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Applying for a Credit Card?  by: Richard Gilliland Three major credit bureau's keep information on your credit history. You should locate some of these companies and find out what is in your credit report before trying to determine a credit card that suits you. You can find some free credit reports here. If you are denied a credit card, the company who denied you is required to tell you the name, address and phone number of the company who they recieved the credit report from. You can notify this company within 30 days of recieving your denial notice in order to see what is affecting your credit. The higher your credit score.the more risk you are to lenders. With a low credit score most will consider you a bad risk therefore will not generally approve you for a credit card or loan. If you have a bad credit history there are a few things you can do to right this burden. First you can get a pre-paid or a card for bad credit located here. The more you use these cards and the more you pay back, your score will eventually go up. It will take time and patience, but eventually lenders will consider you a good risk for loans and credit cards alike. Secured credit cards from your bank is also another way of helping your credit. With a secured card you are going to give the card company your bank account number and they will give you a line of credit. In general anyone that is that is over 18 and with a good income or a good credit history can get a credit card. Every credit card company has different policy's on who they will accept for their credit cards. Some credit card company's charge an annual fee and some do not. Also some company's may charge this fee on certain cards they provide. When looking for a credit card you will see APR alot, this means annual percentage rate. This is measure by the cost of credit which is a yearly interest rate. Generally this will fluctuate from year to year. Most of the credit card companies provide different incentives or rewards programs for choosing a credit card. Some have gas cards, some have cash back and quite a few have frequent flyer miles. Its up to you to do your best in searching, comparing and applying for these credit cards. Find one that will best suit your spending habits and needs. For more of you credit card needs don't hesitate to visit us at http://www.credit-wisdom.com About The Author Richard Gilliland Owner and operator of credit-wisdom.com. This article was posted on August 25, 2006 Read More Articles from the "Business and Finance" Category: Finding a Home Loan with Bad Credit by Jay Moncliff One MLM Or Two? by Michael Brymer Solutions for the Subprime Lending Crisis by Dave Dinkel Why Do You Want To Start a Home Business? by Ender Baynazoglu 3 Steps To Immediately Increase Sales by Leif H. Smith, Psy.D. Five Tips for Turning Your Web site into a Lead Generator by David Reske How Well Do You Speak? by Sandra Schrift Job Interview Tactics That Work by Jay Bauder 5 1/2 Holiday Retail Tips by Chris Reich The Stock Market Is Not The Place To Gamble! by Ricky Schmidt << Back to "Business And Finance" Index

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