A lot of people think that money is the most important asset when it comes to buying things either online or offline. But popular to contrary belief, credit cards are one of the most important conveniences to have. I just ran into this problem the other day when I was buying a laptop online. I had the money in my Pay Pal account but the company wouldn't take the card I had even though it's a MasterCard, it's still a third party card. All I kept thinking was "I wish I had a credit card right now!" It would have made my life so much easier at that point! Eventually I got it figured out but looking back now it makes me wish I had one.
Credit cards are the easiest things to apply for online. And, it doesn't matter if you have bad credit, no credit, low credit or great credit. There is a card made for everyone. The main thing you have to do, when finding the perfect card for yourself is to look around. Try going to some of these so-called "credit card compare sites." These sites usually allow you to look up different credit cards such as credit card brands, credit cards by type and credit cards by bank. This will allow you to find exactly what your looking for as well as compare other credit cards. Maybe card A has a really good APR but maybe card B has no payments for 12 months and you can receive cash back. These are the type of things you are going to want to look for when researching different cards.
For the credit card application they are going to ask you a few personal questions such as how much you make per month, how much you make per year, Social Security number, and even your mothers maiden name. Don't be afraid to enter in this information, this information is only asked for two reasons. The first reason is to make sure that the person filling out the card is really you, for security reasons. The second reason is because they need to know your credit card history, or your debt history for that matter.
Applying online is also really nice because they will let you know within a few minutes if you have been accepted or rejected. If you are rejected, they will send you a little email explaining why they rejected you. For the most part it's something that you can easily fix. In other situations if you applied for a regular card and have bad or low credit, then they will probably tell you this isn't the right card for you. And, that's okay. Just go and find a good "low credit" or "bad credit" card such as:
Continental Finance, MasterCard
Continental Finance Gold, MasterCard
Horizon. Gold Credit Card
Ultra VX Visa
New Millennium Bank Secured Gold Visa or MasterCard
These cards are some of the top cards to try or look into if you have bad or low credit. Depending on what you are searching for I can bet you will find the best card for you, as well as your budget and any "extras" your looking for such as cash back, 0% APR, or travel/air rewards. If you would like more information on credit card applications or credit cards in general you can visit the following sites:
Visa Credit Cards
Bad Credit Offers
Credit Card Guide
I wish you luck in finding the perfect card for your lifestyle and I only hope that you don't run into the same conundrum that I did yesterday! Do yourself a favor, make sure you have at least one credit card on hand to use for emergencies or for really important purchases. They really can save you a lot of aggravation and time as well.