Question by BoomBoom: When you’re preapproved “to apply” for a credit card, what if you apply without being preapproved?
I love marketing schemes, don’t you:
“Hello, Acme credit cards, may I help you?”
“Hello, yes I would like to apply for a credit card please?”
“Have you been preapproved “to apply” for one of our credit cards?”
“Eh, no, I don’t think so.”
“Sorry, you can’t apply!”

Best answer:

Answer by Marinaio
Class warfare politicians, the majority of anyone elected to anything, advertisers using celebrities for testimonials, marketing companies, global warming alarmists, and con men and women (lawyers, pundits, newscasters, teachers, professors, market analysts, bankers), use language and make laws to fool what they cynically believe is the AVERAGE intelligence of the American public, the majority of the elderly, most minorities, most women, and the young and inexperienced. This cynicism, they feel, combined with the monstrous amount of gullible white men and mass of middle class families (not paying attention, just trying to make a living) they believe will keep them in power and put money in their pockets.

One example – - Homeland Security Secretary Janet Napolitano giving assurances that she’s made tremendous progress on securing the border, telling the Senate Judiciary Committee that it’s “as secure now as it’s ever been.”

Cynically I think it’s working.

Now if Tiger Woods gives a testimonial on condom use, that’s something you can believe in.

Add your own answer in the comments!

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Exclusive Credit Cards And Offers Bad Credit Repair Info And Services and All Types Of LOANS Instant Approval Fast And Easy Guaranteed Visit Us Now Apply Online NO FEES Compare the best credit cards available for US residents quickly and easily with Credit Cards Web, visit today to find…
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www.Getcredithealthy.com Elizabeth Karwowski Paying back students loans is never easy, and if you lose your job, it can be impossible. But now, you can take a break from writing those checks with student loan deferment. 7′s Lynn Martinez tells us how on tonight’s “Money Monday.” WSVN — Tammy Kolinger has a bachelor’s and master’s degree in marketing, but a couple of years ago, she decided to reinvent herself. Tammy Kolinger, Applied for Student Loan Deferment “I decided to go back to school later in my life and study interior design.” The course cost 000, and she took out a student loan to pay for it. But later, she lost her job, just as the student loan payments came due. Tammy Kolinger: “It was very difficult and challenging to be able to pay all my bills, including my mortgage and car payment and everything else that comes with that.” Tammy struggled with the 0-per-month payment until she found out about student loan deferment. Leslie Bosson, Credit Wellness Advisor: “That means you won’t have to pay for your loan for a certain amount of time.” Credit advisors say you might qualify for student loan deferment if you’ve graduated and can’t find a job, if you lose your job, or if your work hours fall below 30 a week. Leslie Bosson: “This is a great opportunity for people to take some stress off of their lives and focus on organizing themselves and looking for a job without feeling that constant stress of having to make their payments.” To keep your loan deferment …

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Book credit repair techniques are a great asset for those of us with less than perfect credit.   Be it past mistakes with credit debt or identity theft.  There’s always something you can do to better your credit score.  Take me for example, after an economic slow down I had some credit problems.  I was honestly ready to throw in the towel.  I tried just about everything, disputing, negotiating with the collection companies, you name it.  I stopped just shy of a new identity.  I read it was illegal.

The only thing that kept me going was my faith that I was going to better my credit myself and get back on tract with my credit.  I wasn’t trying to skip on my debt.  I simply wanted to lessen the damage.  I started to follow closely a book on credit repair that outlined, in detail how to apply some credit repair techniques.  The first time around you never catch everything the way you should so I gave it another read and I found myself understanding a lot more of what I was reading.

Here’s how I applied the validating debt technique to get one collection company off my record.  The FDCPA legislation states that you can request documented proof, from a collector within a 30 days window from receipt of the collection letter.  What you want is documented proof that they now own the account.  You can also request for an accounting of the amount they say you owe.  If the company can’t furnish the documentation they have to stop reporting it and all their collection efforts have to stop.

I wasn’t aware that you could do this.  Asking for proof was the last thing on my mind.  That being said it didn’t occur to me that it could be a way of getting them of my back and my credit report.  This particular book and credit repair technique also covered many of the FCRA or Fair Credit Reporting Act, sections that you want to be familiar with as you work through your credit report.

