Your Credit Card Application
M Rasing asked:
A number of people are afraid of credit cards. They feel that they will only ruin their financial discipline. They are afraid that they will be buried in debt. Their credit rating might be compromised and they will not be able to apply for personal loans and line of credit in the future.
To these people, I say, you only need discipline! All it takes is discipline. If you are an impulsive shopper or buyer, better leave your card at home whenever you go to malls or stores unplanned.
In any case, it is easy to have your application. You just conduct a credit card review and assess your own capacity to pay and your discipline and I don’t think it will be a big problem. What you need to do is to scout for several banks who offer these products.
Once you’ve identified these banks, go to their websites and check out their offer. Take a look at the interest rates, the annual fee, the financial charges and the other benefits that you could get from them.
Mastercard or Visa? If you ask me, it does not really matter. Both mastercard and Visa are accepted worldwide and both are careful in providing security for their cards. Some other platforms are JCB and American Express. There might be more but these are the most popular. It does not really matter which of these cards you choose as long as they can be used by most merchants and that you have the capacity to pay. If you don’t these banks are going to crucify you and hound you till they put a noose on you for not being able to pay.
Your application can be an easy thing to go through. But remember, using a credit card requires discipline on your part.
Mitchell
A number of people are afraid of credit cards. They feel that they will only ruin their financial discipline. They are afraid that they will be buried in debt. Their credit rating might be compromised and they will not be able to apply for personal loans and line of credit in the future.
To these people, I say, you only need discipline! All it takes is discipline. If you are an impulsive shopper or buyer, better leave your card at home whenever you go to malls or stores unplanned.
In any case, it is easy to have your application. You just conduct a credit card review and assess your own capacity to pay and your discipline and I don’t think it will be a big problem. What you need to do is to scout for several banks who offer these products.
Once you’ve identified these banks, go to their websites and check out their offer. Take a look at the interest rates, the annual fee, the financial charges and the other benefits that you could get from them.
Mastercard or Visa? If you ask me, it does not really matter. Both mastercard and Visa are accepted worldwide and both are careful in providing security for their cards. Some other platforms are JCB and American Express. There might be more but these are the most popular. It does not really matter which of these cards you choose as long as they can be used by most merchants and that you have the capacity to pay. If you don’t these banks are going to crucify you and hound you till they put a noose on you for not being able to pay.
Your application can be an easy thing to go through. But remember, using a credit card requires discipline on your part.
Mitchell
