Visa Credit Card Application 5 Tips For Getting Approved

By Morgan Hamilton

Getting a visa card, whether your first or your fifth, is an exciting prospect. Filling out the application can be just as nerve-wracking as getting the card is exciting. Several things can improve your chances of getting that all important visa card credit application approved including complete and truthful information, knowing what cards are out of your credit range and applying for a secured card if you can’t get an unsecured one. What follows is a look at the things you should pay attention to when filling out your visa application.

1. Know the requirements before applying for a card. Know the criteria for getting a credit card at all. First you must be eighteen. Next you must have a steady income or be a full-time student who has some dependable source of income.

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2. Don’t apply for cards out of your league. Many of the online directories for credit cards will show you straight out what type of credit you need in order to qualify for that card. If you know your credit is less than perfect, don’t apply for a visa card that requires excellent credit. By concentrating your efforts on visa cards that match your current level of credit rating, you have a better chance of getting your visa credit card application approved.

3. Fill out all of the information required. Many times applicants will skip over questions they don’t know or don’t want to ask. Don’t try to hide anything by leaving a section blank since that will only result in you getting declined for credit. If a question is asked that you don’t know off-hand, hunt up the information rather than risking a rejection from the credit company.

4. Be Honest. Some people think credit card companies ask question on the application and then don’t check whether the answers are true. Nothing could be further from the truth. Know that every application is followed up with a complete credit history check and income verification process. You won’t be able to fool anyone so don’t bother trying.

5. If all else fails, apply for a secured visa card. A secured visa card is an excellent way to build up credit when your credit score is so low you can’t get an unsecured visa card credit application approved. A secured card will require a small monetary deposit to back up the credit limit on the card, but it will get your foot in the door.

About the Author: Morgan Hamilton offers expert advice and great tips regarding all aspects concerning Credit Cards. Get the information you are seeking now by visiting


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Why It Is Important Not To Ignore Summons For Credit Card Debt

By Sean A. Kelly

Most of us have credit card debt but for many of us in these difficult times, it is unfortunately ballooning beyond our control. Managing a mounting debt is bad enough, but if you receive a summons for credit card debt, it can indeed be frightening. In case you still default on payment even after receiving the summons for credit card debt, you may actually invite prosecution from the collection company that may try to obtain a judgment against you. It is therefore, of utmost importance that if you receive a summons to attend court, you do not ignore it and immediately take proper legal advice. The court hearing will proceed anyway, and if you choose not to attend the hearing, the case will go against you by default. But there may not be an undue cause for worry about what might happen to you at court. Unless there is a court order against you already for your debt, there is practically no chance that you will be given a custodial sentence.

In the event that the credit card company wins their case against you, a court order will be made against you. This will involve the court firming up the terms on which you have to repay your dues. Since you can’t be forced to pay money if you don’t have any, the court will look at your finances and set a repayment amount that is within your means to pay. Also, since this would be a legal order for you to pay, you would need to be extremely careful to do exactly what the order says. Not complying with the terms of a court order in letter and spirit can lead to more serious consequences than those that are possible at the original hearing as this would be considered breach of the court order. This would also give your credit card company additional leeway to seek further legal redress which can include a plea for deducting money directly from your wages, or even your imprisonment. The best course of action in case you have not yet had a summons, or if there are other credit card companies that you owe money to, would probably be to be seen by them to be taking action to rectify your situation and pay them back what you owe.

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If you find yourself drowning under credit card debt, it is always advisable that you take visible action and assure the credit card companies that you want to resolve the situation to the best of your ability. A good way to do so can be to consider signing up for a debt management plan. A debt management plan can be used for all your unsecured debts and would mean that your debt from different creditors can get consolidated into a single debt and you would have only one single monthly payment to remember. Depending on your financial situation, a debt management plan can be one of the options for you to avoid bankruptcy. Bankruptcy and credit cards do seem to be related to each other!

Your debt management company can also provide you with all the credit card help information that you may need and would probably assign you a debt advisor who would negotiate on your behalf with the card companies to change the agreement about how you must repay your credit card debt.

There are various debt management companies in the market today and they provide a range of services including debt consolidation as well as settlement services. It is advisable that you apply to a few different ones before deciding which one you prefer.

