6 Tips for Instant Credit Card Approval
You see it all the time: “Instant Approval!” or “Approval in just 30 Seconds!” But whenever you apply, it’s not quite as “instant” as advertised, is it? More often than not, you get an “application 
pending” message from the credit card company. There are even plenty of anecdotal stories about this happening to people with good credit. So, what can you do to make sure that every instant approval is just that, instead of a “pending” and a lengthy call to a reconsideration line?First, we need to understand the “instant approval” process … wh
Jun 15, First Time Credit Cards Guide
Welcome to our ‘first time credit cards’ guide! Do you know how to choose the best one for you or one that will best suit your needs?
Do you understand the terms and agreements of your contract? How about what could happen if you don’t pay on time or rack up debts that you can’t pay?
Making sure you know the answers to these questions and others can make the experience of owning a credit card a positive one. All too often we hear the nightmare stories of overspending, living beyond one’s means, and ultimately bankruptcy, but being a responsible credit card owner doesn’t take a whole lot of effort – just a little understanding of how credit works.
The most important thing when it comes to first time credit cards is to know exactly what you are getting into. Make sure you start out by reading the terms of your service agreement.
Brits ‘help their friends with money’
Despite struggling with their own financial difficulties, such as attempting bad credit repair, Brits will still do their utmost to help their friends by loaning them £50.A survey conducted by MoneySupermarket.com found 60 per cent of UK adults would happily lend this much to someone they knew in order to help ease their money concerns at Christmas.Furthermore, five per cent would still do this even if their own budget would be strained as a result.Head of banking for the price comparison site Kevin Mountford said: “Its great to see that the spirit of giving at Christmas time is not lost.”He added this is particularly praiseworthy as “consumers have been through a tough year and many people have been forced to make every penny count”.Women are likely to benefit from this festive generosity, as recent research from More Than indicated both male and female Brits plan on spending more on their mothers and sisters than their male counterparts.
How to Still Get High Yields and not Sacrifice Safety
No matter what type of investor you are, this has been a year which you probably would like to forget. Stock investors have been flung around like a rag doll on a runaway roller coaster, and bond investors are finding it 
increasingly difficult to capture higher yields. And, if you have your money in savings instruments, such as CDs or money market accounts, forget about it, your .25% to .75% returns have gone negative due to creeping inflation (now at 3.5%). At this time of uncertainty and market volatility, most investors are fleeing to safety, but many are concerned with the low yields available on standard savings and government bonds.
Tips For Safer Online Shopping
Consumers have been amazed to learn that cyber crime now affects more people per hour than the number of babies born!
With 50,000 people being affected by cyber crime somehow every hour, the figure is around 3 times the 15,300 babies which are born every hour.
This is a very scary statistic and it is one to keep in mind over the holiday period when cyber crime rates are at their highest. As more and more consumers make use of computers, iPads and mobile phones to purchase gifts for friends and family, thieves are on the alert for ways to hack into systems and snatch email addresses, passwords, credit card numbers and Paypal information.
A recent survey by Verizon found that around 80% of American retailers are not yet compliant with Payment Card Industry regulations with regard to security.