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User Name:
Jackie F. Gallegos |
Date:56
August 30, 2007, 5:47 pm |
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How can I apply for a card with 0% interest on balance transfers? |
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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 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 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. 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:
Rolly Meyers |
Date:56
September 18, 2007, 1:50 pm |
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What is the best balance transfer card for bad to fair credit? |
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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 score (620-659) that allow balance transfers. Turn, for instance, to Standard Platinum or Platinum from Capital One. 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. If your score is below 620 unfortunately you are not eligible for balance transfers yet. All the best, Manager of Immediate Credit Card Care Service |
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User Name:
Keicher |
Date:56
September 20, 2007, 4:41 pm |
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Hi,
I'm opening a brand new business and would like to establish credit under the business name and EIN (Employer's Identification Number). Can you recommend a card for me? |
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Answer:
Our website gives you an opportunity to avail yourself business credit offers fitting your special needs and financial plans. Nowadays banks present a great variety of online applications for small new businesses. They will let you control your employees' spending, raise your bank credit limits and provide discounts and bonuses for business expenditures. Among the best online business deals, presented on 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:
sheri |
Date:56
September 24, 2007, 12:41 pm |
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how can I find a card that will accept me and let me transfer balances when my credit is not so good. |
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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 Standard Platinum or Platinum from Capital One. 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:
alicia valadez |
Date:56
September 25, 2007, 12:03 pm |
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yes my name is alicia valadez and im tryinto restsblish my credit |
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Answer:
If your credit is bad and you are eager to improve it, you should follow some necessary recommendations. First of all request you credit report and check it for any mistakes. 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. Missing your payments will negatively affect your credit history, so do your best to make all the payments exactly on time. If you have a bad credit history, you should minimize the amount of inquiries on your credit report and open new accounts only if you need them, Besides, try to keep your balance as low as possible. Don't forget to use the old cards because in other case the data will not be updated. All these recommendations will allow you to establish a positive credit history and in time you'll be able to apply for the good credit offers. |
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User Name:
KAREN |
Date:56
September 27, 2007, 9:25 pm |
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I WANT TO TRANSFER MY BALANCE TO ANOTHER CARD WITH A LOWER APR. HOW DO I GO ABOUT TO DO THIS? |
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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 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. |
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User Name:
Marilyn |
Date:56
September 27, 2007, 10:48 pm |
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do you have any credit cards that are avaialble for those who have filed bankruptcy? Preferable, one without high fees which reduces initial credit to $71. |
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Answer:
Nowadays, credit is available to the recently bankrupt. Negative information, especially that of bankruptcy, may stay on your credit report for almost 10 years but that does not mean that you are not eligible for a credit card. It may be more expensive than before, and available with lower limits. A secured credit card is a good way to establish a history after bankruptcy and it is generally offered with lower rates than unsecured cards. Rebuilding credit worthiness depends on the usage of the card. If you use it carefully and pay off your bills on time, you'll benefit from cards for bad credit. Mind that before applying for the card, it's necessary to get your credit report first and correct any mistakes in case you find them. Then, you're welcome to compare the best bad credit deals or secured cards, presented at our website 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:
ROBERT |
Date:56
September 27, 2007, 11:06 pm |
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WHAT CREDIT CARD CAN I APPLY FOR WITH A COSIGNER? |
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Answer:
As it happens, all credit cards for good credit allow to co-sign for someone. However keep in mind that 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, person with good score (co-signer) applies online through our service for any good or excellent credit card. He/She gets approved. Then this person can call the bank and say that he would like to add someone to his account and that he will be a co-signer for a person with bad credit history. He must tell social security of that person. Co-signer receives a statement by mail, that a person with bad credit must sign and send back. Now person with bad score shares an account with co-signer. By making timely payments person with bad credit will start building his credit history as his payment info. will be sent to all credit bureaus every month. |
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User Name:
Marilyn |
Date:56
September 28, 2007, 1:08 pm |
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my husband has bad credit I beleive but i am tryin gto get my husband a q percent credit card awith free transfers so i can reduce his debt which carad do you recommend> |
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Answer:
Unfortunately balance transfer deals are unavailable for those whose credit is bad. Your husband should have a score of at least 660 to be eligible for 0% balance transfer. If his score is poor (below 620) he can only be approved for bad credit cards. Nowadays many banks, such as Columbus, Dakota, First PREMIER, Millennium and Orchard, offer deals for bad credit. Of course their terms are not as favorable as these of good credit cards, but still they can be a tool of rebuilding one's history. If you have good score and are eager to help your husband you can also co-sign for him. That means he will share an account with you and will get an opportunity to use your good card. By making timely payments your husband will start building his credit history as his payment info. will be sent to all credit bureaus every month. However in this case you will be responsible if he does not pay on time. All the best, Manager of Immediate Credit Card Care Service |
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User Name:
Cassandra |
Date:56
September 28, 2007, 1:21 pm |
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i've never had a credit card before. i'm looking into getting one. i've applied for a few cards but havent been apporved. i'm not sure as to why. the only thing i can imagine is because i have no credit history. but how am i to build that, if i don't have one? |
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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. Thus, if you've decided you want a card you should choose carefully and apply only for those you are eligible for. The most important thing you should do is to request your report and check it for possible mistakes. 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. 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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