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User Name:
ricky |
Date:
June 14, 2007, 9:32 am |
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Am i eligible for a credit card even if i dont have a bank account? |
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Answer:
The bank account is not an indispensable factor to be approved for a credit card. Much depends on the type of card you are going to apply for. There are the so-called secured credit cards, which are generally (but not necessarily) issued to people with bad or no credit history. To get such card you must deposit some amount of money to guarantee your ability to pay off your debt. Thus, you can't receive a secured card without an account. If you wish to obtain an unsecured credit card however you can do without a bank account. The much more important thing is to consider your credit report and to learn your credit score. It is the score that defines your creditworthiness. Mind, that if the score is low, unsecured cards for bad credit generally charge higher interest rates and fees. The initial credit limit is rather 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:
Sherry |
Date:
June 14, 2007, 1:26 pm |
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I would like to find a card that will allow me to transfer my balance to? |
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Answer:
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 cards 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. All the best, Manager of Immediate Credit Card Care Service |
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User Name:
lauren |
Date:
June 14, 2007, 10:39 pm |
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Can I apply for a credit card to transfer balance with fair credit with one search that will accept me? |
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Answer:
Balance transfer is a widespread way to consolidate the whole debt on the one card that generally offers better terms - lower APR, 0% intro APR for balance transfers, no extra fees, etc. Thus, balance transfer cards can be a good way to reduce debt, to save money and to increase the credit score. The best balance transfer cards however are available only for people with either good or excellent credit (that is whose credit score is above 620). Still, even if your score is yet not high enough that does not mean you can't make a transfer of balance. There are cards for people with fair credit that allow balance transfers. Turn, for instance, to the Capital One® Standard Platinum or Capital One® Platinum. These are the cards for the people who want to improve their history. They offer no introductory period with 0% APR, nevertheless the balance transfer is possible. Read all the details concerning these cards and if the satisfy your requirements apply for one of them online. All the best, Manager of Immediate Credit Card Care Service |
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User Name:
steven bell |
Date:
June 15, 2007, 1:55 pm |
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can I get a creditcard with a score of 537? |
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Answer:
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 |
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User Name:
laura egbert |
Date:
June 15, 2007, 8:00 pm |
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I have about 3000 in credit card debt, looking to find a balance transfer card, so I only pay one fee not 5, poor credit history, medical problems come up puts me back is there a card i can get or apply for. |
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Answer:
Balance transfer is a popular tool to consolidate the whole debt on the one card that generally has better terms – lower APR, no extra fees, etc. The amount of money you can consolidate depends on the limit of the new card which in its turn is defined by your history. Balance transfer cards can be a good way to reduce debt, to save money and to improve the credit score. However the best balance transfer cards can be obtained only by people whose credit is either good or excellent (that is whose credit score is above 660). Still, even if your score is only fair (620-659) that does not mean you can’t make a transfer of balance. There are cards for people with limited credit (for instance, Capital One® Standard Platinum or Capital One® Platinum) that permit to accomplish balance transfers. They offer no introductory period with 0% APR, nevertheless the balance transfer is possible. If they comply with your requirements, you can apply for one of them online. Unfortunately if your score is below 620 you are not eligible for these offers. All the best, Manager of Immediate Credit Card Care Service |
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User Name:
ashley |
Date:
June 19, 2007, 12:00 pm |
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can i get a credit card when i have bad credit without having to pay a fee? |
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Answer:
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 |
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User Name:
fred levi |
Date:
June 19, 2007, 7:54 pm |
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does chase offer a 12 month credit card with no fees of any kind for 12 months |
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Answer:
Chase Bank is one of the most reliable and popular issuers. It offers various credit deals with different options. However all the offers have something in common - they all are available only for people with either good (660-749) or excellent (750-850) score. Thus, before submitting an application for one of the Chase cards be sure that you are eligible for it. Request your reports from all three credit bureaus - Experian, Equifax and TransUnion - and check them for mistakes and inaccuracies. If there are any, correct them immediately. If you are sure you can be approved for a Chase card, turn to the page devoted to the offers of this bank. There are in fact several cards with 0% APR on purchases and balance transfers for 12 months. Compare, for example, Platinum MasterCard®, Platinum Visa®, Borders 3.2.1.SMVisa® Card. Read all the details about each deal and choose one that suits you most. All the best, Manager of Immediate Credit Card Care Service |
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User Name:
HAILEY HOOKER |
Date:
June 20, 2007, 6:11 am |
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HELP FIND A CARD NOW
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Answer:
Our website is designed to help you in finding the best credit offer that complies with your needs and financial state. However it is rather difficult to guide you to something particular as you’ve not mentioned your credit score. Before applying for a card you must be sure you are eligible for it. That’s why it is very important to know your current credit score. We recommend you to request you report and 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 crucial because the numbers may differ, and the lenders generally look at the lowest score. If your score amounts to 0-619 it is regarded poor, if it is 620-659 it puts you into the “fair credit” category, if it is 660-749 you score is considered good, and from 750-850 you score is excellent that means you are eligible for the best credit cards. When you know your current rating you are welcome to turn to the category for the good, fair or bad credit offers. Compare the offers, read all the details concerning each of them and choose the one that suits your needs. After that fill the application and submit it online. All the best, Manager of Immediate Credit Card Care Service |
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User Name:
ashley |
Date:
June 20, 2007, 11:36 pm |
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Will Discover approve an application for me if I have no credit history? |
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Answer:
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 |
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User Name:
tracey |
Date:
June 21, 2007, 12:32 pm |
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i just decided to get a credit card. it is possible to get a limit of $1000. to begin with or what would i get started with |
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Answer:
The credit limit is the maximum amount of money you may charge on your credit card. This limit is mainly determined by your credit risk, by your income and by the bank's decision. So, it depends on the terms of your card and may be changed according to your credit history. If you prove to be a good credit payer, you'll be given a higher limit. That's why before applying for a card consider your credit report and estimate your financial state. If you have no credit history yet your initial limit will be rather low, probably several hundred dollars. You your history is not bad you might be given several thousand. Thus, you see, it all depends on your history, income, etc. Keep in mind that the limit is not a constant figure, it may change as your score changes. And it may not only go up, but also go considerably down. That's why if you want the higher limit you must use your credit lightly, pay all the bills on time and keep your score as high as possible. In this case you'll be able to apply for the best credit cards with the highest limits. All the best, Manager of Immediate Credit Card Care Service |
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