Credit Cards

When you apply for a credit card you hope to receive an instant approval. When this happens, it won’t be long before you’re able to use your credit card and take advantage of its many benefits.

Unfortunately, there is no guarantee of an approval. There are many reasons for a credit card denial, with the following among the most common:

• You have too much debt.

In today’s day and age, many people shy away from contacting their credit card company by phone. Instead, they assume that email and/or live chat is all they need to get their questions answered.

While there is nothing wrong with taking advantage of technology, there are times when a phone call is the best way to get in touch.…
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You never want to find yourself filing a credit card dispute, but it may be something you have to do at some point. There are many reasons for this, including but not limited to:

• Incorrect billing
• You did not receive an item you ordered
• You received a service or product that was substandard or misrepresented

Most credit card companies have a simple dispute process in place, but that doesn’t necessarily guarantee your success.…
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There are many benefits of carrying a credit card, such as the convenience it affords when making a large purchase.

However, using a credit card in a responsible manner is easier said than done. In other words, it’s not out of the question that your spending could quickly spiral out of control.…
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Are you in the process of comparing credit card offers? Are you wondering how you’ll ever sift through all the offers to find the one that suits you best?

It’s good that there are hundreds of credit card offers to compare. This gives you the opportunity to find the one that matches your current financial standing and goals.…
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Do you have bad credit? Have you come to find that your low credit score is making it difficult to secure a credit card? Are you concerned that this will continue to be an issue well into the future?

Even though you have bad credit it doesn’t mean you can’t reach some (or all) of your financial goals.…
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Are you a college student? Are you the parent of a student? Do you have some questions about credit cards for college students?

Everyone has their own opinion on whether or not college students should have access to credit cads. Some people think this is a great idea, especially if it’s worked out well for them in the past.…
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There are many challenges that may arise when applying for a credit card, including the fact that you need to compare a variety of offers in order to make a confident decision.

As you get started, it’s important to have a clear idea of what you’re looking for. Without this, you’ll soon find yourself lost in the hundreds upon hundreds of options that are out there.…
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Have you come to find that you don’t qualify for a traditional credit card? There are many reasons why this could happen, such as a lack of credit history or a poor credit score.

As disappointed as you may be, there’s something you need to know: you can still get approved for a secured credit card.…
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Do you have at least one credit card in your name? Do you use it often? Are you concerned that you may be making some mistakes?

When it comes to something as powerful as a credit card, making a mistake can cost you both time and money.

Fortunately, once you’re familiar with the most common credit card mistakes, you can implement a plan for keeping these out of your life.…
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