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User Name:
Penny Radde |
Date:56
April 7, 2009, 12:49 pm |
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I currently have a Discover Credit Card and the best "over-the-phone" balance transfer rate they are offering me is 1.99% to Sept 2009 or 2.99% to Mar 2010. There is also a 3% transfer fee up to $150. Can I get 0% or a better deal online and if so, how? Thank you for your time. |
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Answer:
In view of the fact that you're carrying a Discover® Card now, they offered you really good balance transfer rates. When applying for a new Discover® Card, you're likely to get a 0% APR on balance transfers during the promotional period. If you want to take advantage of 0% APR balance transfer deals, feel free to review Discover® Card offers that provide a low Intro APR on balance transfers and no annual fee. Compare the following Discover® Card credit offers and apply for the card that best fits your requirements. |
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User Name:
Reginald Cumming |
Date:56
April 10, 2009, 10:52 am |
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I have a good credit rating of 640+. I would like to find a good card with low rates, no start up fees, no annual fees, Visa or MasterCard and cash back rewards. |
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Answer:
If your credit score is 650 or higher, then you're likely to obtain the card you're looking for. You may review the Capital One® No Hassle Miles℠ Rewards card. It has no annual and set up fees, provides a 0% introductory APR, and you can earn travel rewards on all of your purchases. However, you should be very careful, since you can be rejected for a good credit card if your score is lower than required. To be on the safe side, you may wish to check out applications designed for fair to good credit instead. For example, consider the HSBC American DreamCard™ MasterCard® Sweepstakes. This card comes with no annual fee and no set up fee, it has competitive interest rates and you can earn sweepstakes entries on your purchases. Alternatively, you may consider applying for the Orbitz® Visa® Platinum card from Capital One®. This card is designed for average credit, so you're sure to qualify for this card. It also enables you to earn valuable rewards on your purchases, with no limit on the rewards points that you can earn with the card. Check through these credit card deals and apply for a card that best meets your requirements! |
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User Name:
Susan Walter |
Date:56
April 10, 2009, 9:06 pm |
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Which credit card has no annual fee, an introductory cashback bonus with first purchases and the highest cashback earnings on all purchases? |
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Answer:
If your credit is good or excellent, you can easily find a card featuring no annual fee and high cash back earnings. However, it's very difficult to find a cash back card that provides an introductory cash back bonus. As a general rule, only air miles or rewards points cards provide introductory bonuses. If you are interested in long-term earnings, you may wish to review cash back credit offers that give high cash back rebates. The Discover® More® Card or the Discover® More® Card – Monogram both come with no annual fee, a 0% introductory APR, and a 5% Cashback Bonus® in popular categories like: groceries, gas, travel, restaurants and others. You may also like to review the MTV® Visa® Card offer from Capital One®. This fee-free card gives 5 points on entertainment purchases like music, movies, and sporting events; 2 points for restaurant and coffee shop purchases; and 1% on everything else you buy with your card. The best thing about this credit offer is that you can get 25 bonus points in each billing cycle if you pay on time. Look through these credit card offers and apply for a card that will give you the highest rebates on the purchases you usually make. |
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User Name:
jimmy |
Date:56
April 13, 2009, 10:44 am |
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My credit scores are 710 and 703. Would it be safe to say that I would get approved for a credit card that requires a good to excellent score? |
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Answer:
Yes, it would be quite safe. You've got pretty high credit scores, and you're likely to be approved for one of the cards that require good or excellent credit. If you want to get cards with rewards, you may consider the Discover® Card credit card offers. They come with no annual fees, low interest rates and they also offer great cash back rebates on purchases. For example, consider the Discover® More® Card or the Discover® Open Road® Card. They each give 5% cash back in the most popular spending categories and 1% cash back on all other purchases. You may also like to review the True Earnings® Card application from Costco and American Express. This card requires good to excellent credit, comes with no annual fee and competitive interest rates, plus it gives good cash back rebates on purchases. Select a card that best suits you and apply online at this site. You're likely to be approved, since your credit score is very good. |
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User Name:
shari willham |
Date:56
April 14, 2009, 7:29 pm |
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Which credit card is right for me? |
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Answer:
It’s difficult for us to suggest a credit card that is right for everyone. That's why we are here to help you choose the best card for your financial needs. Unfortunately, you've provided too little information about yourself. Many credit card offers are available to consumers, but each and every card is designed with a particular type of customer’s needs in mind. If you are just starting to build your credit history, then you'd be better off choosing your credit card applications by your credit score. This way, your credit profile won't be affected by multiple credit rejections. Just the select the type of card you're most likely to be approved for and shop around for the best deal for your preferences. Again, you should closely consider the features of the card that you want to apply for. If you pay off your balance in full each month and avoid paying interest, you'll be better off applying for no annual fee cards. Review credit card deals online, compare them side by side, and apply for the card that best suits your requirements and your credit rating. |
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User Name:
Hughes |
Date:56
April 15, 2009, 12:41 pm |
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We are looking for a credit card with 0% interest rate on balance transfers, with no more than a $75 maximum fee for 12 months, and then thereafter a low fixed interest rate. We would like to transfer $6,000 that we have on a particular card. We currently have a 6.90% interest rate and a $22,000 credit limit. This decision to transfer was made because we received a letter from this credit card company that was sent to all of their customers, and which stated that their interest rate would be increasing to 12.97%. We were given the option to reject the increase and our 6.90% rate would stay as is, but our credit card couldn't then be used or we could continue to use our card and the rate would increase to the 12.97%. I called them on this and was told that in no way did this increase reflect on our credit rating because we had excellent credit, but it was a decision they had made regarding all their customers and I was not the first to complain. Any help would be appreciated. |