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summons for credit card debtbankruptcy and credit cardscredit card help information


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How To Pay Off Your 30 Year Mortgage In 12 Years?

By Mark J. Orr, CFP

Is the thought of making 360 monthly mortgage payments getting the best of you? Will the feeling of helplessness

just not let up?

Are you frustrated out of your mind when you think about all of the years you’ll be making those huge mortgage payments and all of the $100,000’s of interest charges that lie BEFORE YOU?

Have you tried everything from bi-weekly mortgage schemes, answering every internet refinance advertisement, sending the bank another $20 with each monthly payment, etc. to payoff your mortgage early — with little or no results?

And if you are like most Americans, you only stay in your home for an average of 5-7 years before you move to a new home. And then you start the thirty year mortgage process all over AGAIN!

How can you ever get financially ahead and pay off your mortgage if you keep beginning the process over and over again?

Well, what if your mortgage lender called you today and said something like…

“if you qualify for our new mortgage acceleration program, we would like to cut up to 18-22 years off your mortgage term. And we’re not going to change anything at all with your current payments”…

What would you say to an offer like that?

Is there even one homeowner in America that would honestly say “NO” to that program?

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That’s right.

There is an easy way to payoff your mortgage in as little as 12 years or even LESS. With no refinancing your current mortgage and without sending your lender larger or more frequent payments.

That is true whatever type of mortgage that you have — even if it is a fixed or an adjustable mortgage rate, 30 or even 40 years long, whether your mortgage balance is only $100,000 or over one million. It doesn’t matter.

And if you have credit card debt that makes you feel like you are drowning in high interest rates that result in huge monthly minimum payments, you can solve that problem as well.

In fact, I would suggest getting rid of that debt before starting to payoff your mortgage debt since personal credit card debt is non deductible off your income taxes.

I’m often asked questions like, are you sure that I don’t have to get a NEW mortgage? Do I have higher monthly expenses so that I have to change my current lifestyle? Am I ever locked into anything?

The answer to all of those questions is NO!

Well why hasn’t my bank told me how I can pay off my mortgage in less than half the time it takes your neighbors?

Let me ask you? Why would they? Why would they want to stop getting 30 years of interest income (your payments) and just settle for 7-14 years of payments? It is not to the lender’s benefit to tell you how get become debt free!

Did you know that with a 30 year mortgage at 7%, that about 80% of all your mortgage payments during the first 5 years of the loan are interest.

Did you know that it isn’t until some point in the 20th year that even half of your monthly mortgage payment goes towards paying down you principle (your loan balance)?

Let me give you an example of a typical client:

Mr. and Mrs. Smith earn $3,000 combined every two weeks in take-home pay (after taxes and benefits). Their normal monthly bills (excluding the mortgage) run $3,000 each month.

They live in a home worth $250,000 with a $200,000 current mortgage balance with 25 years remaining on the loan. Their loan interest rate is 6.25% with a monthly payment of $1,539 (excluding taxes and insurance).

With this set of assumptions, how long would it take the Smiths to FULLY pay off their mortgage with this financial strategy?

Just under 10 years!!

How much interest would the Smiths save over their 30 year original mortgage plan without using this strategy?


So they saved over a quarter of a million dollars in interest and saved years of writing and mailing those hefty monthly mortgage checks! After paying off their mortgage, they get to keep that $1,539 payment every month and use if for their kid’s college or to prepare for retirement, travel or whatever they want!

All with no re-financing and without sending larger or more frequent payments to the lender. They were never locked into anything and retained complete flexibility.

And your interest savings could be much much more — especially if you have a jumbo mortgage or have a higher interest rate.

There’s an old saying that those who understand interest, collect it while those who don’t… pay it!

To learn more about how you can pay off your mortgage quicker than you ever thought possible, please visit the website listed in the author BIO box.

