Georgia Cash Advance Online
You have probably already asked yourself this question: Is it better for my credit score to have only one credit card or many? What is needed for cash advances in Georgia? Get the information that will clear your doubt. Compare the advantages and disadvantages of having multiple credit cards.
Nowadays it is common to have several credit cards. In fact, according to Experian, Americans have an average of 2.3 cards per person. But is it good to have several credit cards? These are some things to consider:
Advantages of having several credit cards cash advance in Georgia
• You can choose the card to use depending on the different rewards that each one offers. For example, you can use a card to earn refunds of cash or points you can use for travel purchases, while another card can be a good option if you offer better product guarantees or purchase protection.
• If you travel abroad, having several credit cards allows you to have a backup card. This is very useful in case your main card is not accepted in your destination. Use cards that use smart chip technologies having greater security and acceptance.
• You can save money on interest charges by transferring the balances of your credit cards to a new card with a lower APR rate or a promotional rate.
• If a credit card is lost or stolen, it is helpful to have another card available in case it takes more than a day to receive a replacement card.
• You can have a separate credit card only for online purchases. This can help you keep track of your expenses and allow you to be on the lookout for identity theft or fraud.
Popular lenders across Georgia
- Atlanta
- Columbus
- Augusta
- Macon
- Savannah
| # | Company | Address | City | Zip | Phone | Rating |
|---|---|---|---|---|---|---|
| 1 | Cynergy Financial Management | 1201 Peachtree St. NE, Suite 200 | Atlanta | 30361 | 770-615-8480 | |
| 2 | Equity Auto Loan | 4667 Buford Hwy | Atlanta | 30341 | 678-502-7248 | |
| 3 | Cherokee Funding | 3424 Peachtree Rd NE, Ste C100 | Atlanta | 30326 | 404-495-7400 | |
| 4 | Lakewood Check Cashing | 1959 Lakewood Ave SE | Atlanta | 30315 | 404-627-7407 | |
| 5 | ADR Financial Svc | 1260 Glenwood Ave SE | Atlanta | 30316 | 404-521-1434 |
| # | Company | Address | City | Zip | Phone | Rating |
|---|---|---|---|---|---|---|
| 1 | Northside Pawn Shop | 1648 Manchester Expy | Columbus | 31904 | 706-322-0561 | |
| 2 | E Z Rental & Check Cashing | 1901 Manchester Expy | Columbus | 31904 | 706-507-2195 | |
| 3 | Title Credit Finance | 3580 Buena Vista Rd, Ste C | Columbus | 31906 | 706-689-1166 | |
| 4 | Uptown Loans | 1226 Broadway | Columbus | 31901 | 706-494-0023 | |
| 5 | Lendmark Financial Service | 6770 Veterans Pkwy, Ste M | Columbus | 31909 | 706-327-8708 |
| # | Company | Address | City | Zip | Phone | Rating |
|---|---|---|---|---|---|---|
| 1 | Georgia Auto Pawn | 2631 Peach Orchard Rd | Augusta | 30906 | 706-798-0088 | |
| 2 | Empire Financial Service | 903 Greene St | Augusta | 30901 | 706-724-1836 | |
| 3 | Augusta Cash Advance | 1283 Broad St | Augusta | 30901 | 706-432-3920 | |
| 4 | Farmers & Merchants Bank | 3861 Evans To Locks Rd | Augusta | 30907 | 706-863-5500 | |
| 5 | Empire Loans | 903 Greene St | Augusta | 30901 | 706-550-9076 |
| # | Company | Address | City | Zip | Phone | Rating |
|---|---|---|---|---|---|---|
| 1 | A1 Action Cash | 4693 Log Cabin Dr | Macon | 31204 | 478-785-2130 | |
| 2 | Discount Check Casher Of Georgia | 1411 Rocky Creek Rd | Macon | 31206 | 478-785-1222 | |
| 3 | Macon Cash LLC | 3355 Pio Nono Ave, Ste 6 | Macon | 31206 | 478-812-8999 | |
| 4 | Community Finance & Loans | 1211 Gray Hwy, Ste B | Macon | 31211 | 478-750-7680 | |
| 5 | Pioneer Credit Co | 424 Cherry St | Macon | 31201 | 478-746-3525 |
| # | Company | Address | City | Zip | Phone | Rating |
|---|---|---|---|---|---|---|
| 1 | Barnett Finance Co Inc | 7302 Abercorn St, Ste 3 | Savannah | 31406 | 912-692-0008 | |
| 2 | Discount Check Cashers | 6605 Abercorn St, Ste 205A | Savannah | 31405 | 912-353-8857 | |
| 3 | Garda Cash Logistics | 4849 Paulsen St | Savannah | 31405 | 912-354-4003 | |
| 4 | Savannah Cash Advance | 1900 E Victory Dr, Ste 5 | Savannah | 31404 | 912-303-0322 | |
| 5 | Guarantee Finance | 310 Montgomery Xrd, Ste 12 | Savannah | 31406 | 912-356-9900 |
Whether you live in Georgia or in any other state, you can always get approved for a cash advance online.
Start NowIf you have several credit cards, you should be aware of some things
• If you have several credit cards cash advances in Georgia, you may end up with cards you do not use. If your cards are inactive, they can negatively affect your credit. (Check with your card issuer to know what inactivity is). Some cards also charge annual fees. Make sure you understand the conditions of all your accounts so you can plan according to that information.
• It is easier to accumulate debts when using several credit cards. Be sure to use your cards as planned. If you have a new card with a low APR rate to consolidate debts with a lower interest rate, do not use the additional credit card to borrow more.
• If you start requesting multiple cards in a short period of time, it can negatively affect your credit score. Instead, investigate a little before requesting another card.
• Try to avoid applying for a new credit card as a solution for other financial difficulties. This strategy can later result in a debt that is more difficult to manage.
• Possessing multiple credit cards implies that it is more difficult to manage your credit score. Costly fees are incurred when you pay the wrong amount into a card or miss due dates for payment. Having interest rates can be charged when you miss multiple payments and can damage your credit score.
Tips for managing multiple credit cards
Remember, having several credit cards does not necessarily mean that it will negatively affect your credit score. Just keep in mind a couple of simple things to make sure you get the most benefit from your cards:
• The most important thing is to pay on time. When you have several cards, you can manage multiple accounts with online banking tools.
• Do not use all your available credit. Try not to use more than 30 percent.
Is it harmful to have too many credit cards?
It is common for people who have high paying jobs to have multiple credit cards in their wallet and when they put their credit to good use they have high credit scores. Recall that high scores are between 700 and 850, and low scores around 300.
In other words, you can have many credit cards and not ruin your credit score if you keep balances low relative to the credit limit you have.
Does your credit score drop when you apply for many credit cards?
Your score can be affected when you apply for new credit and also for the number of recent verifications that are made to your report. And we do not refer to the verifications that are made because you are asking for a student loan, to buy a car or a property, but to the checks for credit card applications.
Now, if your credit history is good and you have kept it that way for many years, asking for another credit card should not affect you.
Conclusion
It does not matter if you have only two cards or more, the secret is in the use of your credit: the more credit you have available on your cards in relation to your monthly expenses. Paying back your cash advances in Georgia on time will increase your credit score. You can learn more about the law that stipulates that you have the right to request a free copy of your credit report once a year from one of the three major credit reporting agencies. Be very careful to request your report on another website, because you could be a victim of fraud.
Cash advance in Georgia is very important, so research, inform yourself and consult with experts and on websites that have reputation and credibility.
