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Finding Reputable Credit Card Companies
You're interested in getting the best credit cards for your
family's needs, but you don't want to be cheated. Or you're
interested in small business credit cards, but you've heard that
some of them aren't terribly secure. What do you do?
First, don't look for the best credit cards in your email box;
and don't pick out your small business credit cards from your
daily junk mail. While these are often good bargains and
perfectly honest companies, junk mail and email are also the way
fraudulent credit card companies find their victims, or
less-than-great credit card companies find customers. The best
credit cards are the ones you seek out yourself. Whether you're
looking for small business credit cards or good credit cards for
your personal use, be an active rather than a passive buyer.
Go to your bank and ask them if they carry credit cards, or if
they can recommend a good company. Chances are, the answers will
be yes, and yes. For unsecured cards, your bank may have less
than great rates; but for cards secured by home equity or an
equivalent security, your bank will probably have rates
competitive with the best advertised prices out on the Web or
television - and you have the added comfort of knowing you can
trust them.
Go to the MasterCard or Visa websites and ask them for
reputable card providers; they may be willing to provide you with
a list. Or only apply for cards affiliated with a bank you have
heard of, like Wachovia or Bank of America. If you are applying
for a card with junk mail applications, look carefully at the
application. Does it appear less than professional? Are there
misspellings or odd errors? This may be a fraud.
Whoever you go to, keep a record of your application, and
follow up on it a month or so later if you haven't heard
anything. The information you get that way may save your credit
rating.
Jeff Altmire is the author of this article. This article may
be reproduced on websites subject to credit being given to the
author, and a link to this website. If you would like more
information go to http://www.best-credit-card-cards.com
MORE RESOURCES:
Credit - Google News
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