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Capital One® Secured Mastercard®

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Capital One® Secured Mastercard®

Capital One® Secured Mastercard®

4.0/5421 reviews ➔

From cardholders in the last yearApply Now

  • INTRO PURCHASE APRN/A
  • REGULAR PURCHASE APR26.99%* Variable
  • INTRO BALANCE TRANSFER APRN/A
  • REGULAR BALANCE TRANSFER APR26.99%* Variable
  • ANNUAL FEE$0

ADDITIONAL RATES AND FEES

Cash Advance Rate26.99%* Variable
Cash Advance Fee3%, Min: $10
Late FeeUp to $39
Penalty APRNone
Balance Transfer Fee$0
Foreign Transaction FeeNone
Return Payment FeeSee Terms*

  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200

  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It’s a credit card accepted at millions of locations worldwide

How can being an authorized user affect your credit?

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Being an authorized user can affect your credit situation in a few ways.

The accounts you’re an authorized user on will likely appear on your credit reports — most, but not all, credit card providers report account activity to an authorized user’s credit reports.

Before you’re added as an authorized user, you may want the primary account holder to ask their credit card provider whether they report authorized user accounts to the three major credit bureaus.

If the account does show up on your credit reports, the primary account holder’s actions could impact your credit for better or for worse. (Exactly how much it will affect your credit depends on the scoring model, as different models weigh credit factors differently.)

If the primary account holder has a strong history of on-time payments, this can have a positive impact on your credit. Additionally, if the account’s credit utilization rate is low, this can also be good for your credit. You can figure out your utilization rate by dividing your total credit card balances by your total credit card limits.

On the other hand, if the primary account holder misses a payment on the card, your credit can take a beating — just one late payment can have a severe negative impact. The same goes for high credit utilization on the account.

In addition to becoming an authorized user, applying for a secured card could help you build credit if your history is limited. A good option to consider: Capital One® Secured Mastercard®.









































What does it mean to be an authorized user?

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Being an authorized user means you can use someone else’s credit card in your name. You can make purchases and use the card as if it were your own, but you’re not the primary account holder.

To make you an authorized user, the primary account holder simply adds your name to their credit card account, giving you authorization to use it.

You’ll receive a credit card tied to the account, though you won’t have all the privileges of the primary account holder. For example, you probably won’t be able to make changes to the account, like requesting a credit increase or adding more authorized users.

As an authorized user, you’re not legally responsible to pay the credit card bill or any debts that build up. This is still the primary account holder’s responsibility.

What you should know about being an authorized user on a credit card

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If you’re working on your credit, becoming an authorized user on a credit card could be a good option to explore, but it’s important to weigh the pros and cons.
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At a glance: Credit cards mentioned in this article

Great for building credit Capital One® Secured Mastercard®
Cash back card that allows for joint account holders Bank of America® Cash Rewards credit

card
Becoming an authorized user on someone else’s credit card can be a simple and effective

tactic if you’re still working to establish your credit.
While it’s certainly not a substitute for building up your own credit history, it may be a good

way to give your credit a nice boost as you’re getting started.

 

The flip side? Your credit can also be hurt if the primary account holder doesn’t stay on top of their payments.

 

Before taking the plunge, here’s what you need to know about becoming an authorized user.

– Napoleon Hill

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– Napoleon Hill

Journalist Napoleon Hill, before writing this book, the 1937 bestseller, explored five hundred names that have become millionaires by their own efforts, such as Andrew Carnegia, Henry Ford and Charles M. Scwab.

Reading this personal finance classic that goes beyond your own time, you will see that controlling money requires more than reaching a certain mentality and overcoming psychological barriers, and you will learn how to draw the path to success.









































2. Automatic Millionaire – David Bach

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2. Automatic Millionaire – David Bach

One of the founders of AE Wealth Management, David Bach, who came to his current “millionaire point” with his own efforts, has reached the status of best-seller and tells us how wrong we know about money.

When you read the “Automatic Millionaire” you will see that you don’t need a budget, a lot of money, or even a strong will to be rich.









































Kötü Bir Kredi Geçmişi Nasıl Düzeltilir?

