Geting Credit Cards
Holding a Credit Card is very essential possesion in the living of america. Every online
shopping and paying bills requires a credit card issued by a bank. Credit card is mandatory
for shopping though you can pay them with TC's and checks,Its essential you hold a credit card to
avoid much of authentications.
Here are few witty wits on getting a credit card.
Choosing a Credit Card
First, consider the annual percentage rate or APR. Second, look at annual fees.
There are many cards which not only don't charge any fees but also offer benefits like skymiles,
some % cash back etc. Check card offers to see if you will be charged a fee for paying your bill
late or going over your assigned limit.
Credit History
It is not so easy to get a credit card in USA. The application is scrutinized by the Credit Organization/Bank
and the credit history checked up (They call up the banks where you have an account, to find out your
balance and credit status etc). Actually it seems the credit history is traced from your Social Security Number.
Be careful!
Do not apply for a credit card online with an unfamiliar company or with anyone that doesn't list a
phone number or physical address. Also, watch out for outrageous promises of profits, guarantees of
credit regardless of credit history, incredibly low prices or prizes that require payments up front.
These are questionable policies anywhere, not just on the Internet. Important thing to keep in mind
is that whenever you make a payment through a credit card make sure to tear the copy of the receipt
in small pieces, so that nobody can use your credit card account
Important Links
Useful link on Credit Cards
