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Articles about how to fix credit score (0-50 of 605)
- Balance Transfer Credit Cards - Finding The Best Available
By: Timothy Neal | - Balance transfer credit cards are those that make an excellent choice for transferring balances from one card to the other. The main purpose behind transferring balances is to remove debt from a card with a higher interest rate to one with a lower interest rate. In this way, the consumer can save money by reducing or even eliminating finance charges. When looking for the best balance transfer credit cards, it is important to look at a variety of factors.
The Annual Percentage ...
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- Avoiding Credit Card Wipe-outs: How To Succeed With Rate Surfing
By: Timothy Neal | - Rate surfing can be a good way of reducing debt but there is a risk. To avoid long term damage to your credit rating, it's best to make sure you do it right.
Rate Surfing Research
First of all, start by researching the current credit card rate offerings to see which one is best for your circumstances. Many people opt for the 0% interest deals, as these allow them to apply the payments the make to clearing any outstanding debt. These deals usually last for a limited ...
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- Balance Transfer Credit Card - The Easy Way To Avoid High Aprs
By: Timothy Neal | - Nowadays, credit cards offer many features designed to appeal to everyone -- from cash back and rebate offers to point systems and frequent flyer miles. Many of these offers work to your advantage only if you make large and frequent purchase. On the same hand, you get more in return if you can pay off the balance each month. Otherwise, the annual fees and high interest rates typically found on these types of cards will make the rewards seem worthless. But what about the credit card holders who a ...
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- Balance Transfer Credit Card Rules
By: Timothy Neal | - A balance transfer credit card aids in consolidating credit card debt and sometimes can also be a way of steering clear of the burden of debt. You will find as you are searching through all those credit card company offers you receive all the time that they are now offering balance transfers in a variety of ways. You will also notice they all these credit card companies are all competing for your business so the incentives are becoming more and more appealing all the time especially when it come ...
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- Balance Transfer Credit Cards - Why Switch Cards?
By: Timothy Neal | - In recent years, credit cards have become a major component of everybody's life. It started as a convenient spending tool but now it has become a reasonable way to gain access to much needed credit in the form of cash and loans. Keeping a balance on a credit card account is today a very common thing and interest rates are a dominant factor in peoples' daily finance.
As newer credit cards are issued every year, a balance transfer between credit cards is a common way for many to ...
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- Balance Transfer Credit Card Offers - Join The Wave
By: Timothy Neal | - Balance transfer credit car offers have been a popular means of literally transferring a balance from one credit card to the next. The primary reason that someone would enact a balance transfer is so that he or she could obtain a lower interest rate than his or her current credit card offers. Balance transfers are relatively easy moves, provided that you find a balance transfer credit card that can accept you into the lucrative balance transfer program at a lower rate than your current company. ...
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- Balance Transfer Credit Card - Debt Consolidation
By: Timothy Neal | - Balance transfer credit cards can provide an excellent option for debt consolidation. Many Americans are currently in debt and struggling for a way out. Some choose to use a home equity loan to help get themselves out of debt, but not everyone has a home with built up equity to use for this purpose. In addition, putting your home up as collateral for debt consolidation can be a bit nerve-wracking and many banks enforce annual maintenance fees and monetary penalties if you try to close the equ ...
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- Avoiding Credit Card Scams
By: Timothy Neal | - If you are a first time credit card user or have had credit cards for years, it is important to know about possible scams that you can be exposed to. Although many credit card companies are perfectly honest, there are also many dishonest ones who want to rip you off. If you are unaware of the ways in which you can be conned or misled then you could end up losing a lot of money. Here are some of the worst credit card scams around and how to avoid them:
Debt suspension
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- Avoiding Credit Card Traps
By: Timothy Neal | - The next time you open your credit card statement, take a closer look at the small insert titled "changes to your credit card agreement". You know the one I'm speaking about. It's that small, folded paper written in legalese that you promise to read some other time (but of course that time never comes) or you just discard it with the other "junk" inserts.
First and foremost you must understand that using your credit card after you've received this notification results in your a ...
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- Credit Card Logos For Your Website
By: Timothy Neal | - If you own or operate a website in conjunction with your business, consider posting a Visa logo, or even Visa / Master Card logos on your website. Visitors browsing the site will be more apt to linger and shop when they know you offer the convenience of buying on credit cards.
