A fiancé visa is the one issued to the fiancé of a US citizen to enter the United States of America. Fiancé, according to the law, is a person who is going to get married on engaged to an American Citizen .Usually, there must have been at least one meeting between the two persons. Fortunately, the Department of Homeland Security’s U.S. Citizenship and Immigration Services laid down some exceptional rules because it is not always possible to have a meeting due to several reasons. A person can also be referred to as fiancé even if a contract is concluded. This is the case wherein the man and woman have not met and the marriage is not consummated by them.

A fiancé visa can let the fiancé of the US citizen to travel all the way to the States. The fiancé and the citizen can marry and live together in US if a petition for alien finance is filed by the US citizen with the department of Homeland Security’s USCIS (United Sates Citizenship and Immigration Services) associated with the place where the American citizen lives in. This cannot be filed in any other immigration office that is located abroad.

To file a petition certain conditions have to be met

->It is mandatory for the person petitioning to be a US citizen

->Within 90 days, the fiancé must be able to enter the states and marry the citizen

One the petition is filed, it is sent to National Visa Center for further processing and finally, it is sent to the consulate where the fiancé applies for a K-1 nonimmigrant visa or fiancé visa. The petition is valid for 4 months and this can be extended by the Consular officer once it is expired.

All the below mentioned documents must be available with the fiancé while applying for a visa

A passport that validates the entry of the fiancé to the USA that has a validity period that is at least 6 months greater than the period of stay. However, there are some exceptions that are country specific Death Certificate or Divorce certificate citizen of the previous spouse, if any. Police certificates from all the locations of stay since the age of 16 Medical certificates Financial Evidence Nonimmigrant visa applications (2)- Form DS 156 One fiancé visa application (1)- Form DS 156k Evidence of Relationship Fee payment

There might be additional documents required that depends on the situation and the country. The requirements will be clearly mentioned by the officer. If the documents are in foreign languages, they must be translated to English. Original documents will be returned after processing is done. It is recommended to take clear photocopies of all the important certificates to the interview. The applicant must have enough money which will be required at several points like medical tests, finger printing, photocopying, Fiancé application fee and status update.

Once the visa is obtained, the officer provides all the information related to the travel date and conditions. After marriage, I-486 form must be filled by the fiancé to update the status.

Note:

<a rel=”nofollow” onclick=”javascript:_gaq.push(['_trackPageview', '/outgoing/article_exit_link']);” href=http://www.chb-law.com/Marriage_and_Fiance_Visas.aspx>Miami Fiancé Visa</a> can let a person to enter the states only once. The same visa may not be used for re-entry. Incase, if the fiancé wants to leave and re-enter, Form I-131 must be filled and entry can be made only after the application is processed by the authorities. It is recommended to hire a Miami immigration lawyer to solves these issues and make the process smoother and faster

Free prepaid credit cards are something everybody seeks for. But, before availing this facility, it is important to know that they are not free. Many companies and banks claim to offer such services absolutely free of cost with bank account, for the simple reason that they are prepaid. In other words, Individual is allowed to spend same amount which he/she deposited into the account. For example, if a person got £100 into the bank account, then he/she can use only same £100 for shopping. Usually, banks charge annual fee or interest rate at the end of the year on card.

 

Rate of interest, charges, rules and regulations can be varied from bank to bank. Not all prepaid credit cards are equal in term of usage, interest rate, limit of usage, charges, etc. The biggest advantage of these cards is that they never let you fall in debt trap in any condition. While using this plastic money, consumers do not need to worry about late payments or credit. It is important to take extra care while selecting these cards for different purposes. Always ask banks or lenders, if they are going to charge any extra cost or does it include any hidden cost.

 

Having prepaid credit cards is very important many situations especially when you need something immediately and do not have hard cash or credit card. The only way you can purchase the same product or service through debit card or prepaid plastic money. To find this nice facility, consumers can contact any local bank or internet. With the help of internet, you will get number of available options near to your place. Generally, online financial market is facing huge competition which creates the opportunity to get best deal for consumers.

 

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If you’re in the marketplace to get a secured credit score card, you may possibly be asking yourself if you can discover a card that has a lower curiosity rate. Whilst most of the prices on secured cards are generally large, there are some choices when it comes to locating a minimal price. Here’s a couple of suggestions you can use in order to come across a lower charge.

Seem for greater fees – I know you won’t want to pay out increased charges when it arrives to annual charges, month to month charges, and so on but typically, when the fees are greater, you’re going to shell out much less curiosity. This is a way for the credit score card companies to recoup the expenses.

Appear for intro prices – I know intro charges don’t’ very last for very long but if you can locate a single that’s superior enough, you may possibly be ready to use the card and then request a distinct kind of card. Often this functions and occasionally it doesn’t. It never ever hurts to attempt! The worst point that can take place is that you will want to cancel the card.

