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October 13, 2008, 7:55 am
I need to find a small business credit card with low interest for balance transfers and then a low interest rate going forward. I need to transfer $5700 of the balance on my high interest credit cards over and then have a credit limit of $20,000. Can you guide me where to look?

If your credit allows you to qualify, you can apply online for one of the exclusive business credit cards with the features described. You should have a credit score varying from 660 to 850 and a long-term favorable payment history. Another major requirement is a high and stable job income to be able to manage the credit line. If it's all about you, look at what we can offer you. Blue for Business® Credit Card from American Express offers low interest rate on balance transfers until paid off and the same low rate after the intro period. Low rate on purchases, no annual fees and point rewards apply. Discover® Business Cashback Card comes with a low intro rate on balance transfers for 6 months and a reasonable rate after the intro period. 5% cash back bonus on business-related purchases apply.Before you apply, carefully learn the issuer's requirements. Make sure that your available credit is not too high already compared to your income. Check for late payments and erase them if there are some. Then, feel free to apply online.
October 7, 2008, 4:55 am
unfortunately i have bad credit. but would like to fix it and also obtain a credit card. I have been trying to apply for a credit card and no one has approved me what should i do
There are some reasonable credit card offers that could help you fix credit. Designed for bad credit applicants, they offer a small initial limit and a range of fees. We would advise you to apply for either Centennial Gold MasterCard®/Visa or Gold MasterCard®/Visa issued by First PREMIER Bank. Both have an attractive APR on purchases and low annual fees. If you pay your bills on time and keep card spending low, you'll be offered a limit increase and will repair your bad credit fast.

You may and you may not be approved for any of these cards depending on how bad your credit is. If you want to have more chances, we suggest you apply for a secured credit card meant for credit repair purposes. Because you secure the credit line with your own cash collateral, it is easier to qualify for. Once you boost your credit, you can change the card for an unsecured plastic.

Evaluate the card's features and compare them side-by-side to make a wise decision. Apply for a credit card online.

October 7, 2008, 4:09 am
I earn $72000 a year. I have some hospital bills against my credit. My bills are all paid. There are some late payments on my credit. Why can'tyou give me a credit card with a minimum credit limit of $1500

The high income is not enough to qualify for a good credit card. The first thing a creditor looks at is your credit score which might be damaged by the late payments in your name. If your score has got a serious hit, you need a credit card to boost it back, or to repair your credit. Unfortunately, all of them offer lower limits than $1 500, but if you use them wisely, the limit will rise. We suggest you consider the following cards:

Centennial Gold MasterCard®/Visa from First PREMIER Bank is a low interest rate plastic with $250 of initial credit limit. Once you make your first two payments on time, it will be increased. Gold MasterCard®/Visa , also from First PREMIER offers the same low APR and reasonable annual fee. These cards are great to get your credit good records, provided you are always on time and never exceed the limit.

If $250 credit limit does not satisfy you, think about a secured card which allows you to set your own limit. Millennium Bank Gold MasterCard® offers up to $10 000 in credit line if you can make a cash collateral deposit of the same amount. After a period of on time payments, the deposit requirement will be waived and you'll upgrade to a standard unsecured credit card with a good limit.

Choose a credit card best fitting your expectations and apply online.

September 9, 2008, 7:39 am
i want to fix my credit. i need a unsecurd credit that doesn't have so many fees to taken out before i receive the card. thank you becky phillips beclar11@aol.com

The choice of the right credit card is of prior importance if you want to rebuild your credit. Also, it is important to apply for a credit card you are most likely to get. If your credit is really bad, the most likely option for you is secured credit card. Many people dislike this kind of a card because it requires a security deposit to be installed before the bank issues a credit line to you. however, this type of plastic prevents you from getting a denial.

If you are eager to get an unsecured credit card, you should be ready to higher than usual interest rates and low credit limit. However, in case you show reliable credit behavior, the bank can cut your interest and increase the credit limit, so it will be necessary to pay on time and in full.

Take a look at the following options for you case.

First PREMIER Centennial Gold MasterCard/Visa provides low APR on purchases, regular $50 credit limit increases and a number of additional services, including 24/7 account access. Actually, this lender presents quite a range of plastics for bad credit history. For example, you can compare this card to another one - First PREMIER MasterCard/Visa that also has quite a low APR on purchases, quick credit decision and the same additional services.

However, if you fear a denial, you can apply for a secured credit card like Applied bank Secured Visa which provides a low fixed interest rate independent of your payment style. You can also choose quite a high credit limit.

