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Answering your questions is our job and we love it! In fact all good credit applications allow to co-sign for someone. However as it happens you can not apply with a co-signer right away online. If you are eager to get a card with a co-signer, you should do the following. First of all, your mother (co-signer) applies online through our service for any good/excellent credit card. She gets approved. Then she can call the bank and say that she would like to add someone to her account and that she will be a co-signer for a person with bad credit history (you). She must tell your social security number. Then the co-signer receives a statement by mail. You must sign it and send back. After that you will share an account with your mother (co-signer). Mind, that you will get two cards with two different numbers, but the account and credit limit will be the same. By making timely payments you will start building your credit history as the information on your payments will be sent to all credit bureaus every month. All the best, Manager of Immediate Credit Card Care Service If you want to get a credit card via our site, you should make a few simple steps. First, you should choose a card, according to your needs and credit history. Second, you should fill out the online credit card application. In the application form you indicate the address to which the card should be delivered. You can order the card from any place where you have access to the Internet, plus you need to know such information as your SSN, address and previous account number (in some cases). All the best, Manager of Immediate Credit Card Care Service As it happens the issuer really can change the APR on credit card. If you are not satisfied with the terms of your current card you are able to transfer your balance to a new one. 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 companies offer no annual fee and 0% APR on balance transfers. Besides, it is also possible to consolidate debt from more than one card. On our website you are able to find best balance transfer offers from various banks. These deals are created primarily for people with good or excellent history, so is your score is in the mid 700's you are surely eligible for one of the 0% balance transfer cards. The terms of the cards in fact differ, and it is only up to you to decide which of them to prefer. If you want a card without balance transfer fee pay your attention to Blue from American Express and Clear from American Express. They charge no balance transfer fees and offer fixed APR on balance transfers for life. If you wish to obtain 0% APR on balance transfers apply for Discover, Citibank or Chase cards. They may be very useful and help you to save money. Read all the information on them, fill the application and submit it online. All the best, Manager of Immediate Credit Card Care Service Nowadays, recently bankrupt can also obtain a card. Mind, that negative information, especially that of bankruptcy, may stay on your credit report for almost 10 years but that does not mean that you are not eligible for a credit card. It may be more expensive than before, and available with lower limits and less favorable terms. A secured credit card is a good way to establish a history after bankruptcy as it is usually offered with lower rates than unsecured cards. Rebuilding creditworthiness depends on the usage of the card. If you use it carefully and pay off your bills on time, you'll benefit from cards for bad credit. Mind that before applying for the card, you should request your credit report first and correct any mistakes in case you find them. Then, you're welcome to compare the best bad credit cards or secured cards, presented at our website and apply for the one that suits you most. 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 The credit score is crucial as it helps the lenders to decide whether you qualify for the chosen card or not. Paying attention to the score is extremely important, because if you apply for the card you are not eligible for you'll be denied and your history will be damaged. Nowadays people with all types of scores can actually apply for a credit card and be approved. You highest score is 680 that is considered good. However the lenders generally tend to look at the lowest score, not at the highest one. If your lowest score is less than 660 you score is considered fair. That's why we recommend you to choose among the cards for fair credit. On our website you can find several variants of such cards from Capital One and First PREMIER. Read the details about each card carefully and apply for the one that suits you most. All the best, Manager of Immediate Credit Card Care Service In fact it takes various periods of time to consider your application. You see, generally the bank needs some time to check your report and to make a decision whether you qualify or not. However nowadays many banks also offer to their customers the service of instant approval - that means that the decision is made in a few minutes. On our site there are several cards with instant approval. Offers of this type are now in fact available for all types of history and score. Still it is very important to request your report and learn your score before submitting an application. Choose the instant approval offer you are eligible for, fill the application online and get an approval immediately. All the best, Manager of Immediate Credit Card Care Service If you are eager to consolidate your debt on one credit card you should turn to the so-called balance transfer cards. These cards allow you to reallocate your balance from one or several cards with high interest rates to one with better terms. In order to get a card you should first of all request your report and assess your current state. Mind that the best balance transfer deals are only available for those whose score is either good or excellent. If your score is above 660 you are eligible for the best deals with 0% APR on balance transfers for a period from 6 to 15 months, no annual fee and other favorable terms. So, choose the card you want depending your current score, fill the required application form and submit it online. All the best, Manager of Immediate Credit Card Care Service As a matter of fact all deals for good credit allow to co-sign for someone. However keep in mind that you can not apply with a co-signer right away online. If you wish to receive a card with a co-signer, you should do the following. Firstly, person with good history (your co-signer) applies online through our service for any good/excellent credit offer. This person gets an approval. Then he or she calls the bank and says that he would like to be a co-signer for a person with bad credit history. He must tell social security of that person. Co-signer receives a statement by post, that a person with bad credit must sign and send back. Now person with bad score shares an account with co-signer. By making timely payments person with bad credit will start building his credit history as his payment information will be sent to all credit bureaus every month. 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 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. These cards are created primarily for people with good or excellent history. If your lowest score amounts to 710 it is regarded good, thus, you are certainly eligible for one of the 0% balance transfer cards. On our site you can find the best balance transfer 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. 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