Credit Cards and No Credit Checks Rensselaer NY

Crown Jewelers are now offering a unique credit solution to meet a variety of needs for those who are trying to get credit. They are advocating that you should save your credit card for those emergencies and use their credit card.

Local Companies

HSBC Bank
1.800.975.HSBC (4722)
Rpi Student Union 15Th Street & Sage Avenue
Troy, NY
TD Bank
518-477-9311
71 Troy Road
East Greenbush, NY
Citizens Bank - Route 7/Latham
518-783-1676
1202 Troy-Schenectady Rd
Latham, NY
Bank of America - Bellevue
800.432.1000
2525 Broadway
Schenectady, NY
William Mack, ChFC, CLU, LTCP
1574 Union Street
Schenectady, NY
Bank of America - Niskayuna
518.382.5877
1757 Union St
Schenectady, NY
Citizens Bank - Wolf Road / Hannaford
518-438-5910
96 Wolf Road
Albany, NY
TD Bank
518-664-5129
5 Park Plaza
Mechanicville, NY
Bank of America - New Scotland Ave
800.432.1000
25 New Scotland Ave
Albany, NY
Bruce Gaynor
6 Tower Place
Albany, NY
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Author: Tom Tessin

There is a Jewelry company that gives you the opportunity to get a credit card with "no credit checks". This credit card makes it easier for Americans to get a credit card without going through the traditional means. Today because of our economy it is becoming more and more difficult for Americans to get credit cards even those with good credit are finding that their line of credit is being reduced or even cancelled. Those who have bad credit are finding that getting a line of credit is getting harder or even impossible.

Crown Jewelers are now offering a unique credit solution to meet a variety of needs for those who are trying to get credit. They are advocating that you should save your credit card for those emergencies and use their credit card. They offer you a credit card with no credit checks. This sounds very tempting and who knows perhaps other credit lenders might follow suit someday. Crown Jewelers claims that this is not a secured credit card or a prepaid card. They are offering you a unsecured credit line that offers a "Guaranteed Zero Down" feature in as little as six months. This opportunity sounds too good to be true.

The company states that if you meet their qualifications that you can get your credit card. This is a good way to build your credit score so the company claims. The problem is that you are required to make your purchases with the company. Your account is not an active unless you make your purchase on line with the company. Once you made a purchase and the merchandise is shipped then they start making reports to the credit reporting agencies. After that if you keep a good payment time schedule then your credit score will naturally improve. In order for you to upgrade your credit status then you need to make purchases increasing your credit limit. This is only natural but since you are only purchasing from that specific company in order to use your credit card it really does not benefit you when you want to use the card for other purposes like making airline reservations etc. There are other companies that are doing the same thing offering customers a line of credit on their credit cards offering to make reports to the credit reporting bureaus to help your line of credit. This is a good way to help your credit but it is really not the best way.

When looking for these cards, there are a few things that you need to remember. Sure, there will be cards that say "no credit check" but the question is if they are going to help you. You want to make sure that they report to the credit bureaus. As long as they do this, you're going to be on the right track to fix your credit. Don't just sign up for the first card you see because you may find that you're using a card that isn't even helping you.


About the Author:

Find secured credit cards that require no credit checks and more of Tom's work at FINDsecuredcards.

Article Source: http://www.articlesbase.com/finance-articles/credit-cards-and-no-credit-checks-827205.html

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