Frequently Asked Questions

See the picks to discover the best Shop Handmade cards within the various groups

See the picks to discover the best Shop Handmade cards within the various groups

Most other Credit card Choice

Credit cards may help make credit irrespective of where your own credit score stands, so might there be various choices to thought according to the updates of your credit. Issuers bring notes targeted at those with:

Regardless of if issuers generally speaking wouldn’t reveal the particular criteria getting recognition, including the specific score necessary, you can spend some time studying the latest get range your might need to be eligible for different varieties of notes. Or take a peek at a number of the safest handmade cards to find while you are within it.

You may also find out if you will be pre-accepted for the credit cards before you apply to see if you happen to be eligible otherwise likely to get a certain cards. This will help you find the appropriate cards to suit your borrowing level.

Authorized Users

If the a father or loved one are happy to get it done, they can include your as the a 3rd party user into their particular bank card. It will help generate credit once you is almost certainly not able to get recognized your self.

Just before agreeing compared to that, definitely log in to a comparable web page, even in the event, because credit need and commission passion will show on the one another users’ credit reports.

At some point, the main account manager try lawfully responsible for paying the credit balance, if you get behind he or she would-be towards the the connect to expend. However, simultaneously, should your number one membership manager will not pay bills, all of their scores are affected.

Insider tip

Needless to say, you might name brand new bank and get as got rid of because the a third party representative, generally speaking removing the brand new account from your own credit reports, in such a circumstance. The main account owner, simultaneously, might possibly be trapped with the bad credit history and you will people rating damage that comes from it.

How to get Borrowing at 18

When you’re more youthful, you likely have no credit score and selection are limited. You will find three fundamental options to build borrowing within 18:

  • Getting a credit card for teenagers (for people who meet the requirements)
  • Getting a 3rd party representative on a great parent’s bank card
  • Delivering a card creator loan

You may not be able to get credit cards to the the whenever you are below 21 because of the Credit card Responsibility Responsibility and you will Disclosure Act of 2009, labeled as the latest Cards Work. Which changed exactly how creditors can sell to young adults.

Until then is actually introduced, it had been common observe card providers for the university campuses and you may during the prominent springtime crack towns and cities offering up freebies to possess signing up having cards. The fresh work as well as stopped them out of providing credit cards to some body below 21 unless of course the applicant keeps an effective cosigner or adequate income to repay the fresh new credit (but most credit card providers don’t let cosigners today).

On 18 you happen to be capable be eligible for a secured bank card, but will demand the put immediately (usually about $200–$500).

If you have student education loans, they may be able make it easier to establish a credit rating (whether or not they’re during the deferment or perhaps not). But you will you would like more some younger funds if you’d like to produce a strong borrowing from the bank reputation.

Wrapping up

Borrowing creator money can help expose nonexistent credit, raise poor credit, and opened ventures. They might be a fairly safe choice as you http://cashusaadvance.net/title-loans-wy/ would not run the risk out of accruing a lot more financial obligation than simply you could potentially pay back, that could occurs with a regular installment mortgage or bank card. These include almost like forced coupons levels having credit strengthening benefits.

What is Telemedicine?

Telemedicine is a service which allows health care professionals to evaluate, diagnose and treat patients using telecommunications technology.

Why should I use GoLiveDoc?

GoLiveDoc offers 24/7 medical consultations with board-certified doctors. You can use our platform from where you live, work or when you travel in the US. We also offer 24/7 behavioral health counseling for no additional fee. Health records are kept private and secure in order to protect your personal information.

How does GoLiveDoc Help?

GoLiveDoc gives you 24/7 access to board-certified doctors through secure online video or phone consultations – anytime, anywhere. GoLiveDoc is a low-cost, convenient alternativ e to Urgent Care visits or waiting several days to get an appointment with your Primary Care Physician for non- emergency medical conditions. Our doctors can diagnose your symptoms, recommend treatment […]

What happens after I complete the checkout process?

