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May 28, 2009, 6:18 am
do you know of any good guarenteed approval cards for ad credit?

We offer you to consider secured credit cards intended for people with bad or no credit. They generally offer a guaranteed approval.

Secured cards work just like regular cards when making purchases, but you’ll need to make a cash collateral deposit (the minimum deposit can be as low as $300) to be approved for it. It’s worth saying that you’ll also need to have a social security number and be a resident of the U.S. at least 18 years old.

If used properly, a secured card may help you restore your bad credit history and establish a positive credit score.

The Secured Black Card from Public Savings Bank can be a good option for you because it comes with a 0% APR on new purchases for 6 months, no annual fee and a credit bureau reporting feature. You can also apply for the Secured Visa® Credit Card from Applied Bank®. It offers a reasonable annual fee, a low fixed APR that won’t change if you are late with your credit payments, and credit bureau reporting.

Alternatively, consider the UltraVX Visa® Card from MetaBank doesn’t require a credit or income check. Moreover, this card comes with the Clear Rewards feature. This means, you can earn travel rewards.

Compare the most popular secured cards featured here and apply online for the most suitable one.

May 27, 2009, 6:44 am
I have no credit history. Can I successfully apply for a credit card?

You can apply for one of the secured credit cards intended for people with bad or no credit. A secured card works just like an unsecured one but does require a cash collateral deposit that you need to place in a bank account. The minimum deposit can be $200-300.

One of the most impressive advantages of secured cards is that they usually offer a guaranteed approval because they don’t require a credit history or income check. To be approved, you will need to have a social security number (SSN), be a resident of the US at least 18 years old and, certainly, make a deposit.

By using your secured card properly, you have all the chances to establish a good credit score because secured cards come with a credit bureau reporting feature. Once you prove your trustworthiness, you may change your card for the unsecured one.

Take your time to compare the most popular secured cards featured here and choose the one for your special needs.

May 26, 2009, 12:29 pm
I need a new credit card.

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.

May 21, 2009, 7:31 am
I have great credit. Looking for one card with 0% on purchases and transfers one at least one year. Prefer no transfer fee.

Unfortunately, even if you have good-to-excellent credit history, today it can be next to impossible to find a card that offers an introductory period for up to 12 months and comes with 0% APR on purchases and BT even. We offer you to consider Discover card offers, intended for your type of credit history. They provide 0% on purchases and balance transfers for six months. Besides, these cards have no annual fee and low ongoing interest rates. As a holder of the Discover card, you may cut your expenses by earning CashBack bonuses and other striking rewards.

So, if you are interested in getting one of the best Discover cards, take your time to compare all the cards’ options and terms to select the best one for your current needs.

May 21, 2009, 6:20 am
i am needing a credit card for fair credit that does not require a large amount down for a deposit ,is that possible?

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.

May 21, 2009, 5:36 am
What's the best credit card for students?

It all depends on your lifestyle and needs. If you are looking for a student credit card with cash back and alluring features, you may consider the Discover Student Card - Clear or the Discover Student Tropical Beach Card. If used properly, they may help you to build your credit history and get striking rewards at the same time.

If you want to cut your expenses on auto maintenance or gas, we offer you to apply for the Discover Student Open Road Card. It enables you to earn 5% Cashback Bonus on your first $100 spent on gas and auto maintenance purchases monthly and 1% cash back on all other purchases. You can also get the opportunity to establish your history.

To apply for these student cards, you will need to have a Social Security Number, be a resident of the United States of over 18 years old, and it is desirable to have at least a part-time job.

May 19, 2009, 1:30 am
I want to apply for a fuel card for our company truck. How do I do that?

If you have good or excellent credit, you may feel free to consider the best gas credit cards available in the marketplace. The Discover® Open Road® Card can be a good option for you, as it gives 5% cash back on gas and auto maintenance purchases. In addition to that, it comes with a 0% Intro APR on new purchases and it has no annual fee.

Another card you may wish to apply for is the Discover® More® Card – American Flag or the new Biodegradable Discover More® Card. These cards come with the same features and terms, i.e. a 0% APR, no annual fee, 5% cash back in the most popular categories, such as gas and groceries. The only difference is their design. Plus, the new biodegradable card helps protect the nature, as it is made of the card plastic that breaks down in landfill conditions.

Look through these gas credit card offers, compare their features and apply for the card that best meets your financial situation.

April 21, 2009, 11:43 am
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.

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.

April 20, 2009, 1:49 am
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.

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.

April 17, 2009, 5:51 am
Which credit card is right for me?

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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