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December 3, 2008, 6:42 am
What Credit card would be the best for a college student

Nowadays college students have a wide range of beneficial credit offers to choose from. If you are making your first steps in the credit card world, consider Citi® Dividend Platinum Select® Card for College Students from Citibank. It comes with zero introductory rates on balance transfers and purchases, no annual fee and cash back rebates. You can get back up to 5% of your expenses. Plus, the bank offers free online account management and bill payment service.

Citi® mtvUTM Platinum Select® Visa® Card for College Students is a good match for young adults with a low score. It has very beneficial features: 0% introductory APR for 6 months and no annual fee. This offer will suit people who like music. You will get 10% discount at online MTV shop and the MTV Store. The great rewards program will let you earn points redeemable for gift cards, MTV events, and airline tickets.

Discover® Student Tropical Beach Card is designed for people with fair credit. It has no annual fee, 0% interest rate on purchases for 6 months and cash rewards program. You can get 5% Cashback Bonus® in such categories as travel, gas, groceries, restaurants and others.

December 2, 2008, 7:51 am
My google search keeps bringing me to your website for a 4.99% life of loan balance transfer card.
Where is it?

During the previous four years, American Express® provided a 4.99% fixed APR on balance transfers for the life of your transferred amount with its Blue and Blue Cash® cards, and a 5.99% fixed APR on balance transfers with its Clear card. However, the bank has changed the terms and conditions of these offers. On September 19th, American Express has reduced the introductory period of its fixed interest rates on balance transfers from life to 1 year.

At the present moment Blue and Blue Cash® from American Express® come with a 2.99% fixed APR on balance transfers for the first 12 months and 3% balance transfer fee (maximum $99). You will also enjoy 0% APR on purchases for up to 12 months and no annual fee.

Clear from American Express® has 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 2, 2008, 5:25 am
where can i get a credit card at 17 years old

Sorry, but our site provides credit card applications only for people over 18 years old.

November 28, 2008, 7:44 am
I would like to get a credit card where I do not have to pay a processing fee and is for people who is trying to re-establish their credit. I know the interest rate is going to high, but I am trying to get my credit reestablish. Thank you.
We have two very attractive offers for people seeking to rebuild their credit. Pay attention to Orchard Bank Classic MasterCard®. It has a 0% introductory APR on balance transfers and purchases. Yes, credit card for bad credit comes with zero interest rate! You will need to pay annual and set up fees, but they are quite moderate for this type of plastics.Another variant is Orchard Bank Low APR MasterCards. This offer includes four cards: Platinum, Gold, Classic, or Secured. They provide an amazing 7.9% - 8.9% APR on purchases. You can qualify for one of the four cards, depending on your FICO score. The bank will recommend you a suitable match when you submit your application. You will receive a response within one minute!
November 20, 2008, 6:57 am
have bad credit is there hopw

Even if you have bad credit, you can still qualify for a credit card. Pay attention to First PREMIER® offers. The bank specializes in providing credit products to people with less than perfect credit. The process of application is fast and easy. Just compare the offers, choose the card you like most and submit the application online. You will receive a bank response within 60 seconds!

We recommend you Gold MasterCard®/Visa or Centennial Gold MasterCard®/Visa from First PREMIER® Bank. They have a low APR on purchases and a 25-day grace period. You can avoid interest charges on current purchases by paying the balance in full before the due date.

People with bad credit can also apply for a secured credit card. It requires a cash collateral deposit for an approval. Consider Black Diamond Visa® from Millennium Bank. It offers a special high introductory savings rate and emergency cash transfers. You will be approved regardless of your credit history!

November 19, 2008, 6:19 am
I want a credit card with my uncle as co-applicant / or co-signer which credit card is best for this

Your uncle needs to have good or excellent credit to become your co-signer. It works this way: your uncle applies online for a suitable credit card and gets approved. Then he contacts the bank and says that he would like to add you to his account. He must tell the bank your Social Security Number. You and your uncle will share the same account, but you will have two different credit cards with different numbers.

On our site you can find various credit offers for people with good to excellent credit. Your uncle can apply for Blue Cash® card from American Express. It has a 0% intro APR on purchases and no annual fee. You can earn up to 5% cash back on everyday purchases - even gasoline!

Another option is More® Card from Discover®. If provides no annual fee and zero introductory rates on purchases and balance transfers. Plus, this card has a lucrative cash back program.

Citi® Platinum Select® Card® issued by Citibank is designed for people with good credit. You will enjoy a 0% APR on balance transfers and purchases and no annual fee. Free online services will help you manage your account online.

November 17, 2008, 5:54 am
I have a secure credit card for the last 7 months and I have been paying the bills correctly. I checked my credit card it was 702 but I heard 7 months is too less a time to determine my credit history. When would be the right time to make a an unsecured credit card application? I also heard that its not advisable to have credit cards of low credit limits.

