No Annual Fee Credit Cards » Credit Applications http://no-annual-fee-credit-cards.org No Annual Fee Credit Cards Thu, 24 May 2012 07:00:00 +0000 en hourly 1 http://wordpress.org/?v=3.3.1 What does it mean when my credit card application was declined due to "Collection"? http://no-annual-fee-credit-cards.org/6377/what-does-it-mean-when-my-credit-card-application-was-declined-due-to-collection/ http://no-annual-fee-credit-cards.org/6377/what-does-it-mean-when-my-credit-card-application-was-declined-due-to-collection/#comments Tue, 09 Nov 2010 00:10:43 +0000 Author

It would be my first credit card application. I asked some friends from work (where I have worked for two years- Best Buy) and they said to apply for a Discover Student Credit Card. I was declined for what they call, "COLLECTION" Does anyone know what this means?


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]]> http://no-annual-fee-credit-cards.org/6377/what-does-it-mean-when-my-credit-card-application-was-declined-due-to-collection/feed/ 5 What places do not take the discover card? http://no-annual-fee-credit-cards.org/6330/what-places-do-not-take-the-discover-card/ http://no-annual-fee-credit-cards.org/6330/what-places-do-not-take-the-discover-card/#comments Mon, 08 Nov 2010 21:29:06 +0000 Author

I'm considering signing up for the Discover Student card. However, I know a lot of places do not take Discover? What are some of these places? Anyone who has Discover, have you ever had trouble purchasing things because the place does not take Discover?


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]]> http://no-annual-fee-credit-cards.org/6330/what-places-do-not-take-the-discover-card/feed/ 0 The place To Discover Debt Consolidation Corporations http://no-annual-fee-credit-cards.org/126/the-place-to-discover-debt-consolidation-corporations/ http://no-annual-fee-credit-cards.org/126/the-place-to-discover-debt-consolidation-corporations/#comments Sat, 23 Oct 2010 11:43:21 +0000 Author Once more once I was in faculty, I made the error of signing up for as many credit card presents as I may find. There have been all the time a bunch of sales reps outdoors of soccer video video games and completely different huge events, and the lure of free swag like t-shirts, hats, water bottles, and even MP3 gamers was just too enticing to move up.

Then once I acquired the bank cards, I started using them to finance a life-style I could not afford. Before I knew it, I owed a whole bunch of dollars, and my minimal funds have been barely making a dent throughout the curiosity charges. This went on for just a few years before I made a decision to try consolidating all of my payments right into a lower month-to-month payment.

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I talked to a credit score score counselor about my scenario, and she was capable of give me the names of some debt consolidation corporations that may help me. Debt consolidation firms concentrate on serving to people repay their payments and get again on their toes by way of quite a lot of options which may be tailor-made to go well with their specific financial circumstances. I used to be in so deep on the time that I had nothing to lose by testing my options.

I went to two totally different debt consolidation corporations to get some enter on my situation. On the first debt consolidation firm I visited, I used to be advised that a mortgage may be my best bet. I would then use the loan to repay my bills, and for the reason that mortgage would carry a lower interest rate than my financial institution playing cards, I may be saving money in the long run. That seemed like a logical technique, nonetheless since I'd nonetheless be caught paying off that mortgage for the next a number of years, my state of affairs would not change all that much.

The second debt consolidation company I went to supplied me a a lot better solution. Instead of simply making an attempt to patch my problems up with a fast loan, they seemed sincerely involved with serving to me restore my finances. That they had been ready to name my creditors to barter lower funds, after which they wanted to help me arrange a budget to see precisely how a lot cash I could devote to paying off my bills. After that, they checked out ways to help me make up the difference.

Collectively, we settled on a compensation plan that I could dwell with, and the debt consolidation firm continued to observe my progress to ensure success.

Lastly, after just a few years of laborious work and strict adherence to my worth vary, I'm now fully debt-free. I couldn't have carried out it on my own, nonetheless, so I'm glad that I was capable of finding good debt consolidation corporations to lend me a hand.

