CREDIT APPLICATION APPLICANT APPLICANT'S RESIDENCE 2014-2026

Look no farther than AmazonIf you are a frequent Amazon customer, as I was, you will have seen many prompts trying to get you to sign up for their rewards card. I didn’t really have a need for a credit card but I figured I might as well get the $70 or so as well as the cash back for signing up for a rewards card.I’m only 18 so I figured there was a high chance of being denied. I entered my information and was promptly denied. For some reason the prompts kept being displayed on my checkout pages, so after a month or so I applied again. Denied.Oh well… I thought.But one day I saw a new rewards card pop up. Rather than being through Synchrony Financial, this one was through Chase. Since I have no credit, it was reasonable that I was getting rejected. However, I currently have a Chase College Student Checking account and have had a Business and Savings account with them in the past. Because I was a current account holder I figured I would have a better chance.I applied one last time only to get waitlisted…? (I read too many college application questions)Waitlisted in this setting meant they needed to further review my application. I wasn’t very optimistic about the outcome but a few days later I found out I had been approved!My very first credit card: An Amazon Rewards Visa..How times have changed.Note: This only works with Chase, at least to my knowledge. You also do not need a cosigner for this method.

Get a secured credit card.This is one that require you to put up the money first, say $1000. Then the bank holds those funds and you can have a $1000 line of credit that you will then have to pay in addition to the $1000 they are already holding as collateral.Here’s a better idea.Convert half of your funds to Cryptocurrency. It’s a bear market but we are beginning to see the Bulls On Parade!!!Once your funds are in Cryptocurrency like Bitcoin or Ethereum. Kick back and watch your money grow as the seeds of revolution continue to take hold and blossom around the globe.If you needed to access your Cryptocurrency via a debit card try the BitPay Bitcoin Debit card.