Having a credit card with a low spending limit doesn't affect your credit score. Credit bureaus take into consideration your payment pattern, utilization ratio, the length of your credit history, the number of new inquiries and the types of credit that you have.

There is only one possible negative aspect of low limits that you should keep in mind: you can easily max out your spending limit. It will hurt your credit score. Try to keep your balance less than 30% of your available credit.

If your FICO score is 702 points, it means that you have significantly improved your credit rating! Congratulations! Now you can qualify for good credit offers. They come with much better features and terms than secured cards. Have a look at Citi® Platinum Select® Card® from Citibank. It comes with no annual fee and a 0% introductory interest rate on balance transfers and purchases. Free online banking services will help you manage your account online and set up automatic payments.

More® Card from Discover® is a good match for people who want to have a beneficial rewards program. You will earn 5% Cashback Bonus® in such categories as travel, home improvement stores, gas, groceries, restaurants, movies and many others.

Blue card from American Express® suits people who want to use their plastic for shopping. It offers no annual fee and a 0% introductory APR on purchases for up to 12 months. An attractive point rewards program will let you earn 1 point for every $1 you spend. The points that can be redeemed for gift cards, hotel stays, merchandise, and unique entertainment experiences.

If you are not sure that your credit rating is high enough to qualify for good credit offers, you may check you FICO score from all the three credit bureaus. It should be 660-749 points.

November 7, 2008, 6:11 am
We have now started paying our Chap 13 BK. Are the only CCs we can get are the First Prem and Centennial? We did not want to file this of course, but had no choice. We have always paid everything ontime.

Bankruptcy can knock your credit score down into the lowest rankings. Potential lenders will consider you as a high risk. Fortunately, this effect doesn't last forever. If you take measures to improve your credit rating, you can qualify for low rate cards down the road.

Credit repair starts with applying for an appropriate offer. Consider a secured credit card, for example Black Diamond Visa® from Millennium Bank or Secured Visa® Credit Card from Applied Bank. You will be approved even if you have the lowest ranking! Both offers require a cash collateral deposit that will become your credit line for that account.

If you want to have a regular plastic, than you need to give the second chance to First PREMIER applications. The bank specializes in offering credit products to people with less than perfect score. Besides Centennial, it has many other credit cards with competitive rates and fees. Look at Gold MasterCard®/Visa - it offers a low APR on purchases and instant response!

Nothing in the finance industry lasts forever. Under Federal laws, bankruptcy can legally remain on your credit report for up to 10 years. You can repair your damaged score by making timely payments and using only a small part of your available credit line.

November 1, 2008, 7:21 am
I'm interested in a secured credit card...is the amount that I put into the account the amount of credit I will receive?

Secured credit cards are an excellent match for people who want to establish, build or rebuild their credit score. They look and work like any other credit cards. The difference is that you need to open and maintain a special savings account which will act as collateral for your credit line. Your spending limit will be equal to your deposit. If you default on payments, the funds in the savings account may be used to eliminate your debt.

On our site you can find two secured credit card applications. Black Diamond Visa® from Millennium Bank comes with a special high introductory savings rate and a spending limit of up to $10.000. You will be approved regardless of your credit history! Secured Visa® Credit Card from Applied Bank offers a low fixed APR - it won't change even if you are late!

If you want to apply for a regular plastic to repair your score, pay attention to First PREMIER® Bank offers. They are specially designed for people with less than perfect credit. Centennial Gold MasterCard®/Visa from First PREMIER® Bank can be a good choice for you. It comes with a low APR on purchases, so you can use it to buy day-to-day items.
October 21, 2008, 7:19 am
Are there any cards that will allow me to make a purchase on the Internet immediately?
Yes, there are a number of instant approval credit card offers online that, if you qualify, would provide you with a temporary card number for making online purchases immediately. To qualify, you need to comply with the issuer's requirements perfectly well. You are required to have good or excellent credit history to be accepted for Blue from American Express®, an instant approval card with no annual fee, low interest rates and point rewards. The other eligibility requirements include: good and stable income, long payment history, low debt-to-credit ratio and some other. Carefully read the card's terms and conditions before you apply.Similarly, More® Card - Clear is also designed for good-to-excellent credit applicants and may grant instant approval if your credit report data qualifies. There should be no bad payments or any inaccuracies in your credit file, so that the issuer can quickly decide whether to issue you credit or not.If your credit is less than good and needs improvement, you can hardly get credit instantly, but you can count on the bank's instant response. If the response is positive, you'll soon get your card and will be able to spend on it. Consider applying for Centennial Gold MasterCard®/Visa.Remember, that instant approval and instant decision may not mean you can use the card number immediately. It's a rare practice today. But, if you are the right applicant, the process can be faster which means you get the card sooner.
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