| Displaying 360 to 370 (of 560 questions) |
Page: 37 of 56 |
 |
User Name:
charlene thomas |
Date:56
July 12, 2008, 6:00 pm |
|
Do you offer Balance Transfer Cards to people with 'fair' credit. |
|
Answer:
It's a good question to ask, as most balance transfer credit cards are designed mostly for people whose credit is near to perfect. But it doesn't mean that you cannot find a fair deal. Let's face it! How do balance transfer cards work? They give a lower interest rate on balance transfers so that you can pay off your high-rate balance on more favorable terms. That's it! And even if your credit is fair, you've got some options. Platinum MaxSM and Platinum - Visa by Capital One come with low rate APRs on both purchases and balance transfers. They're extremely low and paying off high-rate balances on this rate will save you time and money. All the more so, these cards come with no balance transfer fees and this could save you extra money as well. You can also review Classic Platinum by Capital One. This plastic gives a fair rate on balance transfers and comes with no balance transfer fees. Compare credit offers to choose the one that suits you best! |
|
|
User Name:
linda taylor |
Date:56
July 13, 2008, 3:48 pm |
|
|
i have my credit report for experian the only credit item is nco $113.00 which has been paid i have no credit history and am continuously turned down for credit cards i only want to build my credit up plese advise me on what to do |
|
Answer:
Your intention to build credit is praiseworthy. And actually you've got all the chances to establish a solid credit history when being a diligent cardholder. The core point is to choose the right credit card, i.e. a plastic that suits your credit rating. Once it is low, apply for the cards that require limited credit history. You may try Standard Platinum or Classic Platinum by Capital One. These plastics comes with 0% Intro APR on purchases and give you a fair ongoing interest rate after the introductory period. With these Capital One cards, you will enjoy some platinum benefits that will be of great use. Centennial Gold MasterCard/Visa issued by First PREMIER is another card that may be used for building stable credit. This card is specially designed for people whose credit is far from ideal. First and foremost, it's a very effective credit building tool, as the creditor reports monthly to major credit bureaus. The strong point of this card is a low APR on purchases, really low! It's a rare feature among offers for bad/no credit. By making your payments on time and keeping your debt-to-credit ratio as low as 30%, you are sure to build good credit! |
|
|
User Name:
diana |
Date:56
July 15, 2008, 8:34 pm |
|
|
how do i establish credit ? |
|
Answer:
If you are going to establish credit, first of all you should get the idea of a reliable credit user. The most important rules of good credit are as follows. Apply for credit cards you are eligible for, in order to avoid denials. Do not apply for a lot of cards, especially if you are denied. Try to keep within the credit limit. Make timely payments, try to make more than minimum payments, Also, you should check your credit history on a regular basis. Establishing credit, you apply for a suitable credit card and use it wisely. A little bit later, after you show a reliable credit behavior, you will be able to apply for another credit card. Your aim is to obtain a number of credit accounts in your name and keep them in good standing. In the start of a credit history, you can also get a store credit card - they are easily approved and contribute to your score tangibly. To establish a credit history, apply for a credit card especially designed for limited credit. Orchard bank provides Classic MasterCard which has 0% intro APR, good account managments system, including sms reminders for payments, etc. It is also widely accepted. Another option for you to consider is First PREMIER MasterCard/Visa - it has rather low APR on purchases, quality customer service and a range of additional services like 24/7 access to your account. What is more, the bank guarantees to report to all major credit bbureaus, which will have a positive effect on your credit. You can also evaluate Capital One Platinum card which gives 0% introductory APR, opportunities to save and competitive ongoing APR. But you should think twice and check out your eligibility before applying for a card of this bank. |
|
|
User Name:
Dawn |
Date:56
July 22, 2008, 12:28 pm |
|
|
I need to transfer balances to consolidate my bills. I need the best card and offer available. For the longest and best or 0 interst balance. There are so many. Please help me. |
|
Answer:
Balance transfer credit cards are really one of the best ways to pay off your old debts. They provide a low intro APR so that you will be able to reduce balances at lower costs. However, it is important to point out that balance transfer plastics are for good and excellent credit. So, you should check your credit history before application to know if you are eligible. There is a wide range of BT credit cards, some of which can also give bonuses and points or cash back rewards. When choosing a card, one should decide for what purposes the card will be used. If you want just to pay off your debts and use the plastic for urgent needs, choose one with the lowest APR and longest intro period. If you are going to use the card for purchases after reducing debt, you can take a card with point rewards or cash back. Check out the following options. Discover More Card provides up to 12 months of introductory period and 5% cash back. Another plastic from Discover is Discover More Card Clear which has the same advantages. The cards have no annual fee. Blue Card by American Express has 4,99% APR until you pay off the balance. Plus, the card provides an attractive point rewards program and advantageous terms for purchases. |
|
|
User Name:
Rod Morrison |
Date:56
July 23, 2008, 8:53 am |
|
|
Do you have a card that offers up to 15 months 0 interest on balance transfers abd up to 12 months 0 percent on new purchases? |
|
Answer:
In truth, it's really hard to find the card offering 0% rates on purchases and balance transfers within such a long period of time. Most cards offer either a long intro period on purchases or on balance transfers. However, you may check through some really nice credit cards. Platinum Visa by Chase Bank offers 0% intro APR for 12 months on purchases and on balance transfers. In addition to that, this card has no annual fee and a low ongoing APR. If you want to make the most of the intro period, consider Flexible Rewards Platinum Visa by Chase. It comes with 0% APR on balance transfers and purchases, plus it enables to earn rewards redeemable for free airline tickets, hotel stays, and more. This card also has no fee. Citi Diamond Preferred Card is one more card that gives 0% interest rates on purchases and balance transfers for up to 12 months. This card comes with a low ongoing APR and no annual fee. But keep in mind, you should have good or excellent credit history to qualify for these cards! |
