Instant Online Credit Card

  Instant Online Credit Card  - 5 compelling reasons why people go online to apply and get their credit cards  - Apr 17, 2007  

Gone are the days of long queues, lengthy paperwork and running from bank to bank, just to get a credit card. The online way is here. Forget all the hassles, all that you need to get a credit card and more can be done using a computer and internet, right from the convenience of your home. There are numerous advantages of using internet to apply and get credit cards. In this article we look at the 5 most compelling reasons why more and more people are adopting it.

1. Instant approval (or rejection)

No, long waits for that credit card decision. Fill in an online application and get instant decision in your email. This also saves a lot of embarrassment if the application is rejected (imagine facing a real rejection personally or on telephone). Credit card companies have numerous offers, if they reject your application and find that another offer suits you. They will readily email you that offer. This convenience is unmatched.

2. 24/7 convenience

No paperwork, no long queues, no driving, no hassles. Online application is available 24 hours a day 7 days a week and 365 days a year and all this can be done as long as you have a computer and are able to connect to the internet. The customer service is available via email, chat and toll free numbers. What more do you expect?

3. Information on your fingertips

Puzzled with financial acronyms? Want more information about a particular topic? Internet is the information powerhouse. There is a good help section on most credit card websites where they explain various terms and topics. And for some reason if you are not able to find it on the credit card website, simply Google your query and you will have your answer. Apart from all this there are expert groups, forums and knowledge base which will clear all your doubts.

4. Compare offers easily

Comparing two or more credit card from different companies is a snap. Many credit card websites provide this service. All you need is to select the cards you want and click on compare. The facts presented in a tabulated form, help you decide better and thus save more and get more with your credit card.

5. Online account management, updates and offers

Credit card companies, now allow you to access your account via internet. You can check, download, and make payments to your account all from the comfort of your home. Signup with the credit card company and receive online offers, promos, and updates about your credit card right in your mailbox. So, you have instant access to good and relevant information when you check your email.

The internet has given a new dimension to the convenience and hassle free credit card experience and it is gaining popularity at a rapid rate. If you haven't done it till now, its high time you took advantage of internet and add comfort to your life.

  Instant Online Credit Card  - 3 big credit card mistakes most of the new credit card holders make  - Jun 25, 2007  

Credit cards with all their benefits and drawbacks are here to stay. They have become an integral part of modern lifestyle. Sooner or later everybody tries to get one and make his life simpler. But, do they all take the correct decisions when they try to get a credit card? The answer is No. In this article we take a look at few of the big mistakes people make when they begin their credit card journey.

Are you going for a credit card simply because your friend has it? Think again. You could be making the worst mistake of your life. Credit cards, though having standard terms and conditions must be chosen very carefully. Every individual is different and so are their needs and financial conditions. The credit card is an important thing, the use of which will decide how your credit history fares over a period. So, don't just make an impulsive decision.

With so many good credit card comparison sites cropping up on the internet, why don't you compare the credit cards before deciding for one. It is very simple and extremely convenient. Within few minutes you are able to look at various features of credit cards side by side and thus get better data to decide on the right card. Going for a credit card without comparing various offers is like shooting in the foot.

You just got your credit card by post and you are indeed very delighted. But do you know what to do with it? The first thing is to check out the terms and conditions associated with the credit card. Most of the credit card companies don't enforce the terms unless you start using the credit card. Reading the credit card terms and conditions will enlighten you about the way credit card will charge interest and other important things. Strange but true, most credit card holders do not read this document and find themselves in trouble later on.

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