Card
=================================
Now what about all of you "hopeless cases" out there. What if you have deplorable credit, or no credit rating at all. You may have already been turned down by a half-dozen card companies. What can you do?
First, you should think long and hard about why you want a credit card in the first place. If you have a history of bad credit, a credit card may be the last thing you need. Many people feel that credit cards and the debt they lead people into is a modern form of slavery.
Credit cards are almost magically deceptive and alluring. They get at the deepest psychological lever of the human mind -- a lever which allows people to have the feeling they are getting something for free, when in fact, they are paying two, three, four, even ten times as much for that product because of the interest they will pay on each purchase.
On the other hand, not having a credit card is becoming less and less practical in modern America. You can't rent a car without a credit card. Carrying cash is dangerous. Checks are not accepted everywhere -- and traveling to another city or country is extremely difficult without the confidence and identity a credit card brings.
===============
A Secured Card
===============
If you decide you really need and want a credit card despite your past problems with credit, you should get what is called a secured credit card. Even people who have declared bankruptcy are granted secured cards.
A secured card works this way: you pay a lump sum of cash upfront either to your bank or the card company itself, usually from $200 to $2,500. The card company will then grant your credit for up to 150 percent of the amount of your deposit. If you pony up $500, you will be granted a $750 credit line. If you put up $1,000, you will get $1,500 in credit, and so on.
Your deposit money will earn a very nice 4 to 5 percent interest while it is held as collateral by your bank or the card company. The deposit money acts like a buffer for the lender. In the event you default on your card debt, the lender gets to keep your money. They may still incur a net loss, but the risk is far less.
Additionally, the interest you gain on your deposit will offset the interest on your monthly balance if you have one. If you get a secured card with an 18 percent interest rate, you can feel good about the fact that your pre-payment is earning 5 percent.
Which card companies offer secured credit card plans?
The following:
(At the time of writing, these details are correct. If they change by any chance, you'll have to look up the institutions in the Yellow Pages, or simply do a search online.)
CitiBank -- Minimum deposit is $300, which earns 4%.
Call: 800-933-2484
Federal Savings Bank -- Minimum deposit is $250, which earn 2.5%.
Call 800-285-9090
Orchard Bank -- Minimum deposit is $400, which pays 4%
Call 800-873-7307
Key Federal -- Minimum deposit is $300, which earns from 4% to 5%.
Call 800-228-2230
Signet Bank -- Minimum deposit is $200, which earns 5%.
Call 800-333-7116.
Using a secured credit card can also help repair your credit rating if you use it responsibly over a number of years.
Even if you do not have bad credit, a secured credit card is recommended for anyone who wants the safety and convenience of a credit card. Secured cards are a
Ewen Chia has just launched his new product – Autopilot Profits. In this review, I will list the pros and cons of this autopilot opportunity.There are lots of hype on the internet. But truly, there are only a few proven ways to earn real money online. Affiliate marketing is one of them and is considered as one of the best business model to adopt if you want to have a long term business. Ewen Chia has already done it and is now making a fortune at an ever increasing pace. Almost two years after his launch of the Secret Affiliate Weapon, he is coming up with a new autopilot system which promises a “set and forget” strategy to earn money online.In this new Autopilot Profits, it is advertised as an plug and play system which promises the possibility to earn money right away as opposed to the usual belief that you need time to set up the system. I really don't think that it is possible for a newbie to earn lots of money immediately simply because there is a learning curve for every new ideas you are exposed to. Don't get me wrong, almost all his marketing strategies are revealed in this system. Therefore, even a newbie will benefit greatly from this ready made system as he really teach you step by step on how to market a product.All in all, everything needed to set up the Autopilot Profits system is being taken of. And it is selling at an incredibly low price of $27. I am really amazed at how
Today, however, it's standard business. Some cards have rates approaching 21 percent. Some product manufacturers, such as Apple Computer, have credit plans that push a whopping 23 percent.
