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How To Easily Apply
For a Credit Card


Today's consumers want the least possible hassle, processing time and related fees when they make credit card applications.

One question that immediately comes to mind is acceptance. Credit card applicants generally should not worry if they comply with all the requirements set by their card issuer. Some of the things that are checked include income ranges, age and current addresses. For potential owners who have moved, they must make sure that they indicate correct information on their previous place of residence, including when and how long they stayed at their former address.

Individuals who want no fuss credit card applications should expect to have their credit ratings given a thorough review. This review will be conducted by issuers to establish if the applicant poses any risk. Such a check will include the individual's ability to remain consistent with monthly rental payments or repayments and mortgage or loan profiles. An applicant with a history of financial troubles will have problems getting their applications processed, as this issue will have an impact on their credit rating.

Credit card providers will also check details such as delayed payments on recent or previous cards, utility bills or loans, and the number of rejected applications, if any. Companies can also probe deeper to the extent that they check the voter electoral register to verify an applicant's address and even the county court to find any judgments against or records on file.

Credit card applicants should realize that low interest providers are more likely to impose a higher number of restrictions and possibly accept only individuals with perfect credit histories. In such cases, the more likely option is for an applicant to consider cards with higher interest rates.

Since borrowing money entails charges, a credit card applicant should make an exhaustive review of all terms and conditions related to their application, preferably across different credit or charge cards. Among the key terms potential card owners must consider are the annual percentage rate, the free or grace period, transaction and annual fees, and adjusted and previous balances.

Some credit card companies will mail a credit card application to the applicant’s home. This is usually an attempt by the issuer to verify that the applicant has provided correct information.

Credit card applications are now more convenient than ever...they can be applied for by telephone and internet-based processing.

As a final note, credit card applicants should always exercise extreme caution when providing their social security number and other personal information during the application process.

NOTE: This Site is for general informational purposes. These articles are submitted by independent writers, and we disclaim all liability. It is not a substitute for actual legal, investment or professional advice from a licensed competent individual in their field of expertise.

The information and articles offered on this Site are provided with the understanding that the Fast Loan Cash website is not engaged in rendering legal or other professional services or advice. Your use of the Site is subject to the additional disclaimers and caveats that may appear throughout this website.

The use of our website and all other materials is at the sole discretion of the reader. We believe that the facts presented are accurate. We disclaim any liabilities from the application of the information contained within, and all information is not intended to serve as legal or financial advice.

We also post various affiliate offers on our website that are put together by other companies, and not offered by us. The visitor to this website agrees that we are not liable for any and all damages claimed by any one person as a result of any information or materials contained therein for any reason including, but not limited to errors and/or omissions.

 
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The Best Pre-Approved
Credit Card Offers


If you have received a pre-approved credit card offer in the mail make sure you read everything.  There are good and bad offers and you need to know which credit card offer is for you.

Look for:

    * The Annual Percentage Rate (APR). If the interest rate is variable, how is it determined and when can it change?

    * The periodic rate. This is the interest rate used to figure the finance charge on your balance each billing period.

    * The annual fee. While some cards have no annual fee, others expect you to pay an amount each year for being a cardholder.

    * The grace period. This is the number of days you have to pay your bill before finance charges start. Without this period, you may have to pay interest from the date you use your card or when the purchase is posted to your account.

    * The finance charges. Most lenders calculate finance charges using an average daily account balance, which is the average of what you owed each day in the billing cycle. Look for offers that use an adjusted balance, which subtracts your monthly payment from your beginning balance. This method usually has the lowest finance charges. Stay away from offers that use the previous balance in calculating what you owe; this method has the highest finance charge. Also don't forget to check if there is a minimum finance charge.

    * Other fees. Ask about special fees when you get a cash advance, make a late payment, or go over your credit limit. Some companies charge a monthly fee regardless of whether you use your card.

The Fair Credit and Charge Card Disclosure Act require credit and charge card issuers to include this information on credit applications. The Federal Reserve Board provides a free brochure on choosing a credit card and a guide to credit protection laws at their web site.

Comparing Cards

    * Bank Rate web site provides free credit card tips and information.

    * Consumer Action web site has a site that features credit card surveys of interest rates, fees and other terms from dozens of credit cards, as well as free brochures and guides on choosing and using credit cards.

    * Card Web lists credit cards and offers e-mail newsletters, frequently asked questions and online credit card calculators.

    * Card Ratings lists and reviews credit cards, and offers tips and credit card calculators.

Lost and Stolen Credit Cards
Immediately call the card issuer when you suspect a credit or charge card has been lost or stolen. Many companies have toll-free numbers and 24-hour service to deal with such emergencies.

By federal law, once you report the loss or theft of a card, you have no further responsibility for unauthorized charges. In any event, your maximum liability under federal law is $50 per card.

Complaints
To complain about a problem with your credit card company, call the company first and try to resolve the problem. If you fail to resolve the issue, ask for the name, address and phone number of its regulatory agency.

