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April 16, 2009, 11:33 am
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?

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.

April 15, 2009, 7:18 am
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?

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.

April 14, 2009, 7:21 am
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.

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.

April 6, 2009, 12:44 am
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?
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.
April 6, 2009, 12:41 am
I have bad credit. How can I apply for a credit card ?
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.
March 30, 2009, 2:50 am
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.
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.
March 23, 2009, 12:57 am
I want to esteblish my new credit how can ido it.Please give a right answer
If you are new to credit or if your credit score is low, you can start establishing good credit with secured cards. The best thing about secured card offers is that they are easier to qualify for because these cards are secured with a cash deposit that you place in an account as security for your card payments. The amount of your deposit is generally equal to the amount of your spending limit.
Applied Bank’s Secured Visa® Card is designed especially for those with bad or no credit. This card comes with no credit or income requirements, and it features regular credit bureau reporting which will help to improve your credit provided that you maintain a good payment history.
Ultra VX Visa® Card by Meta Bank can also be a good secured card option for you. This secured card also requires no credit or income check. The real benefit of this card offer is a rewards program that allows you to earn travel rewards with no restrictions.
Finally, in case you want to apply for a regular unsecured credit card that requires no cash deposit as security, you can review the Total Visa card offer from Plains Commerce Bank and apply for an instant decision. This card also features monthly reporting to major credit bureaus, so it can be an effective credit building tool if used responsibly.
March 19, 2009, 4:19 am
I have a Discover card now ... I would like to apply for one with a larger maximum, so that I can transfer balances for a year or so with low interest. Can I apply for another Discover?

If you want to take advantage of 0% APR deals on balance transfers, applying for a new card will be a smart choice. Unfortunately, you never know for sure what credit limit you'll get since it's up to the card issuer to set your spending limit. Your credit limit will be based on your payment history, outstanding debt balances and credit performance with the company.

If you are a good or better credit customer, then chances are you will qualify for a new Discover card with a large spending limit and 0% introductory interest rates for balance transfers. Look through the Discover credit card offers for the one that suits you best, check their terms and conditions and apply online!

March 19, 2009, 4:06 am
Are payments to utility companies or Mortgage Companies considered a purchase and earn cash back?

It depends on the cash back program you participate in, so you'd better read the terms and conditions of your cash back program, since some cash back cards give rebates only on selected purchases.

If your card allows earning cash back on every credit card purchase, then you can benefit from paying for everything from groceries and gas to utility and cell phone bills. Regarding payments to mortgage companies, some mortgage providers do not take credit cards. However, if your mortgage holder does take credit cards, then you can pay for your mortgage with your credit card and get cash back.

February 16, 2009, 1:44 am
I have bad credit but want to rebuild. Is there a department store out there that is not that picky?

You see, banks or credit card companies are to be picky as they risk when lending money to borrowers with bad credit. Therefore they create special measures against a risk of debt repayment, including rather high fees and rates. They consider your application taking into account your income, previous credit experience, assets, duration of your employment, debt to income ratio and other factors. So you can hardly find a bank or company that has no strict requirements to customers with bad credit.

We offer you to consider secured credit cards as they usually offer guaranteed approval and give a good chance to reestablish your credit history. To get approved for a secured card, you have to open a bank account and put some money ($300-500) as a deposit. In case you don't pay off your credit, a bank may charge a necessary sum of money deposited to repay your debt. This is the only difference between secured and unsecured credit deals.

So you have all chances to be approved applying for Millennium Bank Black Diamond Visa card or Applied Bank Secured Visa Credit Card collected on the site. Being Visa branded cards, they are acceptable worldwide. It means that wherever you go, you can take your card with you and enjoy high-end service. Moreover, they report to major credit bureaus giving you an opportunity to prove that you are a reliable customer.

One more variant for bad credit history is unsecured Total Visa from Plains Commerce Bank, which offers instant decision, outstanding customer service and reports to major credit bureaus monthly.

Whichever card you choose, use it properly to rebuild your bad credit history. As soon as you prove your trustworthiness, you may qualify for better credit offers coming with more options and better features.
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