Immediate credit card care service
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June 7, 2007, 5:21 pm
I am looking for a credit card that just goes off my business and not personal. a non personal guarantee credit card. Please help
Our website gives you an opportunity to compare business credit card offers
fitting your special needs and financial plans. Nowadays banks present a great variety of online applications for small new businesses. Choose the best business offers, which will let you control your employees' spending, raise your bank credit limits and provide discounts and bonuses for business expenditures. Among the best online business deals, presented at our site, you can find best offers from the USA top companies and banks - Visa®, MasterCard®, American Express® and others. However all the business deals presented on our site require "personal guarantee" or in other words require Social Security number. We do not have any credit cards that would require business EIN, based on companies credit history. All the best, Manager of Immediate Credit Card Care Service
May 29, 2007, 1:55 pm
How can I get a credit card with a $3000 credit limit?
First of all, it should be said that only the bank can determine your credit limit. The main factor that is taken into account is your credit risk. The better payer you are the higher limit you’ll be given. That's why before applying for a card consider your credit report, learn your current score and estimate your financial state. $3000 is quite a high limit that is hardly given to the people with bad credit. Mind, that the limit depends on the terms of your card and may be changed according to your credit history. It is not a constant value; it may vary as your score varies. So, if you want the higher limit you must use your credit properly, pay all the bills on time and keep your score as high as possible. In this case you'll be able to apply for the best credit cards
with the highest limits. All the best, Manager of Immediate Credit Card Care Service
May 27, 2007, 1:13 pm
Can I receive an immediate decision online? Also, how soon can I receive my Credit card number to make a purchase? Thanks!
When you apply for a card approval can in fact take various periods of time. If your score is either good or excellent the quickest way is to get an instant approval
that generally requires only a few minutes. On out site you can look through the several variants of cards with the instant approval from Discover, American Express and Citibank. In some cases (but no always!) you can start using the money immediately after getting an approval. If you get instant approval, bank can show you your credit card number and expiration date right away. So you will be able to shop online or by the phone with it. However you will not be able to go to the store because you won’t have the card itself. Also mind that you won't be able to use your whole credit limit before your card arrives for security reasons. Finally, it must be emphasized that there are no cards that will guarantee you that. Some customers get this option, but not all, probably for security reasons. All the best, Manager of Immediate Credit Card Care Service
May 24, 2007, 1:11 pm
Is therre any credit card I can get being 17 and working for the past 1 and 5 mo.?
If you are not 18 yet you don't have the right to get a loan. However if you wish to build up your credit history you can do the following. Ask your parents to open a savings and a checking account in your name, if they haven't done it yet. This is essential as it proves your financial independence and ability to deal with money. You can also become an authorized user of one or more of their credit cards. In this case the cardholders will be your parents but you will be able to use the credit limit. Try to keep the balances on them as low as possible, as all the information (both positive and negative) will be reflected in your report. Another way to get a card right now is to draw the so-called co-signer, that is a person who will be responsible if you don't pay off your bills on time. But mind that in this case too all the negative information will hit your report and damage your score. If you use the cards properly, in time you'll have good credit history and will be eligible for the best credit cards
. All the best, Manager of Immediate Credit Card Care Service
May 23, 2007, 6:03 am
is there a card for me with a score of660?i mean a rel card not a ptr paid card?
The credit score is the main factor that determines your creditworthiness. Nowadays the banks and credit companies offer cards for people with all types of history - excellent, good, fair, poor or no history at all. If you score amounts to 660 it is considered good. So, you are welcome to choose among the cards for good credit
from Discover, American Express and Chase. However, mind, that before applying for a card you should request your scores from all three credit bureaus, not only one of them. You see, lenders generally look at the lowest score, not at the highest one. So, if your lowest score is below 660 it would be better to turn to the cards for fair credit
.All the best, Manager of Immediate Credit Card Care Service
May 21, 2007, 11:36 pm
the card i applied for wasnt the one i wanted ,can i close that acct. ,and apply for the one i want?
