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User Name:
Susan Rotondi |
Date:
July 2, 2008, 3:06 pm |
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Do you have a credit card available for a college student with only a $300-$500 limit? I was told by your new application dept. that you did but they could not give me the name, and I have been transferred twice and disconnected. Could you please provide me with the name of the card if it is available so my son can apply online? Thank you. |
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Answer:
Hello Susan! At our site we have a number of student credit cards which you can compare and choose the one to meet your son's needs. Student credit cards are designed for students – young people searching for a good beginning for their credit history. These cards are available for people with limited credit – the type of credit of many young people! They provide a limit of no more than $300 – 500 as a start, not a high credit limit and some of them have rewards. If your son is wise with this card, making timely, more that minimum payments and keeping within the credit limit, he will improve his credit history and can be later eligible for higher credit limit and cards with better rates. Please, evaluate the options we present for college students at our site. Capital One No Hassle Cash Rewards for Young Adults has 0% intro APR and 16,65% ongoing APR, annual bonus and cash back rewards. It is just a credit card with which a youngster can learn how to manage credit. Another credit card from Capital One, Standard Platinum for Young Adults, has a variable APR of 19,55%, no balance transfer fees, online account services and other helpful features. Both the cards are for limited credit history. Citibank Platinum Select Card for College Students has 0% intro APR, no requirements for minimal income or cosigner and allows you to put your photo on a card. it is also a popular plastic among students. |
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User Name:
leah |
Date:
July 6, 2008, 11:01 am |
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if i get a pre-paid credit card does this improve my credit score? |
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Answer:
First of all, a line should be drawn between pre paid card and secured credit card. A pre-paid card is a debit card, so it works only if you install an amount of money on the account. After this, you will be able to spend money, within the limit you had installed. A secured credit card is often called a pre-paid card, but it is actually a credit card which requires that the customer should make a security deposit before he will be approved a credit limit. The credit limit depends on how much is your securty deposit. Secured credit cards are popular among those filing for bankruptcy or just planning to establish credit, because most secured cards are easily approved and do not display any signs of the cardholder's credit history. The basic difference between prepaid cards and secured cards is that the first does not help you to build credit and is not ever reported to a credit bureau. A secured card is a convenient and available way to improve or rebuild one's credit. if you haven't chosen any cards yet, please, consider the following products. Secured Visa from Applied bank provides fixed APR of 9, 9% which is not going to change even if you are late. The card also provides an opportunity to get up to 5 thousand dollarsas a credit limit. Millennium bank Black Diamond card is accepted at many palces and ATMs and gives you freat customer service.The card has the same APR for purchases (no inttro APR) and for cash advances! Another option for you consideration is Platinum MasterCard by Millennium bank. It has guaranteed approval and can be used in more than 700,000 locations. Choose the card you like most and make a good start to your good credit history. |
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User Name:
Ernesto Correa |
Date:
July 11, 2008, 9:45 am |
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how do i get a credit card if i don't have no credit |
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Answer:
Establishing credit, you should be especially choosy and reasonable, as your first credit card and the way you use it will be a decisive factor in what your credit history is going to be like. Consider credit card offers which are marked as cards for no credit history, choose the one that fits your needs and make your application. Mind it, you should apply for bank cards you are eligible for and try to get as many positive credit records (store credit cards, status of authorized user on somebody's credit card and the like) as possible. However, avoid multiple applications, as it can lead to denials and debt!Here are some credit card offers for people who are going to establish a solid credit history. Look at Capital One Standard Platinum card which has no annual fee, 0% introductory APR and a competitive ongoing APR. Among the card deals of this bank you can also check out Platinum Max MasterCard which has a lower fixed APR, zero balance transfer APR and low annual fee. Another credit card provider of credit cards for limited credit is First Premier bank. First Premier Centennial MasterCard/Visa (you can choose the type of a card) provides reporting to four credit bureaus, low APR on purchases and quick credit decision. |
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User Name:
Lavonna Rae Hansen |
Date:
July 12, 2008, 2:54 pm |
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i really need a credit card with a limit of at least a 2500 credit line to pay my bills and i also have bad credit is there a credit card out there for me? |
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Answer:
The thing is, most issuers prefer to work with customers whose credit is good or excellent, and applying for a card with bad credit may be rather difficult. It depends on your credit profile. If you happen to be a good customer who pays bills on time, you've got all the chances to be approved for the card you want to obtain. As for the cards designed for limited credit, you've got some offers to choose from. Platinum MaxSM card by Capital One gives exactly what you're looking for - a credit limit up to $2,500 and a fixed interest rate for three years. Classic Platinum and Standard Platinum cards by Capital One provide the way to save on purchases within the introductory period. Spending limits on these cards may be as high as $3,000. Actually, it depends on your credit score, and it's up to card issuers to set the limit on your card. Take your time and check through these deals! |
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User Name:
Gerald |
Date:
July 12, 2008, 6:00 pm |
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Do you offer Balance Transfer Cards to people with 'fair' credit. |
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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 interest rates 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! |
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User Name:
linda taylor |
Date:
July 13, 2008, 3:48 pm |
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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 |
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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! |
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User Name:
diana |
Date:
July 15, 2008, 8:34 pm |
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how do i establish credit ? |
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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. |
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User Name:
Dawn |
Date:
July 22, 2008, 12:28 pm |
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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. |
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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. |
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User Name:
Rod Morrison |
Date:
July 23, 2008, 8:53 am |
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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? |
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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! |
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User Name:
fred gordon |
Date:
July 23, 2008, 3:38 pm |
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do you have credit cards for people with no credit ? |
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Answer:
There are several cards that are designed for consumers with no credit. Capital One®. Standard Platinum. This card is the most popular one among our clients with 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 no 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. |
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