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User Name:
Robert R. |
Date:
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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User Name:
Sidney |
Date:
March 13, 2007, 9:07 pm |
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I am looking for a credit card that I can set credit limit to around $1000 for a person with no credit history. I am willing to co-sign for it. I have excellence credit. oh..also with no fees (setup, annual, etc.) |
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Answer:
If you have excellent credit you will likely be eligible to accept a credit card on most favorable terms. You are welcome to evaluate our best online credit card offers. Most of credit cards for excellent/good are no annual fee cards. They combine various options, so it's necessary first to determine which of them you'd like to benefit from. For example, Platinum Card from Discover implies 0% Intro APR, no annual fee, 5% Cash back bonus, $0 Fraud Liability Guarantee and other benefits. The credit line will be determined by the credit card issuer according to your credit score. Read terms and conditions of different credit card offers, compare credit cards and choose the best one for you and your co-borrower. |
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User Name:
mark leitner |
Date:
March 14, 2007, 2:02 am |
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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 |
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Answer:
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. |
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User Name:
carolynn clemmons |
Date:
March 14, 2007, 3:43 pm |
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why is it that your denying me a credit card because of my crdet history which is no credit but, you offer credit cards with no credit history and your still denying me a credit card.How can I estabish a credit history with a credit card if i keep getting turned down? why even make this offer if the credit card company will not stand up to the offer. |
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Answer:
If your application for credit is denied, it means that you can't afford this credit. But don't worry! You should turn to a credit bureau and ask for your credit report. You can also look through our no credit card applications and choose the best card to start with. If you have been turned down for credit cards before, you can also turn to guaranteed approval credit cards which can provide you with an instant approval. They are also a good step towards good credit history. |
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User Name:
J C Huddleston |
Date:
March 15, 2007, 8:31 pm |
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I have previously had bad credit due to medical and employment reasons. Bills are paid or negotiated. I have bought a new house and all bills are current. What kind of card should I apply for? |
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Answer:
It seems you aren?t sure about your current credit score. Thus, it`s recommendable for you to get your credit score from nationwide credit bureaus: Experian, TransUnion, and Equifax. Also, you can order your credit score through the official online source established for this purpose. Having learned what your credit score is you increase the chances to apply for a credit card, which you`re most likely to get, escaping getting refusals, which can hurt your credit score. With poor credit you can get one of bad credit cards and repair your credit timely. Consider First PREMIER credit cards, capable of credit strengthening. Many of these cards provide low APR on purchases and guaranteed approval. |
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User Name:
Daniel |
Date:
March 15, 2007, 11:32 pm |
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Looking for a credit card in which " I "/"we" can have a lot of different designs to choose from and a card with low interest rate and can offer a second card for my spouse. |
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Answer:
You see, every card has its special design and different terms. If you are the US citizen (Belgian or Canadian) and have a good to excellent history, we can offer you Blue from AmericanExpress. This credit card adapts to your needs. It's designed to give you more flexibility and independence. You can pay for your purchases in full or pay over time. Blue has no annual fee. And it has a competitive 0.00% APR for up to the first 15 months and a grace period up to 20 days. You can share virtually all the benefits and services with your friends or family members; because it's additional Cards are fee-free. At our site you can find more detailed information about credit cards, their design and terms. You can compare all these features and choose the best suited card for you and your spouse. |
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User Name:
sally susan pigeau |
Date:
March 16, 2007, 8:10 am |
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I HAVE A CAPITAL ONE MASTER CARD ALREADY.
I WOULD LIKE GET IT CHANGED AND RECIEVE AIR MILES ON IT CAN YOU HELP ME THANK YOU. |
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Answer:
Some of Capital One credit cards do provide airline miles. These are, for example, Capital One No Hassle Miles Rewards Visa card and Capital One No Hassle Miles Visa signature card, assigned for people with excellent credit score. Once you`ve applied for your Capital One MasterCard, having no airline miles, you`ve agreed to all terms and conditions offered. Still if you`ve recommended yourself as a reliable customer, your credit card issuer may give you a way. Feel free to contact your credit card issuer customer service and ask if the applicable changes are possible. Credit card companies compete for every customer fiercely, and they?ll try to do their best to keep you as a client. |
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User Name:
Jackie |
Date:
March 16, 2007, 11:54 pm |
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should i transfer balances with high apr's, but low monthly payments, or credit debt with high monthly payments? |
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Answer:
Actually the idea of balance transfer cards is to shift your debt from a card with higher rate to one with lower ones. Transferring your balance from a high interest credit card to one with a low interest rate is easy, if you take into consideration some tips. If your credit score is good, you won`t have any problem getting a card with intro 0%APR on balance transfers. Another thing you will want to consider is the fee that may be charged if you transfer funds. To avoid this balance transfer fee you can apply for no balance transfer fee cards, such as Discover platinum card, some of American Express cards and CitiBank cards. The payments you`ll have to make will be determined by your new credit card terms. |
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User Name:
KAREN |
Date:
March 20, 2007, 5:16 pm |
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HI ,
I\'M WONDERING IF THERE IS ANY WAY POSSIBLE THAT I CAN GET A CREDIT CARD WITH AT LEAST A $500 SPENDING LIMIT FOR MY VACATION. I\'M CURRENTLY PAYING OFF THE ONLY CREDIT CARD I\'VE EVER HAD. |
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Answer:
You didn't mention what credit history you have as credit rating is very important in the choice of a credit card. Besides, creditors determine credit limit based on your credit worthiness and income potential. If you use your credit card regularly and avoid late payments, you get a chance to be approved for any card you like. To learn more about your credit score, turn to the credit bureau and check your credit report. It depends on your credit ability whether you'll obtain this or that card. When you know what credit cards you are eligible for, you can apply for a credit card online. Look through our site and get more information about all credit cards offered by the leading credit card companies (Visa credit cards, MasterCard credit cards, Discover credit cards, American Express cards, etc.). If you have excellent (750-850) or good credit history (660-749), you can apply for the best credit cards. Fair credit cards (620-659) are suitable for improving your credit. Credit cards for people with fair credit are issued by many credit institutions, so you have a chance to compare them all and choose any card you like. If you feel that you don't qualify for our credit cards with fair credit, you can try credit cards for bad credit (350-619). If you travel a lot (at your vocations), you may be interested in frequent flyer cards. Mind that in this case you must have excellent or good credit history. |
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User Name:
bernette robbins |
Date:
March 20, 2007, 8:29 pm |
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what kind of card is hsbc platinum? |
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Answer:
A platinum credit card is credit card with a higher limit than both a standard card and gold card and may also provide extra perks or incentives to cardholders. At our site we present several platinum HSBC cards, all of which are meant for positive credit history. So, if you are lucky to have good-to-excellent credit, you are welcome to choose the best HSBC credit card for you. If you wish to benefit from rewards, you can apply for Direct Rewards Platinum Card, which implies rewards for everyday purchases, no annual fee, 0% Intro APR and 24/7 online account management. You can also prefer Platinum MasterCard with Cash Back Rewards and take advantage of platinum benefits, which include unlimited purchase protection, extended warranties and rental car insurance. To get a clear picture of the terms and options of this and other platinum cards, welcome to our HSBC Bank cards section. |
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