Immediate credit card care service
I received a mastercard in the mail and did not activate. I no longer have the card. Can I get another card or do I have to reapply? I already had one in my name with credit limit available.
If you applied for a MasterCard offer, get approved, received the plastic and then throw it away, you need to call the bank that issued that card. Tell them about your situation. If you want to start using this plastic, they may reissue it (it depends on your financial situation and credit score). Or if you don't want to have this card, you may need to cancel your account.
If your MasterCard was a pre-approved offer, there is nothing to worry about. There is a difference between "pre-approved" and "approved". If you responded, the creditor would access your report before actually decide whether to qualify you or not. Keep in mind that pre-approved offers are designed to catch your attention. For example, when an interest rate is promised to be "as low as" some amount, it is not a guarantee of that APR.
If you want to get a new MasterCard, you can find a wide range of beneficial offers at our site. People with excellent score will like Platinum Prestige card from Capital One®. It has no annual fee, 0% introductory APR on purchases and balance transfers and a low ongoing APR after that.
If you have good credit, consider Citi® Platinum Select® Card® issued by Citibank. It comes with 0% APR on balance transfers and purchases for up to 12 months and no annual fee. You can also take advantage of free online services, including account management, statements, unbilled activity, and faster payments.
Platinum card from Capital One® is a good choice for people with fair credit. It has a zero APR on purchases and a low ongoing interest rate. You can save up to 40% off featured deals and 10% on all other items at the Capital One Saving Zone. Reduce your expenses with Capital One® cards!
Hello,
I have currently a credit card I would like to transfer my balance onto another credit card, one of which charges no annual fee, at least 12 months of 0% interest on transferred balances, and no balance transfer fee. I now have a rate of 8.90 on all purchases and do carry a balance on my card more often than not.
can you help me to find the best balance transfer card. I do have really good credit as well. I know my credit score is above 740.
If you have good to excellent score, you can be eligible for a wide range of great balance transfer offers at our site. However, keep in mind that they are not as beneficial as you hope. Many lenders have changed the terms and features of their credit cards due to unstable financial situation. The days of generous balance transfer offers may be over. Generally, you can find two types of balance transfers cards: offers with zero introductory rates and a balance transfer fee, and offers with 2.99-4.99% APR on balance transfers, but with no balance transfer fee. Decide which cards suit you more.
If you want to have a plastic with a long zero interest rate on balance transfers, pay attention to More® Card from Discover®. If has no annual fee and zero introductory rates on purchases and balance transfers. This card also provides a lucrative cash back program.
HSBC Platinum MasterCard® with Cash Back Rewards offers a 0% introductory APR on purchases and balance transfers for 12 months. Plus, you can take advantage of unlimited 1% cash back rewards on your purchases! The bank will send you an application response in as little as 60 seconds.
If you want to have an offer without a balance transfer fee, than pay attention to Clear from American Express®. It comes with a 3.99% fixed APR on balance transfers for the first 12 months, 0% introductory APR on purchases for up to 12 months, no annual fee and no balance transfer fee.
my credit score is 688 what kind of limit can i expect?
If you have 688 points, it means that your FICO score is good (660-749 points). You can be eligible for top offers available on the market. Their spending limit can vary from $15.000 to $50.000. However, don't expect to get the highest spending limit available for the offer. This decision is made by the lender. He/She evaluates you credit report and decides how creditworthy you are.
If you have good credit, consider More® Card - American Flag from Discover®. This offer provides no annual fee, 0% introductory APR on purchases and balance transfers and a great cash back program.
Citi® Diamond Preferred® Card issued by Citibank has 0% APR on BT and purchases for up to 12 months, no annual fee and a very low ongoing APR. This offer is a real treasure for people who want to minimize their finance charge!
Platinum card from Capital One® offers to save with a zero introductory APR until October 2009 on purchases and balance transfers. Plus, there is no annual fee!
How can I get a credit card when I keep getting turned down for insufficent credit? Even when I apply for no credit cards they turn me down for not having credit.
You can establish your credit with secured credit cards. They may not have as many benefits as regular plastics, buy these offers will help you improve your FICO score and qualify for better cards in future. Remember that no one was born with excellent credit! Every achievement takes a bit of doing, doesn't it?
Secured credit cards are easy to obtain because you compensate for the lender's risk. You need to make a cash collateral deposit to secure your credit limit. In other words, if you deposit $300, your plastic will have a limit of $300.
Keep in mind that secured credit cards work similar to regular plastics. You need to keep making monthly payments on time, which will replenish your credit limit. A positive record of timely payments will help you improve your score!
If you want to choose the most profitable secured plastic, pay attention to the offers at our site. Secured Visa® Credit Card issued by Applied Bank® has a 9.99% low fixed APR. The bank has no income and credit requirements for the applicants.
Secured Visa® Platinum from Bank of America offers a low annual fee and no set up fee! Plus, you can enjoy a competitive APR. It is an excellent card to build your credit!