To display Visa or Master Card logos on your site, you will need to apply for a merchant account. This is a special account set up by a financial lender that allows you to accept credit payments via credit ...
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- Applying For Instant Approval Credit Cards Online
By: Timothy Neal | - Instant approval credit cards are convenient ways in which to get you some instant credit. Apply for an instant approval credit card online and you can find out, within a few minutes if you are eligible for one or not. So an instant approval credit card is fast, its simple, and really a boon if you want some instant credit extensions. The key for getting an approval lies in making your application correctly and wisely. Here are tips that will help you get an instant approval credit card online. ...
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- Applying For Credit Cards Online
By: Timothy Neal | - More and more people are applying for credit cards online. With the plethora of different means for which you can apply for your desired card, companies really try to make it easy for you to apply for their credit card. Along with online auctions, and shopping, signing up for credit cards, loans and insurance has been one of the fastest growing commercial activities on the net. Part of the reason is the speed and convenience of doing so. Another part of the reason is that you can find out the of ...
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- Credit Card Payment Holidays - Blessing Or Curse?
By: Timothy Neal | - If you have a credit card (most Americans have over 10) then you've probably received an offer called a "payment holiday". You'll receive a letter that says something to the effect, "That because XYZ Credit Card Company understands how difficult it is for some families around this time of year to make ends meet (or whatever other excuse they can come up with) that you are being given the opportunity to take a month off from making your monthly payment as a 'special gift' and thank you for being ...
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- Avoiding Credit Card Fraud
By: Timothy Neal | - Credit card fraud is becoming more and more of a problem, and if you are not careful then you could lose money to fraudsters. If you are worried about fraud but are unsure how you can protect yourself and your credit cards, then this article could help you. Here are some useful tips and advice about how to protect yourself from credit card fraud:
Methods of fraud
The methods and types of fraud are increasing as criminals learn new techniques and get improved technol ...
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- Credit Card Debt Consolidation And The Middle Class Trap
By: Timothy Neal | - Credit card debt consolidation is something many of us will have done at least once or considered doing. The immediate advantage is to save money on interest rates by moving balances on to a loan which will charge a fixed rate of interest with fixed repayments.
The wise move to make then is to cut up your cards and then just pay off the loan. So how many people actually do that? Having a clear credit card in your wallet is too tempting a thing to have now you are under the illusio ...
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- Credit Card Eligibility - Are You Eligible?
By: Timothy Neal | - Have you wondered how credit card eligibility is determined?
Curious whether you're eligible for a credit card?
It all has to do with your credit rating and credit score. Here we go with a quick tutorial on what constitutes credit-worthiness and how you can make sure that you are eligible for a credit card when you want one.
Credit Reports and Credit Scores
When you buy something on credit or have a credit card, the credit card company ...
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- Credit Card Interest Rates 101
By: Timothy Neal | - So you just opened an envelope that contained a shiny piece of plastic with your name on it. Awesome ... a bank or financial institution just gave you a line of credit! Before you start joyously swiping it on just about any cash register, take the time to read this article to understand the credit card interest rates.
A credit card is an authority to spend the money of the company that issued it, in return for a promise that you will repay them in the future, called payment-due d ...
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- Credit Card Danger - Are You At Risk?
By: Timothy Neal | - What I call the, "I want it NOW" syndrome, is something that we expect from children. The problem being that many adults never mature enough to grow out of this syndrome. People should get credit counseling at a very young age - it should be a required curriculum in our school system.
There are many theories as to why people feel such a strong need to go deeply into debt in order to fill their lives with material things. Credit cards are a required necessity in today's modern worl ...
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- Credit Card Cashback Offers - Are They Worth It?
By: Timothy Neal | - Cashback is a popular incentive offered by many credit card companies. What it means is that for every dollar you spend, your card issuer will give you back some money, usually in a single payment made once a year.
The amount paid back is calculated as a percentage of your total spending. Percentages vary, but typically range from 0.5% to 2%. Some card issuers pay higher rates for purchases in some categories or made through certain retailers. The Discover Platinum Card, for examp ...
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- Credit Card Debt Freedom Is Possible
By: Timothy Neal | - Credit card debt have you drowning financially? You're not alone. The average American household carries $9,205 in credit card debt, according to CardWeb, an online industry tracker. Not managed properly, this debt can come to eat up all of your disposable income leaving little or nothing for bare necessities. Some people in this situation respond by charging more but that will only get you further in trouble.
