lowes credit card http://creditcardzoo.com Helpful hints to apply for a credit card A credit card may make life a much risk-free place as you need not have cash wheresoever you go. All you have got to do is to employ the credit card to swipe and create payments or to withdraw cash from an ATM. This is why almost everyone has a credit card, which often you can pick up if you follow these tips to apply for a credit card. The earliest thing you have to do before applying for a credit card is to obtain your credit track record evaluated. You can easily get your cost-free credit statement from an on line credit bureau, if you have been denied credit for about two months before the day of applying for the credit card. Otherwise, you will probably have to pay about $9 for the credit statement. Good credit reports get you credit card speedier If you already have a good credit statement, you will not find it challenging to get a credit card. Even so if you have a bad credit rating, it does not indicate that you will not get a credit card, you are going to have to pay a higher rate of interest for the credit card. So if you are definitely not in a hurry to get your credit card, you can try to strengthen your credit rating by making regular payments to your dues and by preventing missing any payments. Oftentimes, the credit report you attain from the credit agency may have some mistakes in them. In such cases, if you have a doubt, it is better to have it re-checked and corrected so that you have a improved credit history status and then apply for a credit card. Fill out the form with the right details With the suitable credit history, you will have to choose a credit card issuer. It is not necessary that you have an account in a bank to apply for a credit card. Basically, by having an account, you have to pay more for the credit card; but by having a bank account, you will be offered a low limit card with much better and easier payment schemes. Once you have chosen a card issuer, you just have to either stop by the office of the issuer, or its website where you will be supplied a form to fill out. When filling the form, make sure that you are honest, and provide exact and right info. With the improper information, you only bring problems to yourself, specifically on your paying capabilities and your individual information. False information might lead to the rejection of your credit card In addition, if the bank or credit card issuer finds out that you have given them false information, they will and have the right to refute the application. When filling out the form, make sure that you read all its credit stipulations well. If there is any kind of term or part of the form that you dont fully grasp, make sure you question the bank or issuer for clarifications. After everything is cleared, you just have to sign on the dotted line and wait for approval from the credit card issuer. The choice of credit card you seek out and your credit status all has an effect on the approval of your credit card. Once accredited, your credit card will be routed to you for you to use when desired.
Today's video is about 3 things you should know before you apply for a store credit card. Best Reward Credit Cards: https://www.creditcardinsider.com/insider/best-rewards-credit-cards-2015/ Best Store Credit Cards: https://www.creditcardinsider.com/insider/best-store-credit-cards-2015/ Ask us your credit questions in the comments and find your next card at https://www.creditcardinsider.com/ Every week, we answer YOUR credit questions. Email us or comment with your questions and we may answer it on YouTube! To learn about credit scores, credit reports, managing debt, and how credit cards work, check out our learn section at https://www.creditcardinsider.com/learn/ If you're looking for a credit card, start your search at https://www.creditcardinsider.com/credit-cards/ Join our community! https://plus.google.com/+Creditcardinsider https://twitter.com/cardinsider https://www.facebook.com/CreditCardInsider https://www.creditcardinsider.com
https://www.angelquintana.com This video is about how to Build Your Business Credit in 6 Easy Steps in 10 days or less. *please note I am not an expert or coaching on the subject of Business Credit. I made this video to help my fellow business owner on how to prevent personal credit card debt as it pertains to business.
