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December 5, 2008, 2:29 am
Can I apply for a credit card that is not prepaid

We don't have prepaid cards at our site. You can choose a plastic from a wide range of unsecured and secured offers. They have all perks and benefits that people want to have in a credit card! You may find offers with promotional interest rates, reasonable fees, great rewards programs and valuable insurances.

Before you apply for a plastic, check your FICO score. It will make your search faster and easier. The best credit cards require good or excellent credit. So if you are looking for a beneficial low interest credit card with no annual fee, you should have solid credit score. Cards for fair credit will help you strengthen your credit history, while no credit cards - establish it. Secured credit cards are a good choice for people who can't qualify for regular plastics.

Read attentively the terms and conditions of the credit card offer you want to apply for because they can vary according to the credit company.

December 5, 2008, 2:17 am
I would like to find out more information regarding costs pertaining to my balance transfer amount to one of these cards. Is there a number I can call to talk to a customer service rep?

Sorry, but we prefer to contact with our customers online. We try to post all necessary and new information about credit card offers at our site. If you want to get additional information or verify some features and terms, just click "Apply Online" button. You will be automatically redirected to the bank's website that issues that card. At their page you will see an application form and all actual terms and conditions of the offer. If you like the card, you can fill out the application. If you don't think that the offer suits your needs, you can just close the window and look for other cards at our site.

December 5, 2008, 1:00 am
why cant i get a credit card

The Equal Credit Opportunity Act gives you the right to know why your application was denied. The lender must send you a notice that tells the specific reasons. If you didn't receive it, you can make a request within sixty days after you have received a rejection letter. Ask the lender to be specific, because vague and indefinite reasons for denial are illegal. Such reasons as "You did not meet our minimum standards," or "You did not get enough points on our credit-scoring system" are unacceptable. The lender may write: "Your income was low," or "You haven't been employed for a long time." Working on your shortcomings is your key to qualifying for credit offers in future.

A credit denial does not mean that you can't get approved for credit cards issued by other banks. The similar plastics may have different criteria of approval. Compare the offers at our site and apply for a credit card that you feel you have the best chances to get. But be critical: if you have bad credit, don't submit an application for excellent cards.

December 5, 2008, 12:09 am
How can I get a credit card when I keep getting turned down for insufficent credit? Even when I apply for no credit cards they turn me down for not having credit.

You can establish your credit with secured credit cards. They may not have as many benefits as regular plastics, buy these offers will help you improve your FICO score and qualify for better cards in future. Remember that no one was born with excellent credit! Every achievement takes a bit of doing, doesn't it?

Secured credit cards are easy to obtain because you compensate for the lender's risk. You need to make a cash collateral deposit to secure your credit limit. In other words, if you deposit $300, your plastic will have a limit of $300.

Keep in mind that secured credit cards work similar to regular plastics. You need to keep making monthly payments on time, which will replenish your credit limit. A positive record of timely payments will help you improve your score!

If you want to choose the most profitable secured plastic, pay attention to the offers at our site. Secured Visa® Credit Card issued by Applied Bank® has a 9.99% low fixed APR. The bank has no income and credit requirements for the applicants.

Secured Visa® Platinum from Bank of America offers a low annual fee and no set up fee! Plus, you can enjoy a competitive APR. It is an excellent card to build your credit!

Black Diamond Visa® from Millennium Bank offers guaranteed approval regardless of your credit history. Having this plastic in your wallet, you can take advantage of $100,000 travel accident insurance and extended warranty protection. A special high introductory savings rate will let you earn some money on your deposit.

December 4, 2008, 7:38 am
I have currently a credit card I would like to transfer my balance onto another credit card, one of which charges no annual fee, at least 12 months of 0% interest on transferred balances, and no balance transfer fee. I now have a rate of 8.90 on all purchases and do carry a balance on my card more often than not.
can you help me to find the best balance transfer card. I do have really good credit as well. I know my credit score is above 740.

If you have good to excellent score, you can be eligible for a wide range of great balance transfer offers at our site. However, keep in mind that they are not as beneficial as you hope. Many lenders have changed the terms and features of their credit cards due to unstable financial situation. The days of generous balance transfer offers may be over. Generally, you can find two types of balance transfers cards: offers with zero introductory rates and a balance transfer fee, and offers with 2.99-4.99% APR on balance transfers, but with no balance transfer fee. Decide which cards suit you more.

If you want to have a plastic with a long zero interest rate on balance transfers, pay attention to More® Card from Discover®. If has no annual fee and zero introductory rates on purchases and balance transfers. This card also provides a lucrative cash back program.

HSBC Platinum MasterCard® with Cash Back Rewards offers a 0% introductory APR on purchases and balance transfers for 12 months. Plus, you can take advantage of unlimited 1% cash back rewards on your purchases! The bank will send you an application response in as little as 60 seconds.

If you want to have an offer without a balance transfer fee, than pay attention to Clear from American Express®. It comes with a 3.99% fixed APR on balance transfers for the first 12 months, 0% introductory APR on purchases for up to 12 months, no annual fee and no balance transfer fee.

December 4, 2008, 6:03 am
How much can you transfer for the discover card offer

We can't answer this question. The credit limit is set by lenders according to your FICO score, payment pattern, total amount of debt, income and other criteria. Typically, Discover credit cards for good to excellent score have up to $50.000 spending limit. However, nowadays all financial institutions tend to lower credit limits in order to reduce their lending risks. That's why people need to lower their expectations on how much they can transfer. If you have a debt of $20.000, you may be able to transfer only a part of your balance to a new plastic, for example $7.000 - $15.000. Consider it as the first step to your debt-free future!

