Credit card applications are now more convenient than ever. You can visit any credit card directory on the Internet and all the major credit cards information will be at your fingertips.
However, there are a few things to keep in mind when applying for a credit card online.
1. Know the minimum requirements
Each card issuer has different set of requirements for acceptance into their card program. You income level, age, occupation and current address are some of the criteria that must meet the minimum requirements of the card issuers. If you comply with these requirements, your chances of being accepted are very high.
2. Know your credit worthiness
You should also expect your credit rating to be review by the card issuers. This is necessary, as they need to establish if the applicant poses any risk. If you have been paying your mortgage loan, car loan or any other bills regularly and consistently, you should have no worry at bad credit rating.
If you ever have delayed payment on your mortgage, car loan or other bills, your credit rating will be less favorable. The card issuers will dig deeper into your credit history before they can approve your application.
If you have poor credit rating, you will probably have a higher chance of getting your application approve if you choose a card for people with bad credit. This type of card usually carry a higher interest rate so you should apply if you are confident that you can afford to pay the higher interest.
3. Read the Fine Print.
The terms and conditions of using the credit card are outlined in the application form itself and you should read through them or have someone read them out for you. Some of the key items you should take note include annual percentage rate, grace period, late payment charges, annual fees and transaction fees. Knowing all these key items will help you plan your expenditure and budgeting.
4. Keep your web browser up to date.
When filling out the application form on the web, it is imperative for you to make sure that the page is secured. A secured web page will have ‘https’ in the address bar. In addition, a secured web page should also have a small lock icon at the bottom of the browser. If any one of these two items is missing, you should abort the application and look for another credit card.
Keeping these 4 points in mind will make the process of applying for a new credit card easy, safe and hassle free for you.
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Help answer the question about credit card online
Can you order alcohol with a credit card online even if you are under 21?Hypothetically, a friend of mine would like to buy a bottle of wine online with his credit or debit card. If he does so, will the company he buys from know he is not 21 by his credit card information? Will he be able to buy the wine?
It's easy to ruin your financial future if your applying for that many credit cards at 18. Try getting 1-max, and read Dave Ramsey's "total money makeover", suzy orman's book, and tightwad gazette.
I had to give up reading your post and just cut to the chase. Pay off that first card that has all the extra fees — transfer it to another card if necessary. Then cancel that account via letter. Request written confirmation that the account is closed and 0 balance.
Next when you get that 4th card that has all the fees, don't activate it. Immediately send a letter saying you changed your mind and cancel the account. Again, asking for written confirmation that the account is closed and 0 balance.
This will leave you with two Capital One accounts, the old one that is maxed out and the new one with the balance transfer from your first card. It would be better to have accounts with two different banks but since you already have these, just stick with them. Don't apply for anymore credit cards.
Completely stop charging on these cards till you have them completely paid off. Take every penny you can squeeze out of your budget and put it on the highest interest rate, while making minimum on the other. When the highest rate card is paid off, move to the other one.
Once you get these accounts paid off, use both accounts but only charge what you can afford to pay in full every month. This will build a good credit history, save you interest, and keep you out of debt.
Also, be careful about the advice you find on some of these "credit" sites. There is a lot of really bad info out there. Collecting a big ole stack of credit cards in an attempt to improve your revolving debt ratio is really a very bad idea. That's how people end up over their head in debt.
Improve you revolving debt ratio by PAYING OFF the debt.
Okay, let's see if I can help.
I'm looking through your question, and I don't think you ever indicated how you were hoping to pay for these courses. It looks like part of the problem is that you don't have any idea what it's going to cost you yet, so let's start out trying to guesstimate that.
I'm assuming that you're a Florida resident – I can't imagine anyone crossing state lines to register at HCC. Florida residents pay $78.24 a credit hour to attend HCC.
