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User Name:
marge |
Date:56
August 6, 2008, 7:54 am |
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On the American Express card up to 5% cash back- define the "up to" part-
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Answer:
Thank you for your question. Blue Cash® from American Express allows you to earn up to 5% cash back. Your rebate is given annually for 12 consecutive billing periods. If you spend up to $6,500 a year your cash back on Everyday Purchases (purchases made at US supermarkets, drugstores and gas stations that are not departments of warehouse clubs or superstores) is 1%. Finance charges, cash advances, fees, or other means of accessing your credit account, balance transfers, purchases of American Express® Gift Cheques or American Express®Travelers Cheques are not considered eligible purchases. Your cash back on all other purchases is 0.5%. If you spend $6,500.01or more your cash back on Everyday Purchases is 5.0% and for all other purchases you get 1.5% cash back. If you are looking for a cash back card, you might also like Citi CashReturnsSM Card. This card has very low APR and a great rewards program. This offer gives you full 1% cash back on every purchase. And you also receive a 20% bonus on cash back earned during the first year. On top of that you can earn an average of 5% additional cash back if you make your purchases through Citi Bonus Cash Center. This card may work better for you if you spend less than $6,500 a year. Chase FreedomSM Visa Signature® Card. This card gives you 3% cash back in the 3 Everyday purchases (such as grocery stores, fast food restaurants, gas and convenience stores, etc) where you spend the most each month. For all other purchases you receive 1% cash rebate. After your first purchase you are to receive $50 cash back as a bonus. Compare these great cash back cards and apply for the one that suits your spending habits. |
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User Name:
Patrick |
Date:56
August 6, 2008, 1:03 pm |
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I have limited credit right now, and i was thinking of apply for the Orbitz Visa card for Capital One which gives me 1 point per dollar. But I really want to apply for the Capital One No Hassle Miles card. But i want to know if i can upgrade to it when i have good credit? And will my points be transfer to the other card? |
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Answer:
No Hassle Miles card is a card for consumers with good credit only. So it is a wise decision to apply for a card issued by Capital One to improve your credit. If you decide to upgrade your credit account to a better one you will need to call your bank and discuss this issue in person. There are several cards issued by Capital One that are good for building credit. Since you are looking for a card with points an excellent option for you is No Hassle PointsSM Rewards. This is a card for people with limited credit that allows you to earn 5 points per dollar spent at major grocery and drug stores and gas stations. You get 1 point per dollar for all other purchases. Plus, you get 0% intro APR on purchases till December, 2008. Another card that might be of interest for you is No Hassle CashSM Rewards for consumers with average credit. It also has 0% APR on purchases till December, 2008. You get 1% cash back on every purchase and a 25% bonus on the cash you earn annually. Consider all the options, do your best and we hope you will finally be able to apply for No Hassle MilesSM Rewards. |
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User Name:
Adam |
Date:56
August 7, 2008, 4:52 am |
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What interest rate can I get with 587 as credit score?
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Answer:
587 FICO points on your credit report means that you qualify only for cards for consumers with bad credit. However, you are getting closer to the number that is considered fair (average) - 620. So it is about time to apply for a credit card and improve your credit rating. The best option for you would be cards issued by First PREMIER. These offers are designed for people whose credit needs some improvement. The lowest APR you can get right now is 9.9% if you apply for Gold MasterCard®/Visa or Centennial MasterCard®/Visa. These cards have instant approval so you won't have to wait to know whether you are approved or not. Your payment information will be sent to all credit bureaus. These are great cards to improve your credit. You can also apply for Secured Visa® Credit Card issued by Applied Bank. This is a secured card. That means you will need to make a bank deposit. This card has fixed low 9.9% APR. It won't change even if you are late with your payment. |
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User Name:
Susan |
Date:56
August 7, 2008, 11:56 am |
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I need a limited gas credit card for my business. |
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Answer:
There are several cards that might work for you. Business Platinum Rewards MasterCard® issued by Advanta Bank. This card gives you 5% cash back on the first $1,500 on eligible purchases, including gasoline and diesel fuel annually, and 1% on all other purchases. If you already have a credit card a good idea is to transfer your current balance because this card has 0% APR on balance transfer for 15 months. Chase Business Rebate Card. This card gives you 3% cash back for purchases at gas stations, restaurants, building supply stores and office supply stores and 1% cash back on other purchases. This card also gives you 0% APR for 15 months. Discover® Business Cashback Card. You get 2% cash back on gas, 5% on office supplies and 1% on everything else. On top of that you receive $100 cashback bonus as soon as your application is approved. This card comes with 0% intro APR for a year. Compare the deals and apply for the one you like best. |
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User Name:
Susan |
Date:56
August 7, 2008, 2:46 pm |
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I have $4000 in other cards and want to have just one card, but my credit isn't great. Suggestions? |
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Answer:
Most credit cards with 0% APR on balance transfer are for consumers with good credit only. However, there are some cards for fair credit that have very good interest rate for balance transfer.Your best choice would be Platinum Card or Platinum Visa issued by Capital One. These cards are designed especially for those who want to pay off their balance on other cards. They have low rate APR on balance transfer - 8.65%. Also these cards have 0% APR on purchases until December, 2008.Classic Platinum from Capital One also has reasonable APR on balance transfer - 14.65%. The card has no balance transfer fees. 0% intro APR on purchases till will help you save if you plan to use this card for purchases.Most likely, you won't be able to transfer $4000 at once. Usually, credit limit on these cards is up to $2,500 and $3,000. It is still wise to transfer some of your balance to a card with better rates. |
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User Name:
nancy |
Date:56
August 7, 2008, 4:13 pm |
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i am looking for a secured credit card, can i put more money on the card other then the 200. |
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Answer:
Secured credit cards are the best way to build or rebuild credit. Applications are approved without a credit check. That is why you need to somehow guarantee the bank that you have funds to make your payments. Therefore a bank deposit is needed. The best secured cards chosen by our clients are Secured Visa® Credit Card issued by Applied Bank and Black Diamond Visa® issued by Millennium Bank. All of them require a bank deposit. Minimum deposit for Secured Visa® Credit Card is $200, for Black Diamond Visa® - $300. If you are not able to make a bank deposit consider applying for a credit card for those with bad credit history. We recommend Centennial Gold MasterCard®/Visa by First PREMIER Bank. It has very reasonable APR on purchases. You can also get a $50 limit increase by making your first 2 minimum payments. |
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User Name:
Kris |
Date:56
August 7, 2008, 7:19 pm |
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For a business credit card do they check your personal credit?
