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User Name:
Lacey |
Date:56
November 13, 2008, 1:54 pm |
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I have bad credit but want to rebuild. Is there a department store out there that is not that picky? |
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Answer:
You see, banks or credit card companies are to be picky as they risk when lending money to borrowers with bad credit. Therefore they create special measures against a risk of debt repayment, including rather high fees and rates. They consider your application taking into account your income, previous credit experience, assets, duration of your employment, debt to income ratio and other factors. So you can hardly find a bank or company that has no strict requirements to customers with bad credit. We offer you to consider secured credit cards as they usually offer guaranteed approval and give a good chance to reestablish your credit history. To get approved for a secured card, you have to open a bank account and put some money ($300-500) as a deposit. In case you don't pay off your credit, a bank may charge a necessary sum of money deposited to repay your debt. This is the only difference between secured and unsecured credit deals. So you have all chances to be approved applying for Millennium Bank Black Diamond Visa card or Applied Bank Secured Visa Credit Card collected on the site. Being Visa branded cards, they are acceptable worldwide. It means that wherever you go, you can take your card with you and enjoy high-end service. Moreover, they report to major credit bureaus giving you an opportunity to prove that you are a reliable customer. One more variant for bad credit history is unsecured Total Visa from Plains Commerce Bank, which offers instant decision, outstanding customer service and reports to major credit bureaus monthly. Whichever card you choose, use it properly to rebuild your bad credit history. As soon as you prove your trustworthiness, you may qualify for better credit offers coming with more options and better features. |
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User Name:
andre |
Date:56
November 13, 2008, 4:36 pm |
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I have no credit history, what card should I apply for? |
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Answer:
You can find a suitable offer even if you are a beginner in the credit card world. Capital One Bank provides applications for people with limited or no credit history. However, you need to have a stable income and at least some minimal score to qualify. Pay attention to Platinum - Visa card from Capital One®. It features a zero APR on purchases and a low ongoing interest rate. Plus, you can save up to 40% on featured deals at the Capital One Saving Zone.If you are a student, you can choose an offer from a broad array of student credit cards. Consider Citi® mtvUTM Platinum Select® Visa® Card for College Students from Citibank. It comes with no annual fee, 0% introductory rates and a fantastic rewards program matching young people's needs, interests and lifestyle. You will earn 5 points for every dollar you spend at restaurants, record stores, bookstores, movie theaters and video rentals stores. The points can be redeemed for gift cards, MTV events, and airline tickets.If you are not a student and don't have a job, you can start up with a secured credit card, for example Secured Visa® Credit Card issued by Applied Bank®. It has no credit and income requirements because you compensate for high risk by making cash collateral deposit. The lender reports to the major credit bureaus, so you will be able to establish and build your credit. |
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User Name:
Somone Mccolllough |
Date:56
November 14, 2008, 3:09 pm |
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where can i get a no credit ... credit card? |
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Answer:
Although most major issuers feel more comfortable dealing with customers with a solid FICO score, there are also banks that provide applications for people with limited or no credit. These plastics are designed on unsecured basis. They may come with reasonable fees and interest rates as opposed to bad deals. That will make the process of building credit easier! And hopefully by starting with such a plastic you can develop good money management habits that will ensure your successful financial future!Look at Platinum - Visa card issued by Capital One®. This offer comes with a zero introductory APR on purchases and a low ongoing interest rate afterwards. However, you need to have a job and some minimal score to qualify.If you are a student, you can apply for Citi® Dividend Platinum Select® Card for College Students from Citibank. This card features no annual fee, cash back rewards program and low interest rates. You'll also enjoy free online account management and bill payment service.If you don't have a job and you are not a student, you can select a secured credit card. For many beginners it is the only way to establish credit history. Consider Secured Visa® Credit Card from Applied Bank®. You will need to open a savings account and make a deposit that will become your credit line. |
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User Name:
rick v |
Date:56
November 14, 2008, 4:07 pm |
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i have a tatget card and a sears card , citi bank is the sponsor of the sears,ihave made all pament om time , the target bank card has a 2999 bal the sears only 200. also ihave made all mortguage pmt on time. wich card is best for bal transfer an is there a fee? |
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Answer:
Moving a balance from a high-interest credit card to a less-costly plastic is a good decision for people who want to pay off their debt sooner. Why spend hundreds of dollars on interest payments when you can use your money more efficiently? You can even consolidate your two debts on one plastic. It will simplify your money management - you will have only one monthly payment rather than several ones to worry about. The best balance transfer credit cards are designed for people with good to excellent credit score. Look at More® Card from Discover®. It offers a zero introductory rate on balance transfers, no annual fee and cash back rewards. But keep in mind that you need to pay a balance transfer fee. It is 3% - less than $100 if you transfer both balances. Clear card from American Express® has no balance transfer fee, no annual fee, no cash advance fee, no late fee and no overlimit fee. It features a low fixed APR on balance transfers and a cash back program. If you have average score, than your perfect choice is Platinum card from Capital One®. Contrary to most other offers, this card has a profitable low interest rate. |