If you've just applied for a card you are not happy with and now wish to cancel your application you can simply not activate the card and close the account. However if you have activated the card and now want to cancel it, you should bear in mind, that it will lower your credit score, and if no annual fee or something like that is included into the terms of the card, it’s not necessary to cancel the card until its expiry date (however this won’t add any credit points to your report). Of course, if there are fees that you don't want to pay, it will be better to cancel this credit card to avoid undesirable payments. The way of cancelling an undesired credit card is determined by the bank and is described at its official site or can be explained by phone. As far as we are not a credit company, we can’t help you in canceling the card or the application, our site is only meant to provide you the best credit offers
and to help you to apply for cards online. So in any case you’d better try to contact your bank and learn all the details there. All the best, Manager of Immediate Credit Card Care Service
May 17, 2007, 2:10 pm
If i get rejected by a credit card company will my credit score be hurt
The credit score is extremely important and by far determines you financial health. The higher the score, the better chances you have to get the card with the most favorable terms. That's why it is essential to maintain the score level and to improve it continuously. If your score is excellent or good you are eligible for the best credit cards
. However, you must be aware that if you apply for a card you are not eligible for you'll certainly be denied. Mind, that denials inevitably damage your score. So, before applying for any card turn to your report, learn your score and understand whether it is excellent, good, fair or bad. After that turn to the appropriate page and choose a card.
May 16, 2007, 11:18 pm
I have a Fico score of 690 from one credit bureau, 670 and another at 646. I would like to apply for a credit card that uses the bureau carrying my highest score. Is there any way to screen where different companies pull their info? Also, with a score of 690 can I apply for a card requiring a "good" rating?
Credit score is the most important indicator of your creditworthiness, that's why lenders always take it inro account when making a decision about giving you a loan. There are three main credit bureaus that calculate the score. But as it happens, the figures may differ because not all lenders report to all three agencies and because the methods of calculation are a bit diiferent. In fact the lenders generally tend to turn to all three credit bureaus and look at the lowest score, not at the highest one. At best they base their decision on the middle rate. That's why although your highest score - 690 - can indeed be considered good, we don't recommend you to apply for such type of cards. Mind that if you are denied, your score will be damaged. Your lowest score is 646, that falls into the "fair" category. So, turn to the fair credit offers
on our web-site and choose the one that suits you. If you still wish only a good card, try to find out why your score is so low - request your report and check it carefully for mistakes and omissions. If you find any, ask the bureau to correct them immediately. When your lowest score reaches 660, you'll be eligible for good credit cards
April 30, 2007, 6:53 am
IS THERE A CARD WITH 0% TRANSFER FOR UP TO $20,000?
At our site we present the best credit cards with balance transfers only for good or excellent credit. All of them (exception is Blue from American Express) offer 0% introductory Annual Percentage Rate on balance transfer and on purchases for up to 12 months. If you have good or excellent credit, pay your attention to Discover Card More Card. It has no annual fee and offers 10,99% APR on balance transfer and the same APR on purchases on the expiry of 12 months. You need to look through all these credit card offers, compare them very carefully, then make your choice and apply for the credit card online.
April 30, 2007, 6:49 am
I am looking into getting a Chase Bank PerfectCard MasterCard®
I am trying to time it right, in order to maximize the 0% intro rate for 12 months. Does the rate start as soon as the account is approved, or does the rate start once you make your first purchase?
Also, how long does this approval process take before a card is in hand?
Your help is appreciated.
Our site presents the up-to-date and sufficient information about the best credit card offers
and give you a possibility to apply for a credit card online. Your application is submitted to the bank. The bank needs some time to consider your application, check your credit report and then make a credit decision. It can take 60 seconds (with instant approval cards), a week or a month. Then bank sends you the card and statement, where you can find your account number, the expiry date of the card and so on. You need to activate your credit card. As soon as you activate it the rate starts. If you want to clear up the details of the approval process, apply directly to the customer service of the bank. Its representatives are supposed to answer all of your questions.