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User Name:
Tatiana Rusiecki |
Date:56
April 16, 2007, 10:53 pm |
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I have applied for a discover card almost one month ago. I called today Discover card and they have no record of any application. Are you a broker? Do you have a name? Phone number? Address? an e-mail address? It very much liiks like a fraudulant site. If I do not get a reply from you by tomorrow, with a name, address and a phone number that I can refer to, I will consider your site fraudulent and contact authorities. |
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Answer:
You see, we are only the site that presents the up-to-date and sufficient information about the best credit card offers from the leading credit companies and place them in a way convenient for comparison. When you apply for a credit card online you barely click the link "Apply online" at our site. You fill an application form already at the official site of the bank. Our website is only an intermediate publisher. Perhaps, you have made some mistakes in making online application. Why do you think that it is our error if Discover bank has no record of your application? It is not clear. We do not provide our customers with our contact information, therefore we can not give you our contact number and address. |
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User Name:
abby |
Date:56
April 17, 2007, 2:29 pm |
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how can i get a credit card without any credit because im 18 and without having to pay anything at all |
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Answer:
It’s simple. Many credit companies issue credit cards special for customers without credit and allow them to build credit and get a better credit card in the future. If you are a student, you can look through student credit cards with different features and terms, presented at our site. Make an accurate comparison and choose the best card. If you are not a student, look over credit cards for no credit . Compare all credit cards and apply online for the credit card that suits your requirements. Click the link "Apply" and provide the necessary information about you. You will receive your statement with the data concerning your credit card and the credit card itself by post. |
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User Name:
Wayne |
Date:56
April 18, 2007, 10:08 pm |
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Can i know what the card company will give as a credit limit before the application is final |
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Answer:
When you first receive a card, it is your creditors who set you credit limit. Credit limit is determined by the information supplied on your application form and your credit possibilities. It also depends on the terms of your card and may be changed according to your credit history. Each card company decides individually what credit limit they'll give you. The better your rating, the higher your limit. You should know that all the points, like credit limit, are indicated in the terms and conditions of your card, so read them attentively before filling out the application. |
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User Name:
TIM |
Date:56
May 1, 2007, 10:45 am |
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My credit score is at about 550. Can I get approved for a discover card? |
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Answer:
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 |
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User Name:
annalie |
Date:56
May 5, 2007, 10:24 pm |
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how can i get a credit card if i havent got any credit history yet |
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Answer:
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 |
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User Name:
Pamela Maxwell |
Date:56
May 7, 2007, 8:02 am |
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Can I receive an immediate decision online? Also, how soon can I receive my Credit card number to make a purchase? Thanks! |
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Answer:
When you apply for a card approval can in fact take various periods of time. If your score is either good or excellent the quickest way is to get an instant approval that generally requires only a few minutes. On out site you can look through the several variants of cards with the instant approval from Discover, American Express and Citibank. In some cases (but no always!) you can start using the money immediately after getting an approval. If you get instant approval, bank can show you your credit card number and expiration date right away. So you will be able to shop online or by the phone with it. However you will not be able to go to the store because you won’t have the card itself. Also mind that you won't be able to use your whole credit limit before your card arrives for security reasons. Finally, it must be emphasized that there are no cards that will guarantee you that. Some customers get this option, but not all, probably for security reasons. All the best, Manager of Immediate Credit Card Care Service |
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User Name:
TOMMY |
Date:56
May 9, 2007, 10:26 pm |
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I HAVE NO CREDIT |
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Answer:
Even if you have no credit history and have never applied for a card you can do it and start one. Most banks are glad to attract new cutomers and have special programms for new-entrants. With no credit history you are able to apply either for secured cards or for unsecured ones. Both types have certain merits and demerits - secured cards are easier to get, but they require you to deposit some sum to guarantee your ability to pay. With unsecured cards you don't have to deposit anything, but often have to pay either a high APR, high fees or both. Which to prefer is for you to decide. On our web-site we offer several variants of both types of cards. The process of getting a credit card is rather simple. If you have chosen the one and decided to apply for it online, you only have to submit the required form, get approval and receive your card in the bank. Anyway before submitting an application it is recommended that you request your credit report first, look through it for mistakes and ommisions and correct all of them. |
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User Name:
Bill Jones |
Date:56
May 14, 2007, 5:32 pm |
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If i get rejected by a credit card company will my credit score be hurt |
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Answer:
The credit score is extremely important and by far determines you financial health. The higher the score, the better chances you have to get the card with the most favorable terms. That's why it is essential to maintain the score level and to improve it continuously. If your score is excellent or good you are eligible for the best credit cards. However, you must be aware that if you apply for a card you are not eligible for you'll certainly be denied. Mind, that denials inevitably damage your score. So, before applying for any card turn to your report, learn your score and understand whether it is excellent, good, fair or bad. After that turn to the appropriate page and choose a card. |
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User Name:
nicole |
Date:56
May 14, 2007, 5:50 pm |
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I need to improve my credit. What card would you recommend for people with not so great credit |
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Answer:
At present more and more companies offer credit cards for customers with bad credit. Cards for bad credit allow their holders to build or rebuilt credit history and get a better card in the future. At our site we present cards for bad credit from First PREMIER Bank. You can compare the given variants, their features and terms and make the right choice complying with your needs and financial state. If you are going to apply for a credit card online you can do it through our service. Simply click "Apply" at the credit card you've chosen and fill out an application form. It will be considered by the bank for some time. Then you will obtain your statement with all the necessary data and the credit card itself by post. |
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User Name:
Tracy |
Date:56
May 15, 2007, 2:32 pm |
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I have a Fico score of 690 from one credit bureau, 670 and another at 646. I would like to apply for a credit card that uses the bureau carrying my highest score. Is there any way to screen where different companies pull their info? Also, with a score of 690 can I apply for a card requiring a "good" rating? |
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Answer:
Credit score is the most important indicator of your creditworthiness, that's why lenders always take it inro account when making a decision about giving you a loan. There are three main credit bureaus that calculate the score. But as it happens, the figures may differ because not all lenders report to all three agencies and because the methods of calculation are a bit diiferent. In fact the lenders generally tend to turn to all three credit bureaus and look at the lowest score, not at the highest one. At best they base their decision on the middle rate. That's why although your highest score - 690 - can indeed be considered good, we don't recommend you to apply for such type of cards. Mind that if you are denied, your score will be damaged. Your lowest score is 646, that falls into the "fair" category. So, turn to the fair credit offers on our web-site and choose the one that suits you. If you still wish only a good card, try to find out why your score is so low - request your report and check it carefully for mistakes and omissions. If you find any, ask the bureau to correct them immediately. When your lowest score reaches 660, you'll be eligible for good credit cards. |
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