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User Name:
rich goodwin |
Date:56
March 2, 2007, 3:35 am |
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how can i get a credit card with 0 apr has no trasfer fees and gives you longer than 12 monts of o apr |
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Answer:
Generally, it is your credit score that determines if you can get one of the best credit cards, offering the terms you`ve mentioned. Therefore it`s strongly recommendable 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 your credit allows, you can count on getting low APR credit card, featuring 0%APR and 0% balance transfer within intro period of 12 months. Thus, you can apply for CitBank Platinum Select card, Chase Platinum credit card, or Discover Platinum credit card. Looking for a credit card with longer intro period you can apply for one of American Express cards, namely, Blue American Express card with intro period of 15 months, provided you`re lucky to have excellent credit score. |
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User Name:
TASHA |
Date:56
March 2, 2007, 6:33 pm |
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I AM LOOKING FOR A CREDIT CARD THAT HAS A NO DEPOSIT FEE CAN YOU PLEASE HELP ME FIND ONE |
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Answer:
As far as we`ve understood from your inquiry you`re looking for credit card, demanding no security deposit. Nowadays there are many unsecured credit cards, assigned for people with any credit score and even no credit score at all. If your credit rating leaves much to be desired, you have no reason to despair. All you need, is just to compare credit card applications affordable and apply for one of bad/no credit cards. Many of poor credit card offers demand no security deposit. These are First Premier credit cards and Orchard bank credit cards Regard credit card terms in depth and apply for a credit card wanted without any doubt! |
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User Name:
healthcareprofessional |
Date:56
March 3, 2007, 8:16 am |
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Hi, I have a bad credit because of medical bills and late payments not because of high number of credit card debts. My student loans were consolidated during marriage and during divorce finances were a mess. Now, as a single mother, professional, 33 year old, making 50K year I am in need of a credit card not to use it but to BUILT the credit again, Now is 540-590 depending on who gives the FICO score. I have a checking, savings and one credit card only via Bank of America. I want to know do I qualify for the following: 1) Any American Express cards? 2) A personal loan in a small credit union such as Eastern FInancial. I appreciatte the help your site brings. Please do not hesitate to tell me a real opinion, I need to find some real advice and do not wish to just apply for the sake of applying. Priority is to built credit. |
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Answer:
Since your credit is bad, the primary step you should make is to repair it. Unfortunately, you can`t afford any of American Express credit cards now, because these are credit cards, requiring at least good credit score. The thing you can do, is to apply for one of bad credit cards, issued by First PREMIER bank or Orchard bank. These cards can really help you to build your credit, provided you make all payments timely. Thus, compare credit cards for bad credit stepwise and pick the most convenient one. Another way to improve your credit may be a bad credit personal loan. A bad credit personal loan has a positive impact on one?s credit history, provided the repayments to the loan are made regularly. The main idea behind the refusal to the people with bad credit is that they fear that the default or bankruptcy will be repeated. With a collateral to back the personal loan, the lender is assured that the loan would not be defaulted. Thus, the way you can follow, is to apply to Eastern Financial for a secured personal loan, if you fail getting unsecured one. |
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User Name:
Ryan |
Date:56
March 4, 2007, 3:15 am |
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What credit score is considered good credit? |
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Answer:
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. |
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User Name:
efrain davila |
Date:56
March 5, 2007, 2:59 am |
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when will i be getting my card |
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Answer:
In case you`ve applied for one of instant approval credit cards and got online credit card approval of your application and a special code, certifying you could receive the credit card chosen, you`re absolutely sure to get your card by mail in a week or two. Still, if delivery procedure is delayed and you`re getting no information about your credit card, and you`re worried about it, you can access the official site of your credit card issuer and contact their customer service. Irrespective of your credit history and consumer category you`re sure to get all necessary information concerning your credit card delivery. |
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User Name:
Liz Fitch |
Date:56
March 10, 2007, 5:50 pm |
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I have good credit score. I want a % APR for maximum amount of time with no balance transfer fees for more than one credit card balance.
