Credit Card Application

College Credit Builder asked:


The Pittsburgh Pirates® team logo can now be featured on the Major League Baseball™ Extra Bases™ Credit Card issued by Bank of America.    (www.piratescreditcard.com ).   This rewards credit card is scoring big with avid baseball fans and credit card consumers across the country.  Like many department stores, colleges and airlines have done for decades, Major League Baseball™ teams are now being displayed on consumer credit cards.  These sports oriented rewards credit cards — a great way for fans to express their undying team loyalty –  are proving to be a home run in the credit card industry.

Features offered by the Major League Baseball™ Extra Bases™ Credit Card from Bank of America include:

•           No annual fee.

•           0% introductory Annual Percentage Rate (APR) on balance transfers and cash advance checks for your first 12 billing cycles.

•           Earn 1 point for every net retail dollar spent redeemable for MLB™ autographed memorabilia, once-in-a-lifetime MLB™ experiences, cash rewards and travel with no blackout dates.

•           Get an official MLB™ licensed jersey after your first qualifying transaction(s) using your MLB™ Extra Bases™ credit card.

During a period of economic instability, uncertainty in the stock market, illiquidity in the credit markets and the softening real estate market, one thing remains constant – sports fans are crazy about Major League Baseball.  Historically, baseball has given the public something to believe in and something to hope for, particularly during difficult economic times.   With the MLB™ Extra Bases™ credit card, Pirates fans can be reminded of their favorite team every time they take out their wallets.  Real fans carry the card with pride.  Visit www.piratescreditcard.com to complete the credit card application online in a few short minutes.

http://www.articlesbase.com/baseball-articles/pittsburgh-pirates-credit-card-major-league-baseball-extra-bases-mastercard-626547.html



NORRIS

Mario Churchill asked:


It is a very well-known practice that before actually doing business with any particular person, you must have considerable knowledge about his/her credit history. This is usually done to balance or minimize the risk involved with such transaction.

Your credit rating is very important because different banks that issue credit cards will mostly likely check your credit history. If you have a bad credit history, then your chances of getting a credit card is very slim.

Make sure that you apply for a credit card that doesn’t charge too may fees or have very high interest rates.

We live in a modern world where change occurs with just a blink of an eye. People are trading for nicer homes, fancier cars, and even credit cards. Most credit cards being offered by its provider promises higher credit limits. But you must watch out for these offers.

Higher credit limit entails a bigger amount of monthly dues. If you have trouble paying your current credit card dues, then most likely, you will have greater trouble with a card that offers a much higher credit limit.

Most of the time, people make unnecessary expenditures if they have a high credit limit, what they don’t actually see is that when ‘paying time’ comes, they may encounter some difficulty.

Your credit history also matters if you want to get a loan. So it does not only involve your credit card application, but also other more important things.

On the other hand, if you have a good rating when it comes to credit, people or banks often regard you less risky. They’d be more than glad to do business with you. You will soon realize that much of the offers charge very low interest rates, this is so because most banks or other business establishments want to attract those with clean ratings.

You can avoid the so-called ‘bad credit’ by making prompt monthly payments of your dues. Before making any purchases, or withdrawing money, make sure that you ‘badly’ need it. Oftentimes, people spend their money unwisely and most of them ended up having bad credit.

A wise decision is still the best solution to maintain a good credit standing; whether with a credit card, car loan, student loan, or a mortgage.

There are people who disregard their bad credit ratings. This is probably because they are not aware that there are actually organizations which keep a record of your credit transactions. Most states have these kinds of organizations to protect certain businesses against high risks of loss.

So if you were making an application for a credit card or a loan, the issuer would usually make routine checks with these organizations. But not all establishments have access to the credit information; a screening is usually conducted before the information is given out. There are also banks/establishments which ask for your permission for them to check your credit rating but there are also those who don’t.

If you don’t want to encounter any problem when making a credit card application, whether online or not, makes sure that from the very start you have a good rating. You know yourself very well, more than anybody else does.

Maintain a good credit reputation and get what you truly deserve. Know your obligations and your responsibilities.



JEFF

twistedriffster asked:


I want to apply for my first credit card to build a good credit history and I am currently a 3rd yr. college student. The card I want to apply for is the Visa College Platinum Card that has no cosigner or minimum income. Do you think the no minimum income claim is true or is it just something they say to get me to apply? Also, if my application were to be rejected, will it hurt my credit score? Thanks and happy holidays.

FREDDIE

Giant Wang asked:


I went into the branch about a month ago and the teller said I had the old type of checking account and they have a newer version with no extra fees or anything and asked if I would like to convert it over. I said sure, as long as there are no strings attached and he said there weren’t. Then out of nowhere, my wife gets a Bank of America Visa card sent to her with a $7500 limit that neither her nor I ever asked or applied for. We called B of A and they said it was requested the same day we were in the branch. In other words, we were scammed. The reason we are concerned is because we are about to apply for a mortgage. Overall, my wife and I have good credit scores (around 700) but we have some high credit card balances. Without this new card, our balances are about 65% of out total limits. With the new card, our balances will be about 40% ouf our limits. Is this going to hurt our mortgage application or not? Should we cancel the card?

ROSCOE

The keeper of Leopard asked:


I am applying for a university program and I am paying the application fee by credit card.

They have a form where I must write the card number and other credit card information.

they also ask for the credit cardholder’s signiture. but he’s not here and not accessible to me. What should I do?

The cardholder is a member of my family (a cousin) and he lives in the US. I live in Iran and can’t access him for a signiture.

can I sign on his behalf, or should I leave the signiture field empty?

what do I do?

JONATHON