Credit Cards

Why You Need a Credit Card ?

credit card is used for multiple purposes. Firstly, to pay for goods and services even if you don’t have cash in hand. Secondly, it is also used for online transactions. Thirdly, it ensures the safety of the money and saves the customer from the fraudulent transactions. In case your card was stolen or fraudulently used by someone, all you need to do is to notify the concerned bank. The bank makes sure that the money will stay in your account while tracking the suspicious/fraudulent transaction.

Credit Cards

Choosing a credit card for bad credit:

Credit cards for bad credit typically come with low credit limits and high-interest rates. That’s OK for now, because the primary purpose of these cards is to help you build credit or rebuild credit. When choosing a card, focus on:

Reporting to credit bureaus. A card will help you build credit only if it reports your payments to the companies that assemble the credit reports that are the basis of credit scores. Look for a card that reports to all three major credit bureaus. Note that prepaid cards do not report to the credit bureaus because they do not involve borrowing money.

Low fees. Unsecured credit cards for bad credit often boast that you can apply for them with no deposit. But then they hit you with annual fees, maintenance charges and other credit card fees that can easily top $100 a year. Good secured credit cards have either no annual fee or a fairly small one, and no hidden charges. You do pay a deposit — but you can get that money back.

Free credit score. Look for an issuer that provides free access to your score so you can track your progress. Ideally, the issuer would also offer other resources such as debt-payment calculators and free financial education programs.

A path to upgrade. Once your credit improves, it’s nice to be able to convert your account to a card with better terms. If you have a secured card, will the issuer transition you to a regular unsecured card? If you have an unsecured card for bad credit, can you move up to a version with no fees or one that offers rewards?

Rewards Credit Card:

A reward credit card offers its customer to have something back in return. For those customers who shop on regular basis, a wise decision on the part of the credit card helps a lot in the saving domain. Different banks have different reward cards. It is advisable for customers to have a detailed insight on the rewards credit card and choose the best.
Credit Cards

How to Apply

Clicking the “Contact Us button for a card takes you to the Contact page. You’ll usually have to provide your name, address, phone number and email address. Your Social Security number is necessary to check your credit and for government financial reporting rules. The application will usually ask about your income as well.

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