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User Name:
IRENE SALAMERA |
Date:56
August 19, 2008, 11:43 pm |
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HOW CAN I GET A GAS CARD BUT MY CREDIT WAS NOT GOOD.? |
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Answer:
Unfortunately, we do know what credit score you have. Judging by the information you have provided in your question it is lower than 660 FICO points and you do not qualify for cards for good credit. If you have so-called average credit (620-660 FICO points) and you have a chance to be approved for No Hassle PointsSM Rewards by Capital One. With this card for people with limited credit you get 5 points for every dollar spent at gas stations, grocery and drug stores. Keep in mind that Capital One works with consumers that have no negative information on their credit reports such as bankruptcy, defaulted accounts, etc. If you have damaged credit your best option is to work on rebuilding it. Try one of First PREMIER credit offers for bad credit such as Centennial Gold MasterCard®/Visa or Centennial MasterCard®/Visa. By making your payments on time you might be able to raise your credit score and become eligible for gas rewards cards. |
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User Name:
Mike |
Date:56
August 22, 2008, 4:59 pm |
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I have good credit. Is there any cards out there with a 0% intro rate on Balance Transfers that does NOT charge the 3% transation fee. |
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Answer:
Unfortunately, nowadays banks do not offer cards with an intro 0% APR on balance transfer and no transfer fee. Still there are some credit offers that are great for balance transfer. Since you have good credit you can apply for the cards with the most favorable terms.The card voted best for balance transfers by our customers is More Card by Discover. It has no annual fee and 0% APR on balance transfer and purchases. The balance transfer fee is 3% ($75 maximum). Another popular balance transfer card issued by Discover is More Card - American Flag. If you do not want to pay a balance transfer fee consider applying card for Platinum issued by Capital One. The interest rate is very low. This card has a good approval rate. |
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User Name:
JP |
Date:56
August 23, 2008, 8:11 am |
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If I want to apply for a secured credit card with a credit limit of $5,000.00 do I need to deposit 5,000 into my bank account to cover the credit limit first? |
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Answer:
As a matter of fact, it depends on the issuer and credit card offer. generally, if you want to get a secured credit card, you are supposed to make a security deposit so that the bank could issue a credit limit to you. Different banks can offer different terms and conditions for their secured credit cards. Usually, the minimum credit limit on such a card is $250 - 500. As you show reliable credit behavior, that is pay off your balance intime and in full and avoid going over the limit, the bank can increase your spending limit at your request, so the limit can be up to several thousand dollars. Most banks provide credit limits equal to the security deposit. Compare the following credit card offers to choose the best one. Applied Bank Secured Visa card provides up to $5.000 credit limit and a fixed APR of 9.99%. It is a very popular credit card among those who is eager to establish or rebuild credit. Another attractive option is Millenium Black Diamond card which can give you up to $10.000 credit limit, has a low APR on purchases and provides travel accident insurance. you can also compare secured credit cards and unsecured ones, for example, First PREMIER Centennial MasterCard/Visa which requires no security deposit, but after some time of accurate usage can give you a good credit limit and a number of benefits. |
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User Name:
beverly turner |
Date:56
August 23, 2008, 1:04 pm |
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i have a business that i buy approx 20,000.00 in product every month. is there a card that would allow me to get cash back on that much each month if paid off in full each month. |
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Answer:
There are several business credit cards you should consider. Business Platinum Rewards MasterCard® and Life-of-Balance Platinum Card issued by Advanta Bank. There is no limit to the amount of cash back you can earn. Cash Back rewards are earned based on your annual level of Net Purchases (made for business purposes), excluding Bonus Qualifying purchases, as follows: .25% on up to $3,000 in purchases; .50% on purchases between $3,000.01 and $5,000; .75% on purchases between $5,000.01 and $15,000; and 1% on purchases in excess of $15,000. There are also items that are considered Bonus Qualifying Purchases (computers, computer supplies, gasoline and diesel fuel, online advertising services, electronics and office supplies, and utilities and telecommunications.) Your credit limit will depend on your credit history but it might be up to $50,000. Discover® Business Cashback Card. This card also offers unlimited cash back rewards. Each year, you can earn a full 5% Cashback Bonus on your first $2,000 in office supply purchases as well as a full 2% on your first $2,000 in gas purchases. On top of that, you can earn up to 1% unlimited Cash back Bonus on all other items purchased after your total annual purchases exceed $5,000. On other purchases that are part of your first $5,000 you can earn .25%. Consider the options and choose the card that suit you best. |
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User Name:
Amont |
Date:56
August 23, 2008, 10:07 pm |
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Looking for credit card for corporate use that is based only on the corporate credit rating and not on personal credit check. |
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Answer:
Corporate credit cards are issued only for business entities that have their own legal existence and independent identity. For example, it should be registered as a Limited Liability Corporation and have its business peripherals. However, even if your company is registered as an LLC, your personal credit still has an impact on the decision made by the potential lender. If your personal credit score is lower than 640 points your application will most likely be denied. Among business credit cards we offer our experts recommend the following deals:Business Platinum Rewards MasterCard® issued by Advanta Bank. This card is excellent for transferring existing balance from other credit cards. It also has a great rewards program.CitiBusiness Card® with ThankYou Network® by CitiBank. This card has a very impressive credit limit and a lucrative rewards program. Discover® Business Cashback Card. It comes with a year-ling intro period with 0% APR on purchases and cash back rewards. |