If the word national appears in the name or the letters N.A. appear after the name, the Office of the Comptroller oversees its operations.

To complain about a credit bureau, department store or other FDIC-insured financial institution, write to the Consumer Response Center.

NOTE: This Site is for general informational purposes. These articles are submitted by independent writers, and we disclaim all liability. It is not a substitute for actual legal, investment or professional advice from a licensed competent individual in their field of expertise.

The information and articles offered on this Site are provided with the understanding that the Fast Loan Cash website is not engaged in rendering legal or other professional services or advice. Your use of the Site is subject to the additional disclaimers and caveats that may appear throughout this website.

The use of our website and all other materials is at the sole discretion of the reader. We believe that the facts presented are accurate. We disclaim any liabilities from the application of the information contained within, and all information is not intended to serve as legal or financial advice.

We also post various affiliate offers on our website that are put together by other companies, and not offered by us. The visitor to this website agrees that we are not liable for any and all damages claimed by any one person as a result of any information or materials contained therein for any reason including, but not limited to errors and/or omissions.

 
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Visa Vs MasterCard:
Which Is The Best?


The two leading credit card companies in the world today are the competitors Visa and MasterCard. They both operate along very similar lines. While Visa can claim to have almost a billion cards issued, MasterCard has over twenty five thousand banks issuing its cards and it is difficult to find any difference in the number of locations worldwide that accept the cards, which is now estimated at over twenty million.

In fact, as far as most consumers are concerned, there is no real difference between the two. They are both very widely accepted in over one hundred and fifty countries and it is very rare to find a location that will accept one but not the other.

However, neither Visa nor MasterCard actually issue any credit cards themselves. They are both simply methods of payment. They rely on banks in various countries to issue credit cards that utilise these payment methods. Therefore, the interest rates, rewards, annual fees, and all other charges are issued by your bank and when you pay your bill you are paying it to the bank or institution that issued your card and not Visa or MasterCard.

How Visa and MasterCard make their money is by charging the retailer for using their payment method. So the truth of the matter is that a Visa issued by say the Bank of Scotland will have very little to do with a Visa issued by other banks and may in fact by more similar to the Bank of Scotland’s MasterCard.

What this means for the vast majority of customers is that you do not have to overly concern yourself with whether a credit card is MasterCard or Visa. You would be better off concentrating on the interest and other charges on the card, the balance transfer possibilities or their reward scheme. You are very unlikely to ever be effected by the fact that it is one and not the other.

If you prefer, if you are going to have two credit cards, you may decide that you want one of them to be Visa and the other MasterCard, this means that if something drastic were to happen to one company, or if you were in the unlikely position of finding a location that accepts one but not the other, then you would have the option of paying with either.

At the end of the day however, much more depends on the bank that gave you the card, than on the type of card it is.


NOTE: This Site is for general informational purposes. These articles are submitted by independent writers, and we disclaim all liability. It is not a substitute for actual legal, investment or professional advice from a licensed competent individual in their field of expertise.

The information and articles offered on this Site are provided with the understanding that the Fast Loan Cash website is not engaged in rendering legal or other professional services or advice. Your use of the Site is subject to the additional disclaimers and caveats that may appear throughout this website.

The use of our website and all other materials is at the sole discretion of the reader. We believe that the facts presented are accurate. We disclaim any liabilities from the application of the information contained within, and all information is not intended to serve as legal or financial advice.

We also post various affiliate offers on our website that are put together by other companies, and not offered by us. The visitor to this website agrees that we are not liable for any and all damages claimed by any one person as a result of any information or materials contained therein for any reason including, but not limited to errors and/or omissions.


 
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Visa Business Credit Cards


The Visa Business Credit Card is one of the most popular business credit cards serving the business market today. Recognizing that businesses appreciate the need for good cash management, Visa offers business credit cards designed to provide business people with purchasing convenience, cost savings, instant access to credit when they need it and complete, detailed reporting of all business expenses charged to their Visa business credit cards.

Visa business credit cards can be obtained from any one of the many issuers that are affiliated to Visa. The credit card packages are likely to vary from one issuer to the next, but there are certain features that are universally applicable to any business credit card issued under the Visa brand.

These universal features, privileges and benefits, will typically include the following:

Auto Rental Collision Damage Waiver
All Visa business credit card holders are covered for damages due to collision or theft, at no added cost. This benefit reimburses you for the costs incurred to repair or replace covered losses on a hired vehicle that you paid for with your business credit card. The only condition is that the vehicle should have been exclusively used for business purposes.

When you rent the vehicle on your eligible Visa business credit card, remember to decline if the rental company offers its own collision damage waiver. This will activate your Visa coverage. If the rental company is adamant and insists that you buy their policy, call your benefits administrator. In the case of theft or damage to the rented vehicle, you will first call the Visa benefits administrator before speaking to anybody else. He or she will then advise you how to proceed.

