| Secured Credit Card |
| KEY FEATURES |
- No Annual Fees
- 0% PURCHASE APR for 6 months
- Credit Not a Factor
- Choose Your Limit - $300 to $2000
- $0 Fraud Liability
- Build Your Credit History
Reports to All 3 Major Credit Bureaus!
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| GET YOUR SECURED VISA NOW! |
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CREDIT CARDS
Credit is so much more than a plastic card. It’s your financial trustworthiness. Having good credit means it will be easier for you to get loans and low interest rates. Low interest rates usually translate into smaller monthly payments. That’s important when you borrow money for a car or a place to live. Sometimes, people even check your credit when you apply for a job.
So good credit is important, and having bad credit can be a real problem. Credit cards offer many advantages such as convenience, the security of not having to carry cash and fraud protection. You can use a credit card to buy things and pay for them over time. But remember, buying with credit is a loan - you have to pay the money back. In addition to the cost of what you bought, you will owe interest as well.
You may need credit for immediate reasons, such as:
- Renting an apartment or car
- Travel or hotel reservations
- Getting phone/utility service
- Financing a car or home
- Paying for school expenses
- Spreading out payments on high-dollar items
By establishing a good credit history, you'll have access to credit later on for things like buying a home, a car, making emergency repairs or just make it easier to make online or other everyday purchases. With these advantages also come responsibilities. You need to properly manage your credit card by understanding the terms and conditions; you must make your payments on time; and you should understand the true cost of purchases when you pay interest. Using a credit card is like taking out a loan. If you don't pay your card balance in full each month, you'll pay interest on that loan.
People who are just starting out might find it hard to get a loan or credit card. That’s because having no credit history makes it difficult for lenders to know if you’re a good risk to repay a loan and make your payments on time.
Establishing a good credit history is not as difficult as it seems. In all cases, however, you’ll need to make payments on time. Some tips include:
- Apply for a secured credit card. By borrowing against your own money, creditors find this to be far less risky. Prepaid and debit cards are not loans and thus do not affect your credit history.
- Apply for a credit card through a local store. Local stores are more likely to extend credit to people without an established credit history.
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