Instant Credit Card
If you receive an offer for a pre-approved credit card or if someone says they'll help you get a credit card, find out the details first. You need to know what interest rate you will be paying and for how long. Some credit cards offer low rates as a tease that are raised after a certain period of time or only apply to balances transferred from other cards. You also need to know about any annual fees, late charges or other fees, and whether there are grace periods for payment before interest is applied. If the terms of the offer aren't provided or aren't clear, look for a credit card from someone else. Shop Around before you settles on any specific card. To help you know what to do, I will give you some tips that will help you make the best choice. Use a credit card with a safe online shopping guarantee. Look for a card with specific guarantees, like 100% coverage for any losses due to fraud when shopping on the Internet. Many credit cards only cover a percentage or the first $50 toward fraud. You should only shop only at websites that offer encryption protection. A protected website will have one or more of these three features: the small lock/key symbol at the bottom of your browser window; an address that starts with https ("s") instead of just http; and a warning box that pops up at the point of purchase. You should look for and read a website's privacy and security policy. Stay away from a website that either doesn't have one or does not guarantee your personal information will not be sold. Research the company. Many websites, such as BizRate.com, let consumers evaluate hundreds of different merchants on criteria such as customer service, privacy policies, and content. Look at the ratings consumers give them and stay clear of websites that either aren't listed or receive poor marks. Print out a copy of your order and confirmation number for your records. Reputable sellers will usually send you an email confirming your order. However a hard copy is always good to have in case your order is lost, deleted or not delivered as promised.
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