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Jeffery

5 Questions You Need to Ask Yourself Before Applying for a Credit Card

November 22, 2019 By Jeffery Leave a Comment

Nowadays, the process of applying for a credit card has become very simple. In most cases, you just have to go to the credit card issuer’s website, fill in a simple form there, and receive a credit decision within seconds. That simplicity belies the fact that in applying for a credit card, you are making a major financial commitment. The credit card you applied for so easily could turn out to be the genesis of your financial ruin, if you are not careful. So it is very important to always remember that credit card application is not something to be taken lightly.

As a matter of fact, there are several key questions you need to ask yourself, before proceeding to apply for a credit card. In this article, we will be looking at those key questions you need to ask yourself before applying for a credit card, and why each of these questions is important.

Without any further ado, some of the questions you need to ask yourself before proceeding to apply for a credit card include:

  1. What is the credit card’s interest rate? Every time you make use of your credit card, what you are actually doing is borrowing money from the credit card’s issuer. This is money that the credit card issuer will expect to get back, with some good interest on top. It is important to have this basic fact at the back of your mind, while applying for a credit card. Only then will you understand that the credit card issuers aren’t doing you a favor when they approve you for credit card application. They stand to earn vast sums of money from you, in the long run, through the credit card. The biggest cost associated with a credit card is that of interest. It is therefore very important for you to take a close look at the credit card’s APR, in order to figure out whether the credit card is worth having. You need to understand what credit cards’ typical interest rates are like in your market. Then, if a particular credit card’s interest is too high, you may be better off not applying for it – however persuasive the issuers may be or however tempting the offer may be in other respects.
  2. What penalties and fees are associated with the credit card? There are some credit cards whose interest rates are okay, but whose fees and penalties are exploitative. Unlike the interest rates that are usually printed out boldly, these other penalties and fees are usually only indicated as a ‘by the way’ in the credit card’s agreement fine print. Yet they could come to haunt you. It is therefore important for you to read the fine print, to understand the applicable penalties and fees, which you may be subjected to at some point. You need to know what the typical/acceptable fees and penalties are, for similar credit cards in your market. Then if the penalties and fees for the card you are seeking to apply are too high/exploitative, you may be better off not applying for it.
  3. How does the credit card compare with others in the market? The most important thing here is to resist the temptation to apply for the very first credit card you come across. Another important thing is to resist the temptation to apply for a credit card just because the credit card’s issuer has sent you a flattering letter/email telling you that they have ‘prequalified’ you for the card. What you should do instead is undertake due diligence first, to understand how other credit cards in the market work. How are the costs associated with the card you are considering applying for as compared to other similar cards in the market? How are the terms and conditions for the credit card you are thinking of applying for as compared to the terms and conditions for other similar cards in the market? You should then only apply for a credit card if you are certain that it is the best or (at least one of the best) in market. In other words, before applying for any given credit card, you should know what its pros and cons are (compared to other cards in the market). All said and done, you need to ensure that while making a credit card application, you are doing so from an informed point of view.  That is as opposed to making an application while ignorant of what is happening in the broader credit cards market.
  4. What exactly do you need the credit card for? In the market, you will find various credit cards meant to serve a wide variety of needs. There are, for instance, credit cards that are designed for people with poor credit who are trying to improve their credit scores. There are other credit cards designed for people who travel a lot. There are yet others that are designed for people who shop a lot and who seek to earn rewards… It is very important for you to understand your needs, and try to go for a credit card that is attuned to those specific needs. Otherwise you could end up paying dearly for the wrong choice of a credit card. Like if you take a case where, in spite of having a reasonably good credit score, you apply for one of the credit cards that are meant for folks with poor credit who are trying to improve their credit scores. You would then end up paying too much interest, because such cards are charged higher interest rates because they are deemed to be ‘riskier’. So you would end up paying much more than would have been the case if you had applied for an appropriate credit card.
  5. What other financial commitments do you have? This consideration would be important in trying to figure out whether you can afford the credit card. If, for instance, most of your income is going towards repaying some other loans you already have, and you go ahead to apply for a credit card, you may find yourself struggling with the credit card payments… You need to remember that if you apply for a credit card you can’t afford, you would be setting yourself up for financial struggles in the future. Therefore just because a credit card issuer has given you a credit card offer or ‘prequalified’ you for a credit card doesn’t meant that you should jump on it. On the contrary, you need to reflect deeply. Only take up the credit card offer if your financial position (your income vis a vis your other financial commitments) allows you to take up the credit card. And only if you really need it.

