Five Ways to Enhance Your Financial Health

joker123Finance Solutions – Personal finance means how you manage your money and plan for your future. All of your financial activities and choices have an impact on your financial health. We tend to be guided by some rules of thumb, something like “do not buy a building that costs more than two-and-a-half years’ worth of income” or something like, “you must always save a minimum of 10% of your income for your retirement.” joker123

While many of some of these rules are time tested and useful, it is necessary to think about what we should be doing to improve our financial habits. Here are five personal finance rules that can assist you on achieving specific financial goals, cited from Agen Sbobet :
1. Count the Net Worth and Personal Budgets
Instead of ignoring your finances and leaving them to chance, a little bit of calculation can help you evaluate your current financial health and know how to reach your short- and long-term sbobet88 financial goals.

2. Know and Manage Lifestyle Inflation
Most people will spend more cash if they have more cash to spend. As people are getting higher salaries, they tend to spend more money, this phenomenon is called “life inflation”. Although you may be able to pay your bills, lifestyle inflation can also be very limiting in the long run, because it limits your ability to make more wealth. Every dollar you spend now means less money later. insurance news

3. Understand Needs vs. Wants and Spend Wisely
It is best to be mindful of the difference between what you need and what you want, so you can make better spending options. Your needs are the things you must have in order to survive, such as food, healthcare, shelter, transportation, a reasonable amount of clothing. Meanwhile, wants are things you like to have but do not really need for survival.

Read More : Four Ways for Millennials to Get into Investing

sbobet884. Begin Saving Early
There is a saying that says, “It is never too late to start saving for retirement.” That is technically true, but the earlier you start, the better off you will likely be during your retirement years. This is because of the power of compounding.
Compounding has a relation to the reinvestment of earnings, and it is most successful over time. The longer earnings are reinvested, the greater the investment worth, therefore, the bigger the game slot earnings will be.

5. Build and Maintain an Emergency Fund
An emergency fund is money that has been set aside for emergency purposes. The money is intended to help you pay for things that wouldn’t usually be included in your personal budget. This includes unexpected expenses such as house repairs or an emergency trip to the hospital. It also helps you pay your daily expenses if your income is interrupted, for instance, if an illness prevents you from working. finance news

The Bottom Line
Personal finance rules can be wonderful tools for achieving financial success. Nevertheless, It is necessary to look at the big picture and build habits that helo you make better financial decisions, resulting in better slot game financial health.

Four Ways for Millennials to Get into Investing

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Finance Solutions – Millennials have the greatest chance in the stock market if they invest sooner instead of later. It is going to be a long game due to the compounding effect. Thus, for millennials who don’t yet have the knowledge or comprehension to begin investing in a major way, here are some ways to understand how it works. Starting with one of these tips today may make you a fortune later, cited from Agen Sbobet :
1. Use a DIY platform
There are a lot investing platforms that can make personalized investing portfolios. You can use Ellevest, which has 21 asset classes and makes a portfolio based on the amount of risk you want to take. For millennial ladies, this can be a good first place to get started, because not only you can invest as much as $20 and add a recurring contribution, but you can also edit your joker123 timeline as you go.

2. Invest in something that interests you
This could range from investing in a friend’s start-up for a product you believe in to using a platform such as Vinovest, which permits game slot users to buy and sell fine wine without having to store the inventory in their homes. Simultaneously, this type of investment can be fun and. Having an interest in one sector of industry or type of product will also incentivize further research on the subject, that can only pay off as far as investment options go. Insurance News

Read More : 3 Things You Have Got To Know Before Getting Your First Credit Card

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3. Invest in something which is part of a global conversation
Investing in something such as cryptocurrency can be another alternative. A lot of millennials enjoy participating in the conversation around the different types of cryptocurrency on Reddit and Twitter, where they can find information, make slot game friends and learn in a more social way. Apps such as Coinbase make this easy, where everything from Bitcoin to Ethereum is accessible to buy and sell at a moment’s notice, that is how many millennials start to play with trading. Those are valuable skills that can translate to the stock market afterwards.

