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This presentation will give you tips on applying a catalog credit card. For more information on how to apply a catalog credit card visit http://www.newhorizon.org/Info/catalog-credit-cards.htm For more updates Contact Us! - http://www.newhorizon.org/NHBS/contact.htm Email us at admin@newhorizon.org Toll Free Phone no. (888) 778-5677 You may connect with us! Facebook: https://www.facebook.com/NewHorizonBusinessServicesInc Twitter: https://twitter.com/NewHorizonOrg Youtube: https://www.youtube.com/user/CreditRepairCoach Pinterest: http://www.pinterest.com/newhorizonorg/ G http://www.pinterest.com/newhorizonorg/
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Take time to choose a credit card that matches your needs and budget. • Compare the interest rates, credit limits, fees and charges, payment terms and other conditions imposed on various programs. • Choose a catalog credit card that carries the most reasonable features.
2. Rebuild your Credit History • You should pick a card issuer that will report your credit and payment activities to the major credit bureaus – Experian, TransUnion and Equifax.
3. Observe the rate of interest • Be attentive to the rate of interest, and check whether it is fixed or variable. • Bear in mind that although a variable rate credit card usually comes with a low introductory APR, the rate can suddenly shoot up depending on the changes in the Primary Rate. • It will still be best to lock in an affordable rate on your catalog credit card.
4. Avoid Spending beyond your credit limit • Maximizing your credit limit can cost you great deal of cash in the form of overdraft charges and declined transaction fees. • It can bring further damage to your credit history.
5. Carefully Review Your credit card program • Understand the terms and conditions that will apply to your catalog credit card before signing your contract to avoid problems in the future.
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