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User Name:
Jack Tuso |
Date:56
December 11, 2008, 10:27 am |
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How can I lower the interest rate on my credit cards? |
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Answer:
There are several ways to reduce high interest rates. First method is to call your bank and ask for a lower APR. Keep in mind that credit companies are commercial organizations, not charity ones. You need to have a good reason to make them lower their profit. You can say that you have received a better offer from another bank or that your FICO score has significantly improved. The other way to obtain lower interest rates is to apply for a balance transfer credit card. It allows you to move your debt onto a less costly plastic. Thus you can pay off your debt sooner. We offer you several balance transfer credit cards to choose from. More® Card from Discover® is designed for customers with excellent or good credit. It has no annual fee and a 0% introductory APR on purchases and balance transfers. Plus, you can get 5% cash rebates in categories like travel, home improvement stores, gasoline, groceries, restaurants, movies and many more. Blue from American Express® is targeted at people with a solid FICO score. It has no annual fee. The ongoing interest rate on balance transfers is 2.99%. You can also save with a balance transfer fee - its maximum amount is $99. In addition to these benefits, you can take advantage of a great cash back rewards program. If your credit is fair or limited, consider Platinum card from Capital One®. It has non-introductory variable APR on balance transfers, currently 8.9%. Plus, you can save with a 0% APR n purchases! |
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User Name:
DANDRA K |
Date:56
December 14, 2008, 11:22 am |
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I am confused as to whether to apply for a Shell gasoline card or one of the others such as the Discover gasoline card. The Shell interest rate is 18.99%. Most likely, I will only use the card for the gas. I am not interested in rewards or points. My credit rating is good, and I am conservative in my use of my other credit cards.
I would appreciate any help you can give to me.
Thank you. |
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Answer:
Rewards credit cards tend to come with higher interest rates than plastics without rewards. The reason in simple - lenders need compensation for their costs. So if you want to choose the most suitable card, pay attention to the following. Rewards credit cards are a good match for people who pay off their debt in full every month. In this case you can avoid interest charges and benefit from a rewards program. If you carry your balance from month to month, you can lose more money on interest charges than you can earn with rewards. So pay attention to APRs and annual fee. If you see that several cards have similar borrowing costs, then you can compare their bonuses and rewards. We offer you to consider credit cards with various features. Analyze your spending habits and decide which one will match you more. Discover® Open Road® Card has no annual fee and a 0% introductory APR on purchases and balance transfers. The ongoing APR is higher because this plastic has a rewards program. You will earn 5% Cashback Bonus® on your first $100 in gas and auto maintenance purchases each month. More® Card - Clear from Discover® has the same features: no annual fee and a 0% introductory APR on purchases and balance transfers. The difference is in the rewards program. The bank offers to get 5% Cashback Bonus® in categories like travel, home improvement stores, gasoline, groceries, restaurants, movies and many more. |
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User Name:
faustino dominguez jr |
Date:56
December 15, 2008, 5:25 pm |
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Which card would be good for me if my fico score is in the fair range, and I have a bankruptcy on my credit sheet within the last 5 years? |
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Answer:
For people with fair or average credit we offer Capital One credit cards. They come with various features and terms, so you will definitely find a suitable plastic! If you want to have low interest rates, your perfect match is Platinum card from Capital One. It has a zero introductory APR on purchases. When the interest-free period expires, you will have a low rate APR - 8.9%. In addition, the card offers to save up to 40% off featured deals and 10% on everything else at the Capital One Saving Zone.People who don't want to pay annual fee will like Standard Platinum card issued by Capital One. It also has a zero introductory APR on purchases. It will reduce your borrowing costs.Orbitz® Visa® Platinum card from Capital One features a great rewards program. You will earn 3 points per one dollar spent on eligible Orbitz.com bookings plus bonus points on eligible bookings. Moreover, you will receive 1 point per one dollar spent on regular purchases. The card has no annual fee. The APR is rather high, bit you can avoid interest charges by paying off your debt in full every month. |
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User Name:
Carolyn |
Date:56
December 21, 2008, 7:53 pm |