4. Do a convertible loan
Convertible loan means that an agreement is created for a loan for a startup or business, and the loan will be returned with a small interest fee, with the choice to turn the debt into equity. For millennials in the startup sphere curious about business or working in venture capital, this is a good way to start the process of startup investing while also providing the startup a year to perform before choosing whether to invest or take back their loan money with the small interest rate accrued. It can also be a good chance to find about about key terms related to sbobet88 business growth and what investors have to look for in startup performance.

Each of these four ways offers an educational glimpse into the world of investing, with a rather smaller margin of risk for starters finance news. The greatest way to learn is through doing, thus, millennials just need to begin playing with their disposable income to learn the ropes.

3 Things You Have Got To Know Before Getting Your First Credit Card

finance solutionsUnderstanding the fundamentals on how to get a credit card and use it wisely can save you time, energy and money, and help your way to building good credit.

Getting your first credit card is not only an enormous milestone, but also a huge adjustment. You may have a rough sense of how credit cards work and how to handle it, but the details are where the devil is. Comprehending more before getting a credit card will save your money and help you establish good credit. Finance Solutions

1. The best credit cards are not for beginners

As a beginner to credit, perhaps you will not be able to qualify for the most valuable credit cards, which are those with wealthy rewards and benefits, bonuses or long zero percent interest periods. Those products are accessible only to applicants with good or excellent credit and longer credit histories who meet certain joker123 income requirements.
You might start smaller first with your credit card, a product for people with limited or no credit history. It is not that bad, though; lots cards like that provide decent rewards and do not charge annual fees.

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2. A security deposit makes a mastercard easier to obtain

If you’re having hassle to get your first credit card approved, try a secured credit card.
Secured credit cards are made for people with damaged credit or no credit at all. You will first need to put down a cash deposit to open your account. Your credit limit is particularly equal to your deposit. The minimum deposit requirements vary from $200 to $500, depending on the agen sbobet card.

Read More : Credit Report Agencies’ Role in Improving Your Credit Rating

Falling behind on payments might mean losing your deposit. However, if you always pay on-time and spend your money below the limit, you could build good sbobet88 credit within months. Your issuer could upgrade the account to a regular unsecured card at that point, or you could apply for an unsecured card and close the secured card in good standing. Insurance News

3. Your first credit card can build your credit or ruin it

One of the primary reasons to obtain your first credit card is to spice up your slot game credit. However, if you are reckless, it can have the opposite effect. It all depends on what you do.
Your issuer will report your credit card activity every month to credit bureaus, the companies which files the credit reports that form the basis of your game slot credit scores. The reported data includes whether your payments have been on time and how much of your credit you have used. Late payments and maxing out the card are bad.
To ensure your credit card activity helps as much as possible, pay in full and punctually every month and stay below your credit limit. (A good rule of thumb: Keep your balance under 30% of your available credit at all times.) You might also want to track your credit scores to see where you stand. Finance News

Credit Report Agencies’ Role in Improving Your Credit Rating

Finance Solutions – The tri-merge credit report is helpful on quite a few levels. Experian, Equifax and TransUnion are the 3 credit report agencies most used and the three have separate knowledge of your credit situation. I would recommend using all three for a chance at a positive credit report. The cost of obtaining these three credit reports is less than , which is a minimal fee to gain the knowledge you need. Depending on which state you’re from you may be able to obtain these reports free of game slot charge.

Financial institutions will use your credit scores when making a decision on whether or not to approve your loan and credit applications. Knowing in advance what your credit report says about you will save you time and frustration when dealing with these companies. You cannot receive a loan for your home, insurance with low premiums, leases on cars or low interest credit cards, if your score is too low. agen sbobet

Reviewing your credit scores often will also alert you to the possibility of someone trying to steal your identity, which happens more common than you may think.

