California Credit Card ApplicationTips When Making A Credit Card ApplicationIdeas to Think About |
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Your ability to borrow will depend on your credit record Š if you have established oneŠand on what lending agencies traditionally call the "Three Cs": Character. Do you really intend to repay the debt? Have you shown responsibility in handling your finances in the past? Capacity. Do you earn enough to repay the debt? How secure is your job? Do you own or rent your living accommodations? How long have you been there? Collateral. Do you have life insurance, savings, a car, equity in a home, household goods or any other assets that can guarantee repayment? In addition to the Three Cs, some lending agencies use a "credit point" scoring system to help them make up their minds. Points are assigned for such individual characteristics as occupation, stability of employment, residence and credit references. The best thing to do is to compare different credit card providers to find the best deal for you. As you compare you learn that not all companies are the same. And some of the differences in programs can be significant.
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California Credit Card Application Suggestions |
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