Details » Cash Advance Lenders - Get Approved Every Time
- Url: http://advancelenders.informe.com/
- Category: Online Communities
- Description: On-line payday loan lenders have been utilized more than ever in recent times. As a result of the new laws that have been passed lately many cash loan providers have utilized the on the net market to reach a very greater number of customers.
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- Created On: Nov 15, 2010
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Bank on itWith all the hullabaloo rtenecly with too big to fail and people occupying various locales, many folks have started taking a look at who they let hang on to and invest their money. Traditionally, unless you are like my grandmother and hide money in various odd locations throughout your house, you probably keep your . Recently, however, have been surging in popularity. So what exactly is the difference between a bank and a credit union? Well, both hold on to your money for you and offer you easy access to it, but they do differ in some key ways let's take a look.Credit where credit is dueI'm not going to argue one way or another for which is better, that's entirely up to you and your banking needs. What I will do is compare and contrast these two types of financial institution, so you can make your own decision. With that said, here we go.BanksCan be nationwide, even worldwideOperate on a for-profit business modelTypically owned by private investorsGoverned by a board of directors chosen by stockholdersOffer business as well as consumer accountsCredit unionsTend to be regionalOperate as a non-profit financial cooperativeOwned by their members, i.e. their account holdersGoverned by a board of directors chosen by the membersStrongly consumer orientedBecause credit unions don't need to turn a profit, any interest they earn by investing your deposits is returned to you in the form of a member dividend. They also tend to have lower fees and on savings and checking accounts.Banks have their advantages, too. If you frequently travel or work outside of your home region and require physical access to your financial institution, a nationwide bank might be a better option. Yes, you can withdraw money anywhere, from any ATM with a credit union, but if you need to make a deposit when the nearest one is 500 miles away, this may present a difficulty.The payoffObviously, your particular needs will determine which type of financial institution suits your needs the best. Don't just automatically assume that one is correct for you based on what I've written here go and do your research. Find out what banks and credit unions are popular in your area, and talk to people about what they like and don't like about them. When it comes to money, the best decision is an informed decision.GD Star Ratingloading...
All credit card coimpnaes will pull your credit report when you apply for a card. Also, due to new credit card legislation, you must be 21 to apply for a credit card unless you have an immediate family member co-sign the application OR you are between the ages of 18 and 21 and have proof of sufficient income to meet credit obligations.If you have a credit union in your area, stop by and ask about their secured credit cards. These cards are excellent ways to establish credit.This is how they work.Say you want a $500 credit limit. You will need to deposit $500 into a savings account to back the credit card. Note, this is NOT funding for the card. It is a guarantor savings account that will only be touched in the event your payment is late or you default on the card (both very bad ideas).The CU issues you a credit card for $500. You use it, just like a regular credit card, making timely payments (to better increase your credit score, never go over 30% of your credit limit at any time).In the meantime, the credit union is reporting your good payment history to the credit bureaus, establishing and raising your credit score. With responsible use, most credit unions will elect to convert your secured card to an unsecured card with a higher credit limit after a year or two. As a bonus, you will still have that money in savings to back your secured card and it will have earned some interest.The reason I recommend credit unions over banks is because more credit unions offer these cards than banks and second, credit unions won't charge annual membership fees or other bogus fees that banks love to charge, and in all cases, the APR for the card will be lower than secured cards from banks. Was this answer helpful?
Taking the ovrveiew, this post is first class