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User Name:
Tammy Porter |
Date:
July 23, 2008, 5:15 pm |
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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????!!!! |
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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 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! |
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User Name:
laquita hatten |
Date:
July 24, 2008, 2:11 pm |
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Which card is best for me to apply for. I have no credit and no credit card company has given me a card yet. |
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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! |
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User Name:
Barbi |
Date:
July 25, 2008, 2:18 pm |
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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? |
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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. |
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User Name:
fred gordon |
Date:
July 25, 2008, 6:11 pm |
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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. |
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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. |
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User Name:
Patty Longo |
Date:
July 27, 2008, 4:26 pm |
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I am tired of applying and getting turned down. I applied to the so called bad credit cards for people trying to rebuild credit but I get turned down because of limited credit even when it says limited credit ok. Can you help me |
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Answer:
Thank you for contacting us. In your situation we would recommend you to start with requesting your credit report. Sometimes banks turn down applications because some information on your credit report is missing or incorrect. You need to make sure that all the data the credit bureaus have is accurate. Since a certain number of your applications have been rejected we think a good option for you will be a secured card. You can make a small bank deposit to get a plastic. By making regular payments you have good chances to improve your credit score. We recommend the following offers: Applied Bank. Secured Visa® Credit Card. You do not have to meet any income or credit requirements to get approved. Low 9.99% will not change even if you miss the payment date. Both financial institutions report your payment information to all major credit bureaus. Millennium Bank. Black Diamond Visa®. Applications are approved regardless of credit score. It also has special perks including extended warranty protection and emergency cash transfer. If you would still like to try to get approved for an unsecured credit card the best option is Centennial MasterCard®/Visa by First PREMIER Bank. This card is issued especially for people with bad credit. No bank deposit is needed. Its main advantage is that it has low APR on purchases. |
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User Name:
Dana |
Date:
July 28, 2008, 2:10 pm |
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Hello. My question is that I already have a credit card. I am a stay at home mother, so therefore I don't have a "job". My fiancee does pay my bills, including the credit card that I already have. It has defaulted, but never for long and I always address it as soon as I have the funds. With the economy the way that it is, and my daughter's one year birthday coming up very soon, I am in desperate need of another credit card. I know that isn't the best idea, but at this point it would be very helpful. Since my financee isn't my husband yet, and I am technically unemployeed, do you know of any credit cards that I would be able to get? Thank you! |
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Answer:
The first thing to do in this situation is to request your credit report to know your credit score. If it is lower than 620 you have bad credit. If it is somewhere between 620-749 points you have fair credit. Depending on your credit history you can apply for different credit cards. If you have some funds available and want to get a credit card for sure you should consider applying for a secured credit card. All you need to have is a bank deposit that will secure your credit account. The best card will be Secured Visa® Credit Card issued by Applied bank. The applications are approved regardless of credit score. If you need an unsecured card but have bad credit you can apply for Centennial MasterCard®/Visa by First PREMIER Bank. You won't need to make a bank deposit. The card has relatively low APR for purchases. If your credit report states that you have fair credit you can apply for a Classic Platinum by Capital One®. It has 0% intro APR on purchases till December 2008. This card is for consumers with average credit. Apply only for the card you qualify for. Remember that a rejection might hurt your credit history. |
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User Name:
Matthew Flanagan |
Date:
July 28, 2008, 4:06 pm |
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I'm 25 years old and i only have 1 card and its a Macy's credit but it doesn't have a major credit card logo i had some problems with a lien on my credit a few years back that was cleared but now when i apply for cards online in stores or even financing at car dealers it always comes back as not enough credit history or lack of credit history but i can't get any credit to actually raise my credit or raise my credit history... What am i to do? I do make about 600 a week and only pay about 600 a month in bills so the moneys there i just need to get my foot in the door! what do you recommend? |
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Answer:
First of all, you should request a free credit report from credit bureaus. Very often banks turn down applications because the information they receive from credit bureaus is incomplete or incorrect. You need to make sure that there are no errors on your credit report. After you know that everything is correct you should apply for a credit card. Since you have an income that allows you to invest in your credit history we recommend you to start with a secured credit card. You need to make a bank deposit to serve as collateral and then request a card. It will be just like a regular credit card, your bank deposit will simply guarantee the bank that if something happens and you are not able to make your payments there are funds to use to pay off your debt. All your payment information will be sent to credit bureaus so you will start building your credit history. Here are secured cards we recommend: Applied Bank. Secured Visa® Credit Card. The bank will not check your income or credit history. The card has low 9.99% APR that will remain the same even if you miss a payment. Millennium Bank. Black Diamond Visa®. This card is also approved regardless of your credit history. It has an emergency cash transfer feature and extended warranty protection. If you would like to get an unsecured card your best choice will be one of the cards issued by First PREMIER, for example, Centennial Gold MasterCard®/Visa. It is a card for consumers with bad credit so there are chances you will be approved. |
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User Name:
meko nygun |
Date:
July 28, 2008, 5:32 pm |
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ia a plus score of 9002 mean i have bad credit? |
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Answer:
9002 is a code used by Experian credit card bureau to mark accounts with insufficient information to establish a credit score. That means that most banks will reject your credit card application because your risk score is not calculated. First of all, you need to contact the credit bureau to discuss the matter. Second, you need to start working on your credit history. The best solution in your situation will be to apply for a secured credit card. To get a secured card you need to make a bank deposit. This deposit will serve as collateral for your new credit account. All your payment activity will be reported to major credit bureaus and that should help you establish your credit history. We recommend the following cards: Secured Visa® Credit Card issued by Applied Bank. Your income and credit score do not matter. If you make a bank deposit your application will most likely be approved. The card has very low 9.99% APR on purchases that'll remain the same if you miss a payment. Black Diamond Visa® and Platinum MasterCard® issued by Millennium Bank. Applications for these cards are approved regardless of your credit score. They give extended warranty protection, auto rental insurance and an emergency cash transfer. |
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User Name:
Diogo |
Date:
July 29, 2008, 11:59 am |
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hi need a credit card with no limits so i can transfer balances of my existing credit cards, so i save some money, can you help me? |
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Answer:
Thank you for contacting us. Unfortunately, there are no cards that literally have no limits. Your credit line depends on your credit history and your income. The decision is made by the bank so you won't know your actual credit limit till you are approved for the card. The best solution for you will be to apply for a credit card with 0% APR or fixed low rate on balance transfer. Of course, you will be approved only if you have good credit history. Here are the best cards for balance transfer: Discover® Card. More Card. This card has 0% intro APR on purchases on balance transfer. You will have up to a year to pay off the balance transferred. The balance transfer charge is 3% but not more than $75. More Card is great for purchases because it gives you excellent rewards. American Express. Blue from American Express®. This card has very low fixed APR on balance transfer and 0% APR on purchases for up to 15 months. The balance transfer fee rate is also 3%. ($99 maximum). It also has a great rewards program. Chase Bank. Platinum Visa®. This is another card with 0% APR on balance transfer. The introductory rate is 12 months. The fee is 3% ($75 max). This card has no rewards but its ongoing APR is relatively low. Apply for the deal that you like best. If you won't be able to transfer balances from all you cards, you can apply for another card with 0% APR later. Just do not apply for several cards at once. Also keep in mind that having more than 5 credit cards looks bad on your credit report. |
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User Name:
michelle mcknight |
Date:
July 31, 2008, 12:15 am |
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i am trying to transfer very high balances to a low apr. i am trying to pay off these cards and do not plan to use them however my credit is not that good due to my exhusbands wages being attached over a student loan which i cosigned for him what do you suggest |
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Answer:
To be approved for credit cards with 0% APR on balance transfer you need to have good credit history. Since your credit history needs some improvement we recommend you to apply for cards for average credit. We have selected several credit cards with reasonable APR and no balance transfer fees for you. All these cards are issued by Capital One. Platinum MaxSM. Ongoing APR on balance transfer is 16.9% and there is no balance transfer fee. It also has the same interest rate on purchases. Classic Platinum. Its current APR on balance transfer is 14.65%. Another advantage is that it has 0% APR on purchases till December 2008. Platinum - Visa. This card has a balance transfer fee of 3% but it has an incredibly low APR - 8.65%. This card is designed especially for those who want to pay of balances faster. Before you apply for one of these cards it would be a good idea to check your credit report to know your exact score. To qualify for these cards you score should be more than 660 FICO points. |
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