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Kredi notunuz, kredi geçmişinizin yansıması niteliğindendir. Kredi notu yükseltmek gibi faydalı hedefler belirleyerek kredi geçmişinizi olması gereken en doğru düzeleme sokabilirsiniz.

Kredi geçmişinizden 5 yıl boyunca olumsuz bilgileri silemeyecek olsanız da, gelecek yıllar için kredi geçmişinizi iyi seviyeye getirecek adımlar atabilirsiniz.

İşte kötü bir kredi geçmişini düzeltmek için bazı ipuçları:

  • Gecikmedeki borçlarınızı ödeyin ve takibe alınan bakiyeleri kapatın.
  • Borçlarınızı mutlaka zamanında ödeyin.
  • Kredi geçmişinizi düzeltmeye devam etmek için birkaç aktif ve pozitif hesap bulundurun.
  • Limit kullanım oranızı %10 ile %30 seviyesine düşürün.

Son olarak, herhangi bir kötü finansal işlemin kredi geçmişinize zarar verme potansiyeli olduğunu unutmayın. Kredili ürünlerinizi sorumlu bir şekilde kullanın ve kredi geçmişinizi yıl boyunca düzenli olarak takip etmeyi sürdürün.

Kredi Geçmişi Hakkında Bilmeniz Gereken Her Şey

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Kredi almak, kredi kartı limiti yükseltmek ve daha fazlası için bir hayli önemli olan kredi geçmişi hakkında bilmeniz gerekenleri öğrenin.Yazar Berk Bolat -3 Mayıs 2019

Kredi veya kredi kartı başvurusu yaptığınızda, kredi kartı limitinizi artırmak istediğinizde ya da kredili bir mevduat hesabı açmaya karar verdiğinizde bankalar tarafından dikkate alınacak ilk husus kredi geçmişiniz olacaktır.

Kredi geçmişi bir nevi finansal hayatınızın özeti niteliğindedir. İşte tam da bu nedenle bugün yaptığınız ve gelecekte yapacağınız kredili ürün (ihtiyaç kredisi, kredili mevduat hesabı, kredi kartı gibi) kullanımları açısından kredi geçmişi son derece önem arz etmektedir.

Kredi Geçmişi Nedir?

Kredi geçmişi, bir kişinin kredili ürün kullanımları, toplam borç yükü, kredi limiti ve ödeme zamanlamaları da dahil olmak üzere geçmişte kredilerini nasıl yönettiğinin bir kaydıdır.

Bankalar, bir kredi başvurusunu ya da kredi kartı limit artırım talebini onaylayıp onaylamama kararı almak için potansiyel bir müşterinin her daim kredi geçmişine bakar ve buna göre karar alırlar.

Türkiye’de pek yaygın olmasa da gelişmiş ülkelerin birçoğunda, işverenler ve ev sahipleri, iş adaylarını veya potansiyel kiracıları değerlendirmek için de kredi geçmişine bakmak isteyebilirler.

Kredi geçmişi açılış tarihi fark etmeksizin tüm aktif kredili ürünler ile son 5 yıl içerisinde kapanan tüm kredili ürün bilgi ve detaylarını kapsar. Öte yandan yasal takibe alınmamış fakat halihazırda bakiyesi kapanmamış kredili ürünler, 5 yıldan daha eski olsa dahi kredi geçmişi kapsamında yer alır.

Kredi Geçmişi Nasıl Oluşur?

Bir kredi geçmişi, kullandığınız kredili ürünlere dair ayrıntılı bir bakış sunar. Kredi Kayıt Bürosu, kredi geçmişinizi düzenli olarak izler ve isteğiniz üzerine veya kredili ürün başvuruları ya da taleplerinizi gözden geçirmesi gereken bankalar gibi diğer kuruluşlar için, kredi geçmişinizi kapsayan ayrıntılı kredi raporları hazırlar.

Kredi geçmişiniz, banka ve finans kuruluşları tarafından size karşı alınan yasal takipler, mahkeme kararları veya hacizler gibi olumsuz eylemlerin yanı sıra, mevcut borç, kredi limitleri ve kullanılan kredili ürünlerinin çeşitliliği gibi birçok ayrıntıyı da kapsar.

