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User Name:
Betty |
Date:56
October 24, 2008, 1:18 am |
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What is considered a good score to credit card companies? |
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Answer:
Good credit score ranges from 660 to 749 points. Are you in that boat? Credit companies reward smart financial behavior, so you can be eligible for top credit card offers with attractive terms and features! If you want to find the most suitable plastic for good credit, consider the following offers. More® Card from Discover provides no annual fee, a zero introductory rate on purchases and balance transfers and 5% Cashback Bonus®. Just imagine: you can get money that you do not need to pay back! Blue from American Express® is a good choice for people who want to make nearly free purchases. It comes with no annual fee and a low intro APR on purchases for 12 months. Point rewards program will let you fatten your savings. If your score is not high enough to qualify for a good credit card, then pay attention to offers for fair credit. They are designed for people with 620-659 points. Used wisely, fair credit cards will help you improve your score at affordable terms. For example with No Hassle PointsSM Rewards from Capital One, you can take advantage of low interest rates and accumulate point rewards for every dollar you spend. |
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User Name:
tim Mair |
Date:56
October 28, 2008, 7:57 pm |
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i have no, none credit and trying to start build credit what can i do? |
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Answer:
If you have no credit - don't get disappointed. Although most major issuers feel more comfortable dealing with customers with a solid FICO score, there are also banks that provide offers specially designed for people with limited or no credit. They will help you build a credit history that will be become your best recommendation down the road! To save your time, we chose three offers that may suit you. Take a look at limited or no credit cards issued by Capital One. With Capital One® Platinum Visa you can establish credit at a reasonably low cost. It provides a zero introductory rate on purchases and a low variable APR afterwards. Capital One® Orbitz® Visa Platinum can be a good match for people who are looking for substantial travel rewards. Both cards are designed for young adults who have a stable income and at least some small credit score. You are also required to have no missed payments on your credit report. If you do not have a job and payment records, then consider a secured card. For most beginners, it is the only way to establish credit. Look at Black Diamond Visa® from Millennium Bank. It offers guaranteed approval for all applicants! You will have to secure the card with a cash collateral deposit that will determine your spending limit. The deposit will be waived as soon as you build up favorable credit. |
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User Name:
Stephanie |
Date:56
October 30, 2008, 8:44 pm |
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My husband and I are building a house. The township requres we put in a storm water management system. They require we give them $9000 to hold in escrow to ensure that we put the system in. We don't want to tie up $9000 for approximately 6 months so were looiking for an alternative solution. Is there a credit card that would allow me to borrow $9000 at 0% for 6 months? |
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Answer:
The ideal solution for you is to find a credit card with a long 0% introductory rate on purchases. We chose 3 applications that have the appropriate APR and a sufficient credit limit. However, we can't guarantee that your credit limit will be equal to $9,000. This decision is made by lenders. They take into consideration your previous credit usage, income, current employment and many other factors. The better your FICO score, the more beneficial terms and features you will get. People with average or poor rating are eligible only for $100-$5,000 spending limit. Check who has better credit history in your family - you or your spouse. It will help you decide who needs to apply for a credit card. If you have excellent FICO score, then pay attention to Platinum Prestige card from Capital One®. It provides a 0% introductory APR on purchases and no annual fee. Credit limit varies from $500 to $20,000. People with excellent to good score can take advantage of either Blue card from American Express® or More® Card from Discover. Blue card has a 0% APR on purchases for up to 12 months and no annual fee. Beneficial rewards program will let you receive a part of your spending back. You will earn 1 point for every dollar you spent. Points can be redeemed for airline tickets, hotel accomodation, merchandise, and gift certificates. Credit limit is $1,000-$100,000. More® Card comes with a 0% introductory APR on purchases for 6 months and no annual fee. Credit limit is $5,000-$50,000. Plus, you can earn significant cash back rebates - up to 5%. It will help ypu increase your family budget. |
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User Name:
Beth |
Date:56
October 31, 2008, 10:52 am |
