Different credit card companies have different standards

Obtaining your credit report by ordering it also allows you the opportunity to spot any errors and fix them prior to filling out an application for a new home loan or even something as simple as a new credit card application.One main similarity is that you are able to make purchases at all the department stores and gas stations all over the place. Also a free prepaid debit card is offered as a corporate salary account by big corporate companies to their employees. The current promotion will run though May 31st, 2005 and is limited to participating home decorating and remodeling stores. First, you should make sure of your rights as a consumer under the Credit Repair Organizations Act by reading the booklet Consumer Credit File Rights under State and Federal Law. As always, you need to do a little math. Consumers want to pay back their debts, but when their interest rate is so high, their efforts seem fruitless. A rejected card application hurts your chances for a future application.It may be possible to obtain a lesser rate. Is it just for four months before it jumps up to a high variable rate, or will you get 18 months at that low, fixed rate? Beware of the credit card companies that will play many tricks with the loopholes in your agreement. Under the law, after receiving a completed credit application, a creditor has up to 30 days to tell you if your application is rejected or accepted. Think that they have an instant credit card upon application.Statistics show that students are entering college without ever having a personal finance class or knowing how to balance a checkbook. With a little thought and planning, you can make credit cards work for you. So what do you do if your plastic is nearing its expiration date?