Instant Approval Credit Cards: Instant Credit for Today's Consumer

Instant Approval Credit Cards: Instant Credit for Today's Consumer
Customers shopping for a new credit card can avoid waiting
long weeks to learn whether or not they have been approved.
Instant approval credit cards provide applicants with a
fast online response. Online credit card websites offer a
variety of instant approval credit cards, allowing
customers to choose the card that best fits their financial
needs.

How "Instant" are Instant Approval Credit Cards

The "Instant" in instant approval credit cards refers to
the minimal waiting period involved. After customers fill
out an application online, a reply is sent to their e-mail
account within minutes. In some cases, the process may only
take seconds.

While the application response time is quick, other steps
in the process are not instantaneous. Customers will first
want to carefully search for the right credit card. Like
most credit cards, instant approval credit cards come in a
variety of forms. Some offer a 0% interest rate for the
first six to twelve months. Others include cash back
bonuses, travel benefits, or rewards programs. Cards with
no annual fees are also available. A list of instant
approval credit card offers can be found on most credit
card websites.

Before applying, it is important to understand the fine
print involved. Customers should read through the credit
card's term and conditions. Many companies include charges
for late fees. Others have interest rates that are subject
to change. By reading through the card's detailed
information, customers will be aware of any included
charges.

The Application Process

When filling out an application, customers will be asked
for basic personal information. This may include levels of
income, housing status and employment details. Certain
credit cards require additional information. When the
application is sent in, the applicant's credit report is
quickly reviewed. Customers with good to excellent credit
have the highest chance of being approved.

Once the application has been approved, the card itself is
sent through the mail system. On average, this takes from
five to seven business days. When the card arrives, the
customer may be asked to call a toll-free number to
authorize use of the card. Once this is done, customers are
free to use the credit card for purchases.

How Secure are Instant Approval Credit Cards

In some ways, filling out an application online is more
secure than sending it in through the mail system. Personal
information is sent directly to the appropriate source.
Credit card companies and websites take extra measures to
ensure security. Most issuers implement the latest data
encryption for security purposes.

Before filling out an online application, customers should
check the site for safety features. A small padlock and
explanation of security terms may be listed. If anything
looks questionable, customers are encouraged to investigate
further before proceeding with the application process.

When to Apply

With the ease of the Internet, applications can be sent in
any time. After careful research, customers can choose the
best instant approval credit card for their needs. Once the
application is sent in, the response will quickly follow.

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To View Instant Approval Credit Cards click the following
link:
http://www.credit-card-surplus.com/instantapproval.php . Ed
Vegliante runs http://www.credit-card-surplus.com , a
directory helping consumers to compare and apply for credit
cards.

Secrets to Stop Foreclosure (Part 2)

Secrets to Stop Foreclosure (Part 2)
This is Part 2 of my article on the "Secrets to Stop
Foreclosure." In Part 1, I discussed the secrets of how to
communicate with your lender and how to find the
appropriate person at the lender's office. In this
article, I'll discuss the secrets of finding someone with
authority at your lender's office, getting your files
organized, and learning to understand the foreclosure clock.

A. Find Someone With Authority to Stop the Foreclosure

As you develop a strategy to stop your foreclosure, the
secret is to be in close contact with someone at your
lender's office who has authority to stop the foreclosure.
Don't waste your time negotiating with a lower-level
collection person who has little interest in your hardship
or the reasons you are not making the monthly payments.
All he wants to know is when you are going to pay. The
secret here is that collection personnel have no authority
to negotiate with you or stop your foreclosure. You need
to find someone with authority. Here is another secret.
If a collection person calls, politely say goodbye and hang
up. Then call the main office of your lender. Ask for the
names of the branch manager and the senior loan officer.
When you get the information, thank the person you're spoke
to, and hang up again. Wait one hour, call back and ask
for the branch manager or senior loan officer specifically
by name. Once you are connected, request an appointment.
If you can't get through and no one returns your call, send
a letter. Be sure you send a copy to the president of your
lender. Wait several days and call again. Sooner or
later, you'll reach someone with authority. This is the
person you will want to meet with.

B. Get Organized

It is important to gather together all the documents that
relate to your property and your loan. In a typical real
estate transaction, you signed a purchase contract, escrow
instructions, a promissory note, and either a mortgage or
deed of trust. Organize and review as many of these
documents as you can in order to understand how the
foreclosure process applies to you. Here's what you should
get:

• Copies of the promissory note, mortgage or deed of trust,

• Copies of all documents and letters in your escrow file
(contact the escrow company or title company that handled
the purchase of your property to get copies).

• A "property profile" which contains information on all
documents recorded against your property. You can obtain a
free copy of a property profile from the title insurance
company that originally insured your purchase of the
property. Also ask the company for copies of all documents
recorded against your property in the county recorder's
office.

• Copies of all letters you sent to and received from your
lender, along with the envelopes the letters from your
lender came in, if you have them.

• Copies of your monthly mortgage statements, loan payment
stubs, or any other billing and payment information.

• Copies of all foreclosure documents you've received, if
any. Also save the envelopes of documents you've received,
if available. Label one file folder for each group of
documents and put them in the folders in chronological
order. You will refer to these documents again and again
as you fight your foreclosure.

C. Learn the Clock

Foreclosure involves very specific timetables in which
notices must be carefully served, mailed, recorded, posted,
and published before your lender can legally foreclose.

Foreclosures can be conducted either judicially or
nonjudicially, depending on your state. You need to know
which type lenders in your state use. Each kind of
foreclosure has its own procedural rules, so you need to
know whether you are facing a judicial or nonjudicial
foreclosure. Here are the particulars:

Judicial foreclosure. Most foreclosures of mortgages are
judicial. This kind of foreclosure starts when your lender
files a lawsuit in the court in the county in which your
property is located. You must be served (provided with)
with a copy of the Summons and Complaint for foreclosure.
A judicial foreclosure can take anywhere from one to two
years.

Nonjudicial foreclosure. Most foreclosures of deeds of
trust are nonjudicial. Your lender avoids the court system
entirely by having a trustee (a third party who conducts
the foreclosure) follow a specific series of notice
procedures, then sells your property at a public auction.
A nonjudicial foreclosure can take anywhere from three to
four months depending on your state.

Knowing the foreclosure clock is another secret to
successfully stopping your foreclosure. Once you
understand the time constraints within which you are
working, you can customize a strategy that fits your
particular situation. For example, if you have two to
three months until the foreclosure sale, you still have
time to bring your loan current, negotiate with your
lender, or refinance your property. On the other hand, if
you have less than a week before the foreclosure sale, your
only option may be to file for bankruptcy. Remember, the
secret is that these time periods are for your benefit--not
your lender's. This is your opportunity to apply a
strategy that can most effectively stop the foreclosure.

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This article was written by Lloyd Segal. Lloyd is a
mortgage banker, attorney, and author of "Stop Foreclosure
Now." His new book helps homeowners understand the
foreclosure procedures in their state and develop
strategies to stop the foreclosure. More on his book can
be found at http://www.stopforeclosurenowbook.com