Research on the web – There are a whole lot of cards out there. It’s your career to exploration all of the cards and uncover the lowest charge if that’s what you’re apprehensive about. Because rates change on a every day foundation, I can’t inform you precisely which card has the best charge.

As prolonged as you do your analysis and you follow some of the suggestions previously mentioned, you’ll be in a position to discover a card that hopefully suits your requirements. Honestly even though, in the long run, worry about spending your card off in full so that you can stay away from the curiosity prices.Read more: credit cards with low interest

Working in a foreign country is great way to finance your travel to the country. But if it is about working in Spain, citizens of EU (European Union), do not require a visa to travel and work here. However, if you belong to a non-EU nation, it is important for you to have a work visa in order to work in Spain. Once you have attained a job offer inside Spain, obtaining work visa is just like completing immigration paperwork and also obtaining documents from the country they live.

The basic requirements to obtain a work visa to Spain contains a job offer in Spain, information from your country, Spanish immigration forms, forms EX-1 which is actually the official Spanish application that is duly singed  and stamped by the person or company offering you the job. You also need three passport size photographs to create the formalities.

First of all it is important that you get at least two photocopies of your passport. You will be required to send the origin of passport along a single photocopy along with your visa application. Also ask your employer to send you a stamped and singed Spanish immigration form EX-5. This form is going to be the formal offer that confirms your employment and also whether the employment is a part-time or full-time. This form also suggests whether the job will last for more than 10 months or not. It is important to fulfill these requirements in order to be eligible for getting a work visa to Spain.

Also ask the company that is offering you the job about its financial identity documents (CIF document). You may also ask the company to furnish TC-1 and TC-2 that confirms the Social Security of the job offering company. You will have to get these documents certified by the Agencia Estatal de Administración Tributaria and Tesoreria General de la Seguridad Social in order to make sure that the company is not under any Social Security or taxes obligations.

Make sure that you provide the official certification which confronts that the job that you have been offered was advertised to EU nationals and Spanish people as well. It also had to make sure that the job offered was not filled and there was no one better than non-Spanish national for the same job. If necessary, you can get certified transcripts and degree certificates for the job that has been offered to you. You will also require a certified check for criminal background from the police authorities of your country.

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Most of the banks use different type of bank cards. The most common ones are the credit card, the debit card, the secure credit card, the Prepaid Credit Card and the ATM card. Each f the available cards offered have their advantages and disadvantages. For most of the people the credit card is the best card. However not everybody can get a credit card and to get a credit card with a good interest rate and smaller fees you have to have an excellent credit history. A good idea before getting a credit card is to get a prepaid card or a secured credit card.

To get a world wide known credit card like for example Visa or MasterCard, from a bank with lower interest rates you have to have at least a good credit history. If you have a good credit history you will most probably receive offers from different banks to get a credit card through them. However if your credit history is poor or bad or you do not have a credit history at all it will be more difficult for you to get a credit card. You will have to fill in many credit card applications and wait to see if you are getting approved or not. The good thing about the credit card applications is that they can be done online thus one can find in a matter of seconds if he or she is approved for a certain credit card.

The main question for a lot of people is not related to the type of credit cards available but how they can get a good credit card history or how can they improve or maintain one. Since most of the credit card applications ask you about your credit score and if you have one, you should already know that the better the credit score, the better the terms and conditions that you get with your credit card if you get approved. There are three main companies that asses your credit score and offer history credit reports. The first step towards a good credit score is paying your bills on time, making all the payments on time for a longer period of time is important for your credit score. Also if you get a credit card and use just a small amount of the money available in your credit line rather than a bigger amount, your score will be better. Also the longer your credit history is the better for your score. A fair diversity of credit cards will also help you maintain or increase a good score.

If you do not have a credit history, you should start making one because you need a good credit score not only to apply for credit cards, but also to apply for a loan for a house, a car or any other thing where you need a line of credit. Also once you get a line of credit make sure you make your payments on time and you can do this by setting automatic payments directly from your account. If you got a loan where you have to give back an fairly big amount of money each month a credit card that is prepaid can be a good thing to keep your expenditures in line and thus to avoid lowering your credit score. Also even if you get offers of applying for credit cards without having a credit score or even if you have a bad credit history, remember that in the long run having too many credit cards is not helping you get a good credit score or keep the same credit score you have.

Although many types of credit cards for consumers, there is little for people with bad credit. Those repairs are some options available, including a credit card, bank guaranteed. This credit card can help repair your credit, how it works in conjunction with the current account or savings.