Purchase Security and Extended Protection
The purchase security benefit entitles the business credit card holder to replacement, repair or reimbursement for eligible personal property that you completely paid for with your Visa business credit card (up to $10,000 per claim and up to a total of $50,000 per business credit card holder). Extended protection doubles the original manufacturer’s warranty period. This period is capped at 12 months.

Gifts purchased for others on your business credit card are covered by this benefit. The only challenge is that you will be requested to file a claim, and that the intended recipient will be required to provide documents in substantiation of the claim. You must develop the habit of keeping your copies of the Visa business credit card receipts as well as the store receipts, since these will be required as supporting documents to any claim you may file.

There is a host of exclusions on the items or situations that are not covered by the Visa purchase security and extended protection business credit card benefits, so you should review these with care.

Travel Emergency Assistance
Visa business credit card holders are assured of 24-hour assistance from appropriate emergency services when these are required. The benefit covers you, your immediate family members and your business associates. This special service for business credit card holders provides contact assistance and referral.

You will still be responsible for all costs and expenses incurred with the suppliers of these emergency services, which could include ambulances, doctors, hospitals and towing. The upside is that you can pay for these with your card as the vast majority of emergency services know and accept the Visa brand.

NOTE: This Site is for general informational purposes. These articles are submitted by independent writers, and we disclaim all liability. It is not a substitute for actual legal, investment or professional advice from a licensed competent individual in their field of expertise.

The information and articles offered on this Site are provided with the understanding that the Fast Loan Cash website is not engaged in rendering legal or other professional services or advice. Your use of the Site is subject to the additional disclaimers and caveats that may appear throughout this website.

The use of our website and all other materials is at the sole discretion of the reader. We believe that the facts presented are accurate. We disclaim any liabilities from the application of the information contained within, and all information is not intended to serve as legal or financial advice.

We also post various affiliate offers on our website that are put together by other companies, and not offered by us. The visitor to this website agrees that we are not liable for any and all damages claimed by any one person as a result of any information or materials contained therein for any reason including, but not limited to errors and/or omissions.

 
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American Express Blue
Cash for Business


When you compare American Express Blue Cash for Business against other cash rebate business credit cards, you quickly come to understand why this is the case.

Cash Rebates
Unlike most other cash rebate business credit cards, the American Express Blue Cash for Business credit card allows you to start accumulating cash back rewards from the first time you use your card.

The cash back structure of the American Express Blue Cash for Business credit card is highly competitive and works on a sliding scale: 0.5% for the first $7,500, 2.5% from 7,500.01 to $15,000 and 1% from $15,000 upwards. When you purchase from an OPEN partner, the percentages double automatically.

The cash back rewards you can earn on your American Express Blue Cash for Business credit card are not capped and you are not penalized if – like most small business owners – you decide to settle your monthly balance in full.

Any additional American Express Blue Cash for Business credit cards you may choose to issue to your staff also earn cash rebate rewards.

Discounts
Over and above doubling the rebates you earn on your American Express Blue Cash for Business credit card, you receive discounts of between 3% and 25% from OPEN partners on business purchases such as travel, dining, business supplies, business services and business building tools.

Terms
The American Express Blue Cash for Business credit card is a very economical cash rewards business credit card when compared to its direct competition. In most of the reviews the four salient features that differentiate the American Express Blue Cash for Business credit card are:

 
  • $0 annual fee
  • 0% APR on purchases for the first six months
  • Low on-going 11.24% APR on purchases
  • 7.99% APR on balance transfers for the life of the amount transferred
Business Support
Finally, many of the reviews report a willingness on the part of American Express to go the extra mile for small businesses. As a holder of the American Express Blue Cash for Business credit card, you gain access to:

 
  • 24/7 customer support services
Chat facilities and forums where you can speak to other small business owners and experts, Articles and reports purposely compiled for the small business sector.

American Express also offers online reporting and management tools, to help you automate some of your tedious administrative tasks.

To conclude
The holistic, partnering approach adopted by American Express in designing products such as the American Express Blue Cash for Business credit card, indicates that they are serious about the small business market and committed to adding real value to their small business customers. Judging by the responses on the internet, it is clear that this particular approach has hit the mark.

NOTE: This Site is for general informational purposes. These articles are submitted by independent writers, and we disclaim all liability. It is not a substitute for actual legal, investment or professional advice from a licensed competent individual in their field of expertise.

The information and articles offered on this Site are provided with the understanding that the Fast Loan Cash website is not engaged in rendering legal or other professional services or advice. Your use of the Site is subject to the additional disclaimers and caveats that may appear throughout this website.

The use of our website and all other materials is at the sole discretion of the reader. We believe that the facts presented are accurate. We disclaim any liabilities from the application of the information contained within, and all information is not intended to serve as legal or financial advice.

We also post various affiliate offers on our website that are put together by other companies, and not offered by us. The visitor to this website agrees that we are not liable for any and all damages claimed by any one person as a result of any information or materials contained therein for any reason including, but not limited to errors and/or omissions.