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User Name:
steve |
Date:
February 9, 2007, 4:08 pm |
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i have a Hsbc credit card but like to change it too mastercard credit card |
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Answer:
If you`ve already had one of HSBC bank cards, you can make sure that it is actually a MasterCard! The thing is that MasterCard credit cards are issued by many banks, including HSBC bank, Advanta Bank, Chase and CitiBank. The question is what MasterCard you want to get exactly. Any way, if you want to close you HSBC credit card, you should follow some reasonable instructions not to damage your credit score. The first important rule is to cancel the card only after you have paid off the balance in full. In case you`ve paid off your credit cards balance you need to cancel the account. First of all, notify your card issuer by phone, printed on the card back, that your balance is zero and you want to cancel your card. A card company representative will try to persuade you to keep the card open and may offer you some perks. If you`re not convinced to keep the card, go ahead with your cancellation procedure. Write a letter to credit card issuer, which says you`re closing your account and want your credit record to reflect the fact that you requested the account to be closed. Send it by certified mail to escape any misfortunes. Check your credit report in about a month to make sure there are no mistakes in it and contact credit card company customer-service department in case you find any. |
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User Name:
Kennisha |
Date:
February 11, 2007, 10:36 pm |
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Are there any gas cards for people with poor credit |
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Answer:
Although there is a substantial number of credit card deals available for people with a poor credit history, there aren't as many credit card deals options as for those consumers who have good credit. In fact, gas credit card requires a good credit history. But fortunately,you can rebuild your credit making use of bad credit cards. Note that with some bad credit card offers you get low rates and fees, while the best bad credit card offers suggest rewards as with cash back or gasoline card. After 12 months of positive on time payments you will get an unsecured status. Then you will probably be approved for gas credit cards. So, rebuild and strengthen your credit in order to get the best gas credit cards.
Best,
Manager of Immediate Credit Card Care Service |
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User Name:
very confused |
Date:
February 13, 2007, 3:30 am |
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how do i get a credit card to build credit without all the fees? |
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Answer:
If you want to build credit, you seem to have no credit history. In this case you can afford bad/no credit cards , issued by Orchard bank and First PREMIER bank. Among these cards for people with bad/no credit history you can select the most applicable secured credit card, for instance, Orchard bank secured card or New Millennium card. Also, if you`d prefer an unsecured credit card to build your credit, you should regard unsecured First PREMIER card applications or Orchard bank card deals. Unfortunately you can scarcely get a credit card without any fees at all. Building your credit you should pay account setup fee, program fee, annual fee and some others if applicable. Still the fees are fairly tolerable with respect to credit cards function to build strong credit and reinforce your financial position. With your credit score improved you can count on getting no annual fee cards, no fee balance transfer cards and other credit cards with more profitable terms. |
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User Name:
Crystal |
Date:
February 13, 2007, 5:39 am |
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can I have twoor more credit cards from the same bank? |
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Answer:
Yes, as many as you want, subject to the bank's conditions. The credit limit is common and shared between all of the cards. If you are a reliable credit card holder with a reasonably good credit rating as well as credit card history, and you make your payments on time, the bank has trust in you. In addition, you are to note that if you get a new credit card with the bank, it will be reported as a separate account. In this respect, you’d better talk to the bank about upgrading you existing account. Most banks will do this if your account is in good standing. So, if you are going to get some more credit cards, you are welcome to study our credit cards at BestCreditOffers.com. |
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User Name:
Jamie |
Date:
February 14, 2007, 7:36 pm |
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I have fair to poor credit. I am trying to rebuild my credit but i want to consolidate my credit cards and payoff some bill so i can make one payment. I need a credit card with at least 5000.00 limit on it but i can't seem to find one with my credit history. Where can i find one? |
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Answer:
If your credit is fair to poor you still have a chance of consolidating your credit cards by means of balance transfer credit card for poor credit history. The first option you can use is to apply for one of secured credit card, namely, New Millennium Platinum Visa or Platinum MasterCard with balance transfer option. As far as this card is secured, your credit limit will be determined by your bank account deposit, which should be 100-200% of credit line required depending on the bank. Nowadays you can also try to apply for Orchard bank CreditVue MasterCard with balance transfers available, improve your credit in due course and apply for a credit card with required credit limit. If your credit is close to fair, you can also try one of Capital One credit cards with balance transfer option, for instance, Capital One Platinum Basic credit card, intended for people, whose credit needs improvement and offering credit line up to $5,000, or Capital One Platinum card for people with limited credit and credit line up to $3,000. |
