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February 16, 2009, 1:22 am
i tried to apply for credit card burt i have bad credit and they denied my offer how can i get a credit card even though i have bad credit

There can be various reasons for getting denied. When a bank determines whether to lend you money or not, it takes into consideration your income and its stability, your employment record, previous credit experience, assets and other factors. As we have no access to your personal information, we can't say what the reasons for your declines were.

We offer you to compare secured credit cards that usually offer guaranteed approval. So even if you were denied applying for unsecured cards, you may have good chances to be approved. Moreover, secured cards may help you rebuild your bad credit history to become eligible for better cards in the future.

To be approved for a secured card, you are to make a bank deposit. It is a required procedure as a bank needs to be protected against a risk of credit repayment. That's the only difference between secured and unsecured credit offers. In whole, secured cards function as unsecured ones.

So if you grow interested in reestablishing your credit history, you are welcome to compare Applied Bank Secured Visa Credit Card, Millennium Bank Black Diamond Visa card and MetaBank UltraVX Visa Card. They report to all major credit bureaus and if you make payments timely, you will prove your trustworthiness, improve your rating and qualify for unsecured cards without making deposit.

January 16, 2009, 2:01 am
I have no credit at all but want to apply for a credit card (NOT a pre-paid card!) but I can't get approved. Why is this and what should I do?
There are many reasons for why some applicants get denied. We can't say for sure what your reasons are as we have no access to your personal information. We offer you to consider secured credit cards designed for applicants with less than perfect payment histories. Secured cards function similar to unsecured credit offers but they require opening a savings account to make a money deposit. In case you fail to pay off your debt, a bank may charge your money deposited to repay your credit. As the risk of credit repayment is low due to such measures, secured credit cards are usually guaranteed. That's the only difference between unsecured and secured cards. As soon as you prove that you are a trustworthy customer, you may change your card to unsecured one without making any deposits. If you grow interested in these offers, you can compare Black Diamond Visa card from Millennium Bank, Applied Bank Secured Visa Credit Card and MetaBank UltraVX Visa Card. All of them are Visa-branded cards acceptable worldwide. They report to the major credit bureaus that serve your purposes if you pay your credit timely.
January 16, 2009, 1:32 am
Is 17 to young to apply
Unfortunately, we don't provide credit cards for customers who are 17 or less. You have to be at least 18 years old to be eligible for credit cards collected here. As soon as you become 18, you are always welcome to our site to compare credit offers by the leading banks and credit card companies to choose a suitable card for your needs and start building your credit history. Good Luck!
January 16, 2009, 1:23 am
can i get cash on a credit card?
Credit cards enable to convert some part of available credit limit into cash. If you need to get cash, you can use your plastic at the nearest affiliated ATM, write special checks for cash advance which are usually sent by a credit card company, or get your money at a credit institution or a bank personally by using your card.

It is worth mentioning that to use cash advance option of a credit card is rather expensive. You will have to pay a cash advance fee, have no grace period and pay interest rates that are usually higher than on purchases. But still this option enables you to get cash fast and easy if you suddenly need it.

January 16, 2009, 1:06 am
I am searching for a 0%APR for at least 12 mos. and a credit limit of $25,000.00. I have excellent credit. Can you recommend some companies?
We'd like to recommend you credit cards from American Express and Discover Bank that offer the highest credit limits for lucky owners of perfect credit. The ideal variants for you can be Blue Cash or Blue from American Express as both of them offer interest free period for up to 12 months, no annual fee and you may get up to $100,000 as a credit limit depending on your situation. You may also consider Discover® Card More Card and save with 0%APR on purchases for 6 months and balance transfers for 12 months. It is a fee free card that offers a credit limit of up to $50,000 and enables you to earn cash back for making purchases.
December 22, 2008, 5:29 am
16 months ago my credit score was 795. I have two automobile loans in my name and three visa's $29,000.00. One discover $9,000. One store card $2,900. Does high acquistion or debt load bring your credit down and prevent you from acquiring other credit card, etc?

Credit bureaus take into consideration your credit utilization ratio - the percentage between your total amount of debt and available credit. You should keep it less than 30%. Otherwise, it will damage your FICO score. We don't know your spending limit, so we can't calculate your credit utilization ratio. However, we suggest that it is more than 30%.

Lenders analyze many factors when they are deciding whether to approve your application or not. First of all, you need to know your exact FICO score to apply for an appropriate plastic. It will raise your chances to qualify. 795 points mean excellent score. However, your financial situation could have changed for 16 months.

We offer you several attractive offers for good to excellent credit. Consider Blue Cash® from American Express. It has no annual fee and a 0% introductory APR for up to 12 months on purchases. A beneficial rewards program will let you earn up to 5% cash back on everyday purchases, including gasoline!