December 4, 2008, 2:28 am
I have 3 credit cards which are pretty much at max limit. I need an additional 40,000 to finish my home improvement and would like to transfer over these 3 which total 40,000. My mid score is 704. Is there any copanies williing to offer over 100,000 credit card limits? Also, will this hurt my credit score? I need to know cause I will refinance my home once I have finished this last phase of my new home.
There are several balance transfer cards for good credit that come with a high spending limit - up to $100.000. However, keep in mind that the spending limit is set by the lender. Its amount depends on several factors - your income, debt, payment pattern and others. We don't guarantee that you will receive the highest possible spending limit. Nowadays all banks are lowering spending limits in order to reduce their lending risks. It means that you may be able to move only a portion of your debt.

Consider Blue card from American Express. It has 0% APR on purchases, no annual fee and 2.99% fixed APR on balance transfers for the first 12 months. Plus, you can earn 1 point for every $1 you spend. The balance transfer fee is capped. Its maximum amount is $99.

Starwood Preferred Guest® Card from American Express offers 2.9% introductory interest rate. There is no annual fee for the first year. And moreover, you don't need to pay a balance transfer fee! You will earn 1 point per $1 spent on the card and 2 points per $1 spent for Starwood related purchases.

Gold Delta SkyMiles® Credit Card from American Express has 9.99% APR on balance transfers, but there is no balance transfer fee associated with this offer. You can also take advantage of travel rewards program and earn free airline tickets.

If you already have an American Express card, you won't be able to transfer your debt to a new American Express card. In this case we recommend you Discover offers. However, their credit limit is up to $50,000.

Balance transfers won't affect your credit score if you don't close your old cards. Credit bureaus consider your credit utilization ratio - the percentage between your balances and your total available credit. The lower this percentage, the better. If you have maxed out your spending limit, it means that your utilization ratio is about 100%. It's not good for your FICO score. When you get a new card, the amount of your available credit increases, so the ratio will become lower.

December 4, 2008, 1:01 am
I am seeking funds for college- the school is brand new and hasn't been accredited for student loans or government aid. I've been denied for several personal loans, I don't have a co-signer, and I've been denied for some credit cards.
I just need 7,000 for school and I work full time. Please advise

Unfortunately, all credit cards for people with no credit and for young adults come with a small credit limit - about $3.000. If you want to get bigger credit line, you need to work hard to prove your financial responsibility. This process is not fast. When you become a student, you can apply for a student credit card. They typically have a reasonable interest rate, moderate fees and an attractive reward program that matches young people's interests. Their credit limit is about $3.000-$5.000.

Another way to establish credit is to apply for a card for people with no credit, but these offers may come with high finance charge.

Then you get an appropriate plastic, you need to make on time payments and keep your balance low. The lenders regularly report your payments to the main credit bureaus. It will help you improve your credit score and qualify for cards with better features and higher spending limits.

Another solution is to find a co-signer with good to excellent credit score. He or she needs to apply online for a suitable credit card and get approved. Then the co-signer should contact the bank and say that he/she would like to add you to the account. After that you will be able to use his/her plastic. Credit cards for good credit have $10.000-$50.000 spending limit.

December 4, 2008, 12:23 am
What is the best way to rebuild your credit after chapter 13 discharge? I am looking for a unsecured visa or master card good anywhere.

If you are going to rebuild your credit, consider Orchard Bank offers. They come with many favorable features that will simplify your credit-repairing process.

Orchard Bank Classic MasterCard® provides a zero introductory APR for 6 months on purchases and balance transfers, for qualified applicants. After the interest-free period the card offers a moderate ongoing APR. If you tend to forget about your payment due date, you can set up email and text messages that will remind you to make a payment. A positive credit report is the key to a solid FICO score!

Orchard Bank Low APR MasterCards come with a low 7.9% - 8.9% variable interest rate on purchases. Actually, this offer includes four cards: Platinum, Gold, Classic, or Secured. The bank will tell you which card you can qualify for after you have submitted necessary personal and financial information.

Household Bank® Low APR MasterCards have nearly the same features - a low 7.9% - 8.9% variable interest rate on purchases, free online bill pay and email or text message alerts to remind you of your available balance and upcoming payment due date. This offers includes 4 variants: 3 Platinum cards, and a Secured card. After you fill out your application, the issuer will evaluate your creditworthiness and specify which deal you can get approved for.

December 3, 2008, 7:29 am
I am looking for a card that does not charge a fee for cash advance in the form of checks, and provides a period interest free on the advance. For example, if I write a check against the card, there seems to be a 3% fee on the advance value pretty much everywhere. I am looking for no, or a nominal fee with cap on the advance, along with no interest for a certain duration such as one year. Any ideas here? Thanks.

We don't recommend using credit cards for cash advances. This option should be reserved for emergency use only. Otherwise, you simply waste your money for fees and interest charges.

If you are looking for the most beneficial terms on cash advances, we can offer you Virgin Atlantic American Express® card - Black from Bank of America. It offers a zero interest rate for the first 6 billing cycles on cash advance checks, purchases and balance transfers. In addition, you can take advantage from no annual fee and excellent travel rewards! However, this offer comes with a cash advance fee - 3%.

Clear from American Express® is a good choice for people who want to avoid cash advance fees. It also features no annual fee, no late fee, no overlimit fee and no balance transfer fee. Beneficial cash back rewards program will let you increase your budget. The cash advance APR is 19.99%.

All other credit cards, for example Citi® Platinum Select® Card®, come with APR at or above 20% along with a cash advance fee which is typically 3% for each transaction.

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