In my case, I was able to remove most of the collections and settle on the ones I wasn’t able to have removed or deleted.  On accounts settled, I paid in the percentage of 30 to 40 percent of what I owed.  You’ll be surprised how flexible some of these companies will be once they understand you know your rights and know what they can do and not do to collect from you.

To keep it short, this is only one of the techniques I applied to help clear my credit.  I did other things like comb through my credit report looking for duplicates to dispute, re-aging violations and a few others.  The first step is learning to read the report.  There’s a lot of numbers and stuff on those pages.  Not all of it was useful to me.  Learning how to read it was my first step.

Credit repair techniques change.  Using the most current techniques to dispute correctly has worked well for me.  I understand my credit now and strongly recommend consumers understand this critical aspect of their financial life.  There’s a lot of information out there.  Below is what helped me the most.

Credit Repair Reviews

How to clean credit up.

Book Credit Repair

Copyright 2010 Rene C. Alexander.

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Getting approved for a credit card can be difficult without a positive credit history working in your favor. It’s a Catch-22: To obtain a credit card, you need a good credit history. But to have a good credit history, you need to establish good credit!

This no-win cycle can keep people with a non-existent, limited or negative credit history from getting approved for a credit card. But it doesn’t have to if you understand the type of credit cards available and how to build a good credit history.

When it comes to credit cards, the type of card you apply for will depend on your situation. If you’re a student, you’ll, naturally, sign up for a student card. But if you’re a non-student with a non-existent or bad credit history, a card that is secured or obtained with a co-signer may be your best option. With co-signed credit cards, the co-signer guarantees and is responsible for the debt. This means that the co-signing person is responsible for paying the full amount of the debt if the card holder doesn’t pay. In fact, when co-signed debt goes into default, three out of four times co-signers are normally asked to repay what is owed, according to the Federal Trade Commission.

Furthermore, the issuing bank can attempt to settle the debt without first trying to collect from the card holder. The bank can also use the same collection methods against the co-signing individual, including suing and garnishing wages. If the debt is not paid, it can leave a negative mark on the credit history of the co-signer, as well as the card holder.

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Despite the risks, a co-signed credit card can be great tool for helping a friend or relative build their credit history so they can one day obtain a card on their own. Secured, co-signed and pre-paid credit cards offer viable options. But you should start building a strong credit history, so you can obtain a regular credit card on your own in the future.

First, you need to understand how credit card issuers determine credit worthiness. The approval criteria varies from among issuing banks, but generally relates to what’s often called the three C’s of credit: capacity, character and collateral. Capacity refers to your ability to pay based on your income and existing debt. Collateral refers to any assets you have that can secure payment, such as bank accounts or home ownership. Character refers to factors like your payment history, length of employment, etc.

To get a good idea about how your application will fare with credit card companies, check your credit history with one of the major credit reporting agencies: Experian (www.experian.com), Equifax (www.equifax.com) and TransUnion (www.tuc.com). These agencies access your payment information directly from the companies you have credit with, as well as from government agencies such as the legal court system.

Credit reporting agencies use the information in your credit history to determine your credit rating or credit score. Credit scores, also known as FICA or Beacon scores depending on the CRA, generally range from 350 to 850. Most banks will approve you for credit if your score is at least 620. If your rating is 720 or higher, banks will offer you their lowest interest rate.

Generally, y our credit score is determined by your payment history for the last two years. T echnically, CRAs calculate your score using a closely-guarded formula. TransUnion, for example, determines credit scores using a variety of factors, including: how you pay your accounts, how much you owe and how often you’ve applied for credit.

http://www.credit-cards-rates.co.cc/

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At www.goodstudentcreditcard.com incoming and existing college students can compare the best student credit card offers currently available.  Careful credit card habits can lead to a lifetime of low-interest rate loan opportunities like mortgages, auto loans and other forms of consumer credit.  Credit card issuers understand that college students tend to have limited credit histories and lower reportable incomes.  Notwithstanding, good students enrolled in universities and colleges throughout the country are often given the opportunity to start building a credit record early.  This opportunity should be highly valued, particularly in light of the lasting credit crisis which has made it difficult for many people with good credit records to receive any form of credit..  