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User Name:
Jennifer |
Date:
February 15, 2007, 1:40 am |
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i want to balance transfer on to one account i filed bk last feb any advise |
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Answer:
If you filed bankruptcy last February, it is recorded in your credit report and most probably damaged your credit. In other words, you seem to have bad credit history. Still the first reasonable step you should take is to obtain your credit score first from one of the national credit bureaus: Experian, TransUnion, and Equifax. You can also get your score through the official online source established for this purpose. If you`re aware of your credit score it`s easier for you to select proper credit card application. To consolidate your credit card debts you should apply for one of balance transfer credit cards. Generally speaking, American banks tend not to issue balance transfer cards for people with bad credit score. The exception is one of bad credit secured credit card, namely, New Millennium Platinum Visa or Platinum MasterCard with the benefits of Platinum status, including emergency cash transfers, free $150,000 accident insurance, free auto rental insurance, and free extended warranty protection. You can also try to apply for Orchard bank CreditVue MasterCard with balance transfers available. If your credit is close to fair, you can also try one of Capital One credit cards with balance transfer option, for instance, Capital One Platinum credit card, intended for people with limited credit. |
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User Name:
stanley slater |
Date:
February 15, 2007, 2:05 pm |
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The caption in this particular credit card heading states "no transfer fees"..butwhen looking at the details I could not find any info. stating what their cards policy is on this subjec...like fee or no fee for transferst??? The card is Discover Card Platinum Card....thanks Stans |
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Answer:
Discover Platinum credit card is one of the best balance transfer credit cards available for people with good-to-excellent credit score. This card provides 0% intro APR for purchases and balance transfer within 12 months’ introductory period. Thereafter this card remains low rate card, offering about 10.99% APR, which is fairly low.
If you study credit card terms in depth, you’ll make sure, this card really demands no balance transfer fees, saving your money greatly. Besides, obtaining Discover Platinum credit card you get unlimited cash rewards, which will never expire and cash back on purchases, which will cut down your expenditures. Apply for Discover credit card without any doubt! |
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User Name:
Sue Langlois |
Date:
February 16, 2007, 2:38 am |
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looking for 0% on balance transfers....12 months with NO balance transfer fee.
Great Credit Rating |
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Answer:
With positive credit history you can freely apply online for credit card, choosing among the best balance transfer cards, credit companies and banks have on offer. Some of them really suppose 0% on balance transfers for up to 12 months and no balance transfer fee. Much depends on the way you are going to use your card, the sum you want to relocate and the kind of bonus points, you wish to earn. For example, you can give preference to balance transfer cards, that give 5% cash back when you purchasing with the card, or credit cards with free rewards program. We advise you to look through balance transfer cards from Discover Bank, Chase Bank and American Express and then make your choice.
Best,
Manager of Immediate Credit Card Care Service |
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User Name:
Lita Cobb |
Date:
February 17, 2007, 2:25 am |
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need a credit card with lower rate. not AmEx card |
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Answer:
With good credit history you can find one of the lowest rate credit cards very easily. There are numerous credit card applications, besides American Express cards, which feature low interest and guarantee 0% fraud liability. More than that, many credit card deals of this kind ensure getting rewards and smart bonuses. Please, consider CitiBank credit card deals and make Citi Platinum Select Card application and enjoy $0 Liability on unauthorized purchases. Two more favorable terms these cards offer are no annual fee requirement and balance transfer option. |
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User Name:
Andrea |
Date:
February 18, 2007, 2:40 am |
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have had past credit problems and am now gettting back on my feet and need a credit card |
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Answer:
It's important whether or not you've paid off your debts. If all your credit problems, or at least the most part of them, remained in the past and you are ready to rebuild your credit history, - there's nothing better than a secured credit card. A number of credit card companies and banks offer such a card whereby you deposit a special some of money in a bank to guarantee payment. Later, when you pay your secured credit card back, you can pretend to better credit card offers and, step by step you can build a good credit history to enjoy the cards with the most attractive options. Good luck! Best, Manager of Immediate Credit Card Care Service |
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