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User Name:
Doug Barker |
Date:56
September 19, 2008, 4:01 pm |
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I'm afraid we've dug ourselves into a hole and it's turned into quicksand. How can I consolidate to a very low interest rate card that is fixed at hopefully below 5% |
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Answer:
Before applying for a balance transfer credit card, one should know his/her credit score for sure in order to avoid denial. If you have good or excellent credit history, there are a lot of options for you to choose among. With a fair credit, you can still find an option for transferring your balances, among products of Capital One bank. Remember, people with less than perfect credit can hardly find a credit card for balance transfers, because this service requires a high credit score. As for the interest rates, they depend on the credit offer and the applicant's credit rating. If you are searching for a BT card with less than 5% interest rate, you should make sure your credit is good or excellent. As your credit score is not indicated, we introduce balance transfer credit cards for good and fair credit. Choose the one that fits you best. Consumers with fair credit can transfer their balances with Capital One Classic Platinum card. It provides no balance transfer fee and low rate APR on BT, without introductory period. However, there is 0% interest period for purchases and savings program applicable at Yahoo! Shopping. Peole with good credit can estimate Blue from American Express which has only 4.99% on balance transfer until it is paid off, 0% intro period on purchases. generous points rewards program anda number of additional services. Another BT plastic for high credit score is Discover More card which has 0% intro interest rate on balance transfers and purchases, cash back rewards program and no annual fee. |
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User Name:
angelia shinn |
Date:56
September 20, 2008, 4:09 pm |
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what will work for me i belive i have fair credit and i need something i can use lets say by tuesday |
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Answer:
If you checked up your credit report and your credit score is fair, you can make an application for a credit card from the corresponding section of our site. However, it is impossible to say the exact day when you will be able to use your credit card. After you send your application, it will tak some time for the bank to consider it and make a decision. Not every bank provides instant response, so you will have to wait. After that, if you are approved the bank will send the credit card to you, which also is going to take some time. There banks that provide urgent delivery or can give you the number of your credit card so that you can use it for online purchases, For these special features, please, read the terms and conditions of the card. You can compare plastics by Capital One bank for fair credit history. Capital One Standard Platinum card provides no annual and setup fee, 0% APR during the introductory period, variable ongoing interest rate and up to 40% saving at Yahoo! Shopping. Capital One No Hassle Points Rewards is a unique credit card that provides a points rewards program, zero interest for intro period and variable ongoing APR. itis one of the few credit card for fair credit score that include a rewards program. Another plastic to look at is Capital One Classic Platinum. It has no fees for balance transfers, 0 APR for promotional period and a low ongoing APR, which is also a variable one. |
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User Name:
roger bircket |
Date:56
September 22, 2008, 2:52 pm |
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HOW CAN I GET A CREDIT CARD WITH NO TO LITTLE CREDIT THAT DOES NOT HAVE HIGH APR. WITH A CREDIT LINE UP TO AT LEAST $3'000 |
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Answer:
There are some low APR offers for little credit online, but they have some strict eligibility requirements. You should be a young adult with a stable job and a valid FICO at one of the major bureaus, or you should be a college student. If any of the statements are about you, consider the following cards: Capital One Platinum-Visa has currently a low rate APR on purchases - 8.9%. It offers a mild annual fee and a credit line up to $3,000. Capital One Classic Platinum has a bit higher APR but its annual fee is considerably lower. The same limit is available on this offer. Both cards have 0% intro APR on purchases until February, 2009.If you are a college student with limited credit, apply for No Hassle CashSM Rewards for Young Adults , also from Capital One Bank. A relatively low interest rate is combined with a generous cash back rewards program. You will also get $3 000 credit limit if you qualify.Compare the cards online and choose a most appropriate one. Then apply online. |
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User Name:
Albert |
Date:56
September 25, 2008, 6:31 pm |
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I have just graduated college and have no credit history. My parents were always the ones paying for me. I want to start my own credit card account but dont know who or what company would let me do that. Do you have a few suggestions for me? |
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Answer:
If you are ready to start building up your own credit history, that's great. We suggest you to consider credit cards from Capital One® that specializes in issuing cards for those with limited or no credit history. These offers will help you start your credit history from point zero. You can save with a fee free Standard Platinum card that comes with an interest free period and exclusive savings. Or, you can apply for Platinum Visa and enjoy 0% introductory APR and low ongoing APRs on purchases and balance transfers.It isn't clear from your question whether you are going to continue studying or not. If yes, you can also choose among our student credit offers. Applying for Capital One® No Hassle CashSM Rewards for Young Adults you may start building up your history and enjoy getting cash back and rewards without limits. To apply for these cards you need to have SSN, residence record and stable income (in case of student credit cards it is desirable to have at least a part-time job). |
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User Name:
Cathy Laubsch |
Date:56
September 29, 2008, 3:33 pm |
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I need to buy a new laptop quickly, and have no credit because I am a college student. I only need a $1000 limit, but low APR and no annual fees. What credit card is right for me that I will actually be approved for? |
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Answer:
Since you are a student, you can qualify for a student credit card. These plastics are OK for people with limited or no credit and have a number of advantages in comparison with regular plastics for limited credit. In spite of being available for limited or no credit, these cards provide rather low interest rates and some rewards programs. However, you cannot know for sure what your credit limit will be, as it depends on a number of factors like your credit history, income, the issuer's policy etc. If you do not get the credit limit you want, after some time of flawless credit usage the bank can extend your credit limit. Consider the following credit card offers for students. Capital One No Hassle Cash Rewards for Young Adults has low rate APR on purchases, 0 interest intro period and cash back rewards program. It is one of the most popular plastics for students. You can compare it with Capital One Standard Platinum for Young Adults which also has no balance transfer fees and credit management assistance. Citibank presents Citi Platinum Select Card for College Students which enables you to build your credit easily with 0% intro APR, free online account management. You can also put your photo on your credit card! |
