Poor or No Credit Articles
It's important to be well educated before applying for credit or making any other major financial decision. In our
education center we well inform you about any aspect of applying for and using credit. We publish new credit card articles
weekly so be sure to check back often.
- Should You Co-Sign for a Credit Card?
If a loved one comes to you and asks you to co-sign for a credit card, what should you do? Here are some things to consider and some questions to ask yourself before you sign that dotted line.
- Anyone Can Get a Credit Card
Anyone can get a credit card. In this day of sub-prime programs and spotty credit scores, nobody is truly a hopeless case. Just beware of the sharks.
- Getting Good Credit for Your Child
Your child is leaving for college, and you want to make sure they have a credit card if emergencies arise. Your child has applied for credit cards, only to be rejected. What now? Fortunately, there are plenty of options for parents in this situation.
- Secured and Prepaid Credit Cards
With so many consumers looking for ways to rebuild their credit, secured and prepaid credit cards are growing in popularity. Some people swear by them, and others try to avoid them. If you’re new to credit cards, you may have wondered how a prepaid card differs from a secured card, and how either kind can be used to build credit.
- How to Use Your First Credit Card
Have you recently acquired your first credit card? If you have, you may be excited. After all, there are a number of perks to owning a credit card. With that in mind, if you are not careful, your credit card could, literally, become your worst nightmare. To prevent yourself from falling victim to credit card debt, you will want to take the time to familiarize yourself with the proper use of a credit card.
- Credit Cards for Minors?
In the United States, people under the age of 18 cannot legally enter into any contracts without a co-signer, but what about the increasing number of parents who are getting credit cards in their children’s names? Do minors really need access to credit cards?
- The Dos and Don’ts of Secured Credit Cards
It's hard to get away from using a credit card these days. If you want to travel, you must have a credit card to reserve a hotel room. Renting a car? It takes a credit card. Want to get a membership at the new video rental store? Present your credit card, please.
- Credit Card Options for Minors
If you’re like a lot of parents, your first thought upon reading this title was, "Are you crazy? Why would a child need a credit card?" But believe it or not, the reasons extend well beyond the shopping mall.
- Getting Your First Credit Card
Many times people who have never had a credit card or any other form of credit think that the banks will turn them down for lack of credit history. While this may be true in some cases, no credit does not mean you have "bad credit", and provided you have a steady income, chances are you will be able to obtain a credit card.
- Secured Credit Cards
When deciding upon what credit card is the best for you, don’t rule out secured credit cards. In fact, many people are finding secured credit cards to be the best option. Some people choose a secured credit card when they have had credit problems in the past, and obtaining a traditional credit card would be difficult if not impossible.
- Prepaid Credit Cards
Prepaid credit cards are new twists on the popularity of plastic money. The name says it all. They are cards that function just like credit cards in nearly all aspects, but you have to pay the spending limit upfront. It's like a prepaid phone card you can use to buy anything at all.
- Tips for getting your first credit card
For anyone looking to build their credit history or get their first credit card, this is the article to you. Learn the common down falls most customers face and how you can avoid them.
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