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Displaying 450 to 460 (of 560 questions) Page:   46 of 56
User User Name:
raul garcia 		Date:November 4, 2008, 5:39 pm
Credit Card Lamp I do not have any credit at this moment and I would like to know how I can build my credit and which card would be the best to start building it!?...
Thanks.
Answer:
Having no credit history can be no better than having bad score. The lack of financial experience is always associated with higher borrowing costs. If this is the situation you find yourself in - don't give up. With credit cards for no credit you can establish and build a solid credit history that will serve you for years to come! Consumers with 0-349 points are eligible for several credit card types. First, you can apply for a secured credit card like Secured Visa® from Applied Bank. It works similar to any other plastics. The difference is that you need to deposit a set amount of money in a savings account. Your spending limit will be equal to your deposit. The next option is cards for people with limited or no credit that require no deposit. If you think that such offers come with unfavorable terms, look at Platinum Visa from Capital One . It is targeted at young adults who have a stable income and at least some small score. You can take advantage of a 0% introductory APR on purchases and a low variable interest rate afterwards. If you are a student, you can apply for a student credit card. As it follows from its name, these offers are designed to introduce beginning college students into a new credit card world. Pay attention to Citi® Dividend Platinum Select® Card for College Students. It comes with a 0% APR on purchases and balance transfers and a favorable cash back rewards program. When you get approved for your first card, you receive an excellent chance to establish a FICO score. Lenders report your payments to credit bureaus. So make sure that you use your new plastic in the most appropriate and responsible manner. Well-considered money management is the core of your financial well-being!
User User Name:
Salman 		Date:November 5, 2008, 7:06 pm
Credit Card Lamp Need Balance Transfer at 0% APR for as long a period as possible with as low cap as possible on the maximum one time fee of transfer
Answer:

Balance transfer credit cards are a perfect choice for people who want to cut down their interest rates and pay off their debt faster. The main features you should compare are interest rates and the length of the introductory period. If you your budget doesn't allow you to eliminate your balance in full within the interest-free period, than choose the plastic that has the lowest ongoing APR.

Having a balance transfer fee is not the reason to get disappointed. It can be a fair price to pay in comparison with how much money you can save in the long run! A credit card with no annual fee and a 0% interest rate on balance transfers can be more beneficial than plastic with just a low balance transfer fee.

In order to help you make the right choice, we selected 3 credit cards with the longest introductory period. If you have excellent credit, consider Platinum Prestige card issued by Capital One®. It has no annual fee and a long 0% introductory APR on balance transfers and purchases. You will have enough time to shorten the life of your debt! Balance transfer fee is 3%.

If your score is good to excellent, then your match is More® Card from Discover®. It offers zero introductory APR for up to 12 months. You can also enjoy no annual fee and 5% Cashback bonus! It is a wonderful opportunity to get back a part of your expenses. But keep in mind that balance transfers don't qualify for the rewards.

Platinum Visa® from Chase bank is also designed for customers with good to excellent credit. It comes with a 0% introductory APR and no annual fee. This offer will help you minimize your borrowing costs! Balance transfer fee is 3%.
User User Name:
Gandalf 		Date:November 6, 2008, 10:18 am
Credit Card Lamp I have a secure credit card for the last 7 months and I have been paying the bills correctly. I checked my credit card it was 702 but I heard 7 months is too less a time to determine my credit history. When would be the right time to make a an unsecured credit card application? I also heard that its not advisable to have credit cards of low credit limits.
Answer:

Having a credit card with a low spending limit doesn't affect your credit score. Credit bureaus take into consideration your payment pattern, utilization ratio, the length of your credit history, the number of new inquiries and the types of credit that you have.

There is only one possible negative aspect of low limits that you should keep in mind: you can easily max out your spending limit. It will hurt your credit score. Try to keep your balance less than 30% of your available credit.

If your FICO score is 702 points, it means that you have significantly improved your credit rating! Congratulations! Now you can qualify for good credit offers. They come with much better features and terms than secured cards. Have a look at Citi® Platinum Select® Card® from Citibank. It comes with no annual fee and a 0% introductory interest rate on balance transfers and purchases. Free online banking services will help you manage your account online and set up automatic payments.

More® Card from Discover® is a good match for people who want to have a beneficial rewards program. You will earn 5% Cashback Bonus® in such categories as travel, home improvement stores, gas, groceries, restaurants, movies and many others.

Blue card from American Express® suits people who want to use their plastic for shopping. It offers no annual fee and a 0% introductory APR on purchases for up to 12 months. An attractive point rewards program will let you earn 1 point for every $1 you spend. The points that can be redeemed for gift cards, hotel stays, merchandise, and unique entertainment experiences.

If you are not sure that your credit rating is high enough to qualify for good credit offers, you may check you FICO score from all the three credit bureaus. It should be 660-749 points.

