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Answering your questions is our job and we love it! The bank account is not an indispensable factor to be approved for a credit card. Much depends on the type of card you are going to apply for. There are the so-called secured credit cards, which are generally (but not necessarily) issued to people with bad or no credit history. To get such card you must deposit some amount of money to guarantee your ability to pay off your debt. Thus, you can't receive a secured card without an account. If you wish to obtain an unsecured credit card however you can do without a bank account. The much more important thing is to consider your credit report and to learn your credit score. It is the score that defines your creditworthiness. Mind, that if the score is low, unsecured cards for bad credit generally charge higher interest rates and fees. The initial credit limit is rather low; it'll increase gradually as long as you pay all the bills on time. The unsecured cards can be a helpful tool in rebuilding your credit, if you use them properly (make all the payments on time). Look through the page devoted to the cards for bad credit and choose the card you like. Compare all of the terms and conditions attentively. Fill the application and wait for an approval. All the best, Manager of Immediate Credit Card Care Service When you apply for this or that card it is very important to make sure that you are eligible for it. If your score is 605 you can apply only for the cards for bad credit. Otherwise you’ll be denied, and each denial hurts your score. Nowadays many banks, such as Columbus, Dakota, First PREMIER, Millennium and Orchard, offer deals for people whose score is bad. Some of them, for instance Bank Gold MasterCard®/Visa and Bank Centennial Gold MasterCard®/Visa from First PREMIER, even imply instant approval that means the decision is made in a few minutes. Consider all the information about each card, compare the present offers and choose one that suits your requirements. After you’ve chosen the card you like just click “apply”, fill the required form and submit an application through our service. All the best, Manager of Immediate Credit Card Care Service A credit card balance transfer implies reallocating your debt from high rate card to a better one. It's often used to save money, because the majority of credit card companies offer no annual fee and 0% APR on balance transfers for new customers. Besides, it is also possible to consolidate debt from more than one card. At our site you can find the best balance transfer cards applications that will help you solve the problem of debt. Compare all 0% balance transfer cards options properly, fill the application and submit it online. Balance transfer cards in fact help you to move your high-rate balance to a better card. So, you can avoid debts with their help, and consequently, it will positively affect your credit. Mind that these cards are designed mainly for people with good or excellent credit history, so request your report before applying for a card. All the best, Manager of Immediate Credit Card Care Service Balance transfer is a widespread way to consolidate the whole debt on the one card that generally offers better terms - lower APR, 0% intro APR for balance transfers, no extra fees, etc. Thus, balance transfer cards can be a good way to reduce debt, to save money and to increase the credit score. The best balance transfer cards however are available only for people with either good or excellent credit (that is whose credit score is above 620). Still, even if your score is yet not high enough that does not mean you can't make a transfer of balance. There are cards for people with fair credit that allow balance transfers. Turn, for instance, to the Capital One® Standard Platinum or Capital One® Platinum. These are the cards for the people who want to improve their history. They offer no introductory period with 0% APR, nevertheless the balance transfer is possible. Read all the details concerning these cards and if the satisfy your requirements apply for one of them online. All the best, Manager of Immediate Credit Card Care Service Balance transfer is a popular tool to consolidate the whole debt on the one card that generally has better terms – lower APR, no extra fees, etc. The amount of money you can consolidate depends on the limit of the new card which in its turn is defined by your history. Balance transfer cards can be a good way to reduce debt, to save money and to improve the credit score. However the best balance transfer cards can be obtained only by people whose credit is either good or excellent (that is whose credit score is above 660). Still, even if your score is only fair (620-659) that does not mean you can’t make a transfer of balance. There are cards for people with limited credit (for instance, Capital One® Standard Platinum or Capital One® Platinum) that permit to accomplish balance transfers. They offer no introductory period with 0% APR, nevertheless the balance transfer is possible. If they comply with your requirements, you can apply for one of them online. Unfortunately if your score is below 620 you are not eligible for these offers. All the