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User Name:
Amanda Speed |
Date:56
August 16, 2008, 7:17 pm |
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What is the best credit card for short term use? What if you know you need a certin amout of credit, is there anyway to get it on one card instead of applying for several? |
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Answer:
If you are planning to pay off your balance in full each month the best option for you will be a charge card. It is similar to a credit card but there is no ‘minimum payment' - you have to pay off the whole amount borrowed by the end of the billing cycle. It works almost like a short-term loan. The biggest advantage of these cards is that the interest rate is usually very low. Some issuers such as American Express allow customers to pay for significant purchases over time (for example, with an American Express card you can enroll in the Extended Payment Program or Sign & Travel Program). Consider such cards as Preferred Rewards Green Card or The Gold Card from American Express OPENSM with no pre-set spending limit and finance charges. Compare the rewards programs and select the card that suits your spending habits. Keep in mind that these cards are for good and excellent credit only. If you do not want a charge card and would like to get a regular credit card to be able to make only minimum payments One from American Express® is a good option. This card also has no pre-set spending limit. This is an instant approval card is you will know whether your application is approved within 60 seconds. This deal is for consumers with good/excellent credit as well. |
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User Name:
micaela kane |
Date:56
August 16, 2008, 10:51 pm |
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re: all unsecured credit cards for poor, bad, problems that exist EXCEPT cards offered or affiliated FIRST PREMIERE! Please locate if any exist! |
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Answer:
A good way to rebuild credit is to apply for a secured credit card. You need to make a bank deposit to secure your credit account. The rates on such cards are much lower than those on First PREMIER cards and all the payment information goes to the credit bureau. Our experts recommend Secured Visa® Credit Card from Applied Bank and Black Diamond Visa® issued by Millennium Bank. These are cards are designed especially for consumers with damaged credit history. If you need an unsecured credit card consider Orchard Bank Classic MasterCard®. Even though it is a card for consumers with bad/no credit it has 0% APR on purchases for 6 months. You can use online enrollment to receive email and text messages when the due date comes. |
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User Name:
RUBY |
Date:56
August 17, 2008, 2:47 am |
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i NEED TO APPLY FOR A SECURED CREDIT CARD. i CANNOT QUALIFY FOR ANY OTHER KIND. i HAVE CLEARED ALL OF MY NEGATIVES FROM MY CREDIT REPORT, SOME PAID IN FULL AND SOME THRU SETTELMENT. i HAVE A GOOD JOB, i MAKE 32k A YEAR AND HAVE NO OUT STANDING DEBTS. mY NEXT SET IS TO RE-ESTABLISH MY SELF WITH A SECURED CARD SO THAT i CAN, BUILD A GOOD FICO SCORE. CAN YOU HELP ME? |
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Answer:
It is a wise decision to start rebuilding your credit history with a secured credit card. These cards have lower rates compared to regular credit cards for bad credit and all the payment information goes to credit bureaus. Here are the best secured cards selected by our experts. Secured Visa® Credit Card from Applied Bank. The greatest advantage of this card is that your low APR won't change even if you are late with your payment. You can choose a credit limit of up to $5,000 by making a bank deposit. Black Diamond Visa® from Millennium Bank. Your application will be approved regardless of your credit history because the bank does not do a credit check. The credit limit is up to $10,000. You also receive a $10,000 accident insurance. Since you have already paid off your debt you might qualify for one of the unsecured cards issued by First PREMIER such as Centennial Gold MasterCard®/Visa. Since it has relatively low APR on purchases the card is the most popular unsecured deal for consumers with bad credit. |
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User Name:
shane barton |
Date:56
August 17, 2008, 10:40 am |
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garented approval in 30 seconds for credit card |
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Answer:
There are cards for different types of credit history that have instant approval. That does not mean that the approval is guaranteed, though. For example, if you are applying for a card for excellent credit you should have a good credit report. The situation is different for card offers for those with bad credit. First PREMIER Bank gives cards within 60 seconds such as Gold MasterCard®/Visa and Centennial Gold MasterCard®/Visa. You can also get a card with no credit check at all if you apply for a secured credit card, for example Black Diamond Visa® from Millennium Bank. However, you will have to make a bank deposit first to secure your credit account. |
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User Name:
Judy Sabol |
Date:56
August 17, 2008, 3:21 pm |
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On Discover card. What is auto maintaince , does that include purchase of tires? What about repairs? Do they have a list of what qualifies? |
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Answer:
With Discover® Open Road Card you get full 5% cash back on gas and car related purchases. Gas and auto maintenance purchases are those made at merchants Discover classifies as gas stations and at stores that primarily sell automotive parts and services, such as auto repair shops, auto dealerships, car washes and tire stores. So eligible purchases include tires and repairs at those locations. If you are looking for a gas card you might also be interested in No Hassle PointsSM Rewards Capital One and PerfectCardTM MasterCard® from Chase Bank. |
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User Name:
kathleen |
Date:56
August 17, 2008, 4:28 pm |
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Can you help me find a credt card with no fee for transaction and low monthly interest rates |
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Answer:
