Description: The article introduces the capital one credit card for us including its advantages and something that you should notice when you use this card. The author also list other credit card which you can use according to your needs. They all have different features.
1 How to get approved for a credit card!!! Watch this before you apply for a credit card
This is Jessie D. I know it has been a long time since I update my page because school and work has been very hectic. I will graduate in December. I wrote about my vision board last time. At the end of this article I’m going to click attach another part. I applied the pictures to it. Today we are going to talk about credit cards and which credit cards are easier to get or which companies are more lenient.
I know a lot of people come into my job and apply for card. They’re afraid whether they can get approved or not. Some people get bummed out and disappointed when they don’t get approved. I can understand the requirements and different things. When it comes to certain companies and how they are and which companies are easier to get a,they choose to get rid of them. I’m going to give you some tips and what to look out in order to fit. In order to get approved,you don’t have to go out there and fill out for cards and get bummed out and get disappointed because you don’t get approved.
The first company I want to talk about is Community Bank. They have a lot of information that I can talk about. I’m going to link their list of credit cards. Community Bank has a lot of cards. They had this secret card and they have cash card. They also have sales. I have a prominent fish different places. They’re usually more lenient when it comes to be approved for card. How you can know is when you go into a store and ask them what company services your card or get one of the little brochure. It’ll tell you which company services the card.
Another way is when you look on a website. For example discover Capital One on chain CD. They have a secured card. Your credit is iffy. when I say iffy,it is going to be in the 500 to the low sixes. I will start with their secured card. Most companies graduate cards which means if you start with a secured card after a year or eight months,they will refund your deposit and turn your card into an unsecured card.
That is what happened with me when it comes to discover that it was the first credit card that I got to start reestablishing my credit. I paid a $200 deposit and after eight months they refunded my deposit and turned my card into an unsecured card and gave me a brand new credit limit. Most of the time they started off low. I want to make my minimum payment on time.When I had discovered my secured card,my limit was two hundred dollars and then my minimum payment was twenty dollars.
If you don’t pay your credit card off balance you should at least pay your minimum on time. You should never be late on that because that it is what they’re looking for to see if you’re responsible with making your payments. You should always try to get a credit card with a big company or a legit company that you can stay with for a long period of time. It builds a good credit history. When you are trying to improve your limit,they’ll improve your limit. That also helps with your utilization.
Another bank is Capital One Bank. Capital One Bank is a good bank. They have an unsecured card as well. I know people who have their unsecured cards and they liked them. When I started with Capital One I applied for the Capital One platinum card which is their base card. My credit score was in the 500s. I was approved for a three hundred dollar credit limit. It has fired out of control since then. But I have been very faithful with the company because they gave me a chance when nobody else did.
They were the first one to give me an unsecured credit limit. I was very grateful so I decided that I’m going to always keep this relationship well. I will at least pay my minimum because I don’t want to on this company’s bad sides where they’re not loving my limits. I had several credit limit increase in two years. It was definitely a card that I will keep for a long period of time.
Capital One also upgrades your cards. I started with platinum but now I have a Quicksilver card and probably I am going to get a venture soon. I will get a venture card. I don’t use venture because they have a annual fee. I’m not going to pay annual fee. I refused to pay for the annual fee.
This is a company that you want to have a good relationship with. If you have the faucet on a capital one card before,I will call them and talk to them and pay that off and try to see if you can start back. Because it’s the company that gives you the second chances. I have read a lot of reviews on Credit Karma that they will give second chances so you can call and ask them and talk to them.
Capital One also services sexfest,Neiman Marcus. I’ll lick link. The card is probably the most dangerous card in my wallet. I do not recommend anybody that likes designer things to get a sex card because it’s very tempting when you have a limit. You can’t up your limit or your sex card once a month.
They will do a soft pool so it doesn’t even affect your credit score. My limit is crazy on that card and I don’t want to use it. I feel like I will never pay it off. If you are the type that likes designer things,don’t even get it and don’t even worry about it. There’s no cash back on. They don’t give it. They give reward points that you can get gift cards. If I were you I may not recommend it. But if you can control yourself then go ahead and get one. They’re more of the easier cards to get.
I have a Nordstrom card. My Nordstrom is serviced by a bank that I do not know. I will find it. My Nordstrom card is very dangerous one. If you are somebody likes high-end stuff I would not advise you to get one of their cars. You can use it anywhere. But I both of my cards keep as store cards because I don’t want to pay any extra fees. I’m going to use it because I want to keep those balances at zero.
If you like high-end stores and you shop there and you already spend cash, you can use it because. You can turn around at the register and pay cash and pay it off and I carry a balance. But if you’re not that discipline,don’t go and get it. I will link most of the cards.
Americans press has two type of credit cards. Americans press has charge cards and American Express has credit cards. The difference between a charge card and a credit card is for a charge card you have to pay off the entire balance. They usually have no credit limit. But they have spending limits which means by using thirty or forty thousand dollars. You have to pay the bet.
Most businesses use charge cards or rich people use charge cards,I do not have one of these cards. I said I was going to get one to have an American Express gold because they send me a pre-approval letter. I like the way the card looks like. It’s nice. So I think maybe I should get one. But I don’t know because I don’t feel like I’ll ever use it. I think that annual fee is zero and then the second years is one hundred and ninety five dollars. You will start have privileges at the airport and you get to go into these different lounges and you get all perks which I feel like it’s above my pay grade. I don’t make that much money to where I need to such as mingling with rich people. So I don’t know if I need it. I want to have it but I had made up my mind yet. Any jewelry store will give you a credit card when you’re starting off.
If you have bad credit,you need to go to a secured card. if you’re starting up I will go to a jewelers or sales that because those stores are easy to get to start credit with. Once you’ve started one you can you know something about that once you’ve established one for at least 90 days. I don’t want to make this article long because it’s late and I’m tired. I have narrowed it down.
If your credit is bad for example in the 400 start low five,you need to get a secured card from a major corporation such as discover Capital One,Barclay,Citibank. I’m going to wrap this up. I will list everything and I will also write a blog about it. I will write about it with more details with each company and the person that I’ve had with them and experiences that I have hear information from.
I will put them in category as far as what type of credit the financial company usually works with and deals with. This is my personal experience. I’m not saying that everything will be 100% sure and you will get approved. Everybody’s credit situation is different,it is up to you to know your credit score and what is on there and what may hurt you. A lot of inquiries will hurt you. So do not barley, you should go out there and apply and see what you can get for and what you can get approved for. It will hurt your credit. So this is going to help you when it comes to have a hard pool on your credit.
They don’t want you to have more than three a year. So you should be leery about what to apply for especially if you don’t know you’re get approved or not. Please do some research and know for yourself what financial situation that you are in. It will help you in the long run. But I will write blog today and go through what I said in this article and add a little bit more details. Thank you for taking time for me. If you have any questions,my contact information will be below. There are my email and my social media and everything. I’m always here to help any time of the day.
I said I was going to show you what I did on my vision board. I did not put a lot of pictures this year. It was more words on it because I want to focus on the positive aspects of the words. This is basically what it looks like. I always start with my spiritual. Business,finances,miscellaneous things and school which should be number one because I will graduate this year. But I want to let you know how I did it and some of my goals.