For an experienced SF Bay Area real estate agent visit http://iLiveInTheBayArea.com Like me on Facebook: http://fb.com/iLiveInTheBayArea Thumbs up, favorite, share, subscribe and make a comment! In my opinion, credit scores are one of the most obscure and methodical concepts to a client. I've actually had clients tell me something they swore would help their credit, when in fact it was the complete opposite. One of the many examples I have is when I had a client tell me that he never fully paid off his credit cards because paying interest helped him get a better credit score. I'm going to explain to you what determines your credit score, the best way to get and keep a high score, and some common myths about your FICO score. First let's go over what determines your credit score. There are 5 main factors. Coming in at 35% of your overall credit score is your payment history. Being late on any bills, or even worse having them go into collections, is the easiest way to drop your credit score. The second largest factor at 30% is the amounts you owe. If you have 5, 10 or even more credit cards and they're all maxed out, it shows you're a high credit risk b/ you can't seemingly pay your bills off. Length of your credit history comes in at 15%. Ideally 7 years or more is what is considered a long credit history. Finally at 10% each is New Credit requests and type of credit mix in use. New credit is in reference to how often you run your credit -- be it for a cell phone, car loan or any other type of credit. If you're consistently running your credit, it's probably doing you some harm. Type of credit mix in use basically comes to what type of accounts you have open. The ideal situation is some mystery mix of a home loan, car loan and 2 to 3 credit cards. That doesn't mean you should go get a car loan when it doesn't make sense financially. Remember, it's only a small factor, and so long as you have some credit in use you'll be just fine. When it comes to getting and keeping a high FICO score, there are a few guidelines you should follow. First and foremost, is to make absolutely sure that you pay all your bills on time. As a reminder, I set an alarm on my phone, which is synced to my email. Every first of the month, my phone and outlook both remind me that it's time to pay all my bills. Secondly, is the length of your credit, ideally you want 7 or more years of credit history. Finally, you want at least two but no more than four credit cards with high limits. Other than these three things, the best way to get a high score is to avoid any court judgments, past due bills, and collections. In regards to keeping your high credit score, note that credit cards usually become people's biggest downfall. Yes, you DO want high limits on your credit cards, but that doesn't mean that you're supposed to max them out. The fact that lenders trust you with a high credit limit is actually a good thing. The key is to never have more than 25-30% on one credit card. This makes it seem like you know how to handle your debt more efficiently. Now let's debunk some of the myths we all commonly hear. First, having to pay interest because you did not pay off your credit card in full, will ABSOLUTELY NOT help your credit score. Again, it is the debt to credit limit ratio that will be taken into consideration. Second, that Best Buy payment plan that you've never been late on will help your credit score. This is completely FALSE, the only payment plans that will ever show up on your credit as mentioned above are structured payments, such as a house or car, and revolving payments, such as credit cards which we already discussed. Other things that will not show on your credit report unless they send you to collections are your cell phone bills, electric bills, and even those store credit cards without a Visa, MasterCard, Discover, or American Express logo on it. Remember, without any of those logos, those credit cards, do absolutely nothing to help your credit. Number three, if you don't use a credit card that you've had for years on end, you should close the account. Again, this is FALSE. Remember, long credit history is good. You especially don't want to close this unused credit card if it has a high limit. In fact, you should probably use it once every few months on something very minor, such as socks just to make sure they don't close it due to inactivity. Remember, your FICO score is your reputation to the financial world, guard it with your life. Just because you have a lower credit score doesn't necessarily mean you won't ever be able to get a loan for anything. But having a better credit score, will almost guarantee that the same loan will be easier to finance, and will be much much cheaper, saving you thousands to tens of thousands of dollars every year... Now that's good to know. Contact Davide Pio Today | SF Bay Area Real Estate http://iLiveInTheBayArea.com | 510-815-2000
For more information on how to build credit, visit http://www.gobankingrates.com Whether you're a young adult applying for credit for the first time, or you just haven't used credit in a while, when you finally do want to get credit it can be a frustrating process. You need a credit history to build credit, but no one will approve you for new credit without a credit history -- a chicken and the egg scenario. Who knows how these rules came to be, but we'll show you how to work with them. DON'TS to Avoid When Building Your Credit DON'T apply for new credit cards, even credit cards offered to you at retail stores. If more than one creditor has decided that you aren't creditworthy, chances are the rest of the creditors will reject you too. And every time you send in a new application, your credit score goes down a little bit. DON'T bother getting a loan with a co-signer just for the sake of building your credit. Before the recession, this was a popular tactic that a lot of people used and that worked fairly well. But these days, creditors are a lot more interested in you proving that you are responsible with your money, not just your parents or your good friends. So getting a co-signed loan or being added as an authorized user on someone else's credit card are going to do little to nothing to build your credit up. Apply for a Secured Credit Card Secured cards are great because they prevent you from getting into trouble with debt since you provide the cash up front. Then, when you sue the card, you are essentially using up money that you've already deposited ahead of time. Plus, your card activity is usually reported to the three credit bureaus, helping you raise your credit score and build credit history on your credit report. Before you select a secured card, keep these tips in mind: 1. Make sure that the activity is in fact reported to the credit bureaus. Most, but not all secured cards, do this. 2. Make your payments on time! The easiest way to ruin your credit is to make late payments. 3. Don't max your card out. Try to keep your credit utilization at 30% for the best results and keep in mind that your total credit limit will probably be fairly small. 4. Choose a card with low fees. Some charge ridiculous fees that just aren't worth it. 5. Be patient and diligent. It's going to take 6 months to a year to build up your credit history, so be prepared to wait a while before applying for a traditional credit card or a loan. One secured card that does report to the credit bureaus, charges relatively low fees, and consistently get positive reviews from actual account holders is the Orchard Bank secured card. Unfortunately, it's really easy to destroy your credit with a handful of bad decisions. But building up your credit history from scratch can take a very long time. That's why you have to remain patient and diligent. If you stick with it, you'll be glad you did. MORE FROM GOBankingRates THIS EASY TRICK WILL IMPROVE YOUR CREDIT SCORE AND AVOID LATE PAYMENTS: http://bit.ly/2ryW66D
Lowe's Home Improvement and the QPR RoadShop provide an easy to understand, step-by-step tutorial on sealing your asphalt drivewayv-- from preparation to preservation-- using QPR Professional Grade Driveway Sealer. Each step in the process is a vital part of ensuring a last and beautiful driveway for your home.
