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Displaying 510 to 520 (of 560 questions)
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January 16, 2009, 5:58 am
I have just graduated college and have no credit history. My parents were always the ones paying for me. I want to start my own credit card account but dont know who or what company would let me do that. Do you have a few suggestions for me?
If you are ready to start building up your own credit history, that's great. We suggest you to consider credit cards from Capital One® that specializes in issuing cards for those with limited or no credit history. These offers will help you start your credit history from point zero. You can save with a fee free Standard Platinum card that comes with an interest free period and exclusive savings. Or, you can apply for Platinum Visa and enjoy 0% introductory APR and low ongoing APRs on purchases and balance transfers.It isn't clear from your question whether you are going to continue studying or not. If yes, you can also choose among our student credit offers. Applying for Capital One® No Hassle CashSM Rewards for Young Adults you may start building up your history and enjoy getting cash back and rewards without limits. To apply for these cards you need to have SSN, residence record and stable income (in case of student credit cards it is desirable to have at least a part-time job).
February 16, 2009, 1:22 am
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

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.

February 16, 2009, 1:44 am
I have bad credit but want to rebuild. Is there a department store out there that is not that picky?

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.
March 19, 2009, 4:06 am
Are payments to utility companies or Mortgage Companies considered a purchase and earn cash back?

It depends on the cash back program you participate in, so you'd better read the terms and conditions of your cash back program, since some cash back cards give rebates only on selected purchases.


If your card allows earning cash back on every credit card purchase, then you can benefit from paying for everything from groceries and gas to utility and cell phone bills. Regarding payments to mortgage companies, some mortgage providers do not take credit cards. However, if your mortgage holder does take credit cards, then you can pay for your mortgage with your credit card and get cash back.

March 19, 2009, 4:19 am
I have a Discover card now ... I would like to apply for one with a larger maximum, so that I can transfer balances for a year or so with low interest. Can I apply for another Discover?

If you want to take advantage of 0% APR deals on balance transfers, applying for a new card will be a smart choice. Unfortunately, you never know for sure what credit limit you'll get since it's up to the card issuer to set your spending limit. Your credit limit will be based on your payment history, outstanding debt balances and credit performance with the company.


If you are a good or better credit customer, then chances are you will qualify for a new Discover card with a large spending limit and 0% introductory interest rates for balance transfers. Look through the Discover credit card offers for the one that suits you best, check their terms and conditions and apply online!

