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Skip the Sign the says "Apply for Credit Card"
from:As more and more people are getting higher paid jobs (or jobs in general), more and more people are beginning to apply for credit cards. However, the best thing that most people can do is to skip right over the stores that have the "apply for credit card" signs in the windows!
The only thing that happens when a person goes into a store that has a "apply for credit card" sign or advertisement in their stores window is that person will end up being a target until they apply for that store credit card. In fact, many of the stores will even give you a discount on your purchases if you do "apply for credit card" in their store; which in most cases is either 10 or 15% off.
Even though you want to go to the stores that have the "apply for credit card" in the window, there are many positive things that will come about by not going into them stores; even if you don't see them right away! In fact, one of the best things that will happen by skipping the "apply for credit card" signs is that you will not go into debt by using a credit card that you do not need! Another positive thing is that your credit report will not have that store's name on it, tainting your credit report as a public viewer.
If you are thinking about applying for a store credit card, one of the most important things that you can do for yourself is to read up on the store and how its credit card works; such as the percentage rate you will be getting, how much the monthly cost is, how much the late fees are and how much the fee is if you are over the limit. An easy way to help yourself read up on any credit cards is by getting a credit card guide; which tells you everything you need to know or should know about credit cards. Another thing that you may want to do, is do a comparison of any and all credit cards that you are thinking about applying for. By doing the comparison you are determining which credit card is the best, which is the worst and which ones you would like to get most of all! One of the best things that you can do when doing a comparison of the credit cards is go to the websites of the credit cards; there you will be able to see all the information you want (and you will be able to print them out to see them side-by-side).
If you are absolutely sure that you want to apply for the credit card(s) after you looked at all the information you need to know about, then next step is very simple; all you have to do is fill out the application and cross your fingers! It's as easy as 1-2-3! All you have to do next is use the card with great responsibility!
Robins Federal Credit Union News
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