It helps to know how credit card companies decide whether to approve potential customers. "They're going to take a look at how you've handled credit in the past. How you've made your monthly payments. How much debt have you gotten yourself into and how much new credit have you applied for," says Justine Orantes, a credit counselor at ClearPoint Credit Counseling Solutions. They're also taking a look at what your income may be. With that in mind, let's say you do get denied. What went wrong? There are a few things it could be. Maybe you simply made a mistake on the application. Maybe your credit report has an error. It could be that you're recently unemployed, or your income is too low. Of course, a bad credit history will also affect your approval. And even if your credit history looks good, if you're applying for a lot of credit all at once, a bank may suspect you're having financial problems. If you are denied credit, what should you do? Step one: Check your credit report for errors. You can get one free copy of your credit report per year from each of the three major credit bureaus by going to annualcreditreport.com. "It's recommended that you review your credit report on at least an annual basis to make sure that everything is correct on your credit report," says Orantes. If an error isn't to blame, you probably need to work on your credit. "Take a look at your credit report," says Orantes. "If there's a delinquency, what was that delinquency? How long ago was it? Has it been resolved? If it hasn't been resolved then go ahead and take a look at how to go about resolving it." Are you missing payment due dates now? "If you're having difficulties, it's always recommend you reach out to your lender or your creditor and have them explore options with you so that you are current," says Orantes. You may need to reevaluate your credit usage. A good rule of thumb is to keep your credit card balances below one-third of your total available credit. That's the sum of all your credit limits. If you were denied over an income issue, you might have to wait to apply for credit until you find employment, or your income increases. When you're ready to apply for a card again, do your homework. Give the issuer a call. Ask what their approval guidelines are for that particular card. Do they have a minimum income requirement? What credit score are they looking for? Finally, take care when filling out the application. "Always make sure you print clearly on the applications," says Orantes. "Have the banker or whoever gave you the application review it and make sure you filled in everything and you're not missing any information." With a little research, and maybe some credit repair, you'll do well to be approved the next time around. Kristin Wong, CreditCards.com.
Learn how to replace a bathroom vanity from Lowe's. Installing a new vanity is a bathroom update that makes a huge difference. View the full detailed plan, here: http://low.es/1gtZBub Use the Lowe's Vanity Buying Guide (http://low.es/1krBcNp) to choose your look. For more ideas to improve your home, check out Lowe's on other social media channels: Facebook - http://www.facebook.com/lowes Twitter - http://www.twitter.com/lowes Pinterest - http://www.pinterest.com/lowes Instagram - http://www.instagram.com/loweshomeimprovement
Pruning trees will help keep your yard or landscape healthier and have your trees looking the best they can. Tree trimming, or pruning, is more than just getting rid of dead limbs. It helps the tree grow new healthy branches. Depending on the size of your tree, you may need the following equipment: scissor cut sheers, loppers, pruning saw, pole saw, ladder and work gloves. There are two types of trees, deciduous and evergreen. Deciduous trees lose their leaves every year, while evergreens stay green and pined all year round. As you begin to prune your trees, keep safety in mind, especially when it comes to sawing down higher limbs and power lines. You may be asking why is pruning important? First and foremost, safety. Hanging limbs can fall and cause damage or injury. Next, is health. Damaged and diseased branches are just extra weight on the tree and should be removed. Also, look for two branches forming a V-Crotch. One of the branches needs to be removed to help keep the tree healthy. Also, water sprouts and suckers should be removed with a pair of scissor cut sheers. Besides getting rid of growth we don't want and limbs that are damaged, pruning also has its positives. It can help a tree sprout new limbs, making the tree fuller and healthier with a strong branching structure. Pruning will also help produce more fruit and flowers. For flowering trees that bloom in the early spring, prune in the summer after the flowers have bloomed. For trees that bloom in the late spring or do not have flowering blossoms, prune in the dormant seasons of fall or winter. To learn how to prune a tree watch "How To Prune A Tree" on https://www.Lowes.com/Videos Subscribe to Lowe's YouTube for great how to videos and home improvement tips: http://www.youtube.com/subscription_center?add_user=lowes Or head to our channel: http://www.youtube.com/Lowes