- - - Home and Family Living

Main Menu
Our Family Bargain Shop
Current articles
Sprint Ring Tones
Waging the War on Bed Bugs
Natural Garden Fertilizers Explained
Think First Before Joining Prepaid Legal Services
Bathroom Repairs and Renovations: Easy
Popular Car Canopies
Find Your Reward: Federal Grant
History of the Accordion
Mortgage Insurance Tips
Remodeling a Fireplace
Unsecured Credit Cards
Goal Setting for Kids
Gourmet Foods
Dog Care Fundamentals
Unsecured Credit Cards PDF  | Print |  E-mail
Image Why does the credit card I'm interested in want me to put money into a bank account. Can't I get a credit card without doing that?

An unsecured credit card allows you to obtain credit without having to deposit money into a bank account. This type of card does not require that you maintain any sort of minimum balance in order to use it. Unsecured credit cards are become the rule rather than the exception to the rule. Got no cash? Put it on a card and pay for it later.

Interested in getting an unsecured credit card? Just wait # the offers will come to you. Lots of credit card companies are sending out applications to almost everyone these days. All you have to do is fill out the application and send it in. Some companies will even allow you to apply over the phone or online. Applying in this manner allows you to get your new credit card even faster!

No credit? No problem! If you haven't yet established your credit, you may not have received a credit card offer in the mail yet. You can go online and check out credit card sites. This may be your best option for getting an unsecured card. When you compare offers you've found online, you can choose the deal that's right for you. As long as you're bringing in income, you should have no problem getting approved. Your credit limit may be low, but it will get higher as you build up your good credit.

Shop around for the best deal. Do your research. Make sure that the credit card company that you choose is in good standing. You should be trying to get a card with one of the major credit card companies. Look for the offers that have lower interest rates. You may have to settle for a higher rate if you haven't established your credit yet, but as your credit gets better, so will your interest rates.

When looking on the internet for a good credit card offer, choose wisely. Don't give every offer your personal information. Make sure that the site is secure before you give out any personal or private information. Some scams out there pretend to be a credit card company just so they can get your information and steal your identity. Be just as careful as you would with any other website. Use common sense and good judgement.

If you don't want to start out with one of the big brands of credit cards, you can apply for credit at your favorite department store. Most department stores offer their own credit cards that are good for use in their store only. This is a great way to build up your credit. The interest rates on these cards are usually higher, though, so be sure to use the card wisely and pay off the balance every month. This not only keeps you from having to pay interest on debt, but builds up your credit.

No matter what your needs are, there's a credit card out there for you.
< Prev   Next >