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Bad Credit Credit Cards – What They Can Do For You

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Bad Credit Credit Cards – What They Can Do For You

Many of us have been there and if you ask how it happened, some people don’t know. We said yes to a purchase when we should have said no. We broke every rule that our parents taught us including the golden financial rule: Don’t spend it if you don’t have it. Fortunately, even if our credit is in shambles, there are ways to help us rebuild it.

You may be somebody who knows how to manage money. You have never made an impulse purchase and the idea of buying something not on sale is foreign to you. You had a savings account and your financial health was strong but then something happened in your life that was unexpected. Your savings was wiped out and now you find yourself in financial trouble.

While repairing your damaged score with a new credit card seems odd, these offers do have some tools to help you. First, all of they will report your positive payment history to the three major reporting agencies. Next, many offer educational articles, podcasts, and seminars to teach you how to better manage your finances.

These cards come in numerous varieties. Some are secured, which means that the money contained in a savings account that you set up is your available balance. Others are unsecured which is the traditional method where money is extended to you on the promise you will make payments.

There are some drawbacks, often the interest rate and fees are quite high. It’s not uncommon to pay more than $ 250 in fees just to apply and be approved. The limit is low. Most cards start at $ 500 or less and once the application fees are subtracted, you may only have slightly over $ 250 to left to use.

There are some that truly help those who are trying to rebuild. By offering a reduced APR, less fees, and a liberal payment policy, these can even further help those trying to dig out of financial hardship.

To find the right one for you, do some comparison shopping. Depending on your situation a prepaid offer may be the way to go, some now report to major bureaus.

For more about Bad Credit Credit Cards or for a review of the unsecured Imagine MasterCard visit us.

Getting a Green Card Visa

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Getting a Green Card Visa

 

The United States of America requires a person entering the United States for an extended period of time to obtain a visa. If an individual plans to stay permanently in the country they must apply for and be approved for a green card. Choosing to become a United States citizen will take another step beyond obtaining a green card, and include an application process and a test. In order to obtain a Green Card Visa there are regulations and guidelines an individual must meet.

Green Card Visa Application

A green card is what proves that a person has obtained lawful resident status within the United States. In order to obtain a green card visa a person will need to go through an application process and there are several ways that a person may qualify. These include employment, marriage, investment, adoption, and through a relative. It is important to read through the descriptions of each application process to determine which will be the best suitable process for your current situation. If you currently have a work visa, obtaining a green card visa through employment status will probably be the best option, even if you qualify under another type of application.

EB5 Visa Program

Individuals who are willing to invest in the United States will have the option to apply for a green card visa under the Eb5 Visa Program. This Immigrant Investor Visa offers a person a way to gain a green card by creating jobs in the United States. The minimum investment amount for this program is $ 500,000. There are several requirements that must be met with this investment, including the creation of at least ten United States jobs. The areas where the investments must be made are also restricted to those areas that have the highest unemployment rates in the nation. Taking this route to obtain a green card can be one of the best ways for a person to gain unrestricted privileges in the country.

Other Types of Visas

There are several visa programs offered by the United States that allow people the right to stay in the country for an extended amount of time. A business visa will allow an individual to visit the country for business purposes that do not involve receiving any type of payment. A tourist visa allows a person to visit the United States for leisure purposes. Any individual who wishes to obtain an education in the country will apply for a student visa. This is required for any type of educational program that a student wishes to enroll in. There are two types of work visas that allow individuals access to the country as well.

There are different requirements for each type of visa. An individual will undergo a background check in order to gain entry into the country. Work visas can be confusing as there are several types to choose from. It is important to state what type of work that is going to be done in order to ensure the right application is chosen. Most of the time visas are obtained rather easily and can be renewed without many problems.

 

My parents came to the United States from Nicaragua. I was born a year later and automatically became an American citizen. Growing up I heard stories about how immigrants from Central America tried so hard to get into the United States to live, and I kept thinking how lucky I was, and how thankful I felt towards his parents. I felt that I needed to help more immigrants get a better life and facilitate their visa process for the United States. This is why I became an advocate and promoter of immigration and other immigration related issues throughout his life.