Find Credit Card Applications For Fair Credit Credit Cards [mortgageinsuranceguide.blogspot.com]
My hero, Dave Ramsey, tells of abusive practices and the violation of Federal law incorporated by debt collectors - particularly credit card debt collectors. Most people do not know that they have rights guaranteed to them by the Fair Debt Collection Practices Act (FDCPA) and debt collectors knowingly and habitually break these laws in order to frighten them into paying. IT IS NOT AGAINST THE LAW TO OWE MONEY! Do not allow yourself to be lied to (example: "You're going to go to jail if you don't pay this" is one of their favorites!) or treated without the dignity you deserve. KNOW YOUR RIGHTS UNDER THE FDCPA: Collectors can NOT call you before 8 am or after 9 pm Collectors can NOT threaten to have you arrested or charged with a crime if you dont pay Collectors can NOT continue to call after you have indicated you want them to stop (record your conversation with them, tell them you ARE recording it, write the date and t ime down in a journal, and follow up with a certified letter stating they may no longer call.) Collectors can NOT call friends, family members or colleagues repeatedly in order to get you to pay (they may call your acquaintances ONCE in order to track you down and may NOT mention that you owe money or give ANY information that would lead someone to believe that they are attempting to collect a debt.) For more information on your rights under the FDCPA, please visit my website at www.myarrp.com (click on the "Help With Credit" link at the top.) To the scum ...
mortgageinsuranceguide.blogspot.com Dave Ramsey - Credit Card/Debt Collectors are SCUM
If you are filling out credit card applications for fair credit credit cards, you should check out a number of companies first. Since your score is fair and not bad, you can try getting a card at your bank. There are also websites online that offer various cards for all kinds of scores from bad to good. It is important to check with more than one company so that you get the best deal and the least amount of interest and fees.
You can get cards with reasonable scores since “fair†is considered a decent score. Fair credit runs along the 620 to 659 score. Although this is a decent range, it may not be enough to get you the best perks such as very low interest rates and freebies. To take advantage of better benefits, you can start building your history with fair credit credit cards. Getting a card can help you improve your history if you always pay your bills on time.
When you look for credit card applications, you should look for one that will let you pay off your bills easily.
To find a perfect card for you, visit websites that offer various kinds of cards for different scores. You will find cards with low interest rates, and some with 7.90% APR to 24.9% APR. There are cards with zero annual fees and other with $ 59 annual fee. Some cards will have set up fees of $ 39 while others won’t have any set up fees. If you are trying to save during your credit card applications, then choose the cards with zero set up fees and no annual fees.
So you can easily pay off your monthly card bills, it might also be helpful to get a card with 0% or very low APR. You have to remember that paying of the bills on time for your fair credit credit cards is of utmost importance if you want to get better cards with lower interest rates and perks like free hotel accommodations and air miles. If you fail to pay on time, a few days late payment will reflect on your credit history and bring your score lower than before.
Using these kinds of cards is a great way to fix or improve your credit history. With better scores, you can easily apply for a better card in the future. You also won’t have a problem buying a car, home or renting an apartment with better credit. Think about your future and your financial capabilities when filling out credit card applications. Apply only for card you can manage to pay off on time. More Find Credit Card Applications For Fair Credit Credit Cards Topics
