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User Name:
Patricia Hayes |
Date:56
March 24, 2009, 9:53 pm |
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Do you offer cash advances? |
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Answer:
Almost every credit card comes with a cash advance option. As it’s not clear from your question what type of credit history you have, we offer you to consider several card variants intended for people with different levels of credit rating and choose the one that corresponds to your FICO score. If you have a good-to-excellent credit history, you might be interested in the Discover® Card More® Card-American Flag. It is a no annual fee card with a 0% intro APR on purchases and balance transfers and a cashback option. If your credit rating is fair, then the American DreamCardTM MasterCard® Sweepstakes card from HSBC Bank Nevada with a cash advance option can be a good deal for you. It is a unique credit card that allows you to make purchases and earn lottery tickets for that. In case your credit is less than perfect or you don’t have a credit history at all, pay your attention to the Secured Visa® card from Applied bank. It is a secured credit card that comes with a low fixed APR, no set up fee, and a reasonable ongoing interest rate on cash advance. So, choose the card that corresponds to your score and fits your requirements best. Apply online. |
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User Name:
Raven |
Date:56
March 25, 2009, 10:58 am |
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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? |
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Answer:
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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User Name:
Peiton |
Date:56
March 25, 2009, 5:01 pm |
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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. |
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Answer:
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.
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User Name:
michelle |
Date:56
March 26, 2009, 2:23 am |
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I have bad credit. How can I apply for a credit card ? |
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Answer:
If you have bad credit, it's crucial to choose the right card. Specifically, you should choose among the credit offers that are designed for your credit score. When searching for a card, you need to pay attention to the required credit rating. If the card is designed especially for people with less than perfect credit, you're not likely to be declined. We suggest taking a look at three credit offers which are issued specifically for those with bad credit. Take for example Orchard Bank Classic MasterCards® or Household Bank Platinum MasterCards®. These unique credit offers are targeted at customers whose scores range from good to bad. When applying for one of these cards, the bank pre-qualifies you for the card that best fits your credit rating. Best of all, this process doesn't affect your credit score. You can view the cards, choose the best one for you and apply for it online.
Secured Visa® Credit Card by Applied Bank can also be a good choice for you. Even though this card requires a money deposit, it comes with no credit or income check. Plus, you can determine your own spending limit, since it will be equal to the amount of your money deposit.
Before submitting your credit card application, read carefully the terms and conditions of the card you want to apply for. Cards for bad credit generally come with fees, so you need to clearly understand what fees are charged with each offer. |
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User Name:
David |
Date:56
March 27, 2009, 6:01 pm |
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Want a gas credit card to help re-establish decent credit. Scores are low now, and needed way to show track of payments over time. Am I thinking accurately that this could be ONE step of many to build credit worthiness? |
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Answer:
Unfortunately, gas credit cards are intended mostly for people with good-to-excellent credit history. If you want to get a gas card, you need to improve your credit score in order to qualify. We offer you to consider the best secured credit cards. They may help you to re-establish your credit because they report to the major credit bureaus (Experian, TransUnion and Equifax) every month. However, to be a success, you’ll need to make payments on time, and stay within your spending limit. By making a money collateral deposit (as minimum as $300), you can be approved for a secured card regardless of your credit history and income. In other respects, secured cards work just like unsecured ones and offer you a good opportunity to restore your credit and be eligible for gas credit cards. Feel free to compare the most popular secured credit cards featured here and apply for the most suitable one. |
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User Name:
Elaina |
Date:56
March 29, 2009, 6:56 pm |
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I am 20 years old and have never worked but have income from my domestic partner. But I have applied for credit cards like Best Buy and many department stores and have been approved and have had up to thousands of dollars for my credit limit. I have always been on time paying my minimum payment. I want to do a one time purchase of $1500.00. Would any credit companies give me a credit card and with a credit limit of at least $1500.00? And what is the best credit card to apply for in my situation? |
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Answer:
In your situation you need a card with a spending limit of at least $5,000, so that your one-time purchase will not hurt your credit score. Unfortunately, you haven't mentioned your credit score, so it's difficult to say what cards you may consider. However, judging by your words, your score must be somewhere from limited to average. If your credit is average, take your time to consider credit cards designed for those with average credit. By applying for these cards, you may get a spending limit ranging from $3,000 to $5,000. |
