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FREE CREDIT REPORT OFFER: Sound too good to be true? Well, we're convinced that once you've tried the CreditCheck Monitoring Service on a FREE trial basis, youíll want to continue with this vital service for staying on top of your credit. But if you donít, thatís okay too--thereís no obligation and no commitment. And your FREE credit report is yours to keep! 

Why Check Your Credit Report?

To stay on top of your credit, it is essential to be aware of the contents of your credit report. Why? Because checking your report is the most convenient way to review your complete credit history, and make well-informed decisions on all your past, present and future accounts. Also, it's a good idea to monitor your report for new derogatory information and unauthorized accounts that might affect your credit.

Studies have shown that many credit files contain inaccuracies, which could influence the approval process when you apply for loans, insurance, or even a job. Often the result of simple human error, they can be caused by anything from a clerical error to a computer glitch in which your file is mixed with that of someone with a similar name

For more information Click Here

 


UK Credit Cards 
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Your ONE-STOP Credit Card Center
With Hundreds of credit cards available nationwide, we've selected one of the best credit cards available. For a complete list of our credit cards available

Click Here for a complete list of our credit cards available!.


Poor Credit, No Credit, No Problem!

Get a Credit Limit up to $7,500!

Re-Establish Credit  
For people who want  to establish 
Or re-establish their credit
To Re-Establish Credit Click Here

If you live in the UK Click Here

Shopping Tips
Keep these tips in mind when looking for a credit or charge card.

  • Shop around for the plan that best fits your needs.
  • Make sure you understand a planís terms before you accept the card.
  • Pay bills promptly to keep finance and other charges to a minimum.
  • Hold on to receipts to reconcile charges when your bill arrives.
  • Protect your cards and account numbers to prevent unauthorized use. Draw a line through blank spaces on charge slips so the amount canít be changed. Tear up carbons.
  • Keep a record ó in a safe place separate from your cards ó of your account numbers, expiration dates and the phone numbers of each issuer to report a loss quickly.
  • Carry only the cards you think youíll use.

We know access to credit is important in today's economy. We believe that if you need a credit card you should be able to get one --even if you've always thought it was hopeless because of damaged credit. On the other hand, if you've been able to keep an excellent credit rating we believe that you should be rewarded. Please explore our various credit card programs. One of them will be a good fit for you. ..

We believe in your access to credit cards. A credit card makes life easier today. But casual or negligent use of a card can cost you money. For some people that can even lead to financial ruin.

Your ONE-STOP Credit Card Center
With Hundreds of credit cards available nationwide, we've selected one of the best credit cards available. For a complete list of our credit cards available

Click Here for a complete list of our credit cards available!.


Poor Credit, No Credit, No Problem!

Get a Credit Limit up to $7,500!

Re-Establish Credit  
For people who want  to establish 
Or re-establish their credit
To Re-Establish Credit Click Here

Establish or Re-Establish Credit today. These Credit Cards are designed to offer you an opportunity to establish a positive credit reference or to rebuild your credit credit.  Applicants must be 18 years of age or older and must be a U.S. resident. 

If you have no credit or would like to rebuild your blemished credit, this is the card for you! This credit card is also a good solution for students without a solid employment record. If you make all your payments on time and pay substantially more than the minimum due each month, you will be eligible to receive a credit line increase. This type of program is designed to allow individuals to increase their annual credit line by establishing credit worthiness with the issuing bank. If you have been turned down for a credit card in the past, you could qualify to receive a MasterCard ģ/Visa ģ.

Regardless of which credit cards you choose, the main thing is to  use them responsibly so you avoid problems down the road.  In addition, make timely payments in order to keep those low fixed interest rates.  There is nothing worse than raking up a credit card and then having the rate go through the roof !! 

  • If your application for credit, insurance, or employment is denied because of inaccurate or incomplete credit information, the company to which you applied must give you the name and address of the reporting credit bureau.

  • There is no charge to dispute mistakes or outdated information on your credit record. Ask the credit bureau for a dispute form and submit it with any supporting documentation.

  • Bankruptcy information can be reported for 10 years

No Credit At All? Past Credit Problems? Current Credit Problems including late pays, charge off, judgments, tax liens, bankruptcy? We can help you get a break by applying for Secured Visa or Secured MasterCard! These Secured Credit Cards are designed for people who have not established credit, or have had past credit problems or currently have credit problems.

Re-Establish Credit  
For people who want  to establish 
Or re-establish their credit
To Re-Establish Credit Click Here

 



What Is the Outstanding Balance?

  • Average daily balance method including new purchases. The balance is the sum of the outstanding balances for every day in the billing cycle (including new purchases and deducting payments and credits) divided by the number of days in the billing cycle.
  • Average daily balance method excluding new purchases. The balance is the sum of the outstanding balances for every day in the billing cycle (excluding new purchases and deducting payments and credits) divided by the number of days in the billing cycle.
  • Two-cycle average daily balance method including new purchases. The balance is the sum of the average daily balances for two consecutive billing cycles. One daily balance, that for the current billing cycle, is calculated by summing the outstanding balances for every day in the billing cycle (including new purchases and deducting payments and credits) and dividing that total by the number of days in the billing cycle. The other daily balance is that from the preceding billing cycle.
  • Two-cycle average daily balance method excluding new purchases. The balance is the sum of the average daily balances for two consecutive billing cycles. One daily balance, that for the current billing cycle, is calculated by summing the outstanding balances for every day in the billing cycle (excluding new purchases and deducting payments and credits) and dividing that total by the number of days in the billing cycle. The other daily balance is that from the preceding billing cycle.
  • Adjusted balance method. The balance is the outstanding balance at the beginning of the billing cycle minus payments and credits made during the billing cycle.
  • Previous balance method. The balance is the outstanding balance at the beginning of the billing cycle.

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