September 2, 2008, 4:58 am
Looking for credit card for corporate use that is based only on the corporate credit rating and not on personal credit check.
Corporate credit cards are issued only for business entities that have their own legal existence and independent identity. For example, it should be registered as a Limited Liability Corporation and have its business peripherals. However, even if your company is registered as an LLC, your personal credit still has an impact on the decision made by the potential lender. If your personal credit score is lower than 640 points your application will most likely be denied. Among business credit cards we offer our experts recommend the following deals:Business Platinum Rewards MasterCard® issued by Advanta Bank. This card is excellent for transferring existing balance from other credit cards. It also has a great rewards program.CitiBusiness Card® with ThankYou Network® by CitiBank. This card has a very impressive credit limit and a lucrative rewards program. Discover® Business Cashback Card. It comes with a year-ling intro period with 0% APR on purchases and cash back rewards.
September 2, 2008, 1:12 am
i had an account before, it was closed and it was in collection but they told me i could ask to re-establish my credit back since i already paid in full

There are several ways to re-establish credit. The first one is to apply for one of the cards issued especially for bad credit such as Centennial Gold MasterCard®/Visa or Centennial MasterCard®/Visa by First PREMIER Bank. The special feature of Centennial Gold MasterCard®/Visa is that it allows you to increase your credit limit by making your first minimum payments. If you would like to know right on the spot whether your application is approved you should apply for Centennial Gold MasterCard®/Visa. It comes with instant approval.

Another option is to apply for a secured card such as Secured Visa® Credit Card by Applied Bank. You need to make a bank deposit to make a bank deposit to secure your credit account. With a secured credit card you get better APR.

Compare the two options and apply for the card that suits your needs.

August 27, 2008, 7:40 am
If I want to apply for a secured credit card with a credit limit of $5,000.00 do I need to deposit 5,000 into my bank account to cover the credit limit first?

As a matter of fact, it depends on the issuer and credit card offer. generally, if you want to get a secured credit card, you are supposed to make a security deposit so that the bank could issue a credit limit to you. Different banks can offer different terms and conditions for their secured credit cards. Usually, the minimum credit limit on such a card is $250 - 500. As you show reliable credit behavior, that is pay off your balance intime and in full and avoid going over the limit, the bank can increase your spending limit at your request, so the limit can be up to several thousand dollars. Most banks provide credit limits equal to the security deposit. Compare the following credit card offers to choose the best one.

Applied Bank Secured Visa card provides up to $5.000 credit limit and a fixed APR of 9.99%. It is a very popular credit card among those who is eager to establish or rebuild credit. Another attractive option is Millenium Black Diamond card which can give you up to $10.000 credit limit, has a low APR on purchases and provides travel accident insurance. you can also compare secured credit cards and unsecured ones, for example, First PREMIER Centennial MasterCard/Visa which requires no security deposit, but after some time of accurate usage can give you a good credit limit and a number of benefits.

August 27, 2008, 5:38 am
Can i transfer more than one credit card balance at 0% interest for 15 months?

Before applying for a balance transfer credit card, think of the amount you are going to transfer. It should not exceed the credit limit of your future balance transfer card. When filling out an application for a BT plastic, you are offered to enter at usually 3 - 4 credit card numbers from which you want to transfer balances.

For example, if your credit limit on the new card is $10.000 and you are going to transfer balances of $1.000, 2.000 and 3.000 from the three credit cards, you are free to do it, because the total amount to transfer will be 6.000. As you see, it doesn't matter how many cards' balances you are going to transfer. The amount to transfer is what really matters.

If you are interested in good credit cards for balance transfer, here are some good options. Before application, please, make sure you are eligible for the credit card you've chosen.

Discover More card provides 0% APR for 12 months and the attractive 5% cash back on spendings. The popular Blue Card from AmEX gives you the intro period of 15 months on purchases and the fixed APR of 5.99 % until you balance is paid off! Chase bank Platinum Visa has 0% introductory APR on balance transfers during 12 months and low interest on purchases.

August 26, 2008, 6:48 am
i have a business that i buy approx 20,000.00 in product every month. is there a card that would allow me to get cash back on that much each month if paid off in full each month.

There are several business credit cards you should consider.

Business Platinum Rewards MasterCard® and Life-of-Balance Platinum Card issued by Advanta Bank. There is no limit to the amount of cash back you can earn. Cash Back rewards are earned based on your annual level of Net Purchases (made for business purposes), excluding Bonus Qualifying purchases, as follows: .25% on up to $3,000 in purchases; .50% on purchases between $3,000.01 and $5,000; .75% on purchases between $5,000.01 and $15,000; and 1% on purchases in excess of $15,000. There are also items that are considered Bonus Qualifying Purchases (computers, computer supplies, gasoline and diesel fuel, online advertising services, electronics and office supplies, and utilities and telecommunications.) Your credit limit will depend on your credit history but it might be up to $50,000.

Discover® Business Cashback Card. This card also offers unlimited cash back rewards. Each year, you can earn a full 5% Cashback Bonus on your first $2,000 in office supply purchases as well as a full 2% on your first $2,000 in gas purchases. On top of that, you can earn up to 1% unlimited Cash back Bonus on all other items purchased after your total annual purchases exceed $5,000. On other purchases that are part of your first $5,000 you can earn .25%.

Consider the options and choose the card that suit you best.

August 22, 2008, 5:29 am
garented approval in 30 seconds for credit card

There are cards for different types of credit history that have instant approval. That does not mean that the approval is guaranteed, though. For example, if you are applying for a card for excellent credit you should have a good credit report.

The situation is different for card offers for those with bad credit. First PREMIER Bank gives cards within 60 seconds such as Gold MasterCard®/Visa and Centennial Gold MasterCard®/Visa.

You can also get a card with no credit check at all if you apply for a secured credit card, for example Black Diamond Visa® from Millennium Bank. However, you will have to make a bank deposit first to secure your credit account.

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