Credit History And Credit Cards Part 1

Credit history

Yet not very long time ago the wallet filled by banknotes was a solvency symbol. Times have changed, at least, in some countries. The large sums of cash can cause suspicion or testify that the credit isn’t accessible to their owner. And to have access to proceeds of credit the good credit history is necessary.

The credit history is a kit of data on credit reliability of the person. These data are stored in credit bureaus; there can be various credit bureaus. Credit bureaus receive the information on how you pay off under accounts and loans from banks and other organizations which services you use. For example, if you have forgotten to settle an account in time for phone the telephone company can report about it in credit bureau and corresponding record in your history will be made.

And then, when the loan, for example, on car purchasing is required to you the organization-creditor will necessarily inquire data on you from credit bureau. And if your credit rating isn’t so high, you can be refused in the loan or you should pay for it on higher interest rate.

To “earn” good history it is not enough to pay bills in time – it is necessary to possess still the real credit. And, perhaps, most popular category of credit is credit cards.

Credit cards

Credit cards are not only convenient, but, at times, are simply necessary. It is necessary to observe safety rules only. They are irreplaceable at the order of the goods and services by phone and in the Internet. Besides, by means of credit cards it is possible to save and even to receive certain benefit if them correctly to use.

How to receive the credit card?

General requirements for credit card reception are the following:

The id, so the status of the inhabitant.
Certain level of the income. For example, for reception of card Royal Bank Visa Classic the applicant should have annual earnings not less than $12,000

* absence of “bad” records in a credit history

* age of majority

It is easy enough to receive a credit card to students. Requirements to their incomes it is essential more low – $1,200 a year to reception MasterCard or Classic Visa. And to receive Green Visa it is enough to be the internal (full-time) department student.

Now about what card is better to choose. The matter is that each of major banks issues some various cards. You can address with the statement in any financial organization issuing credit cards and it is pretty easy to do. Trading companies also issue the cards, but further, it will be a question of credit cards of international payment systems – Visa, MasterCard and American Express.

Do you still remember those good times when everybody could take a loan if one required funds? And just imagine the condition of those who have to bear that load nowadays when the economy is facing hard times. And for those people having credits the matter of credit monitoring is as urgent now as never before. It is not only about credit control, this also helps save money, time, and nerves and be quick in solving loan related problems. Those who are searching for a place where to learn about credit reports, are invited to go to this credit report monitoring site – there is much information about loan monitoring and how to order that service.

Also we shouldn’t forget about possibilities given to us by modern technologies. The Web network provides us with a really unique opportunity to learn what we require or to obtain anything at the best price on the market.

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