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6 Ideal Times to Apply for Credit Cards

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Credit Cards

6 Ideal Times to Apply for Credit Cards

 

For most of the things to work out, timing is the key. That’s true for credit cards as well. Applying for a credit card at the right time will ensure maximum rewards. Sometimes limited-time bonus may tempt a customer to apply for a credit card, but that doesn’t mean that is the correct time for them to apply for a credit card.

Prior to applying for a new card, one must think about why they need a new card? Is it to take benefit of a financial offer or the temptation of promised rewards by spending a particular amount of money within a time frame. All these bonuses are great, but the cardholder must be able to fully pay off the card at the end of the billing cycle. Apart from the added joining bonuses, one must also consider the purpose for which this particular card will be used. That can help in choosing the correct type of card out there.

Whether it is the first credit card or fifth, one must always be patient and make a thoughtful decision. The right time to apply for credit cards varies from individual to individual. To help customers decide whether this is the correct time for them to apply for a credit card, here is a list of 6 ideal scenarios where applying for a card is a sensible thing to do.

  1. When you Turn 18

When it comes to building financial credit, the best time to start is as soon as possible and 18 is the minimum age to apply for a credit card. Financial experts suggest young people to start building credit early, it also helps them in applying for a bigger loan in the future. For students out there, a College student credit card is a suitable option. Some of the banks have additional perks and incentives for students.

 

  1. Build or Rebuild Credit  Card

If an individual has less than perfect credit score, getting a secured credit can help rebuild the credit score. These cards are geared for people with less than stellar credit scores and provide much better qualifying chances than a general card would. With secured credit cards, the deposit can be paid upfront as collateral. The cardholder would need to pay monthly card bills, but having a deposit on hand in case things don’t go well reduces the lender’s risk. But these cards tend to have smaller credit limits with more fees, so its important to research your options before applying for any card hastily.

  1. When you Plan on making a Big Ticket Purchase

Whether it is the much-awaited family vacation or some minor house repairs, a credit card offering the right kind of perks can be beneficial in reducing the cost or help save up on the dreaded interest. Some banks offer various perks on interest rates in the initial 1 year of the purchase or sign-up bonuses. Making a huge purchase will enable the cardholder to become eligible for claiming the bonus. Ensure that the bonus received is non-taxable. However, these additional perks aren’t available to everyone, having a strong credit score plays a crucial role.

 

  1. To Get Out of Debt

An individual with huge high-interest credit debt can opt for a balance transfer offer. This enables the cardholder to transfer the high-interest debt to balance transfer credit card with no interest for the introductory period. This allows the cardholder to quickly pay off the debt since the full payment goes towards repaying the principal amount and not the interest. The only drawback here is that this card comes with a transfer fee of 3% – 5%. So, be wise in deciding to take up the transfer offer and make ensure that it is worthwhile.

  1. Good Welcome Bonus

Credit card companies often offer a limited-time bonus or some exclusive bonus coupled with the basic rewards in the first few months of opening the account. But the catch here is to spend a predecided amount of money to become eligible for such bonuses. This will be a great option if someone is looking to make a huge purchase in the near future. Customers should be thoughtful before making any decision rather than getting enticed with the offered bonuses. The credit card should be a good fit for the holder if they can easily afford the spending requirements.

 

  1. You’ve Been Preapproved credit card

Many financial institutions offer a pre-qualification form that lets an individual gauge their chances of qualifying. Applying for multiple credit cards can be detrimental for credit score but applying for the pre-qualification form does not impact the credit score. It helps in narrowing the pool of credit card providers and chose the best one. While applying for a regular credit card, the bank has the authority to look at credit history which impacts the credit score. Although, pre-qualifying doesn’t guarantee approval of credit card, post this the bank will do a thorough credit check and make a final decision.

Credit Cards

The financial decision to apply for a credit card is an important one just like buying a car or a house. You don’t buy the first car or house you come across, then why do it with your credit cards. Make a wise choice that suits you now and years to come.

 

 

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BUSINESS

Best Sites To Buy TikTok Followers, Likes, and Views 2021 (Real and Active)

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Best Sites To Buy TiKtok Followers, Likes and Views 2021 (Real and Active)

Tiktok is the Most Popular Social Media Video platform for the youngest people, and there is a massive opportunity to grow your Tiktok profile to Established as a Celebrity. Some TikTok users want to buy legit Followers, likes, Views to Increase social popularity. They are searching the best sites to Buy TikTok Followers services for a Free trial. Here we describe the Best places to buy Cheap Tiktok followers, likes, and Views Instantly By PayPal 2021.

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BUSINESS

6 Ways to Manage and Automate Your Accounts Payable

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6 Ways to Manage and Automate Your Accounts Payable

From providing timely payment approvals to policy compliance assurance, accounts payable includes this and a lot more. There comes a saturation point where it becomes tedious for organizations to process these tasks manually. Lack of control over accounts payable can leave a business with insufficient cash and poor liquidity.

To overcome these issues, you can invest in an automated accounts payable system that increases the productivity of your business. In this article, we’ll discuss how to best control your accounts payable, but before that, let’s understand the difference between manual and automated accounts payable.

Manual Accounts Payable

Manual management of accounts payable is prone to error and time-consuming. The system can overload with an increase in volume, leading to invoice matching errors, compliance issues, or month-end accounts closure errors.