As far as we can understand you are looking for a credit card with no balance transfer fee and low interest rate on balance transfer. The best card for you would be Platinum issued by Capital One. There is no balance transfer fee associated with this offer and the interest rate is very low. This card is designed for those who need to pay off balance with low rate APR.Another card with no balance transfer fee is Classic Platinum. Both cards have 0% APR on purchases till December, 2008. You have good chances to be approved even if you have limited credit history.If your score is high enough you can qualify for one of the balance transfer offers for those with good/excellent credit such as More Card by Discover. |
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User Name:
kathleen |
Date:56
August 17, 2008, 10:58 pm |
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I'm looking for a no fee credit card that will include travel insurance as well as flight travel miles. I have an excellent credit rating |
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Answer:
No Hassle MilesSM Rewards Credit Card issued by Capital One is probably the card you are looking for. It has no maintenance fee. With this card you get 25% than regular mileage cards with 1.25 miles for each dollar spent on purchases. You also get worldwide automatic travel insurance for free if you use your credit card to pay for your fare. This card is for people with excellent credit. Another option is Blue Sky from American Express. This card has no annual fee and Travel Accident Insurance. You can get up to $250,000 in accidental death and dismemberment insurance. You earn points on every item you buy. The points can be used for any airline, car rental, cruise or hotel. Miles by Discover®Card is another great card for traveling. The offer includes Excess Collision Damage Waiver Insurance and Scheduled Air Travel Accident Insurance. It has no annual fee and an excellent travel rewards program. |
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User Name:
kayla |
Date:56
August 19, 2008, 11:43 am |
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Am i ale to get a no credit credit card no matter what? |
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Answer:
Credit cards for no credit are as a rule the most easily approved plastics. Some banks promote them as credit cards with no credit check, because they cannot check your inexistent credit history. other banks present their credit cards for no credit as plastics for people without negative credit records. So, if you have no credit, you can apply for both types of plastics. if you need a credit card with guaranteed approval due to negative credit experience (for example, bankruptcy), you'd better pay attention to secured plastics. As you do not give details of your credit history, you are welcome to compare the following credit cards according to your actual needs. Capital One Platinum Visa provides 8.65% variable APR on purchases afetr almost half a year of 0% intro APR. With this card you will be able to pay off your balances faster, however, Capital One is rather choosy about its potential customers. Applied Secured Visa card can give you up to $5,000 of credit limit and 9.99% fixed APR that will not change even in case of a late payment! This card will be issued to you after you make a security deposit. Another plastic of this type is Millenium bank Black Diamond card providing guaranteed approval, wide acceptance and the same APR for purchases and cash advance. |
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User Name:
jack |
Date:56
August 19, 2008, 12:22 pm |
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I have a few credit cards that are blocked or closed,but have found out about settlements.My credit score is low 600's and my wifes score is 700 roughly. We would like to do some settlements by use of balance transfers to get them paid off. What route for credit card is my wifes best option ? She would need credit card with about 8,000 to 10,000 limit . Please help! Thank you |
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Answer:
Your wife's score is rather good so she might be able to get a balance transfer card for good credit. The credit limit is determined by the bank so we cannot guarantee that she gets a $8,000-$10,000 credit limit even if she is approved.Discover More card is among the best cards for balance transfer. It offers 0% APR on balance transfer as well as purchases. It has no annual fee and a cash back program. However, this card is for those with good and excellent credit so there are chances that your wife's application will not be approved.Platinum Prestige issued by Capital One could be a solution for you. This card has no intro 0%APR but it is still a good deal because it offers low rate APR. Moreover, this card has one of the highest approval rates among low rate APR offers. Your credit line with this card might be up to $20,000.Another card that is very popular for balance transfer is Platinum issued by Capital One. There is no balance transfer and the interest rate is very low. Consumers with limited credit are eligible for this card however the credit line is rather small - up to $5,000. |
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User Name:
karla |
Date:56
August 19, 2008, 5:45 pm |
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i had an account before, it was closed and it was in collection but they told me i could ask to re-establish my credit back since i already paid in full |
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Answer:
There are several ways to re-establish credit. The first one is to apply for one of the cards issued especially for bad credit such as Centennial Gold MasterCard®/Visa or Centennial MasterCard®/Visa by First PREMIER Bank. The special feature of Centennial Gold MasterCard®/Visa is that it allows you to increase your credit limit by making your first minimum payments. If you would like to know right on the spot whether your application is approved you should apply for Centennial Gold MasterCard®/Visa. It comes with instant approval. Another option is to apply for a secured card such as Secured Visa® Credit Card by Applied Bank. You need to make a bank deposit to make a bank deposit to secure your credit account. With a secured credit card you get better APR. Compare the two options and apply for the card that suits your needs. |
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