Credit Card Application

Question by lovemybabes: Can you apply for a credit card you had before you filed bankruptcy?
Like say I had a credit card with a company but it was included in the bankruptcy, will I be able to apply to that company again after bankruptcy? What are the best credit cards to apply for after bankruptcy?

Best answer:

Answer by spike the lizard
i’m sure you can apply but whether you’ll be approved or not is a different story

Know better? Leave your own answer in the comments!

InstantPeopleFinder.com Highlights a Growing Problem: College Identity Theft

Instant People Finder

Delaware City, DE (PRWEB) October 28, 2011

InstantPeopleFinder.com, a leading provider of online public records and people search, hopes to raise awareness of a new and rapidly growing form of identity theft that targets college students. Today, in addition to worrying about managing their studies and extracurricular activities, students have a new concern – protecting their identity. InstantPeopleFinder.com, hence becomes perfect to enhance personal security and safety via people find, background checks, and more.

According to a recent report from Los Angeles Times’ column Scam Watch, it’s not always strangers who commit identity theft, sometimes it’s a new roommate. Identity theft doesn’t just adversely affect a victim’s finances; it has the propensity to be devastating to an individual’s reputation and good name. It occurs when an individual’s personally identifying information, like a social security number, birth certificate, or driver’s license number, is used by someone else to establish credit card accounts, apply for employment, set up utility accounts, or other fraudulent activity. The unpermitted use of the victim’s existing accounts to purchase services or goods is also considered to be identity theft. Once the accounts have been set up, the debt or undesirable activity is pinned on the unsuspecting victim.

The consequences of identity theft can be devastating. In addition to debt, some victims may be turned down for a job, loans, and have their credit rating damaged to the point where it can take years to repair and restore. Sometimes the damage can be irreparable.

Its growing prevalence in colleges and universities can be attributed to students’ overall lack of awareness, phlegmatic attitude towards protecting personal documents and information, and sharing close living spaces with peers. The ease in which an individual’s identity can be stolen or compromised depends largely upon how vigilant they are about protecting their personal information.

InstantPeopleFinder.com offers the following tips to help college students protect themselves from identity theft:

    Buy a shredder and shred documents like unwanted credit card offers, bank or credit card statements, or any other sensitive information. Simply throwing it away gives identity thieves a chance to do something with personal information.
    Often colleges and universities require the use of social security numbers to login to their websites, register for classes, and use other administrative services. Students should commit the number to memory or keep it in a secure place to avoid it being stolen.
    Make sure accounts, computers, and phones are password protected if they contain sensitive information so they cannot be accessed by anyone who is not the owner.
    If using a public or shared computer, always log out of secure sites including online banking, email, and social networking sites. Verify that the web browser does not save login information.
    Be diligent when reviewing bank and credit card charges on statements. If a discrepancy appears, report it immediately to the financial institution that is associated with the account.
    Often, new students are put assigned living quarters with complete strangers. Use
InstantPeopleFinder.com to find out more about the new people that could potentially access sensitive information. InstantPeopleFinder.com looks for information through white pages, government and public records, and social networking sites. Reports can have different kind of data ranging from images, ages, and address history, phone number. Users can also run a background check that will search criminal records, civil judgments, and more. InstantPeopleFinder.com can alert students to potential problems before they affect them adversely.

About InstantPeopleFinder.com

Instant People Finder is a premier real-time online people lookup and people address finder tool. The powerful search engine uses names, background checks, yellow pages, public records and social networking to instantaneously provide relevant and most up-to-date information about anyone. Whether looking for a home or business address, phone number, or email this free people search tool provides comprehensive information, at the click of a mouse. Read InstantPeopleFinder Blog for more information.

Follow us @ Twitter & Facebook

###

©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

SmartBalanceTransfers.com Monthly Report on Balance Transfer Credit Card Offers

While not plentiful, solid balance transfer options exist.

Norwalk, CT (PRWEB) October 26, 2011

According to the SmartBalanceTransfers.com October 2011 report on balance transfer credit cards, consumers in the market for 0% credit cards will find a handful of outlying offers with exceptionally long 0% introductory periods lasting up to 21 months as well as a large pack of mediocre offerings, many of which provide paltry 6 month introductory periods.

“Consumers seeking 0% APR balance transfer credit cards will find historically long – and generous – offers from both Citibank and Discover,” said Jeffrey Weber, Editor and Chief Card Analyst at SmartBalanceTransfers.com. “Citibank in particular offers tremendous value to consumers who can benefit from 0% interest rates on balance transfers and purchases as they are presently marketing three cards that offer 0% APRs on both segments for 21 months.”

Apart from Citibank, the only major credit card company offering noteworthy 0% balance transfer offers was Discover, which has two cards that offer 0% rates for 15 to 18 months on balance transfers.

“Throughout 2011, Discover and Citibank have consistently provided consumers with the greatest options in the value segment of the credit card market,” Mr. Weber said. “Other credit card companies are either focused on the rewards segment or essentially doing very little to entice new customers.”

In the October balance transfer report, Mr. Weber cites the Chase Freedom $ 200 credit card as an example of the type of perks banks are using in lieu of low rate offerings to attract new customers.