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Answer:
If you are starting a new business or your company does not have a significant financial history banks check your personal credit history. Most likely the issuer will pull out one or two credit reports from different credit bureaus. Most business credit cards are for good or excellent credit only. The best card our experts recommend is Business Platinum Rewards MasterCard® issued by Advanta Bank. The card has 0% APR on balance transfer for 15 months. It also has a great rewards program with up to 5% cash back on eligible purchases. If your credit history is not perfect and you do not qualify for a business card but need a credit account for your business you can apply for a regular credit card that suits your credit history. Of course, you won't get special rewards for business-related purchases. But these cards might help you improve your credit score. If you have average credit you should consider applying for one of the cards issued by Capital One. For example, No Hassle PointsSM Rewards for fair credit. This rewards card is perfect for those whose credit score is average or who is just starting to build credit. With this card you can earn great rewards when purchasing gas or other everyday items at grocery stores and drug stores. If your credit is damaged the best option for you is a secured credit card. With Secured Visa® Credit Card issued by Applied Bank you can have a credit line of $5,000. However, you need to make a bank deposit to secure your credit account. The minimum bank deposit is $200. |
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User Name:
ryan |
Date:56
August 8, 2008, 2:03 am |
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i dont have good credit, though i have a co signer with excellent credit, i want to rebuild my credit, though i dont want any first premier credit cards, are there any credit cards out there they will allow a co signer and that it will buid my credit as well |
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Answer:
There are several options available for you. First of all, consider getting a secured credit card. You need to make a bank deposit that will secure your credit account. The more money you deposit the bigger your credit limit will be. All your payment information will be sent to credit bureaus. We recommend the following secured credit cards: Secured Visa® Credit Card issued by Applied Bank and Black Diamond Visa® by Millennium Bank. These cards give an excellent opportunity to rebuild credit. If you are not interested in secured offers you can apply for an unsecured on. Since you do not want any First PREMIER cards a good deal for you would be Orchard Bank Classic MasterCard®. This card is ok for consumers with damaged credit. It also gives you 0% intro APR for 6 months. |
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User Name:
joel curt |
Date:56
August 8, 2008, 10:41 am |
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I am trying to search out cards that offer conveniance checks. Specifically with no charge for transfer, they consider all money spent as purchase. Any suggestions? |
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Answer:
Unfortunately, convenience checks are considered a cash advance by any bank. So you need to be aware of the fees that come with them (dishonored convenience check fee, convenience check stop payment fee, etc). You need a card with low APR and fees on cash advances. If you have good credit history you should consider applying for Business Platinum Rewards MasterCard® from Advanta Bank. Its special feature is that your APR for cash advances might be as low as 7.99% (the same as your ongoing APR). Your APR will be determined by the bank after evaluation of your credit report. The fee will be 3% ($50 maximum). If you your credit is average and you can apply for one of the cards issued by Capital One for consumers with limited credit, such as Standard Platinum or Platinum. However, keep in mind that your interest rate for the money spent with a convenience check will be higher and you will be charged an additional fee. |
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User Name:
Rubberhead |
Date:56
August 8, 2008, 12:06 pm |
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Does 0% Intro APR on purchases intil December 2008 mean the interest will still accrue and I will have to pay interest from now until December, in January?? |
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Answer:
As far as we can understand from your question you are talking about Capital One credit card offers that come with 0% APR introductory period. 0% intro APR on purchases until December 2008 means that no interest will accrue till December (0% interest rate through your 12/2008 billing period). However, your promotional 0% APR offer may expire if your payment is received late (three or more days after the due date). You APR may be increased to default APR if you are late with your payments twice within 12 billing periods. Capital One gives a great opportunity for consumers with limited credit as well as those with high credit score to save on purchases. Select the card that suits your credit history and enjoy 0% APR on purchases. |
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