1. 2. Discover® Card Discover® More Card 5% Cashback Bonus. 3. Discover® Card Discover® More Card - 18 Month Promotional Balance Transfer 0% APR for 18 Months on BT.

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Answering your questions is our job and we love it! There are 3 major credit reporting agencies in US - Equifax, Transunion and Experian. They comply and distribute credit and personal information to creditors. All 3 agencies should have completely identical information about credit history. A credit score is a statistical summary of the information contained in a consumer's credit report. The most commonly used type of credit score is FICO score. The good credit score starts from 660 points. There are special balance transfer credit cards with the best terms for balance transfers. We advise you to have a look at More Card - Clear by Discover Bank. This card requires good/excellent credit rating. It offers 0% APR on balance transfers and purchases within 12 months introductory period. Also it has some other benefits. You will get no annual fee, 5% cashback bonus, $40 cashback bonus when applying online right now, up to 1% cashback bonus on all other purchases, unlimited cash rewards and more. Default APR is a penalty APR. If you are late to make payments your regular ongoing APR may increase. For instance, your credit card agreement may say, that if your payment arrives more than ten days late two times within a six month period, the penalty rate will apply. Defaults are a serious negative factor on your credit report. It is strongly recommended to avoid them. Default APR may be as high as 29.74% and may be applied to all outstanding balances on your credit card. If your credit score is somewhere between 620 and 659, your credit score is considered to be fair(or average). The best fair credit card deals are offered by Capital One Bank. We advise you to apply for a Standard Platinum Card. This card was created for people with credit that needs some improvement or limited credit. It gives you 0% on purchases until June 2008, no annual fee, no balance transfer fee, free fraud liability, and more. Even if your score is 537 (that means your credit is poor) and you want to raise your score there are some cards you can apply for. Nowadays a lot of issuers, such as Columbus, Dakota, First PREMIER, Millennium and Orchard, offer deals for bad credit. On our site turn to the section devoted to cards for bad credit. Consider all the information about each card, compare the present offers and choose one that suits your requirements. You can also apply for one of secured cards. Unlike unsecured credit cards that don't demand to deposit anything secured credit cards require a deposit to the bank. This is needed to ensure your ability to pay off in the future. Look through the page devoted to the deals 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 First of all, you shouldn’t apply for the cards for which you’re not eligible. You see, if your score is not high enough you’ll certainly be denied, and each denial hits your score further. So, before submitting an application, request you credit report and check it for any inaccurate information. It is recommended that you do it regularly. 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 important because the numbers may differ, and the lenders generally take into account the lowest score. If your score is below 620 your history is considered bad, that means you are eligible only for offers for bad credit. If you miss your payments it may negatively affect your score, so do your best to pay all the bills on time. You should minimize the amount of inquiries on your credit report. Otherwise, you may lose up to 5 points from your score for each inquiry. If you have a bad credit history, open new accounts only if you need them, try to keep your balance low and use your cards lightly. Don't forget to use the old cards because in other case the information will not be updated. All these recommendations will allow you to establish a positive credit history and in time you'll be eligible for the best credit deals. All the best, Manager of Immediate Credit Card Care Service If you have a bad score and want to improve your credit there are some cards you can apply for. Nowadays many banks, such as Columbus, Dakota, First PREMIER, Millennium and Orchard, offer deals for bad credit. On our site turn to the page devoted to cards for bad credit. Read all the details about each card, compare the present offers and choose one that suits your requirements. Another way to restore your credit is to apply for one of the so-called secured credit cards. With this card you will have to deposit some amount of money to guarantee your ability to pay. On our site you can find several variants of these cards too. After you’ve chosen the card you like just click “apply” and submit an application online. The bank will consider it and send you the card by post. All the best, Manager of Immediate Credit Card Care Service If you have no credit history and want to establish one there are some cards you can apply for. Nowadays many banks, such as Columbus, Dakota, First PREMIER, Millennium and Orchard, offer deals for no credit. On our site turn to the page devoted to cards for no credit. Read all the details about each card, compare the present offers and choose one that suits your requirements. Another way to build up your credit is to apply for one of the so-called secured credit cards. With this card you will have to deposit some amount of money to guarantee your ability to pay. On our site you can find several variants of these cards too. After you’ve chosen the card you like just click “apply” and submit an application online. The bank will consider it and send you the card by post. All the best, Manager of Immediate Credit Card Care Service If you wish to establish your credit which is currently not so good you have an opportunity to get a card for this purpose. Nowadays there are several banks, including Columbus, Dakota, First PREMIER, Millennium and Orchard, that are eager to offer deals for people with bad or no credit. On our site turn to the section devoted to cards for bad/no credit. Read all the information about each offer, compare the cards and choose one that complies with your needs. Another way to improve your credit is to apply for one of the so-called secured credit cards. Generally such cards offer lower APR than the unsecured one, however you will have to deposit some amount of money to get one of them. On our site you can find several variants of these cards too. After you’ve chosen the card you like just click “apply” and submit an application online. The bank will consider it and send you the card by post. All the best, Manager of Immediate Credit Card Care Service If your credit is below 620 it is considered bad. However you are still eligible for a credit card and can get an approval. At the moment several banks, including Columbus, Dakota, First PREMIER, Millennium and Orchard, offer deals for people with bad credit. On our site you have an opportunity to find out a few cards of this type. Read all the information about each card, compare the present deals and choose one that suits your needs. Another way to improve your credit is to apply for one of the so-called secured credit cards. This card requires you to deposit some sum to ensure your ability to pay. On our site you there are several variants of these cards too. After you’ve chosen the card you would like to apply for just click “apply”, fill the required form and submit an application through our service. All the best, Manager of Immediate Credit Card Care Service