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16 months ago my credit score was 795. I have two automobile loans in my name and three visa's $29,000.00. One discover $9,000. One store card $2,900. Does high acquistion or debt load bring your credit down and prevent you from acquiring other credit card, etc? |
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Answer:
Credit bureaus take into consideration your credit utilization ratio - the percentage between your total amount of debt and available credit. You should keep it less than 30%. Otherwise, it will damage your FICO score. We don't know your spending limit, so we can't calculate your credit utilization ratio. However, we suggest that it is more than 30%. Lenders analyze many factors when they are deciding whether to approve your application or not. First of all, you need to know your exact FICO score to apply for an appropriate plastic. It will raise your chances to qualify. 795 points mean excellent score. However, your financial situation could have changed for 16 months. We offer you several attractive offers for good to excellent credit. Consider Blue Cash® from American Express. It has no annual fee and a 0% introductory APR for up to 12 months on purchases. A beneficial rewards program will let you earn up to 5% cash back on everyday purchases, including gasoline! More® Card issued by Discover provides a zero introductory APR on purchases and balance transfers. Plus, you don't need to pay an annual fee. Discover is well known for cash rewards. You can get 5% Cashback Bonus® in categories like travel, home improvement stores, gasoline, groceries, restaurants, movies and many more. Clear from American Express® offers no annual fee and a 0% interest rate for up to 12 months on purchases. The card comes with no annual fee, no balance transfer fee, no late fee and no overlimit fee! |
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User Name:
widlinechalme@yahoo.com |
Date:56
December 25, 2008, 7:34 pm |
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i tried to apply for credit card burt i have bad credit and they denied my offer how can i get a credit card even though i have bad credit |
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Answer:
There can be various reasons for getting denied. When a bank determines whether to lend you money or not, it takes into consideration your income and its stability, your employment record, previous credit experience, assets and other factors. As we have no access to your personal information, we can't say what the reasons for your declines were. We offer you to compare secured credit cards that usually offer guaranteed approval. So even if you were denied applying for unsecured cards, you may have good chances to be approved. Moreover, secured cards may help you rebuild your bad credit history to become eligible for better cards in the future. To be approved for a secured card, you are to make a bank deposit. It is a required procedure as a bank needs to be protected against a risk of credit repayment. That's the only difference between secured and unsecured credit offers. In whole, secured cards function as unsecured ones. So if you grow interested in reestablishing your credit history, you are welcome to compare Applied Bank Secured Visa Credit Card, Millennium Bank Black Diamond Visa card and MetaBank UltraVX Visa Card. They report to all major credit bureaus and if you make payments timely, you will prove your trustworthiness, improve your rating and qualify for unsecured cards without making deposit. |
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User Name:
Mary Eashmon |
Date:56
December 26, 2008, 12:06 pm |
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what is the diff between secured an unsecured cards? |
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Answer:
The only difference between them is that secured credit cards require making a bank deposit. It is a measure against risk of credit repayment. It means that if you fail to pay off your credit, the bank will charge this deposit to repay your debt. This type of credit cards is designed for mostly those with damaged credit history or no credit at all, who don't qualify for unsecured cards for some reasons. Unsecured credit offers don't require making any deposits and are designed for customers with any type of credit history - from limited or no to excellent one. You apply for a card and if you qualify for this or that particular offer, a bank will lend you money. If you become interested in secured cards, pay your attention to Black Diamond Visa card from Millennium Bank. It can be accepted worldwide and will offer you high quality service wherever you go. As for cards that require no deposit, you need to apply for a card that corresponds to your credit rating. If your rating is limited or average, then consider Capital One® Standard Platinum with 0% intro APR on purchases and no annual fee. Being a fortunate owner of good/excellent credit, you may save with a fee free Discover® Card More Card paying 0%APR on purchases for 6 months and balance transfers for up to 12 months. |
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User Name:
martha velazquez |
Date:56
December 31, 2008, 2:31 am |
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I don have any credit history.. Iam a student..Can i get a credit card.If so plz suggest me one. Thanks. |