Most credit card companies attract customers with super low interest rates, sometimes as easy as 5 percent. But what they only tell you in the fine print, which few people bother to read, it that the interest rate jumps back up after six months. Many cards that start you out at 6 percent soon jump to 18 percent, or higher. By that time, most people have chalked up a balance and are stuck. Most people simply fail to notice when their rate increases. Credit card companies count on that. They like who take no interest in details. If you don't watch them, they'll watch you -- and your wallet -- and dip into it in the most insidious ways.
====================
No Annual Fee Cards
====================
Some credit card companies charge no annual fee for use of their card. Annual fees range from $18 to $55. You pay it every year simply for the privilege of using the card. Other companies charge no annual fee. You might think, then, that this is a better deal. Most often they are not. Cards with no annual fee almost always have a higher interest rate. If you leave a monthly balance, you'll always pay more than the annual fee in interest charges. Only if you never leave an unpaid monthly balance can you benefit form a card with no annual fee.
==================
Perks and Freebies
==================
One of those insidious ways is the offer such perks as frequent flier miles or annual rebates. Use the card so often, and get X amount of frequent flier miles. Use your card, and get credit toward the purchase of an automobile. Is this a good deal? Hardly ever. As you might have guessed, the offer of rebates and gifts is simply an inducement for you to pay super high interest rates. Unless you are a big spender and travel a lot, you'll rarely benefit from this kind of promotion.
==========
Be Choosy
==========
In short, never sign up for a credit card until you compare rates. Shop around. Credit card companies are just as competitive as any other kind of business. That means interest rates that vary widely. In general, never go for a card that is five percent higher than the current prime rate.
========================
How To Get A Lower Rate
========================
What if you are already on the hook with a major credit card with an agonizing rate of interest? Pick up the phone, call your card company, and get tough. Often, if you ask for a lower interest rate, you'll get one -- it's as simple as that.
As further incentive, you can threaten to transfer your balance to another card company with a lower rate. Many card companies are more than willing to take you on as a customer by paying off one of their competitors for you. Of course, you are then beholden to them. That's okay if you score a lower interest rate.
=================================
How Anyone Can Get a Credit Card
=================================
Now what about all of you "hopeless cases" out there. What if you have deplorable credit, or no credit rating at all. You may have already been turned down by a half-dozen card companies. What can you do?
First, you should think long and hard about why you want a credit card in the first place. If you have a history of bad credit, a credit card may be the last thing you need. Many people feel that credit cards and the debt they lead people into is a modern form of slavery.
Credit cards are almost magically deceptive and alluring. They get at the deepest psychological lever of the human mind -- a lever which allows people to have the feeling they are getting something for free, when in fact, they are paying two, three, four, even ten times as much for that product because of the interest they will pay on each purchase.
On the other hand, not having a credit card is becoming less and less practical in modern America. You can't rent a car without a credit card. Carrying cash is dangerous. Checks are not accepted everywhere -- and traveling to another city or country is extremely difficult without the confidence and identity a credit card brings.
===============
A Secured Card
===============
If you decide you really need and want a credit card despite your past problems with credit, you should get what is called a secured credit card. Even people who have declared bankruptcy are granted secured cards.
A secured card works this way: you pay a lump sum of cash upfront either to your bank or the card company itself, usually from $200 to $2,500. The card company will then grant your credit for up to 150 percent of the amount of your deposit. If you pony up $500, you will be granted a $750 credit line. If you put up $1,000, you will get $1,500 in credit, and so on.
Your deposit money will earn a very nice 4 to 5 percent interest while it is held as collateral by your bank or the card company. The deposit money acts like a buffer for the lender. In the event you default on your card debt, the lender gets to keep your money. They may still incur a net loss, but the risk is far less.
Additionally, the interest you gain on your deposit will offset the interest on your monthly balance if you have one. If you get a secured card with an 18 percent interest rate, you can feel good about the fact that your pre-payment is earning 5 percent.
Which card companies offer secured credit card plans?
The following:
(At the time of writing, these details are correct. If they change by any chance, you'll have to look up the institutions in the Yellow Pages, or simply do a search online.)
CitiBank -- Minimum deposit is $300, which earns 4%.
