Are Online Credit Card Applications Really Safe?

Very often you can hear the statement that applying online for a credit card is safe and fast. At the same time, it is common knowledge that cases of online identity theft are frequent enough to make people be afraid of it. Is it really dangerous to order plastics via Internet? Let us see how [...]

Business credit card charge off - what are my options?

I have a business credit card that will charge off soon and I can’t do anything about it. What can I do to protect what little income I have from being taken by the creditor? Can they just confiscate everything I own when it’s a business card? I still need to have [...]

Three Secrets for Getting the Best Credit Card Rates

now how to get the best credit card rates ever? No, it’s not a pie-in-the-sky promise. It’s a fact. I’m going to tell you exactly how to get those credit card rates down. It’s not about having perfect credit (although that helps) and it’s not about mind control over credit card company representatives. It’s actually [...]

What credit card is best to pay off first? A card overbalance or closed?

I have a credit card that is over my credit limit but is still “open” or I have a card that is below the limit but has been closed by the creditor.
What is the best card to pay off first, asuming that the interest rates are the same. I’m leaning towards the open account that [...]

How does a credit card company verify someone’s income?

When applying for a credit card one can now be “instantly” approved (or declined). I understand how creditors can access and review one’s credit report in a matter of seconds, but how can a creditor “instantly” verify the income that you have reported?
For that matter, how do they verify or check your income at [...]