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Answer:
There are several banks that issue credit cards for students taking into account their needs and lifestyles. So if you are in need of a credit card, you may qualify for student credit cards that may help you start building up your credit history. To apply for a card you need to have social security number, residence record and it is desirable that you have at least a part-time job. We offer you to consider three variants in order to make a comparison of their features and choose the one that suits you the most.Pay attention to Capital One® Standard Platinum for Young Adults that enables you to save with no annual fee and 0% intro APRs on purchases. Or, apply for Capital One® No Hassle CashSM Rewards for Young Adults that comes with no limits on rewards and cash back and competitive APRs. You may also start your history with Discover® Student Tropical Beach Card and pay no annual fee, earn up to 5% cash back bonus and enjoy an interest free period for six months.So it's up to you to decide which of the cards suits you best. Whichever card you choose, you have to use it wisely. Pay bills on time and never exceed your credit limit to build up a solid credit history and be a success. |
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User Name:
sonya cunningham |
Date:56
January 2, 2009, 7:00 pm |
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I am searching for a 0%APR for at least 12 mos. and a credit limit of $25,000.00. I have excellent credit. Can you recommend some companies? |
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Answer:
We'd like to recommend you credit cards from American Express and Discover Bank that offer the highest credit limits for lucky owners of perfect credit. The ideal variants for you can be Blue Cash or Blue from American Express as both of them offer interest free period for up to 12 months, no annual fee and you may get up to $100,000 as a credit limit depending on your situation. You may also consider Discover® Card More Card and save with 0%APR on purchases for 6 months and balance transfers for 12 months. It is a fee free card that offers a credit limit of up to $50,000 and enables you to earn cash back for making purchases. |
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User Name:
Erwin Hollywood |
Date:56
January 2, 2009, 7:33 pm |
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How do I apply for acredit card? |
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Answer:
To apply for a credit card is not difficult. As soon as you choose the card that corresponds to your FICO score and complies with your needs, click the button “APPLY” and you will be redirected to the official website of the chosen bank. Fill in an application form providing some necessary data such as your name, address, SSN, and other information and submit it. Then the bank will make an inquiry to the major credit bureaus to check whether you are eligible or not.
As you didn't say any word about your credit score, it's worth mentioning that you need to apply for a card you qualify for to avoid denials.
If you don't have credit rating yet, then you need a card for no/limited credit to start building up a history. You may consider Capital One® Standard Platinum that comes with 0% intro APR and has no annual fee.
If you are a lucky owner of a good or excellent credit rating, compare best cards. For example, Discover More® Card for those customers comes with no annual fee, low APRs and cash back bonuses.
And finally, having bad credit score for any reasons, you can improve it with cards for bad credit. We recommend you to pay your attention to secured Black Diamond Visa card from Millennium Bank that requires no credit check and reports to 3 major bureaus. |
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User Name:
Tyler |
Date:56
January 7, 2009, 1:53 pm |
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my son (20) is a freshman in college and his financial aid don't apply till 30 days after 1st day of Spring 2009 class. He is need to rent fire academy gear and we're unable to help him at the current time. Is there a credit card for no credit file and part-time worker/full-time student. He was declined by three credit card companies already. |
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Answer:
As you didn't mention the names of those credit card companies that declined your son's application, it is quite difficult for us to give you exact answer. Moreover, declines can be based on various factors that depend on your personal situation. What we can offer you is to compare and try student cards collected at our site. Capital One® No Hassle CashSM Rewards for Young Adults comes with no limits on rewards, cash back and competitive APRs.A fee free Capital One® Standard Platinum for Young Adults card enables to save with 0% intro APRs on purchases and comes without annual fee. One more variant to try is Discover® Student Tropical Beach Card. It has no annual fee, offers up to 5% cash back bonus and an interest free period for 6 months.To apply for a student credit card, your son is required to have residence record and social security number. Good Luck! |
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