Credit

Feb 13 2019

How Much Term – Whole Life Insurance Cost, Get Quotes Online, Quotacy, how much should term life insurance cost.

#How #much #should #term #life #insurance #cost How Much Does Life Insurance Cost? There are several types of life insurance available the main ones being term life, whole life, and universal life insurance. The costs of each vary depending upon the individual, the product, and the amount of coverage you choose. Everyone’s situation is unique so a policy that works for some may not be the best choice for another. Two people with the same type of policy may also pay different rates depending upon the individual’s age, health, and lifestyle. Let s dig into how much life insurance costs. …

Feb 8 2018

7 Ways To Improve Your Credit Score, what credit card should i get.#What #credit #card #should #i #get

7 ways to improve your credit score If you need to boost your credit score, it won’t happen overnight. Credit scores take into account years of past behavior you can find on your credit report, and not just your present actions. But there are some steps you can take now to start on the path to better credit. 7 steps to raise your credit score Watch those credit card balances. Eliminate credit card balances. Leave old debt on your report. Use your calendar. Pay bills on time. Don’t hint at risk. Don’t obsess. 1. Watch those credit card balances One …

Dec 27 2017

5 Credit Card Fees You Should Never Pay #apply #for #credit

#freecredit.com # 5 Credit Card Fees You Should Never Pay Mark Twain once said Everybody talks about the weather, but nobody does anything about it. But when it comes to credit card fees, there is actually a lot that credit card users can do to reduce or eliminate them. In fact, conscientious cardholders can avoid paying these fees altogether when they choose the right cards and use them wisely. Here are the top five credit card fees, and how to avoid them. 1. Annual Fee It is true that many credit card issuers now charge an annual fee, but there …

Dec 25 2017

Insurance Scores: What You Should Know – Progressive Auto Insurance #annual #credit #report #free

#whats my credit score # Quote Buy Online What is an insurance score? An insurance score is a score calculated from information on your credit report. Credit information is very predictive of future accidents or insurance claims, which is why Progressive, and most insurers, uses this information to help develop more accurate rates. Each insurer has its own method for evaluating this credit information. At Progressive, we develop our method by analyzing the following data from people we have insured: Accident and insurance claim history Credit report information The results of this analysis tell us what credit information will help …

Dec 23 2017

When Should You Dispute Credit Report? #credit #scoring

#dispute credit report # When should you dispute credit report? Credit Cards » When Should You Dispute Credit Report? Disputing credit report errors Your credit report tells the world a lot about you. What if it’s saying something it shouldn’t? Can you dispute your credit report? The short answer is “yes.” But before you raise that red flag, you should know about the types of errors that typically occur, and which ones are more harmful than others. As more Americans learn how to pull their credit histories, many are finding their reports aren’t giving a clear picture to potential creditors. …

Dec 23 2017

Unsecured Business Credit Card: 3 Types You Should Know #small #business #loans #for #bad #credit

#unsecured credit card # Unsecured Business Credit Card Planning to apply for a business credit card? Want to know what type of credit card is best for you and your business? In this post I’m not going to cover the typical things you would expect such as functions, features and benefits, but instead focus on something I believe to be much more important. You see in today’s financial landscape an unsecured business credit card has become one of the easiest sources of credit for business owners to obtain. Let’s face it going the traditional route of obtaining a line of …

Dec 22 2017

Should You Open a Store Credit Card? #easy #to #get #credit #cards

#store credit cards # Should You Open a Store Credit Card?

Dec 19 2017

Miles – Points 101 – What Credit Card(s) Should You Get? #credit #repair #software

#what credit card should i get # Miles Points 101 What Credit Card(s) Should You Get? Before we start, here is a quick index of the How to Get Started series: As a beginner, you might find that there are an overwhelming number of travel-related credit cards out there. In the past year or two,  credit card sign-up bonuses have become so good that a general rule of thumb is NOT to apply for a card unless you get at least $500 (which generally means 50,000 miles/points). Some of the best offers last year all came with 75,000 or 100,000 …

Dec 7 2017

Should You Freeze Your Credit Reports? #free #credit #score

#three credit report # Should You ‘Freeze’ Your Credit Reports? May 01, 2013 | Updated Jul 01, 2013 Jason Alderman Vice President, Knoweldge Universe Although the odds of having your identity stolen remain quite low, anyone who’s ever had their bank or credit card account compromised knows what a pain it can be to unravel the mess. Sometimes enterprising hackers just need your Social Security number, address and date of birth to start running up charges on your existing accounts — or worse, to open new ones in your name. Many victims don’t realize anything’s wrong until they apply for …

Dec 7 2017

Should I Lease my Next Car? #mortgage #lenders #for #bad #credit

#lease a car with bad credit # Should I Lease my Next Car?