You may be in the midst of someone taking advantage of you through opening card accounts in your name and being delinquent. This will lower your score and be apparent on your reports. You now have the advantage of being able to contact the authorities so that the erroneous items are removed from your report and the police can investigate the culprit. sbobet88

It can be difficult to get fraudulent charges off of your credit reports. There are many instances of people finding large charges reported by the 3 credit report agencies where the company doesn’t believe that it actually is a fraudulent charge. An example of this would be the application for a cell phone by someone who stole identity information. joker123

When it comes down to proving that it actually is fraudulent activity, you may have to provide proof like the title of your home or pieces of mail. The over abundance of proof that must be provided is necessary for the company in question to believe you. It takes a lot of time and energy to deal with.

You can make your credit score higher by doing quite a few different things. By contacting the major 3 credit report agencies you can find out what’s being reported on your slot game credit report.

Free Virtual Credit Card

Finance News – Virtual credit cards are debit cards but they can also function as credit cards. This means that with virtual credit cards you have an account in which you deposit money and you can use that money as if it were credit. Unlike traditional cards, with a virtual credit card you do not acquire any debt, since you spend what you deposit to the card. The benefits they offer are extensive and there are many banking institutions or companies that issue them. In this article we explain more about it. sbobet88

  • Revolut and N26 have a European IBAN for free with prepaid MasterCard and or virtual Visa. It can be requested by residents of Spain and other countries in the European Economic Area.
  • A good option is Neteller. Here everyone can apply for a free virtual credit card.
  • Other options include the free Transfer wise program that is available in more countries.

Free virtual credit cards

Perhaps it is good to clarify from the beginning that acquiring a free credit card does not mean that you will have a credit that you will not have to pay. The credit cards that we refer to in this article are prepaid cards that serve the same function as credit cards. Think of them like when you credit your mobile. It is the same, but with a virtual card. If you want to get free money check the link. agen sbobet

A free virtual credit card is useful for those who do not have access to financial services such as conventional credit cards. This type of card is used by people who need to carry out transactions on the Internet, either to buy or contract services. Similarly, virtual credit cards give you the option to transfer money between countries without having to pay such high commissions. This is very profitable for all those people who live abroad and who have to constantly send money to their family or friends (it is an excellent alternative to Western Union).

An advantage of free virtual credit cards is that they also provide you with a bank account. In case of processing a virtual credit card in the European Union, that account includes an IBAN that allows you to transfer money between European countries for free. In the case of non-European cards, the account they offer you can use to deposit your payroll or make deposits in general. Most free credit cards also offer you a physical card. This allows you to make purchases in an offline store.

Virtual cards have become popular with travelers lately. The reason for this is that it is easy to carry, in addition to our country’s card, an extra international credit card. Similarly, making payments on sites like Airbnb or similar is easier. Similarly, some companies and financial institutions offer good travel insurance with the purchase of the card. joker123

How to get free virtual credit card

There are several companies and banks with which you can apply for a free virtual credit card. You can buy these cards in different parts of the world. In the case of Spanish-speaking countries, you can acquire them in Spain, Mexico, Argentina, Chile, Colombia, Venezuela, among others. Basically it could be said that if there is a Visa or MasterCard in your country, it is very likely that you can acquire a virtual prepaid credit card.
Free virtual Visa card

If you are wondering how to get a free virtual Visa card, it is very simple. In most countries, the Visa company, like MasterCard, has a large presence. In Europe perhaps a little less, but it is not conspicuous by its absence. Most credit cards belong to one of these two financial transactions. Some companies even offer a prepaid MasterCard or Visa à la carte credit card. Choosing between one or the other game slot will depend on why you want it, but basically they are the same. The following is an example of a free virtual credit card. The company has grown very rapidly and is gradually expanding throughout all parts of the western and westernized world.

Revolut

Revolut offers a European account with free IBAN, prepaid MasterCard and / or Visa credit card, the option to generate single-use cards, and the option to buy cryptocurrencies such as Bitcoins, Bitcoin Cash, Ethereum, Litecoin and Ripple (premium account) . It can be requested by residents of Spain and other countries in the European Economic Area. Although Revolut is not yet available to Latin Americans, the company is in the process of expanding out of Europe, including Latin American countries such as Mexico and Argentina.

