| Displaying 100 to 110 (of 438 questions) |
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User Name:
Aravinth |
Date:
October 23, 2006, 6:52 pm |
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I got my secure credit card and i am paying all the payments well before time. I want to know how my credit score is being determined. When i apply for an auto insurance, they later came back and said i have fair credit score. i recent to came to USA from india and this is my first secure card. Let me know how can i improve my credit score. I am a prompt payer, even before the bills generated i used to pay the amount in advance for my card. |
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Answer:
If you keep on being so accurate a payer, you'll be able to accumulate about 100 points per year. If you have a bank account, if you have several open credit cards (not necessarily with a balance on them), if you have paid off a number of cards and own a property - all this adds to your credit history much. To improve your credit you can apply for another secure card, and after paying both off, get unsecured cards - thus more and more beneficial cards will be available for you.
Best regards,
Manager of Immediate Credit Card Care Service
www.BestCreditOffers.com |
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User Name:
kamal saad |
Date:
October 23, 2006, 7:03 pm |
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can you lend me 1000 dollars |
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Answer:
Dear Kamal,
if you need to borrow $1000, I can only advise you to apply for a credit card with this amount as credit limit. But you should be careful to apply for a card for which your credit score is eligible.
Best regards,
Manager of Immediate Credit Card Care Service
www.BestCreditOffers.com |
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User Name:
Gordon |
Date:
October 23, 2006, 9:54 pm |
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My FICO scores are 633, 616, 693...what is the best card for me to apply for? |
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Answer:
616 points equals to bad credit, 633 - to fair credit, 693 - to good credit. Too large a divergence, isn't it? Maybe, you should apply to the bureaus and, maybe, there is something to add into your credit reports to make them more or less equal. Besides, you should take into account that commonly banks regard the lowest score of the three, so primarily you should count on your bad score and bad credit cards.
Good luck,
Manager of Immediate Credit Card Care Service
www.BestCreditOffers.com |
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User Name:
kam |
Date:
October 25, 2006, 5:31 pm |
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which cards report every month to all bureas? dont they have to report to at least one? |
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Answer:
Yes, while almost every credit card should provide reports to at least one credit agency, there are banks that send reports to several credit bureaus. This helps people with no or poor credit improve their credit history. First PREMIER bank credit cards allow reporting to 4 major credit bureaus, and Orchard Bank credit cards report to 3 major agencies.
Best regards,
Manager of immediate Credit Card Care Service,
www.BestCreditOffers.com |
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User Name:
sarah |
Date:
October 25, 2006, 8:07 pm |
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i have been made bankrupt, and now am clearled of this but would like too rebulid my credit. please could you tell me which credit card company will help as i am still beening declined |
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Answer:
Bankruptcy can remain on your credit report for 7 years. Now you should look for a credit at an reasonable price and rate. Or, you can make purchases at stores that will give you a small credit. We offer credit cards for bad or no credit and work with First PREMIER Bank and Orchard Bank.
Best,
Manager of Immediate Credit Card Care Service,
www.BestCreditOffers.com |
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User Name:
Mere |
Date:
October 25, 2006, 11:40 pm |
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I would like to get a secure card, however the ones that I have applied for ask for a checking account. I have a mastercard but not a checking account at this time. Is there any way to bypass this or are there companies that are out there that will take the secured deposit out of a card instead? |
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Answer:
Our secured credit cards require making a bank deposit. The limit on the card depends on the amount of the bank deposit. Then the bank can take money from your deposit if you don't pay your bill.
Secured cards are usually given to people with credit problems. See secured credit cards for to evaluate the offers.
Best regards,
Manager of Immediate Credit Card Care Service,
www.BestCreditOffers.com |
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User Name:
Brody |
Date:
October 27, 2006, 7:38 am |
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I am 18 years old and I am trying to find a credit card for someone that has no credit, but I also would like to NOT pay an annual fee... Is there a credit card that's right for me to build up my credit? Please help! |
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Answer:
No annual fee credit cards are available for people with good and excellent credit. All bad and no credit card deals require an annual fee. The lowest annual fee is offered by the Secured MasterCard. Be aware of other possible fees such as late payment or other fees. a secured credit card will help you establish a credit history.
Good luck,
Manager of Immediate Credit Card Care Service,
www.Credit-Land.com |
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User Name:
Rob |
Date:
October 28, 2006, 9:54 pm |
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I just applied and got approved for a Blue for student American Express card with a 9,000 limit. My APR is something like 4.99% but my question is what does this apply to? If i pay off my full balance a few days before its due, every month, will i ever have to pay APR? I guess my question is this, does APR apply to your overdue unpaid balance, or is it included in my statement at the end of the month, if i always pay it off in full. Thanks so much for your help |
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Answer:
If you have 4.99% fixed APR for the life of the balance, this means you pay the APR along with the other monthly payments, but the rate is indicated as per year. In fact, this charge will be less, when your monthly payments lower the credit amount. If you do not pay your credit card bill in full monthly, the APR can greatly affect how much money you give your credit card company for the short-dated use of their money. According to the terms and conditions, your account is reviewed monthly and will be considered in default if minimum payments are not timely paid one time, or seriously in default if minimum payments are not timely paid two or more times, your account is overlimit three or more times, or your payment is returned by your bank or financial institution, in each case during any portion of the 12-month period ending with the Closing Date of the current billing period. For more information, see terms.
Best,
Manager of Immediate Credit Card Care Service,
www.BestCreditOffers.com |
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User Name:
Kathy |
Date:
October 28, 2006, 10:26 pm |
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I have had a problem in the past with my social security number getting used by someone else. I no longer give my social security number when applying for credit.
I have a small business and have aquired an EIN number. Are there any credit card companies that issue credit with an EIN number instead of a social security number?
I don't want a repeat of what happened.
Thanks |
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Answer:
In fact, our credit card applications require your social security number to proceed the application. So probably do the other web services. We understand that very often people are victims to identity theft and other troubles. But, unfortunately, we do not provide any phone numbers or links, so you will have to make a small web research yourself.
Best,
Manager of Immediate Credit Card Care Service,
www.BestCreditOffers.com |
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User Name:
Nik |
Date:
October 29, 2006, 11:31 pm |
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Has anyone had experience trying to redeem either the free companion ticket feature or the mileage redemption feature on this card? It seems too good to be true: a free companion ticket for any fare above $300, and getting points for spending as well as miles flown? Does Citibank make it difficult to redeem these? Are there catches that I am missing? Thanks. |
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Answer:
Unfortunately, we have not received any life experience descriptions concerning mileage programs. Our visitors are free to share their opinions. You can as well try getting a credit card with airline points at our web site. Ctibank offers frequent flier credit cards. You can find them marked with the airplane picture.
Best wishes,
Manager of Immediate Credit Card Care Service,
www.BestCreditOffers.com |
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