Dec 7 2017

Should you get credit union credit cards? #bad #credit #debt #consolidation #loans

#what credit card should i get # Should you get a credit union credit card? Highlights Median interest rates on credit union cards were 20 percent lower than banks. Rewards programs are not as generous as you get on bank credit cards. Only a quarter of credit unions charge a fee for a balance transfer. Credit Cards » Should You Get A Credit Union Credit Card Median advertised interest rates on credit union cards were about 20 percent lower than on bank cards, according to a July 2009 study by the Pew Charitable Trusts, which compared credit cards from the …

Dec 6 2017

Why You Should Avoid a Credit Card Cash Advance #credit #card #offers

#cash advance credit card # Why You Should Avoid a Credit Card Cash Advance Continue Reading Below Why Credit Card Cash Advances Are So Expensive When you take out a cash advance, you re charged a cash advance fee  that’s either a minimum flat rate or a percentage of the amount of the cash advance. These fees typically range from 2% to 5% of the cash advance amount. That means if you have a cash advance of $500, you’ll pay a cash advance fee between $10 and $25. In addition to the cash advance fee, you ll also be charged an ATM fee, between …

Dec 6 2017

Why you should check your credit rating #credit #experts

#check my credit rating # Credit rating check Why should I check my credit rating? Are you wondering should I check my credit rating? Before you get a credit score check, learn why it s important to check credit rating Your credit rating check (also known as your credit score check) is determined by your credit report, which is a comprehensive record of your borrowing history and acts like a financial CV for lenders to consider when you apply for credit. It’s your report Join the campaign to fight for free annual credit reports for everyone There are plenty of …

Dec 6 2017

Top 10 Credit Reporting Agencies Every Business Owner Should Know #best #credit #cards

#credit report agencies # Top 10 Credit Reporting Agencies Every Business Owner Should Know October 21, 2009 By Marco Carbajo I was excited to write this particular post because there is such a tremendous lack of awareness in the entrepreneur and small business community surrounding the business credit industry. I have assembled my Top 10 Credit Reporting Agencies Every Business Owner Should Know in order to full educate the entrepreneur and small business community on what s available in the marketplace to grow and maintain their credit files. While the majority of consumers are fully aware of the three main consumer credit reporting agencies known …

Dec 5 2017

3 Things You Should Use Your Credit Cards to Buy #buy #now #pay #later #no #credit #check

#credit cards for people with poor credit # 3 Things You Should Use Your Credit Cards to Buy Michael Lazar Contributor, NowItCounts.com Credit cards are not bad, even if they have stigma attached to them. That stigma is usually associated with poor spending and financial planning habits, something that we can all better plan for. Everyone should have at least one or two credit cards, and should be using them often. But what do you buy, when should you use them and why is this of any benefit to you as a consumer? We’ll help you better understand. What to …

Nov 22 2017

How Many Credit Cards Should You Have? #student #credit

#good credit cards # How Many Credit Cards Should You Have? If you’ve ever spent your way into a massive pile of credit card debt, the answer might be “none!” But for everyone else, the answer probably doesn’t come as easily. According to the Federal Reserve Bank of Boston’s 2009 Survey of Consumer Payment Choice (published April 7, 2011), 72.2% of consumers have a credit card. The average consumer who uses payment cards (a category that includes credit cards, debit cards and prepaid cards) has an average of 3.7 credit cards. Let’s examine why you might want your own behavior …

Nov 22 2017

How Many Credit Cards Should I Have? 720 Credit Score #bad #credit #loan

#what credit card should i get # How Many Credit Cards Should I Have? Question: “How many credit cards should I have if I want to earn the best possible credit score? I receive a lot of credit card offers in the mail. Should I apply for them?” Answer: Having the right number of credit cards is a big part of your credit score. Ideally, you should not have any retail store credit cards, but you should have between three and five revolving credit card account. This includes Visa, American Express, MasterCard, or Discover. One of the biggest factors in determining your …

Nov 20 2017

Which Credit Card should I Get? #credit #expert

#what credit card should i get #Which Credit Card should I Get?

