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I'm trying to figure out what credit card i should apply for, right now I have two credit cards both with Orchard Bank. One has a limit of $500, the other $400. My current high credit score is 689, the low is 635. My goal is to transfer the balance from both of those cards (total $200) to a card with a higher collective limit. Can someone point me in the right direction
I HAVE JUST ABOUT MOST OF THE CARDS MENTIONED HERE. I HAVE ABOUT 16 CARDS WIITH A DEBBT OF AROUDN 22k. I DO NOT WANT TO NEGOTIATEE THE DEBT. I WANT TO PAY IT ALL BACK. BUT I LIKE TO KNOW HOW I CAN CONSOLIDATE WHICH COMPANY PERHAPS WOULD DO IT WIITHOUT RUINING MY CREIDT..I AM NOT BEHIND ON MY PAYMENTS. I PAY ABOUT 2900 A MONTH AND WOULD LIKE TO BRING IT DOWN TO A THOUSAND DOLLARS A MONTH - OF PAYMENT. PLEASE HELPL
Start with checking your FICO score. In order to qualify for a balance transfer credit card with a high spending limit and a zero APR, you need to have a good or excellent FICO score. Otherwise, banks may offer you less beneficial terms and conditions.
If you have a debt of $22,000 distributed on several plastics, it is very unlikely that you can transfer the whole amount onto a single credit card. Many banks allow moving only a portion of such a balance, for example $5.000-$15.000.
Then, keep in mind that it is typically impossible to move your debt on the plastics issued by the same bank. So, if you have a debt on, for example, American Express card, then you can't move it on another American Express plastic. But you can transfer it on the offers from Capital One or Discover.
Taking into consideration all these points, we offer you the following solution. Start with moving a part of your debt. Take 2-5 cards with the highest APR (the number depends on their balances) and transfer that debt to a new less-costly plastic issued by another bank. When you pay off that balance, you can repeat the process with other cards.
In order to help you with the choice, we offer you 3 most attractive balance transfer credit cards designed for good to excellent credit:
More® Card from Discover® has no annual fee and a 0% introductory APR on purchases and balance transfers. If you decide to make purchases with this plastic, you will earn cash back rebates - up to 5%.
Blue from American Express® provides no annual fee and a 0% APR on purchases for up to 12 months. The card has a fixed introductory APR on balance transfers - 2.99%, but you can save on a capped balance transfer fee. Its maximum amount is $99.
HSBC Platinum MasterCard® with Cash Back Rewards offers a 0% introductory rate on purchases and balance transfers for 12 months. You will also enjoy no annual fee, cash back rewards and instant decision option.
I have poor credit and no one will give me a credit card to rebuild my credit... I'm in my second year of college and I make 26000.00 ayr.. what are my options
Don't get disappointed! At our website you can find credit offers specifically designed for students with limited or poor score. Used wisely, these cards will help you improve your low FICO score.
Citi® Platinum Select® Card for College Students is targeted at those with bad or no credit. It has very profitable features: no annual fee and a 0% APR on balance transfers and purchases for 6 months. You can also take advantage of free online account management and bill payment service.
Citi® mtvUTM Platinum Select® Visa® Card for College Students is also another option for young adults with bad or no credit. It offers no annual fee, zero introductory interest rate and a beneficial point rewards program. You will earn 5 points for every dollar you spend at restaurants, bookstores, record stores, movie theaters and video rentals stores.
Standard Platinum card for Young Adults from Capital One® is designed for people with limited score. It means that you need to have a record of timely payments and a good stable income to be approved. The card offers to save with no annual fee and a 0% introductory APR on purchases. A manageable credit line will help you control your expenses.
How do I know which card to apply for?
First of all, find out your FICO score. It will help you determine which offers you can qualify for. If, for example, you have 620-659 points, it means that your FICO score is fair. You can choose cards in our section called "Fair Credit Card Offers". Browse all application and decide what plastic will work best for you!
Another way to find a suitable offer is to determine your main financial goals and choose a card according to them. Do you want to make a balance transfer? Look in "Balance Transfer Cards" section. Are you a college student? Browse all applications in "Students Credit Cards". And don't forget to check credit requirements of every plastic you want to apply for!
In order to save your time, we offer you three credit offers for the different types of FICO score. One of them may be your match you are looking for!
If you have good to excellent credit, pay attention to Blue Cash® from American Express. It has no annual fee and a 0% introductory APR on purchases for up to 12 months. Plus, you can earn up to 5% cash back on everyday purchases, including gasoline! Another advantage of this offer is a capped balance transfer fee. Its maximum amount is $99.
If you have fair score and you're on the way to a higher credit, we offer you Capital One cards. You will make a good deal submitting your application for a Capital One Standard Platinum. This offer has no annual fee. You can also save on the introductory interest rate on purchases.
Orchard Bank Classic MasterCard® is an excellent choice for people with bad or no credit. It comes with a moderate ongoing interest rate. You can even qualify for a 0% intro APR for 6 months on purchases and balance transfers! The card is accepted at millions of locations worldwide, including websites.
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.
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.
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.
How can I lower the interest rate on my credit cards?
There are several ways to reduce high interest rates. First method is to call your bank and ask for a lower APR. Keep in mind that credit companies are commercial organizations, not charity ones. You need to have a good reason to make them lower their profit. You can say that you have received a better offer from another bank or that your FICO score has significantly improved.
The other way to obtain lower interest rates is to apply for a balance transfer credit card. It allows you to move your debt onto a less costly plastic. Thus you can pay off your debt sooner. We offer you several balance transfer credit cards to choose from.
More® Card from Discover® is designed for customers with excellent or good credit. It has no annual fee and a 0% introductory APR on purchases and balance transfers. Plus, you can get 5% cash rebates in categories like travel, home improvement stores, gasoline, groceries, restaurants, movies and many more.
Blue from American Express® is targeted at people with a solid FICO score. It has no annual fee. The ongoing interest rate on balance transfers is 2.99%. You can also save with a balance transfer fee - its maximum amount is $99. In addition to these benefits, you can take advantage of a great cash back rewards program.
If your credit is fair or limited, consider Platinum card from Capital One®. It has non-introductory variable APR on balance transfers, currently 8.9%. Plus, you can save with a 0% APR n purchases!
Which card would be good for me if my fico score is in the fair range, and I have a bankruptcy on my credit sheet within the last 5 years?
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.