User User Name:
nicole 		Date:November 6, 2008, 11:01 am
Credit Card Lamp My husband took out what he thought was an ordinary credit card at Wells Fargo but wants to change banks but the bank wants him to keep his money in the bank now because of his card. How can we leave the bank. We have been paying the card on a monthly basis and sometimes oftener to bring down the $6000.00 dollar debt he has. We want to leave because Wells Fargo keeps charging fees to the card or taking out money from the card to put into the savings account. We would like to get away from this. Will we be able to transfer the amount from that card to another card without a lot of trouble? Mary
Answer:
If you want to move your debt from one plastic to another then balance transfer is what you need. This process is quite simple and trouble-free. Just choose a suitable offer at our site and submit an application online. If you get approved, give your new credit company the details of your previous card and request them to make a balance transfer. The new issuer will charge money from your account and pay off the debt.Keep in mind that balance transfer credit cards are targeted at people with solid credit score. The more points you have the more beneficial offers you can apply for. If you have an excellent or good score, look at More® Card from Discover or Blue from American Express®. They come with an attractive introductory APR, no annual fee and a lucrative rewards program. If your credit score is average, then consider offers from Capital One. Your perfect choice is Platinum card - it has a low rate APR on balance transfers.Don't forget to read the fine print before you submit an application. You need to make sure that you can transfer your debt fully. If the new credit limit is not high enough, then you will have a part of your debt on your old card. It is not your aim, right?
User User Name:
George Shiner 		Date:November 7, 2008, 8:54 pm
Credit Card Lamp What credit cards are available with NO balance transfer FEE or a maximum balance transfer fee less than ninety(90) dollars per transaction? Also, list the APR.
Answer:

Nowadays most lenders impose a balance transfer fee - 3% of the transferred amount. But "most" doesn't mean "all". You can still find some offers with no balance transfer fee on the market. There are three best credit cards for consumers wishing to move their balances without any additional charges:

Clear from American Express®. It is a fabulous offer for people with good or excellent credit score. This plastic comes with no annual fee, a 0% introductory APR on purchases and a low fixed introductory APR on balance transfers. Beneficial cash back rewards program will let you receive a part of your expenses back and increase your budget. No Hassle CashSM Rewards Card from Capital One®. This application is a good choice for people with good credit history. It provides no annual fee, a 0% introductory APR on purchases and a competitive ongoing APR on both balance transfers and purchases. In addition, you can benefit from an attractive rewards program. You will earn 2% cash back on purchases at major grocery stores and gas stations and 1% cash back on all other purchases.Platinum - Visa from Capital One®. This card is designed for people with average credit score. You can take advantage of a 0% introductory rate on purchases and a low ongoing APR on balance transfers. It's a great opportunity to cut down your credit card bills!
User User Name:
Tom Lutz 		Date:November 8, 2008, 10:36 am
Credit Card Lamp I use this for business use...gas is the most. I have excellent credit. Capitol One or is Blue Cash from American Express better?
Answer:
Let's compare their key features to help you make the right choice. Unfortunately, you didn't mention the name of Capital One card you want to apply for. Taking into consideration you excellent credit history and your typical expenses, we recommend you to pay attention to No Hassle MilesSM Rewards For Travel & Gas card from Capital One. It offers no annual fee, 0% introductory APR on purchases and 9.9% ongoing interest rate on balance transfers and purchases. Blue Cash® from American Express comes with no annual fee, a 0% introductory APR on purchases, a low introductory APR on balance transfers and a competitive ongoing interest rate on both balance transfers and purchases. As you see, both credit cards have very attractive features, so it may be difficult to choose which offer has the lowest finance charge. No Hassle MilesSM Rewards For Travel & Gas card is more beneficial for making purchases. Blue Cash® provides better rates for balance transfers, but Capital One card has no balance transfer fee. No Hassle MilesSM Rewards For Travel & Gas card has 25-day grace period, Blue Cash® - 20-day grace period. So using the first plastic, you will have more days to eliminate your balance in full without any interest charges.With Capital One card you will get 3 miles for every dollar you spent on gas and travel purchases and 1 mile for every dollar you spent on all other purchases. The miles can be exchanged for travel, cash, merchandise or donations to the charities of your choice. With AmEx card you will earn 1-5% cash back on everyday purchases (including gas). Analyze your needs and decide what rewards you want to receive more! In order to help you make good decision, we offer you the third card - Blue for Business® Credit Card from American Express. It can help you run your business more efficiently. You will be able to keep personal and business transactions isolated and control your work expenditures. In comparison with consumer Blue Cash® card from American Express, this business offer has better rates on purchases. Grace period is 25 days. The card also provides a good rewards program - you will earn 1 point for virtually every dollar you spent.
User User Name:
Bea 		Date:November 9, 2008, 4:35 am
Credit Card Lamp iIs there really a good credit card?
Answer:

All credit cards that we offer on our site are good. We deal with the largest and most reputable credit companies in the U.S. and select their best offers. Our experts regularly analyze all credit card features and rate the applications - "Great choice for balance transfers", "Best rates for everyday purchases" and so on.

Keep in mind that offers for bad or fair credit history cannot be as profitable as offers for good or excellent score. The reason is simple - such customers are considered high risk. But it doesn't mean that you have to be at disadvantage! On our site you can find attractive offers for each type of score. The more points you have, the more freebies and privileges they provide.