Nov 16 2017

Which Credit Score Should I Check? #how #to #buy #a #house #with #bad #credit

#credit rating check # Which Credit Score Should I Check? It would be a phenomenal waste of time to try and find out all your credit scores. Don t take that the wrong way: Credit scores are important, but there are dozens of them. There are so many scores, it s hard to know where to begin. I suppose we can start with why there are scores of scores. (Pun intended. See? Credit scores can be fun.) Species of Credit Scores First off, there are two big distinctions when it comes to credit scores: Those used by lenders and educational …

Nov 12 2017

How to Get a Free Credit Report and Why You Should #credit #calculator

#how to get credit report for free # How to Get a Free Credit Report and Why You Should Finding out your credit rating or credit score might seem like a mysterious and challenging ordeal, but it really isn’t. It’s possible – and surprisingly easy – to get a free credit report each year. This will help you to annually monitor your credit, ensure that your credit card and loan payments are reported accurately, and protect your identity from being infringed upon. What is a Credit Report? A credit report is a document that lists events in your recent history …

Oct 5 2017

Canada – s Most Successful Gift Card Fundraiser – Home, how much credit should i have.#How #much #credit #should #i #have

# Canada s Most Successful Gift Card Fundraiser Over $18 Million Dollars Raised Supporters simply pay for their purchases with gift cards bought from FundScrip. Since 2004, Canadians have put their faith in FundScrip to raise money for causes they care about. No need to ask friends, family, and colleagues to buy over-priced stuff they wouldn’t otherwise. Use reloadable gift cards to support your group! How Does FundScrip Work? FundScrip is an established, Canada-wide fundraising program in which your supporters pay for their shopping (groceries, gas, home & garden, entertainment, restaurants, and much more) with gift cards. Each purchase automatically …

Sep 30 2017

Should I Consolidate Credit Card Debt? #no #credit #auto #loans

#consolidate credit card debt # Here are the things to consider if you want to consolidate your credit card debt. If you are struggling to pay off multiple credit cards, consolidating your debt may allow you to reduce your interest rates and lower your monthly payment. However, a lower monthly payment can mean a longer repayment term and more interest paid over the life of the loan. Whether you should consolidate your credit card debt depends on your individual circumstances and the terms of the consolidation. Read on to learn more about whether credit card debt consolidation is right for …

Sep 30 2017

Accurate Credit Bureau Tenant Credit Check What a Landlord should look for. #free #credit #checks #online

#tenant credit check # Accurate Credit Bureau Tenant Credit Check What a Landlord should look for What to Look for in a Tenant’s Credit Report A credit report contains a gold mine of information for a prospective landlord. You can find out, for example, if a particular person has ever filed for bankruptcy or has been: late or delinquent in paying rent or bills, including student or car loans involved in another type of lawsuit such as a personal injury claim, or financially active enough to establish a credit history. Information in credit reports covers the past seven to ten …

Sep 30 2017

Should I Pay To Check My Credit Score? #the #three #credit #reporting #agencies

#check my credit score free # Should I Pay To Check My Credit Score? Should you pay for your credit score? Ideally, no, but the Fair Credit Reporting Act does allow companies to charge you to see your score so in some cases, you might not have a choice. Credit Score Vs. Credit Report Don’t confuse the two. Once per year, you can request a copy of each of your credit reports from the major reporting agencies. Simply go to annualcreditreport.com and follow the simple instructions. It’s free and easy. Your credit score is a numerical representation of your credit …

Sep 30 2017

When Should You Get Your First Credit Card? #personal #credit #report

#what credit card should i get # Other People Are Reading Effects A person’s credit score is determined by many factors. One of those factors is how long a person’s credit history is. Thus, all other things being equal, a person who has had credit for 5 years will have a higher credit score than a person who has had credit for 2 years. Significance A credit card account is reported on a person’s credit report. This can be good or bad. If the card is used wisely, then it will have a positive impact. Additionally, the longer a credit …

Sep 30 2017

My Credit Score: Why I Don – t Care and Neither Should You #home #equity #loan #bad #credit

#my credit score # My Credit Score: Why I Don t Care and You Shouldn t Either

Sep 25 2017

4 Things Credit Card Newbies Should Do to Establish Good Credit – US News #consolidating #credit #card #debt

#how to build credit # 4 Things Credit Card Newbies Should Do to Establish Good Credit If you’re a first time credit card holder, follow these tips to build a solid credit history. So you’re a credit newbie. If the credit world is still a mystery to you, it’s nothing to be ashamed of. Maybe you’re graduating from college this year, and you want to use credit responsibly. Or maybe you’re thinking about buying a home, and you need to establish credit for a mortgage.

