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READ BEFORE YOU APPLY FOR CREDIT CARD |
Wonder why millions of cardholders all over the globe choose Visa? Take a closer look at the features and benefits provided and you will discover many ways Visa can work for you. Pay your bills or taxes with your Visa card securely and conveniently! Explore new world's destinations and take advantage of special services that help you manage your finances when travelling.
With Visa credit cards, you can explore multiple ways to keep your purchases secure. Every time you use your Visa card, you can rest assured that your personal information is protected online and offline. Shop with confidence knowing that your company protects you with fraud prevention tools!
Manage your Visa account easily by accessing it online. It is really very convenient, especially for those holders who lead a busy life. You can track your current transactions online with paperless monthly statements as well as pay your bills online. Take advantage of various online tools and resources designed to help you manage your finances more effectively. Visa offers really helpful personal finance resources with which you can define and attain your financial goals.
When using your Visa card at certain locations, you can get really fabulous discounts. Just imagine! You can save a lot by simply purchasing with your credit card. Want to stay informed about the latest Visa bargains? Sign up for the Visa discount newsletter to keep your savings up-to-date! Save more with your Visa credit cards! Look through Visa online applications, compare the rates and make your choice! |
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CREDIT CARD TYPES |
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The first step in choosing the best credit card deals is realizing that there are a variety of different cards available. Following are some of the most common types of cards:
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Balance transfer credit cards let you transfer higher-interest credit card balances onto a credit card with a lower interest rate. For instance, if you transfer a balance to a credit card with a low introductory annual percentage rate (APR) of zero percent, the APR for this balance will typically stay at the lower interest level for a specified period of time, potentially saving you hundreds of dollars in interest charges.
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Low-interest credit cards - Offer either a low introductory APR that change to a higher rate later or to a low, fixed-rate APR. Using this type of card can offer significant savings on interest, especially when you make larger purchases and pay them off before the end of the introductory period.
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Cash-back credit cards - Give you cash rewards for making purchases with the card. Most cash rebates are around 1 percent of the total purchases, excluding interest and finance charges. This type of card is particularly good if you're faithful about paying off balances each month.
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Reward credit cards - Similar to cash-back cards, they offer frequent-flyer-miles, hotel discounts and other rewards just for using the card. Basically, you accumulate points toward a reward structure, based on how much you use the card over a period of time.
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Airline mile or frequent flyer credit cards - Award "mile" or "point" credits whenever you use your card, based on the dollar amount of your credit card purchases over a period of time. You can redeem your points for airline travel, much like you would in an airline-sponsored frequent flyer program. These cards are great if you travel frequently or simply want to use your card to plan vacations.
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Pre-paid cards - Work like gift cards at retail stores. You can deposit any amount you want and then use the card to make purchases up to that amount. These types of cards generally don't require a credit check, and some actually have credit re-builder and rewards programs.
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Secured credit cards - Cards that are "secured" with a cash deposit or other collateral. They're ideal if you have very little or damaged credit.
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MAXIMIZE THE CHANCE |
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Don't apply for multiple credit cards over a short period of time. |
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Don't apply for a card you're not likely to get. |
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Applying for a credit cards and being declined only damages you credit.
Know Your Credit Score, we recomment that you check the credit score before you apply. |
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CREDIT SCORE |
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A credit score is simply a numerical representation of your credit worthiness. The majority of lenders use some sort of credit scoring model to help predict what kind of credit risk you may be. In most cases your credit score will determine whether or not you will be approved for a credit card. |
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CREDIT CALCULATOR |
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How long will it take to
pay off my balance? |
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This credit calculator can help you manage your money by showing you:
- How long it could take to repay a credit card balance based on your monthly payment.
- The payment required if you want to repay the balance over a shorter period of time.
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IMPORTANT |
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Q: I have applied for a credit card but my application was rejected... What now?
A: Order your Free Credit Report and or Credit Score. It will provide you with information that will put you on the path of building your credit history and increasing your credit worthiness. |
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Credit-Land.com, Inc.
All rights reserved. |
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