But how does it work? Well, to begin with, the finance department receives the invoice for any goods or services. Upon verification and confirmation, the invoice is approved by the payment department. The next step includes manual typing of all the invoices into the accounting file long with a physical copy. The payment is processed after the completion of the above steps.

Since everything is done manually, there’s a chance of error, which can further delay the payment process. If a manual error occurs in any of the above-mentioned processes, there can be a huge delay in the payment process and it can harm the relationship between vendor and buyer.

Automated Accounts Payable

If you are looking for a process that is time-saving, cheaper, accurate, and efficient, think automated accounts payable. The automated system automates invoice matching, minimizes the payment cycle, manages the financial policies, controls the payment approvals, and stores the data safely. Plus, the entire process is paperless, which is good for the environment too.

The process? Once the system receives the invoice, a check begins for each item and purchase order to eliminates any error. The system can also set up automated emails for pending approval, delayed payment, and more.

6 Ways to Manage and Automate Your Accounts Payable

  1. Avoid ErrorsAccounts payable automation reduces the error during money transfers and avoids theft. For instance, the one-time setup of recurring payments requires more than one person to authorize a payment, email, or other notification.
  • Repetitive Tasks Automation – Accounts payable includes repetitive tasks like purchase approval and invoice payments, which are tedious and time-consuming. Automation allows you to set up email alerts for invoice matching, pending approval, payment processing, etc. It increases productivity and gives your employees enough time to focus on more crucial tasks.
  • Ease of Communication – The automated system includes a vendor portal that allows your vendor to send in and track the quote rather than sending overlooked emails. It enhances the communication between the vendor and purchasing team and helps receive automated payments.
  • Audit Tracks – Once the purchase orders are processed, the system generates complete transaction details, where everything is recorded precisely. The system offers easy access to complete accounts and spending records.
  • Automatic Settlements – A purchase order established via an automated system, delivery of the products, and payments – all of these can easily be mapped against the invoice received.
  • Business Payment Automation – A transaction ID is generated when payment is processed, and the accounts payable software track the invoice for real-time matching.

AP automation boosts productivity, streamlines processes, manages the budget spend, enhances communication, accelerates invoice processing, and reduces overall risks. The tool is fast, seamless, and a great investment for businesses in the long run.

Have you thought of integrating AP automation into your business? Tell us in the comments below.

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BUSINESS

Finding Waterproofing Contractors in Your Area

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Finding Waterproofing Contractors in Your Area

In our daily life, we find a lot of ways on how contractors to waterproof the basement. It can be found in many ways like applying paint on the basement walls and also fixings of the basement foundation. It can also be found in fixing the leaks in the basement.

Some contractors use high tech tools for waterproofing. This is done to prevent further leaks in the future. High tech tools are used in waterproofing the basement. One example is Buck knives.

1.   Hire Reliable Company and Contractors:

A reliable company will provide the waterproofing service in Colorado. They have competent and skilled workers that can perform basement waterproofing. In this service, basement waterproofing is provided by licensed and professional contractors. Although there are many ways to waterproof your basement. Choosing contractors to waterproof your basement is the best solution to solve the water leakage problem in the basement.

2.   Check the Credentials of the Company:

If you want to hire basement waterproof contractors Colorado, you should know their credentials. So, you could make sure that they are certified and expert in waterproofing. Some contractors may have a license while some may not have one. You can also check their affiliations or membership in certain plumbing associations.

3.   Ask for Recommendations:

One way to identify good basement waterproof contractors is to ask your friends and neighbors about their recommendation. Most people would love to help you if they have experienced contractors to waterproof the basement of their house. Another way is to search on the internet. Many websites provide useful information about basement waterproofing contractors. You can even read reviews on different contractors and their services.

4.   Consider Important Factors:

However, before hiring basement waterproof contractors, you should also consider some factors. You should identify the basic things you need to waterproof the basement. Identify the type of work and materials needed for the job. Find out the cost of the services and compare them with other companies. Do not forget to check if they are offering free estimates. A reliable and trustworthy company would offer free estimates to its prospective customers.

5.   Materials and Tools:

If you need certain materials or tools, do not hesitate to ask your contractor about them. They should be able to provide you with waterproofing products that are durable, affordable and safe to use. Ask them to provide you with advice or recommendations on basement improvements and renovation. They could give you valuable advice on the matter.

6.   Choose General Contractors:

There are different types of contractors to help you with waterproofing your basement. You can choose from general contractors to special contractors. General contractors are those who handle works like repairing leakages and cleaning up. They do not specialize in waterproofing. Special contractors, on the other hand, are experts who can handle projects that involve complicated waterproofing procedures.

7.   Specialized in Their Field:

There are also basement waterproofing contractors that specialize in basement wall treatments. Such as crack repair, caulk filling, and sump pump lining. Some of them even offer services such as basement mold removal, asbestos removal, and concrete drying. There are also basement waterproofing services that provide insulation services to homeowners. These professionals use special equipment to make sure that your basement is properly insulated.

8.   Sound Proof Insulation Materials:

You can also find contractors that waterproof the basement by installing soundproofing insulation materials. Soundproofing makes sure that basement activities are not disrupted due to the presence of sound. Some contractors are also licensed to install and repair cable insulation. These contractors can easily handle any works related to cable insulation.

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