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Answer:
Unfortunately, balance transfer deals with capped or no fees have been pulled from the market as the economic situation continues to deteriorate. However, you can still transfer your balance onto a new card account with a 0% introductory APR and it will save you $234 in interest. Basically, if you decide not to use your current credit card and just pay down the balance, you will pay $414 in interest, ($6,000*6.9/100). Alternatively, by transferring your balance onto a new card that offers a 0% introductory APR for 12 months, you will only pay a 3% balance transfer fee, i.e. $180 ($6,000*3/100=180) up front. Then, if you pay off your balance in full during the 0% interest promotional period, you will save $234 ($414-$180 = $234). Regarding credit cards that give a 0% introductory APR on balance transfers for 12 months, we suggest that you review Discover® Card credit deals such as: the Discover® More® Card - Clear, the Discover® More® Card - American Flag and the Discover® More® Card – Monogram. Each of these balance transfer cards comes with a 0% introductory APR on balance transfers for 12 months and no annual fee. Review these balance transfer credit card offers and select the card that best fits your needs. |
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User Name:
felisa e young |
Date:56
April 18, 2009, 2:06 pm |
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I have bad credit. I am looking for a credit card that can fix me ok. My credit is really bad. |
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Answer:
If you have bad credit, a secured credit card can be a good option for you. Secured cards are intended specifically for people with less than average credit and that’s why come with a credit bureau reporting feature. By making your card payments on time and keeping your balance below your credit limit, you will establish or restore your credit history. To be approved for a secured card, you’ll need to make a cash collateral deposit ($300 - $10,000), be a resident of the US at least 18 years old and have a social security number. Generally, secured cards don’t require an income or credit record check so you have all the chances to be approved even if you have a low score. Take your time to compare the most popular cards for bad or no credit and choose the one for your special needs: The Secured Visa® Credit Card from Applied Bank comes with no set up fee, a low fixed APR on purchases, and a moderate annual fee. The Secured Black Card from Public Savings Bank is a no annual fee with a 25-day grace period and 0% intro APR on purchases for 6 months. You can also apply for the New Millennium Secured Black Diamond MasterCard®/Visa® card. It offers a reasonable interest rate and provides additional benefits including: emergency cash transfers, auto rental insurance, an extended warranty protection, and more. Make your choice and apply for the most suitable card online! |
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User Name:
Jim |
Date:56
April 19, 2009, 6:50 pm |
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I would like a credit card with a credit line limit of atleast $5,000 to pay off some old credit card debt. My credit is not so good. Are there any credit card companies out there willing to take a risk and lending me a new card? |
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Answer:
You’ll need to have at least fair credit history to get a credit limit of $3,000-$5,000. With fair credit score, you can apply for the American DreamCardTM MasterCard® Sweepstakes card from HSBC Bank Nevada. It comes with a reasonable interest rate, a grace period of 20 days and offers you a great opportunity to earn lottery tickets and become a winner. So, if your credit score is fair, you can apply for this card online and enjoy its benefits. If you have a lower score, you can hardly find a card with a spending limit of $5,000. You’ll need to improve your credit history in order to qualify for a higher limit credit card. If you are interested, take your time to consider the Secured Visa® Credit Card from Applied Bank or the Secured Black Card from Public Savings Bank. Both of them come with alluring options and report to the major credit bureaus monthly. They don’t require an income information or credit check but do require a cash collateral deposit (at least $300). If you make your credit payments on time and keep your balance below your credit limit, you‘ll improve your credit history and qualify for better card offers. It’s worth saying that the amount of your card limit will mostly depend on your particular situation - on your credit records, your ability to pay off the debt, etc. |
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User Name:
Macie |
Date:56
April 19, 2009, 7:11 pm |
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I need a Visa card but I am being offered Mastercard and a lot of weird offers. Please find me one
that is not prepaid but one I will be accepted for. I have so many inquires on my credit report now.
Thank You
Macie Dowell |
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Answer:
It is not quite clear from your question what type of credit history you have. Once you have many inquiries on your report, we may suppose that you have a less than perfect credit history. That way, we offer you to consider secured Visa credit cards. They are not prepaid cards. By using a secured card, you’ll spend money borrowed, while using a prepaid card is similar to spending cash from your wallet. Secured cards work just like regular credit cards with the only difference. A secured card requires a cash deposit. You’ll need to make at least a minimum money deposit into your bank savings account that will serve as collateral. If you fail to repay your credit, the bank will use your deposit to pay off the debt. What is also important is that a secured card comes with a credit bureau reporting feature that means you have a great opportunity to improve your credit history. When applying for a secured card, you can be approved regardless of your credit history and income because no credit and income check is required. If you are interested, we offer you to compare the best secured cards featured here and apply for the one that suits you most. |
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User Name:
Leah |
Date:56
April 20, 2009, 2:15 pm |
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i am needing a credit card for fair credit that does not require a large amount down for a deposit ,is that possible? |
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Answer:
If you have fair credit, you may apply for unsecured cards that don’t require a money deposit as collateral. If your credit score is near to good, take your time to consider the American DreamCard MasterCard Sweepstakes card from HSBC bank. It has no annual fee, a reasonable interest rate and offers you the opportunity to earn entries from daily shopping.
You may also apply for the unsecured Plains Commerce Total Visa card and learn credit decision instantly. By making your credit payments on time and keeping your card balance below your spending limit, you will be able to improve your score rating faster because this card comes with a monthly credit bureaus reporting feature.
In case you don’t qualify for unsecured cards due to some reasons, you may consider the Secured Visa Card from Applied bank. This card enables you to choose your credit limit up to $5,000. It doesn’t mean that you are required to deposit such a large amount of money. You may put as much as you can afford. Usually secured cards require a minimum deposit of $300-500. |
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