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User Name:
nancy |
Date:
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:
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:
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:
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:
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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User Name:
nerrisa rush |
Date:
August 8, 2008, 6:40 pm |
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just got discharged for bankruptcy how long does it take for me to get a credit card |
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Answer:
Bankruptcy is a complicated problem for a credit card holder, but there is always a way to improve the situation. Bankruptcy does not only make your credit rating lower, it leaves the negative record on your credit report which stays there for 5 – 7 years. Few banks provide credit card offers for people who filed for it, but there are companies offering credit cards for those who want to rebuild their credit after bankruptcy. You can consider the following options.Secured credit cards are known to be easily approved, because you make a security deposit which guarantees you will pay off your debt. Besides, secured cards can have lower fees and interest in comparison with unsecured plastics for bad/no credit. Try Platinum MasterCard by Millennium bank which provides credit limits of up to $10,000 and has the same interest rate on purchases and cash advance. First PREMIER bank introduces a range of credit options for people with damaged credit. Check out the bank's unsecured credit cards for low credit score. Compare First PREMIER Centennial Visa/MasterCard or Centennial Gold Visa/MasterCard – they have moderate APR and fees. Besides, the bank provides quick guaranteed approval for all applicants and reports to all major credit bureaus.No matter which credit card you will choose, your success in credit rebuilding depends on how accurate you are with your payments. Pay on time, make more than minimum payments and keep within your credit limit, and you will be able to significantly improve your credit.Good luck! |
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User Name:
richardson ashford |
Date:
August 10, 2008, 2:36 pm |
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I have very little credit and is trying to get credit how do I know which cards are best for me |
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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 build 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 Visa/MasterCard (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:
linda tirnauer |
Date:
August 10, 2008, 7:14 pm |
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You show 2 Discover card offers for balance transfers with introductory rates of 0% for 12 months and a maximum transfer fee of $75. When I go to apply, it indicates that transfers are at a "low" rate of 149%!!!!!
Anyone would have to be crazy to transfer a balance at 149%. How can I be sure I'll get a 0% rate? I don't want to give them transfer information and risk having a balance transferred at a ridiculously high rate unless I'm sure of what I'm getting! |
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Answer:
For those consumers who wish to transfer their current balance our experts have selected best credit card offers. Among them are two great cards from Discover - More Card and More Card - Clear. Both of them have 0% APR on balance transfer for 12 months. We are not sure where you saw the 149% interest rate but most likely there was a temporary error on the banks page. Please take a close look at the terms and conditions of the offer. If you feel uncomfortable applying for a Discover credit card consider other offers. For example, Platinum Visa® issued by Chase Bank also has 0% APR for balance transfer for 12 months. |
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User Name:
Sister Maria Robinson |
Date:
August 11, 2008, 8:48 am |
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I have no credit rating because I have never had any debts. Therefore, I am always refused everything, being told I can't even have a charge account because I have no credit rating. Recently I had to pay cash for a new vehicle. I had to pay cash. I was also not allowed to charge anything at a Walmart!!! My income is small - SS - but I have a healthy portfolio. I have been told that I should "establish credit"???!!! Your answer to this dilemma would be appreciated. Sister |
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Answer:
Of course, you should establish credit! It is no secret that people with good credit enjoy tangible savings and rewards when using credit cards. It goes without saying that good and excellent credit history helps you get lower interest rates on cards and loans. In order to establish credit, you should choose a credit card that provides guaranteed approval or does not require good credit score.First of all, you should get an account in your name - a savings account, a debit card or both. Thus the bank will see you are responsible enough to use banking services. After that you can apply for a store card or a credit card for bad/no credit, very often it is a secured type of a card which requires a security deposit and provides guaranteed approval, accordingly. An example of such a card is Millennium bank Black Diamond card which provides up to $10.000 of credit limit (depending on your security deposit) and moderate APR on purchases and cash advance. A beneficial unsecured credit card for limited credit is Capital One Standard Platinum, which has intro APR of 0% and 19,5% ongoing APR, plus convenient account management service. Though, you should be very careful when applying for a Capital One credit card, if your credit is too bad.You can also check out First PREMIER Centennial MasterCard/Visa: it approved applicants with limited credit,reports to the major credit bureaus and has a competitive interest rate. |
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User Name:
john |
Date:
August 12, 2008, 7:55 pm |
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which credit card is the best for balance transfers with a 0% for a person with a credit score of 700 |
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Answer:
Your credit score is really high, and you have all the chances to find the right card with which you can save a lot. When it comes to balance transfers, there can be several great options. If the balance you're going to transfer is not that heavy and you can pay it off within the introductory period, cards with a 0% Intro APR are the best. Discover More Card can be a smart choice for you. This card gives you 0% promotional rates on balance transfers within 12 months. Plus, it has no annual fee, so you don't have to pay extra charges for the maintenance of the card. Unfortunately, there are no 0% balance transfer cards available on offer that do not charge a balance transfer fee. This card comes with a balance transfer fee of 3% with cap of $75. It means you will pay a fee of no more than $75 when transferring your balance from one card to another. Another card offering 0% intro rates on balance transfers within 12 months is Platinum Visa by Chase. This card also comes with 0% rates on purchases and no annual fee. It has a capped balance transfer fee of 3%. Citi Platinum Select Card is also a good choice. It gives 0% rates on both balance transfers and purchases for up to 12 months. Again, no annual fee is required to be paid. Plus, it has low ongoing interest rates. Look through these offers, compare their features and make your choice. Good luck! |
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