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August 22, 2008, 1:57 am

It is a wise decision to start rebuilding your credit history with a secured credit card. These cards have lower rates compared to regular credit cards for bad credit and all the payment information goes to credit bureaus. Here are the best secured cards selected by our experts.

Secured Visa® Credit Card from Applied Bank. The greatest advantage of this card is that your low APR won't change even if you are late with your payment. You can choose a credit limit of up to $5,000 by making a bank deposit.

Black Diamond Visa® from Millennium Bank. Your application will be approved regardless of your credit history because the bank does not do a credit check. The credit limit is up to $10,000. You also receive a $10,000 accident insurance.

Since you have already paid off your debt you might qualify for one of the unsecured cards issued by First PREMIER such as Centennial Gold MasterCard®/Visa. Since it has relatively low APR on purchases the card is the most popular unsecured deal for consumers with bad credit.

August 22, 2008, 1:16 am
re: all unsecured credit cards for poor, bad, problems that exist EXCEPT cards offered or affiliated FIRST PREMIERE! Please locate if any exist!

A good way to rebuild credit is to apply for a secured credit card. You need to make a bank deposit to secure your credit account. The rates on such cards are much lower than those on First PREMIER cards and all the payment information goes to the credit bureau.

Our experts recommend Secured Visa® Credit Card from Applied Bank and Black Diamond Visa® issued by Millennium Bank. These are cards are designed especially for consumers with damaged credit history.

If you need an unsecured credit card consider Orchard Bank Classic MasterCard®. Even though it is a card for consumers with bad/no credit it has 0% APR on purchases for 6 months. You can use online enrollment to receive email and text messages when the due date comes.

August 22, 2008, 1:01 am
What is the best credit card for short term use? What if you know you need a certin amout of credit, is there anyway to get it on one card instead of applying for several?

If you are planning to pay off your balance in full each month the best option for you will be a charge card. It is similar to a credit card but there is no ‘minimum payment' - you have to pay off the whole amount borrowed by the end of the billing cycle. It works almost like a short-term loan. The biggest advantage of these cards is that the interest rate is usually very low. Some issuers such as American Express allow customers to pay for significant purchases over time (for example, with an American Express card you can enroll in the Extended Payment Program or Sign & Travel Program).

Consider such cards as Preferred Rewards Green Card or The Gold Card from American Express OPENSM with no pre-set spending limit and finance charges. Compare the rewards programs and select the card that suits your spending habits. Keep in mind that these cards are for good and excellent credit only.

If you do not want a charge card and would like to get a regular credit card to be able to make only minimum payments One from American Express® is a good option. This card also has no pre-set spending limit. This is an instant approval card is you will know whether your application is approved within 60 seconds. This deal is for consumers with good/excellent credit as well.

August 21, 2008, 4:08 am
I have "good" credit. Credit score of 681 and a very high income to debt ratio. I am looking for the lowest rate on a credit card with an introductory of 0% for about 12 months. I do not care about ant "rewards" at all. What's the best card for me?helpme

The card that has the longest intro period (15 months) with 0% APR on purchases is Blue from American Express. It has no annual fee and very low ongoing APR. It also has very low APR on balance transfer until it is paid off.

Platinum Visa® from Chase is another great card for purchases. The 0% intro APR is valid for 12 months. The card has no maintenance fee and low APR. Free Cash RewardsSM Visa® Card has similar features but also offers a cashback program.

August 19, 2008, 4:21 am
which credit card is the best for balance transfers with a 0% for a person with a credit score of 700

Your credit score is really high, and you have all the chances to find the right card with which you can save a lot.

When it comes to balance transfers, there can be several great options. If the balance you're going to transfer is not that heavy and you can pay it off within the introductory period, cards with a 0% Intro APR are the best.

Discover More Card can be a smart choice for you. This card gives you 0% promotional rates on balance transfers within 12 months. Plus, it has no annual fee, so you don't have to pay extra charges for the maintenance of the card. Unfortunately, there are no 0% balance transfer cards available on offer that do not charge a balance transfer fee.

This card comes with a balance transfer fee of 3% with cap of $75. It means you will pay a fee of no more than $75 when transferring your balance from one card to another.

Another card offering 0% intro rates on balance transfers within 12 months is Platinum Visa by Chase. This card also comes with 0% rates on purchases and no annual fee. It has a capped balance transfer fee of 3%.

Citi Platinum Select Card is also a good choice. It gives 0% rates on both balance transfers and purchases for up to 12 months. Again, no annual fee is required to be paid. Plus, it has low ongoing interest rates. Look through these offers, compare their features and make your choice. Good luck!

