You're interested in getting the best credit cards for your family's needs, but you don't want to be cheated. Or you're interested in small business credit cards, but you've heard that some of them aren't terribly secure. What do you do?
First, don't look for the best credit cards in your email box; and don't pick out your small business credit cards from your daily junk mail. While these are often good bargains and perfectly honest companies, junk mail and email are also the way fraudulent credit card companies find their victims, or less-than-great credit card companies find customers. The best credit cards are the ones you seek out yourself. Whether you're looking for small business credit cards or good credit cards for your personal use, be an active rather than a passive buyer.
Go to your bank and ask them if they carry credit cards, or if they can recommend a good company. Chances are, the answers will be yes, and yes. For unsecured cards, your bank may have less than great rates; but for cards secured by home equity or an equivalent security, your bank will probably have rates competitive with the best advertised prices out on the Web or television - and you have the added comfort of knowing you can trust them.
Go to the MasterCard or Visa websites and ask them for reputable card providers; they may be willing to provide you with a list. Or only apply for cards affiliated with a bank you have heard of, like Wachovia or Bank of America. If you are applying for a card with junk mail applications, look carefully at the application. Does it appear less than professional? Are there misspellings or odd errors? This may be a fraud.
Whoever you go to, keep a record of your application, and follow up on it a month or so later if you haven't heard anything. The information you get that way may save your credit rating.
Jeff Altmire is the author of this article. This article may be reproduced on websites subject to credit being given to the author, and a link to this website. If you would like more information go to http://www.best-credit-card-cards.com
article_text... Read More
article_text... Read More
article_text... Read More
article_text... Read More
article_text... Read More
article_text... Read More
article_text... Read More
Identity theft statistics are shocking... Read More
Until recently lawyers for victims of credit damage had little possibility to collect for damages beyond medical treatment, lost wages and property loss... Read More
In Less Than 30 Days... Read More
To repair your bad credit does not necessarily mean that you now have a good credit, absolutely not... Read More
As a consumer you've learned the importance of establishing a good credit rating with your lenders... Read More
If you opened a credit card statement recently and were pleasantly surprised to find that your minimum payment due was lowered, don't be so quick to "jump for joy"... Read More
You've just opened your credit card bill and attached to your statement you find a "convenience check" included... Read More