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User Name: rachel hayne |
Date: September 5, 2008, 8:47 pm |
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we have a master card, can you tell me a good credit card that will add up airline miles and or cash back by using the card? also could i also use the card for grocerys etc. to add up points?\thanks |
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Answer:
If you want to earn rewards on groceries and other everyday purchases, then its best to apply for a cash back credit card. Basically, best cash back offers are meant for good/excellent credit customers, so check your credit report before you apply online. Discover® Open Road® Card offers double cash back bonus on grocery store purchases and 1% cash back on all other purchases. No annual fee and 0% intro APR on purchases apply. 2% cash back on groceries and 1% back on other purchases is also offered by No Hassle CashSM Rewards from Capital One. Cash rewards don't expire and there's no amount limit on them. The card has no annual fee and low rate on purchases. If you prefer miles rewards, and your purchases are not necessarily travel-related, consider applying for Capital One No Hassle MilesSM Rewards . You'll accumulate miles on each dollar spent on eligible purchases, with no expiration and limitations. Lowest APR on purchases and balance transfers apply with this offer. Make sure your credit rating complies with the requirements and apply for a credit card online. |
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User Name: Nicolas |
Date: September 11, 2008, 12:21 pm |
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No credit history, how to get a credit card? |
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Answer:
if you have no credit history, of course, you can obtain a credit card, but you will have to be careful when making an application. Your aim now is to get approved, that is why you should search for a plastic you are eligible for. In many cases people apply for a secured credit card in order to prevent denial. However, before choosing a plastic, you should analyze your credit history and needs, as every applicant has a unique situation. As for credit card offers for no credit, they are not many and you should be ready to pay fees and interest rates that are higher than those of a regular credit card. here are some options for estimation. Capital One Standard Platinum card has 0% for a number of months of introductory period. besides, unlike most plastics for limited credit, this card provides a savings program! You can compare this credit card to another product of Capital One - Classic Platinum MasterCard which also has a variable interest rate and zero interest intro period. Besides, htis card provides no balance transfer fee which can also be useful for many consumers. Savings program is also attached to this credit card. In case you want to avoid denial or have some problems with credit in the past, you can consider Millenium bank Gold MasterCard which is issued on a secured basis and has guaranteed approval. the card is also remarkable for being widely accepted and providing travel insurance. |
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User Name: Laverne Stegall |
Date: September 11, 2008, 2:02 pm |
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Since I am a student and need additional monies for books, housing, laptop, what would be the highest credit limit for me? |
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Answer:
There are a number fo student credit card offers issued by different banks. All of them are designed to meet students' basic needs and are issued after the bank looks throught he applicant's credit history. Student credit cards by different banks have various features, so you can see plastics with points rewards, no annual fee or beneficial balance transfer terms. However, it is impossible to say what your credit limit is going to be, because this feature depends on many factors. The bank estimates your income, your credit score and experience with other credit cards, after which you will be informed of your credit limit. Thus, a student credit card can provide as low as $500 credit limit or as high as $3000 - 5000 credit limit. Some banks also provide tools to help you estimate how much you are going to get with a credit card. Pay attention to the following student plastics. Capital One No Hassle Cash Rewards for Young Adults is OK for limited credit. It has rather low variable APR and a bunch of rewards including cash back and a yearly bonus of 40%. Citi mtvU Platinum Select Visa for College Students provides 0% intro APR, generous points rewards program and a numbe rof special rewards related to entertaiment. Discover Student Tropical Beach card also has zero interest intro period, low ongoing APR and cash back rewards of 1% - 5% on different categories of purchases, some of which can be chosen 4 times a year. |
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User Name: ashley |
Date: September 11, 2008, 4:18 pm |
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i applied for a no credit credit card and dont understand why i didnt get it, if its specifically for those who do not have a credit history. |
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Answer:
