Instant Credit Card Approval Online

By Terje Ellingsen

What do we mean when we say an instant credit card? As most of the internet surfers should already have noticed, many credit card companies operating online and offline for that matter, announce they can offter the best credit card online, even with instant approval if you apply for it on their website. Some people think that this means they can instantly download a copy of a card like waving a magic stick and start to purchase with it immideately. Let's sort out some confusion here. Many credit card websites can approve your application instantly, which in most cases means within a few minutes. But that doesn't mean you can print out your card and run to your local Wal-Mart or Target or wherever and immedeately shop. Of course you can shop, but not with your newly approved card, because you have not received it yet.

Though the approval procedure only takes minutes, you have to be patient and wait for your card. This will be sent in the
mail, and it will take a few days. Now, the nice thing with applying online for a card is that you know if you are approved
for it or not within a fairly short time, and I would think that this is the best thing for people to know, or like the
saying goes "those who are waiting for something good don't wait in vain"

Compared to the old-fashioned way of doing it, returning the snail mail offer for a credit card, waiting days or even weeks
for the bank or credit card company to process it and run your credit, and finally waiting for them to send out your new
credit card, the online way is far more convenient and fast. Another advantage of doing the application online is that it
also gives you a fantastic option to compare the cost of credit offered from a lot of card companies.

There are certain limitations however on who is eligible for an Instant online credit card approval. Instant approval credit
card offers are targeted to - or at least originally meant to be for - people with good credit records. However, there are
ways to go around this and sometimes this might be pure luck. What I mean is, sometimes the card company you apply to, may
not be able to access your credit records for some reasons. But this is an exception. The competition on the credit market
is so high today, that some companies are willing to tow the line pretty far to get customers. The bottom line is that even
if your credit history is not so good, you can obtain an instantly approved credit card. So regardless to what your credit rating is, there is no reason not to apply.

If you want to apply for an instant approval of a credit card online, go to the web and search for instant credit card
approval an you'll have more than enough websites to choose among, giving you the opportunity to compare the offers from
different sites with respect to the cost of credit. Then you will be able to find the best deal. Good luck!

Terje Brooks Ellingsen is a writer and internet publisher. He runs the website 1st-In-Loan.net
Terje gives advice and helps people with personal financial issues like applying online for an instant credit card and getting rid of bank debt.

Best Secured Credit Card Deal - Beware

By Michael Pitt

Why you should beware of a best secured credit card deal today? If you have been in the credit card market for quite a while and know how the credit industry has evolved and modified in many positive and negative ways, the answers are simple. When you do not have a clue of the ins and outs, it becomes unforgettable to many hard working consumers when they deploy their money and trust in such issuers.

First of all, you should always beware of advertised sites on the Internet claiming to have the greatest 0% APR credit request approval. The reason behind the why of such important fact is that many affiliate companies that promote fortune 500 credit issuers like VISA, Mastercard, Discover and AMEX may not have the best interest in you. While big companies like VISA, AMEX, Discover, and Mastercard are in the lookout to protect the consumer with their acceptance or even without the acceptance of your business and contract, many affiliate sites that promote this kind of credit cards do not have your best interest in mind unfortunately.

The reason to this whole dilemma is that I have seen a few websites promoting credit cards yesterday and today they are just disappeared without a single trace of what happened to the page that cannot be displayed. Does not happen for 1 or 2 days, but I have already seen a site that have gone into sink and definitely for me his is on the blacklist of affiliate trusted sites for my consumers.

So in a nutshell explanation requesting a best secured credit card deal out of the Internet today requires some diligence and some skills. You may get robbed or you might never received information from the credit card issuer. It will all depend on how the credit affiliate sites works and their reliability in such moment.

I am telling all my consumers to beware because of these possibilities. Many people get robbed on the Internet today just for the fun of it. Many are left without identities for placing orders and requesting credit and later know that they got scammed by a site that was just their to take their personal information.

Another big time fact is to beware again of the 0% APR for a lifetime once getting approval in affiliate sites. Fact is that you need to clearly see what the credit issuer notifies and confirms you with the offer, not with the affiliate site that works with the credit issuer. So in precise words, getting a best secured credit card deal today can be dangerous and cost effective, just remember who to trust this days.

Article Source: http://EzineArticles.com/?expert=Michael_Pitt

Credit Card Offers and How To Deal With Credit Card Debt

By Steve Gee

Do you have too much credit card debt?

You spend too much one month and you put it all on your credit card account. You can’t pay it all off so you leave it until next month but you can’t pay it off next month either. Before you know it your bill has grown into something that you can’t manage and you are going to have to do something dramatic if you are ever going to get the debt under control. Why not make your credit card account work for you instead.

Credit card offers available

0% APR credit card offers are readily available but they only give you zero interest for a limited time and often have some catches. They may give you zero interest on the balance you transferred onto the card but not on new purchases for instance. You should also make sure that you understand what happens after the introductory offer period. Will the interest rate go sky high in 6 months time?

You can use the 0% APR credit card offers to slow down your accumulation of debt and give you a chance to start paying it off. It's a lot easier to reduce the balance if they aren't forever adding interest to it. Be ready at the end of the introductory period however because the interest will start piling up again. When you get close to the end look around for another 0% APR credit card that you can transfer your balance to. This is called 'surfing' your credit cards.

Here are some things to look a=out for when hunting for credit cards.

APR or Annual Percentage Rate

This can vary a lot and will make a huge difference to your monthly repayments.

Interest Free Period

Most cards charge interest from the date of the statement but some calculate your interest from the date of your transactions. In most cases the maximum interest free period is 56 days.

Cash Withdrawals

Be careful when drawing cash from a credit card. The interest rate can be much higher than it is for purchases or transfers. They also start charging you interest from the moment you withdraw the cash with no interest free period.

Annual Fee

Make sure that there isn't one.

Consumer Protection

This can give you protection in the event of goods not received or faulty or even stolen. There is often a minimum value transaction that allows you to benefit from this protection so make sure you know what it is.

Travel Insurance

Travel insurance when you purchase by credit card can be useful especially if you commute to work. Check the terms and conditions before you take the credit card though.

Cash Back

Some cards will give you 1% or more of every transaction back. This doesn't sound much but it can add up over the course of a year.

Reward Schemes

Some cards offer air miles or reward points for large stores. This might interest you if you are a frequent flyer.

Charitable Donations

This can be a painless way to donate a little of what you spend to charity. Often you won't notice it because other cards may have given it back to you in the way of cash back.

Online fraud guarantee

Having a guarantee that you won't lose money due fraud when you use your credit card on line can be a very comforting thought.

Gold and Platinum Cards

They only give these cards to people that they think will be able to pay back larger debts accrued on them. Think very seriously about taking one of these credit cards.

I hope that this information has been helpful to you in making an informed decision about using credit cards to manage your debt.


Article Source: http://EzineArticles.com/?expert=Steve_Gee