With Revolut you also have the option of having a physical card sent to you. The cost of it will depend on where you are. In some countries you can request it completely free. The physical card is also free if you have the premium slot game account, which costs around € 7 a month. Finally, it offers travel insurance that is attractive to travelers.

How to get a free virtual credit card with Revolut

To get a free virtual credit card with Revolut or any other company, what you need to do is enter the page and follow the steps indicated. You will have to verify your identity and have a cell phone. With some companies you will have to do an interview by phone or webcam, but this is not the case with Revolut. This is done quickly. In general, the time it takes to get a free virtual credit card is 20 minutes, not counting approval time. This time is also usually very fast. A good alternative to Revolut is N26 or Neteller.

Shopping for Business Insurance

Your business needs a trim bottom line. This is best accomplished by having a manageable budget. Business is full of risks. This is why business insurance is very important. You want to have a quarterly budget that makes it easy for your company to profit. Keeping tightly controlled expenses will make sure that your business has a clear path to making money.

Business insurance can turn uncertain risks into manageable payments. You can get business car insurance to guarantee that your fleet of vehicles remains on the road. Your vehicles are very valuable assets. You don’t want a car accident to cripple your operations. There are also laws that require your business vehicles to be covered by an auto insurance plan. You should compare insurance plans to find one that will cover your vehicles at a reasonable price.

You can get business insurance for your commercial property. There are plans that cover the assets on the premises as well. You might have valuable business equipment on your property. It could be damaged or stolen. These are real risks that would cost your company an untold amount of money. You can also get liability insurance that covers your property. If a client or customer were to be injured in your facility, liability insurance would protect you from catastrophic judgments. These unplanned expenses can destroy a business.

You can also choose to purchase a worker’s compensation life insurance plan. This would help protect your workers in the event that they are injured on the job. Your staff will appreciate the security offered by this type of insurance plan. You will want to compare different policies to get the best value for the money. Your staff will work much harder when they know that they don’t have to fear losing income over an injury.

Malpractice insurance is a type of business policy that health care, legal, and dental service providers must purchase. If you are a provider of one of these services, you will need this type of insurance plan.

The best way to get a good deal is to compare insurance quotes. Different insurance plans will offer varying degrees of coverage. Once you have selected the type of coverage that protects you from risks that face your business, it is important that you find the plan that best delivers this at an affordable rate. Regardless of the type of business insurance that your company needs, there are plans out there that can fit your quarterly budget. Clever shopping will reward you with a tight business model. Your employees will appreciate the fact that your company can not be taken down by an unexpected emergency.

Do You Have All the Right Info on Credit Card Debt?

Are you drowning in credit card debt? Many people around the world (not just Americans) are. The root cause of America’s problems with credit card debt stem from a lack of education by American consumers in how credit cards (and debt) and interest actually work. If you’re drowning quick and need info on credit card debt, this article can be thought of as something of a life preserver.

The first thing to know about credit card debt is a formula called the Rule of 72. When you put money on a credit card, there’s interest to pay. Interest is the annual percentage of the initial amount borrowed that you have to pay extra each year for the average balance on the card. In a very simple case, if you borrow $1,000, at 18% interest, and maintain an average balance of $1,000 you’ll have to pay $180 in interest during that year. The rule of 72 is how banks and credit card companies make their money. Divide 72 by the interest rate you’re being charged, and you’ll have the time frame (in years) in which your accumulated interest payments on your credit card debt will equal the amount borrowed. In the example above, 72 divided by 18 is 4, so if you float your balance around $1,000 for four years, you’ll have paid roughly $1,000 in interest.

The best way to use a credit card is to pay the balance off every month in full. Unfortunately, credit cards make it really prominent to see the minimum monthly payment which is usually a payment that covers the interest and about 25 cents to a dollar of the total amount owed. If you’ve gone overboard on credit binging, that may not be doable. However, it’s usually possible for most people to dig themselves out of the hole with some fiscal discipline. It takes planning, effort and the right info on credit card debt .

The first step: Start by sorting all your info on credit card debt in descending order of interest rates. If you can make a transfer from a higher rate card to a lower rate card, do so.