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    ]]>     http://no-annual-fee-credit-cards.org/126/the-place-to-discover-debt-consolidation-corporations/feed/ 0     Learn How To Make Successful Credit Card Applications http://no-annual-fee-credit-cards.org/19/learn-how-to-make-successful-credit-card-applications/ http://no-annual-fee-credit-cards.org/19/learn-how-to-make-successful-credit-card-applications/#comments Sun, 03 Oct 2010 20:48:53 +0000 Author How To Make Successful Credit Card Applications

    If you want to have complete access to the latest services and products that are available then it is important to have credit cards. By using plastic we can get a cheaper price and greater options. It would be very difficult to make an online purchase without using a credit card. To shop in this day and age with flexibility and ease requires an understanding of credit card applications.

    It wasn't so long ago that it was very easy to be given a credit card, but since the recession times have changed. A bank will now look deeper into your credit history and your ability to make the monthly payments.

    If you want to get the best deal then you will need to research the different types of credit cards that are now available as there can be large differences between the interest rates and credit levels of various banks.

    The easiest method to apply for a credit card is on the internet. There is a diverse range of operators online that can legally issue you credit cards. But if you are going to sign up with a company you have never heard of then it may be wise to delve a little in to their background just to ensure that they are not fraudulent.

    When you fill out any credit card application it is vital to be completely honest. If you do not give the right information and are found out, then your cards will be cancelled and legal proceedings may be started against you. In the future it would be much harder to use any credit based services.

    It can be helpful to check out your latest credit rating and report before applying for any credit card as it is this information that a lender will use to approve or turn down your application.

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      ]]>       http://no-annual-fee-credit-cards.org/19/learn-how-to-make-successful-credit-card-applications/feed/ 0       How can contact with credit card Company about my credit card applications? http://no-annual-fee-credit-cards.org/6209/how-can-contact-with-credit-card-company-about-my-credit-card-applications/ http://no-annual-fee-credit-cards.org/6209/how-can-contact-with-credit-card-company-about-my-credit-card-applications/#comments Mon, 27 Sep 2010 00:02:37 +0000 Author

      If at any point I have questions about an application that has already been submitted and want to know about any reward programs provide by company. Then how can contact with credit card Company?


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      ]]>       http://no-annual-fee-credit-cards.org/6209/how-can-contact-with-credit-card-company-about-my-credit-card-applications/feed/ 2       How to Make an application for Credit Card Successfully http://no-annual-fee-credit-cards.org/6063/how-to-make-an-application-for-credit-card-successfully/ http://no-annual-fee-credit-cards.org/6063/how-to-make-an-application-for-credit-card-successfully/#comments Thu, 23 Sep 2010 22:23:26 +0000 Author What You Need To Know Before You Make an application for Credit Card

      Credit has become a part of life. Few people do not have at least one credit card, and the average American has a number of. To increase your probabilities of obtaining approved, you will find a few things you should know before you make an application for credit card provides.

      Very first of all, answer every question about the application. Omitting information such as income or length of time at your existing residence can result in a delay or outright rejection of your application. And answer honestly, since it is really a relatively easy matter for the company to verify your information. Deliberate misinformation can be construed as attempting to acquire credit under false pretenses, or fraud, and is illegal. Although couple of instances are prosecuted for minor infractions, the reason for denial can end up on your credit report. This can lead to difficulties obtaining credit within the future.

      Next, read the questions carefully and respond with the info asked in its entirety. For example, if asked for the complete income of your household, include the income of everyone in the house. Do not forget to include sources of income other than salary, such as structured settlement payments you receive. And when questioned about your commitments, list all of your debts too.

      Lastly, be selective in your applications. Don't fill out a lot of credit applications in a short period of time. Occasionally the application will ask about your applications, but most often the company merely gets the info from your credit report. Excessive applications are viewed as a red flag. It isn't unknown for unscrupulous people to apply for several accounts after which file bankruptcy as soon as they have charged everything to its limit. More frequently, it is not deliberate. Individuals fail to think about how much they will need to spend on their new accounts and discover their debt is out of control. Either way, credit card companies do not like to see several credit requests throughout the past Finally, do not go on a credit card application binge. Applying for as well many various cards can cause your application to be rejected. When the company receives your credit report, they'll be able to determine how many credit applications you have submitted. Creditors do not like to see this for two factors. The first is that on occasion this is a deliberate attempt at fraud. Consumers can receive several cards, make charges as far as their limits allow, after which seek bankruptcy protection. Even innocent consumers who receive as well much credit as well rapidly can rapidly discover themselves in trouble. The payments suddenly come due all at as soon as, and if they have not planned accordingly, they discover themselves unable to

      companies will frequently reject applications if there are as well many other applications for credit in a short time time period. months.