Call: 800-933-2484
Federal Savings Bank -- Minimum deposit is $250, which earn 2.5%.
Call 800-285-9090
Orchard Bank -- Minimum deposit is $400, which pays 4%
Call 800-873-7307
Key Federal -- Minimum deposit is $300, which earns from 4% to 5%.
Call 800-228-2230
Signet Bank -- Minimum deposit is $200, which earns 5%.
Call 800-333-7116.
Using a secured credit card can also help repair your credit rating if you use it responsibly over a number of years.
Even if you do not have bad credit, a secured credit card is recommended for anyone who wants the safety and convenience of a credit card. Secured cards are a
Unfortunately, one of the realities of internet business is the scam, schemes gimmicks, and cons. Of course, scams, schemes, and such have been around long before the internet, but just like the internet has increased and facilitated genuine business, the internet has also helped black-hat confidence men spread their dirty scams and schemes.Most of the schemes fall under the categories of ponzi, pyramid, or MLM (multi-level-marketing). A ponzi scheme is a scheme in which "members" join by paying a fee, told that they will receive an income without working, but the income is paid by giving them a portion of other members fees. Many people are familiar with a pyramid scheme or MLM. Both are flawed business models, in which "sponsors" are paid commissions off the sales of other people they recruit into the scheme, both directly and indirectly. Most pyramid schemes and MLM don't even really sell a product; Instead they just sell "start-up" packages. The inherent flaw of the pyramid scheme is that it continuously needs exponentially more sellers to sponsor. Eventually, the pyramid collapses, leaving all but the few con men at the top broke.One thing I always recommend against is using any program that claims you can make easy money online fast with a small fee. There's a lot of scams out there that say you can make money taking surveys, entering data, stuffing envelopes, or etc. T
In short, never sign up for a credit card until you compare rates. Shop around. Credit card companies are just as competitive as any other kind of business. That means interest rates that vary widely. In general, never go for a card that is five percent higher than the current prime rate.
========================
How To Get A Lower Rate
========================
What if you are already on the hook with a major credit card with an agonizing rate of interest? Pick up the phone, call your card company, and get tough. Often, if you ask for a lower interest rate, you'll get one -- it's as simple as that.
As further incentive, you can threaten to transfer your balance to another card company with a lower rate. Many card companies are more than willing to take you on as a customer by paying off one of their competitors for you. Of course, you are then beholden to them. That's okay if you score a lower interest rate.
=================================
How Anyone Can Get a Credit Card
=================================
Now what about all of you "hopeless cases" out there. What if you have deplorable credit, or no credit rating at all. You may have already been turned down by a half-dozen card companies. What can you do?
First, you should think long and hard about why you want a credit card in the first place. If you have a history of bad credit, a credit card may be the last thing you need. Many people feel that credit cards and the debt they lead people into is a modern form of slavery.
Credit cards are almost magically deceptive and alluring. They get at the deepest psychological lever of the human mind -- a lever which allows people to have the feeling they are getting something for free, when in fact, they are paying two, three, four, even ten times as much for that product because of the interest they will pay on each purchase.
On the other hand, not having a credit card is becoming less and less practical in modern America. You can't rent a car without a credit card. Carrying cash is dangerous. Checks are not accepted everywhere -- and traveling to another city or country is extremely difficult without the confidence and identity a credit card brings.
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A Secured Card
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If you decide you really need and want a credit card despite your past problems with credit, you should get what is called a secured credit card. Even people who have declared bankruptcy are granted secured cards.
A secured card works this way: you pay a lump sum of cash upfront either to your bank or the card company itself, usually from $200 to $2,500. The card company will then grant your credit for up to 150 percent of the amount of your deposit. If you pony up $500, you will be granted a $750 credit line. If you put up $1,000, you will get $1,500 in credit, and so on.
Your deposit money will earn a very nice 4 to 5 percent interest while it is held as collateral by your bank or the card company. The deposit money acts like a buffer for the lender. In the event you default on your card debt, the lender gets to keep your money. They may still incur a net loss, but the risk is far less.
