The Relationship-like Stages You Experience On A First Credit Card Affair

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“A relationship is like a credit card, if you don’t handle it responsibly, you lose its value and pay heavy in the future for the past” -Joseph Cubby Life would be easier if you can just have a credit card by your side… well think again. A credit card is more than just giving you extra cash in a card. A credit card is a "credit" by the end of the day, and Joseph Cubby was right when he compared a relationship to a credit card, because a common point for both is RESPONSIBILITY. Now, you’re guessing you are old enough to handle a credit card. You think you are financially responsible to manage your budget and you feel it’s high time you get a credit card because after all you’re adulting. But here’s a credit card advice, responsibility sounds easier said than done. If you’re ready to mingle yourself with credit cards, here's an easier understanding of how it's like to start and end a credit card affair for the first time. All we want to give you is a credit card material that you … [Read more...]

Pawnina Shares: The 7 Wonderful Perks You Can Enjoy With Good Credit History

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Hey guys, it’s Pawnina again! Sometimes when you want to be secure of the future, you have to look back in the past. That’s how banks foretell a borrower’s tomorrow, they check their credit history. Okay, a credit history is like your financial background check. Yes, the financial institution has extensive connections (that you don’t have, no offense) to see whether a person is worthy for an investment. So, they say that you don’t judge a book by it’s cover, but that doesn’t work for lenders, because a person’s loan responsibility is judged through his/her credit past. Now, check out these seven wonderful perks you can have with a good credit history and know why it’s always better to be good. After all, you don’t want your credit past to haunt you. 1) Easier loan approvals. Planning to get a real estate loan for that condo or house, a car loan to get your dream vehicle or a business loan to finally be your own boss? Well, better mind your past because your credit … [Read more...]

A Back to Basics Guide To Earn Your First Credit Card

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Credit cards in the country are usually seen as a luxury because ideally it has a lot of benefits such as hassle-free money transactions, fast solutions in financial emergencies, instant gratification from online shopping, easy online booking payments and a lot more. It’s indeed alluring! Image source If you’ve been wanting to get your wallets with those swiping plastic money, yet you still wonder how? Here’s a back to basics guide to help you come into terms in earning your first credit card. 1)Determine the best type of credit card you can apply for. So, it's your first time to apply for a credit card and you feel overwhelmed with the hundreds of credit card products that you've read from different banking institutions. Well, to explain to you, there are a variety of credit cards that suits a particular financial need. From the variety of credit cards, there are three major types to know.  Regular -This is the best bet for first time credit owners.  Premium-For … [Read more...]