instant credit card
approval ONLINE up to $50,000*
PROFESSIONAL ADVICE! If you
really want to open 3-5
credit cards today, you have to make the next step: Take
1 credit card from each of the 10 banks
on our list below and fill out their application. We have around
10 banks on our list, so to fill out 10 applications will take
you just about 50 minutes and after that, just check your home
mail box for your credit cards! Remember, to establish a good credit rating you should always pay
at least the minimum amount due every month by the due date!
Good Luck!
FREE Credit Report
Experian Consumer Info Free Credit
Report -
l
Select
the card that interests you and click
to see a different offers.
Bank's
Name:
Credit
Card's Name:
new credit cards
Advanta Bank Cards
1. Advanta
Platinum Business Card -
2.
Advanta Platinum Business Card with Rewards Options -
new credit cards
Chase Manhattan Bank Cards
1. British
Airways Visa® Signature Card from Chase -
2.
Chase Flexible Rewards Student Card -
3. Chase
PerfectCard™ -
4. Chase
Travel Rewards Platinum MasterCard® -
5.
Continental Airlines World MasterCard® from Chase -
6.
Flexible Rewards Platinum Visa® -
7. Free
Cash Rewards Platinum Visa® Card -
8. HESS®
Visa® Platinum Card from Chase -
9.
Marathon® Platinum Mastercard from Chase -
10.
Platinum 0/12 BAP -
11. Sony
CardSM from Chase -
12.
Speedway SuperAmerica Platinum MasterCard® -
13.
Starbucks Card Duetto™ Visa® -
14.
Subaru® Platinum MasterCard® from Chase -
15. The
Borders and Waldenbooks Platinum Visa® Card from Chase -
16. The
Volkswagen Platinum Visa® card with Rewards -
17. Toys
"R" Us® Visa® Card -
18.
Travel Plus Platinum Visa® -
19. United
Mileage Plus® Visa® Card -
20. Universal
Entertainment MasterCard® from Chase -
Credit is a privilege and a convenience. Credit lets you pay for electronics
on an installment plan, take out a loan for a house, pay for clothing on a
credit card, or pay for schooling with financial aid. Credit allows you to
make a purchase without ready cash. You get credit by promising to pay in the
future for something you receive in the present. But, there are strings
attached; credit usually costs something (interest), and what is borrowed must
be paid back.
Credit gives a number of benefits you don't get when paying with cash or
checks:
Convenient, hassle-free shopping. When you use a credit card to make a
purchase, you don't have to carry a lot of cash, pay by check, or present
additional identification. A credit card also simplifies and speeds up catalog
ordering and currently is virtually the only way to make Internet purchases.
Emergency protection. Credit cards are the ultimate financial security
blanket. They can get you through nearly any emergency situation.
Easier budgeting. With a credit card, you can make purchases and pay them off
on a schedule that fits your budget. Credit cards also allow you to take
advantage of sales and special offers.
Security. If you lose cash, it can be used by anyone. If you lose a credit
card and report the loss to the card's issuer before it is used, the issuer
cannot hold you responsible for any unauthorized charges. If a thief uses your
card before you report it missing, the most you will owe is $50.
Travel expenses. You'll find that a credit card is almost essential for
renting a car, purchasing an airplane ticket, or booking a hotel room. Whether
you're across town or on another continent, a credit card is the universal
guarantee of your good financial standing. And if you need cash, you can get
it at ATMs or banks around the world that accept your credit card.
When you apply for credit, the lender reviews your credit report before
approving your application. Think of a credit report as a resume. It details
how well you have paid your bills and used financial tools such as credit
cards and checks.
Just like a report card or a resume, a credit report is used to document your
performance; in this case, your financial performance.
The report details how well you pay your bills, bank loans and credit card
purchases. It also can indicate if you have abused financial tools such as
checking accounts and debit cards. Even debts of small amounts, if not paid on
time, can hurt your credit standing.
The three major credit agencies which monitor this activity are Equifax,
Experian, and TransUnion. These agencies, also called "bureaus," collect and
report information about your financial habits and put the information into a
credit report.
Below is a list of information that can appear on a credit report:
Your name, Social Security number, birth date and current and previous
addresses.
Information about your employers, both current and previous.
Your payment history with major credit cards, department store charge accounts
and loan payments.
Your payment history with utility and telephone services.
A list of your accounts (if any) that have been referred to a collection
agency.
Inquiries made about your credit history that have been made over the past
several years, and whether or not you were granted credit.
Public record information: such as bankruptcies, foreclosures, and tax
problems.
Information on a credit report can remain for many years. (This is often
referred to as your "credit history.") Since this report is used by others to
make important decisions affecting you, it is important to review your credit
report for accuracy once a year.
* See our Credit Report section for more information.
Why is it important to establish a good credit
history?
Establishing a good credit history is an important part of your personal and
financial future. It can help open doors for you or keep them locked. A
variety of people and businesses make decisions affecting your future based on
your credit history. Banks and other lenders consider your credit report when
reviewing applications for mortgages, revolving lines of credit or other
loans. Landlords sometimes use credit reports to decide among rental
applicants. And a potential employer may even assess an applicant's credit
report prior to extending a job offer. Your credit report may also be reviewed
when you apply for auto insurance or homeowner's insurance, or even a mobile
phone. This is why it is so important to establish good credit.
In short, you can establish a good credit history by consistently paying your
bills on time. Remember, to establish a good credit rating you should always
pay at least the minimum amount due every month by the due date.
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