Fail to plan and you plan to fail
There is this clich th ...
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- Credit Card Debt - What Is The Answer?
By: Timothy Neal | - Credit card debt has been an ongoing problem ever since the credit card was created in 1950. People were going into debt at an astounding rate. It wasn't very long before the people were in so much debt that they couldn't possibly pay it all back.
The federal government noticed that Americans were in over their heads. So they invented a plan and called it "Credit Counseling". Credit counseling was created as a means for the average American to find out what steps he could ta ...
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- Credit Card Comparisons - Choosing The Best Deal
By: Timothy Neal | - With debt at an all time high, many of us will be looking to either transfer our current credit card debt or apply for a new credit card with more benefits or lower interest rate. However, with a plethora of card offers out there, deciding which card, if any, is best for you can seem a little daunting
What follows are some useful tips and advice that hopefully will help your decision making a little easier and clearer.
Loyalty/bonus cards
As people's ...
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- Credit Card Rebates - What They Mean To You
By: Timothy Neal | - With all the spending you do on a weekly basis, wouldn't it be great to get some of that cash back at the end of the year? With credit card rebates, you can do just that. Rebate credit cards offer you a percentage of your money back. So when you spend with your credit card you can be earning money. This is a great way to add to your end of year savings or to earn a little extra money for holiday shopping expenses.
How Rebate Credit Cards Work
When you sign up for a ...
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- Credit Card Debt Help - What Are Your Options With Credit Card Debt?
By: Timothy Neal | - If you find yourself feeling overwhelmed by your credit card debt, it is time to take action. There is credit card debt help out there and you do have options available to you to help bring your credit card debt under control. Once you investigate the options open to you and determine what is best for your individual financial circumstances, you can make a solid debt reduction plan and be on your way to becoming debt free.
Do It Yourself
If you are only dealing with ...
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- Credit Card Rebates Overview - What Should You Know?
By: Timothy Neal | - Rebate credit cards, or cash-back credit cards, are a popular feature that many credit card companies are offering to their clients. When you apply for a rebate credit card, you are essentially enrolling in a program that is designed to give you back a percentage of the cash you spend on the card. For each dollar that you spend, your credit card company will offer a rebate. However, the rebates are generally set to become active at pre-determined price points. For example, you may only qualify t ...
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- Credit Card Balance Transfer - How To Use It To Your Advantage
By: Timothy Neal | - A credit card balance transfer is not right for everyone. Just like most of the options in the world of finance there are some definite benefits to getting your own balance transfer credit card as well as some pretty significant downsides. The key to success with any kind of balance transfer or any other financial product or service is to first learn all that you can about that particular subject before you can understand how to use it to your advantage. Never jump into getting a balance transf ...
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- Credit Card Bills - Read Them Carefully
By: Timothy Neal | - Many people fail to read the fine print when applying for credit cards. Even after they are approved, many people also fail to carefully read their statements. This could lead to disaster, as many credit card companies put clauses in the contracts which allow them to raise your interest rate for many different reasons. The fine print on a credit card document can be hard to read and tedious, and it is no accident that it was designed this way. Credit card companies make billions off the ignoranc ...
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- Credit Card Collection Agencies Secrets
By: Timothy Neal | - Have you ever wondered why collection agencies keep calling you more often? There are numerous situations that credit collectors use to get the money you owe.
But let's start from the beginning when you get your credit card. Obviously everyone knows that you need to pay your credit card on time. However, situation is not always the same when it comes repaying your credit card debt.
Once you are late on your credit card, Credit Card Company will alert you and gives ...
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- Consolidate Your Credit Cards - Lower Your Monthly Payments
By: Timothy Neal | - If you're like most North American people today, you go through life carrying a fair amount of credit card debt. And if you're like most North American people, you're okay with that. $100 per month in repayments is fine, even if you're aying that much on three different cards. It's doable you can afford it, if you have to. But here's the thing if you consolidate your credit card debt, you don't have to.
Do the math with me here: You have a Mastercard, a Visa, a Discover card and ...
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- Credit Card Balance Transfer Fees
By: Timothy Neal | - The idea of a balance transfer deal was introduced to the UK in the year 2000 by innovative online bank Egg plc, who offered customers a bait of 0% interest for six months on balances they transferred from another credit card.
