|
|
|
Immediate credit card care service
Answering your questions is our job and we love it!
|
|
Probably the answer to your question is already in our databank.
Please use Search before you ask a question.
|
|
|
|
|
|
|
|
|
|
|
Use search form or post your question. |
|
Note: Please do not include any private financial information such as your SSN#, credit or debit account numbers when you submit a question.
By submitting a question you agree to the Terms and Conditions.
|
| Displaying 330 to 340 (of 359 questions) |
Page: 34 of 36 |
 |
User Name:
ALICE JOHNSON |
Date:
August 27, 2007, 2:14 pm |
|
APPLY FOR CREDIT |
|
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. All the best, Manager of Immediate Credit Card Care Service |
|
|
User Name:
Mike |
Date:
August 29, 2007, 12:18 pm |
|
|
If I get instant approval I need to use this card on the same day. So can I get the card number to use? |
|
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. All the best, Manager of Immediate Credit Card Care Service |
|
|
User Name:
tom |
Date:
August 29, 2007, 10:11 pm |
|
|
how do you figure a transfer balance fee |
|
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. All the best, Manager of Immediate Credit Card Care Service |
|
|
User Name:
gina |
Date:
August 30, 2007, 12:36 am |
|
|
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. |
|
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 |
|
|
User Name:
Jackie F. Gallegos |
Date:
August 30, 2007, 5:47 pm |
|
|
How can I apply for a card with 0% interest on balance transfers? |
|
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 |
|
|
User Name:
Rolly Meyers |
Date:
September 18, 2007, 1:50 pm |
|
|
What is the best balance transfer card for bad to fair credit? |
|
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 |
|
|
User Name:
Keicher |
Date:
September 20, 2007, 4:41 pm |
|
|
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? |
|
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. All the best, Manager of Immediate Credit Card Care Service |
|
|
User Name:
sheri |
Date:
September 24, 2007, 12:41 pm |
|
|
how can I find a card that will accept me and let me transfer balances when my credit is not so good. |
|
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 |
|
|
User Name:
alicia valadez |
Date:
September 25, 2007, 12:03 pm |
|
|
yes my name is alicia valadez and im tryinto restsblish my credit |
|
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. All the best, Manager of Immediate Credit Card Care Service |
|
|
User Name:
KAREN |
Date:
September 27, 2007, 9:25 pm |
|
|
I WANT TO TRANSFER MY BALANCE TO ANOTHER CARD WITH A LOWER APR. HOW DO I GO ABOUT TO DO THIS? |
|
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. All the best, Manager of Immediate Credit Card Care Service |
|
|
|