Unfortunately, it is impossible to give a definite answer to this, since every bank practice their own way to evaluate the applicant's eligibility. And there can be some information in your credit report that does not meet the bank's requirements to eligibility. We strongly recommend you to try to find out the reasons for denial by contacting the bank. it will help you in future when you try to make another credit card application. The only way we can help you now is giving a list of the most popular credit cards for no credit. Capital One Platinum Visa provides the attractive 0% APR on purchases which is followed by a competitively low variable APR. Besides, the card includes an exclusive savings program which helps you to save considerable on certain purchases. Another mentionable credit card by Capital One is Capital One Standard Platinum which also provides 0% intro APR, but the ongoing APR is higher. A range of savings is also included in the offer. people who have difficulties in getting credit due to such things as bad credit, often turn to secured credit cards. An alternative to secured cards can be a plastic by First PREMIER bank, for example, Centennial MasterCard/Visa which has a low interest rate and a range of additional services including online account management. |
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User Name: Barbara Soroka |
Date: September 13, 2008, 12:53 pm |
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Is there a card that does not have so many fees that you owe $250 before you even start? I realize there must be some fees to operate but alot of them are sooooo high on everything. Start up, annual, transaction etc, Can you halep me? |
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Answer:
The amount and number of fees depend on the type of credit you have. if you have limited or no credit, the bank considers you to be a high risk, so you have to pay higher rates and fees. Most credit card for limited credit have such charges as setup fee and annual fee in addition to rather high interest rate. However, later on, as you show payment accuracy and wise credit card usage, some fees can be lowered or cut off. As for transaction fee, they can vary with different issuer, so you can make a little investigation to find the best option. Since you do not specify your credit score and needs, we can introduce a number of credit cards with minimum charges. If you have limited credit, you can consider Capital One Classic Platinum card which has no setup fee, a low annual fee and rather competitive interest rate. This card also includes a savings program which makes it rather attractive for consumers with credit to be improved. Another popular plastic of this type is Capital One Platinum Visa which also has a variable low interest rate and quite moderate fees. People who have positive credit history can apply for American Express Blue card which provides no annual fee, the latter being a rare thing for good credit cards. This plastic also hs a low interest rate on alance transfers and an alluring points rewards program. |
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User Name: jay |
Date: September 16, 2008, 5:35 pm |
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looking for credit card other than first premier for not so good credit |
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Answer:
If you are interested in unsecured credit cards and want to improve your credit score, you can consider a number of plastics by such leaders as Capital One and Orchard bank. Just compare the features of the plastics and make sure you are eligible for the chosen option befire sending your application. Capital One Platinum Visa has variable APR which is rather low and during the first months of card usage you are going to enjoy 0% intro APR. Another credit card to look at is Capital One Classic Platinum which also has a competitive variable APR and intro period of zero interest. Both the plastics provide a savings program for certain purchases. You can compare the plastics by Capital One with the product by Orchard bank - Classic MasterCard. It provides 0% intro period and quite moderate fees. This card also has convenient set of additional services: payments reminders, access to your account etc. |
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User Name: Audra |
Date: September 19, 2008, 4:01 pm |
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I'm afraid we've dug ourselves into a hole and it's turned into quicksand. How can I consolidate to a very low interest rate card that is fixed at hopefully below 5% |
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Answer:
Before applying for a balance transfer credit card, one should know his credit score for sure in order to avoid denial. if you have good or excellent credit history, there are a lot of options for you to choose among. With a fair credit, you can still find an option for transferring your balances, among products of Capital One bank. Remember, people with bad credit can hardly find a credit card for balance transfers, because this service requires a high credit score. As for the interest rates, they depend on the credit offer and the applicant's credit rating. if you are searching for a BT card with less than 5% interest rate, you should make sure your credit is good or excellent. As your credit score is not indicated, we introduce balance transfer credit cards for good and fair credit. Choose the one that fits you best. Consumers with fair credit can transfer their balances with Capital One Classic Platinum card. It provides no balance transfer fee and low interest on BT, without introductory period. However, there is 0% interest period for purchases and savings program applicable at Yahoo! Shopping. Peole with good credti can estimate Blue from American Express which has only 4,99% on balance transfer until it is paid off, 0% intro period on purchases. generous points rewards program anda number of additional services. Another BT plastic for high credit score is Discover More card which has 0% intro interest rate on balance transfers and purchases, cash back rewards program and no annual fee. |
