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User Name:
tad singleton |
Date:
June 21, 2007, 7:44 pm |
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What type of card do I qualify for with a 598 credit score? |
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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. 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 |
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User Name:
shann |
Date:
June 22, 2007, 1:15 pm |
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why do you have bad credit card choices but when someone signs up for the credit card with bad credit you always deny them the credit card services. What's sense of having them sign up for the card.???????????????????????And what's the sense of having credit cards for people with bad credit.????????????????????????? |
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Answer:
First of all, it should be mentioned that we don't represent any particular bank or credit company. Our web-site is aimed at providing 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. Besides, we render a service of online application for the chosen card. However we don't issue any cards ourselves and don't make decisions on whether to approve or deny someone's application. If you have decided to apply for a credit card, the most significant thing is to choose for which of them to apply. The first and the most crucial thing you should do is to request your credit report and choose one according to your current score. Mind that your score is of extreme significance and by far determines your opportunities. Make your choice carefully because if your score is not high enough you'll be denied and your score will be further damaged. If your current score is below 620 turn to bad credit offers. 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. Consider all the information 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. This card requires you to deposit some sum to ensure your ability to pay. On our site you can find a few variants of these cards too. Finally, you can draw a co-signer, a person, who will take responsibility in case you don't pay off your bills. After you've chosen the card you need you only have to fill the required application form and submit it online. All the best, Manager of Immediate Credit Card Care Service |
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User Name:
walter Burnell |
Date:
June 23, 2007, 8:15 pm |
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I applied for a Sears credit card yesterday but I was turned down because I did not have enough credit history. I am wanting to rebuild my credit. Can you explain to me what I need to do? Also, do unsecured loans rebuild credit? |
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Answer:
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 |
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User Name:
Heidi McMullen |
Date:
June 26, 2007, 7:06 pm |
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How quickly can I recieve a credit card in the mail ? |
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Answer:
After you’ve applied for a credit card online, you have to wait for the bank's decision. You see, the bank needs some time to check your credit report and decide whether you qualify or not. It can take various periods of time, depending on the type of the card chosen. 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 First PREMIER. In other cases you’ll have to wait for a couple of days, a week or a month. If you're approved, a bank sends you a statement and a card itself by post. From this moment onwards it is the post-office that is responsible for the card delivery. The period of delivery can require various periods of time depending on your location. Generally it takes several days before the card arrives to you. All the best, Manager of Immediate Credit Card Care Service |
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User Name:
pam |
Date:
June 26, 2007, 8:56 pm |
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Can my credit score be lowered if i were declined credit? |
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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. That's why, the first and the most important thing to do is to request your credit report and get to know your score. This three-digit number serves as the main indicator of your creditworthiness. If the score is below 620 you can only be approved for the bad credit deals. If it is 620-659 turn to the cards for fair credit. And if your score is above 660 you are actually eligible for the best offers. Thus, turn to the appropriate category, read all the information attentively and choose the deal that suits you most. Then fill an application and submit it online. All the best, Manager of Immediate Credit Card Care Service |
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User Name:
jess |
Date:
June 30, 2007, 10:19 pm |
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I dont have any credit and i am always getting denied they keep sending me prepaid cards. Is there anything i can apply for and i wont get denied? |
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Answer:
First of all, it should be mentioned that too many applications won't do you any good. You see, each time you are denied you score further decreases, which in turn lowers your chances to be approved in the future. It is a vicious circle as a matter of fact. Thus, if you've decided you want a card you should choose carefully and apply only for those you are eligible for. 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. All the best, Manager of Immediate Credit Card Care Service |
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User Name:
colleen |
Date:
July 1, 2007, 12:19 am |
