Are you planning on applying for a loan anytime soon? If yes then here is something you might want to consider: when you go to meet with the loans officer make sure you are in a relaxed mood and have all the documentation and numbers that might come up on the course of discussing the approval of your loan. Going through the loan aplication process can be quite stressful and if you are prepared then it will go much smoother and you will have a better chance of recieving a personal loan or mortgage. You must also remember that whomever is responsible for approving your loan will be working from a general set of financial critera but they also have their own job performance on the line and don’t want to be responsible for approving a loan that might be defaulted on.

I am a big fan of credit cards in genreal and I also support using credit cards for gas, but here is a major pet peeve I have when using my Paypal Mastercard for purchsaing gas. For some reason when I proccess the card at the pump it always dials in for approval of a $75 minimum charge and then because my Mastercard is directly linked to the card it puts a hold for that amount of funds in my Paypal account. Sometimes it takes a whole week to release the funds and it always nags at me because I am worried I will be charged the $75 amount instead of the actual amout of gas I purchased. It has become such a problem that I am seriously considering getting a gas credit card to use for my fillups instead of my Mastercard, they ask me everytime to apply for one anyways.