Posts Tagged ‘tribute credit card’
The Tribute credit Card is one of the best cards you can apply for online because of their super fast approval process. In most cases, you can get approved within thirty seconds or less!
But, and more importantly, for people with a bad credit score, the tribute credit card reports to the credit bureaus — this means that your timely payments will actually be making a difference to improve your credit score!
The other nice thing is that as you make your payments on time – the tribute credit card will automatically increase your credit limit to reflect your improving credit score.
This is an unsecured credit card, but it is accepted worldwide, but offers only the basic functions of a regular credit card. If your credit is bad or low, and you need to get a card to help improve your credit, this card can help you rebuild your credit. (Just make sure you don’t let it get stolen!)
It does charge a pretty high interest rate and a higher than normal annual fee (plus a maintenance fee!), but in terms of the competition, the tribute credit card is very competitive. But read the fine print. Then you can apply for something better like a credit card.
The tribute credit card can be a great option for those needing to start down the road of rebuilding their damaged credit.
So, the first thing that you should do is check your credit score to find out exactly where you stand in regards to your credit rating. This will give you a more specific idea of exactly what the banks and lenders see when you apply for a credit card, line of credit, loan, car and so on. This will give you the first hand information that you need in order to go about improving or fixing your credit. So start by asking the credit bureau for a copy of your credit score.
After you receive your credit report, you should go and review everything in it, and if you find anything that is incorrect, you should notify them immediately and try to get it corrected.
If you do have any bad marks on your credit history this is usually from having some bad debts outstanding, and the only way to erase them is to pay them off. So pay them all off, and be sure to pay them off by paying off the debts with the highest interest rates first.
Are you unable to pay your debts off? Then try to get a loan to consolidate your debts so that you can have all your debts rolled into one total with a lower interest rate. It will help you pay everything off much quicker. If you can’t get this – try contacting a credit counsellor who can guide you through the process of repairing your credit and paying off your debts. In some cases, these cousellors are able to contract your creditors directly and ask them for lower interest terms. And just by doing this alone, many of these non-profit counsellors have been able to reduce their clients interest debt load by up to forty percent!
Next, close any credit card accounts that you have and come up with a plan to live within your means from now on. Take stock and inventory of your current financial state and try to liquidate any assets that you may have that can go towards clearing off your debt.
Once you have done all this and have cleared your credit, apply for another credit card like the tribute credit card.
Why the tribute credit card? Because it is an unsecured credit card that nearly everyone can apply for and be approved for, and – most importantly – this card reports directly to the credit bureaus. So by getting this card and making your monthly payments, you will be re-establishing your credit rating and building good credit. So that’s a pretty strong reason for applying for the tribute credit card.
So really, the tribute credit card is a pretty good card with the fact that it’s pretty widely accepted throughout the world (given that it is issued by Mastercard), is really easy to apply for (as you can do it online), virtually everyone is accepted for this card, there are no minimum finance charges, a twenty five day grace period and the one time application fee isn’t outrageous.
Of course there are a few drawbacks to the tribute credit card in that it really doesn’t have any sort of extended credit card functionality and you have to pay the balance in full each month. But really, when you think about it, for people who have had credit trouble before and are really committed to fixing their credit, these drawbacks may be a small disadvantage to being able to (and having the option to) fix their credit using the tribute credit card.
It is nice that the tribute credit card offers a fairly flexible interest rate, virtually instand approval (in terms of and when compared to most other credit cards), is open and willing to accept people with poor or bad credit (while most other cards aren’t), and it actually has travel accident insurance (a nice little bonus for sure).
I mean, it isn’t all good stuff with the tribute credit card. You do have the application fee which is on the higher side of things, and you don’t have a very high maximum (which of course is dependant upon where your credit scrore ends up landing) with the tribute credit card – most often people who get this card start off with a three hundred dollar limit, and in terms of card options, there isn’t a whole lot, but it is a great card to start rebuilding with, even if you have to end up paying off the whole balance owing on the card itself every month. But it is a fairly current card, and what I mean by that is that they do offer some online banking options with the card, so you are able to pay your tribute credit card online as well
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