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Immediate credit card care service

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April 26, 2007, 11:28 pm
Thanks for your reply.
I worked with 3 bureau\'s and monitor my file to improve my Fico and clean my report but still i have been rejected giving reason, that I have BK in my reports. What can I do? What do you suggest?
Thank you.
You have to give it a fresh start. Most bankruptcies remain on your Credit Report for 7-10 years, you can only reestablish your credit after filing. Clear your Credit Report of errors (check your Credit Reports have accurately recorded your pre-bankruptcy debts as "Included in bankruptcy"). Under the Fair Credit Reporting Act, you have the right to dispute inaccuracies. Rebuild your credit history. Keep your employment stable, pay all your bills on time.
Apply for a secured card (or even a few) like the Orchard Bank Mastercard from HSBC that can be paid off each month. 1-2 years after bankruptcy you may be able to receive a home loan. After 7 years, the accounts marked as "included in bankruptcy" should be removed from your Credit Report. The bankruptcy record itself will be removed after 7-10 years depending on the chapter that you filed.

No More Bankruptcies,
Manager of Immediate Credit Card Care Service,
www.BestCreditOffers.com
April 26, 2007, 11:29 pm
can I have twoor more credit cards from the same bank?
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.
April 30, 2007, 5:12 am
I have an American Express Rewards Green card which has a no pre-set limit. This is the second year of having credit cards and establishing any sort of credit history. I am learning as we speak. Anyhow, I have about a two thousand five hundred dollar balance on the card and I am expected to pay 1 thousand at the end of this month. I can pay the amount, but I would rather not. Instead of shelling out so much to pay for it, I would like to know if there is a card out there which I can apply for with a 648 credit score and transfer all of it to the new credit card. If it is even possible. If anyone can answer my question, it would be greatly appreciated.
Your credit score means that you have a fair credit. Nowadays many banks offer credit cards for people with fair credit. We advise you to look through fair credit credit cards at our site. You can make a step-by-step comparison of fair credit cards and their features and only then choose the suitable card. At our site you have a possibility to apply for the credit card online.
April 30, 2007, 5:23 am
how quickly can I receive my card?
When you make an application for a credit card online, you wish to get a credit card as soon as possible to start spending. The credit card issuer needs some time to consider your application, check your credit report and then make a credit decision. According to the type of credit card it can take a minute (with instant approval cards), a couple of days, a week or even a month. Unfortunately, we do not know what type of credit card you applied for. For example, if you apply for instant approval credit cards you can receive your card in several days. At our site you can also find the detailed information about the top banks and the best credit cards they offer.
April 30, 2007, 5:25 am
I have an invitation from 1st financial bank. Could you please help me know whether i could take the card and what are the pro's ans con's of 1st financial bank USA Visa card for students.
Unfortunately, at our site we do not present credit cards from 1st Financial Bank and cannot help you. You need to apply to your bank directly to clear up these moments. We suggest you to look through the detailed information about student credit cards presented at our site. Among the best student credit cards you can find credit cards for college students and high school student credit cards. You need just compare these credit cards, their terms and features, choose the best one that suits your requirements and make a student credit card application online.
April 30, 2007, 5:28 am
Over a week ago I applied for a Disccover Clear card, for balance transfers, and would like to know the stattus of my application is and how long does it take to process it.
Your reply would be gratly appreciated.
Thank you,
T. Rusiecki
When you apply for a credit card online the bank needs some time to consider your application, check your credit report and then make a credit decision. This time depends on the type of the credit card you applied for. It can take a couple of days, a week or even a month. Then the bank sends you a statement. There you can find the information about your status and other data concerning your credit card. You can get this information only at the bank. Just call the customer service of the bank and ask your questions.
April 30, 2007, 5:33 am
My M&T Bank/FIA Services Visa recently jumped from 4.9% to >10% with no warning. They claim they sent me a letter notifying me of the change in December, but I did not receive one and now I'm really in a jam. I am not able to transfer the full $10,000 balance to another card because I don't have the available credit on them. Do I have any other options? I tried speaking with a manager last week, but he was of little help and his only suggestion was that I contact a credit consolidation company for help. I don't want to ruin my credit. I've never been late on a payment.
You see, we do not present the credit cards offers from M&T Bank at our site. Only the bank can clear up you this situation. We can recommend you to get a new credit card that is available for balance transfer. Unfortunately, it is not clear from your inquiry what credit score you possess. Your credit score is important, because not all credit cards are available for balance transfer. At our site we present the balance transfer credit cards mainly for good or excellent credit. Some fair credit cards (from Capital One) are also available for balance transfer. You need just compare their features and requirements and make the choice. Also you can apply for the credit card online.
April 30, 2007, 5:53 am
Hi, My credit FICO score is 705 , however I had a chapter 7 bankruptcy 3 years ago, can you advise me what banks would take a bankruptcy with a good credit score? I do not want a high interest rate with a score over 700 , thanks
It is extremely bad as your credit history has suffered. It may take a long time to be approved. Don't expect to get a large credit limit after bankruptcy. Bunkruptcy information may be reported for 10 years.In this case you can get only certain cards which are called secured credit cards. Unsecured credit cards for bad credit are also profitable but they are expensive and give little credit. On sites of some banks you can choose a card, fitting to you, without its ordering. Just fill the service-list, pointing your credit conditions, and it'll show you the list of cards. But before you start applying for a loan, check your credit report and make sure all your accounts are in order. For many issuers your income is more important than your financal problems. You should explain why you went bunkrupt.You can give preference to Secured Mastercard from Orchard Bank with low APR and low annual fee.
April 30, 2007, 5:59 am
What credit score is considered good credit?
To tell you the truth, the original formula of the FICO and other scoring models is a trade secret. Still, Fair Isaac designates five factors, affecting your credit score and the importance given to each factor. Other scoring models include most of the same factors. However, the weight given to individual factors may vary. Thus, you credit score is determined by your payment history, amounts owed, length of your credit history, new credit obtained, and types of credit used. It isn`t a secret that the most important factor is your reliability, expressed in paying your bills timely. The number of delinquent accounts and the length of time the account went unpaid also factor into the calculation. Your payment history may also include financial problems that have ended up in court such as bankruptcy or judgments entered against you. Generally the requirement for good credit is 660-749, and you`re considered to have good credit history, which means you can afford to apply for good credit cards with fairly inviting terms.
April 30, 2007, 6:17 am
I have applied for a discover card almost one month ago. I called today Discover card and they have no record of any application. Are you a broker? Do you have a name? Phone number? Address? an e-mail address? It very much liiks like a fraudulant site. If I do not get a reply from you by tomorrow, with a name, address and a phone number that I can refer to, I will consider your site fraudulent and contact authorities.
You see, we are only the site that presents the up-to-date and sufficient information about the best credit card offers from the leading credit companies and place them in a way convenient for comparison. When you apply for a credit card online you barely click the link "Apply online" at our site. You fill an application form already at the official site of the bank. Our website is only an intermediate publisher. Perhaps, you have made some mistakes in making online application. Why do you think that it is our error if Discover bank has no record of your application? It is not clear. We do not provide our customers with our contact information, therefore we can not give you our contact number and address.
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