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If your credit history is poor, simply relying on cash, prepaid cards, or debit cards to make your purchases will not help your credit score, as activity is not reported to major credit reporting agencies.
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Credit card mail offers to allow you to respond to their Mail Offer online and get yourself pre-approved for the Indigo® Platinum Mastercard® . Simply enter the Invitation Number and Zip Code (provided in your letter) to get started. When Should You Consider a Secured Credit Card? If you plan to apply for a student loan, buy a home, or lease a car, it helps to have a good credit history. However, if your credit history is poor or limited, all may not be lost. A secured credit card is one option that can help you establish or restore your credit score.
Benefits of a credit card 1. Building your credit history The credit history is a report that contains the record of all the credits requested by a person, it includes information such as delinquency, indebtedness and the summary of the credits obtained as a debtor or co-debtor. Having a good profile will be very helpful to apply for other opportunities in the future, such as loans to purchase a home or vehicle. 2. Cash handling reduction The credit card is a safe and fast payment method because the use of cash is reduced. Which is beneficial in terms of security, since you will not have to carry large amounts of money. In terms of health, you will avoid handling money and third parties touching the plastic with contactless cards, such as Bi-Credit. 3. Online payments and purchases Credit card payments can be made through online banking. This saves you time and is a safe way to make your payments from the comfort of your home and/or work, if you have an electronic device with internet access. You can also make purchases online without leaving home.
