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User Name:
Bruce Preble |
Date:
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:
Lori |
Date:
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 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:
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:
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:
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:
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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User Name:
george milleew |
Date:
September 1, 2008, 3:35 pm |
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if you can give me :no annual fee credit cards and low interest,I want them. |
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Answer:
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. |
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User Name:
Nancy Waldron |
Date:
September 1, 2008, 9:31 pm |
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Are there any cards that will allow me to make a purchase on the Internet immediately? |
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Answer:
Yes, there are a number of instant approval credit card offers online that, if you qualify, would provide you with a temporary card number for making online purchases immediately. To qualify, you need to comply with the issuer's requirements perfectly well. You are required to have good or excellent credit history to be accepted for Blue from American Express®, an instant approval card with no annual fee, low interest rates and point rewards. The other eligibility requirements include: good and stable income, long payment history, low debt-to-credit ratio and some other. Carefully read the card's terms and conditions before you apply.Similarly, More® Card - Clear is also designed for good-to-excellent credit applicants and may grant instant approval if your credit report data qualifies. There should be no bad payments or any inaccuracies in your credit file, so that the issuer can quickly decide whether to issue you credit or not.If your credit is less than good and needs improvement, you can hardly get credit instantly, but you can count on the bank's instant response. If the response is positive, you'll soon get your card and will be able to spend on it. Consider applying for Centennial Gold MasterCard®/Visa.Remember, that instant approval and instant decision may not mean you can use the card number immediately. It's a rare practice today. But, if you are the right applicant, the process can be faster which means you get the card sooner. |
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User Name:
becky |
Date:
September 2, 2008, 10:59 pm |
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i want to fix my credit. i need a unsecurd credit that doesn't have so many fees to taken out before i receive the card. thank you becky phillips beclar11@aol.com |
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Answer:
The choice of the right credit card is of prior importance if you want to rebuild your credit. Also, it is important to apply for a credit card you are most likely to get. If your credit is really bad, the most likely option for you is secured credit card. Many people dislike this kind of a card because it requires a security deposit to be installed before the bank issues a credit line to you. however, this type of plastic prevents you from getting a denial. If you are eager to get an unsecured credit card, you should be ready to higher than usual interest rates and low credit limit. However, in case you show reliable credit behavior, the bank can cut your interest and increase the credit limit, so it will be necessary to pay on time and in full. Take a look at the following options for you case. First PREMIER Centennial Gold MasterCard/Visa provides low APR on purchases, regular $50 credit limit increases and a number of additional services, including 24/7 account access. Actually, this lender presents quite a range of plastics for bad credit history. For example, you can compare this card to another one - First PREMIER MasterCard/Visa that also has quite a low APR on purchases, quick credit decision and the same additional services. However, if you fear a denial, you can apply for a secured credit card like Applied bank Secured Visa which provides a low fixed interest rate independent of your payment style. You can also choose quite a high credit limit. |
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User Name:
JENNIFER |
Date:
September 3, 2008, 4:23 pm |
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What is the lowest credit score you can have to receive a credit card? |
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Answer:
Actually, it depends on the type of a credit card you are going to receive. A secured credit card does not require any credit score to be exposed, it is usually called "no credit check". So, if you are planning to get a secured credit card, you can have no credit score and you will be approved for one. Poor credit history starts with the score of 350 and with this score you can be eligible for an unsecured credit card for poor credit. be ready to rather high interest rates and low credit limit, which however, will get better after you show a reliable credit behavior. As a matter of fact, banks usually do not indicate the certain credit scores required for this or that credit card, so each application is considered individually. Here are some credit cards for limited and no credit history. Applied bank Visa is a great secured plastic for establishing credit. It provides quite loyal terms for those who are late with payments and has quite moderate interest rate and fees. Another secured credit card to consider is Black Diamond Visa by Millenium bank. It is widely accepted and has the convenience of the same interest rate for purchases and cash advances. As for unsecured credit cards, there are quite a number of them to choose among. Look for example at Capital One Platinum Visa which has quite low interest rate and fees while it provides savings for certain purchases, which is not a usual thing for bad credit cards! |
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