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 ex.: How can I apply for a credit card?
Displaying 410 to 420 (of 560 questions)
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August 26, 2008, 8:16 am
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.
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.

August 27, 2008, 5:38 am
Can i transfer more than one credit card balance at 0% interest for 15 months?

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.

August 27, 2008, 7:40 am
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?

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.

August 28, 2008, 6:03 am
Am i ale to get a no credit credit card no matter what?

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.

September 2, 2008, 1:12 am
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

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.

September 2, 2008, 4:17 am
HOW CAN I GET A GAS CARD BUT MY CREDIT WAS NOT GOOD.?

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.

September 2, 2008, 4:26 am
can someone with bad credit apply for a gasoline card?

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.

September 2, 2008, 4:58 am
Looking for credit card for corporate use that is based only on the corporate credit rating and not on personal credit check.
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.
September 5, 2008, 1:44 am
if you can give me :no annual fee credit cards and low interest,I want them.
There are a variety of plastics with no annual fee and low interest rate. Of course, your choice will basically depend on your credit score, as many issuers present no annual fee credit cards even for limited credit. As for the interest rate, it can be as low as it is possible for your credit score. Since you do not disclose your credit score, we cannot give any certain recommendations. So take a look at the following no annual fee credit card offers. Capital One Standard Platinum MasterCard has no annual fee, 0% intro APR on purchases and a variable ongoing APR of 19.5%. It is a popular and beneficial card for limited credit history.Capital One Platinum card, has, besides zero annual fee, the low 12.9% APR on both purchases and balance transfers and no BT fee. This card, being suitable for good credit history, includes Platinum membership benefits.American Express Blue card is the choice of many consumers with good and excellent credit history. It provides 0% intro APR on purchases, 4.99% on balance transfers and a points rewards program.
September 5, 2008, 1:44 am
I owe $3,000 on hospital and doctors bills. Why can't I get a credit card?
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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