Filed Under: Finance

Lowes Credit Card Payment – How to Pay My Lowes Credit Card Bill

November 14, 2019 By Jeffery Leave a Comment

There are 4 ways in which you can pay your Lowe’s credit card bill: online, by phone, in store and by mail.

How to pay Lowe’s credit card online

To pay your Lowe’s credit card bill online, follow these 3 simple steps:

  1. Go to the Lowe’s credit cards online portal, by entering its address (lowes.syf.com) into your browser.
  2. Once you are at the Lowe’s credit cards online portal, sign in by entering your user ID and password into the respective spaces. (You will need to select the type of Lowe’s credit card you have, by clicking on the radio button below its graphic). So you first select the type of Lowe’s credit card you have under the ‘Returning Users’ section, then sign in by entering your user ID and password. If you don’t have a user ID and password with which to log in, you need to register your Lowe’s credit card for online access first.  To register the card for online access, you will need to select the type of card under the ‘new users’ section, then click on the ‘Register and Activate’ button and enter the required details. Once you have registered the card for online access, you can proceed to sign in.
  3. After signing into the Lowe’s credit cards online portal, click to indicate that you wish to make a payment, then enter the required details to complete the transaction. The required details in this context would include the payment method as well as the payment amount.

How to pay Lowe’s credit card by phone

The Lowe’s consumer credit cards phone number is 1-888-840-7651. So that is the number you need to dial, then when prompted, specify that you want bill payment assistance. You should then be taken through the motions of completing Lowe’s credit card payment by phone.

For Lowe’s Business Rewards cards, the phone number is 1-866-537-1397.

For Lowe’s Business Accounts cards, the phone number is 1-888-840-7651.

And for Lowe’s Accounts Receivable cards, the phone number is 1-866-232-7443.

How to pay Lowe’s credit card in store

This should be just a question of venturing into a Lowe’s outlet, specifying that you wish to make a credit card payment and then having the assistants take you through the process of completing the payment. It is important to have all the details of the Lowe’s credit card you wish to make a payment for ready at hand.

How to pay Lowe’s credit card by mail

If yours is a Lowe’s Advantage card, mail the payment to:

Lowe’s,

PO Box 530914
Atlanta, GA, 30353-0914

If yours is a Lowe’s Visa Rewards card, mail the payment to:

Lowe’s

PO Box 960010,
Orlando FL 32896-0010

If yours is a Lowe’s Business Account, mail the payment to:

P.O.BOX 530970,
Atlanta, GA 30353-0970

And if yours is a Lowe’s Accounts Receivable card, mail the payment to:

P.O.BOX 530954
Atlanta, GA 30353-0954

The payment would take the form of a check that is payable to ‘Lowe’s/SYNCB’.

It is a good idea to clearly indicate the credit card account you are making a payment for.

Link(s) to help you

Lowe’s credit cards online portal: https://lowes.syf.com/

Filed Under: Credit Card payment

Geico Payment – How Can I Pay My Geico Bill?

November 14, 2019 By Jeffery Leave a Comment

There are at least 4 ways in which you can make a payment for Geico insurance: online, by phone, by mail and through the app.

How to pay Geico bill online

You have 2 options, when it comes to paying your Geico insurance bill online. The first option is where you can pay the Geico bill online without logging in (through Geico Express Services). And the second option is where you can pay the Geico bill online while logged in.