The feature was an instant hit, and more and more card issuers began to offer similar deals as competition for customers grew more intense. Before long, it seemed that every card available had 0% deals of ever-increasing lengths.
It didn't tak ...
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- Credit Card - Advantages And Disadvantages
By: Timothy Neal | - A credit card can be an asset to your lifestyle, but if not handled carefully it can become a liability, especially if you find it so convenient and easy to use that you lose control of your spending.
This short guide will help you understand how you can use your credit card so it works to your advantage, not against you.
Advantages
A credit card can:
1.Offer free use of funds, provided you always pay your balance in full, on time.
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- Revealed: How To Avoid Credit Card Traps Once And For All!
By: Timothy Neal | - If you're like most Americans, offers for credit cards arrive in your mail on a daily basis. Why are credit card companies so eager for your business? There are many reasons.
Credit cards, for one thing, are not free cash. Funny enough, many customers think of them this way, and that "aha! is how credit card companies make their money.
You'll notice when you read through the fine print about credit cards that there are varying APRs, or annual percentage rates. This ...
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- Constant Credit Card Payments - Are They Necessary?
By: Timothy Neal | - Are you trapped into making only minimum payments on your credit cards? I hope not.
Minimum payments decline as the balance on the credit card declines.
Let's take a credit card with a $2000 balance at 15% interest to use as an example. You would expect to pay about a $40 (2%) monthly payment when you start making your payments:
By making the minimum payment only, it will take you 13 years and 11 months to pay off your credit card and you would expec ...
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- Everything You Should Know About Consumer Credit Counseling
By: Timothy Neal | - Consumer credit counseling is a big service field in the United States. It is a common problem for many persons in the United States to face a potential credit card debt. To show these persons the right way to act these credit card counseling services are in the scenario.
Every year, more than one million persons in the United States visit credit counselors or credit counseling agencies. They want help to get rid of their credit card debts and regain financial control. But still c ...
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- Credit Card Rebates - How They Work
By: Timothy Neal | - Simply put, a credit card rebate is a cash reward a credit card company gives you for using their card. In terms of how the card actually works, the company that issues the rebate credit card charges the vendor from whom you make the purchase. You make the purchase from that vendor because you are getting cash back through your rebate credit card. The credit card company shares its earnings from vendor tie-ups with you, and thus attracts more customers. So everyone benefits.
Types ...
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- Credit Card Applications Faq - Your Credit Questions Answered!
By: Timothy Neal | - Lots of folks have questions about credit cards but may feel shy about asking for fear of being seen as not savvy. Here's a list of frequently asked questions about applying for credit cards to bring you up to speed on what you need to know about the credit card application process.
Can I apply for a credit card?
In general, if you're 18 years of age or older (the age limit may be lower in some states) and are a U.S. citizen, you have the legal right to apply for a ...
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- Avoiding The Pitfalls Of Business Credit Cards
By: Timothy Neal | - For startup entrepreneurs having an excruciatingly difficult time raising capital for their project, borrowing against business credit cards becomes a very real temptation; and sometimes, it is the only option immediately available. The caveat is that if you do not manage your business credit cards wisely, you may end up failing in the venture that you have long wanted to establish. Without proper management, the debts that one incurs from business credit cards will simply pile up.
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- Balance Transfer Credit Card Offers Gaining Momentum
By: Timothy Neal | - Only two out of three credit card customers pay their balances off every month, paying more than they should (and could). If you're one of them, do not despair; with a credit card balance transfer you could easily do a balance transfer and save! If you recently made a big purchase but you can't possibly make your payment on time, try using a balance transfer credit card that would allow you to you could save a lot of money transferring your balance to other balance transfer credit cards that wil ...
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- Avoid Being The Victim Of Credit Card Fraud
By: Timothy Neal | - Are you aware of how many ways there are for thieves to take access of your credit card accounts and make unauthorised charges against your account? Simply by rummaging through old receipts that you have thrown out or left somewhere public, or by a shop assistant quickly scribbling down your card details while they are out of your sight, or by an untrustworthy seller who you give your details to on the phone, by mail or on the internet, your private account details can be taken and abused by any ...
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- Are You Managing Credit And Debt Or Is It Managing You?
