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User Name:
olga |
Date:
May 14, 2007, 10:03 am |
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i have bad credit, how can i get a credit card without been deniied every time i apply for? why is that i dont understand, why they dinied if they supouse to help you with that you tell me |
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Answer:
Even if your credit is poor that does not mean that you can't apply for a credit card and be approved. The most important thing is to be sure that you apply for the card you are eligible for. Otherwise your application will certainly be denied. Try to avoid that because each denial damages your score. So, if your credit is bad apply only for secured cards or unsecured cards for bad credit. You can find several variants of both types on our site. Read their details carefully and choose the one you like best. Besides, before submitting any application we advice you to turn to your credit reports from all three bureaus and check them for any mistakes or omissions. If you find any misleading items ask the bureaus to correct them immediately. If you are sure your report is correct and have chosen the card you like you can submit an application online through our service. All the best, Manager of Immediate Credit Card Care Service |
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User Name:
Bill Jones |
Date:
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:
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:
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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User Name:
cynthia |
Date:
May 16, 2007, 7:46 pm |
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the card i applied for wasnt the one i wanted ,can i close that acct. ,and apply for the one i want? |
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Answer:
If you've just applied for a card you are not happy with and now wish to cancel your application you can simply not activate the card and close the account. However if you have activated the card and now want to cancel it, you should bear in mind, that it will lower your credit score, and if no annual fee or something like that is included into the terms of the card, it’s not necessary to cancel the card until its expiry date (however this won’t add any credit points to your report). Of course, if there are fees that you don't want to pay, it will be better to cancel this credit card to avoid undesirable payments. The way of cancelling an undesired credit card is determined by the bank and is described at its official site or can be explained by phone. As far as we are not a credit company, we can’t help you in canceling the card or the application, our site is only meant to provide you the best credit offers and to help you to apply for cards online. So in any case you’d better try to contact your bank and learn all the details there. All the best, Manager of Immediate Credit Card Care Service |
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User Name:
Robin Denson |
Date:
May 19, 2007, 4:09 pm |
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want a credit card to rebuild my credit |
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Answer:
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 |
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User Name:
janice |
Date:
May 20, 2007, 10:34 pm |
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do i need a deposit to get a credit card
how can i get a credit card if i have bad credit and avoid paying a deposit or give checking account information? |
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Answer:
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 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 |
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User Name:
elaine |
Date:
May 21, 2007, 6:47 pm |
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is there a card for me with a score of660?i mean a rel card not a ptr paid card? |
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Answer:
The credit score is the main factor that determines your creditworthiness. Nowadays the banks and credit companies offer cards for people with all types of history - excellent, good, fair, poor or no history at all. If you score amounts to 660 it is considered good. So, you are welcome to choose among the cards for good credit from Discover, American Express and Chase. However, mind, that before applying for a card you should request your scores from all three credit bureaus, not only one of them. You see, lenders generally look at the lowest score, not at the highest one. So, if your lowest score is below 660 it would be better to turn to the cards for fair credit.All the best, Manager of Immediate Credit Card Care Service |
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User Name:
Blair |
Date:
May 23, 2007, 1:16 pm |
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Is therre any credit card I can get being 17 and working for the past 1 and 5 mo.? |
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Answer:
If you are not 18 yet you don't have the right to get a loan. However if you wish to build up your credit history you can do the following. Ask your parents to open a savings and a checking account in your name, if they haven't done it yet. This is essential as it proves your financial independence and ability to deal with money. You can also become an authorized user of one or more of their credit cards. In this case the cardholders will be your parents but you will be able to use the credit limit. Try to keep the balances on them as low as possible, as all the information (both positive and negative) will be reflected in your report. Another way to get a card right now is to draw the so-called co-signer, that is a person who will be responsible if you don't pay off your bills on time. But mind that in this case too all the negative information will hit your report and damage your score. If you use the cards properly, in time you'll have good credit history and will be eligible for the best credit cards. All the best, Manager of Immediate Credit Card Care Service |
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User Name:
Shronda |
Date:
May 25, 2007, 11:43 am |
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Is the salute credit card a good card to have? |
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Answer:
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. All the best, Manager of Immediate Credit Card Care Service |
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