How to pay Geico bill online without logging in

To pay Geico bill online without logging in, you need to follow these 3 steps:

  1. Go to the payments page on the Geico website, by keying its address (geico.com/information/make-a-payment/) into your browser.
  2. Once you are at the payments page on the Geico website, click on the ‘Make a Payment’ button, which is to be found under the ‘No Login Required’ section.
  3. On the screen you are taken to, enter the required information (mostly about payment amount and payment method), to complete the Geico bill payment transaction.

How to pay Geico bill online while logged in

To pay your Geico bill online while logged in, you should follow these 3 steps:

  1. Go to the payments page on the Geico website, by entering its address (geico.com/information/make-a-payment/) into your browser.
  2. Upon getting to the payments page on the Geico website, on the right hand side of it, you will find a space provided for you to enter your user ID, email or policy number. Below that is a space meant for entry of the password. Enter both credentials, then click on the ‘Log In’ button.
  3. After logging in, enter the required details to complete the bill transaction. Among the details you would have to enter is the payment amount and where you wish to have the funds for the Geico insurance bill payment drawn from.

How to pay Geico bill by phone

The main Geico phone number is 1-800-207-7847. So that is the number you need to call, then specify that you wish to make a payment. You will then specify which type of insurance you are seeking to pay for and provide the other required details to complete the transaction.

Other numbers you may find useful include 1-800-241-8098 which is specifically for Geico property insurance, 1-800-424-3426 for Geico emergency roadside service, 1-800-44-29253/1-800-44-CYCLE for Geico motorcycle insurance and 1-866-509-9444 for Geico commercial insurance.

How to pay Geico bill by mail

The Geico payment address (that is, the address you should mail your Geico insurance payment to) will depend on the type of insurance policy you hold and the state you are in.

To find the right address for you, follow these 3 steps:

  1. Go to the bill payments page on the Geico website, by entering its address (geico.com/information/make-a-payment/) into your browser.
  2. Once you are at the Geico payments page, click on the ‘Other Ways to Pay’ link, which is to be found near the top of the page. Then, under the ‘Traditional’ section, click on the ‘mail’ link.
  3. On the screen you are taken to, select your insurance category. In some cases, the address you should mail your payment to will appear instantly. In some other cases, you may be required to further select the state in which your policy is written, before the address you should mail a payment to appears on your screen.

How to pay Geico bill through the app

To pay for Geico insurance through the app, you need to follow these 3 steps:

  1. Launch the Geico mobile app on your device.
  2. Sign in to the Geico mobile app.
  3. Select the payment option. Then enter the other required bits of information (mostly about payment amount and payment method) to complete the Geico bill pay transaction.

Frequency Questions About Geico Payment

Does Geico have payment plans?

Geico does have payment plan where you pay either monthly or quarterly, but you will be charged a service fee. The monthly plan carries a service fee for $5 per month.

Link(s) to help you

Geico insurance payments options:

https://www.geico.com/information/make-a-payment/

Filed Under: Insurance

Geico Login – How to Sign in to My Geico Account

November 6, 2019 By Jeffery Leave a Comment

It is possible for Geico insurance policyholders to report and view claims online. Geico insurance policyholders can also change coverage online. Further still, the Geico insurance policyholders can get insurance cards and change their addresses online. Other things that Geico insurance customers can do online include making payments, adding or removing vehicles and signing up for paperless statements. But as a Geico insurance customer, you will be required to sign in first (at the Geico insurance website) in order to be able to do all those things. This is to say that you need to sign in at the Geico insurance website, to be able to report/view claims online, change coverage online, make a payment online, change your address online, get an insurance card online… among other things.

To sign in to the Geico insurance website, you will need to follow these 3 simple steps:

  1. Go to the Geico insurance website by keying in its address (geico.com) into your browser.
  2. Once you are at the Geico website, click on the ‘Log In’ link, which is to be found somewhere towards the top right hand corner. Then from the options box that appears, click on the ‘Log In’ button.
  3. On the screen that you are taken to, enter the user ID, email or policy number into the space meant for it. Then enter your password into the other space. After entering both sign in credentials, click on the ‘Login’ button, and you will be able to access your account on the Geico website straightaway.