I'm also going to assume that you're planning on registering as a full-time student – that's a minimum of 12 hours, and it's probably the equivalent of 4 classes. Hauling out the old calculator, 12 credits at $78.24 each works out to $938.88. Some classes have extra charges – laboratory fees, for example, but for the sake of argument, I think we can assume that you're going to be looking at a tuition and fees bill of a little less than $1000 for the Fall semester.
I'm not surprised that they'll want you to give them a bank account or a credit card to sign up for extended payments – I suspect that the TIPS program requires that you agree to allow them to auto-debit your checking account or auto-charge your credit card. You can understand, I'm sure, why they're not just willing to take every student's word for it that they'll "pay this later". Bank accounts or credit cards = sure thing.
Assuming that you don't have $1000 in cash lying around – and that you're otherwise ineligible to sign up for TIPS (because you don't have a bank account or a credit card), the next most obvious choice is to turn to financial aid. You mentioned that you completed the FAFSA form, and I think you must have been offered a Stafford loan.
The government-created and government-backed Stafford loan program is the cheapest and best available form of educational loan. The interest rate on the loan is low and fixed, you'll pay it back over a maximum 10-year period (which won't even begin until 6-9 months AFTER you graduate from school (or drop out), you won't need a credit check or a cosigner to qualify, and you'll be able to request a temporary postponement of payments if you encounter financial difficulties when you get out of school. You're not going to find a deal that good from any other lender.
Let's assume you borrowed $1000 each semester for 2 years at HCC: It would take you 8 years and 9 months to repay that $4000 at a monthly payment of $50 a month. That sounds like a long time, but $50 a month isn't too bad. You can always pay more, and pay it off faster.
If you were offered a Stafford loan, and you decide to take that route, you'll need to notify the financial aid office that you are accepting the loan, and they will direct you to a list of lenders who make Stafford loans.
When you choose a lender, your next step is to go online and electronically "sign" the legal agreement (called the Master Promissory Note) between you and the lender. The Note says that they promise to mail the money to your school – and it says that you promise to repay it according to specific terms. Make sure you read that – they're all the same, but you need to know exactly what it is that you're agreeing to.
The nice thing about starting out a community college is that their tuition fees are reasonable. You can get into the college thing without running up a huge amount of debt, even if you have to pretty much fund your education with Stafford loans. Students who choose more expensive educations face semester bills that far exceed the maximum borrowing limits on Stafford loans, so they're left wondering where they can find another $10 or $15,000 to borrow. Your $1000 a semester bills are well within Stafford limits, so you'll be fine.
As for mom not paying for it – If you spend any time reading the questions that are posted here everyday, you'll soon discover that an awful large number of students find themselves in the same boat. Hopefully, if you go ahead and take the loan, your mom will at least float you the $1000 for the couple or three weeks it might take for your loan money to come in. At that point, your school will refund you your payment, and you can return it to mom.
I hope that helped you, even a little bit. Best of luck to you!!!
You selfish *****
unfortunately I am egyptian too, so plz accept my apology for the very bad impression left by this man, it seems that the economic situation of egypt made some people mix between being smart & clever and being a crock. As a lawyer with over 25 years of experience I believe he can't heart you any more as any attempt to pursue a false claim against you is going to be very costly for him and from your story I do not think he is prepared to spend a dim. Ignore his stupid messages and I believe he will be satisfied with the time he spent with you on your expense. again I apologize for his attitude and you may consider the money you spent as few charges for the lesson you learned.
I am sorry. Hang in there. You are not the only ones who have to go through the system they have in place here. It is quicker to naturalize in Canada. Before, I often wondered why I came here when I intended to go to Canada but you know what, after all the years I had to struggle I am still very happy to be here and I will not, not now anyway, trade it for any country in the world.
There is a light at the end of the very long tunnel. Be patient. You will get through it like a lot of people did.
You are going to be OK, except the check stubs will not cut it.
You are self employed, you need to bring in your last 2 income tax returns to show your yearly income.