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User Name:
Ruth Casillas |
Date:56
September 29, 2008, 6:37 pm |
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I earn $72000 a year. I have some hospital bills against my credit. My bills are all paid. There are some late payments on my credit. Why can'tyou give me a credit card with a minimum credit limit of $1500 |
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Answer:
The high income is not enough to qualify for a good credit card. The first thing a creditor looks at is your credit score which might be damaged by the late payments in your name. If your score has got a serious hit, you need a credit card to boost it back, or to repair your credit. Unfortunately, all of them offer lower limits than $1 500, but if you use them wisely, the limit will rise. We suggest you consider the following cards: Centennial Gold MasterCard®/Visa from First PREMIER Bank is a low interest rate plastic with $250 of initial credit limit. Once you make your first two payments on time, it will be increased. Gold MasterCard®/Visa , also from First PREMIER offers the same low APR and reasonable annual fee. These cards are great to get your credit good records, provided you are always on time and never exceed the limit. If $250 credit limit does not satisfy you, think about a secured card which allows you to set your own limit. Millennium Bank Gold MasterCard® offers up to $10 000 in credit line if you can make a cash collateral deposit of the same amount. After a period of on time payments, the deposit requirement will be waived and you'll upgrade to a standard unsecured credit card with a good limit. Choose a credit card best fitting your expectations and apply online. |
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User Name:
Baron |
Date:56
October 1, 2008, 9:41 am |
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I am in some credit card debt and I want to do blance tranfers... but when i look at the maximum available, it's only about $1500 - $2000.... are there any cards with a high limit so i can transfer more then one? |
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Answer:
Yes, you can find a high limit balance transfer credit card but you'll be approved only if you have good credit. So, if your credit score is somewhere between 660 and 749 and there are no bad payments in your name, try applying for More Card - Clear from Discover Company. Though its credit limit is rather big, the actual credit line will depend on your income and on the amount of your available credit. If your credit is less than good, then you should apply for fair credit cards from Capital One. Capital One Platinum and Platinum-Visa have a low rate APR on balance transfers, as well as on purchases. However, the maximum credit limit on these cards is $3,000, which means you can transfer debt only from 1 of your cards. But, you are not prohibited from applying for two cards at a time. The approval will depend on how much credit you already have and whether it is too much already compared to your income. Study the cards' requirements and find your credit score to see which offer you qualify for. Apply for a credit card online. |
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User Name:
Becky Dixon |
Date:56
October 2, 2008, 1:24 pm |
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I have fair credit. I need a credit card with 0% balance transfer, no fee, low transfer fee, and a limit of at least $800 if possible. I have a card now with like 30% interest and it's killing me! Please help! Which card is best for me? Don't want to apply to one and not get it if there is one I have a better chance for! Thanks! |
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Answer:
Unfortunately, the combination of features you're looking for cannot be found on a fair credit card. But we can offer you some fair credit deals with a more reasonable APR and up to $3 000 in credit line. Capital One Standard Platinum is a great no annual fee card with competitive APR on purchases and balance transfers. Capital One Platinum does charge annual fee but its interest is much lower. No Hassle PointsSM Rewards card offers a generous rewards program on top of low rate APR and moderate annual fee. All the cards are for people with less than good credit but without any bad payments in their credit file. With a credit line of $3 000, you can make a balance transfer and pay off your debt at a lower interest rate. Choose and apply for a credit card online. |
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User Name:
Jose |
Date:56
October 3, 2008, 10:48 am |
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unfortunately i have bad credit. but would like to fix it and also obtain a credit card. I have been trying to apply for a credit card and no one has approved me what should i do |
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Answer:
There are some reasonable credit card offers that could help you fix credit. Designed for bad credit applicants, they offer a small initial limit and a range of fees. We would advise you to apply for either Centennial Gold MasterCard®/Visa or Gold MasterCard®/Visa issued by First PREMIER Bank. Both have an attractive APR on purchases and low annual fees. If you pay your bills on time and keep card spending low, you'll be offered a limit increase and will repair your bad credit fast.You may and you may not be approved for any of these cards depending on how bad your credit is. If you want to have more chances, we suggest you apply for a secured credit card meant for credit repair purposes. Because you secure the credit line with your own cash collateral, it is easier to qualify for. Once you boost your credit, you can change the card for an unsecured plastic. Evaluate the card's features and compare them side-by-side to make a wise decision. Apply for a credit card online. |
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User Name:
steven |
Date:56
October 7, 2008, 5:33 pm |
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I need to find a small business credit card with low interest for balance transfers and then a low interest rate going forward. I need to transfer $5700 of the balance on my high interest credit cards over and then have a credit limit of $20,000. Can you guide me where to look?
thanks |
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Answer:
If your credit allows you to qualify, you can apply online for one of the exclusive business credit cards with the features described. You should have a credit score varying from 660 to 850 and a long-term favorable payment history. Another major requirement is a high and stable job income to be able to manage the credit line. If it's all about you, look at what we can offer you. Blue for Business® Credit Card from American Express offers low interest rate on balance transfers until paid off and the same low rate after the intro period. Low rate on purchases, no annual fees and point rewards apply. Discover® Business Cashback Card comes with a low intro rate on balance transfers for 6 months and a reasonable rate after the intro period. 5% cash back bonus on business-related purchases apply.Before you apply, carefully learn the issuer's requirements. Make sure that your available credit is not too high already compared to your income. Check for late payments and erase them if there are some. Then, feel free to apply online. |
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