Overall, the report found that the average length of balance transfer offers decreased slightly from 12.17 months in September to 12.16 months in October, though this was primarily due to the addition of the new Capital One Cash card to the index. Average balance transfer fees also fell modestly from 3.28% to 3.26% due to this addition. As has been the case since March, no major credit card company offered a no fee balance transfer credit card.

According to Mr. Weber, “Consumers who have the ability to transfer existing credit card debt to a Citibank or Discover credit card are in a good position to capitalize from 0% balance transfers. Unfortunately, those who have existing balances on credit cards issued by these companies will find that the availability of good value credit cards is severely limited. For example, Wells Fargo and U.S. Bank have no cards with 0% rates lasting more than 6 months. These are the type of offers that were available during the depths of the credit crisis and offer minimal, if any savings opportunity.”

For additional information and to learn more about SmartBalanceTransfers.com’s ranking of the best balance transfer credit cards of 2011, please visit http://www.SmartBalanceTransfers.com.

About Smart Balance Transfers

Founded in 2007, SmartBalanceTransfers.com provides consumers with in-depth analysis of credit card offers and a platform to research and compare cards before applying online. While the website’s primary focus is the balance transfer market, Mr. Weber draws upon over seven years of industry experience to provide analysis of all segments of the credit card marketplace.

###

©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

Related Apply Credit Card Press Releases

Question by divagirls29: Is it better to apply for credit card through pre-approved or if you apply on your own?
If we apply through pre-approved credit card offer,would it affect our credit score lesser than if we apply for credit card on our own?

Best answer:

Answer by G C
Pre approved, unsolicited cards usually have outrageous interest rates. Go to your bank and see what they can do for you.

GC

What do you think? Answer below!

New Sainsbury’s Life Insurance Customers Rewarded with Double Nectar Points for Two Years.

(PRWEB) October 24, 2011

New Sainsbury’s Life Insurance customers will benefit from double Nectar points on all Sainsbury’s shopping in-store, online and in petrol filling stations for two years. When using their Nectar card in-store at the till customers could benefit from the equivalent of up to 2% off their Sainsbury’s purchases(1).

New customers, with a Nectar card, purchasing Sainsbury’s Life Insurance(2) will benefit from the new rewards offer. For example, those spending £49 a week in-store at Sainsbury’s could, over a year, earn Nectar points equivalent to the value of a week’s loosing shopping(3).

Helen Williams, Head of Sainsbury’s Life Insurance said: “We are continually looking to reward our customers so we are delighted to extend our Double Nectar point offer to our Life Insurance customers. The peace of mind that comes with knowing that you’ve protected your family financially is invaluable so we’d encourage anyone who either doesn’t already have life insurance, or whose circumstances may have changed, to consider their own life cover.”

Customers can contact Sainsbury’s Life Insurance for a quote or further information on 0800 027 7166 (calls may be supervised and recorded). Further information is also available at http://www.sainsburysfinance.co.uk or in store at Sainsbury’s. Sainsbury’s Life Insurance does not offer financial advice.

Notes to editors:
(1)    Terms and conditions apply, glimpse http://www.sainsburysfinance.co.uk for full details. Points are not available on a limited run of Sainsbury’s goods and services – see in-store or sainsburys.co.uk/nectar for details.

(2)    Offer only available to customers who take out a new Sainsbury’s Life Insurance policy, excluding Sainsbury’s Over 50s Fixed Life Insurance Plan. You must continue to pay policy premiums for 2 years to continue earning double points. If the policy is cancelled, double points will cease from the cancellation date. Only the first Life Insurance policy registered against each Nectar account will qualify for double points. You may qualify for additional points by taking out other qualifying products. For full terms and conditions please see http://www.sainsburysfinance.co.uk for full details.

(3)    Week’s free shopping earned by combining base points earned in-binning/online and accosting bonus points for 2 years when you accumulate double Nectar points with selected finance products. For example, £49 per weekly passed over a year earned 10,912 Nectar points = £50 approx to redeem in-store. Bonus Nectar points subject to a monthly maximum of 2,500 points per qualifying product type per month.

Sainsbury’s Finance:
To view our latest press releases and product information, please visit the Sainsbury’s Finance online media centre at http://www.sainsburysfinance.co.uk/media.

Sainsbury’s was the first major British supermarket to open a bank, commencing trading in February 1997. Benefiting from a fantastic, trusted brand that enables us to combine the shopping experience with personal finance, Sainsbury’s Finance provides a range of quality products including insurances, credit cards, savings and loans. Our proposition is to make shopping more rewarding by offering customers great products at fair prices, while consistently rewarding shoppers for their loyalty and being easy to do business with at all times. Our products consistently top Best Buy tables and regularly win awards for quality, price and service.

Sainsbury’s Finance recent awards include Best Overall Online Provider, Best Online Pet Insurance Provider, Best Online Personal Loan Provider and Best Direct Home Insurance Provider at the Your Money Awards 2011.

Sainsbury’s Finance is a joint venture between J.Sainsbury plc and Lloyds Banking Group.

For further information and general Sainsbury’s Finance enquiries customers can call the freephone number on 0500 40 50 60 or visit http://www.sainsburysfinance.co.uk

###

©Copyright 1997-

, Vocus PRW Holdings, LLC. Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.