Online Credit Card Dealings and Benefits

Applying for a credit card in the standard way usually involves submitting a set of documents to the sales agent who collects them on behalf of the credit card company you are dealing with. Although, there isn’t much trouble in this format, there is a chance that confidential information about you such as your salary slips, identification information etc. goes into the hands of people you are not sure are trustworthy.

It might lead to leakage of information, such as phone numbers inviting thousands of marketing calls or in serious scenarios, even identity theft. This is one reason why online card application process is much safer and smoother.

Online Process

The online process is very simple and involves submitting documents online. The credit card application too is via an online form, which can be done by the person applying for the card himself or herself. This is much safer as personal information is not divulged. The online application process itself is very transparent and customers can track the status, another of its benefits.

Online Payments

With the working hours of working people clashing with business hours of these card offices, telephone and electric bills etc. more and more people are resorting to online credit card payment of bills. Starting from the card itself, while some people still prefer to drop a check for the monthly payment of the outstanding balance, more and more people are resorting to online payment of these card bills.

Firstly, one can keep a screenshot or printout of the payment if they are very cautious. Secondly, online payments are always easier to track. Some people even connect the credit card balance with their checking account and the money is auto-debited from their accounts although this is not the preferred way.

Online card payments are also used for paying phone and electricity bills. In fact, many credit cards have utility features available to customers wherein they can connect to select service providers and clear their phone, internet and electricity dues.

Advantages Of Online Payments

These online payments have several advantages. Firstly, one doesn’t need to waste time commuting to and from the offices. Secondly, one doesn’t need to worry about them during office hours. Most of these credit cards allow recurring payments too for internet bills, prepaid phone bills etc. The biggest benefit of paying these bills this way is to keep track of the expenses and do all of them at the same time once a month. This also earns many rewards from the credit card offers itself, that includes cash back offers, reward points, airline miles, travel packages etc.

All in all online payments when clubbed with the advantages of credit card itself make the lives of people much simpler. It adds a good credit history to those who are regular in bill payments and more importantly brings planning and order to a person’s schedule instead of excessive wastage of time going around various offices once in a month.

The Instant Online Credit Card Formula

An instant online credit card will certainly make applying for your new card very simplistic – but it’s also very important to make sure that you don’t mix speed and simplicity with common sense and deliberation. Whilst you’ll notice a great deal of exceptional card offers at one’s disposal, with rates which are extremely competitive, it can often be dangerous to complete an online form and be approved for your card without allocating any time checking out the many contrasting offers available.

Credit card advertisements very often rely on the instant online credit card to attract potential customers quickly and easily. With financial institutions feeling the credit crunch effect at this moment in time, it is important for them to try to seduce as many potential clients as is possible. By providing an instant approval, they are usually gambling on the general public’s instinct in taking up an interesting offer as soon as it becomes available. This demonstrates what the World Wide Web is about to a greater extent – instantaneous gratification, immediate response, realtime processing and verification. We need responses, confirmation and results and we want it now. However, is now always the best way to move forward, notably where your personal finances are concerned?

You should definitely research the instant online credit card offers but keep in mind, the Internet offers you the chance to shop around and study. If you’re planning on applying for a card account then you need to ensure you study and research many of the card issuing companies. Make a note of the rates they are offering, and not just the opening interest rates either, but the ones that will kick in once the account has been in place for a while.

Don’t be coaxed into an instant online credit card relying solely on introductory rates or initial concessions, simply take the longterm view. Look closely at the overall charges over time. Always be rational – you must be capable of paying off the total balance each month. Don’t tell yourself you can cope if the truth is rather unlikely, because this will generally allow you to discard the applied rates as being largely conjectural. When you have made comparisons of a number of interesting card offers and checked their details, the longterm applied rates and the benefits to you as a consumer, then you will have a more valuable idea of exactly who represents the best deal.

Now that you are holding this useful information you will be able to take full advantage of the instant online credit card application process, by filling in your personal details online and then receiving the result almost immediately. This is automated by computer, with this system authenticating your credit history details against the info on file, which helps to red flag any areas of concern. If your credit report is good, then you may be a perfect applicant for this type of card and will doubtless be authorized by instant approval, and be told about your success almost immediately. In the majority of cases you’ll get a letter in the normal post, or receive an email and the card will arrive a little while later.

Although a large number of card issuers that provide this instant online credit card facility aim to give immediate online approval, there may be a small percentage of occasions where there are memos on the credit register which may need an associate to look closer. Don’t be dispirited and deduce that this suggests that you will be rejected. Once someone has a closer look at your information and reviews your credit report personally, you will probably find that you are either offered the card of your choice, or an alternative card at a little higher interest rate, reflecting any negative issues which the card provider may have noticed on your credit file.

Suspecting that anything aside from immediate approval suggests that your application has been declined often causes some individuals to go off and fill in an application with another card company. This is a big mistake because by making multiple applications within a short time, your credit file will record all searches and applications, and this will impact negatively against you. By completing duplicate applications in quick succession one after another, you may find that your are declined entirely for your instant online credit card.

The Positives and Negatives of Online Credit Card Use

Using your credit card online may be the epitome of convenience. Using a credit card online combines commerce and technology.

When the Internet started growing in popularity, barriers between knowledge and communication were broken. The Internet also brought around the existence of shops – e-shops or virtual shops – that only existed on the Internet. You could go to these shops by using an online credit card. Once the payment was approved, the products were delivered to you. This was convenience at its best.

Using your credit card online may be the epitome of convenience. Using a credit card online combines commerce and technology.

When the Internet started growing in popularity, barriers between knowledge and communication were broken. The Internet also brought around the existence of shops – e-shops or virtual shops – that only existed on the Internet. You could go to these shops by using an online credit card. Once the payment was approved, the products were delivered to you. This was convenience at its best.

Online credit card use is becoming more and more popular as more virtual shops appear every day online. The possibility of taking credit card payments online has given a new meaning to shopping. You can now shop not only from the comfort of your home and pajamas, but you also can get discounts. There is no longer any need to worry about the weather, traffic jams, or any other thing that would deter you from shopping. Now, you just have to go to a virtual shop, select the item you want, and use their online credit card payment provider to pay. Before you know it, your order comes to your door.

Accepting online credit card payments through a processing facility also means that it’s become easier for someone to start a business online. Anyone can do this, but they don’t necessarily have to have credentials or even be a legitimate business. You should be cautious about using businesses online that are unfamiliar to you or your friends.

Taking online payments does have its challenges, however. One of the downfalls of using credit cards online is the possibility of credit card fraud. This fraud can happen in two different ways. The first involves the company on whose website you are making the payment. The company could be fraudulent by taking the payment but not delivering the products. The company also could use the details that you provide about your credit card for fraudulent activities.

Another type of fraud happens when criminals use different types of software and devices to steal the details of credit card payments as you put them in the website’s payment form. This software typically is known as spyware and the criminals installing it are spies. Spyware works by capturing your typing and taking pictures of whatever you do online. The spyware then passes the information on to the criminal. There are different programs that you can use to counteract the spyware and protect your computer and your information.

Although using credit cards online can be more convenient for everyone, it doesn’t come without faults and challenges. You must use caution when you are making credit card payments online. You shouldn’t access your bank accounts or make online payments from any unsecured network, for example. You also should be wary of making such payments while shopping in Internet cafes.

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