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User Name: angelia shinn |
Date: September 20, 2008, 4:09 pm |
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what will work for me i belive i have fair credit and i need something i can use lets say by tuesday |
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Answer:
If you checked up your credit report and your credit score is fair, you can make an application for a credit card from the corresponding section of our site. However, it is impossible to say the exact day when you will be able to use your credit card. After you send your application, it will tak some time for the bank to consider it and make a decision. Not every bank provides instant response, so you will have to wait. After that, if you are approved the bank will send the credit card to you, which also is going to take some time. There banks that provide urgent delivery or can give you the number of your credit card so that you can use it for online purchases, For these special features, please, read the terms and conditions of the card. You can compare plastics by Capital One bank for fair credit history. Capital One Standard Platinum card provides no annual and setup fee, 0% APR during the introductory period, variable ongoing interest rate and up to 40% saving at Yahoo! Shopping. Capital One No Hassle Points Rewards is a unique credit card that provides a points rewards program, zero interest for intro period and variable ongoing APR. itis one of the few credit card for fair credit score that include a rewards program. Another plastic to look at is Capital One Classic Platinum. It has no fees for balance transfers, 0 APR for promotional period and a low ongoing APR, which is also a variable one. |
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User Name: JACKIE |
Date: September 22, 2008, 2:52 pm |
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HOW CAN I GET A CREDIT CARD WITH NO TO LITTLE CREDIT THAT DOES NOT HAVE HIGH APR. WITH A CREDIT LINE UP TO AT LEAST $3'000 |
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Answer:
There are some low APR offers for little credit online, but they have some strict eligibility requirements. You should be a young adult with a stable job and a valid FICO at one of the major bureaus, or you should be a college student. If any of the statements are about you, consider the following cards:Capital One Platinum-Visa has currently a very low APR on purchases - 8.9%. It offers a mild annual fee and a credit line up to $3,000. Capital One Classic Platinum has a bit higher APR but its annual fee is considerably lower. The same limit is available on this offer. Both cards have 0% intro APR on purchases until February, 2009. If you are a college student with limited credit, apply for No Hassle CashSM Rewards for Young Adults , also from Capital One Bank. A relatively low interest rate is combined with a generous cash back rewards program. You will also get $3 000 credit limit if you qualify. Compare the cards online and choose a most appropriate one. Then apply online. |
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User Name: Barnadette Robinson |
Date: September 25, 2008, 3:29 am |
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Would I be able to qualify for an american express card with bad or limited credit? |
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Answer:
Unfortunately, American Express bank does not issue plastics for people with limited credit. This bank offers credit cards with beneficial terms and attractive rewards programs for students, business owners and consumers. However, there are a number of other credit issuing companies which provide credit cards for credit that needs improvement. Such banks as Capital One, First PREMIER, Orchard and some others issue plastics to enable consumers build their credit and enjoy the advantages of a credit card for purchases. If you know your credit score and your needs, it will be rather easy for you to find a card. You can consider the following options. Capital One Classic Platinum card have a number of attractive features: 0% intro APR on purchases for a few months, beneficial balance transfer with no fees attached, low variable ongoing interest and rewards. The rewards program includes savings on some purchases at Yahoo! Shopping. Another plastic to be evaluated is First PREMIER Centennial Gold MasterCard. It has rather low APR on purchases, regular credit limit increase provided that you are accurate with your payments. besides, you will have 24/7 account access and a number of other additional services. If your credit is damaged and or your credit score is very low, you can choose a secured credit card to prevent denials. One of the most popular secured credit cards is Applied bank Secured Visa which gives you a good credit limit, low fixed APR on purchases and wide acceptance. |
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