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Immediate credit card care service
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| Displaying 320 to 330 (of 560 questions) |
Page: 33 of 56 |
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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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User Name:
ALICE JOHNSON |
Date:August 27, 2007, 2:14 pm |
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APPLY FOR CREDIT |
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Answer:
If you have decided to apply for a credit card, the most significant thing is to choose for which of them to apply. Our web-site is designed to help you in this choice. Here you are able to find adequate information about all types of them - bad/no history credit cards, cards for fair credit, best cards of all, etc. 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, if it amounts to 620-659 choose among fair credit cards, and if it is above 660 you are eligible for deals for people with good history. After you've chosen the card you need you only have to fill the required application form and submit it online. When your application is approved, you credit card will be sent to you by post. If you have any questions concerning the choice of cards, we'll gladly try to help you. |
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User Name:
Mike |
Date:August 29, 2007, 12:18 pm |
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If I get instant approval I need to use this card on the same day. So can I get the card number to use? |
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Answer:
Instant approval really can be a fine way to learn the status of your application immediately. Still, even if you are approved, of course you can't get the card itself through the web. 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. |
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User Name:
tom |
Date:August 29, 2007, 10:11 pm |
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how do you figure a transfer balance fee |
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Answer:
A balance transfer fee is a once-only fee that the credit card company charges you in order to transfer your balances from other credit cards to their credit card. Generally the best deals for balance transfers offer you 0% interest rate for a specified time (usually from 6 to 15 months). However you have to pay a "balance transfer fee", that is a fee some issuers charge to transfer the balance from one credit card to another. The amount of this fee depends on how much you are transferring. For example, this fee on Discover, Citibank and Chase deals amounts to 3%. Thus, a 3% balance transfer fee on a $1,000 transfer would cost you $30. You should also keep in mind, that the banks normally define the minimum and the maximum amount of balance transfer fee. For instance, on Discover this fee is min. $10 and max. $75. On deals from Chase and Citibank it is min. $5 and max. $75. |
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User Name:
gina |
Date:August 30, 2007, 12:36 am |
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i have a credit score of 519 that i am trying to fix and i cant even get a credit car even though they say bad credit how can i get one? i just got a loan a mointh ago for a car. |
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Answer:
First of all, it should be mentioned that chaotic 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. We recommend you to request your reports first of all, and to correct all mistakes and omissions in them, if you find any. If you have a poor credit (519) and want to raise your score 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. Of course their terms are not so 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 rebuilding one's history. 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, that is a person with good history who will be responsible if you don't pay your bills on time. In this case you'll get an opportunity to use this person's good credit card. All the best, Manager of Immediate Credit Card Care Service |
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