Swipe Away With Secured Credit Cards
There is a reason why it is called a secured credit card in the first place. It is the best way to deal with your expenses and at the same time enhance your credit history. In addition to that, with the modern society taking its toll nowadays, you can surely make use of that credit card whenever and wherever.
A credit card has moved a level higher. It is what most airlines, car rentals, hotels, restaurants and stores are looking for in order for you to be able to utilize their services and purchase their products. It is also a great way to keep yourself secured by not having to carry with you bills. It offers safety and convenience that you can enjoy all the time.
However, the catch is being able to find the right company that offers a secured credit card with a deal that is worthwhile. If you come to think of it, the search may tend to be long and discouraging because of having to consider a lot of option. But as long as you have the determination and information needed to get the credit card in your hands then taking time to decide would not be a problem for you.
So basically what happens is this. If in case you have a poor credit history because of past missed deadlines or if you have not even had a credit card before then you will most likely not be qualified to avail of the regular credit card. The option left for you is to opt for a secured one. In a secured credit card, anything and everything that you use this card for will be immediately backed up by your own personal money. That money is in a bank account which will be linked to your credit card line.
But if you want a shortcut and get pass all the hustle and bustle, you can right away apply for a Visa or Master Card. These are the major and most trusted secured credit cards available at your expense since these are accepted almost everywhere.
Now what are you waiting for? Fund that bank account, apply for a secured credit card and get to enjoy all the perks you want with just a simple swipe.
Categories: Credit Score Articles Tags: Away, Cards, Credit, credit cards, Secured, secured credit cards
Secured Credit Cards For Good Credit History
Secured credit cards are ideal tools in managing your finances and if you want to boost your credit score. Additionally, they are practically an essential these days if you ever want to travel, as most airlines, car rental companies and hotels need a credit card to use their services.
The main issue is that hunting down companies that give secure credit cards in this day and age can pretty challenging. The purpose of this post is to give you the inside “scoop” on finding such types of credit cards. This way, you can be on your way to having the convenience and credit building benefits that they boast of.
What is a secured credit card? When a certain person is not qualified for a “regular” credit card, maybe due to a poor credit history or due to the fact that they have yet to establish credit, their best option is a secured one. “Secured” simply means that anything you charge on the credit card is covered by your own money, for the most part in your own bank account.
That said, your credit line on these cards depend on the amount of money you have in your account to back your charges on the card.
In some cases, local credit unions and banks give these types of unsecured cards, but they are seeming to slowly sink and becoming a thing of the past, even despite the growing need in this tough economy where many people’s credit is falling apart.
One thing to be aware of is unscrupulous companies that charge ridiculous fees and “no name” cards that can only be used in their catalogs to buy their merchandise. What you must have is a secured Visa or MasterCard. These are the types that can be accepted everywhere. These will give you convenience and credit building qualities you have been dying to have.
Categories: Credit Score Articles Tags: companies, credit card, credit cards, Credit History, give, good credit history, secured credit cards, types