Credit Card Application Questions, From Robert Jain
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One of the biggest financial moves that a person make, especially if they're young, is opening a credit card. This is one of the most important steps that someone can make in their life, since it can illustrate a sense of responsibility on their end. With that said, it's important to note that new customers will have questions, which is why a learning experience will be needed. For this reason, here are some of the most common questions you might want to bring up, courtesy of Robert Jain.
"What perks does this credit card have?" If you're looking to apply for a credit card, chances are that you'll be interested in the different perks it'll have to offer. For example, if you're someone who likes to travel often, maybe frequent-flyer miles will strike your fancy. For those who enjoy amusement parks, perhaps discounts will grab your attention. It's all a matter of preference, and Robert Jain can tell you that there are many choices to go with.
"How much interest do I pay?" If you are concerned about the interest that your credit card will generate, you might not have much to worry about. After all, you have to consider that those who pay little interest tend to be those who pay off everything they owe in full, as soon as possible. Suffice it to say, you'll want to follow suit. By doing so, you'll be able to get even more out of your credit card as a loyal consumer.
"My credit score seems low. How do I fix this?" If you fear that your credit score is a little on the low side, there are workarounds to consider. One of the best, according to companies such as Robert Jain Credit Suisse, is spending money on a moderate basis. Too much spending can actually hurt your score, especially if you don't make payments on time. Perhaps the best advice to give, as far as maintaining this score is concerned, is to spend wisely.
By bringing up these questions, you should have a better understanding of what you're applying for. Seeing as how this is one of the bigger financial moves a person can make, as mentioned earlier, it's important to get as much information as you can. For this reason, make sure that you speak up if you have any queries, no matter how small. Suffice it to say, you will benefit from this knowledge in the future as well.
"What perks does this credit card have?" If you're looking to apply for a credit card, chances are that you'll be interested in the different perks it'll have to offer. For example, if you're someone who likes to travel often, maybe frequent-flyer miles will strike your fancy. For those who enjoy amusement parks, perhaps discounts will grab your attention. It's all a matter of preference, and Robert Jain can tell you that there are many choices to go with.
"How much interest do I pay?" If you are concerned about the interest that your credit card will generate, you might not have much to worry about. After all, you have to consider that those who pay little interest tend to be those who pay off everything they owe in full, as soon as possible. Suffice it to say, you'll want to follow suit. By doing so, you'll be able to get even more out of your credit card as a loyal consumer.
"My credit score seems low. How do I fix this?" If you fear that your credit score is a little on the low side, there are workarounds to consider. One of the best, according to companies such as Robert Jain Credit Suisse, is spending money on a moderate basis. Too much spending can actually hurt your score, especially if you don't make payments on time. Perhaps the best advice to give, as far as maintaining this score is concerned, is to spend wisely.
By bringing up these questions, you should have a better understanding of what you're applying for. Seeing as how this is one of the bigger financial moves a person can make, as mentioned earlier, it's important to get as much information as you can. For this reason, make sure that you speak up if you have any queries, no matter how small. Suffice it to say, you will benefit from this knowledge in the future as well.
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