Sep 18 2017

True Value Solar – Solar Panels, should i get solar panels.#Should #i #get #solar #panels

# Call us on 13 76 52 GETTING SOLAR IN 2017? SOLAR BATTERIES DON’T BUY A SOLAR SYSTEM UNTIL YOU READ THIS! 8 facts all buyers should know. TARIFFS, STC’S & REBATES How you can avoid the traps and Why choose true value solar? We are Australia’s largest solar experts Health and Safety Quality Partners Australia’s largest solar company Panels installed and counting Solar Have you ever wondered how much you could save with solar? To give you a better idea of what solar can do for you – we’ve developed our simple, easy-to-use savings calculator.

Sep 13 2017

Why I m Keeping the Name You Can t Pronounce #foreign #names,name #change,ethnic #name,foreign #names #canada,should #i #change #my #name,north #americanize #names,pronouncing #foreign #names

# Why I’m Keeping the Name You Can’t Pronounce My Italian name, Davide, is impossible to pronounce for 95 per cent of the people I meet. The difference a single vowel can make is incredible, because I know that if you take away that “e”, life would become a lot easier for me. My name usually draws some sort of reaction from people. Sometimes I get a compliment, which I always appreciate. Every once in a while I’ll get some sort of insult or joke. But usually, I will hear the person repeat my name improperly (Day-Vid, Dah-Veed, Dah-Vee-Day, etc). …

Sep 9 2017

Credit Cards: Should You Ever Pay An Annual Fee? #bad #credit #auto #refinance

#annual credit # Credit Cards: Should You Ever Pay An Annual Fee? It usually doesn’t make sense to pay an annual fee for a credit card. Plenty of cards don’t charge one, and consumers often don’t get anything in exchange for the added cost. Occasionally, however, a card offers benefits that offset or outweigh the fee. Here are four circumstances in which the expense might be worth it. (These cards offer convenience and security, but are they worth it? See Prepaid “Credit” Cards: Convenience At A Cost .) 1. The card offers a signup bonus that outweighs the annual fee. …

Sep 5 2017

How Often Should You Check Your Credit Report? #credit #cards #for #no #credit #history

#how to check credit report # Check Your Credit Report Often Your credit report is one of the fundamental financial documents that represent your overall financial health. Your credit report is used whenever you apply for a loan, credit card, mortgage, and sometimes even a job or security clearance. Having a clean credit report, and a high credit score can save you thousands of dollars in interest over the life of a loan, and make it easier for you to be approved for a loan request. What many people don t know is that your credit report can be used …

Sep 5 2017

How Many Credit Cards Should I Have? 720 Credit Score #bad #credit #card

#what credit card should i get # How Many Credit Cards Should I Have? Question: “How many credit cards should I have if I want to earn the best possible credit score? I receive a lot of credit card offers in the mail. Should I apply for them?” Answer: Having the right number of credit cards is a big part of your credit score. Ideally, you should not have any retail store credit cards, but you should have between three and five revolving credit card account. This includes Visa, American Express, MasterCard, or Discover. One of the biggest factors in determining your …

Sep 1 2017

Why You Should Use WordPress? #why #wordpress, #why #use #wordpress, #why #you #should #use #wordpress, #why #someone #shoudl #use #wordpress, #reasons #to #use #wordpress, #features #of #wordpress, #wordpress #showcase, #benefits #of #wordpress, #why #is #wordpress #better, #wordpress #rocks

# Why You Should Use WordPress? Often beginners ask us: Why should I use WordPress? Isn t my old site good enough? Why do I need to switch to WordPress? If you re asking these questions, then you re at the right place. In this article, we have compiled a few reasons why you should use WordPress, in what ways you can use WordPress, and who is using WordPress. People often make the mistake of classifying WordPress as just a blogging platform. Although that used to be true in the past, WordPress has evolved through out the years into a …