Bütün bunlarla birlikte, kredi geçmişinizde yer alan bahsettiğimiz bu bilgiler, kredi notunuzun hesaplaması için de kullanılır. Muhtemelen bildiğiniz ya da tahmin edebileceğiniz gibi, yüksek bir kredi notu daha iyi bir kredibiliteye yani kredi vermeye uygunluğa işaret eder.

Daha önce hiç kredili ürün kullanımı yapmadıysanız, muhtemelen bir kredi geçmişiniz olmayacak ve kredi notunuz hesaplanmamış olacaktır. Kredili ürün kullanımı yapmaya başladığınız takdirde de bir kredi geçmişiniz oluşacak ve kredi notunuz hesaplanacaktır.

Kredi Geçmişi Neden Önemlidir?

İyi bir kredi geçmişi, kredi almanızı, kredi kartı almanızı ya da en basitinden kredi kartı limitinizi yükseltmenizi kolaylaştırır. Kötü bir kredi geçmişi de kredi almanızı önleyebilir veya diğer benzer seçeneklerinizi önemli ölçüde azaltabilir.

Gecikmiş ödemelerle dolu bir tarihçeniz varsa veya yasal takibe alınmışsanız ya da idari/kanuni takibe düşmüşseniz, kredi almaktan kredi kartı limitinizi yükseltmeye kadar pek çok sorun yaşayabilirsiniz.

Olumsuz bilgilerin çoğu, kredi geçmişinizde beş yıl boyunca görünür. Bu açından ele alındığında kötü bir kredi geçmişinin tamamen düzeltmesi için uzun bir süre gerekebileceğini söyleyebiliriz. Bu da kredi geçmişinize dikkat etmenizin ne denli önemli olduğunu açıkça göstertiyor.

5 Ways to Get Rich from Your Seat

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You can take the first step on your way to prosperity from your place of residence by taking a little sacrifice.

Author Berk Bolat – 4 March 2019

 
If you want to make more money and prosper faster, we have highly effective advice to help you with this. However, each of these recommendations requires you to make some sacrifices.

With a few small adjustments you can bring to life by making small sacrifices, you can quickly get rich from your seat. Now sit back, relax and start to look at our advice.

 
1.Pay Yourself First
As David Bach, a financial expert and author who has become a millionaire on his own, you must start paying yourself first. This means that you see your savings as an invoice or debt that has to be paid. Therefore, you have to allocate a certain amount each month for savings.

To pay for yourself, you should consider opening a savings account at a different bank instead of your favorite bank, for example a salary account, and automatically transfer the savings amount you set to this savings account. As Bach says, you can start saving more easily by regularly transferring a certain amount of your salary directly into your savings account.

The way you pay yourself makes it a lot easier to save money.

  1. Increase Your Private Pension Premiums
    Private Pension System (BES) is one of the most advantageous ways of investing with low effort and cost. Thanks to various types of funds, it is possible to invest in PPS according to preferences and expectations from gold to stocks. Moreover, the state contribution paid in addition to the PPS premiums is an important advantage of this system.

If you want to save and invest with low effort and cost, you can create a suitable PPS plan for yourself. Once you’ve paid yourself, you can take things one step further by increasing your PPS premiums every year to further increase the value of your savings and investments.

If you intend to participate in PPS or are already in the system, you should try to increase your premiums by certain rates every year. This will increase your state contribution in addition to your premiums.

You should also make sure that your funds have the right distribution. BES is advantageous, but you must know your rights to make the most of these benefits. For example, the option to change your pension company or your funds three times a year is an example of the rights you need to know if you need to.

  1. Try Your Favorite Methods to Invest
    Great investment opportunities where you can make money with money can come anywhere, at any time, or opportunities may shift to different areas at times. Mutual funds are one of the best ways to utilize these investment opportunities, requiring low cost and effort.

Mutual funds are not only cost-effective, they are also managed by professionals. You just invest and focus on performance. For example, you do not need to buy or sell shares in certain companies or follow them continuously.

There are many mutual funds that you can buy. You can make specific choices from stocks of companies traded on Borsa Istanbul to funds that include company stocks traded on foreign stock exchanges. For example, Apple, Microsoft and Netflix, such as global technology giants, including technology stocks and even invest in funds that you can see the opportunities you see in these companies.

