July 29th, 2009 Admin
Our society is all about getting things done quickly these days. For example, meals aren’t worth having unless they can be started and completed in under 30 minutes. Things seem to be put off if they can’t be completed quickly. Almost everything in our society has been modified to live this fast lifestyle.
People just aren’t as patient as they used to be. Fast food, drive-thru lanes, express approval lending, etc. There is one thing that has turned to this fast-pace way of living, but hasn’t taken any corners to do so. Instant approval credit cards.
Instant approval credit cards started popping up a few years ago. And, believe me, they are much better than the traditional way of credit card lending.
In the “olden days,” you would have to fill out a paper credit card application and mail it in to the credit card company. Then, you would have to wait for them to receive the application, review the application, make a decision, review the decision, type the approval letter, mail the approval letter and be delivered. This process alone could take weeks to complete.
Then, someone got a great idea to start putting credit card applications online. The only steps that were omitted were the steps in which the application or approval letter went through the mail delivery system. The actual approval process was the exact same. Yet still, it did shave off a week here and a week there.
Then came instant approval credit cards. This has completely revolutionized the credit card industry. Not only is it more convenient for the consumer, but the credit card company is able to market to larger amounts of people and lend to more people this way.
Consumers can fill out a modified application online. Once they hit the “Submit application” button, they only have to wait 60 seconds or less to get their approval decision. It takes less than a minute to know if they have been approved or not and what their credit limit is if they have been approved.
Not every credit card offer comes with the instant approval guarantee, but more and more are moving towards that. Go to www.plasticrewards.com to see a list of instant approval credit cards that is sure to fit your individual financial needs.
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July 15th, 2009 Admin
Choosing the right credit card lender can make all the difference in the world. Instead of being stuck with a credit card that comes with outrageous fees and horrible customer service, you can actually go with a good quality credit card lender.
Just because a credit card company is big, doesn’t mean that it is the best. In fact, large credit card companies tend to have a weaker customer service department and higher fees. Let’s take a closer look at the ratings that Citibank gets for its credit card department.
When it comes to customer service, the average rating for Citi is only two stars out of five. This could possibly be due to the fact that Citi handles millions of credit card accounts each year. Perhaps they are too bogged down with their current accounts that they can’t quite keep up with the possibility of improving their customer service department. Customers, in general, have been frustrated with the fact that their calls and complaints aren’t handled in a timely or professional manner.
Citi scored slightly better when it came to the Rates and Charges category. Customers were generally more satisfied with Citi’s rates and fees. That is saying quite a lot because customers aren’t usually pleased with this category. However, Citi got three stars out of five.
Overall, customers ranked Citi with only two stars out of five. Although they were more satisfied with Citi’s rates and fees, the customer service department ruined the opinion of customers around the country.
Don’t get me wrong, Citi does have some great benefits. Perhaps if every customer used their credit card the way credit cards were meant to be used, all consumers would be satisfied with their credit card company. But, these are some important things to keep in mind if you are considering a credit card from Citi.
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July 13th, 2009 Admin
In the world of confusing cash advance loans, CashTree.com is dedicated to making the process easy to understand, convenient & private, and as fast as possible. The CashTree folks recognize that borrowers are seeking fast service that puts the money they need in their hands faster.
What You Need to Know
There are a few things to keep in mind when you are applying for no fax loans through CashTree.com. First of all, you’ll need to have a gross income of at least $1,500 per month. It’s OK if your take home is less than this, just as long as your pre-tax income is $1,500 or more.
Also, your checking or savings account needs to have been open for at least one month before you apply. Cash tree loans are available to adults 18 years of old or older. And finally, you must not be in bankruptcy or have intention of filing for bankruptcy.
Do You Check My Credit?
One of the best things about cash tree loans is that your credit doesn’t matter. In fact, your credit won’t even be checked. As long as your employment and income can be verified and meet the requirements, you should have no trouble being approved for a cash advance loan.
How Soon Will I Get My Money?
Soon! To be more specific, no fax cash advances are usually deposited into your account the next business day as long as your application is received & verified before 1 p.m.
Why is CashTree.com Different?
Quick payday loans processed through CashTree.com are done so quickly so that you have access to funds faster. The CashTree.com team is dedicated to excellent customer service, so you can expect nothing but respect from this company. The no fax loans are fast and easy, and as long as your income and employment can be verified over the phone, you’ll never have to worry about faxing anything.
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