Aug 28 2017

What Should My Credit Score Be to Obtain a Home Loan? #credit #cards #no #credit

#get my credit score # What Should My Credit Score Be to Obtain a Home Loan? by M. Shayne Arcilla A FICO score of at least 760 will get you the most favorable rates on a mortgage. Types of Home Loans The two most common types of mortgage loans are the adjustable- and fixed-rate mortgages. A fixed-rate mortgage provides certainty in regards to monthly payment amounts since there is only one interest rate for the life of the loan. The disadvantage is that the borrower may be paying more in interest during a low-interest rate environment. On the other hand, …

Aug 25 2017

Insurance Scores: What You Should Know – Progressive Auto Insurance #how #to #increase #credit #score

#whats my credit score # Quote Buy Online What is an insurance score? An insurance score is a score calculated from information on your credit report. Credit information is very predictive of future accidents or insurance claims, which is why Progressive, and most insurers, uses this information to help develop more accurate rates. Each insurer has its own method for evaluating this credit information. At Progressive, we develop our method by analyzing the following data from people we have insured: Accident and insurance claim history Credit report information The results of this analysis tell us what credit information will help …

Aug 23 2017

How often should I check my credit scores? #credit #card.com

#checking credit score # How often should I check my credit scores? Dear Erica, How important is it for me to get my credit scores? I heard I should check them every year. But doesn t that hurt them, too? I m totally not understanding this. If you think I should get them, what is the best place?   James Hi James, Checking your credit scores can either be very important or not important at all. It all depends on what you re intending to do in the future. Essentially, credit scores are shorthand for the financial information that is …

Aug 22 2017

When Should You Dispute Credit Report? #credit #cards #for #unemployed

#dispute credit report # When should you dispute credit report? Credit Cards » When Should You Dispute Credit Report? Disputing credit report errors Your credit report tells the world a lot about you. What if it’s saying something it shouldn’t? Can you dispute your credit report? The short answer is “yes.” But before you raise that red flag, you should know about the types of errors that typically occur, and which ones are more harmful than others. As more Americans learn how to pull their credit histories, many are finding their reports aren’t giving a clear picture to potential creditors. …

Aug 22 2017

What You Should Know About Free Credit Scores #credit #agencies

#what is my credit score free # There’s No Reason To Pay For Your Credit Score Anymore Flickr/Courtney Carmody Forget for a minute all the complicated math that goes into computing your credit scores. People are sometimes lucky if they even know where to find them. For some reason, the geniuses of credit reporting decided it’d be a good idea to offer the physical report for free once a year and dangle the actual score itself in front of us like a juicy carrot. If you want to find out your actual credit score  you usually have to pay and …

Aug 21 2017

Sams Club Credit Card Review: Should You Apply or Not? #poor #credit #home #loans

#sams credit card # Sams Club Credit Card Review: Should You Apply or Not? Sams Club Credit Card Review: Should You Apply or Not? Are you a member? This Sam’s Club credit card review will show you the pros and cons for 2015. Consider these before you fill out an application. Note: The following review is for the store-only version of their credit card. Please see the review of the Sams Club if you’re after that version. Quick Summary: The regular store-only version of the Sams Club card gives no rewards, very few benefits, and a very high interest rate. …

Aug 16 2017

Should You Buy Credit Scores? Consumer Reports Investigates #csc #credit #services

#credit report companies # Your FICO score isn’t what car dealers, mortgage lenders, and others use Fair Isaac, the company that invented FICO credit scores in 1958, derides its competitors as “FAKO” imitators because their scores aren’t the ones used by lenders in their credit-making decisions. But the FICO scores that millions of consumers buy each year for $20 a pop are also not the scores that car dealers, auto-finance companies, mortgage lenders, and others use. Moreover, after reviewing material that Fair Isaac provides only to lenders, we think the scores consumers can buy are inferior. FICO or FAKO? How …

Aug 16 2017

Should you get a secured or unsecured card? #fix #bad #credit

#unsecured credit cards to rebuild credit # About

Aug 16 2017

Should I get a credit card – cashback – rewards #credit #card #apply

#what credit card should i get # The cost of NOT having a credit card The British love affair with plastic continues. According to The UK Card Asscociation. total spending on plastic (debit credit cards) in the UK in September 2013 totaled £45.8 billion, up over 11% compared with September 2012. The value of credit cards essentially comes down to one single issue. Can you meet the monthly payments, in full, every single month? We are, quite rightly, warned of the dangers of credit card debt, specifically regarding the high interest charges fees on unpaid balances. However, what we are …