Second, figure out what your minimum payments are. Now, look at what you bring in each month, and save a month’s worth of receipts. Look at what you can trim out of your budget to pay down those debts. If, for example, you go to a coffee shop every morning, that’s an additional $5 to $7 you spend every working day. Over a 21 day working month, that’s $105 dollars. If you always eat out for lunch, that’s an extra $5 there as well. We’re not saying give up all the luxuries in your life; but try and limit your Starbucks consumption to, say, every Friday, or every payday, and make coffee at home before you leave instead – a home brewed cup of coffee costs you about a nickel, rather than $5.

Next, go through your list of credit card debts. Set each card to get a payment of at least 10% over your minimum payment each month; devote all the extra to paying off the highest rate card you’ve got. Leave your credit cards at home; if you need some electronic way to pay for things, get a debit card from your bank and have it deduct straight from your checking account. Hopefully this info on credit card debt helps with a method or two on ways to improve your credit and debt standing.

5 Steps You Need To Take To Repair Your Credit

Fast credit repair specialists are everywhere. You see them on TV, on the internet. Every time you check the mail, it’s full of fliers all claiming one thing-any credit card problem can be solved. Service providers in this field claim that they can make bankruptcies, judgments, liens and bad loans disappear from your credit file forever. They go as far as to claim they erase bad credit history from the lives of millions of Americans. Who wouldn’t want to procure their services after such claims? Recent economic times surely make such services indispensable to most of us. However, did you know that you can repair your credit history without much help from a third party? It is easier and cheaper to do by yourself.

The Trouble Of A Bad Credit History

Since the financial turmoil, in late 2007, bad credit has stood in the way of many plans. Banks and many financial institutions do not extend credits to a person whom they view as credit unworthy. Terms such as sub-prime borrowers are coined to refer to person’s whose credit card ratings are less than impressive. These borrowers will not be for loans. If you have skipped on some of your debt repayment plans, most likely your loan application form is placed under this folder.

There are a few options when it comes to getting loans with a poor credit card history. These alternatives however, have a catch. Your loan will be processed, but with this loan, you are bound to be subjected to interest levels well above the average rates on the market. Most lenders who are willing to deal with sub-prime borrowers have rates starting at 25%. The repayment period for these loans is even shorter. Such loans are never helpful. In fact, they leave you with more problems than you previously had to deal with before the loan. Horror stories abound all over the internet of people who took these loans and as a result, had more problems than they anticipated.

Therefore, it is crucial to have the perfect credit score, since anything less than perfect is considered as unacceptable. Nothing less than a perfect credit score will see to your success in achieving financial freedom. If you want to buy a house, you need a perfect credit score, if you need a loan to expand your business, then banks will only consider your application with a perfect credit card history to back it up.

How To Fix Your Credit History

Since having a bad credit score is not the wish of many, it is imperative to try and improve credit score. Certain events such as job cuts, family emergencies and even the death of the sole bread winner can lead to a bad credit score. In such eventualities, fast credit repair is the answer. Through this, you can get your credit card score back on track. Banks and other financial institutions will begin to approve your loan applications without subjecting you to torturous queries and procedures. There are five simple ways you can use to get your credit back on track, without involving a third party to help you out.

1. Inform Consumer Reporting Companies Of Inaccurate Information In Your Credit Rating

In writing, you can point out to consumer reporting companies of inaccurate information. In your letter, include copies that support your claims. Identify all items in your letter that you dispute and state all the facts and reasons why you dispute the information they hold. Politely ask them to remove all the inaccurate information from your file. Do not forget to include your complete names and address in the letter. The law requires the consumer reporting companies to investigate such claims within 30 days, unless they consider a dispute to be frolicsome. All the data you submit must be forwarded to the organization that provided the information, according to the law. The organization will then investigate the dispute. If the investigation reveals that the disputed organization is indeed inaccurate, then the information provider is required to notify all consumer reporting companies so that your file is updated and corrected.