Additionally, the interest you gain on your deposit will offset the interest on your monthly balance if you have one. If you get a secured card with an 18 percent interest rate, you can feel good about the fact that your pre-payment is earning 5 percent.
Which card companies offer secured credit card plans?
The following:
(At the time of writing, these details are correct. If they change by any chance, you'll have to look up the institutions in the Yellow Pages, or simply do a search online.)
CitiBank -- Minimum deposit is $300, which earns 4%.
Call: 800-933-2484
Federal Savings Bank -- Minimum deposit is $250, which earn 2.5%.
Call 800-285-9090
Orchard Bank -- Minimum deposit is $400, which pays 4%
Call 800-873-7307
Key Federal -- Minimum deposit is $300, which earns from 4% to 5%.
Call 800-228-2230
Signet Bank -- Minimum deposit is $200, which earns 5%.
Call 800-333-7116.
Using a secured credit card can also help repair your credit rating if you use it responsibly over a number of years.
Even if you do not have bad credit, a secured credit card is recommended for anyone who wants the safety and convenience of a credit card. Secured cards are a
One of the main goals of newsletters is to inform subscribers of news and events and urge them to visit your website for more information. They are essential items in any online promotion strategy, and you won't find a single major website that doesn't use this marketing tool to their advantage. Apart from other important elements that determine the success of a newsletter, such as the informational value, graphic aspect and user friendliness, there is another item that many webmasters and newsletter publishers overlook is the tone of voice of their newsletter.Addressing Your AudienceAs with any advertising campaign, a newsletter should have a very clear target. In other words, the person writing the newsletter should have a precise audience they are writing for. The writer has to address the needs and expectations of the target audience. If your public is formed mostly of people new to the Internet or to any high tech topics you might have, try to adapt the tone of voice to that. Make sure to place small explanations of less popular terms, even if you or the writer know exactly what they mean. Acronyms such as HTML or LCD or any other "techy" terms should have a parenthesis explaining what the letters mean.Adapt your Message to the ReadersThe form and content of the newsletter should always be flexible enough to adapt to your major subscriber group. If you run a surfi
===============
A Secured Card
===============
If you decide you really need and want a credit card despite your past problems with credit, you should get what is called a secured credit card. Even people who have declared bankruptcy are granted secured cards.
A secured card works this way: you pay a lump sum of cash upfront either to your bank or the card company itself, usually from $200 to $2,500. The card company will then grant your credit for up to 150 percent of the amount of your deposit. If you pony up $500, you will be granted a $750 credit line. If you put up $1,000, you will get $1,500 in credit, and so on.
Your deposit money will earn a very nice 4 to 5 percent interest while it is held as collateral by your bank or the card company. The deposit money acts like a buffer for the lender. In the event you default on your card debt, the lender gets to keep your money. They may still incur a net loss, but the risk is far less.
Additionally, the interest you gain on your deposit will offset the interest on your monthly balance if you have one. If you get a secured card with an 18 percent interest rate, you can feel good about the fact that your pre-payment is earning 5 percent.
Which card companies offer secured credit card plans?
The following:
(At the time of writing, these details are correct. If they change by any chance, you'll have to look up the institutions in the Yellow Pages, or simply do a search online.)
CitiBank -- Minimum deposit is $300, which earns 4%.
Call: 800-933-2484
Federal Savings Bank -- Minimum deposit is $250, which earn 2.5%.
Call 800-285-9090
Orchard Bank -- Minimum deposit is $400, which pays 4%
Call 800-873-7307
Key Federal -- Minimum deposit is $300, which earns from 4% to 5%.
Call 800-228-2230
Signet Bank -- Minimum deposit is $200, which earns 5%.
Call 800-333-7116.
Using a secured credit card can also help repair your credit rating if you use it responsibly over a number of years.
Even if you do not have bad credit, a secured credit card is recommended for anyone who wants the safety and convenience of a credit card. Secured cards are a safe, responsible way to control your spending, and you actually earn money though interest on your deposit while you enjoy the use of your card.
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