How to sign up for Geico insurance online access

If it is the first time you are trying to log in to the Geico insurance website, you will be required to sign up for online access first. It is while signing up for Geico insurance online access that you will have an opportunity to create a password with which to be signing in thereafter. Now to sign up for Geico insurance online access, you need to follow these 4 steps:

  1. Go to the Geico insurance website, by entering its address (geico.com) into your browser.
  2. Upon getting to the Geico insurance website, click on the ‘Log In’ link, which you can easily locate towards the top right hand corner. Then from the options box that appears instantly when you click on the ‘Log In’ link, click on the ‘Log In’ button.
  3. On the screen that you are taken to, click on the ‘sign up for an account’ link. This link is to be found somewhere below the ‘Login’ button.
  4. After clicking on the ‘sign up for an account’ link, you will be taken to a screen where you will have to fill in certain details. Provide the required information, to complete the Geico insurance online access sign up procedure.

After signing up for Geico insurance online access, you can proceed to the login page and sign in from there.

7 things you can do while logged in to Geico insurance

While logged in to Geico insurance, you can, among other things:

  1. Report a claim online
  2. View a claim online
  3. Make a payment
  4. Change your Geico insurance coverage
  5. Change your address
  6. Get a Geico insurance card
  7. Sign up for Geico paperless statements

Link(s) to help you:

Geico insurance website: https://www.geico.com/

Filed Under: Insurance

Comcast Login – How to Sign In to Comcast Account

October 31, 2019 By Jeffery Leave a Comment

It is possible for Comcast customers to manage their payments online. This means that Comcast customers can view their bills, pay the bills and set up automatic bill payments online. It is also possible for the Comcast customers to customize their wi-fi network login credentials, check for outages and troubleshoot their devices online. All that the Comcast customers are required to do is sign in to their accounts, in order to be able to perform all those functions.

Now to log into your Comcast account, you need to follow these 3 steps:

  1. Go to the Comcast/Xfinity website, by keying in its address (xfinity.com) into your browser.
  2. Upon getting to the Comcast website, click on the ‘Sign In’ link, which is to be found towards the top right hand corner. Alternatively, you can click on the ‘My Account’ link which is to be found on the main menu at the top of the page. Either way, you will be taken to the login screen.
  3. On the sign in screen you are taken to, enter your username or email or mobile number into the space meant for that. Then enter your password into the appropriate space. You may also be required to enter a ‘captcha code’, as displayed on the screen. Then click on the ‘Sign In’ button, or hit the ‘enter’ key on your keyboard. You will then be able to access your Comcast account straightaway.

How to sign in to your Comcast account for the first time

If it is the first time you are trying to sign in to your Comcast account, you will need to follow these 5 steps:

  1. Go to the Comcast/Xfinity website, by entering its address (xfinity.com) into your browser.
  2. When you get to the Comcast website, click on the ‘Sign In’ link, which you can easily locate towards the top right hand corner. Alternatively, you may click on the ‘My Account’ link, which is to be found in the main menu at the top of the page.
  3. On the screen you are transferred to, scroll down towards the bottom end. There, below the ‘Sign In’ button, you will see somewhere where it says ‘Don’t Have a username? Create One’. Click on the ‘Create One’ link.
  4. On the page you are taken to, specify whether you wish to confirm your account using your mobile phone number or social security number. Confirm your account, then enter the other required details in the subsequent screens, so as to complete the Comcast online account sign up. In the process, you will get to set up a username and password with which you would be signing into your Comcast account thereafter.
  5. Having thus set up a username and password with which to log in, you can proceed to the Comcast sign in page and log in to your account from there.

Then after signing in to your Comcast account you can, among other things:

  1. View your Comcast bill
  2. Pay your Comcast bill (or set up automatic payments for the same)
  3. Customize Comcast wi-fi login credentials
  4. Troubleshoot your Comcast device
  5. Check for Comcast network outages

Filed Under: Online Services

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