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Answering your questions is our job and we love it! Salute Visa is a card that is issued by Urban Trust Bank. This is a relatively new card that is mainly designed for the people with bad or no credit. All in all, it is for you to decide whether this card is good or bad for you, but in general we recommend you to take into account several issues. First of all, the APR on this card is relatively high – minimum 19,50% on purchases and 25,50% on cash advance. The card also requires the annual fee of $150 and monthly maintenance fee of $72 annualized ($6 monthly). In order to decide whether this card suits your requirements we recommend you to compare these terms with the terms of other credit offers for people with bad credit – for example, from First PREMIER or Orchard Bank. Consider all the details concerning rates and fees and decide which card to prefer. 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. If your score is about 550 it is considered poor. Unfortunately, at the moment you can’t apply for the Discover cards because they are available only for those whose credit is either good or excellent, that is at least 660. That’s why we recommend you to choose among the cards for bad credit from Columbus, Dakota, First PREMIER, Millennium and Orchard. If you pay your bills on time and use your cards lightly, your score will gradually increase and in time you’ll have an opportunity to get a Discover 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. Your score is 598 that is considered poor. That means you are only eligible for deals for bad credit. On our website you can find several variants of such cards from First PREMIER, Columbus, Dakota, Millennium and Orchard. 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 Unfortunately it is beyond our competence to provide you this information. Mind, that we don’t represent any particular bank or credit company. Our web-site is only designed to provide sufficient and up-to-date information about various credit offers, including cards for excellent, good, fair, bad or no credit history. We are glad to present the details about different cards and to help the customers choose one of them according to their credit score and their requirements. In addition, we render a service of online application for the chosen card. However we do not possess any personal information, including the numbers of accounts and other financial data. To learn the number of your account and other financial data you should turn to the official web-site of your bank and register there or contact the bank by phone or e-mail. All the best, Manager of Immediate Credit Card Care Service Unlike secured credit cards that require a deposit to the bank, unsecured credit cards don't demand to deposit anything. However unsecured cards for bad credit generally charge higher interest rates and fees. The initial credit limit is generally 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 limited 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 You see the terms on which you can get a card mainly depend on your history and current score. Of course, even if your credit is poor (below 620) and you want to raise your score there are some cards you can apply for. Look, for instance, through the offers from such banks as Columbus, Dakota, First PREMIER, Millennium and Orchard. On our site turn to the page devoted to cards for bad credit. Unlike secured credit cards that require a deposit to the bank, unsecured credit cards don't demand to deposit anything. However unsecured cards for bad credit generally charge higher interest rates and all of them charge annual and other fees. Unfortunately it is impossible to find a card for bad credit without any fees at all. The initial credit limit is generally 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 Your credit history by far determines your chances to get this or that card. You should keep in mind, that the terms of cards differ greatly, and the better payer you are the better terms of credit you will obtain. However when you don’t have any history your choice of cards is limited. Most of Discover cards are offered only for people with either good or excellent score (above 660). Only if you are a student with no credit history you are able to be approved for the special Discover offers for students - Discover® Student Clear Card, Discover Student Monogram Card, Discover® Open RoadSM Card for Students. In other cases unfortunately you’ll be denied. Still, there are many other banks that have deals for no credit history, for instance, Columbus, Dakota, First PREMIER, Millennium and Orchard. You are welcome to compare the present offers and choose one that suits your requirements. All the best, Manager of Immediate Credit Card Care Service It is mostly true that you need to have a credit history to get a credit card. It is a usual bank measure to prevent nonpayment. But don’t worry that you can’t be eligible for credit cards. The card issuers think about people with no history. There are two options for you. First, you can apply for a secured credit card. The amount of money you deposit into your account will be your credit limit. Also you can obtain an unsecured credit card for no credit history at First PREMIER Bank. This is a perfect way to establish your credit history. A balance transfer fee is a once-only fee that the credit card company charges you in order to transfer your balances from other credit cards to their credit card. Generally the best deals for balance transfers offer you 0% interest rate for a specified time (usually from 6 to 15 months). However you have to pay a "balance transfer fee", that is a fee some issuers charge to transfer the balance from one credit card to another. The amount of this fee depends on how much you are transferring. For example, this fee on Discover, Citibank and Chase deals amounts to 3%. Thus, a 3% balance transfer fee on a $1,000 transfer would cost you $30. You should also keep in mind, that the banks normally define the minimum and the maximum amount of balance transfer fee. For instance, on Discover this fee is min. $10 and max. $75. On deals from Chase and Citibank it is min. $5 and max. $75. 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 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.