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The_Truths_And_Myths_Of_Getting_A_Credit_Card

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					Title:
The Truths And Myths Of Getting A Credit Card


Word Count:
408


Summary:
Do you want to separate the fact and the fiction of applying and receiving a credit card? Well, here are a few
of the top questions asked when it comes to trying to get a credit card.



Keywords:
getting a credit card



Article Body:
So, you want to know the truth about credit cards? Do you want to separate the fact and the fiction of
applying and receiving a credit card? Well, here are a few of the top questions asked when it comes to trying
to get a credit card.


Is it hard to get a credit card?


No; depending on a few different factors when trying to get a credit card. First thing is it depends on your
credit. The better credit you have, the more likely you will get approved for the credit card. On the opposite
side, if you do not have credit or your credit is not perfect, you still have a chance of getting approved, you
are just more limited in your options for a credit card.


Are Credit cards safe?


The answer is yes. Credit cards are much safer than they used to be. Credit card companies are beginning to
give you your money back if your card is used or stolen. This is beginning to be called “dispute resolution.”
Always make sure to get rid of all receipts and sign the back of your credit card immediately when receiving
it.


How to Apply for a Credit Card?


There are several ways to apply for a credit card. You can research credit cards you want and call and apply,
you can fill out those letters you get in the mail and send them in or you can do it even faster and know
within minutes by finding the card you want and applying right online.


Is it good to have a credit card?
This can be a yes or no; depending if you know how to use them. If you have bad or no credit, than it is
recommended that you start out small with a credit card. If you have really good credit; than there should
not be a problem for you to try and get a credit card. For both it is recommended that you buy something and
pay it off, or pay off the full balance when it is due, do not pay the minimum.


Overall, credit cards can hurt you or help you; it all depends on when and how you use them. If you use
credit cards responsibly than they can be very useful and actually help your credit. These four questions are
the most commonly asked and can help you on your endeavor of find that perfect credit card.




credit disputes letters

				
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