If your score is excellent or good, then pay attention to More® Card from Discover®. It comes with a zero introductory APR on balance transfers and purchases, no annual fee and a lucrative cash back program.

If you have fair score, than your good choice is Platinum card from Capital One®. It offers a 0% interest rate on purchases and a low ongoing APR. These features will help you significantly reduce your borrowing costs!

Customers with bad rating can take advantage of Centennial Gold MasterCard®/Visa from First PREMIER® Bank. Its main benefits are a low APR on purchases, an extendable spending limit and an instant response. The bank monthly reports to 4 major credit bureaus, so you will be able to improve your credit score if you use your plastic wisely.

User User Name:
carla ouchie 		Date:November 9, 2008, 11:28 am
Credit Card Lamp Need a card to establish credit and not a prepaid card
Answer:
You can apply for a credit card even if you have less than average credit history. But you need to select the right offer to get approved. Start building your credit with Capital One Bank! It provides a number of credit cards designed for young adults who have "limited" or no credit history. Consider applying for Platinum - Visa card. It is an excellent match for people who are looking for a manageable credit line and low interest rates. But keep in mind that you need to have a job and stable income to qualify. If you are a student, your good choice is Citi® Dividend Platinum Select® Card for College Students from Citibank. You'll enjoy no annual fee, 0% intro rates and a lucrative cash back rewards program. You can also manage your account online, set up automatic payments and put your own photo on the card. In case you are not a student and you do not have stable income, we offer you to start up with a secured credit card. Pay attention to Secured Visa® Credit Card issued by Applied Bank®. It is easier to qualify for this plastic because you compensate for high risk by depositing money into a savings account. The amount of deposit will be your spending limit. A secured card helps build credit quickly because it reports to the major credit bureaus.
User User Name:
Leigh 		Date:November 11, 2008, 4:00 pm
Credit Card Lamp Hi - I am looking for the best credit card for my situation. I have $13000.00 in medical expenses that I intend to pay for in full upon recepit of credit card bill. I would like to take advantage of the situationby paying with a cash back card. Most cash back cards however only allow for purchases made at grocery, gas, department stores. What is my bets option for a cash back card wihen the purchase is for medical services. Thanks,
Answer:

Cash back program is an excellent feature that can make your plastic very profitable. The rewards will help you eliminate a part of your debt or cover some borrowing costs.

There are many tempting cash back offers on our site, so it can be difficult to find the most suitable one. We have chosen 3 credit cards that can help you achieve your financial goals.

Blue Cash® card from American Express suits people with good to excellent credit. You can earn up to 5% cash back on everyday purchases made at U.S. supermarkets, gas stations and drugstores, and 0,5 -1,5% on all other purchases. Plus, the card offers a 0% introductory APR on purchases for up to 12 months and no annual fee.

No Hassle CashSM Rewards card from Capital One® is designed for people with a good credit score. You can get 2% cash back on the purchases made at major grocery stores and gas stations and 1% cash back on all other purchases. There's no limit to the amount of the rewards you can earn. Such features as no annual fee and a long 0% introductory rate will help you pay off your debt with minimal additional expenses!

Citi CashReturnsSM Card from Citibank requires good or excellent credit rating. You can earn 1% cash back on every purchase you make and 5% additional cash back at 400 popular merchants within the Citi Bonus Cash Center. Moreover, the bank offers a 20% bonus on the cash back rewards that you earned during the first twelve months. It will help you fatten your savings!

User User Name:
michelle 		Date:November 12, 2008, 3:12 am
Credit Card Lamp i only have 2 credit scores. one is 701 the other is 559. what would be the best card for me? can i get a card without paying an annual fee?
Answer:

The results of your credit check are very surprising. The difference between your scores is very significant. Typically, it is 10-30 points. In your case it is nearly 150! According to the first result, you have good credit. The second score shows that your score is poor!

Due to this strange difference, it is very difficult to offer you a suitable credit card. We don't know what score the lenders will take into consideration. If we offer you a card for good credit, but the bank decides that your score is poor, you may not qualify.

The best solution for your situation is to request your credit reports from all 3 credit bureaus and check the information carefully. You need to understand why your scores have such a big difference. You may find errors, out-of-date information and even accounts that you didn't open.

Then, we guess that one of the credit scores you noted is not FICO. Some credit bureaus have their own scoring formulas, for example VantageScore. Find which credit score is FICO and choose an application according to it.

If you have 660-749 points, it means that your credit is good. Consider Citi® Platinum Select® Card® from Citibank. It has a very low finance charge. You will enjoy no annual fee and zero introductory rates on balance transfers and purchases. They last up to twelve months.

If you have 620-259 points, then you have fair credit. In this case your best choice is Capital One® offers. Pay attention to Classic Platinum card - it has a low annual fee and a competitive APR.

Having 350-619 points mean that you are eligible for bad credit offers. One of the best cards in this group is Centennial Gold MasterCard®/Visa from First PREMIER® Bank. Its main advantages are an extendable spending limit and a low APR on purchases. The bank monthly reports to 4 major credit bureaus, so you will have an opportunity to improve your rating.

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