| Displaying 280 to 290 (of 560 questions) |
Page: 29 of 56 |
 |
User Name:
laura egbert |
Date:56
June 15, 2007, 8:00 pm |
|
I have about 3000 in credit card debt, looking to find a balance transfer card, so I only pay one fee not 5, poor credit history, medical problems come up puts me back is there a card i can get or apply for. |
|
Answer:
Balance transfer is a popular tool to consolidate the whole debt on the one card that generally has better terms – lower APR, no extra fees, etc. The amount of money you can consolidate depends on the limit of the new card which in its turn is defined by your history. Balance transfer cards can be a good way to reduce debt, to save money and to improve the credit score. However the best balance transfer cards can be obtained only by people whose credit is either good or excellent (that is whose credit score is above 660). Still, even if your score is only fair (620-659) that does not mean you can’t make a transfer of balance. There are cards for people with limited credit (for instance, Capital One® Standard Platinum or Capital One® Platinum) that permit to accomplish balance transfers. They offer no introductory period with 0% APR, nevertheless the balance transfer is possible. If they comply with your requirements, you can apply for one of them online. Unfortunately if your score is below 620 you are not eligible for these offers. All the best, Manager of Immediate Credit Card Care Service |
|
|
User Name:
ashley |
Date:56
June 19, 2007, 12:00 pm |
|
|
can i get a credit card when i have bad credit without having to pay a fee? |
|
Answer:
You see the terms on which you can get a card mainly depend on your history and current score. Of course, even if your credit is poor (below 620) and you want to raise your score there are some cards you can apply for. Look, for instance, through the offers from such banks as Columbus, Dakota, First PREMIER, Millennium and Orchard. On our site turn to the page devoted to cards for bad credit. Unlike secured credit cards that require a deposit to the bank, unsecured credit cards don't demand to deposit anything. However unsecured cards for bad credit generally charge higher interest rates and all of them charge annual and other fees. Unfortunately it is impossible to find a card for bad credit without any fees at all. The initial credit limit is generally low; it'll increase gradually as long as you pay all the bills on time. The unsecured cards can be a helpful tool in rebuilding your credit, if you use them properly (make all the payments on time). Look through the page devoted to the cards for bad credit and choose the card you like. Compare all of the terms and conditions attentively. Fill the application and wait for an approval. All the best, Manager of Immediate Credit Card Care Service |
|
|
User Name:
fred levi |
Date:56
June 19, 2007, 7:54 pm |
|
|
does chase offer a 12 month credit card with no fees of any kind for 12 months |
|
Answer:
Chase Bank is one of the most reliable and popular issuers. It offers various credit deals with different options. However all the offers have something in common - they all are available only for people with either good (660-749) or excellent (750-850) score. Thus, before submitting an application for one of the Chase cards be sure that you are eligible for it. Request your reports from all three credit bureaus - Experian, Equifax and TransUnion - and check them for mistakes and inaccuracies. If there are any, correct them immediately. If you are sure you can be approved for a Chase card, turn to the page devoted to the offers of this bank. There are in fact several cards with 0% APR on purchases and balance transfers for 12 months. Compare, for example, Platinum MasterCard®, Platinum Visa®, Borders 3.2.1.SMVisa® Card. Read all the details about each deal and choose one that suits you most. |
|
|
User Name:
HAILEY HOOKER |
Date:56
June 20, 2007, 6:11 am |
|
|
HELP FIND A CARD NOW
|
|
Answer:
Our website is designed to help you in finding the best credit offer that complies with your needs and financial state. However it is rather difficult to guide you to something particular as you’ve not mentioned your credit score. Before applying for a card you must be sure you are eligible for it. That’s why it is very important to know your current credit score. We recommend you to request you report and learn your current credit score. It will be better if you request the score from each of three credit reporting agencies, such as Equifax, Experian and TransUnion. It is crucial because the numbers may differ, and the lenders generally look at the lowest score. If your score amounts to 0-619 it is regarded poor, if it is 620-659 it puts you into the “fair credit” category, if it is 660-749 you score is considered good, and from 750-850 you score is excellent that means you are eligible for the best credit cards. When you know your current rating you are welcome to turn to the category for the good, fair or bad credit offers. Compare the offers, read all the details concerning each of them and choose the one that suits your needs. After that fill the application and submit it online. All the best, Manager of Immediate Credit Card Care Service |
|
|
User Name:
ashley |
Date:56
June 20, 2007, 11:36 pm |
|
|
Will Discover approve an application for me if I have no credit history? |
|
Answer:
Your credit history by far determines your chances to get this or that card. You should keep in mind, that the terms of cards differ greatly, and the better payer you are the better terms of credit you will obtain. However when you don’t have any history your choice of cards is limited. Most of Discover cards are offered only for people with either good or excellent score (above 660). Only if you are a student with no credit history you are able to be approved for the special Discover offers for students - Discover® Student Clear Card, Discover Student Monogram Card, Discover® Open RoadSM Card for Students. In other cases unfortunately you’ll be denied. Still, there are many other banks that have deals for no credit history, for instance, Columbus, Dakota, First PREMIER, Millennium and Orchard. You are welcome to compare the present offers and choose one that suits your requirements. All the best, Manager of Immediate Credit Card Care Service |
|
|
User Name:
tracey |
Date:56
June 21, 2007, 12:32 pm |
|
|
i just decided to get a credit card. it is possible to get a limit of $1000. to begin with or what would i get started with |
|
Answer:
The credit limit is the maximum amount of money you may charge on your credit card. This limit is mainly determined by your credit risk, by your income and by the bank's decision. So, it depends on the terms of your card and may be changed according to your credit history. If you prove to be a good credit payer, you'll be given a higher limit. That's why before applying for a card consider your credit report and estimate your financial state. If you have no credit history yet your initial limit will be rather low, probably several hundred dollars. You your history is not bad you might be given several thousand. Thus, you see, it all depends on your history, income, etc. Keep in mind that the limit is not a constant figure, it may change as your score changes. And it may not only go up, but also go considerably down. That's why if you want the higher limit you must use your credit lightly, pay all the bills on time and keep your score as high as possible. In this case you'll be able to apply for the best credit cards with the highest limits. All the best, Manager of Immediate Credit Card Care Service |
|
|
User Name:
tad singleton |
Date:56
June 21, 2007, 7:44 pm |
|
|
What type of card do I qualify for with a 598 credit score? |
|
Answer:
The credit score is crucial as it helps the lenders to decide whether you qualify for the chosen card or not. Paying attention to the score is extremely important, because if you apply for the card you are not eligible for you’ll be denied and your history will be damaged. Nowadays people with all types of scores can actually apply for a credit card and be approved. Your score is 598 that is considered poor. That means you are only eligible for deals for bad credit. On our website you can find several variants of such cards from First PREMIER, Columbus, Dakota, Millennium and Orchard. Read the details about each card carefully and apply for the one that suits you most. All the best, Manager of Immediate Credit Card Care Service |
|
|
User Name:
shann |
Date:56
June 22, 2007, 1:15 pm |
|
|
why do you have bad credit card choices but when someone signs up for the credit card with bad credit you always deny them the credit card services. What's sense of having them sign up for the card.???????????????????????And what's the sense of having credit cards for people with bad credit.????????????????????????? |
|
Answer:
First of all, it should be mentioned that we don't represent any particular bank or credit company. Our web-site is aimed at providing sufficient and up-to-date information about various credit offers, including cards for excellent, good, fair, bad or no credit history. We are glad to present the details about different cards and to help the customers choose one of them according to their credit score and their requirements. Besides, we render a service of online application for the chosen card. However we don't issue any cards ourselves and don't make decisions on whether to approve or deny someone's application. If you have decided to apply for a credit card, the most significant thing is to choose for which of them to apply. The first and the most crucial thing you should do is to request your credit report and choose one according to your current score. Mind that your score is of extreme significance and by far determines your opportunities. Make your choice carefully because if your score is not high enough you'll be denied and your score will be further damaged. If your current score is below 620 turn to bad credit offers. Nowadays many banks, such as Columbus, Dakota, First PREMIER, Millennium and Orchard, offer deals for bad credit. On our site turn to the page devoted to cards for bad credit. Consider all the information about each card, compare the present offers and choose one that suits your requirements. Another way to restore your credit is to apply for one of the so-called secured credit cards. This card requires you to deposit some sum to ensure your ability to pay. On our site you can find a few variants of these cards too. Finally, you can draw a co-signer, a person, who will take responsibility in case you don't pay off your bills. After you've chosen the card you need you only have to fill the required application form and submit it online. All the best, Manager of Immediate Credit Card Care Service |
|
|
User Name:
walter Burnell |
Date:56
June 23, 2007, 8:15 pm |
|
|
I applied for a Sears credit card yesterday but I was turned down because I did not have enough credit history. I am wanting to rebuild my credit. Can you explain to me what I need to do? Also, do unsecured loans rebuild credit? |
|
Answer:
First of all, you shouldn’t apply for the cards for which you’re not eligible. You see, if your score is not high enough you’ll certainly be denied, and each denial hits your score further. So, before submitting an application, request you credit report and check it for any inaccurate information. It is recommended that you do it regularly. Learn your current credit score. It will be better if you request the score from each of three credit reporting agencies, such as Equifax, Experian and TransUnion. It is important because the numbers may differ, and the lenders generally take into account the lowest score. If your score is below 620 your history is considered bad, that means you are eligible only for offers for bad credit. If you miss your payments it may negatively affect your score, so do your best to pay all the bills on time. You should minimize the amount of inquiries on your credit report. Otherwise, you may lose up to 5 points from your score for each inquiry. If you have a bad credit history, open new accounts only if you need them, try to keep your balance low and use your cards lightly. Don't forget to use the old cards because in other case the information will not be updated. All these recommendations will allow you to establish a positive credit history and in time you'll be eligible for the best credit deals. All the best, Manager of Immediate Credit Card Care Service |
|
|
User Name:
Heidi McMullen |
Date:56
June 26, 2007, 7:06 pm |
|
|
How quickly can I recieve a credit card in the mail ? |
|
Answer:
After you’ve applied for a credit card online, you have to wait for the bank's decision. You see, the bank needs some time to check your credit report and decide whether you qualify or not. It can take various periods of time, depending on the type of the card chosen. The quickest way is to get an instant approval that generally requires only a few minutes. On out site you can look through the several variants of cards with the instant approval from Discover, American Express and First PREMIER. In other cases you’ll have to wait for a couple of days, a week or a month. If you're approved, a bank sends you a statement and a card itself by post. From this moment onwards it is the post-office that is responsible for the card delivery. The period of delivery can require various periods of time depending on your location. Generally it takes several days before the card arrives to you. All the best, Manager of Immediate Credit Card Care Service |
|
|