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User Name:
JOSEPH |
Date:56
August 24, 2008, 3:05 pm |
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My daughter just turned 18 and starts college on monday. One of the cards we are looking at asks for the total household income. I assume that means we include my husbands and mine also. Is that correct? What would be the best card for her at this point. She has no credit history yet. |
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Answer:
In most cases when a student applies for a credit card for the first time he/she can include his/her parents' income. To be totally sure you can contact the issuer. Since your daughter has just started college and has no credit history yet she should consider the offers for young adults with limited credit. Capital One is the leading issuer that offers cards for consumers with limited or no credit. No Hassle CashSM Rewards for Young Adults and Standard Platinum for Young Adults are designed especially for young adults. Both of them offer 0% APR on purchases until December, 2008.Another option is Citi® mtvUTM Platinum Select® Visa® Card for College Students. It has 0% APR on purchases for 6 months and a nice rewards program that will allow your daughter to earn reward points for every dollar spent. She will be able to redeem those points for gift certificates, MTV events, and airline tickets. |
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User Name:
Mark |
Date:56
August 24, 2008, 6:47 pm |
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Can i transfer more than one credit card balance at 0% interest for 15 months? |
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Answer:
Before applying for a balance transfer credit card, think of the amount you are going to transfer. It should not exceed the credit limit of your future balance transfer card. When filling out an application for a BT plastic, you are offered to enter at usually 3 - 4 credit card numbers from which you want to transfer balances. For example, if your credit limit on the new card is $10.000 and you are going to transfer balances of $1.000, 2.000 and 3.000 from the three credit cards, you are free to do it, because the total amount to transfer will be 6.000. As you see, it doesn't matter how many cards' balances you are going to transfer. The amount to transfer is what really matters. If you are interested in good credit cards for balance transfer, here are some good options. Before application, please, make sure you are eligible for the credit card you've chosen. Discover More card provides 0% APR for 12 months and the attractive 5% cash back on spendings. The popular Blue Card from AmEX gives you the intro period of 15 months on purchases and the fixed APR of 5.99 % until you balance is paid off! Chase bank Platinum Visa has 0% introductory APR on balance transfers during 12 months and low interest on purchases. |
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User Name:
daisy |
Date:56
August 25, 2008, 9:18 am |
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i was filling out an application to 600 rewards card/ lost the application on line .please help me find that card. |
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Answer:
Unfortunately, we do not have Rewards660 Visa at our site, so we can't help you with finding an application for it. However, being aware that this card is for limited credit and issued on the unsecured basis, we can offer a number of credit cards with similar features which you can apply for at our site. The reason why we recommend these plastics is the great popularity of these cards and really attractive terms of use. Capital One Standard Platinum card has 0% APR during the intro period and 19.5% APR after it. There are also extended warranties and a great savings program. Another credit card by this bank - Capital One Platinum Visa provides 8.65 % variable APR after several months of 0% intro period. This plastic also has a savings program and a number of other benefits untypical of plastics for limited credit.First PREMIER bank is known for its credit cards for limited and bad credit. Consider First PREMIER Gold MasterCard/Visa which provides instant decision, low interest rate of 9.99% and convenient online banking services. Compare these credit cards to the one that you are going to apply for, and see if one of these cards can be more beneficial to you. |
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User Name:
marianne jones |
Date:56
August 25, 2008, 1:35 pm |
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can someone with bad credit apply for a gasoline card? |
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Answer:
Unfortunately, it is not clear how bad your credit score is. We can assume that your credit score is lower than 660 points and you are not eligible for cards for good credit, including most gas cards. If you have limited credit (620-660 FICO points) there is a chance you might be approved for No Hassle PointsSM Rewards issued by Capital One. With this card for people with average credit you get 5 points for every dollar spent at gas stations, drug and grocery stores. However, do not forget that Capital One works with clients that have no negative data on their credit reports such as defaulted accounts, bankruptcy, etc. If you have bad credit you should consider rebuilding it. One of the best options is to apply for First PREMIER credit offers for bad credit such as Centennial Gold MasterCard®/Visa or Centennial MasterCard®/Visa. All your information will be sent to credit bureaus so if you are a responsible card user you will have a chance to improve your credit score and qualify for gas rewards cards. |
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User Name:
Jasmin Days |
Date:56
August 30, 2008, 4:43 pm |
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I owe $3,000 on hospital and doctors bills. Why can't I get a credit card? |
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Answer:
There are might be different reasons why you cannot get a credit card. Most likely, you apply for offers you do not qualify for. Before submitting your application make sure that your credit score is high enough for the deal. Check your credit report to see whether all the information on it is accurate.If you are looking for a $3,000 credit line you need to have at least average credit. If your credit score is between 620-660 FICO points you can count on one of the Capital One credit card offers. Consider applying for Classic Platinum or Platinum cards to pay off your existing debt with lower APR.If your credit history is bad you should not hope to get a big credit limit (having unpaid medical bills could be one of the reasons why your credit score is low). Start improving your credit history by using one of the bad credit offers. You can begin with Centennial Gold MasterCard®/Visa issued by Capital One. Your payment information will be sent to the major credit bureaus and you might be able to restore your credit. |
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