2. Inform Creditors Of Inaccurate Items In Their Claim

Inform creditors of items that are inaccurate. Write to them, include copies of documents supporting your position. The law requires that items reported to a consumer reporting company to include all notices of dispute. If your dispute is correct and the items specified are found to be inaccurate, then the information provider has to withdraw that item.

3. Get A Permanent Source Of Income

Some credit facilities such as credit card retailers will not investigate into your credit history. They simply need to see your income status. If you have enough money for their liking, then they will give you a credit card. What you have to do next is to keep up with your credit card repayments. Doing this consistently makes you eligible for traditional credit cards. Even if you do not need these traditional credit cards, sign up for them and keep up with the repayments. This will go into your credit history, improving it and giving you just about the perfect credit rating.

4. Always Make Sure That You Owe Less Than The Credit Available

This is pretty much straight forward. A low balance with high credit on hand is healthy. A high balance with no credit on hand is not good for your credit ratings health. Never max out your credit card.

5. Build Your Credit History

Even after repairing your credit, there is one final thing that needs to be done. You need to build your credit history so as to improve your credit score even more. There are instances where credit card score is below average as a result of scarce credit history. Make sure that creditors report your credit history to consumer reporting companies and credit card bureaus. If you keep up with your debt repayment plan, then this will be reflected in your credit card history, effectively giving you a perfect credit card rating and score.

As a warning, fast credit repair scams are all over the internet. There is no way you are going to repair your credit overnight. You have to fight your way out. These simple steps are your best course of action to improve your credit history.

All Prepaid and Virtual Cards to Buy Online

More and more people shop online; Those who resist doing so, for the most part, are because they distrust the security of this type of transaction. The biggest problem, or the biggest fear, is in entering bank details on an online platform. As an alternative to ‘transfer’ our credit or debit card data, there is the option of using a virtual card. A prepaid card that is specifically designed for online payments and purchases, and that offers users a series of additional security measures for this.

Online stores use – or should – secure payment platforms that are managed by third parties. These payment platforms are not typical of online stores, but of companies specifically dedicated to it. This means that users’ bank details are not processed or stored by sellers but by companies that are dedicated solely to working as a ‘bridge’ between buyer and seller. And on these platforms, it is usual to have encryption on the servers so that the exchange traffic with the client is safe and private.

To what extent are payment platforms safe to enter our bank details, credit or debit card

Despite this, there are phishing attacks. An attacker tricks the customer with a payment form that is not that of the store, or that of the secure payment platform, so that they enter their bank details in it. With the appearance of a lawful form, the user’s payment data is collected and, of course, stolen and stored on remote servers for various issues. Even in this type of attack, a virtual card or a prepaid card for online purchases would be an exceptional security measure because it would prevent access to our checking or savings account.

Why a virtual card, or a prepaid card, are the perfect solution for online purchases

A virtual card, or a prepaid card, is not a physical card. But it does offer the customer and consumer a number, an expiration date and the corresponding security code, which are the necessary and essential data to operate normally on Internet purchases. As long as there is no physical card, it cannot be purchased in physical stores unless the card is linked to mobile payment platforms such as Google Pay, Apple Pay, and the like.

How to find deals on Amazon

The great advantage of prepaid cards is that the funds are limited. The customer is the one who ‘manually reloads’ the card balance and chooses the maximum available at all times. It is not directly linked to our checking or savings account, so that in the event of a third party attack, only the available balance charged by the client could be accessed. If we want to make a purchase of 50 euros, for example, only 50 euros can be charged for a one-time purchase and, in the event of an online attack, we could only steal those 50 euros regardless of the balance available in our current account or in our savings account.

It works in a way like a debit card, as only the loaded balance will be available at all times. No more balance can be made available at any time or under any circumstance, either deferred or direct. And the most important thing is that, as we said, there is no link with the rest of our banking or financial products or services. In addition, the management and administration of the card is through the Internet and immediately, both for top-ups, for cancellations and other operations.