You can also opt for gold funds or principal protected funds if you want to watch cruise in safer ports. Funds are generally suitable for every investor due to their low cost and low effort requirements. However, funds are also one of the best ways to diversify the portfolio.

  1. Create Passive Income Flow
    In Robert Kiyosaki’s best-selling individual finance book Rich Father Poor Father, the logic and importance of generating passive income streams are conceptualized with the words “the rich make money” and “time is more valuable than money”. The author did not better explain the logic and importance of passive income.

Making money from your residence or even while you sleep is the most understandable definition of passive income. If you have passive income, you will still make money while reading these lines. You win when you sleep. Passive income is fully automated, once created, it automatically saves money on a regular basis.

Generating passive income initially requires some effort, but once you do so, the rest is easy. There are many ways you can generate passive income today. For example, businesses that generate passive income from the Internet are very common and each of them can be implemented

Should Investors Worry About Facebook’s Long-Term Future?

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On July 25, 2018, Facebook (NASDAQ: FB) shares reached an all-time high of $ 217.50, representing a gain of more than 450 percent compared to the initial public offering. At the time, Facebook seemed to be the strongest investment compared to all social media companies.

Other industry giants such as Twitter (NYSE: TWTR) and Snap (NYSE: SNAP) have fallen since the initial public offering of stock prices, reflecting concerns about the applicability of business models. However, Facebook had a positive and steady increase in earnings, return on equity and reasonable valuation rates. What could go wrong?

 
Actually, it’s too much. A lot went wrong. As you know, the 2018 Cambridge Analytica data leak, a series of scandals and internal power struggles have led Facebook shares to fall over the past year.

So, what exactly is happening on Facebook? Should investors be worried about the company’s long-term future?

Data Leaks
We need to start with data leaks to tell us about Facebook’s latest troubles.

The Cambridge Analytica scandal, where a British political consulting firm took and used the personal data of millions of non-consenting Facebook users, became the largest and most well-known Facebook data leak. But not only that.

Many Facebook employees who suffered ethical dilemmas due to the Cambridge Analytica scandal demanded transfer to other departments of the company, such as Instagram and WhatsApp. Many employees whose demands were rejected resigned. It was claimed that Facebook employees resigned because they could not withstand this ethical pressure.

In addition, according to Reuters’ report, a team of 260 people under a project, all Facebook posts, one by one, and more specifically sent to the analysis of these messages appeared to be included. Moreover, this team was not composed of Facebook employees, but external employees.

More recently, a journalist from the Daily Beast deciphered the identity of the person who created and published the scandalous video of US House of Representatives Nancy Pelosi, with the help of a Facebook employee who had access to private user data.

Other infiltrations other than Cambridge Analytica may seem relatively minor, but in general there is a much bigger problem: Facebook does not do much to prevent more than 35,000 employees from misusing access to sensitive information.

Antitrust Investigations
There are other social media platforms, but no other Facebook. The only social media platform with a comparable number of users, Instagram, which is also a Facebook subsidiary.

Given the dominance of Facebook and its control over the personal data of billions of people, antitrust investigations against the company do not seem surprising.

Chris Hughes, one of the co-founders of the company, recently said that Facebook should be split in order to gain competition and accountability in the social media sector.

This idea is being thought through. Last Monday, lawmakers in the US House of Representatives announced they would monitor Facebook and other major technology companies in this sense.

Facebook shares more than 7 percent on the day of this disclosure

fell.

Shareholders’ Rebellion


Mark Zuckerberg is at the center of all this chaos. Last week, at the annual shareholder meeting of Facebook, Zuckerberg, 35, represented the majority of the company because of his shares.

Facebook’s B-type stock structure makes it impossible to fire Zuckerberg unilaterally. Although the majority of shareholders want him to go, Zuckerberg can veto such proposals alone, as he controls roughly 60 percent of the vote.

Facebook’s share is definitely well managed and has a reasonable value. In addition, the company has a low price gain ratio and high return on equity.

However, given the possibility of more data leaks, the risk of antitrust investigations and shareholder revolts, one can easily say that the worries are not irrelevant and now is not a good time to buy more shares from Facebook.