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User Name:
s gates |
Date:
March 21, 2007, 3:02 pm |
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what fico scores are required for zero percent credit card offers? |
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Answer:
Lowest APR credit cards and 0% credit cards imply rather attractive options and meant for positive credit customers. Thus, to be eligible for suchlike cards it is necessary to have goo-to excellent credit history. If you wish to become the holder of a 0% credit card, first turn to a credit bureau and check your credit report. If you are lucky to have a good credit rating (660-749) or excellent credit rating (750-850), then zero percent credit cards are to your service. At our site we present the best 0% credit card applications. You are welcome to evaluate them, to read the terms and conditions of different credit cards and choose the most suitable and profitable for you. Be careful, apply only for the cards you can qualify. |
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User Name:
edgar |
Date:
March 21, 2007, 8:57 pm |
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I have an Amex with a balance of $20k and i would divid the $20k in half and do a 0% balance transfer on 2 credit cards for $10k i have a credit score of 615-636 and have been turn down for 2 credit cards which are cit and discover. What can i do to bring down my $20k balance on my amex which is like 30% interest and transfer it to a lower apr credit card. |
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Answer:
You see, at our site we collect the best credit card offers for people with different credit score, but not all of them are available for balance transfers. Your credit means that your credit is bad. We can suggest you Platinum from Capital One, presented at our site. This card has 19,78% Annual Percentage Rate on balance transfers and the same APR on purchases. It also has no annual fee and balance transfer fees. You can apply for this credit card online. Fill in the application form and wait for approval. |
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User Name:
TANYA ROSE |
Date:
March 22, 2007, 2:26 pm |
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HAVE I BEEN APPROVED FOR MASTERCARD? |
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Answer:
It is always necessary to wait for some time after you've applied for a credit card online. The credit institution will consider your credit card application, make inquiries of your credit report information, monitor it and then make a credit decision. If it is the case of instant approval credit cards you can get online credit card approval in 60 seconds. With other types of credit cards it can take a couple of days, a week (most often 7-10 business days) or a month. If you read terms and conditions while choosing the card, you might have seen the time you should wait for the approval. You are supposed to receive a pre-approved letter, stating the amount you can borrow and giving information about other terms. We are not credit card issuers and don't have access to your personal information, therefore we can't tell you whether you are approved or not. If you think you are waiting too long - contact your bank and clear out the question. |
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User Name:
Leslie |
Date:
March 23, 2007, 8:59 pm |
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What does creditors look for on the credit report...I have been denied for each and everyone of them. my credit score is poor...it is btw 580-585 |
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Answer:
When you apply for a credit card, creditors check the number of your accounts, whether you pay bills accurately, whether you have any negative items and so on. And they pay special attention to your credit rating. If it so happens, that you can't afford the card you've applied for, you receive a denial. To avoid it you need to check your credit report and find out what exactly your credit score is. Then you'll learn, what cards you are eligible for. With bad credit history you can choose from bad credit card offers, presented at our site. Read terms and conditions of the card you want to hold. If you qualify, then you can apply for it with confidence. For people with bad credit we also offer secured credit cards, which require a beforehand deposit to secure the credit. The amount of the deposit may range from a few hundred to several thousand dollars. Your credit line is a percentage of your deposit, typically 50 to 100 percent. If you are still afraid of being turned down, you can try guaranteed approval cards. |
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User Name:
David Otterson |
Date:
March 24, 2007, 11:33 pm |
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I've never had a credit card-first timer-probably have no credit. There are so many offers. Which ones should I try for? Be specific please---remember---first timer. Thanks |
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Answer:
If you possess no credit, you can look through our bad/no credit card offers section and choose the best credit card to begin your credit with. Try with a secured credit card which can be the safest credit card for no credit. In this case, you should open a bank account to confirm your financial stability, and only after it you can make online application. With good payment you can get an unsecured credit card which can also be helpful but you must have enough income. The issuers don't demand a deposit to the bank but charge higher rates and fees. One more decision is with the help of a co-signer, a friend or a relative, who applies for a good credit card, and when approved, makes you a co-borrower. In case you don't pay off your balance, a co-signer will have to pay it for you. |
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User Name:
Danielle |
Date:
March 26, 2007, 12:29 am |
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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. |
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Answer:
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. |
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User Name:
yara |
Date:
March 26, 2007, 12:30 am |
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im lookin for a card that i can pay 15.00 a month low in apr and no annual fee, can u help |
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Answer:
First think about your current credit report to learn what credit score you have, and only after it apply online for a credit card according to your credit history. At our site you can find a variety of online credit card offers which include no annual fee credit card offers and low APR credit card offers. Mind that best fee free credit cards are mostly for people with good or excellent credit, who can apply for no annual fee credit cards belonging to best online credit card offers with instant approval. If you possess bad credit, you can hardly find no annual fee credit cards. In this case, you have to improve your credit score and only later you'll have an opportunity to be approved for no fee credit cards. Low APR credit cards are also mostly for customers with good credit history, though some companies offer low APR cards for fair credit. At last, if your credit score is good or excellent, you can easily apply for one of the best credit cards with low APR. |
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User Name:
michael conne |
Date:
March 26, 2007, 12:39 am |
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how do I get approved |
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Answer:
Applying for a credit card online you have an opportunity to get an instant approval. However, first it is necessary to turn to a credit bureau and ask for your credit report. It depends on your credit history whether you will be or not approved for this or that type of credit cards. To apply for the best instant approval credit card offers (e.g., Discovery cards or American Express cards) and get credit card instant approval you must have excellent or good credit history.
People with fair, bad or no credit are limited in applying for credit card offers with instant approval unless they find the type of online credit card offers to build a good credit history. At our site there are a lot of credit cards for fair credit, bad credit or no credit . Just look through the appropriate section and choose the credit card according to your credit history. Read attentively all terms and conditions and fill in an online credit card application. |
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User Name:
Tatiana Rusiecki |
Date:
March 26, 2007, 3:39 pm |
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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 |
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Answer:
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. |
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User Name:
terry tezeno |
Date:
March 27, 2007, 8:17 am |
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i what to set up account |
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Answer:
The matter is, that you won't be able to set up an account through our site, as we are not a bank or credit card company, and dealing with accounts is not in our competence. But there is a good amount of different online services, which you can use. You may find one through searxh engine and follow the give instructions. Usually the steps of installing an account are as follows:
- choose a name for your account that you'll remember easily (many customers use their email address as their user names). Then type a password that would be hard for others to guess, but easy for you to remember.
- type in your email address and the postal address that you'd like packages shipped to. (You can change this later if you need to.) Indicate if your billing address is the same, or enter a second address that corresponds with your credit card billing address.
- watch the information presently listed in your account. |
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