Immediate credit card care service

Right now it is not possible to find a card that has 0% APR on balance transfer and no balance transfer fee. A balance transfer is a service and you should pay for it some way or another. Since a totally "free" balance transfer is not an option you need to analyze your situation and find the deal that will be less costly for you.

If you have good or excellent credit and need to transfer a significant amount, the best option for you will be More Card - American Flag from Discover. It has 0% APR for 12 months and 3% charge ($75 maximum).

The advantage of Blue from American Express is that it offers fixed low APR for balance transfer till it is paid off. This feature is especially convenient if you are not sure that 12 months is enough time to pay off the balance in full. This card is also for good or excellent credit.

If your credit is limited you should apply for Platinum-Visa from Capital One. This card is designed especially for those who have average credit but need to pay off their balance faster with lower APR. You get a card with extremely low APR on balance transfer.

Consider all the options and apply for the card that is best for your situation.

Customers who have flawless credit history and who have been a reliable credit card holder with their bank, can ask for a lower interest rate, just contacting the bank's customer service representatives. Of course, there is no guarantee that the bank will give you what you ask, but in many cases people are a success. if you really think your current interest rate is unbearable or there are more beneficial credit card offers by other banks, call your credit company and tell them about it. You can be given a lower or 0% APR and fees, depending on your case.

For very good credit score, there are a number of credit card offers with extra beneficial features and lowest interest rates.

For example, Citi Platinum Select card rpovide 0%APR on purchase and balance trasnfers for 12 months, no annual fee, a range of online services and identity thft protection program.

If you are a frequent flyer, you can check out Capital One No Hassle Miles card - it gives 1,25 miles rewards for each dollar spent and 13,9 APR on both purchases and balance transfers.

Another popular credit card for good and excellent credit is Blue card by American Express. it provides 0% on purchases for 15 months and only 4. 99 % on balance transfers, plus a bunch of alluring rewards.

Your credit score shows your creditworthiness. Since you have no credit the banks are not sure whether you will be a responsible cardholder or not. That is why fees and interest rates for consumers with no credit are higher than those for clients with good or excellent score. Look at those cards for no credit as the first stage of building your credit report. By applying for such a card you invest in your future good credit.

There are several ways you can go to establish credit. You can apply for one of the cards issued by Capital One. For example, Platinum-Visa card has incredibly low APR but it has a $39 annual fee. Standard Platinum card has no annual fee, but the APR is higher. It is up to you to choose which card suits you better.

You should also consider applying for a secured credit card, such as Secured Visa® Credit Card from Applied Bank. It has very low fixed APR and the annual fee is only $50. However, you will need to make a bank deposit to serve as collateral since it is a secured credit card.

Unfortunately, nowadays banks do not offer cards that have 0% APR on balance transfer and no balance transfer charge. A balance transfer is one of the regular banking services and the banks expect you to pay for it. Since you cannot count on a totally "free" balance transfer deal you need take into account all the details and find the card that will allow you to make a less costly balance transfer.

If you have good/excellent credit and look for a card to transfer significant balance, the best deal for you will be More Card - American Flag from Discover. The card has 0% APR for 12 months and 3% charge ($75 maximum).

Another option is Blue from American Express that offers fixed low APR for balance transfer for unlimited period of time. This feature is especially advantageous for those who are not sure that a year is enough time to pay off the balance. This offer is also for good/excellent credit.

If your credit is average you should apply for Platinum-Visa from Capital One. This offer is designed for those who have limited credit but want to pay off their balance faster with lower APR. You get a deal with very low APR on balance transfer.

Select the offer that works best for you.

The card that has the longest intro period (15 months) with 0% APR on purchases is Blue from American Express. It has no annual fee and very low ongoing APR. It also has very low APR on balance transfer until it is paid off.

Platinum Visa® from Chase is another great card for purchases. The 0% intro APR is valid for 12 months. The card has no maintenance fee and low APR. Free Cash RewardsSM Visa® Card has similar features but also offers a cashback program.

According to your words, you have unpaid balances and a number of denials on your credit record. This really makes your credit score low. To cope with the situation, you have to take some important steps. First of all, stop making multiple applications for credit cards, especially if you are not sure you are eligible for them. Denials make your credit score lower and leave you fewer chances of approval.

Second, you should remove all the negative records from your credit history. if your ex is not going to pay off the bills, you will have to do it, as they are in your name. Or, you have a right to sue him, if you are intended to make him pay. But, mind it, your negative records will not be removed until you eliminate all debts in your name.

On reducing your debts, you are free to start building a stable credit history. Apply for a credit card that is easily approved, for example, Millennium Black Diamond card which is issued on a secured basis and has quite acceptable terms. Secured plastics are easily approved, because you have to make a security deposit which determines the spending limit you will be given by the lender.

Capital One also has something to offer to people with bad credit, however, these plastics are harder to get. For example, Capital One Standard Platinum card provides 19.5% APR after an intro period of 0% interest and a number of special benefits.

Another issuer, First PREMIER bank presents MAsterCard/Visa for limited credit which will help you to improve your credit tangibly.

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.

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.

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.

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.