About the Author: Mark J. Orr is a Certified Financial Planner serving clients throughout the USA. To learn more about how to pay off your own mortgage in less than half the time it will take your neighbors please visit:


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Real Estate Listings Property Search}

Real Estate Listings – Property Search


AndySteuerTrying to buy a new home of to sell a property is an experience which can demand a lot of time, energy and patience. Most people have had the frustrating experience of scanning the newspapers and going through the real estate listings again and again every morning in order to locate the elusive dream home or to come across the perfect buyer for your cherished property which you want to hand over to safe hands. You simply wished that you could get the list of all the buyers and sellers who suit your location and budget preferences. However, with the development of the internet, things have taken a turn for the better and searching for the perfect home or the perfect buyer for your property is not as difficult as it was before.

Looking for trained professionals?

YouTube Preview Image is a website which helps you list your home and also locate good homes according to your needs, budget constraints and location preferences. Listing your home on is a very good idea since your property becomes more visible to prospective buyers. The way to go about it is simple. You just have to approach the nearest Help-U-Sell office and they take care of the rest.

How helpusell works?

The fact that that Help-U-Sell keeps their real estate listings up to date makes it possible to remain current with latest developments regarding a home which has recently come onto the market. Also their property search tool is fast, simple and easy to use. Help-U-Sell has 30 years experience to back your search for the perfect buyer for your home. The seller has a greater participation in the process of the sale of his home and is required to pay Help-U-Sell only according to the cost of services provided to him. The seller sets the price he deems fit for his home. If required, Help-U-Sell’s professionally qualified and authorized agents would help in determining the best price you can get for your home. Taking the help of their professional services is a great investment of your time since each Help-U-Sell agent has many years of backing in the real estate business and would be able to provide the correct advice. Help-U-Sell agents also have a good idea about the going rates of the houses in the area.

The owners have the option of showing their homes to their prospective buyers themselves, or having a Help-U-Sell agent be the direct contact with prospective home buyers. This option helps the seller to market his home in a better way by highlighting all the positive points directly. However, if the owner does not feel comfortable about showing his house, Help-U-Sell agents will gladly show the client’s home for them. As for a person who wishes to buy home, thousands of homes on offer can be located with just a click of the mouse, and when you sell your home, knowing that you will pay a flat fee instead of a percentage of the value of your home will put more money in your pocket at the end of the day.Learn More:

Help-U-Sell Real Estate.

About the author:

Andy Steuer is the Founder and CEO of Fidelity Assets, a real estate marketing company helping real estate agents and brokers generate real estate leads.

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Secured Auto Loans Car Buying Made Lot Easier Now

By Maria Smith

So you want to buy that dream car from a cheaper loan. Surely you would like to drive a car only if it does not worry you about repaying loan on it. And what other loan can suit you better than secured auto loans. You are bound to drive home a new car or a used one after buying it through a very low cost finance once you opt for secured auto loans.

Secured auto loans are the easiest and cheaper loans to avail. All you are required is to place collateral consisting of any of your property like home with the lender. And if you do not like to risk a property, the very car you intend to buy can serve the purpose of collateral. While you take home the car and go on driving it, the lender will take deal papers of the car and will return them after you have fully paid back the loan amount.

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With the security in place, lender is ever willing to offer secured auto loans at lower interest rate as he would like to win over you as customer. The greater loan amount approved to you will depend on higher equity in collateral such as home. Apart from lower interest rate, what makes secured auto loans less burdensome is larger repaying duration. Lender will give you sufficient repayment duration of your choice. If you have many more years for returning the loan, then your monthly payment towards installments is reduced considerably.

Another huge advantage of secured auto loans is for bad credit people. As bad credit borrowers have placed a property as security of the loan, it offsets the factor of bad credit in availing secured auto loans. If the borrower repeats the mistake of payment default, lender can recover the loan by selling the property. So secured auto loans are usually approved without hitch for bad credit borrower.

Make sure that you a car from a reliable dealer so that quality can be ensured. If you are buying used car then have it checked for mechanical defects from an expert mechanic.

There are number of secured auto loans providers on internet. Compare them for lower interest rates for a beneficial deal. It is advisable to apply to an online lender as he is equipped for fast processing and approval of secured auto loans. Certainly secured auto loans are there for asking at lower interest rate and easier conditions. Make the best of the opportunity.

About the Author: Maria Smith has not been writing articles from the beginning. To find a secured loan uk,secured homeowner loan in uk,secured auto loans, unsecured debt consolidation loans visit


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