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Tuesday, December 28, 2010

How To Apply For A Credit Card?

If it’s your first time to apply for a credit card, it’s understandable that you’re feeling a bit apprehensive about the outcome. There are several things you can do however to increase your chances of getting approved. Just follow steps below.


Step #1 Find a credit card you want and need. There are basically two types of credit cards to choose from: low interest credit cards and those that are reward based. If you are applying for a credit card only for emergency use, you’d be able to maximize the benefits of a low interest card. But if you’re applying for a credit card to enjoy better shopping then you’re definitely more suited to a reward based credit card.

Step #2 Prepare possible credit card requirements such as photos, Social Security number, valid IDs, proof of income, and billing. Check your credit ranking. If it’s below 620, you can’t proceed to Step #3 without repairing your credit first. If you’re only a college student, prepare proof that you’re still studying and maybe copies of your most recent grades.

Step #3 Now that you have everything ready, it’s time to apply for a credit card online. If the design of your card is customizable, this might be the first step you’ll have to take. Choose the design that appeals to you the most.

Step #4 You will have to fill up an online application form online afterwards. The first section will usually require you to provide your contact details. It’s important that you be able to provide a landline number they can contact if you’re going to be subjected to a subsequent interview.

Step #5 The next section will usually be regarding your employment status and history. What the credit card company basically wants to know if you’re currently employed and how long you’ve been with your current employer. This will allow them to gauge whether you’re a responsible and reliable person. Generally, the longer you’ve been with your employer the better.

Step #6 Income information is also very important. Your gross income – or how much you’re earning in total without subtracting your expenses first – will allow them to determine how high your credit card limit should be. Of course, if you’re not too sure about your self-control, you can ask them to lower your credit card limit to what you feel most comfortable with. If you plan giving an extension or supplementary card to someone else, you could also choose how much limit his card would have.

Step #7 The online application form might also require you to indicate whether or not you have a checking or savings account. Don’t worry if you don’t have one because it’s not really necessary for you to have either; having either, however, helps the credit card company evaluate your application better.

Step #8 Once you’ve submitted your application form online, you will only have to wait mere minutes and no more than 24 hours to know the status of your application. It’s possible that you’ll receive a call afterwards if they wish to verify additional information about you. When that happens, just answer their questions calmly and confidently.

Step #9 If you get rejected, don’t take this to heart. You can ask them the reasons for your failure to get a credit card, and from there, you can determine what to do next. You can also ask for your employer or a relative with an outstanding credit score to serve as your guarantor on your next application.

Monday, December 13, 2010

Confused With The Ecommerce Shopping Cart?

Type ecommerce shopping cart on the internet and you’ll get billions of search results. It can be really confusing, I agree. If you let the jargons get to you, you can easily get confused with the ecommerce shopping cart. We’ll don’t be. I’m not saying that it’s easy but it should not be that confusing, to say the least.

No question about it, having a dedicated shopping cart on your website is very significant. It can have huge impacts on your marketing and sales. It affects the way you manage your products. It will change the way you generate sales reports. It will give you news perspectives and open up new opportunities and increase potential market base. An online shopping cart is the next best thing for a commercial website like yours.

There are a couple of things that you will need to know about before purchasing a shopping cart. First would be the payment gateway. The payment gateway will be the one taking care of your customers’ payments may they be in the form of credit cards or electronic payment schemes. Shopping cart providers will support different kinds of payments schemes. Obviously, you will need to choose a payment gateway that accepts a wide range of payment mechanisms for your customers.

Shopping carts can be quite expensive especially if you’re not a big conglomerate like some of the people online. You need to be realistic and see how an investment can generate more profit in the long run. Naturally you will be spending money on your shopping cart solution but carefully assess and see the sales projections. If you see profitable days ahead with this shopping cart provider then make the choice.

When looking for shopping providers also look at what other things they offer. The shopping cart application should be simple, customizable, and full of new ideas which bring you ahead of your competitors. You must keep in mind that your competitors are at the same boat as you.

Also, it would be better if you select a provider that has a good track record both in their products and after sales services. This means having a good support base where you can easily ask for help regarding errors that will, and believe me they will, appear from time to time.

Of course, the best shopping cart will always be the one that will meet all your needs. When looking for a shopping cart, it is best to carefully make comparisons on the features of each shopping cart.

We can have two general categories of shopping cart applications. The first one would be licensed shopping cart applications and the second one is the hosted shopping cart service. The first one basically means your business will own the shopping cart. You can transfer it to any web server you own and often has highly customizable features.

The second one, the hosted service applications is hosted by a separate service provider. You run your shopping cart according to a template which can also be customized but with limitations. Payments are done on a monthly basis and sometimes the provider has shares on your sales. This is quite different from a licensed one where it is usually a one time payment scheme.

Ecommerce shopping carts are a good thing for your website and your business as a whole. So don’t get all confused on what it is for and whether you will ever need it or not. You do need it, that’s just how it is.

by: Latest Freebies