Aug 15 2017

Why Should You Have to Pay for Your Credit Score? CBS News #how #to #check #your #credit #score #for #free

#get free credit report # Why Should You Have to Pay for Your Credit Score? Last Updated Oct 17, 2009 4:13 PM EDT Seriously. Why should you buy your credit score? After all, the score is based on your information. Shouldn’t it belong to you? Yet federal law requires you to pay $15 to get it. The fee is a gift to credit scoring companies like Fair Isaac, Choicepoint, TransUnion and Vantage. They don’t need the dough; they already collect zillions of dollars from banks, car dealerships and other lenders who buy your score to make sure they’re charging you …

Aug 15 2017

Why You Should Avoid a Credit Card Cash Advance #virtual #credit #card

#cash advance credit card # Why You Should Avoid a Credit Card Cash Advance Continue Reading Below Why Credit Card Cash Advances Are So Expensive When you take out a cash advance, you re charged a cash advance fee  that’s either a minimum flat rate or a percentage of the amount of the cash advance. These fees typically range from 2% to 5% of the cash advance amount. That means if you have a cash advance of $500, you’ll pay a cash advance fee between $10 and $25. In addition to the cash advance fee, you ll also be charged an ATM fee, between …

Aug 15 2017

5 Credit Cards You Should Never Close #credit #report #credit #score

#card credit # 5 Credit Cards You Should Never Close By LaToya Irby. Credit/Debt Management Expert Welcome to About.com s Credit/Debt Management site, led by your guide, LaToya Irby. LaToya has been the credit and debt management guide since 2007. Read more Many consumers close credit cards after becoming what seems like too delinquent to catch up, because they re upset with the credit card issuer, or because they simply don t want the credit card anymore. It s important to know that closing a credit card won t make delinquencies go away and in some cases, closing a card could …

Aug 6 2017

Which Credit Card should I Get? #credit #cards #for #people #with #no #credit

#what credit card should i get #Which Credit Card should I Get?

Aug 4 2017

Should I Apply for a Mortgage Modification Before or After Divorce? #when #should #i #apply #for #a #mortgage

# Should I Apply for a Mortgage Modification Before or After Divorce? Getting a mortgage modification while you re going through a divorce can be tricky. You ll need to get your timing right and make sure all your ducks are in a row. Read on to learn more about mortgage modifications and how divorce affects your mortgage loan. And then find out when it s best to apply for a mortgage modification if you re going through a divorce. Understanding Mortgage Modifications A modification is a change to your existing mortgage loan to make your monthly payment more affordable. …

Aug 2 2017

When Should You Check Your Child – s Credit Reports? #check #my #credit #score #for #free

#check credit for free # When Should You Check Your Child s Credit Reports? Parents have plenty of reasons to worry about how their kids will handle money and credit. How can you get them to save? Will they get a good job when they are on their own? Will they pay their bills on time? How much debt will they rack up if they go to college? Now add one more thing to the list: child identity theft. One in 40 households with children under age 18 had at least one child whose personal information was compromised by identity …

Jul 30 2017

What You Should Know About Free Credit Scores #consumer #credit #report

#what is my credit score free # There’s No Reason To Pay For Your Credit Score Anymore Flickr/Courtney Carmody Forget for a minute all the complicated math that goes into computing your credit scores. People are sometimes lucky if they even know where to find them. For some reason, the geniuses of credit reporting decided it’d be a good idea to offer the physical report for free once a year and dangle the actual score itself in front of us like a juicy carrot. If you want to find out your actual credit score  you usually have to pay and …

Jul 26 2017

Should I Call if I Don – t Get Instant Credit Card Approval? The Points Guy #federal #credit #union

#instant credit card approval # Should I Call if I Don t Get Instant Credit Card Approval? This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. For an explanation of our Advertising Policy, visit this page . TPG reader Brian asked me on Facebook: If my online credit card application isn t approved instantly, is there any benefit to calling the reconsideration line right away rather than waiting until I receive a yes or no decision? Would it be better to wait and then call …