VISA Credit Cards Applications     Are you tired of outdated credit card offers? Do you have 3 junk-mails a day, trying to sell you high APR visa cards? Browse this directory for the freshest VISA cards offered in the US. No annual fee, Low APR VISA cards, or high credit limit visa cards are also listed here, with the newest offers on the web! We update our directory every day, so you will never be disappointed and will be back if you need to browse through the latest visa card offers. All these VISA cards offer under 60 minutes credit decision through a secure form! 0% intro apr 12 moths good credit APR:   Open a Credit Union Savings Account Call your local credit union tell them you want to open a savings account. Depending on the credit union you may need as little as $25 to open an account and between $300 to $500.00 to make this program work. If you don’t have enough cash yet, don’t wait. Open your account with the minimum requirement and begin to deposit as often as you can. Most credit unions require a small amount ($5-$25) to remain untouched to keep the account active. The remainder will be used for this program.2. Take out a Loan Secured by Your Savings Once your account is open and has the minimum available, take out a Secured Share Loan. This loan will be secured by your savings, and usually has a very low rate (avg 4-6%.) In most cases you can choose any repayment terms you like0% intro apr 12 moths good credit . If you plan to buy a home within the next 90 days, choose a 12 month repayment. Why? Once you have 10 months or less left, most lenders will not count the payment against your debt load! Also, request that the repayment to begin right away so there is no delay in building your credit!3. Deposit the Loan Funds back into Your Savings Account Don't 0% intro apr 12 moths good credit go on a shopping spree! Have the credit union deposit the loan funds directly back into the savings account. Remember, this is to build your credit, not put you in debt! Now your account will show double the amount you placed in savings... For example: $500 for your savings (the secured amount), and $500 from your loan. This may also help if you need to show a mortgage lender additional savings!4. Set up Automatic Drafts from Savings to Pay Back Loan Ask to have the monthly payments for the loan drafted from your savings account. Now you are using the loan money 12 apr 0% intro good moths credit to repay the actual loan, plus any interest. (For our $500 example, interest should cost you less than $25 a year!) Payments will be made on time and without any worry! You may need to add just enough money to cover the interest on the loan. One of the best features of this program is that if you ever need your $500 for an emergency, simply have the loan completely paid off with the remaining loan funds in the savings and your initial deposit will be released... With no additional debt!Rebuild Your Credit... Using Your Savings! Try to find a credit union that moths apr good intro 0% 12 credit reports to ALL three major credit bureaus... Equifax, Experian and TransUnion. You can use multiple credit unions if you need to... Just make sure that at least 2 bureaus get reported to or you are wasting your time. (2 scores will bring up the middle score!)Add to the mix the right credit card with a low balance and great payment history, then you will be on your way to higher scores!  Apply for 0% intro apr 12 moths good credit Visa Credit Cards Use your VISA credit card wisely Pay your VISA credit card bills on time. This is the single most important thing you can do to preserve and enhance your credit rating. Always pay at least your minimum payment and allow time for your payment to reach the company if you are using the mail. If possible, pay off your balance in full each month. If this is not possible, then make as large a payment as you can comfortably afford. Paying off or paying down your balance is a sound financial move—one that will save you money on interest charges. If you can’t pay off your balance in full, then slow down on your credit card use for the next while. Take time to step back and have a careful look at how much you earn and how much you spend each month. A little budgeting can save you big money down the road. Check your statement carefully each month. Review your statement carefully. Do all the charges look correct? Have any required credits been applied? Are there any unusual or unexpected charges? Your credit card company will correct legitimate errors, but only if you bring them to their attention in a timely manner before you pay your bill. Transfer your balance to a card with a lower interest rate. If you have two or more credit cards with outstanding balances, consider moving the outstanding balances to the card with the lowest interest rate. You will save money each month and simplify your record keeping by receiving only one bill. Negotiate for a lower rate with your credit card company. If you have a good credit history, you are a valuable asset to your credit card company. Call them and seek ways to lower your interest rate. This is often possible, but never advertised. If the interest rate you are currently paying is very high, imply you may cancel the card and go with a competitor unless they adjust your rate downward. It doesn’t hurt to ask, and you may be surprised at the results. Protect yourself against fraud While VISA credit card fraud is a problem, here are a few simple steps you can take to greatly reduce the risk of becoming a victim. Tips: Sign new VISA cards immediately. When you receive your new or replacement card in the mail, sign it, in ink, right away. If it is a replacement card, destroy the old card by cutting it into many small pieces. Shred old credit card receipts. You can purchase an inexpensive paper shredder at an office supply store. All old receipts with your credit card number and any unneeded documents with your social insurance number or other sensitive personal information should be shredded before disposal. This prevents the common practice of criminals going through the trash to find receipts and stealing your identity Never fax your VISA credit card number. Your credit card number can lie for hours in the fax basket at the other end. Anyone passing by can record your number and begin to use your card number fraudulently. It is even possible for criminals to intercept your credit card number while the fax is in transmission. Use caution when giving your credit card number out on the phone or on the Internet. Only give out your credit card number on telephone calls you initiate to business or organizations you trust. Never give your number out to callers who call unannounced, no matter how legitimate the call sounds. On the Internet, look for an Internet address that begins https:\\. The “s” indicates that it is a secure connection and a small padlock symbol should appear in the bottom right hand corner of your screen, indicating it is safe to transmit your credit card number. Call your credit card company instantly if you suspect trouble. All credit card companies have 24 hour lost and stolen help lines. If you lose your wallet or purse or have it stolen, call without delay! Much fraud happens within the first hour or two, before the victim realizes the cards are missing. Your credit card company will block your cards from being used and stop you from being responsible for any charges thieves incur.