August 18, 2008, 3:55 am
just got discharged for bankruptcy how long does it take for me to get a credit card
Bankruptcy is a complicated problem for a credit card holder, but there is always a way to improve the situation. Bankruptcy does not only make your credit rating lower, it leaves the negative record on your credit report which stays there for 5 – 7 years. Few banks provide credit card offers for people who filed for it, but there are companies offering credit cards for those who want to rebuild their credit after bankruptcy. You can consider the following options.Secured credit cards are known to be easily approved, because you make a security deposit which guarantees you will pay off your debt. Besides, secured cards can have lower fees and interest in comparison with unsecured plastics for bad/no credit. Try Platinum MasterCard by Millennium bank which provides credit limits of up to $10,000 and has the same interest rate on purchases and cash advance. First PREMIER bank introduces a range of credit options for people with damaged credit. Check out the bank's unsecured credit cards for low credit score. Compare First PREMIER Centennial Visa/MasterCard or Centennial Gold Visa/MasterCard – they have moderate APR and fees. Besides, the bank provides quick guaranteed approval for all applicants and reports to all major credit bureaus.No matter which credit card you will choose, your success in credit rebuilding depends on how accurate you are with your payments. Pay on time, make more than minimum payments and keep within your credit limit, and you will be able to significantly improve your credit.Good luck!
August 15, 2008, 5:03 am
You show 2 Discover card offers for balance transfers with introductory rates of 0% for 12 months and a maximum transfer fee of $75. When I go to apply, it indicates that transfers are at a "low" rate of 149%!!!!!
Anyone would have to be crazy to transfer a balance at 149%. How can I be sure I'll get a 0% rate? I don't want to give them transfer information and risk having a balance transferred at a ridiculously high rate unless I'm sure of what I'm getting!

For those consumers who wish to transfer their current balance our experts have selected best credit card offers. Among them are two great cards from Discover - More Card and More Card - Clear. Both of them have 0% APR on balance transfer for 12 months. We are not sure where you saw the 149% interest rate but most likely there was a temporary error on the banks page. Please take a close look at the terms and conditions of the offer.

If you feel uncomfortable applying for a Discover credit card consider other offers. For example, Platinum Visa® issued by Chase Bank also has 0% APR for balance transfer for 12 months.

August 15, 2008, 1:58 am
i dont have good credit, though i have a co signer with excellent credit, i want to rebuild my credit, though i dont want any first premier credit cards, are there any credit cards out there they will allow a co signer and that it will buid my credit as well

There are several options available for you. First of all, consider getting a secured credit card. You need to make a bank deposit that will secure your credit account. The more money you deposit the bigger your credit limit will be. All your payment information will be sent to credit bureaus.

We recommend the following secured credit cards: Secured Visa® Credit Card issued by Applied Bank and Black Diamond Visa® by Millennium Bank. These cards give an excellent opportunity to rebuild credit.

If you are not interested in secured offers you can apply for an unsecured on. Since you do not want any First PREMIER cards a good deal for you would be Orchard Bank Classic MasterCard®. This card is ok for consumers with damaged credit. It also gives you 0% intro APR for 6 months.

August 10, 2008, 11:49 pm
i am looking for a secured credit card, can i put more money on the card other then the 200.

Secured credit cards are the best way to build or rebuild credit. Applications are approved without a credit check. That is why you need to somehow guarantee the bank that you have funds to make your payments. Therefore a bank deposit is needed.

The best secured cards chosen by our clients are Secured Visa® Credit Card issued by Applied Bank and Black Diamond Visa® issued by Millennium Bank. All of them require a bank deposit. Minimum deposit for Secured Visa® Credit Card is $200, for Black Diamond Visa® - $300.

If you are not able to make a bank deposit consider applying for a credit card for those with bad credit history. We recommend Centennial Gold MasterCard®/Visa by First PREMIER Bank. It has very reasonable APR on purchases. You can also get a $50 limit increase by making your first 2 minimum payments.

August 8, 2008, 6:36 am
I need a limited gas credit card for my business.

There are several cards that might work for you.

Business Platinum Rewards MasterCard® issued by Advanta Bank. This card gives you 5% cash back on the first $1,500 on eligible purchases, including gasoline and diesel fuel annually, and 1% on all other purchases. If you already have a credit card a good idea is to transfer your current balance because this card has 0% APR on balance transfer for 15 months.

Chase Business Rebate Card. This card gives you 3% cash back for purchases at gas stations, restaurants, building supply stores and office supply stores and 1% cash back on other purchases. This card also gives you 0% APR for 15 months.

Discover® Business Cashback Card. You get 2% cash back on gas, 5% on office supplies and 1% on everything else. On top of that you receive $100 cashback bonus as soon as your application is approved. This card comes with 0% intro APR for a year.

Compare the deals and apply for the one you like best.

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