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User Name:
nick |
Date:
August 20, 2007, 5:19 am |
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Is it true that everyone is accepted even if they have no credit? |
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Answer:
Getting a credit card today is actually rather simple and safe. However no one ever argues that everyone who submits an application will be approved. Thus, if you've decided to get a card you should choose carefully and apply only for those you are eligible for. Many banks do want to attract new customers, that's why they offer credit deals for those who have no history yet. If you have no credit you can turn, for example, to offers from Columbus, Dakota, First PREMIER, Millennium or Orchard. Of course their terms are not as favorable as those of good cards, they charge annual fee and often also setup fee, and the APR is generally higher. However they can be a fine tool of building up one's history. On our site we present some cards for no credit. Consider all the information about each card, compare the present offers and choose one that suits your requirements. Another way to establish your history is to apply for one of secured credit cards. This card requires you to deposit some sum to ensure 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", 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:
Donna Dean |
Date:
August 20, 2007, 11:01 am |
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Where can I find a 0% introductory balance transfer card with no balance transfer fees |
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Answer:
A credit card balance transfer is often used to save money, because the majority of credit companies offer no annual fee and 0% APR on balance transfers. Besides, it is also possible to consolidate debt from more than one card. However it must be emphasized that these cards are designed 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 surely eligible for one of the 0% balance transfer cards. On our site you can find the best balance transfer deals from various banks. Their terms in fact differ, however all of them charge no annual fee. If you also want a card without balance transfer fee pay your attention to Blue from American Express and IN:NYC from American Express. They charge no balance transfer fees and other favorable terms. They may be very useful and help you to save money. Read all the information on them, fill the application and submit it online. All the best, Manager of Immediate Credit Card Care Service |
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User Name:
armando |
Date:
August 21, 2007, 4:54 pm |
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I want to get a credit card but I don't have no credit history nothing how do I start |
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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:
sonia |
Date:
August 22, 2007, 11:17 am |
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hi and thank you for your time..... my son just turned 21 and just graduated from high school... he has no credit and no debts. He wants to get a credit card....how shall we proceed?? |
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Answer:
We recommend your son, first of all, to open a savings and a checking account in his name, if he hasn't done it yet. This is essential as it proves his financial independence and ability to deal with money. Then there are two options. On the one hand, he is able to get a credit card of his own, even though he has no history yet. Nowadays many banks, such as Columbus, Dakota, First PREMIER, Millennium and Orchard, offer deals for no credit. On our site we present several deals for no credit. You and your son can compare the present offers and choose one that suits his requirements. Besides, he can apply for one of the so-called secured credit cards. With this card he will have to deposit some amount of money to guarantee his ability to pay. On our site you can find several variants of these cards too. On the other hand, if your history is good and youê score is high (above 660), you can help your son to establish his history and co-sign for him. In this case your son will share an account with you (a co-signer). By making timely payments your son will start building his credit history as his payment info. will be sent to all credit bureaus every month. However, mind, that you (a co-signer) will be responsible if he won't pay on time. All the best, Manager of Immediate Credit Card Care Service |
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User Name:
Josephine |
Date:
August 23, 2007, 1:34 am |
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Can you please tell me what my best option is to apply for a credit TRANSFER if I have a low 600 credit score
I am not sure that my credit score is the best due to a view late payments? Is there a credit card that caters to fair credit scores where I can consolidate my two cards into one/ |
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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 660). 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 (620-659) 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. Mind, that if your score is below 620 unfortunately you are only eligible for bad credit deals, that do not offer balance transfers. |
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User Name:
Christina Duncan |
Date:
August 23, 2007, 12:49 pm |
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Looking for 0% APR and 0% on balance transfer of the standard life of it. Is there a card that carries this?
what is the best deal for balance transfers without a transfer fee i have excellent credit
I have a high balance on an American Express Blue card and want to transfer it to a lower rate or 0% credit card in order to pay it off. What is the right one to choose? |
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Answer:
A credit card balance transfer means reallocating your debt from high rate card to a better one. It's often used to save money, because the majority of credit 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. 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. On our site you are welcome to compare the best balance transfer applications that will help you solve the problem of debt. Their terms differ, and it is only up to you to decide which offer suits you most. For example, Discover® Card offers 0% on balance transfers for 12 months and American Express IN:NYC, IN:CHICAGO and IN:LA charge no balance transfer fees (however the intro period on them is only 6 months). Blue from American Express implies 4,99% APR on balance transfers for life and no balance transfer fee. Compare all 0% balance transfer cards options properly, fill the application and submit it online. |
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User Name:
nicole patricia pelose |
Date:
August 23, 2007, 9:00 pm |
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where should i apply for my first credit card, i've applied to a few places and have been denied.even though i dont have bad credit, i dont have credit. |
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Answer:
The first step you should make is to assess your credit history and your rating by getting a report. Then, if you haven't done it yet, open a savings or a checking account in your name. This will prove your ability to deal with money. Cards for no credit are intended to make it easier to obtain a loan for people with no credit history. You can apply for one of these cards online through our service. Read all the data concerning each card and choose the card that complies with your needs. Another way out is a co-signer, a person, who will take responsibility in case you don't pay off your bills. Nevertheless, it doesn't mean that you're not responsible for your payments: all negative information is reported to the bureau and may stay on your report for quite a long time. All the best, Manager of Immediate Credit Card Care Service |
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User Name:
Catherine Perry |
Date:
August 24, 2007, 9:18 pm |
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Am looking to open our Corporate credit cards....no credit has been established yet other than to
set up our business phone. All accounts will be under our EIN.
Any suggestions as to where to begin?
Thanks!
I have poor credit, but my corporation has good credit. Been in business 2 years. I have been turned down before based on my credit. Which business credit card is most flexible and bases more on business than personal credit. |
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Answer:
Our website gives you an opportunity to consider business credit card offers fitting your special needs and financial plans. Nowadays banks present a great variety of online applications for small new businesses. Among the best online business deals, presented at our site, you can find best offers from the USA top companies and banks - Visa®, MasterCard®, American Express® and others. However, all small business credit cards that we have require "personal guarantee" or in other words require (Social Security number). We do not have any credit cards that would require business EIN, (based on companies credit history). |
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User Name:
sammy |
Date:
August 25, 2007, 1:50 am |
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how many credit card we should have |
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Answer:
In fact it is quite difficult to give you the exact number, as it is all more or less individual. Generally, you should have a couple of credit cards in good standing (that means you pay all the bills on time) open at any time. Three or four with high credit limit is an ideal situation. If you have too many cards it will probably decrease your score, because you have too much credit and that is a risk for banks. Also, if you have too few credit accounts (not necessarily cards, but also loans, mortgages, etc.) it is also bad for your history. If you have a couple of credit accounts in good standing you can have only two or even one credit card, it is ok. On our website you are welcome to compare best credit offers from various banks and apply for them online. All the best, Manager of Immediate Credit Card Care Service |
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User Name:
Ernie |
Date:
August 27, 2007, 8:57 am |
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I just check my credit, I have a fair score. I already have one credit I would like another one wich card would be best for me? |
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Answer:
The credit score is essential 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. We recommend you to request the three scores and be guided by the lowest one, as the lenders generally also tend to look at the lowest score, not at the highest one. If your lowest score is fair (620-659) choose among the cards for fair credit. On our website you can find several variants of such cards from Capital One and First PREMIER. 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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