Unable to perform Translation:invalid textCredit card guaranteed the appearance and the traditional credit cards, even if your account at the bank guarantee. Every time you are unable to pay your bills your credit card on the day of expiry of the bank is money in your account. In this way, there’s always the money to the bank, where you can not, your payment.

Unable to perform Translation:invalid textCredit cards are also guaranteed for people who have a bankruptcy or simply not a line of credit due to bad no credit card or credit cards. These credit cards show your bank that you can pay the subscription, and the measures necessary for the construction or modification of your credit card. Over time, if you are responsible and pay the bill on time, your bank can give you an unsecured line of credit – known as a type of credit card without guarantee.

Unable to perform Translation:invalid textSince the Bank of loans guaranteed, you can go, what is happening in your account, you do not have to worry about debt. If you are not a payment, the Bank simply for money from your account. Although this return to a big map, you must always pay the bill and not let happen.

Unable to perform Translation:invalid textAs with other credit cards, credit cards guaranteed disadvantages that can be taken as a ton of bricks is irresponsible of the paper. Each time you do not pay the bill on time, the Bank may take great interest and late fees. These fees and charges may be slightly higher, so they do not pay the bill, which ultimately means that you have in your account drainage, on the other side. If you pay the bill on time, though, is that you do not have to worry about the cost.

Unable to perform Translation:invalid textFor those who have bad credit, or should begin, with a credit card secured bank loan is a good starting point. These cards can be a credit card that you pay your bills on time. Almost all banks, credit cards, all you have to do is ask. Once you have your credit card in good position for some time – you have the satisfaction of knowing that the right steps to rebuild your credit card.

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If you have a proper understanding on how normal credit cards function, then you are very well aware about the fact that these cards are a source of major problems. Although they come in handy in times of urgency and are convenient to use, the high rates of interest along with the unacceptable terms and conditions makes you stay away from obtaining these cards. However, now with the introduction of prepaid credit card, the trend seems to have changed. There are number of advantages associated with these cards, which are not available in the case of regular credit cards.

A prepaid credit card is made available to all type of individuals irrespective of the credit status. Moreover, you can access the card without the need of any documentation or credit check. It can be assumed that the card is very similar to that of debit cards. The only exception comes from the debit cards as it does not provide any credit facilities. As a matter o f fact, this card is well accepted all over in any merchandise or retail store.

With this card, there is no chance of getting debt related problems. it is because you are allowed to spend the amount which is available on the card. The amount has to be deposited prior to the use of the cards. In fact, this card helps you from overspending or using it recklessly. All the transactions made can be traced by making a simple phone call or through the online mode.

Another benefit of having this card is that you will be able to keep a track on your credit history. In this regard, the monthly report of the card will be helpful, as you will able to understand how and where to minimize the expenses. This card can be also offered to a child, so that the parents can very well know about the expenses of their ward. In another, this card has been successful in giving a new dimension towards spending.

Prepaid credit card is very easy to obtain and the best way to source this card is by applying online. All that you have to do is to fill up a simple application and the cards will be sanctioned immediately.

Prepaid credit cards can often be refunded at the bank where they were originally purchased. Learn how to refund prepaid credit cards from acredit counselor in this free personal finance video. Expert: Maria Enomoto Contact: www.gotdebt.org Bio: Maria Enomoto works as a credit counselor for Consumer Credit Counseling services in San Jose, California. Filmmaker: Bing Hu
Video Rating: 5 / 5

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The series of changes and amendments made in the Legal Immigration Family Equity Act (LIFE) gave birth to the K3 marriage visa. With this, spouses and children of U.S. citizens can now enter the country using a non-immigrant visa. Obtaining this particular U.S. visa for your Thai wife enables her to complete her permanent residency application in the United States. Likewise, while waiting for its approval, K3 marriage visa holders are also granted permission to work.

Eligibility requirements

To be eligible for a K3 marriage visa, the requirements elucidated below must be met:

A valid marriage should exist between the applicant and the petitioner.

There should be a formal petition filed by the US spouse prior to the application.

The applicant’s entry to the US should solely be for the purpose of completing the application for permanent residency. Other purposes, are of course, not allowed and penalized.

To be eligible, the approved Form I-129F must be forwarded to the American consul of the applicant’s place of origin.

Documents to be submitted by the applicants

Two (2) copies of Non-immigrant visa application forms

Applicants are required to submit police certificates secured from all the places where they lived since 16 years of age.

Birth certificate

Marriage certificate

If the applicant is a widow or widower, death certificates must be shown. Likewise, if the applicant is a divorcee, divorce papers must be submitted.

