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User Name:
Levi |
Date:56
October 1, 2007, 4:19 pm |
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Hi I am 18 and have never had a credit card before...also I don't want my parents to find out..anyways what is the best credit card to start with? Do I need a bank before i apply? |
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Answer:
If you are 18 already you have the right to get a credit card. First of all we recommend you to open a savings and a checking account in your name, if you haven't done it yet. This is essential as it proves your financial independence and ability to deal with money. 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. Besides, if you are a student, you can compare best student cards presented on our site. Their terms are much more favorable that these of common deals for no credit. All the best, Manager of Immediate Credit Card Care Service |
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User Name:
Eric |
Date:56
October 1, 2007, 4:48 pm |
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I am a 19 year old trying to start my credit. I've never applied for a credit card before and have no history of credit. What card do you recommend that is decent for my situation? |
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Answer:
First of all we recommend you to open a savings and a checking account in your name, if you haven't done it yet. This is essential as it proves your financial independence and ability to deal with money. 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. Besides, if you are a student, you can compare best student cards presented on our site. Their terms are much more favorable that these of common deals for no credit. Finally you can draw the so-called co-signer, that is a person who will be responsible if you don't pay off your bills on time. All the best, Manager of Immediate Credit Card Care Service |
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User Name:
jeannette afflerbach |
Date:56
October 2, 2007, 12:35 pm |
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i was approved for a credit card to reastablish my credit how long does it take to get the card after they take the money from my account for proccessing |
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Answer:
In fact it takes various periods of time to consider your application. You see, generally the bank needs some time to check your report and to make a decision whether you qualify or not. However nowadays many banks also offer to their customers the service of instant approval - that means that the decision is made in a few minutes. In other cases however your application is considered by the bank for a longer period of time - from days to weeks - and then is sent to you by post. Thus, you will also have to wait a bit before the card itself arrives. It depends on where you live and on the work of the post-office. Generally it takes several weeks to get a plastic card itself. |
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User Name:
Huntley |
Date:56
October 5, 2007, 4:54 pm |
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List balance transfer cards that have no fee of any kind to transfer an initial balance from another card. |
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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. At 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. If you want no balance transfer fees we recommend to consider Blue from American Express as well as and American Express IN:NYC, IN:LA and IN:CHICAGO. Compare all 0% balance transfer cards options properly, fill the application and submit it online. |
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User Name:
brian k willoughby |
Date:56
October 17, 2007, 4:28 am |
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my pin |
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Answer:
The PIN number is a number you get to access your account. The PIN number is very important because it is impossible to activate and use the card without this number. As it happens we are not a financial institution and have neither right nor opportunity to deal with the personal financial information. Your PIN is absolutely confidential and can not be issued by other organizations than banks. The only aim of our website is to provide you the information about various types of credit cards. Here you can consider the best credit deals, cards for good, fair, bad or no credit. If you are going to apply for one of them, we will gladly try to help you in your choice. However it is completely out of our competence to deal with your PIN. If you received a credit card and have no PIN, you should immediately call the bank and clear out the situation there. |
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User Name:
jeremy |
Date:56
November 7, 2007, 10:58 am |
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how can i get a credit card with no credit history? |
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Answer:
It is mostly true that you need to have a credit history to get a credit card. It is a usual bank measure to prevent nonpayment. But don’t worry that you can’t be eligible for credit cards. The card issuers think about people with no history. There are two options for you. First, you can apply for a secured credit card. The amount of money you deposit into your account will be your credit limit. Also you can obtain an unsecured credit card for no credit history at First PREMIER Bank. This is a perfect way to establish your credit history. |
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User Name:
shirley |
Date:56
November 21, 2007, 12:31 pm |
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what credit reporting agency is used? What is a good score to have in all buries? |
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Answer:
There are 3 major credit reporting agencies in US - Equifax, Transunion and Experian. They comply and distribute credit and personal information to creditors. All 3 agencies should have completely identical information about credit history. A credit score is a statistical summary of the information contained in a consumer's credit report. The most commonly used type of credit score is FICO score. The good credit score starts from 660 points. |
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User Name:
Jessica |
Date:56
November 27, 2007, 9:15 pm |
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Where can I find a credit card with a 0% APR on Balance transfers for 12 months and no balance transfer fee |
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Answer:
There are special balance transfer credit cards with the best terms for balance transfers. We advise you to have a look at More Card - Clear by Discover Bank. This card requires good/excellent credit rating. It offers 0% APR on balance transfers and purchases within 12 months introductory period. Also it has some other benefits. You will get no annual fee, 5% cashback bonus, $40 cashback bonus when applying online right now, up to 1% cashback bonus on all other purchases, unlimited cash rewards and more. |
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User Name:
maria armamento |
Date:56
December 1, 2007, 1:03 pm |
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what kind of credit card should i get to build my credit? |
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Answer:
Thank you for addressing your requests to our service. We hope our answer helps you to find a credit card you need. To begin with, you have an opportunity to apply for a credit card and get approved. At our site, we present credit card offers for limited credt. Moreover, you can examine our secured credit card offers. These are considered to be the best way to establish your credit history. But you should take into account that in this case you need a collateral to secure your credit. |
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User Name:
robert |
Date:56
December 18, 2007, 8:55 pm |
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what is a default apr |
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Answer:
Default APR is a penalty APR. If you are late to make payments your regular ongoing APR may increase. For instance, your credit card agreement may say, that if your payment arrives more than ten days late two times within a six month period, the penalty rate will apply. Defaults are a serious negative factor on your credit report. It is strongly recommended to avoid them. Default APR may be as high as 29.74% and may be applied to all outstanding balances on your credit card. |
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