First thing first “Finalizing the Visa Consulate”:If you are planning to tour more than two countries in the Schengen area then apply for visa to the embassy/consulate of the country you will be residing in for most of the travelling days, often referred as the main destination. If two countries have the same number of days then choose the one where you are planning to land or exit.In case you do not have a fixed itinerary (not recommended, though), and you plan to visit several countries in the Schengen area randomly, then apply to the embassy/consulate of the country which you are entering first.Since now you know which embassy you need to apply, next is how to apply and what are the documents required.Long trail of documentation:The most painful part is this, where you need to prepare the documentation. I will keep the checklist simple and provide rationale on why they ask for the particular document which will help you understand the significance of it and you can produce a substitute, if possible and required1) Valid passport (issued within the last 10 years and with at least 3 months validity after the scheduled return; passports with observations regarding the front data page are no accepted) with at least two empty pages Nothing much to say, of course you need a valid passport. Since the maximum stay with a Schengen visa can be of 90 days, so 3 months validity is required on the passport. Two blank pages, because one will have Visa sticker and the other page will have Indian immigration stamps and the stamps from the Schengen country where you are landing and exiting.2) 2 passport pictures according to biometric specifications, not older than 6 months Go to the studio and get a photo of the dimension 35 mm in length and 45 mm in height. Your face (the start of the hairline in the forehead till end of your chin) should be between 32 mm to 36 mm. Get the photo in a light background, white is preferred. Detailed information can be obtained here Cheap Tip: Do not go to any fancy studio and spend a bomb on just the photo. The consulate needs a clean and clear photo with the above mentioned specifications (which are very general) and not for featuring you as a playboy model, so save the buck.3) Leave letter of your company (if employed)This letter serves as a proof of return to your own country, so make sure the letter clearly states your designation, since when you are working with the company, leave dates (mandatorily covering your entire stay), date on which you will resume your duties.No-objection certificate of school or university (if student) This is pretty much same as the above.4) Proof of financial status If employed:Payslips of the past three months / employment contract Provide either of them, not both. Provide three latest Payslips, as it clearly states how much you are earning and if you are capable of surviving a European trip. This document helps the Visa officer gauge your financial status and also validates that the money earned is legal.If self-employed:Certificate of Proprietorship or other proof of ownership (proof of land title, proof of income from agriculture (sales form) etc.) 5) Income Tax Return (ITR) form or Form 16(Certificate of Income Tax deducted at the source of salary)It ensures that all the fund in your bank account is earned legally. Though my experience is that, they hardly care how you have earned the money. If they see there is enough fund available in your account then they are fine.6) Personal bank statement of the past three months with sufficient fundsHere they look into couple of things; first, money in your account is sufficient to cover your entire stay in Schengen area during your travel period. Second, the fund has not been deposited all of a sudden to inflate the available balance. I have written below in detail on how much you should show in your bank account, so keep reading. The bank account statement can be online, but make sure it is a bank statement with details of transaction and not just an account summary. You can show travelers cards (with statement stating available balance), credit card statement, and fixed deposits in your name or joint accounts. If anyone is sponsoring you (like your father or mother), a sponsoring letter addressed to the consulate from him/her and his/her bank statement for last 3 months.7) Proof of accommodation for your entire stay in the Schengen area.This is vital, I have read and heard personal experiences where the Visa has been cancelled due to discrepancy in accommodation arrangements. Make sure you have confirmed hotel bookings with details of the property owner/manager and property details (address). If you are staying at friends/relatives place then copy of their passport (with valid residence permit, in case of non-EU citizen) and an invitation mail will be sufficient as long as you are sponsoring your own stay.8) Flight and transport reservation Again, very vital. Many applications got rejected because of fake bookings. DO NOT make a fake reservation. Search for flights which has minimal cancellation charges and book your flights well ahead of travel date (45-60 days prior) to get a good deal. If you are travelling within Schengen countries then it is advised to show them train/bus bookings for inter-nation travel. One need not show travel details within the country, say if you are travelling within Italy (Rome to Florence) then need not show prior bookings. But if you are travelling from Italy to Switzerland then it is advised to show a confirmed booking.9) Travel Insurance Vital to get visa and also for your own sake. If something unwanted happens and you need to avail medical services then you will be ripped off everything as healthcare is expensive in whole of Europe. The travel insurance must cover Euro 30, 000.00 in case of hospitalization and must cover emergency medical evacuation and repatriation of remains. The list of approved travel insurance companies can be fetched here.10) Proof of civil status Marriage certificate, birth certificate of children, death certificate of spouse, ration card if applicable or Aadhaar Card.11) 1 copy of your passport’s data page Print the first two pages and last two pages of your passport in an A4 size paper.12) Residency proof, if address in the passport falls outside the jurisdiction region of the consulate: Which consulate or which region you can apply? You can apply at the region (North, South, East or West) where you are residing for last 6 months.This is something none of the blogs available in the internet have mentioned clearly. In case you are a domicile of different region and applying at a different region (domicile of Uttar Pradesh, North and working in Bangalore, South for last 3 years), or simply if the address mentioned in your passport does not fall under the jurisdiction region of then consulate then you need to provide either a copy of your rent agreement, or a letter from your company HR clearly mentioning your address or some utility bill (electricity, water or telephone bill).13) Duly filled application form Kept at last, because it is important. You can either fill an online application (recommended) or also can fill an offline application. German consulate online application can be filled here , similarly other Countries’ application form can be found in the respective VFS website. Self-Declaration Form can be found here, required only for German consulate. It is recommended to fill the online application form, it not only saves time at the application center but also legibility is better than the handwritten one.14) Cover Letter A letter addressed to the consulate you are applying. It must contain the followingPurpose of visit (tourism, visiting friends or family)Detailed itinerary If you have a sponsorExplain your personal relationship with your sponsor and the reason why they will be sponsoring your tripIf you cannot submit any of the required documents, write about the reasons why you cannot submit and explain alternative documents that you may have submittedYou can also mention the reasons why you will not overstay the visa period (employment, personal assets, etc.), explain your rootedness to the countryCool Tip: You can attach the itinerary separately which will enhance the readability of your letter.Write to me at universallocalite@gmail.com if you require a specimen cover letter or template of itinerary, I will be more than happy to help you with one.Visit my blog-How to obtain a Schengen Visa-Rules and tips