Two (2) photos

Payment of fees

Documents and papers showing financial capability

Documents to be submitted by the sponsor

Sponsors or petitioners must provide a complete and signed Petition for Alien Relative or Form I–130

Evidences of US citizenship–birth certificates, US passport, naturalization certificates or citizenship certificates whichever is applicable

Two (2) Biographic Data Sheets or G-325A forms. Both the applicant and the petitioner must submit Biographic Data Sheets.

Sponsors must present documents to prove their relationship. Submitting a marriage certificate is highly recommended.

Documents proving the nullification or termination of previous marriages are also needed. In this case, death certificates and divorce papers must be presented.

Colored photographs or pictures

Grounds for ineligibility

There are several reasons that make an applicant ineligible for a K3 Visa. These are the following conditions:

Drug trafficking

Infected by AIDS or HIV

Engaged into polygamy

Overstaying

Submitting fabricated documents

Applicants who have plans to overthrow the government or cause security threats are not allowed to enter the United States.

Expected fees

Filing fees

Processing fees

Medical fees

Fingerprinting fees

Other fees (transportation, translation, photocopying, etc.)

Acquiring a K3 marriage visa is one step closer to having a green card. Consult a lawyer if you must and start processing your visa now.

how to repair bad credit and begin to build positive credit history

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Everywhere there are possibilities of danger. When it comes to credit card theft, it can happen anywhere at anytime. Commonly, credit card holders are cautious in their native country. But in traveling abroad, this caution must be tightened. Security measures or  response to theft may not be as quick abroad. So to circumvent having to face theft, travelers need to be vigilant.

First off, they need to treat their plastics like cash. It goes on to say that it should be kept and secured as they would their dollars. It should be obscured and concealed, not flaunted around.  Thieves have prying eyes that they can spot even the most hidden belongings. So what else is there to an unsecured plastic?

In dispensing cash through plastics or an ATM card, travelers must preferably do it during day time. In addition, safe places to withdraw cash from are at banks, shopping malls, hotels, and other secured and big facilities. Every withdrawal should also be done with precaution by observing the surroundings for suspicious people and activities. And most importantly, travelers must never entrust a stranger to do the withdrawal for them.

Credit card providers and banks also monitor card activities. So when going on a trip, travelers must notify these institutions of their destinations. A slight disturbance in the pattern of their card usage will alert these people. It will often lead to automatic freezing of the account thereby protecting the funds or credits of the card holders. More safety tips can also be found in the websites of Visa and Mastercard. Travelers must check them out before leaving.

In a foreign land, it is important to be vigilant. Experts suggest avoiding using ATMs with poor lighting, look dirty, and have something suspicious around the card reader or PIN pad. When their card gets stuck, they must not call on the help of a stranger nearby. This person may be the culprit, responsible for the card sticking in the first place. It is always best to call legit help, for instance, bank personnel. They must never leave the site unless the bank people have arrived.

In retrospect, travelers must also constantly monitor their credit card accounts online. This way they’ll discover early on if their funds have gone or if unknowingly, someone has used their cards. Other experts also suggests of using a debit card, filled only with the right amount fitted for the travel.

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Prepaid credit cards are taking plastic money to new levels.  As the volume of personal debts is soaring, such cards are becoming popular.

As the name says, prepaid credit card functions just like any other credit card.  The only difference is – you need to pay money upfront in order to use the card.  And the major benefit is – you can avoid the debt trap.

Such cards can be obtained very easily. Both Visa and MasterCard offer them.  There is no credit check, no approval. And it is very difficult to distinguish between such card and a regular credit card.  This card can be used for making any type of purchase which can be normally by a regular card.

These cards are intended to help new migrants, teenagers, people recovering from bankruptcy or people with problems about their credit history. But over and above all these categories, such cards work as a liberator for people who are stuck with lot of debt.

With their normal card, people can easily go over their limits and spend the money which they don’t have.  It causes serious debt problems and it becomes very difficult for them to come out of this debt trap.  Their credit score goes low.  Finally the card issuer cannot extend credit anymore and the situation gradually takes them to bankruptcy.

All this can be stopped with the use of prepaid credit card. You can stop using your normal card and switch over to this card when you feel the debt is becoming too much. You can spend only that amount of money which you have loaded on this card.  This is your money so no interest is charged on the balance.  It is a win-win situation for both the cardholder and card issuer.

There are two major drawbacks of such card.  There may be different kind of fees which are associated while setting up and maintaining such card account.  So it is very important to read carefully the terms and conditions before applying for such card. Another drawback with such type of card is experienced when you want to dispute a particular charge.  When it comes to unauthorized purchases, it is very difficult to get your money back, as the merchant instantly gets paid.

The solution is simple.  When you are in debt, switch over to prepaid credit card. Spend carefully, create some credit history, clear outstanding payments and then you can go back to your normal card.