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User Name:
Mary |
Date:56
November 15, 2008, 2:39 pm |
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I'm not sure what my credit score is...I haven't had credit in my name in years |
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Answer:
If you don't know your credit score, there are several ways to find it out. You can request your credit report from the three major credit bureaus - Equifax, Experian and TransUnion. By law, they must give you access to your credit report once a year at no charge. Plus, there are numerous small agencies that provide the same service for a fee. When you get a copy of your credit report, make sure that you truly have no score. You can find that because of a cell phone account or a car loan, you actually do have some entries in your credit file. It maybe just a couple of payments, but it is better than nothing. The next step is to apply for an appropriate credit card. You can't live on a cash-only basis if you want to build a solid FICO score! You need to show a borrowing and payment activity in order to get your report updated. If you have 0-349 points, it means that you have limited or no credit history. The lack of financial experience is always associated with higher borrowing costs. But don't give up. On our site you can find offers that will help you improve your credit score at affordable terms! Consider applying for Platinum - Visa card from Capital One®. It offers low interest rates and exclusive shopping discounts. But keep in mind that you need to have a stable income and some FICO points to qualify for this card. If you do not have any payment records, then you can apply for a secured card. You will be approved regardless of your income and score! Pay attention to Secured Visa® credit card from Applied Bank®. It comes with an extendable spending limit and a low fixed interest rate on purchases! You will have to secure the card with a cash collateral deposit that will be equal to your spending limit. People with 350-619 points are eligible for bad credit offers. Look at MasterCard®/Visa from First PREMIER® Bank. There is no need to worry whether your application is approved or not - you will receive a response in 60 Seconds! The bank monthly reports to 4 major credit bureaus. It will help you build a solid credit score if you use your plastic wisely. |
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User Name:
sharon nelson |
Date:56
November 16, 2008, 8:52 am |
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what is the better deal? Transfer a balance of $9,000. to a credit card with 0% interest for 12 months with a fee of 3% or to a credit card with no fee and 2.99% APR and paid off in 12 months? Thank you. |
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Answer:
Both cards that you mentioned are equally good. In the first case you will need to pay a $270 balance transfer fee and a zero APR. In the second case you will need to pay a $269.1 APR for a year and no balance transfer fee. This tiny difference (less than $1) isn't worth to pay attention to. If you want to make a more thorough comparison, take into consideration other credit card features. Some people are so impressed by a low APR that they don't notice an annual fee or a high interest rate on purchases. If there are any additional charges, it is important to find out what they're for, whether you need them and how much you would have to pay. Look for offers that provide no annual fee. It will help you save up to $100 a year! If you have excellent or good credit, you will find them without any problems. Consider Platinum Visa® from Chase Bank or Platinum Prestige card from Capital One®. They come with a 0% introductory APR on balance transfers and no annual fee. If you are planning to make purchases with your new plastic, compare interest rates on purchases and rewards programs. If you have debt, it doesn't mean that you have to double it! For example, More® Card - Clear from Discover®, designed for excellent or good score, offers a 0% introductory rate on purchases and balance transfers, 5% Cashback Bonus and a $20 Discover gift card. This card will be a real treasure for your wallet! |
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User Name:
Betsy Taub |
Date:56
November 17, 2008, 11:04 am |
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I have several credit cards that the interest rate has been increased. I dont have any late payments on my record and my credit score is around 650. I need to consolidate these cards to one account. What options do I have. My income is arnd $100,000 a year. Who has the best rates? offers? |
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Answer:
If you have 650 points, it means that your FICO score is fair (620-659). You are eligible for credit cards for average credit. These offers have rewards programs and moderate interest rates.The best choice for people with fair credit is Capital One® offers. Founded in the late 1980s, the bank has won numerous awards for innovations and proved to be one of the most reliable US companies.Consider applying for Platinum or Platinum Visa credit cards from Capital One®. They come with a low 8.9% APR on balance transfers and no balance transfer fee. A zero introductory APR on purchases will be a nice bonus! Classic Platinum card from Capital One® has a higher rate on balance transfers, but it offers a low annual fee. It lets you save money on yearly maintenance of your plastic. |
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User Name:
joyce taylor |
Date:56
November 18, 2008, 6:03 pm |
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I am a victim of stolen idenity when I was a child. I am currently working a full time and part time job. I am now at a point where I need to establish credit i need help. |