More® Card issued by Discover provides a zero introductory APR on purchases and balance transfers. Plus, you don't need to pay an annual fee. Discover is well known for cash rewards. You can get 5% Cashback Bonus® in categories like travel, home improvement stores, gasoline, groceries, restaurants, movies and many more.

Clear from American Express® offers no annual fee and a 0% interest rate for up to 12 months on purchases. The card comes with no annual fee, no balance transfer fee, no late fee and no overlimit fee!

December 16, 2008, 5:18 am
Im in the process of refinancing my home, is this a bad time to apply for another credit card

If you are refinancing your home, you are able to apply for a credit card and get approved (it depends on your total amount of credit, current employment, income and FICO score). However, anything that causes your total debt to increase might have a negative effect on your current loan application. You may get other terms or features than you expected.

Plus, loan programs have strict guidelines regarding your FICO score. Numerous credit inquiries may lower your FICO score. That's why many banks ask to notify your loan officer before applying for any other credit, including credit cards and personal loans.

December 15, 2008, 5:44 am
I am confused as to whether to apply for a Shell gasoline card or one of the others such as the Discover gasoline card. The Shell interest rate is 18.99%. Most likely, I will only use the card for the gas. I am not interested in rewards or points. My credit rating is good, and I am conservative in my use of my other credit cards.

I would appreciate any help you can give to me.
Thank you.
Rewards credit cards tend to come with higher interest rates than plastics without rewards. The reason in simple - lenders need compensation for their costs. So if you want to choose the most suitable card, pay attention to the following. Rewards credit cards are a good match for people who pay off their debt in full every month. In this case you can avoid interest charges and benefit from a rewards program. If you carry your balance from month to month, you can lose more money on interest charges than you can earn with rewards. So pay attention to APRs and annual fee. If you see that several cards have similar borrowing costs, then you can compare their bonuses and rewards. We offer you to consider credit cards with various features. Analyze your spending habits and decide which one will match you more. Discover® Open Road® Card has no annual fee and a 0% introductory APR on purchases and balance transfers. The ongoing APR is higher because this plastic has a rewards program. You will earn 5% Cashback Bonus® on your first $100 in gas and auto maintenance purchases each month. More® Card - Clear from Discover® has the same features: no annual fee and a 0% introductory APR on purchases and balance transfers. The difference is in the rewards program. The bank offers to get 5% Cashback Bonus® in categories like travel, home improvement stores, gasoline, groceries, restaurants, movies and many more.
December 10, 2008, 3:20 am
I just received at the above address a notice of change of address for a credit card from Orchard Bank and I don't have a card from Orchard Bank. Please advise ASAP

First of all, contact Orchard Bank and find out exactly what has caused the situation. The notice you mentioned could be the result of a simple mistake, but you shouldn't ignore this signal. The next step is to get a copy of your credit report from all the three credit reporting bureaus. Under The Fair Credit Reporting Act, you have the right to get free copies of the information in your file at each of the three nationwide agencies when you are, or believe that you are, the victim of identity theft. Credit reports will help you detect suspicious activity. For example, you can find fraudulent accounts that have been opened in your name. You have the right to ask that a consumer reporting agency block that information from your file.

December 9, 2008, 7:40 am
Over the last year or so we fell far behind on our credit card payments because my husband had been out of work due to illness. Recently, we negotiated with our credit card companies to put our accounts "on hold" so that we could begin to pay back the balance with little or no interest charges. As a result, we currently have no active credit cards. I suspect that our credit is now considered "bad" but am not able to get a credit report to see our score because I don't have an active credit card number to submit to receive the report. So, how can I find out what my score is? And if it is bad, I would like to consider getting an unsecured card that we can begin using very minimally to begin reestablishing our good credit. Thank you, Tina

By law, you can request your credit report from the three major credit bureaus - Experian, Equifax, and TransUnion once a year at no charge. So contact the credit bureaus and ask them to provide the necessary financial information. Or you can take advantage of a free trial credit monitoring service and get access your credit report for up to 30 days.

If you have bad credit, you can apply for offers from Orchard bank. Consider Orchard Bank Classic MasterCard®. It comes with a competitive interest rate. You can also get a zero introductory APR if you qualify. The annual fee is $49.

Orchard Bank Low APR MasterCards are famous for their low interest rate. It varies from 7.9% to 8.9%. Actually, this offer includes four cards: Platinum, Gold, Classic, or Secured. You will know what card you can get after submitting your application.

Household Bank® Low APR MasterCards from HSBS has nearly the same features. You can enjoy a low APR and email or text message alerts that will remind you of your available balance and payment due date. The offer includes 4 variants: 3 Platinum cards, and a Secured card. When you fill out your application, the issuer will evaluate your financial situation and specify which offer you can get.

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