Applying for credit cards nowadays is probably one of the easiest things to do since the Internet empire was created. You can do this in several easy steps. First, you're going to want to figure out what type of card you want such as MasterCard, Discover, or Visa then you're going to want to look online for different credit cards sites. Now you can do one of two things; go directly to the card manufacturer such as MasterCard, Visa, American Express or Discover or look for sites that offer all sorts of card guides. These guides will give you a list of credit cards available along with all their stats such as fees, APR, maximum amount etc. I personally like and recommend these sites because you have all the information your looking for in one place! You can also compare cards on this site which is great for you!
You can also find the card you want by looking for the bank its from if you prefer to try it that way. Banks such as Citibank, HSBC, Bank Of America, Washington Mutual, Advanta, New Millenium Bank and many more offer these cards. Just look on the sites for the 'cards by bank' section!
The next step, you're going to want to take is the easiest to do and that is filling out the credit card application. For the credit card application they are going to ask you a few personal questions such as how much you make per month, how much you make per year, Social Security number, and even your mothers maiden name. Don't be afraid to enter in this information, this information is only asked for two reasons. The first reason is to make sure that the person filling out the card is really you for security reasons. The second reason is because they need to know your credit card history, or your debt history.
For those of us with bad credit. Its almost and possible to apply for a credit card and be accepted. However, there are certain credit cards that will allow you to apply and will accept you if you do have bad credit. If your looking for cards such as such as these, simply go online and look for things relevant to bad credit, such as I have bad credit can I still get a credit card, credit cards for people in debt, or other things.
As said above there are some sites you can find credit card guides, if your looking for sites like these that you might want to try out sites like this:
My Credit Card
Card Ratings
Acclaim Visa
Totally Money
All of these sites plus much more can be found online by searching for things like compare cards, compare credit cards, or compare credit cards online. Once you find these sites it is pretty easy to navigate them. They will either ask you, what manufacturer of card you're looking for such as MasterCard, Visa, Discover. Or they will ask you what type of card you're interested in such as a diners card, travel card, or business card. Good luck in finding the perfect credit card for you!
best way to accept major credit cards online?
hey guys, if i need to accept credit cards online through my site what would be the best way to do it? i'm knowledgeable with html/php/css/etc.., but i've never done anything like this before, and was wondering if anyone could guide me in the right direction. i'd rather not code my own system cause i don't feel too safe with other peoples numbers.
or even another website that would do this for me and take a small cut, i think that would be the easiest way, anyone know a reliable one? does paypal do that? or do they only accept paypal accounts?
thanks for you're help.
Answer
There are a number of different options for accepting credit cards online. Your payment processor and methods can be very important to your business' overall success so it's not a decision I would make lightly.
The most effective payment system in my opinion is to have a payment gateway setup for your business, this will basically allow customers to pay in a variety of ways and give the most overall flex-ability. For instance you could easily setup product links where the customer would like the link and pay directly from your gateway, or you could integrate a shopping cart into the process to easily handle customer orders. You can even manually key in a credit card if someone gives it over the phone or in-person.
All of this takes very little knowledge and requires no advanced programming skill, any good processor will set you up with a solution to help you achieve your desired results and most have an advanced gateway that will allow you to simply choose your options and insert an HTML/Java Script or something similar without doing much coding at all. It's really basic, in-fact I've worked with several business owners who had almost no computer knowledge and never had a website but could easily arrange online payments using the right system.
PayPal is a decent option, and to be honest it's always good to have a PayPal account for those people who are firm believers in there system. However they don't offer as much flex-ability, aren't as professional, and have a less than satisfactory rating with most business who use them for payment processing.
Remember in there system the buyer has all the protection and if you run a business' that is even slightly susceptible to fraud I would be very careful with PayPal.
Besides there poor fraud management and high target rate from scammers, they also have poor management solutions to handling client accounts. They often Lock, Freeze, or Close accounts that experience high volume or have had a few problems. Even if you've never had a dispute they might randomly lock your account for any number of reasons and hold on to your money for up to 6 months.
Anyway, before this becomes a novel I would suggest doing some research online regarding online merchant accounts. They sound like the perfect solution for you, and as a business owner myself I can personally recommend Prosper Merchant Services.
Even if you don't decide to process with them they have been very helpful to me and some of my clients and I'm sure they would be happy to answer any questions or concerns you might have.
www.prosperms.com
Forgot to mention that all processors that allow you to accept credit cards will be taking a cut of your money, PayPal's fees are quite a bit higher than most since they aren't an official merchant provider... but you can expect rates from 2.5-3% on average for e-commerce. Even if you run a retail business and are setup with your local bank or something they will still be taking a cut, that's how they stay in business!
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#Business Credit Cards Guide: Searching for absolutely no personal guarantee business credit…
Sign on to the router admin web pages and you should find it there.
If it's default it's possibly on a sticker on the case too (it was on my Thomson one)