March 23, 2009, 12:57 am
I want to esteblish my new credit how can ido it.Please give a right answer
If you are new to credit or if your credit score is low, you can start establishing good credit with secured cards. The best thing about secured card offers is that they are easier to qualify for because these cards are secured with a cash deposit that you place in an account as security for your card payments. The amount of your deposit is generally equal to the amount of your spending limit.
Applied Bank’s Secured Visa® Card is designed especially for those with bad or no credit. This card comes with no credit or income requirements, and it features regular credit bureau reporting which will help to improve your credit provided that you maintain a good payment history.
Ultra VX Visa® Card by Meta Bank can also be a good secured card option for you. This secured card also requires no credit or income check. The real benefit of this card offer is a rewards program that allows you to earn travel rewards with no restrictions.
Finally, in case you want to apply for a regular unsecured credit card that requires no cash deposit as security, you can review the Total Visa card offer from Plains Commerce Bank and apply for an instant decision. This card also features monthly reporting to major credit bureaus, so it can be an effective credit building tool if used responsibly.
March 23, 2009, 1:05 am
I am looking for a card with zero percent balance transfer for 12 plus months with line of 21K min and cancel current provider. My credit score it 768
The good news is that your credit score is pretty high. That means you have an excellent chance to be approved for a credit card offering 0% introductory interest rates on balance transfers. As for the line of credit, it's difficult to say exactly what size line you will qualify for because card issuers usually set spending limits once your application has been processed. However, since most balance transfer cards are designed for good to excellent credit, it's likely that you will obtain a card with a high spending limit.
Also, since your credit score is near to perfect, you qualify for some of the best balance transfer deals available online. Discover More® Card and More Card – American Flag are good choices for those who want to eliminate their credit card debts. These cards come with no annual fees and a 0% Introductory APR on balance transfers for 12 months. The only difference between them lies in the art design on the card itself.
You may also wish to review the Capital One® Platinum Prestige card offer that gives a 0% Introductory APR on balance transfers for nearly 12 months and also has no annual fee.
Browse through these credit card applications, review their terms and conditions and choose the card that best fits your needs to apply online for.
March 26, 2009, 12:46 am
are there any cards out there with no balance transfer fee and 0% interest on balance transfers for 12 months. Are there any out there that cap the transfer fee at $100 or less with 0% interest on balance transfers for 12 months?
If you have good or excellent credit history, you can find balance transfer offers with 0% APR for 12 months or so. However, it is rare to find credit cards with no balance transfer fees or with capped fees, since such offers have mostly been pulled from the market due to the difficult economic situation.
Fortunately, cards offering a 0% introductory APR on balance transfers are still available and if your credit rating is high enough, you can browse through balance transfer offers online to find the one that best suits your needs.
For example, the Discover More® Card or the Discover More® Card – Clear can be a good choice if you want to eliminate your debt on favorable terms. Both cards offer a 0% APR on balance transfers for 12 months with no annual fee. Alternatively, you can review the Capital One® Platinum card offer that also comes with a 0% Introductory APR on balance transfers and no annual fee.
Just browse through these balance transfer credit offers, compare their features, review their terms and conditions, and apply online for the card that best meets your requirements.
March 30, 2009, 2:50 am
I'm 19 years old, attending college and everytime I apply for a credit card it comes back that I was denied, because I have no credit history. I have a twin brother who has been able procure credit, although when he started he also had no credit history, I don't understand what is going on? I've also received a credit report from experian just to make sure no one else has been using my social security number, that came cleared, stating that I have no credit history. Please help me find a credit card that will give me some credit, so that I may start to build my credit history.
Unfortunately you have made a very serious mistake in your quest to build credit history. Multiple requests for credit cards look pretty bad on your credit report. In these harsh economic times, most banks and companies do not want to give credit to a person who has been rejected by several companies.
You need to prove to lenders that you're a worthy financial risk. Opening a checking or savings account at a target credit card-issuing bank can be a smart first step. In addition, consider credit cards designed specifically for your type of credit. They can be secured or unsecured. In your case, secured credit cards would be a better choice because they involve no credit or income check, so they're much easier to obtain compared to unsecured cards.
You may also consider applying for the Secured Visa® Credit Card from Applied Bank. It comes with a moderate annual fee and no set-up fees. Plus, interest rates on purchases are really low. Since this is a secured card, you will need to open a deposit account in your name at Applied Bank. The deposit amount will secure your new credit card with a spending limit equal to the amount of your deposit.
Another secured card you might be interested in applying for is the UltraVX Visa® card issued by Meta Bank. This card offer also has no credit or income requirements, so you're likely to be approved. Furthermore, this secured card offers great features that can help you build your credit, such as direct deposit, credit reporting to major bureaus, free account alerts and more.
Alternatively, with the Black Diamond Visa® Card by Millennium Bank, you can enjoy some exclusive card benefits such as: extended warranty protection, travel accident insurance, emergency cash transfers, and more. This secured card also has no credit or income check and reports regularly to credit bureaus.
Take your time to review these secured credit card offers carefully before applying, including their terms and conditions, features and benefits.
March 30, 2009, 2:56 am
I have mediocre credit, because I fell behind when my dad died last year. I made the mistake of cancelling my credit cards whenever I paid them off. My credit scores range from 629-687 depending on the agency. I want to build my credit, but my report says that I am negatively affected by my limited available credit. I know my credit goes down whenever a company makes an inquiry so I want to be smart about how I get additional credit. What card(s) should I apply for to build my credit?
You have an average credit score and that's a good sign, so you can consider credit card offers designed for people with average credit. Take for example the Capital One® Platinum card. It comes with a low introductory APR and a moderate annual fee. You may also review the Capital One® Classic Platinum or Capital One® Orbitz® Visa® Platinum card offers that both come with low introductory APRs on purchases. If you can avoid carrying large balances on these cards, you are sure to benefit since they have low and no annual fees respectively.
Carefully look over these Capital One® credit offers for average credit, make sure that their terms and conditions are agreeable to you, and apply online today!
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