All you need to know to apply for a credit card
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Applying for any financial product for the first time can be a confusing and difficult experience, and it’s no different when you apply for a credit card. The majority of applicants will have no problem being accepted, but only if they properly understand the application process.

Step 1 – Choose the right credit card for you

It is important to choose the right credit card. The key thing you should be looking for is low interest rates, but you may also want to look for other features (i.e. contactless payment) that suit your needs. For example, people with debt should be looking for the best balance transfer credit cards, whilst others may want to go for cards which offer rewards such as cash back.

Step 2 – Review your finances

Before making a credit card application, you should take a close look at your finances and make sure that you can afford to repay whatever you spend on y…………… continues on

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Indictment: Former Rockwood official used city credit card for personal purchases
News from Knoxville News Sentinel:

KINGSTON — The former director of the Rockwood Public Works Department, accused of using city credit cards to buy 13 guns — including an assault rifle — along with cameras and clothing, surrendered Thursday on a seven-count Roane County grand jury indictment.

Thomas William Pierce, 48, of Rockwood, posted a $ 10,000 bond and is to be arraigned Monday in Roane County Criminal Court.

The indictment stems from allegations, reported last year by the News Sentinel, that Pierce used city Visa and Wal-Mart cards to buy the items — including the $ 6,000 worth of guns. He registered the guns in his name, according to records.

Pierce had been public works director 15 years before quitting his job last year.

When first asked about the weapons purchases, Pierce reportedly told city officials they were needed for protection from vicious dogs while he was working with animal control.

Mayor James Watts said city auditors brought questions about the credit card purchases to his attention in January 2012 as part of their routine city audit.

Watts said Pierce was placed on unpaid leave from his $ 57,000-a-year job last February and resigned in April, minutes before Rockwood City Council was to vote on a recommendation that Pierce be fired.

The indictment, returned Wednesday by a Roane County grand jury, alleges Pierce was involved in a “cont…………… continues on Knoxville News Sentinel

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