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I'm interested in a secured credit card...is the amount that I put into the account the amount of credit I will receive? |
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Answer:
Secured credit cards are an excellent match for people who want to establish, build or rebuild their credit score. They look and work like any other credit cards. The difference is that you need to open and maintain a special savings account which will act as collateral for your credit line. Your spending limit will be equal to your deposit. If you default on payments, the funds in the savings account may be used to eliminate your debt. On our site you can find two secured credit card applications. Black Diamond Visa® from Millennium Bank comes with a special high introductory savings rate and a spending limit of up to $10.000. You will be approved regardless of your credit history! Secured Visa® Credit Card from Applied Bank offers a low fixed APR - it won't change even if you are late! If you want to apply for a regular plastic to repair your score, pay attention to First PREMIER® Bank offers. They are specially designed for people with less than perfect credit. Centennial Gold MasterCard®/Visa from First PREMIER® Bank can be a good choice for you. It comes with a low APR on purchases, so you can use it to buy day-to-day items. |
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User Name:
samantha |
Date:56
November 2, 2008, 1:13 pm |
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what is the best card to get? |
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Answer:
This question is rather difficult to answer. We need to know your credit history and your financial needs. What is good for one person is not necessarily good for another! Some customers are looking for credit repair or juicy rewards programs, others want to transfer their balance and shorten the life of their debt. If you want "all in one" credit card, then pay attention to your credit history. People with low scores can't expect to qualify for the same offers as people with excellent rating! But you can find best offers in every group of cards designed for a particular type of score. Let's have a look at these applications. People with excellent score will definitely like No Hassle MilesSM Rewards card from Capital One®. It has all necessary features that people want to have in a credit card: zero introductory APR on balance transfers and purchases, no annual fee, and a fantastic rewards program. You will earn more miles than regular travel cards offer - 1.25 mile per dollar spent! There is no limit on the number of miles you can earn. Good credit? Consider Citi® Platinum Select® Card® from Citibank. It has 0% interest rates on balance transfers and purchases, a low ongoing APR, and no annual fee. These features will help you significantly reduce your borrowing costs! Plus, you can use free online services, for example account management or automatic payments. It is an excellent option for people who like to do most of their banking from home! If you have fair rating, than your best choice is Platinum card from Capital One®. This offer is as profitable as plastics for consumers with good credit history - it comes with 0% intro APR and low ongoing interest rates! You can also personalize the card with the image of your choice, get exclusive shopping discounts and save up to 40% on featured items. |
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User Name:
Enid |
Date:56
November 2, 2008, 1:15 pm |
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have bad credit is there hopw |
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Answer:
Even if you have bad credit, you can still qualify for a credit card. Pay attention to First PREMIER® offers. The bank specializes in providing credit products to people with less than perfect credit. The process of application is fast and easy. Just compare the offers, choose the card you like most and submit the application online. You will receive a bank response within 60 seconds! We recommend you Gold MasterCard®/Visa or Centennial Gold MasterCard®/Visa from First PREMIER® Bank. They have a low APR on purchases and a 25-day grace period. You can avoid interest charges on current purchases by paying the balance in full before the due date. People with bad credit can also apply for a secured credit card. It requires a cash collateral deposit for an approval. Consider Black Diamond Visa® from Millennium Bank. It offers a special high introductory savings rate and emergency cash transfers. You will be approved regardless of your credit history! |
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User Name:
smg |
Date:56
November 2, 2008, 3:31 pm |
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What card that has the lowest (or no) interest on cash advances with a 0% apr for the most amount of time. We are very strong on the asset column and our credit is excellent. In need of some immediate liquidity. |
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Answer:
The expenses associated with cash advance option are very high. You need to pay cash advance fee (about 3%) and APR. Most lenders impose much higher interest rates on cash advances than they do on regular purchases. Just compare: a very beneficial Platinum Prestige card from Capital One® offers 8,9% ongoing APR on balance transfers and purchases and 22.9% APR on cash advances! If you are looking for more beneficial terms on cash advances, apply for Virgin Atlantic American Express® card - White from Bank of America. It offers a 0% introductory APR for the first 6 billing cycles on cash advance checks, purchases and balance transfers. In addition, you can benefit from no annual fee and excellent frequent flyer rewards! Clear from American Express® is a good choice for people who want to avoid cash advance fees. This offer can be considered as "no fee card" because it also has no annual fee, no late fee, no overlimit fee and no balance transfer fee. Beneficial cash back rewards program will let you earn some extra money. Save as much as possible with Clear card! |
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User Name:
John |
Date:56
November 3, 2008, 11:33 am |
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We have now started paying our Chap 13 BK. Are the only CCs we can get are the First Prem and Centennial? We did not want to file this of course, but had no choice. We have always paid everything ontime. |
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Answer:
Bankruptcy can knock your credit score down into the lowest rankings. Potential lenders will consider you as a high risk. Fortunately, this effect doesn't last forever. If you take measures to improve your credit rating, you can qualify for low rate cards down the road. Credit repair starts with applying for an appropriate offer. Consider a secured credit card, for example Black Diamond Visa® from Millennium Bank or Secured Visa® Credit Card from Applied Bank. You will be approved even if you have the lowest ranking! Both offers require a cash collateral deposit that will become your credit line for that account. If you want to have a regular plastic, than you need to give the second chance to First PREMIER applications. The bank specializes in offering credit products to people with less than perfect score. Besides Centennial, it has many other credit cards with competitive rates and fees. Look at Gold MasterCard®/Visa - it offers a low APR on purchases and instant response! Nothing in the finance industry lasts forever. Under Federal laws, bankruptcy can legally remain on your credit report for up to 10 years. You can repair your damaged score by making timely payments and using only a small part of your available credit line. |
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User Name:
tracy sanders |
Date:56
November 3, 2008, 3:18 pm |
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I want a credit card with my uncle as co-applicant / or co-signer which credit card is best for this |
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Answer:
Your uncle needs to have good or excellent credit to become your co-signer. It works this way: your uncle applies online for a suitable credit card and gets approved. Then he contacts the bank and says that he would like to add you to his account. He must tell the bank your Social Security Number. You and your uncle will share the same account, but you will have two different credit cards with different numbers. On our site you can find various credit offers for people with good to excellent credit. Your uncle can apply for Blue Cash® card from American Express. It has a 0% intro APR on purchases and no annual fee. You can earn up to 5% cash back on everyday purchases - even gasoline! Another option is More® Card from Discover®. If provides no annual fee and zero introductory rates on purchases and balance transfers. Plus, this card has a lucrative cash back program. Citi® Platinum Select® Card® issued by Citibank is designed for people with good credit. You will enjoy a 0% APR on balance transfers and purchases and no annual fee. Free online services will help you manage your account online. |
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User Name:
DawnRogers |
Date:56
November 3, 2008, 8:25 pm |
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I don't have good credit, but i'm rying to find a credit card with low to zero interest to tranfer balances. Any ideas will help. I can make the payments but it tight but I figure it will be a start to lower my monthly payments.
Thank you,
Maureen Miccio |
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Answer:
The answer on this question depends on your credit score. If it ranges from 620 to 659 points, than you can take advantage of fair credit cards. They do not provide as many perks and benefits as offers for good or excellent score, but they can have rewards programs, reasonable fees and moderate interest rates. The features and terms of fair credit cards can vary depending on the issuer. If you want to lower your monthly payments, look at Capital One® offers. The best choice for your situation is Platinum or Platinum Visa credit cards. They provide a low 8.9% APR on balance transfers and a 0% introductory APR on purchases. If your FICO score is under 629, then you are eligible for credit cards for bad score. Unfortunately, they don't offer balance transfers. You need to improve your rating to qualify for cards with the required features. Such offers as Gold MasterCard®/Visa First PREMIER® Bank will help you rebuild your credit score at affordable terms. The bank monthly reports your payments to the major credit bureaus. It gives you an excellent opportunity to prove that you are a reliable customer! |
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