Once you have selected your plan and completed the checkout process, you will receive an email with your login credentials for the customer portal. You can use the customer portal to schedule appointments, update your electronic health records, see your consultation history or add dependents to your account.

How much does GoLiveDoc Cost?

The monthly membership fee ranges from $9.95 to $39.95 (depending on the plan you choose). The consultation fee is only $35. You can cancel your membership at any time for any reason.

If I have insurance, do I still need to pay the membership fee?

GoLiveDoc charges all members a small monthly fee.

How do I cancel my membership?

You can cancel your membership at any time for any reason. To cancel your membership, please call (888) 386-1037 or send an email to [email protected]

Does a patient have to meet with a provider in-person before a telemedicine consultation can be scheduled?

No, an in-person visit is not required before a visit can be conducted via telephone or video.

What does GoLiveDoc Treat?

We treat a variety of medical conditions. Common conditions we prescribe medication for are Cold & Flu, Pink Eye, Skin Irritation/Rash, Urinary Tract Infection, Diarrhea, Stomach Virus, Fever, Headaches and Sore Throat.

Are there Medical Conditions GoLiveDoc Cannot Treat?

There are some medical conditions that our doctors are unable to treat, including but not limited to: Broken Bones, Chronic Diseases, Erectile Dysfunction, Genital Herpes, Hair Loss, Hot Flashes, Premature Ejacuation, Smoking Cessation, STD Testing.

Can I be turned down for a pre-existing condition?

No, members are not turned away because of pre-existing conditions. GoLiveDoc is not an insurance.

Can GoLiveDoc Treat Emergencies?

GoLiveDoc Is Only For Non-Emergency Medical Issues Members Should Not Use It If They Are Experiencing A Medical Emergency. Please Dial 911 If You Are Having A Medical Emergency. GoLiveDoc Is Also Not Intended To Replace A Member’s Primary Care Physician.

Is GoLiveDoc For Emergency Situations?

GoLiveDoc Is Only For Non-Emergency Medical Issues Members Should Not Use It If They Are Experiencing A Medical Emergency. Please Dial 911 If You Are Having A Medical Emergency. GoLiveDoc Is Also Not Intended To Replace A Member’s Primary Care Physician.

Can I use it for my family?

The primary member and 7 immediate family members or household members will have access to consults. 

Do I talk to “real doctors”?

Yes. Members only talk to actual doctors who are state-licensed family practitioners, primary care physicians, internists and pediatricians. When members request a consult, they will be connected with a doctor licensed and practicing in their state.

What Type Of Doctor Or Specialist Can I Speak With?

Members Can Talk To A Doctor Directly. Our Doctors Are Licensed In Internal Medicine, Family Medicine And Pediatrics. A Doctor May Also Provide Guidance On The Type Of Specialist A Member Should See.

Can GoLiveDoc prescribe medications?

Yes, GoLiveDoc can prescribe medication for non-controlled substances. A list of controlled substances can be found here.

Are there Medications GoLiveDoc Cannot Prescribe?

We do not prescribe controlled substances and medications that would require in-person examinations, e.g. Antidepressants, birth control, medical marijuana, stimulants such as Adderall and Ritalin, narcotics or sedatives. Our Counselors cannot prescribe medications for mental health purposes.

Does GoLiveDoc Offer Access To Mental Health Professionals?

All Membership Plans Include 24/7 Behavioral And Mental Health Counseling. All Of Our Counselors Have A Master’s Degree And At Least 12 Years Of Experience.

Is there an extra fee to access mental health professionals?

There is no additional fee to speak with mental health professionals.

How does GoLiveDoc handle bloodwork, imaging, labs and other tests?

You can upload all bloodwork, imaging, labs and other tests to our secured portal for our doctors to view to help with diagnosing and treating your medical conditions.

Is My Electronic Health Record Kept Private?

Health Records Are Kept Private And Secure In Order To Protect Members’ Personal Information. Only Members Can Determine Who Can See The Information In Their Records.