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User Name:
Sandra Bryan |
Date:56
March 30, 2009, 12:40 pm |
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May I apply for a credit card over the phone? |
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Answer:
Yes, you may. Some credit card companies provide phone numbers, so that you can apply for a card over the phone. Take for instance Capital One credit offers. You can browse through the cards online, review their features and terms, choose the card that best suits your needs and then submit your application over the phone. Be sure to select the card that requires your type of credit history, otherwise you can be turned down. Take your time to review credit offers! Make your choice and apply by phone! |
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User Name:
Benton W. Frisinger |
Date:56
April 2, 2009, 3:08 pm |
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I need a new credit card. |
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Answer:
If you are looking for a new credit card, you need to choose among those card offers that correspond to your credit score. Unfortunately, you didn’t mention what type of credit history you have. So, we may only offer you to consider the best credit cards for each type of credit history to let you choose the one that corresponds to your credit. The Discover Card® More® Card can be a perfect card for those with good-to-excellent credit history. It comes with such attractive features as no annual fee, 0% intro APR on purchases and balance transfer, and a grace period of 25 days. Moreover, this card offers a great opportunity to earn generous CashBack bonuses and turn them into striking rewards. The American DreamCardTM MasterCard® Sweepstakes from HSBC is designed for customers with fair credit history as well as those with good score. It offers no annual fee, a grace period of 20 days and come with reasonable interest rates. If you have bad or no credit, the Secured Visa® Credit Card from Applied® Bank can be a smart choice for you. It works just like a regular credit card but do require a money deposit as collateral. This card has no set up fee and comes with low fixed APR on purchases. Moreover, it may help you to establish or rebuild your credit history because it has a monthly credit bureau reporting feature. Before you apply for one of these cards, check your credit score to make sure you qualify. |
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User Name:
Leslie |
Date:56
April 3, 2009, 10:56 am |
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I want to transfer my balance to a new company; however, I have never done this before. What is the procedure for doing this? My old credit card company was bought out by a new company and they raised my APR without notice to 29.99%. I have a credit score around 780 and think that 29.99% is ludicrous. |
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Answer:
Actually, the balance transfer procedure is quite simple. First, you should select from among balance transfer cards to apply for. The best balance transfer cards offer a 0% introductory APR on balance transfers for 6 or 12 months, and no annual fee. We suggest that you apply for one of the Discover® credit card offers such as: the Discover® More® Card, the Discover® More® Card – American Flag, or if you want to save on gas purchases, the Discover® Open Road® Card. Each of these balance transfer cards have a 0% introductory APR for 12 months, plus no annual fee. So, you will certainly benefit from being able to pay off your high interest rate balance using any of these low interest rate cards. Even though these cards have a standard 3% balance transfer fee (since most of the card offers without balance transfer fees have now been pulled from the market), they give the longest promotional period on balance transfers available. Furthermore, these credit deals come with competitive interest rates on purchases and balance transfers. Look through these credit card offers, review their terms and conditions and choose the card that is right for you. |
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User Name:
joe |
Date:56
April 3, 2009, 10:24 pm |
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Do you have a list of 0% balance transfer cards with no balance transfer fees?
I want a card without transaction fee of 3% and a 0% balance transfer for 12 months. We have excellent scores...in the range of 780
Looking for a 0% balance transfer card with NO fee to transfer funds. Does such an 'animal' exist any longer? |
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Answer:
Like it or not, the credit card industry has undergone a number of changes. As for balance transfer credit offers, these changes were not that favorable for customers. Most credit card issuers have now pulled their no fee balance transfer deals from the market. However, fortunately some good balance transfer offers still remain that provide 0% introductory interest rates on balances transferred. Discover® Card is currently the only credit card issuer that offers a 0% APR for 12 months, and even though you will be charged a regular balance transfer fee of 3%, you can still benefit when paying down your balance because the card provides a 0% APR for a full year. If you are looking to obtain a good balance transfer card, you may also consider the following credit card offers by Discover® Card: The Discover® More® Card, the Discover® More® Card – Clear and the Discover® Open Road® cards can be good choices for you, because they charge no annual fee and have a 0% APR for 12 months on balance transfers. However, keep in mind that these balance transfer offers require good or excellent credit, so be sure that you can qualify for these offers before submitting your online application. |
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