best, Manager of Immediate Credit Card Care Service Our website is designed to help you in finding the best credit offer that complies with your needs and financial state. However it is rather difficult to guide you to something particular as you’ve not mentioned your credit score. Before applying for a card you must be sure you are eligible for it. That’s why it is very important to know your current credit score. We recommend you to request you report and learn your current credit score. It will be better if you request the score from each of three credit reporting agencies, such as Equifax, Experian and TransUnion. It is crucial because the numbers may differ, and the lenders generally look at the lowest score. If your score amounts to 0-619 it is regarded poor, if it is 620-659 it puts you into the “fair credit” category, if it is 660-749 you score is considered good, and from 750-850 you score is excellent that means you are eligible for the best credit cards. When you know your current rating you are welcome to turn to the category for the good, fair or bad credit offers. Compare the offers, read all the details concerning each of them and choose the one that suits your needs. After that fill the application and submit it online. All the best, Manager of Immediate Credit Card Care Service The credit limit is the maximum amount of money you may charge on your credit card. This limit is mainly determined by your credit risk, by your income and by the bank's decision. So, it depends on the terms of your card and may be changed according to your credit history. If you prove to be a good credit payer, you'll be given a higher limit. That's why before applying for a card consider your credit report and estimate your financial state. If you have no credit history yet your initial limit will be rather low, probably several hundred dollars. You your history is not bad you might be given several thousand. Thus, you see, it all depends on your history, income, etc. Keep in mind that the limit is not a constant figure, it may change as your score changes. And it may not only go up, but also go considerably down. That's why if you want the higher limit you must use your credit lightly, pay all the bills on time and keep your score as high as possible. In this case you'll be able to apply for the best credit cards with the highest limits. All the best, Manager of Immediate Credit Card Care Service After you’ve applied for a credit card online, you have to wait for the bank's decision. You see, the bank needs some time to check your credit report and decide whether you qualify or not. It can take various periods of time, depending on the type of the card chosen. The quickest way is to get an instant approval that generally requires only a few minutes. On out site you can look through the several variants of cards with the instant approval from Discover, American Express and First PREMIER. In other cases you’ll have to wait for a couple of days, a week or a month. If you're approved, a bank sends you a statement and a card itself by post. From this moment onwards it is the post-office that is responsible for the card delivery. The period of delivery can require various periods of time depending on your location. Generally it takes several days before the card arrives to you. All the best, Manager of Immediate Credit Card Care Service At the moment on our site you are welcome to compare the best cards for the residents of the USA as well as the cards for the UK, Canada and Belgium. We are glad to render a service of online application for official residents of these countries. So, if you are an official resident of Canada, pay your attention to the best Canadian cards. However, all Canadian cards from American Express CA presented on our website require either good or excellent score, thus, don't forget to request your report and make sure you are eligible for them before submitting an application. If your credit is bad, unfortunately, you are not eligible for them. All the best, Manager of Immediate Credit Card Care Service Nowadays credit card balance transfers are a widespread tool of reallocating your debt from a high rate card to a better one. The majority of issuers offer no annual fee and 0% intro APR on balance transfers for new customers for a period from 6 to 15 months. In addition, it is also possible to consolidate debt from more than one card. On our site you can find the best balance transfer cards applications that will help you solve the problem of debt. Their terms differ, and it is only up to you to decide which offer suit you most. For example, Discover® Card offers 0% on balance transfers for 12 months and Blue from American Express® and American Express IN:NYC charge no balance transfer fees. Mind that these cards are created primarily for people with good or excellent history, so request your report before applying for a card. Check it for any mistakes and if you find any correct them immediately. Learn your credit score. If it is above 660 you are certainly eligible for one of the 0% balance transfer cards. Compare all 0% balance transfer cards options properly, fill the application and submit it online. All the best, Manager of Immediate Credit Card Care Service