Student credit cards issued by Discover and Capital One are specifically designed for good students.  Some of the features offered by these credit card issuers include:

•           No Annual Fee

•           0% Interest for a fixed period of time

•           Cashback Bonuses

•           Fraud Liability Guarantee

During this current climate of economic instability, illiquidity in the credit markets, in the stock market, uncertainty in the stock market and the softening real estate market, one thing remains constant – good students should be given the opportunity to build a credit history.  Responsibility, however, is imperative.  It is essential that students keep in mind that if they don’t have enough money to buy something now, they should consider waiting until they can.  Credit cards are most beneficial to students when then balance is paid in full every month.  They should be treated like cash in hand.  In these thorny economic times, where credit is proving to be more difficult to come by, it is important to establish a strong credit profile by obtaining credit early and maintaining a consistent payment history.  Student credit cards issued by Discover and Capital One are perfectly designed for student applicants.

http://www.articlesbase.com/college-and-university-articles/apply-online-student-credit-cards-660191.html

http://www.articlesbase.com/college-and-university-articles/apply-online-good-student-credit-cards-659096.html

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Students can compare and apply for credit cards online at www.goodstudentcreditcard.com.  Diligent credit card usage can result in a lifetime of low-interest rate loan opportunities.  Despite their minimal income and limited credit history, good students enrolled in colleges and universities throughout the country are regularly given the valuable opportunity to receive a credit card to start building a credit history.  This is an opportunity that should be taken seriously, particularly in light of the continuing credit crisis which has made it difficult for many working people with strong credit records to receive new credit cards, auto loans and mortgages.  

Student credit cards issued by Discover, Chase and Capital One are tailored for student applicants.  Some of the features offered by these credit card issuers include:

•           No Annual Fee

•           0% Interest for a fixed period of time

•           Cashback Bonuses

•           Fraud Liability Guarantee

During this period of economic recession, nervousness in the stock market, illiquidity in the credit markets and the softening real estate market, one thing remains constant – students should be given an opportunity to build a credit history.  Responsibility is imperative.  If you do not have enough saved to pay cash for something you want to buy , you should consider saving until you do.  Credit cards are most beneficial when you can afford to pay your balance in full every month.  In these uncertain economic times, where credit is getting more difficult to come by, it is important to create a strong credit profile by establishing credit early and maintaining a consistent payment history.  Student credit cards issued by Discover and Capital One are tailored for student applicants. 

Visit www.goodstudentcreditcard.com to apply online in a few short minutes.

http://www.articlesbase.com/college-and-university-articles/student-credit-cards-apply-online-664014.html

Financial Contributor Vera Gibbons spoke with Maggie Rodriguez about secret credit card company rate hikes.
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Visit www.goodstudentcreditcard.com where students can compare and apply for student credit cards online.  Conscientious credit card usage can result in decades of low-interest rate loan opportunities.  In spite of their minimal income and limited credit history, good students enrolled in colleges and universities from state to state are regularly given the valuable opportunity to receive a credit card to start building a strong credit history.  This is a valuable opportunity that should be taken seriously, particularly in light of the enduring credit crisis which has made it difficult for many working people with established credit records to receive new credit cards, auto loans and mortgages.  

Student credit cards issued by Discover and Capital One are specifically tailored for student applicants.  Some of the features offered by these credit card issuers include:

•           No Annual Fee

•           0% Interest for a fixed period of time

•           Cashback Bonuses

•           Fraud Liability Guarantee

During this period of economic recession, erratic swings in the stock market, illiquidity in the credit markets and the softening real estate market, one thing remains constant – students should be given an opportunity to build a strong credit history early.  Responsibility is essential.  It is important to remember that if you do not have enough saved to pay cash for something you want, you should consider saving until you do.  Credit cards are most beneficial when you can afford to pay your balance in full every month.  In these uncertain economic times, where credit is getting more difficult to come by, it is important to create a strong credit profile by establishing credit early and maintaining a consistent payment history.  Student credit cards issued by Discover and Capital One are tailored for student applicants. 

Visit www.goodstudentcreditcard.com to apply online in a few short minutes.

http://www.articlesbase.com/college-and-university-articles/apply-online-good-student-credit-cards-659096.html

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