By: Timothy Neal | - Credit is an established part of American life. It can be a valuable tool permitting you to purchase a home or a car, finance an education, or take advantage of special sales and offers. Unwise use of credit, however, will lead to financial problems. Knowing your legal rights and remedies is a first step to resolving those problems.
Your credit report
Your credit report is an essential element for a sound fiscal future. Employers, insurance agencies, and future cre ...
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- Are You Credit Worthy? Discover How To Make Sure You Are!
By: Timothy Neal | - Having good credit is essential in today's world. Acceptable credit will generally get you what you want, but bad credit can be the kiss of death. If you want a house, you need a mortgage. If you want a car, you're likely going to take out a loan. Anytime you apply for credit, the lender is going to pull your credit report to determine whether or not you are a good credit risk. Not everyone is a good credit risk but there is something you can do to make sure you become one.
Millio ...
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- Balance Transfer Credit Card - Benefits Of Competition
By: Timothy Neal | - The balance transfer credit card is one of the starkest examples of how competition benefits the end consumer. Consumers with good credit and high credit card usage can use balance transfer credit card to save dollars from a few hundred to much more depending on their credit card usage and the amount of balance transfer.
In simple terms, if you have good credit, companies are looking to provide the offer, even if they do so at a lower rate of interest. You benefit from low interes ...
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- Credit Card Balance Transfer Revisited
By: Timothy Neal | - Credit card balance transfers are one of the financial world's great empowering features, but they can only be done successfully if you follow the rules and don't fall foul of them. Firstly you must consider the benefits, then the pitfalls. These two aspects are more or less permanent features of the credit card balance transfer system.
The benefits can be summarised as the product of a twofold strategy:
You can transfer credit card balances once the initial interes ...
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- Credit Bureau Reporting, A Bonus Of Easy Approval Cards
By: Timothy Neal | - Easy approval credit cards represent a step in the right direction for the many of us who have pretty bad credit. These cards have a significantly lower set of standards for an applicant in order to be accepted, and are available from several issuing companies. They also have several features that, if utilized properly, can help move your credit score in the right direction.
As one would expect, though, these cards come at a cost to the applicant in comparison to other cards that ...
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- Credit Card Rebates & Rewards
By: Timothy Neal | - Rebate credit cards have proven recently to be a great favorite among consumers. Credit card rebates could mean you're getting discounts whenever you use your rebate credit card for purchasing items of any kind for that matter.
Credit card rebates are similar to cash back credit cards with which you could accumulate points towards a rebate structure. This is based on how much the card is used over a period of time and depending on the different kinds of rebates and promotional off ...
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- Banking With Bad Credit
By: Timothy Neal | - If you have bad credit, then banking and using financial products can be hard. However, there are ways that you can bank with bad credit and still get the features that you want. Also, if you have good credit there are some actions you can take that will easily ruin your credit score and reduce your ability to get the deals that you want. Here is some advice on banking with bad credit, and how to make sure your credit rating isn't affected by your banking decisions
Disputing your ...
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- Avoid The Sting If Your Credit Get Blocked
By: Timothy Neal | - Most Frequent travelers know all about credit card blocking, many from painful first hand experience. Hotels post notices of their policy regarding blocking, usually in the form of an obscure plaque some clerks will point to when an inquisitive visitor checks in. Car rental companies rapidly recite their policy to callers wanting to reserve an SUV for the family vacation. Still hundreds of unsuspecting consumers will feel the pain of credit card blocks every day. So what exactly are these blocks ...
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- Are You Ready For A New Credit Scoring System?
By: Timothy Neal | - Janet just ordered her free annual credit report and was excited about what she saw on her report. She decided to order her FICO score, and low and behold, her score increased over eighty points from the last credit report she ordered over a year ago. She had worked hard to pay off her credit cards throughout the year and was pleased at the positive results on her credit report. Janet was so excited that she finally figured out how to improve her credit report and FICO score.
Unf ...
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- Are Online Credit Card Applications Too Easy?
By: Timothy Neal | - The days when the only way to get a credit card was to visit your bank in person are gone forever. Nowadays, it's even quite old fashioned to apply for a card by mail - it's much easier and quicker to apply online, and in many cases you'll even get an instant decision on whether your application is accepted or not. While this is obviously a great convenience, there is a downside to online credit card applications: they can actually be too easy, and can harm your credit rating.
Whe ...
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