The virtual cards and prepaid cards that you can hire to make online purchases safely

There are dozens of options within our reach if we are looking for a prepaid card or a virtual card with which to make our purchases online safely. Each of them has its own particularities, starting with physical support or availability only in virtual format. The main national banks have at least one option, mostly, but there are also solutions independent of fintech companies. These that we show you below are all the virtual cards and prepaid cards that you can find, with their main conditions, advantages and disadvantages to buy online safely.

Bnext

By creating an account with Bnext we can have your virtual card, which is not a prepaid card as such, but works in a very similar way. Income can be made by bank transfer or with another credit or debit card. From 0 euros onwards with income, and from 25 euros if it is with another card. The card issuer is VISA and the fee is 0 euros for the first year, plus there is no renewal fee. In this case the limit is 2,000 euros per month in payments with non-euro currencies, and the commissions are 1.4% from 500 euros with three free withdrawals per month.

Bankia

Bankia offers prepaid top-ups of a maximum of 1,500 euros, without fees or commissions. The maximum amount per recharge is 1,500 euros, but the maximum cost is unlimited, so that several recharges can be made for Internet payments of higher amounts. Only Internet purchases are possible with it, as it does not have physical support. Top-ups are free and, for Bankia customers, top-ups can be done instantly and directly from other bank and financial products and services of the entity.

BBVA Wallet

BBVA Wallet also works as a virtual card in prepaid mode, with a maximum limit of 600 euros and the requirement of having a BBVA account as a holder. It has no commissions of any kind, nor fees, its issuer is VISA and the minimum recharge is 6 euros. One of its advantages, compared to other prepaid virtual cards, is that it has insurance against robbery at ATMs. Like the others, it can be managed completely from the mobile, and it does not have physical support.

BBVA Card Before

The Before BBVA card has no spending limit beyond the top-ups that are carried out, its issuer is VISA and there are no annual fees for issuance or maintenance costs. It also has insurance against possible robbery at the ATM and has a protection system against fraudulent use. As in all BBVA virtual and prepaid cards, it is necessary to be a customer of the entity in order to have the product. The advantage is that in this we do have physical support to pay in physical stores and for withdrawals in the ATM network.

BBVA Virtual Card

The BBVA Virtual Card does not have physical support, therefore it is valid only for purchases over the Internet. The maximum limit for top-ups is 600 euros through ATMs, by phone, online, at BBVA branches and through the entity’s apps. This virtual prepaid card has a card number, expiration date and CVV to operate normally in online purchases and does not carry any type of maintenance fee or commission. For hiring, an email address and a personal identifier number are required for it.

Aspects to consider

The first thing to keep in mind is that a prepaid card is not necessarily a virtual card, and vice versa. A prepaid card is one that is not directly associated with a bank account and, therefore, has a limited balance charged by the customer. You can only have this limited balance, although you can make as many recharges as you want taking into account the amounts to which the entity that manages it can limit us.

Physical support or virtual support

Prepaid cards may or may not have physical support. In the second case they will be virtual prepaid cards. Those that have physical support give us the possibility to pay in physical establishments and shops, while those that are limited to virtual support will not give us the same freedoms. In some cases, virtual support linked to apps and mobile payment platforms will allow us to pay in physical stores.

How to Have a Free Credit Card

There are several types of free credit cards. Today, whether we want it or not, it is necessary to have a credit card to make some purchases or contract services online. Depending on how we use it, credit cards can be an alternative when we have liquidity problems.

It is important that before applying for one, you consider some important aspects and that you compare between different cards. Depending on the bank, some will ask you for guarantees, not to be in the credit bureau, and proof of income. Similarly, some banks may charge you opening fees and monthly payments. However, it is possible to get a free credit card, without payroll and without much paperwork.

Free conventional credit cards

Free credit cards are cards that some banks grant for free. You normally request them directly by going to the bank or by going to the financial institutions that issue them. You can expect to be asked for collateral, not being on the credit bureau, and proof of income. Similarly, it is very safe that you have to pay interest and monthly payments. Each bank has different credit products and therefore it is important to compare which one suits you best. One of the things you can do to choose the credit card that suits you best if you live in Spain is to compare the Annual Equivalent Rates (APRs). This percentage is used to compare these products and find out which is more expensive.