      Credit cards can expedite online purchases and may be invaluable within the event of an emergency. It's nearly not possible to rent a car or book guaranteed reservations at many hotels. When used prudently, they are able to help you over a financial rough spot.

      But credit cars should be utilized wisely. To optimize your chance of being approved for one, remember to fill in every room on the application. Answer all queries and do so honestly. Do not apply for too many charge accounts in as well brief a time period of time. Consider how you're going to pay the bill prior to you apply for any credit card. And maintain in mind that your actions today determine your credit for the next seven years.

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      ]]>       http://no-annual-fee-credit-cards.org/6063/how-to-make-an-application-for-credit-card-successfully/feed/ 0       Question about responses to Online Credit Card Applications? http://no-annual-fee-credit-cards.org/6029/question-about-responses-to-online-credit-card-applications/ http://no-annual-fee-credit-cards.org/6029/question-about-responses-to-online-credit-card-applications/#comments Thu, 23 Sep 2010 02:29:59 +0000 Author

      If you apply for a credit card online, and it does not give you an instant result...but rather says they will notify you with a decision in 5-7 days and gives you a reference number....that is basically a denial correct?


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      ]]>       http://no-annual-fee-credit-cards.org/6029/question-about-responses-to-online-credit-card-applications/feed/ 13       How to use a p.o. box on a credit card application.? http://no-annual-fee-credit-cards.org/5689/how-to-use-a-p-o-box-on-a-credit-card-application/ http://no-annual-fee-credit-cards.org/5689/how-to-use-a-p-o-box-on-a-credit-card-application/#comments Thu, 16 Sep 2010 00:12:55 +0000 Author

      ok... i want a credit card but if i had it sent to my house, and my parents found out they would flip. I want to get the stuff delivered to my p.o. box so that my parents won't find out about it. But the only problem is that on all of the credit card applications, it says "no p.o. boxes" So is there anyway that i could trick it into sending to a p.o. box?


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      ]]>       http://no-annual-fee-credit-cards.org/5689/how-to-use-a-p-o-box-on-a-credit-card-application/feed/ 3       I am a salaried employee, but all my credit card application are denied for insufficient credit history. Help! http://no-annual-fee-credit-cards.org/5340/i-am-a-salaried-employee-but-all-my-credit-card-application-are-denied-for-insufficient-credit-history-help/ http://no-annual-fee-credit-cards.org/5340/i-am-a-salaried-employee-but-all-my-credit-card-application-are-denied-for-insufficient-credit-history-help/#comments Wed, 08 Sep 2010 19:18:03 +0000 Author

      I am not a US citizen; I am a civil engineer from abroad; I have a green card since end of 2005; Accepted my first position in the US last january 2006 with 45K salary. Presently I am in a 60K position. I have a bank account in the US since 2003 and 2 saving accounts since 2006 (totalling more than 15K). My real question is: how can I have a sufficient credit history if all my credit card applications (even from SEARS) are denied for that lack of sufficient credit history?


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      ]]>       http://no-annual-fee-credit-cards.org/5340/i-am-a-salaried-employee-but-all-my-credit-card-application-are-denied-for-insufficient-credit-history-help/feed/ 5       My finacee and I are looking to move out together, with her good credit and my poor credit, is it possible? http://no-annual-fee-credit-cards.org/4918/my-finacee-and-i-are-looking-to-move-out-together-with-her-good-credit-and-my-poor-credit-is-it-possible/ http://no-annual-fee-credit-cards.org/4918/my-finacee-and-i-are-looking-to-move-out-together-with-her-good-credit-and-my-poor-credit-is-it-possible/#comments Tue, 31 Aug 2010 09:39:42 +0000 Author

      My fiancee and I would like to rent a place together. She has excellent credit and an excellent job. In contrast, I have poor credit and I am self employeed. In searching for a place, we are always being asked to fill out 2 Credit Applications. Is there a way to handle this?
      We are hoping that the Lease can be in her name, but is it common for all occupants to fill out a Credit Application?


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      ]]>       http://no-annual-fee-credit-cards.org/4918/my-finacee-and-i-are-looking-to-move-out-together-with-her-good-credit-and-my-poor-credit-is-it-possible/feed/ 3