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Page: 52 of 56 |
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User Name:
Jerri lynn smith |
Date:56
January 8, 2009, 8:48 pm |
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Is 17 to young to apply |
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Answer:
Unfortunately, we don't provide credit cards for customers who are 17 or less. You have to be at least 18 years old to be eligible for credit cards collected here. As soon as you become 18, you are always welcome to our site to compare credit offers by the leading banks and credit card companies to choose a suitable card for your needs and start building your credit history. Good Luck! |
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User Name:
cathy |
Date:56
January 12, 2009, 3:00 pm |
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can i get cash on a credit card? |
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Answer:
Credit cards enable to convert some part of available credit limit into cash. If you need to get cash, you can use your plastic at the nearest affiliated ATM, write special checks for cash advance which are usually sent by a credit card company, or get your money at a credit institution or a bank personally by using your card. It is worth mentioning that to use cash advance option of a credit card is rather expensive. You will have to pay a cash advance fee, have no grace period and pay interest rates that are usually higher than on purchases. But still this option enables you to get cash fast and easy if you suddenly need it. |
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User Name:
Kathy |
Date:56
January 15, 2009, 1:32 am |
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I have no credit at all but want to apply for a credit card (NOT a pre-paid card!) but I can't get approved. Why is this and what should I do? |
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Answer:
There are many reasons for why some applicants get denied. We can't say for sure what your reasons are as we have no access to your personal information. We offer you to consider secured credit cards designed for applicants with less than perfect payment histories. Secured cards function similar to unsecured credit offers but they require opening a savings account to make a money deposit. In case you fail to pay off your debt, a bank may charge your money deposited to repay your credit. As the risk of credit repayment is low due to such measures, secured credit cards are usually guaranteed. That's the only difference between unsecured and secured cards. As soon as you prove that you are a trustworthy customer, you may change your card to unsecured one without making any deposits. If you grow interested in these offers, you can compare Black Diamond Visa card from Millennium Bank, Applied Bank Secured Visa Credit Card and MetaBank UltraVX Visa Card. All of them are Visa-branded cards acceptable worldwide. They report to the major credit bureaus that serve your purposes if you pay your credit timely. |
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User Name:
david |
Date:56
March 9, 2009, 8:02 pm |
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Credit card interest rate is 0% for 6 mo. What is rate after 6 months? |
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Answer:
Unfortunately, it isn’t clear from your question what credit card you have or are going to apply for. Once an introductory period (6 months) on your card expires, you will pay an ongoing APR that varies from card-to-card. In case you are late with your credit payments due to some reasons, you will have to pay a default APR that is much higher. There are also credit cards that have no default interest rates. This means, that even if you are late with your payments, your APR won’t change because it is fixed. If you don’t know the ongoing APR of your card, use our convenient tables to find all the details of your credit card. |
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User Name:
Linda Singleton |
Date:56
March 11, 2009, 10:07 am |
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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? |
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Answer:
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! |
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User Name:
Penny |
Date:56
March 14, 2009, 6:19 pm |
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Are payments to utility companies or Mortgage Companies considered a purchase and earn cash back?
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Answer:
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. |
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User Name:
stefanie brown |
Date:56
March 16, 2009, 3:14 pm |
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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? |
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Answer:
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.
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User Name:
Michael J. Gabrielse |
Date:56
March 17, 2009, 3:01 pm |
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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 |
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Answer:
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. |
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User Name:
Dalwinder Singh |
Date:56
March 17, 2009, 3:15 pm |
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I want to esteblish my new credit how can ido it.Please give a right answer |
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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. |
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User Name:
melissa kingery |
Date:56
March 24, 2009, 7:41 pm |
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I would like to have a card but I do not have an open bank account and I do not want a prepaid card. Can you help me? |
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Answer:
Judging by your words, you want to get access to credit but, due to some reason, you cannot provide funds to secure your new card. You can review the regular credit cards that require limited credit history, such as Household Bank Platinum MasterCards® and Orchard Bank Classic MasterCards®. The best thing about these credit offers is that they're designed for customers whose credit ranges from limited to good. Depending on your credit score, you can choose the card that best fits your credit profile.
If you've got an average credit rating, you may also review Capital One® Platinum. Check through these offers, review their details and make your choice! |
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