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Regain Control Over Your Finances
Credit Card Tips, Suggestions & Reviews

· Finance

You are not the only one to have lost your job. Your best friend was a laid off last week and your neighbor is currently struggling with credit card debts all over again after coming out of them last year.

At this moment in your life, you could really use some credit card tips after losing your job. We will also cover a few opinions and testimonials regarding 3 of the most popular credit cards in the market, namely, Total Visa Credit Card, the Assent Platinum Credit Card, and the First Progress Platinum MasterCard Credit Card.

Have You Considered Consolidating Your Existing Debts?
You should be able to find a wide variety of debt consolidation programs with a reputable bank / financial institution. Your banking agent/ finance manager or advisor should be able to recommend you the programs that you can apply for. All your mortgages, credit cards and personal loans are easily going to turn into a threat for your personal finances if you do not enroll yourself in a suitable program today.

Taking your loans and managing all your expenses with the help of easily payment management options is the only way to stay afloat after you have lost your job. Thinking about managing your credit card score and getting your life back on track? Let us have a look at a few opinions and reviews of the three popular credit cards that can help you do that.

A Review Of The Total Visa Credit Card

  • This credit card does not require you to pay any security deposit.
  • You will get a credit limit of $300 without having to provide the bank with any collateral.
  • It is going to report to the three major credit bureaus which are Equifax, Experian and TransUnion. So, that burden is lifted off your chest.
  • The annual fee is a bit expensive being $75 for the first year and $45 every year after that which means that your initial available credit limit is going to be $225.
  • There is a fee for increasing your credit limit as well. If you want your credit limit to increase by $100, the fee will be $20.
  • There is also a copying fee, a late payment fee and a returned payment fee in addition to a monthly servicing fee and a program fee.

Assent Platinum Credit Card Review

  • There is a 0% annual percentage rate to this credit card which makes it a fantastic option for you.
  • It is perfect for building a great credit score because there is regular reporting to Equifax, Experian and TransUnion.
  • The security deposit is refundable with the minimum limit being only $200. The maximum amount is $2,000 in case you are wondering.

The First Progress Platinum MasterCard Reviews

  • The first thing about this credit card that will hit you hard is that you have to have a qualifying bank account to begin with. Without that you cannot apply for this credit card.
  • Residents of certain states such as Iowa, New York, Wisconsin and Arkansas do not qualify for this credit card at all. This means that this credit card is just not available to these people.
  • A big upside to applying for this credit card is that it is not going to affect your credit score at all. Applying for the First Progress Secured MasterCard credit card is not going to result in a credit inquiry which means that this financial instrument is ideal for people who have extremely low credit scores.

Credit card options are aplenty in the market. The only thing that is going to bring your finances back on track is how you choose to use them. Be cautious with your decisions and you will be able to jump back sooner than you think.