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Immediate credit card care service

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 ex.: How can I apply for a credit card?
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June 29, 2009, 5:09 am
Do you offer cash advances?

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.

June 24, 2009, 3:35 am
I've had credit cards in the past with very high credit limits and now i have none due to me being out of work and my credit scores have taken a dive. I need credit cards and don't want to have to pay all of those fees just to get one for $200-250 credit limit because it would be defeating the purpose. What can I do?

If your credit scores have taken a dive, you can hardly find a card for less than perfect credit history that comes with high spending limit. You’ll first need to restore your credit in order to qualify for card offers that come with low fees and high limits. If you are interested, we offer you to review the best secured credit cards that don’t check your credit records and income information and usually offer a guaranteed approval. You’ll need to put some money (at least $200-$300) into a bank savings account as collateral. Your deposit will be charged only if you fail to pay off your card debt. This is the only distinction between secured and unsecured cards.

We offer you to compare the following secured cards and pay your attention to the Secured Visa card from Applied bank. It can be a good deal for you because it comes with no set up fee, a low fixed APR on purchases that will not change even if you are late with your payments, and moderate annual fee.

It’s worth saying that all these secured cards report to the major credit bureaus monthly. Make your credit payments punctually, stay within your credit limit, and you will restore your credit history.

June 23, 2009, 12:55 pm
My total debt is about 5,000.00, that includes credit cards and car loan. Is there a way I can consolidate my debt so I have a payment for everything and pay this stuff off faster. Nothing is behind on payments and but my score is a 540. What options do I have?

Your credit score means that you have bad credit history that needs improvement. Unfortunately, there are no credit card offers for bad credit that allow you to consolidate your debts. You’ll first need to improve your credit history in order to qualify for balance transfer credit cards with higher spending limits. If you have some credit cards and they report to all the major credit bureaus, that's great. You may improve your credit score faster by making your credit payments on time and staying within your credit limit.

June 22, 2009, 5:19 am
CAN I APPLY FOR A CREDIT CARD WITHOUT GIVING PAYMENT RIGHT NOW?

If you mean a card with no set up fee (it is a one-time fee that you’ll have to pay for opening a new credit card account), we offer you to consider several card variants as it isn’t clear from your question what type of credit history you have.

If your FICO score is good-to-excellent, you might be interested in the Discover® Card More® Card – American Flag or Discover® Card More® Card – Clear. They come with no set up and annual fees and a 0% intro APR on purchases and balance transfers for 6 months. Besides, you can take advantage of the cash back option when making purchases with the card.

If your credit score is less than perfect, pay your attention to the Secured Visa® card from Applied bank. It is almost the only credit card for low score that comes with no set up fee and a low fixed APR on purchases. It doesn’t require a credit record check but do require a security deposit (minimum $200 deposit required) that will be equal to your spending limit. Furthermore, this card reports to the major credit bureaus and may help you establish a positive score rating if used wisely.

June 19, 2009, 5:22 am
Credit card interest rate is 0% for 6 mo. What is rate after 6 months?

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.

June 19, 2009, 1:16 am
I would like to check my last three (3) credit card statements. How do I
go about doing that?

You may easily check your credit card statements online . If you don’t sign up for online banking service yet, you’ll need to register on the site of your bank. It takes about 5 minutes to become an online banking member. Just follow simple instructions!

If you have already registered, you’ll need to log on to online banking and find the ”Online Statements/Notices” button or something of the kind (it depends on the site). By following the directions, you will receive your account statement online.

June 17, 2009, 5:21 am
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

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.

June 17, 2009, 4:15 am
I have managed my money too well. I have no mortgage, car payments, exc. only one medicale and utilities. I can not recieve a card because my credit score is low. Why is this?

You see, when making a credit granting decision, banks consider various factors: your income, what kind of assets you have, how long you’ve worked for this or that employer, and others. Lenders are different and they give more importance to some factors than others. Therefore, some banks can give you approval, others can deny you.

We offer you to consider secured credit cards that usually come with guaranteed approval. They don’t require a credit record check and your income information but do require a money deposit. You’ll need to place at least a minimum deposit ($300) into savings account that will serve as collateral. Once you fail to pay your credit, the bank will charge your deposit to pay off your debt. A secured credit card works just like unsecured one. It enables you to make payments with your card, travel, pay bills, and so on. Furthermore, it comes with a credit bureau reporting option that means you can improve your credit history faster by making your payments on time and keeping well within your credit limit. It’s worth saying that you’ll also need to be a resident of the US and have a SSN to apply for a secured card.

A secured credit card can be a good option for you if you have a low credit score. Consider the most popular secured credit cards featured here and make your decision complying with your needs.

June 17, 2009, 2:40 am
Are there any credit cards I can apply for without affecting my credit score?

To avoid affecting your credit score, you need to apply for the card you are eligible for. By applying for the card that doesn’t correspond to your FICO score, you can get a denial that generally affects a credit rating. Therefore, it is always recommended to turn to the major credit bureaus (Experian, TransUnion, and Equifax) before applying for a card and check your score to avoid a rejection.

As you didn’t mention what type of credit history you have, we may only suppose that your credit score is less than perfect. If you have a fair credit, you can apply for the American DreamCardTM MasterCard® Sweepstakes card from HSBC Bank Nevada. It comes with rather attractive features and may help you improve your credit history. Moreover, by spending with the card, you can earn lottery tickets and become a lottery winner.

If your credit history is less than average, then pay your attention to secured credit cards. They don’t require income information and a credit records check therefore they usually offer a guaranteed approval. You’ll only need to make a cash deposit (at least $300) that will serve as collateral, have a SSN and be a resident of the US. A secured credit card can be a convenient payment tool that may help you establish credit or restore your bad credit history. We offer you to consider the Secured Visa® Credit Card from Applied Bank or the Secured Black Card from Public Savings Bank that come with attractive features and options and report to major credit bureaus every month.

So, check your credit score and apply for the right card!

June 16, 2009, 8:09 am
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?

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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