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Lakaw is a journey is a step is a move. I love to travel around the world and this is my travel and travel gadget site. Welcome and Enjoy!

0 comments | Friday, May 16, 2008

I accompanied a friend to Wells Fargo bank today to open a new account. She has an existing account at First Bank and Trust (Brookings, South Dakota Branch) but, unfortunately, the bank rejected my friend's application for a credit card. I told her to get an account at Wells Fargo.

Owning a credit card in the United States is a requirement. I remember being rejected for a new phone application because I didn't have a credit history, being new to the U.S. soil at that time.

Establishments look into your credit history to see whether you are indeed capable of paying whatever monthly payment due to you. If you are all the time at fault in your credit card payment, most likely, your application for loans (house, cars, etc.), or even for a phone, would be rejected. Proper credit history backs your application approval. Bad credit means a bad financial status for you!

I am now starting to build a good history standing. Hopefully, when I get into big dealings sooner, companies/businesses would trust my financial records.

Do you want to know what type of credit card is useful for you? You should visit Credit Cards Club. They have the different credit cards grouped in categories, such as interest rates, business, prepaid as so on.


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