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Answer:
First of all, you need to get a copy of your credit report and find out your FICO score. You have the right to get free copies of your credit report at each of the three nationwide agencies - TransUnion, Experian and Equifax - once a year. Review all information on your file. If you find inaccuracies or outdated information, ask the credit bureau to correct them. Your FICO score is calculated based on your credit report, so it is vitally important to keep it correct.Your credit card choice depends on your FICO score. If you have less than 350 points, it means that you have limited or no credit. Take advantage of Capital One offers designed for people with limited or no credit history! Platinum - Visa from Capital One will make you glad with a very attractive interest rate. You will enjoy a zero APR on purchases and a low ongoing interest rate. Annual fee is $39. Standard Platinum card issued by Capital One comes with no annual fee. It also features an introductory 0% APR on purchases. If your plastic is lost, you will have no liability for unauthorized charges. Another way to establish credit is to apply for a secured card. This kind of credit cards requires cash collateral deposit that will be equal to your spending limit. The main advantage of secured cards is that they require no credit check and regularly report your payments to the nationwide agencies. Consider Secured Visa® Platinum from bank of America - it has a low annual fee and a moderate APR. |
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User Name:
Tina Rust |
Date:56
November 19, 2008, 12:50 pm |
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Over the last year or so we fell far behind on our credit card payments because my husband had been out of work due to illness. Recently, we negotiated with our credit card companies to put our accounts "on hold" so that we could begin to pay back the balance with little or no interest charges. As a result, we currently have no active credit cards. I suspect that our credit is now considered "bad" but am not able to get a credit report to see our score because I don't have an active credit card number to submit to receive the report. So, how can I find out what my score is? And if it is bad, I would like to consider getting an unsecured card that we can begin using very minimally to begin reestablishing our good credit. Thank you, Tina |
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By law, you can request your credit report from the three major credit bureaus - Experian, Equifax, and TransUnion once a year at no charge. So contact the credit bureaus and ask them to provide the necessary financial information. Or you can take advantage of a free trial credit monitoring service and get access your credit report for up to 30 days. If you have bad credit, you can apply for offers from Orchard bank. Consider Orchard Bank Classic MasterCard®. It comes with a competitive interest rate. You can also get a zero introductory APR if you qualify. The annual fee is $49. Orchard Bank Low APR MasterCards are famous for their low interest rate. It varies from 7.9% to 8.9%. Actually, this offer includes four cards: Platinum, Gold, Classic, or Secured. You will know what card you can get after submitting your application. Household Bank® Low APR MasterCards from HSBS has nearly the same features. You can enjoy a low APR and email or text message alerts that will remind you of your available balance and payment due date. The offer includes 4 variants: 3 Platinum cards, and a Secured card. When you fill out your application, the issuer will evaluate your financial situation and specify which offer you can get. |
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User Name:
SEBASTIAN TABARSI |
Date:56
November 20, 2008, 10:06 am |
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I HAVE JUST ABOUT MOST OF THE CARDS MENTIONED HERE. I HAVE ABOUT 16 CARDS WIITH A DEBBT OF AROUDN 22k. I DO NOT WANT TO NEGOTIATEE THE DEBT. I WANT TO PAY IT ALL BACK. BUT I LIKE TO KNOW HOW I CAN CONSOLIDATE WHICH COMPANY PERHAPS WOULD DO IT WIITHOUT RUINING MY CREIDT..I AM NOT BEHIND ON MY PAYMENTS. I PAY ABOUT 2900 A MONTH AND WOULD LIKE TO BRING IT DOWN TO A THOUSAND DOLLARS A MONTH - OF PAYMENT. PLEASE HELPL |
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Answer:
Start with checking your FICO score. In order to qualify for a balance transfer credit card with a high spending limit and a zero APR, you need to have a good or excellent FICO score. Otherwise, banks may offer you less beneficial terms and conditions. If you have a debt of $22,000 distributed on several plastics, it is very unlikely that you can transfer the whole amount onto a single credit card. Many banks allow moving only a portion of such a balance, for example $5.000-$15.000. Then, keep in mind that it is typically impossible to move your debt on the plastics issued by the same bank. So, if you have a debt on, for example, American Express card, then you can't move it on another American Express plastic. But you can transfer it on the offers from Capital One or Discover. Taking into consideration all these points, we offer you the following solution. Start with moving a part of your debt. Take 2-5 cards with the highest APR (the number depends on their balances) and transfer that debt to a new less-costly plastic issued by another bank. When you pay off that balance, you can repeat the process with other cards. In order to help you with the choice, we offer you 3 most attractive balance transfer credit cards designed for good to excellent credit: More® Card from Discover® has no annual fee and a 0% introductory APR on purchases and balance transfers. If you decide to make purchases with this plastic, you will earn cash back rebates - up to 5%. Blue from American Express® provides no annual fee and a 0% APR on purchases for up to 12 months. The card has a fixed introductory APR on balance transfers - 2.99%, but you can save on a capped balance transfer fee. Its maximum amount is $99. HSBC Platinum MasterCard® with Cash Back Rewards offers a 0% introductory rate on purchases and balance transfers for 12 months. You will also enjoy no annual fee, cash back rewards and instant decision option. |
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