Another thing to consider is your ability to pay, the interest you will have to pay, and the time you will have to pay. Will you have to pay the total monthly or monthly for twelve or more months? It is possible to process some credit cards without credit verification. However, if you ask for money they will almost always check that you are not in the ASNEF.

Free electronic credit card

An alternative to conventional cards are free electronic credit cards. These types of cards work in the same way as conventional credit cards, with the difference that you request them via the Internet and some are usually prepaid. These free virtual credit cards have the advantage that they are approved relatively easily and without much paperwork. Another advantage of applying for virtual credit cards is that it allows you, sometimes, to obtain a free international credit card. Most of the credit cards are backed by the giants MasterCard and Visa. This guarantees that your card will be accepted anywhere.

Some electronic credit cards allow you to obtain free disposable credit cards with which you can choose whether it is MasterCard or Visa. An example is Revolut and

When you go to apply for a free credit card online it is important that you confirm that these free credit cards are backed by one of these companies or that they are not shell companies. At least check that the company you ask for the card can respond in case something happens and that they don’t give you a fake credit card without money.

Credit cards without changing bank

Free visa cards without changing bank? If you already have a debit card or have an account, it is possible to obtain a credit card without changing banks. For this you have two options.

The first is to request it directly from your bank. In Spain it is enough to call by phone or go to your bank’s offices to see what the procedure is. As already mentioned, you will most likely be asked for proof of income. The second way to get a free credit card without changing a bank is to search the Internet for a free credit card that is linked directly to your bank account.

If you are looking for free credit card accounts you can check the link. Some examples of a free account linked to your checking account are Evo Finance and the Wizink Gold card. You can apply for a credit card without changing banks. Similarly, these free credit cards offer good conditions and are free.

Free Annuity Credit Card

There are credit cards with which the annuity is free. That is, with these free credit cards you do not have to pay any fee per year. It will depend on which bank or financial institution grants you the credit card if they will charge you annual fees or deferred annual fees in which they will charge you each month. Keep this in mind because you do not want to be surprised that they charge you a large amount per year. Obviously, if the card you want to hire is free, this should not be a problem.

Interest-free credit cards

It is possible to find credit cards without interest. Depending on the type of purchase you make or what you use the money for, you may not be charged interest. Interest is generally charged when you do not pay the full amount of your purchase. For example, if you used your credit card to buy medicine because you got sick or because you bought a tent to go to the beach on vacation and you cannot pay the total cost, then you will have to pay a minimum, including interest on from the cutoff date. The same happens if you withdraw money from an ATM with your credit card.

If you decide to pay something in installments you will have to pay an extra percentage on the total money you have used. It’s a good idea to compare which credit card has the lowest interest, or better yet, which card doesn’t charge you interest.

Credit cards without money

We do not offer any free credit card without money. But some companies offer prepaid cards, which are issued without you having money on them. These types of cards work like mobile recharge cards. You have the money you deposit and you can only spend that amount. It is important that you do not confuse free credit cards with free credit card for money. Free credit cards with money do not exist. No one is going to give you free money. Now that if you are looking for cards with which the bank lends you a certain amount of money and you pay it at the end of the month or in installments, check out bank credit cards and the previous sections.

Prepaid cards are free credit cards without money and more than helping you when you have liquidity problems, they are useful to pay things online, as well as to have a bank account when you do not have the necessary documents to open a conventional account. You can see these types of cards as a card to which you can deposit money.

How to get a free credit card

To get a free credit card, you need to first investigate which one is best for you. You can use our free credit card comparer. Some of them are Neteller, N26 or Revolut and can be processed from Spain and some other countries in the world. Once you have chosen the one you like the most and the one that suits you best, you will have to open an account through the internet. This will take you no more than 15 minutes. The third step for how to get free credit cards is to deposit money, which should appear in your new credit account. After that you can already use your credit card and recharge it when necessary. Visit the page how to have a free credit card, where you can find detailed information about it and how to have a free credit card.