Exxon Mobile Credit Card

  Exxon Mobile Credit Card  - Start building positive credit history in 3 simple steps  - Apr 18, 2007  

Credit history, credit score, credit report-- these words will greet you sooner or later when you apply for a loan, mortgage, rent an apartment, apply for a job, or last but not the least apply for a credit card. Efforts towards building a good credit history should begin early, right from the student life. Ironically most of the students are not aware what is needed to build a credit history. In this article we look at three simple steps that can get you a jumpstart towards good credit history.

1. A checking or savings account

Begin with opening a checking account in your name. This is the first step towards acquaintance with banking and financial institutions. The idea is to open a bank account as early as possible, keep it in good standing, and it should reflect financial stability. And yes, the bank account should be in your name. Don't open and close bank accounts too frequently as this is perceived wrongly by credit reporting agencies. If you open a savings account, the money deposited in it can be used for security purpose when you want a loan.

2. Start paying the bills with your name

You need a mobile right? Go ahead and get a connection in your name and pay the bills so that they build credibility to your name. The way you pay your bills matter the most. If you pay everything on time and in full, a good credit history is waiting for you. The converse is also true. If you start faltering on your bill payments it will reflect badly on your credit history and you will definitely face problems while getting good credit cards and loans on cheaper terms.

3. Get a credit card

Students get numerous offers for credit cards when they enter a college. Some of them get carried away and take a few, and then use them to pay for all kind of things, and end up in debt. This is definitely not advisable. Credit cards are essential to building a credit history but too many credit cards do not build credit history faster. The thing that matters most for credit reporting agencies is how well you are able to repay your debts. Remember any credit card money is a loan which has to be repaid. The less the loan the better it is for you. So, try to get one good credit card and start using it wisely.

These three steps though, look pretty simple can go a long way in building strong foundations to a good credit history that will help you all through your life.

  Exxon Mobile Credit Card  - Wired Plastic Prepaid Debit Card: Excellent features and lots of freebies  - Jun 19, 2007  

Prepaid debit cards with their exciting features are catching the eyes of credit card holders. The convenience, ease of application, almost guaranteed approval, financial discipline and excellent service make them at par with credit cards without the heavy fees drawback. Coupled with some great offers the prepaid debit cards become a thing simply not to miss. In this article we take a look at one of the most popular prepaid debit card the Wired Plastic Prepaid Debit Card. With all its goodies this prepaid debit card is packed with lots and lots of freebies.

One of the most widely owned prepaid debit card the Wired Plastic is also one of the most advanced debit card. It has a great innovative rewards program and flexible pricing plans to suit a large section of the population. Wan' to add money to your Wired Plastic prepaid debit card? It's a breeze with several convenient loading options including the Free direct deposit, bank transfers and instant cash. You can also load your Wired Plastic Prepaid Debit Card from more than 100,000 yes you got it right more than 100,000 retail locations spread all over America.

The amazing Click-n-Pay™ technology allows anyone to schedule recurring monthly bill payments. That makes paying for your car, rent, utilities very easy with the Wired Plastic Prepaid Debit Card. The excellent account management features come with the unique PersonalPay™, this helps you send a check or transfer money to other account online or over the phone, anytime.

Now the excellent freebies, the Wired Plastic Prepaid Debit Card has the following unmatched features:

  • New Card for Convenient Tap-n-Pay Purchases at Merchants Nationwide
  • No Bounced Check, NSF and Overdraft Charges EVER!
  • FREE Rewards Program - Earn 1 point for every $1 spent, redeem for Prepaid Wireless Airtime, Music Downloads, LD Calls
  • FREE Bill Pay Service - Pay Anyone Online or Over the Phone
  • FREE Credit Builder with Overdraft Protection
  • FREE Mobile & Email Alerts
  • FREE Direct Deposit - Eliminate Check Cashing Fees

These features make the Wired Plastic Prepaid Debit Card stand out in a maze of prepaid debit cards. Though we take every precaution to give you the latest on Wired Plastic Prepaid Debit Card but, issuing company reserves the right to change these and other features anytime. So, it is always better to read the terms and conditions to get the latest about Wired Plastic Prepaid Debit Card before deciding on one.