Which card do you recommend? |
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Answer:
If your credit is good, you can easily find a credit card with the required features, namely, intro 0% APR with long intro period and no fees for balance transfer operation. Analyze our balance transfer credit cards and pay your attention to Discover Platinum credit card, offering 0% APR on balance transfer and for purchases within 12 months? intro period, and no fee for balance transfer. This card also ensured 5% cash back at gas stations, restaurants, department stores etc. and requires no annual fee. Discover platinum card is intended for good-to-excellent credit applicants, therefore perhaps, you should improve your credit score a bit before you`ll obtain it. Still, you can consider some of the CitiBank credit cards, providing balance transfer option, intro 0% APR for 12 months and demanding no fees. Citibank cards are assigned for good credit holders. |
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User Name:
Joe |
Date:56
March 10, 2007, 10:58 pm |
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i have a 636 credit score and 9 inquiries and 2 delinquincies on my credit report. my current credit is used up at 80% and i want to transfer some of the balance to 0 percent cards. i have some debt at 10, some at 12%, and another card at 15%. are there any cards that will appove me with my situation? |
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Answer:
Having delinquencies and infractions means that you have bad credit, but still can get a new credit card. Bad credit cards can do you a lot of good: you can pay off the debts quickly and make payments for your credit for bad credit on time. The interest rate on balance transfer is on average 10%. At our site you can find the detailed information about credit cards, compare their terms and make a choice. But only the bank, which credit card you choose, makes the final decision. Its specialists check all the information they need: the sum of your total debt, ratio of your debts and your income and etc. Good luck! |
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User Name:
robert h dwello |
Date:56
March 11, 2007, 4:18 am |
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can i activate my hsbc mastercard on line |
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Answer:
If you want to activate your credit card, you should read the instructions given in the approval letter (you should have received it by mail or by e-mail). The process of activation differs in different banks, so you should follow the instructions of your bank.
In most cases you are supposed to go to the official site of the bank and get registered there, filling out the given form. You usually have to enter the activation code, and your card starts working.
You can also be asked to call a toll-free number and dictate the activation code to the operator. |
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User Name:
Leticia |
Date:56
March 12, 2007, 4:09 am |
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I dont have suffiecient credit history. but i want to get a credit card. No one ones to give me a credit card because of insuficient credit history. So how am i supposed to get a credit history when i am being denied credit card. Please help me. |
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Answer:
If you are denied a credit card, there is an opportunity to get a secured credit card. Secured credit cards is a good way to begin establishing your credit history. Firstly, you should open a bank account to confirm your financial stability. And after it you can make online credit card application. Our credit card applications for bad credit allow you to apply for credit card with a poor credit score. Guaranteed approval credit cards can be also beneficial but you must have enough income. They charge higher fees and rates. You can also solve this problem with the help of a co-signer, a friend or a relative, who will have to pay your debt in case you fail to do it. |
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User Name:
Robert R. |
Date:56
March 13, 2007, 3:01 pm |
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I have a home equity line of credit that has an interest rate of 7.5%. I would like to get a credit card with no transfer fee, low interest rate (below 4%), for the life of the balance. I called AX, which I have a HH plat., and they didn't have anything available now. I heard Fifth Third has such a card. Can I transfer a home equity balance to a credit card?, and whom do you suggest? |
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Answer:
Generally speaking turning home-equity debt into credit-card debt is possible. And, under right set of circumstances it can even save your money. When the interest rate is lower and you can afford the credit card payments? carrying credit-card debt is in fact safer than owing money to your mortgage lender. Still, be ready to make higher payments, because home-equity loans or lines of credit are typically amortized over 10 or 15 years, while credit card minimum payments use a shorter horizon. If you're going to hand a massive balance over to a credit-card company, it's best you do it with a balance transfer offer that promises a fixed rate for the life of the balance. And while 0% APR offers may look tempting, be careful. Those typically last for six to 12 months. Once the promotional rate expires, you'll be hit with the card's regular interest rate, which can run 18% or higher. Then, make sure the credit-card limit is high enough. Aim for at least twice the balance on your home loan. This way, you credit score isn't likely to drop because of high utilization. And it would wise of you to accept balance transfer credit card offer with no balance transfer fee. Fees have been on the rise and can go as high as 3% or 4% of the transferred balance, with no limit. Compare our balance transfer cards, and apply for one you like! |
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