Credit Spotlight: Kikoff
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Applying for a credit card can be challenging especially when your credit score has seen better days or you're just new to credit and looking to build it. We’ve taken the hassle out of finding credit card issuers willing to work with you. Each of these cards have been carefully selected based on application security, bank rate transparency and clear credit terms. It only takes a few minutes to apply, so let's get started below.
We think it’s about time a credit card company helped people succeed financially. That’s why we’ve used modern technology to design credit card products that help you budget, control your spending, and build credit.
* Simply make at least your first six monthly minimum payments on time and your initial Credit Limit up to $1,000 doubles up to $2,000.
Get matched to credit cards based on your credit profile
See your best matches based on you
The Net First Platinum card could be the perfect card for you.
*See Card for Details
Have you been denied credit in the past? Net First Platinum is available to help people meet their financial needs. Our fast and easy application could be just what you need. A $750 credit line (Usable only at TheHorizonOutlet.com) could be available to you faster than you ever thought possible.
*Dependent on credit worthiness
* Dependent on credit worthiness
In today’s day and age, it’s easier than ever to apply for a credit card. You can search through offers online, learn more about the features of each one, and apply within a matter of minutes.
While this level of convenience is sure to put a smile on your face, it can also lead to trouble. Here’s how: many consumers begin to apply for credit cards that they don’t qualify for.
Before we get into the finer details of finding a credit card you will be approved for, let’s examine two reasons why this is so important:
Simply put, too many credit card applications in a short period of time will drag down your credit score. Subsequently, you’re making it more difficult to secure a card in the future.
Multiple applications in a short time span can put you in a bad light with credit card issuers, as they could consider you a bigger risk than others.
Your primary goal is to find and apply for the best credit card without wasting any time. However, if you continue to apply for credit cards that are “out of your league,” it’s possible that you could waste one day after the next and never make any real progress.
Moving forward in an efficient manner starts with having a clear idea of the types of cards you’ll qualify for.
Credit card issuers consider many factors when making a decision on your application. Knowledge of these factors will move you closer to credit card offers that best suit your situation.
Credit Score – Every credit card offer has a “credit score range” attached to it. For example, there are cards for people with poor credit as well as those for good and excellent credit. If your credit score is in the 500’s, don’t apply for an offer that requires an excellent score.
Credit History – A strong credit history will improve your chance of an approval. Conversely, if you have no history or several delinquencies on your credit report, you should understand the impact (and what you can do to help your situation).
Income – Just the same as your credit score, your income has a lot to do with whether or not you’re approved. When reviewing an offer, learn more about the minimum income requirement. If you don’t make enough money, it’s time to move on.
As noted by the Official Guide to Government Information and Services, it’s important to shop around to find the card that is best for you.
When doing so, remember that it’s best to only apply for credit cards you will be approved for. This will help your credit score avoid unnecessary damage, speed up the process, and allow you feel better about your financial situation as a whole.
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