Stuff YOUR Wallet with CASH & CARDS!

Click Here to unsubscribe from our mailing list | Privacy Policy

*This website does not constitute an offer or solicitation to lend or an application to lend. StuffMyWallet is neither a lender nor any other banking or lending institution. We do not make loans, nor do we make cash advances or credit decisions, nor do we broker loans to lending institutions. We make no guarantees or warranties with regard to the availability of any particular loan, nor whether any person qualifies or may qualify for a loan. We do not endorse any particular loan source, loan provider or loan product.

Typically the payday loan source(s) advertised on this website will not perform credit checks with the three credit reporting bureaus: Experian, Equifax, or Trans Union. Credit checks or consumer reports through alternative providers may be obtained by some loan sources. Typically, these reports will not affect your credit score.

**Not all payday loan source(s) can provide up to $1,000. This site will match you with payday loan source(s) based on your requirements. StuffMyWallet is not an agent or representative of any service provider and does not endorse any service or product. Cash transfer times may vary among payday loan source(s). In some circumstances faxing may be required by certain loan providers as part of their loan process. Completion of this form in no way guarantees that you will be approved for a loan. The service offered by this Website may change from time to time and without notice.

See the online application for more information about the terms and conditions for all credit card offers. After clicking on the offer you desire you will be taken to the credit card issuer's web site where you can review the terms and conditions for your selected offer

How to Qualify for a Credit Card

Getting a credit card isn't as simple as filling out the application and getting approved. Credit card issuers have criteria they consider for each credit card applicant. Before you apply for a credit card, it helps to know how to qualify for a credit card. That way, you can estimate your chances of getting approved.

Make sure you're old enough for a credit card.

The legal age to qualify for a credit card on your own is 18. However, if you want to get your own credit card when you're under 21, you need to have your own steady source of income before you can be approved for a credit card. Otherwise, you'll have to have someone co-sign with you.

The law doesn't specify that you have to earn a full-time wage to get a credit card. You can put your annual earnings from your part-time campus on your credit card application. If it's high enough, the credit card issuer will consider you for a credit card.

Have your own income.

The new restriction means you can't put your spouse or parent's income on the credit card application unless you're applying for a joint credit card, even if they give you money every month. Having a reliable source of income gives you the ability to pay for the credit card purchases you make. Not only do you need to have your own source of income, your monthly income should also be high enough for the credit limit you're asking for.

Have a positive credit history.

A good credit history will help you get approved for a credit card. The better your credit score, the more likely it is that you'll be approved. Some credit card issuers only approve applicants who have spotless credit reports. Others will approve you application as long as your late payments aren't in the past two years.

Having a negative credit history with a specific credit card issuer could keep you from getting approved with that same issuer. For example, if you had a charge-off with a prior American Express credit card, you may not get approved for a new Amex credit card.

Don't worry if you don't have the best credit - there are credit cards that approve applicants you have bad credit history.

Don't have a lot of debt.

Credit card issuers will consider the amount of your other credit card balances and loans before they approve your application. If your credit utilization is too high, you might be denied. How much debt is too much varies by credit card issuer and by credit card, too. Aim to keep your credit card debt below 30% of your credit limit.

Credit card issuer may compare your debt to your income to decide whether you can afford another credit card balance. A high debt-to-income ratio would indicate that you don't have enough income to pay back another credit card balance.

Get a co-signer.

If you can't qualify for a credit card on your own - because you're not old enough, you don't have sufficient income, or you have bad credit - you can ask a friend or family to co-sign your application. The co-signer has to meet the credit card's qualifications for both of you to be approved.

When you ask someone to help you get a credit card, realize that person is taking a risk by co-signing for you. If you don't pay the balance back, they co-signer will be responsible for the balance.

Save up a security deposit.

People with new credit or bad credit, who can't get approved for a regular credit card, may have more luck with a secured credit card. The secured credit card requires you to make a security deposit against your credit limit before you can be approved. After about a year of timely payments you may qualify for an unsecured credit card, presuming no other negative information is added to your credit report

Many secured credit card issuers will accept a security deposit as low as $300. If you don't have that much, start setting aside $50 to $100 each month until you have a good security deposit saved up.

Source: About.com

A Payday Loan

A Payday loan (also called a Payday advance) is a small, short-term, loan secured against a customer's next pay check.[1] The loans are also sometimes referred to as cash advances, though that term can also refer to cash provided against a prearranged line of credit such as a credit card. Pay day advance loans rely on the consumer having previous payroll and employment records.[2] Legislation regarding payday loans varies widely between different countries and, within the USA, between different states.

The Payday Loan Process

The basic loan process involves a lender providing a short-term unsecured loan to be repaid at the borrower's next pay day. Typically, some verification of employment or income is involved (via pay stubs and bank statements), but some lenders may omit this. Individual companies and franchises have their own underwriting criteria.

In the traditional retail model, borrowers visit a payday lending store and secure a small cash loan, with payment due in full at the borrower's next paycheck. The borrower writes a postdated check to the lender in the full amount of the loan plus fees. On the maturity date, the borrower is expected to return to the store to repay the loan in person. If the borrower does not repay the loan in person, the lender may redeem the check. If the account is short on funds to cover the check, the borrower may now face a bounced check fee from their bank in addition to the costs of the loan, and the loan may incur additional fees and/or an increased interest rate as a result of the failure to pay.

In the more recent innovation of online payday loans, consumers complete the loan application online (or in some instances via fax, especially where documentation is required). The loan is then transferred by direct deposit to the borrower's account, and the loan repayment and/or the finance charge is electronically withdrawn on the borrower's next payday. According to one source, many payday lenders operating on the internet do not verify income.