Getting Online Credit Card Approval

With the advent of the Internet, the way we run our businesses has changed dramatically. It has made the world spin faster and no one wants to wait for anything anymore than few seconds to few minutes. Waiting for 300 seconds too long and it is frustrating. The credit card industry tries to exploit this growing weakness of the society to market its products. They try to attract customers through instant online credit cards and online credit card approval schemes.

How does online credit card approval system work?

Once you fill your application online for your choice of credit card your credit details will be verified by the system; if you have your credit history anywhere between good and excellent then you are certain to get your credit card application approved and you will be notified of your status through email. In case of poor credit, your application will be declined and this too will be notified of the status of the application.

Is it safe to apply online?

You have to be careful while you apply for online credit cards; stories on online credit card scams never cease. Try to identify reputable credit card companies before you apply for your credit card. If you suspect that the application is requesting unnecessary information then be warned and try to check on other online application forms to see whether they request similar information. Secondly, be cautious of the terms and conditions; double check everything before you submit the details. Many online credit card approval schemes demand security deposits. The range of security deposits vary from $200 to $600.

Is online credit card approval really useful?

The answer would be yes and no. It is useful because you know the status of your application for the credit card instantly, you will know whether your application has been approved or not. You save yourself from the painful period of waiting and also the frustration when your application happens to be declined. It is lot more helpful to be updated of the status even if it is going to be declined so that you can start checking out for other options.

Besides that, online credit card applications to a great extent seem not to worry about the credit history. There are people who have got their application approved even without a good credit history. However, we are not sure whether those are some exceptional cases or whether that is the general trend with online credit card applications. For some strange reasons there are also people with good credit history whose applications have been declined. This can be due to various possible reasons including the inability of the system to access the credit history of the applicant at the time of the application submission.

Even though your application gets approved instantly you have to wait for your credit card to reach you through mail before you can start using it. This is yet another marketing gimmick from the credit card industry.

The 10 Best Careers — By Starting Salary, Best Benefits, Job Satisfaction & More

Whether you’re a soon-to-be college grad or a seasoned veteran, knowing the “bests” and the “worsts” of the career world will give you a leg up in deciding where to start out, where to stay or where to move on to.

10 Best Starting Salaries

  1. Software design & development $53,729
  2. Consulting $49,781
  3. Design/construction engineering $47,058
  4. Financial/treasury analysis $45,596
  5. Accounting (private) $44,564
  6. Accounting (public) $41,039
  7. Registered nurse $38,775
  8. Sales $37,130
  9. Management trainee $35,811
  10. Teaching $29,733

10 Best Companies to Work For

(Based on employees’ responses to the “Great Place to Work Trust Index,” a proprietary employee survey developed by the Great Place to Work Institute.)

  1. Wegmans Food Markets
  2. W. L. Gore
  3. Republic Bancorp
  4. Genentech
  5. Xilinx
  6. J. M. Smucker
  7. S. C. Johnson & Son
  8. Griffin Hospital
  9. Alston & Bird
  10. Vision Service Place

10 Most Satisfying Jobs

(Based 35 percent on potential for job growth, 35 percent on salary growth potential, 20 percent on how many in the field hold a college degree, and 10 percent on freedom to be innovative and creative.)

  1. Personal finance adviser
  2. Medical scientist
  3. Computer software engineer
  4. Chiropractor
  5. Environmental engineer
  6. Biochemist and biophysicist
  7. Sales manager
  8. Epidemiologist
  9. Computer system analyst
  10. Athlete

10 Fastest Growing Fields

(These will add the largest percentage of positions through 2012.)

  1. Network systems & communications analysts 57.0%
  2. Physician assistants 48.9%
  3. Software engineers 45.5%
  4. Physical therapist assistants 44.6%
  5. Fitness trainers 44.5%
  6. Database administrators 44.2%
  7. Dental hygienists 43.1%
  8. Hazardous material removal workers 43.1%
  9. Computer systems analysts 39.4%
  10. Environmental engineers 38.2%

10 Hottest Jobs

(These will have the most net gains through 2012 (in thousands)).

  1. Teachers (K-12) 724,000
  2. Registered nurses 623,000
  3. Post-secondary teachers 603,000
  4. Customer service reps 458,000
  5. Computer support 420,000
  6. General operations managers 376,000
  7. Sales representatives 356,000
  8. Truck drivers 337,000
  9. Software engineers 307,000
  10. Accountants and auditors 205,000

10 Companies With the Best Benefits

(Based on retirement plans, strong medical coverage, premium subsidies by employers, disability options, group life insurance, accidental death and dismemberment coverage, medical and retirement packages for part-time employees, and effective communication methods to enable workers to capitalize on those benefits.)

  1. Flexible Steel Lacing Company, Downers Grove, IL
  2. American Council of Life Insurers, Washington, D.C.
  3. American Lung Association, New York, NY
  4. GuideOne Insurance, West Des Moines, LA
  5. Campus USA Credit Union, Gainesville, FL
  6. The Washington Trust Company, Westerly, RI
  7. Southwest Power Pool, Inc., Little Rock, AR
  8. Glatfelter Insurance Group, York, PA
  9. Moran Towing Corporation, New Canaan, CT
  10. Fremont Co-operative Produce Company, Fremont, MI

10 Most Dangerous Jobs

(Based on fatality rate.)

  1. Logging workers
  2. Aircraft pilots
  3. Fishers and fishing workers
  4. Structural iron and steel workers
  5. Refuse and recyclable material collectors
  6. Farmers and ranchers
  7. Roofers
  8. Electrical power line installers/repairers
  9. Driver/sales workers and truck drivers
  10. Taxi drivers and chauffeurs

How To Get The Best Rates On Life Insurance In Indiana

In Indiana, on average 4,000 people die each year from lung cancer. This statistic alone is evidence of the need for an individual to have life insurance. Even if someone is healthy now, that can change very quickly and without adequate coverage in place, those they support may be faced with dire financial consequences following their death.

When you are looking for the best rates on life insurance in Indiana, you need to keep a few things in mind:

oYour physical health. If you smoke, if you are overweight or if you have high blood pressure you will often pay more for life insurance than someone who is considered healthier. For this reason it’s wise to give up any unhealthy habits and get in better shape. Try and attain and maintain a healthy body weight by eating properly and exercising on a regular basis.

oDon’t buy more insurance than you need. If you don’t have children, and you are renting a home, you likely don’t need as high a level of coverage as someone with a family and a mortgage. Consider changing your insurance coverage if your personal situation changes, until then buy only what you realistically need.

oChoose a policy that requires a medical exam. Even if you aren’t in tip top shape you should opt for a policy that requires you to undergo a medical examination. The reason is simple and it’s because no-medical exam policies generally cost considerably more than those that insist on a medical.

If you have a life insurance policy in place that is part of a benefit package with your employer you may think that’s all the coverage you need. Consider what it would cost to replace your lost earnings should you die unexpectedly. If your work coverage isn’t adequate, you can supplement it with another policy that will cover any shortcomings. This approach is great as it allows you to purchase only the additional coverage you need so it’s likely to be at an affordable rate.