Free credit cards are great and are offered almost everywhere these days. In fact, they have become so popular that many banks are giving out hundreds of dollars in cash incentives to those who apply for them. The problem that many people run into when it comes to this type of offer is that the only way that they can actually get a hold of one of these “free” credit cards is if they cosign a credit card application with the bank. So can you take an online exam for a credit card with no cosigner?
Unfortunately, the answer is no. An F-E Credit Card exam can be taken at any time, so no matter how desperate you are to get one of these credit cards, you can’t do it. However, you can get an F-E Credit Card after you have been working with your bank for a certain amount of time. In this case, you can ask the bank about an F-E Credit Card application.
If you do not have a credit history yet, there are still other ways for you to qualify for one of these credit cards. If you are at least 18 years old and a full citizen of the United States, then you can apply. If you are not of legal age, but at least a full citizen, then you can apply if you have a job and have some income. There are many different credit card companies out there, so it is very unlikely that you will not find one that will give you an opportunity to apply.
Now, if you don’t qualify or have one of these cards, then what can you do to get one? There are many options, but the most popular way that people get an F-E Credit Card is by getting a cosigner. What this means is you will need to sign a contract stating that you will pay the credit card company if they fail to grant you an F-E Credit Card. A lot of people don’t think that this is a good way to get a credit card, but it is. If you can convince a bank to give you an F-E credit card, then you are in the clear and may be able to get anything else that you want.
The way that a cosigner works is that they are taking on the risk. This means that if they cannot pay off the credit card bill, then you will not have paid anything to the cosigner either. This makes the card a win situation for both parties. The bank gets more money and the cosigner gets to use a credit card. It really does sound good to me.
So if you think that you would benefit from getting an F-E Credit Card, the best way to go about finding one is going online and searching for them. You should be able to get the information that you need fairly quick, but you should always look at the fees and interest rates as well. Sometimes the higher interest rate will end up costing you more money than if you were going for an actual credit card.
It may seem like a pain to go through the F-E exam, but it is just a necessary evil. If you do not pass then at least you will know that you have done your preparation. I am not saying that you should ignore the exam, but you also need to go into it with a clear head and a positive attitude. If you do, you are going to have a great chance of passing the exam and getting a card.