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do you have a credit card that people with bad credit from canada can apply for? |
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Answer:
At the moment on our site you are welcome to compare the best cards for the residents of the USA as well as the cards for the UK, Canada and Belgium. We are glad to render a service of online application for official residents of these countries. So, if you are an official resident of Canada, pay your attention to the best Canadian cards. However, all Canadian cards from American Express CA presented on our website require either good or excellent score, thus, don't forget to request your report and make sure you are eligible for them before submitting an application. If your credit is bad, unfortunately, you are not eligible for them. All the best, Manager of Immediate Credit Card Care Service |
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User Name:
kristen |
Date:
July 3, 2007, 10:04 pm |
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is there any credit card that does NOT have a balance transfer transaction fee? |
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Answer:
Nowadays credit card balance transfers are a widespread tool of reallocating your debt from a high rate card to a better one. The majority of issuers offer no annual fee and 0% intro APR on balance transfers for new customers for a period from 6 to 15 months. In addition, it is also possible to consolidate debt from more than one card. On our site you can find the best balance transfer cards applications that will help you solve the problem of debt. Their terms differ, and it is only up to you to decide which offer suit you most. For example, Discover® Card offers 0% on balance transfers for 12 months and Blue from American Express® and American Express IN:NYC charge no balance transfer fees. Mind that these cards are created primarily for people with good or excellent history, so request your report before applying for a card. Check it for any mistakes and if you find any correct them immediately. Learn your credit score. If it is above 660 you are certainly eligible for one of the 0% balance transfer cards. Compare all 0% balance transfer cards options properly, fill the application and submit it online. All the best, Manager of Immediate Credit Card Care Service |
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User Name:
isis |
Date:
July 5, 2007, 2:57 pm |
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i have a low fico score, never had a credit card and have no debts. why do i keep getting denied when i apply by all and what credit cards will i be approved for?? |
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Answer:
Getting a credit card today in fact requires no special effort. However your chances of being approved are largely based on your credit risk. If your score is poor (below 620) the risk for the bank is high. That's why your report is checked more thoroughly and it is more difficult to get a card. Thus, if you've decided to apply you should choose carefully and apply only for deals you are eligible for. The most important thing you should do is to request your reports from all three bureaus (not only one of them!). Check all of them for any mistakes or inaccuracies. If you find any, ask the bureaus to correct them as soon as possible. If the information in your report is inaccurate the bank may deny your application. Learn your current scores. If your score is low (below 620) you can only apply for bad credit deals. Turn, for example, to offers from Columbus, Dakota, First PREMIER, Millennium or Orchard. Another fine way to improve your credit is to apply for one of secured credit cards. This card requires you to deposit some sum to ensure your ability to pay. It reduces the risk, that's why the lenders generally are more eager to issue such cards for people with bad/no history. After you've chosen the card you like just click "apply", fill the required form and submit an application through our service. All the best, Manager of Immediate Credit Card Care Service |
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User Name:
John Brown |
Date:
July 6, 2007, 4:57 pm |
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I just got offered a credit card from first premire bank with a 300.00 credit limit. The set up fees, the yearly fees and the other fees equal about my credit limit. I have a 560, 550 and 510 credit score but I am going to try to repair that and some of it is clearly inaccurate. My Mom who has excellent credit told me not to activate that card and to find one she could co-sign for me on, but I cant find one online with the application for a co-signer. Can you help me find one? |
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Answer:
In fact all good credit applications allow to co-sign for someone. However as it happens you can not apply with a co-signer right away online. If you are eager to get a card with a co-signer, you should do the following. First of all, your mother (co-signer) applies online through our service for any good/excellent credit card. She gets approved. Then she can call the bank and say that she would like to add someone to her account and that she will be a co-signer for a person with bad credit history (you). She must tell your social security number. Then the co-signer receives a statement by mail. You must sign it and send back. After that you will share an account with your mother (co-signer). Mind, that you will get two cards with two different numbers, but the account and credit limit will be the same. By making timely payments you will start building your credit history as the information on your payments will be sent to all credit bureaus every month. All the best, Manager of Immediate Credit Card Care Service |
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