Welcome to Credit Guide
Credit Consumer Article
. For a permanent link to this article, or to bookmark it for further reading, click here.
Information on a Credit Card Application
from:As more and more people are filling out credit card applications, they are noticing that there are very personal things that must be answered in order to get approved. In fact, some of the information that you must put in should not be put in an application unless you are speaking directly to an associate of the credit card company!
When it comes to the credit card application, one of the most important sections that you must fill in is your personal information; such as your name, address, contact phone numbers, date of birth and of course your social security number. As for the social security number, you should not have to put that in until you are speaking to a customer service person directly; as your information may be stolen when the application goes through the mail system. Another very important section of the credit card application that must be filled out is your line of work as well as your yearly salary. One positive thing about putting in your yearly salary is that you don't have to add any extra income your making; such as alimony or child support. Another section of the credit card application that you may want to fill out is whether or not you want to have another card made up under the same account for any secondary users.
If you are not comfortable with any of your information that you put in your credit card application, you can always call the credit card company and fill it out over the phone; that way you can be sure to get your information correct and also without any problems. Another way you can get your credit card application filed it over the internet. One positive thing about going on the credit card websites is that you are able to see the different types of credit cards available, and you will be able to choose which one you want as well as which style/picture you want on the credit card (if applicable).
When it comes to the information on the credit card application, it is used very discretely; and only on a "need to know" basis. In fact, the only time they look at your private information is when they are approved/denying the credit card application!
When filling out the credit card application, the only thing that you should be asking yourself is whether or not you really need the credit card. In most cases, people are only filling out the credit card applications only to see if they can get approved; which is not a good enough reason! If you fill out a credit card application, you should really need the credit card and realize what type of responsibility a credit card is!
Credit Consumer Specific links
Credit Consumer News
Consumer credit jumps by $19.3 billion in December - Los Angeles Times
 Bloomberg | Consumer credit jumps by $19.3 billion in December Los Angeles Times By Don Lee For better and for worse, consumers are starting to take on more debt — much more, surprisingly. The Federal Reserve reported Tuesday that consumer credit outstanding surged in December at a 9.3% annual rate, thanks mostly to strong car ... US Consumer Credit Climbed by $19.3B in Dec. Consumer Credit in US Climbed by $19.3 Billion in December Consumer credit surges in December |
FTC Warns Makers of Background Checking Apps - PCWorld
 Better Business Bureau | FTC Warns Makers of Background Checking Apps PCWorld By Grant Gross, IDG News The US Federal Trade Commission has sent warning letters to the makers of six mobile apps used for background checks, saying the apps may violate a consumer credit protection law. The FTC has sent the warning letters to Everify ... FTC issues warning to marketers about certain mobile apps FTC warns background screening mobile apps may be unlawful |
Credit card lenders express concern over CFPB - Debtmerica Relief
Credit card lenders express concern over CFPB Debtmerica Relief The federal agency tasked with helping to protect consumers from misleading or confusing lending practices is now looking into a service credit card issuers provide ostensibly to help avoid fraudulent credit card debt. The new federal Consumer ... |
Missouri Credit Union Association Adopts Viewpointe's Pointe2Pointe with ... - MarketWatch (press release)
Missouri Credit Union Association Adopts Viewpointe's Pointe2Pointe with ... MarketWatch (press release) As a division of the trade association for credit unions in the state of Missouri, iVia Exchange Services provides a wide range of check processing services, including Image Exchange, Remote Deposit Exchange, Consumer Exchange and, iMerchant Exchange. |
IFR-Preview-US Dec consumer credit seen slowing - Reuters
IFR-Preview-US Dec consumer credit seen slowing Reuters WHAT: Federal Reserve Consumer Installment Credit, December WHEN: Tuesday 1500 EST (2000 GMT) FORECASTS (billion) Reuters IFR Previous Consumer credit $7.70 $8.00 $20.37 IFR COMMENTARY: "Held down by a more traditional revolving credit reading, ... |