Almost everything you read about this will say that this is credit card fraud. This situation is more unique, because your friend did the lying on your behalf; it’s not obvious if you knew your friend was doing this and to what extent you were complicit. The question becomes if you have a duty to correct? — I’m not an attorney, so I’m going to skip over that, for the most part, and go to something else. Renunciation is something that can mitigate but likely will not obliterate your culpability in the matter if you had intent to defraud the bank issuing the card. If you conspired with the friend, then the overt act is submitting the application; still, the question is whether you knew about what the other party was going to do (that was illegal) beforehand.If you’re not very good at this kind of stuff, but you have a friend who’s the CFO of a corporation, and you ask the friend for his help and expertise, and you’ve provided him with information for use in filling out the application, and you were honest in what you provided to him, then if he chose to get creative with your income level, at what point did you know? Was it prior to pressing <>?If you were to go to a local FDIC-insured bank, the likelihood that you are going to fill out an application for credit and get approved with the bank officer performing no due diligence beforehand, like asking you for a recent pay stub and your last year’s tax return, among other things, is nil. The bank and its officers have a duty to the federal government to ensure that they’re not being defrauded.Not all credit cards are so obviously associated with certain banks. Your card may say American Express, or it may prominently show Bank of America AMEX. Any institution — heck, any person — can brand a credit card and issue them. Citicard is a brand and a bank. What is Discover? — Not so obvious.My point is that I believe consumer debt has more regulation waiting for various legislative bodies to enact.If you are Bank of America issuing credit cards via potentially instant-decision online access application portals, do you not have a duty to verify some things first? Is the person already a customer of BOA? Even if that’s so, has any material financial change happened since the last extension of credit was approved?Credit card debt is bundled up and securitized and sold to domestic investors and all the way to midnight snack vendors in Asia. Like — the mortgage-backed securities that were pumped and dumped leading up to the Great Recession of the last decade; and, let’s be honest. That is still going on today.However controversial it sounds, and I predict the level to which it does depends on self-referencing labels, like liberal or conservative, the term Consumer Bill of Rights comes to mind. Perhaps, you — the consumer — have the right for your applications for credit to be given the attention most anyone except a loan shark would consider mandatory prior to approving such applications.Banks like BOA got in trouble, and are still getting into trouble, for what they did in the past regarding the order of posting of electronic transactions, like debit card transactions, such that, in the case of your account balance going negative, the number of overdraft fees they could charge you would be maximized. That was ruled predatory, unethical, and — at least civilly — unacceptable. Regulation E comes to mind.Allowing people to apply for credit cards online, as if shopping on Amazon, with no requisite checking of the application prior to notifying the consumer that his application has been approved and giving him a credit limit — smells like something I’ve seen before that, in the end, was stopped.My guess is this is occurring, at the moment (aka since 9/11/2001), due to the prolonged and historically low risk-free interest rate, like the Fed’s window rate or LIBOR — some sort of benchmark rate. Banks and investors want to earn more on their money, and 29.99% APR credit cards serve that purpose.I agree with the other people so far; if you don’t default often or file for bankruptcy, and you do what you’re supposed to do, not only will it be unlikely that you will get in trouble; you’ll probably get a credit limit increase.At the moment this is likely credit card fraud, and it might be worth your time to call the card issuer and explain the “mistake” on your application.In the long run, I expect Congress to impose regulations on these instant-decision credit extensions for the benefit of the consumer. A case can be made that it’s as much the bank’s fault as it is yours if you lie on the application; they have a duty to check for your lying to the best of their abilities, but that’s not necessarily the way the law reads currently.They’ll get fined billions in the next decade, which is about when they’ll have a new scheme to make many more billions than the pittance they have to pay in fines for screwing stupid people over.No offense! — And, good luck to ya!

Do you have power of attorney?Are you their legal guardian?Are you doing it for the purpose of committing fraud?Has the other person given their consent?Consider the following:Forgery is only forgery if the person whose name was forged says it’s forgery.If you endorse the back of a check with your spouse’s name and your spouse is totally ok with that. You haven’t committed forgery.

Only if you want your application to be approved.Stp to think about it. Once you use the card and make a payment, they will know what bank you use anyway. In the meantime, if you don't provide the information they request, the will turn down your application.

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