Black Diamond Visa® from Millennium Bank offers guaranteed approval regardless of your credit history. Having this plastic in your wallet, you can take advantage of $100,000 travel accident insurance and extended warranty protection. A special high introductory savings rate will let you earn some money on your deposit.
why cant i get a credit card
The Equal Credit Opportunity Act gives you the right to know why your application was denied. The lender must send you a notice that tells the specific reasons. If you didn't receive it, you can make a request within sixty days after you have received a rejection letter. Ask the lender to be specific, because vague and indefinite reasons for denial are illegal. Such reasons as "You did not meet our minimum standards," or "You did not get enough points on our credit-scoring system" are unacceptable. The lender may write: "Your income was low," or "You haven't been employed for a long time." Working on your shortcomings is your key to qualifying for credit offers in future.
A credit denial does not mean that you can't get approved for credit cards issued by other banks. The similar plastics may have different criteria of approval. Compare the offers at our site and apply for a credit card that you feel you have the best chances to get. But be critical: if you have bad credit, don't submit an application for excellent cards.
I am trying to find a credit card with 0% APR on purchases and balance transfers, with a 0 balance transfer fee. I have excellent credit, I just want to find a good deal.
Nowadays you can find two types of the balance transfer offers available on the market: cards with a zero APR and a balance transfer fee and cards with 3-10% APR and no balance transfer fee. The reason is simple: financial situation in the country. So decide which offer you would like to get. Cards with a long zero APR are a good choice if you have a large balance. If you plan to pay off your debt within 3-6 months, choose offers with a low APR and no balance transfer fee.
To save your time, we have chosen 3 most interesting offers for excellent credit. Platinum Prestige card from Capital One® has no annual fee and a 0% long introductory interest rate on purchases and balance transfers. Then the interest-free period is over, you will enjoy a competitive variable APR.
HSBC Platinum MasterCard® with Cash Back Rewards issued by HSBC Bank offers no annual fee and a 0% introductory rate on balance transfers and purchases for 12 months. In addition to these profitable features, you can earn 1% cash back rewards on your purchases! Platinum benefits include unlimited purchases protection, rental car insurance and extended warranties.
Clear from American Express® provides a zero introductory APR on purchases and 3.99% fixed APR on balance transfers. This card has no annual fee, no balance transfer fee, no late fee and no overlimit fee. Beneficial cash back rewards program will be a nice bonus!
I need to transfer a credit card that just had a interest rate to almost 30%.
I would like to find out more information regarding costs pertaining to my balance transfer amount to one of these cards. Is there a number I can call to talk to a customer service rep?
Sorry, but we prefer to contact with our customers online. We try to post all necessary and new information about credit card offers at our site. If you want to get additional information or verify some features and terms, just click "Apply Online" button. You will be automatically redirected to the bank's website that issues that card. At their page you will see an application form and all actual terms and conditions of the offer. If you like the card, you can fill out the application. If you don't think that the offer suits your needs, you can just close the window and look for other cards at our site.
Can I apply for a credit card that is not prepaid
We don't have prepaid cards at our site. You can choose a plastic from a wide range of unsecured and secured offers. They have all perks and benefits that people want to have in a credit card! You may find offers with promotional interest rates, reasonable fees, great rewards programs and valuable insurances.
Before you apply for a plastic, check your FICO score. It will make your search faster and easier. The best credit cards require good or excellent credit. So if you are looking for a beneficial low interest credit card with no annual fee, you should have solid credit score. Cards for fair credit will help you strengthen your credit history, while no credit cards - establish it. Secured credit cards are a good choice for people who can't qualify for regular plastics.
Read attentively the terms and conditions of the credit card offer you want to apply for because they can vary according to the credit company.
which credit cards do u think are the best in the united states because i dont want to make a wrong decision.
There isn't a credit offer that applies generally to everyone! The best card for you will depend on your personal spending and payment needs. Some cards are very good for purchases: they come with no annual fee and a beneficial rewards program. Other plastics can be an ideal match for balance transfers because they have 0% long introductory APR on balance transfers.
The second aspect you need to keep in mind is your credit history. Plastics for bad credit can't be as beneficial as cards for a solid score.
We have chosen 3 most interesting credit offers for different types of credit. If you have good or excellent FICO score, pay attention to More® Card - Clear from Discover®. You will enjoy a zero introductory APR on balance transfers and purchases, no annual fee and a great cash back program.
People with average score will like Platinum - Visa card issued by Capital One ®. You will enjoy a zero introductory APR on purchases and a low ongoing interest rate after that. If your card is lost or stolen, you won't lose money: you are protected with $0 fraud liability.
Limited credit? Pay attention to No Hassle PointsSM Rewards card from Capital One ®. It offers a low annual fee and a very attractive rewards program. You can earn five points for a dollar spent at gas stations, major grocery and drug stores. There is no limit to the amount of points you can earn, and your points won't expire for the life of your account!