If you have bad credit, you need to apply for the First Premier credit card which has been specifically designed for people facing the same situation as yourself. It is designed to allow just about anyone to qualify for it but on the downside it carries some stronger fees and penalties if you are late on your payments.
But, if your credit is messed up, this can be just how it goes as you try to rebuild your credit score.
It takes more than just making regular payments on your credit card, though. Most often, you need to dig into your credit scores and have negative remarks removed from it by talking with the credit boards. By doing this, you can open yourself up to a whole realm of new possibilities in terms of credit cards with higher limits and lower interest rates.
This card can help you on the road to recovery in that once approved, you can use it to establish a good track record of timely credit card payments, which is a huge help in these hard times as most banks have made their credit cards much more difficult to be approved for.
Why Almost Anyone Can Be Accepted for a Premier Credit Card
To start, the Premier credit card has a two hundred and fifty dollar limit. But when you are just starting out, the yearly fees are taken off of this limit. These fees are a program fee of ninety five dollars, the annual card fee of forty eight dollars and the servicing fee of eighty four dollars, and the account setup fee of twenty nine dollars. So, you end up paying all the fees up front. So, for your first month, you can’t really use the card until you have paid all the fees. (And that’s why pretty much everyone qualifies for this card – all fees are paid up front.)
So, if you don’t want to pay these kind of fees, you will have to start repairing your credit directly and removing negative reports from your card. But if you can’t do that, at least you can try to establish some form of consistent payment and get something like the reward zone mastercard.
Sams Club is the top dog in terms of their members only grocery stores. End of story. Known as the best, nation-wide, it’s owned and operated by Wal-Mart after having been started in nineteen eighty three it was named after the walmart owner Sam Walton. Everybody knows that if you want to save money, you should shop at Sams. Their prices just can’t be touched by regular grocery stores as their focus is to bring wholesale prices to the everyday person. Not only are their prices much cheaper, but they offer the Sams Club Credit Card, which gives you some of the best exclusive benefits in the credit card game in terms of general benefits an discounts.
The Sams credit card has two different options – the business option and the personal option. Both cards can give you up to a two percent credit (one percent for personal users, up to two percent for business users) reward for each dollar you use with their card – for use towards future purchases in the store (kind of like the barclays credit card. The nice thing about having a sams club credit card is that it serves as your membership card as well – so you don’t have to remember 2 different cards if you plan on making a trip to get your groceries at your local Sams Club.
Is Everyone Accepted for a Sams Club Credit Card?
Nearly everyone is accepted for a Sams club credit card, so the application process is pretty painless when compared to other credit cards (similar to the juniper credit card). But just because it’s easy to get doesn’t mean that you should use it recklessly. Just remember, that interest rates are usually based on your own credit worthiness, but store credit cards often carry higher interest rates just by their nature.
If you are looking for one of the most stable financial institutions in the world (and who isn’t these days?), you should consider Barclays. Not only is it a rock in the financial industry, it is also one of the largest companies in the world according to Forbes. With its headquarters in Canary Wharf, Barclays serves customers all across the globe. Majoring in financial services, Barclays can offer you everything from personal banking and investments to wealth managment and credit cards (one of the best in the UK) and other services – all of which come with their high degree of customer service. With the barclays credit card as well as the sister card the
juniper credit card
This is an important and somewhat overlooked part of applying for a credit card – you want to ensure the viability of the company offering the card. You don’t want to go through the process of signing up for, qualifying for and then receiving a card only to have the financial institution you got the card from go out of business. I know that this seems unlikely, but recent history has shown us that this can happen in the blink of an eye.
There are literally thousands of credit card options available throughout the world, so it is important to know what makes Barclay’s credit card so unique. To put it simply – it’s their benefits that most other financial institutions just can’t compete with. With their cards ranging from sixteen percent (Barclay’s Classic Card) to about nineteen percent (Platinum Card) all their cards give the cardholder access to their Freedom program, where the customer can earn points from every purchase they make using the card (similar to say the nordstrom credit card ). And these points can be used just like real money, where you can spend your points at participating companies. Of course, with a renowned institution like Barclays you get other things like benefits you get from a Barclaycard are identity protection service, travel service, purchase delivery protection and Barclays Unwind privileges.
Barclays Credit Card Application Process
To apply for a Barclays credit card, you may be lucky enough to receive direct correspondence from them to sign up for a card (this is usually the case if you already have an existing account with them), or you may need to go to your nearest bank.
Remember, when signing up for a credit card, the vast majority of the time the interest rate is dependent upon your credit score and history. So if you want to meet the criteria for a lower rate, make sure your credit is in good standing before you apply for a Barclays credit card. It could literally save you thousands of dollars in the process.