|
|
User Name:
Rene |
Date:56
July 23, 2008, 3:38 pm |
|
|
do you have credit cards for people with no credit ? |
|
Answer:
There are several cards that are designed for consumers with limited or no credit.Capital One®. Standard Platinum. This card is the most popular one among our clients with limited/no credit history. It has reasonable APR and no annual fee. It also gives promotional 0% APR on purchases till December, 2008. Capital One®. No Hassle PointsSM Rewards. This is a credit offer with rewards for consumers with less than average credit history. It also has 0% APR on purchases till December. No bank deposit is needed for these two cards.Millennium Bank. Black Diamond Visa®. If you do not want to take chances and need to get a credit card for sure the best option is to apply for a secured card. It is approved regardless of credit history. All you need is a bank deposit to secure your credit account. |
|
|
User Name:
Terrance Smith |
Date:56
July 23, 2008, 5:15 pm |
|
|
Please help Iam a 40 year old woman that just needs a chance to get my credit started!! I have always relyed on my dad or my ex husband!! Is there ANYTHING I can do????!!!! |
|
Answer:
In fact, everything might not be that bad as you expect. Though it would have been wise to open some accounts in your name for building credit, you can still establish credit history and your age is no obstacle for this. Unfortunately, you haven't provided any information about your credit score. Judging by your words, you've got limited credit history but it doesn't mean that you cannot obtain a credit card.Platinum - Visa and Classic Platinum by Capital One can be a smart choice for you. These cards require from limited/no to fair credit history, so you have good chances to be approved for these cards. If you are looking for a card with low interest rates, Platinum - Visa will suit you best. With Classic Platinum by Capital One, you will get 0% intro APR on purchases as well as moderate interest rates on purchases and balance transfers.If you want to be on the safe side knowing that you will be approved, consider secured credit cards, like Secured Visa Credit Card. But keep in mind, to activate a secured card you need to open a savings account and deposit a certain sum of money into it. But the good thing about Secured Visa by Applied Bank is that your credit limit will be equal to your deposit, and by the way it may be pretty high. Besides, this card comes with a really low APR on purchases, plus the issuer will send monthly reports to 3 major credit bureaus!Review these options and choose the one that suits you right! |
|
|
User Name:
laquita hatten |
Date:56
July 24, 2008, 2:11 pm |
|
|
Which card is best for me to apply for. I have no credit and no credit card company has given me a card yet. |
|
Answer:
Most customers with no credit mistakenly think that they cannot obtain credit cards because of their low credit rating. However, there are certain credit companies that issue plastics specially designed for those with limited credit. Besides, if you are a student, you may consider even more attractive credit offers. If you are new to credit you may review Capital One Standard Platinum. This card comes with no annual fee and you have all the chances to benefit from this card when paying your bills in full every month. With Standard Platinum, you may also enjoy 0% promotional APR on purchases, plus exclusive savings at the Capital One Saving Zone. If you are going to carry a balance on your card, Platinum by Capital One will be the right choice. This card comes with low ongoing interest rates on purchases and balance transfers, plus it gives 0% APR on purchases. These Capital One cards are designed for those who are new to credit as well as for those who continue building credit, so you have all the chances to be approved for these cards. If you are a student, feel free to review Citi Platinum Select Card for College Students. This card has no annual fee, 0% APR on purchases and balance transfers for 6 months. You can manage your credit account online as well as pay your credit bills. Compare these offers and make your choice! |
|
|
User Name:
Barbi |
Date:56
July 25, 2008, 2:18 pm |
|
|
I am looking for a 0% balance transfer with no 3% fee or annual fee. Do you have any companies that offer this at this point? |
|
Answer:
Thank you for your question. Unfortunately, banks no longer offer cards with 0% APR on balance transfer and no fees because too many consumers close accounts and switch to other cards when the introductory period is over. Banks need to compensate their losses in this situation.There are several options for those who want to transfer balance to a new card. If you have good credit history we would recommend you to apply for one of the cards with 0% APR on balance transfer. These cards are More Card - Clear by Discover® and Platinum Visa® by Chase Bank. Both these offers have 3% balance transfer fee. However, this fee has a cap - $75 so if you are transferring a significant amount this won't be much.If you prefer not to pay a balance transfer fee you can apply for Clear from American Express®. This card has very low fixed 5.99% APR on balance transfer until it is paid off. This card is also for consumers with good credit. |
|
|
User Name:
fred gordon |
Date:56
July 25, 2008, 6:11 pm |
|
|
MY HUSBAND AND I FILED BANKRUPTCY A YEAR A GO? WOULD WE BE CONSIDERED TO HAVE BAD CREDIT B/C OF THAT OR FAIR CREDIT. |
|
Answer:
It's been only one year since you filed bankruptcy so most likely you have bad credit. Still, we recommend you to request your free credit report and check your credit score.One of the ways to improve your credit score is to apply for a credit card for bad credit and make your payments on time. If you want to get a credit card for sure you might start with a secured offer. You need to make a bank deposit to secure your credit account. We recommend the following deals:Applied Bank. Secured Visa® Credit Card. There are no income or credit requirements for applicants. Low 9.99% won't change even if you are late with your payment. Millennium Bank. Black Diamond Visa®. Your application will be approved regardless of your credit history. It also has special features such as emergency cash transfer and extended warranty protection.Both banks report all your payment information to credit bureaus.If you would like to try to get an unsecured credit card our top choice is Centennial MasterCard®/Visa by First PREMIER Bank. This card is designed especially for consumers with bad credit. No bank deposit is required. Unlike many cards for bad credit it has low APR on purchases.Compare these offers and apply for the one that is best for you. |
|
|
