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What interest rate can I get with 587 as credit score?
587 FICO points on your credit report means that you qualify only for cards for consumers with bad credit. However, you are getting closer to the number that is considered fair (average) - 620. So it is about time to apply for a credit card and improve your credit rating.
The best option for you would be cards issued by First PREMIER. These offers are designed for people whose credit needs some improvement.
The lowest APR you can get right now is 9.9% if you apply for Gold MasterCard®/Visa or Centennial MasterCard®/Visa. These cards have instant approval so you won't have to wait to know whether you are approved or not. Your payment information will be sent to all credit bureaus. These are great cards to improve your credit.
You can also apply for Secured Visa® Credit Card issued by Applied Bank. This is a secured card. That means you will need to make a bank deposit. This card has fixed low 9.9% APR. It won't change even if you are late with your payment.
On the American Express card up to 5% cash back- define the "up to" part-
Thank you for your question.
Blue Cash® from American Express allows you to earn up to 5% cash back. Your rebate is given annually for 12 consecutive billing periods. If you spend up to $6,500 a year your cash back on Everyday Purchases (purchases made at US supermarkets, drugstores and gas stations that are not departments of warehouse clubs or superstores) is 1%. Finance charges, cash advances, fees, or other means of accessing your credit account, balance transfers, purchases of American Express® Gift Cheques or American Express®Travelers Cheques are not considered eligible purchases. Your cash back on all other purchases is 0.5%. If you spend $6,500.01or more your cash back on Everyday Purchases is 5.0% and for all other purchases you get 1.5% cash back.
If you are looking for a cash back card, you might also like Citi CashReturnsSM Card. This card has very low APR and a great rewards program. This offer gives you full 1% cash back on every purchase. And you also receive a 20% bonus on cash back earned during the first year. On top of that you can earn an average of 5% additional cash back if you make your purchases through Citi Bonus Cash Center. This card may work better for you if you spend less than $6,500 a year.
Chase FreedomSM Visa Signature® Card. This card gives you 3% cash back in the 3 Everyday purchases (such as grocery stores, fast food restaurants, gas and convenience stores, etc) where you spend the most each month. For all other purchases you receive 1% cash rebate. After your first purchase you are to receive $50 cash back as a bonus.
Compare these great cash back cards and apply for the one that suits your spending habits.
what credit bearue they look at when you apply for a credit card like american express
Cards offered by American Express are for good and excellent credit only. If your credit score is over 660 FICO points you have good chances to be approved. The best cards issued by American Express are:
Clear from American Express®. It has 0% APR for purchases for 12 months, no annual fee and automatic rewards. It also has fixed low APR on balance transfers.
Starwood Preferred Guest® Card. This is a great card for travelers. It has an excellent frequent flyer program that allows you to transfer your Starpoints to customer loyalty programs of more than 30 airlines. This card can also be used for charitable donations.
True Earnings® Card from Costco and American Express. This is a great card for consumers. You can earn 3% cash back for gasoline, restaurants and travel and 1% everywhere else. This card has no maintenance fee.
do you have a credi card that will allow me a second chance
As far as we can understand from your question you have had some problems with your credit history and now you need a second chance credit card. We recommend you to consider applying for credit cards issued by First PREMIER. These cards are designed especially for those who have bad payment history.
Centennial MasterCard®/Visa or Gold MasterCard®/Visa. These are credit cards with instant decision. You will know whether you are approved or not in less than a minute. These cards have very low APR. All your payment information will be reported to credit bureaus.
If you are not sure that you will be approved for these cards you can start building your credit history with a secured credit card. Our experts recommend Secured Visa® Credit Card issued by Applied Bank. You will have to make a bank deposit to secure your credit account. Your credit limit will be equal to the amount of your deposit.
hi need a credit card with no limits so i can transfer balances of my existing credit cards, so i save some money, can you help me?
Thank you for contacting us. Unfortunately, there are no cards that literally have no limits. Your credit line depends on your credit history and your income. The decision is made by the bank so you won't know your actual credit limit till you are approved for the card. The best solution for you will be to apply for a credit card with 0% APR or fixed low rate on balance transfer. Of course, you will be approved only if you have good credit history. Here are the best cards for balance transfer:
Discover® Card. More Card. This card has 0% intro APR on purchases on balance transfer. You will have up to a year to pay off the balance transferred. The balance transfer charge is 3% but not more than $75. More Card is great for purchases because it gives you excellent rewards.
American Express. Blue from American Express®. This card has very low fixed APR on balance transfer and 0% APR on purchases for up to 15 months. The balance transfer fee rate is also 3%. ($99 maximum). It also has a great rewards program.
Chase Bank. Platinum Visa®. This is another card with 0% APR on balance transfer. The introductory rate is 12 months. The fee is 3% ($75 max). This card has no rewards but its ongoing APR is relatively low.
Apply for the deal that you like best. If you won't be able to transfer balances from all you cards, you can apply for another card with 0% APR later. Just do not apply for several cards at once. Also keep in mind that having more than 5 credit cards looks bad on your credit report.
ia a plus score of 9002 mean i have bad credit?
9002 is a code used by Experian credit card bureau to mark accounts with insufficient information to establish a credit score. That means that most banks will reject your credit card application because your risk score is not calculated. First of all, you need to contact the credit bureau to discuss the matter. Second, you need to start working on your credit history. The best solution in your situation will be to apply for a secured credit card.
To get a secured card you need to make a bank deposit. This deposit will serve as collateral for your new credit account. All your payment activity will be reported to major credit bureaus and that should help you establish your credit history. We recommend the following cards:
Secured Visa® Credit Card issued by Applied Bank. Your income and credit score do not matter. If you make a bank deposit your application will most likely be approved. The card has very low 9.99% APR on purchases that'll remain the same if you miss a payment.
Black Diamond Visa® and Platinum MasterCard® issued by Millennium Bank. Applications for these cards are approved regardless of your credit score. They give extended warranty protection, auto rental insurance and an emergency cash transfer.
I'm 25 years old and i only have 1 card and its a Macy's credit but it doesn't have a major credit card logo i had some problems with a lien on my credit a few years back that was cleared but now when i apply for cards online in stores or even financing at car dealers it always comes back as not enough credit history or lack of credit history but i can't get any credit to actually raise my credit or raise my credit history... What am i to do? I do make about 600 a week and only pay about 600 a month in bills so the moneys there i just need to get my foot in the door! what do you recommend?
First of all, you should request a free credit report from credit bureaus. Very often banks turn down applications because the information they receive from credit bureaus is incomplete or incorrect. You need to make sure that there are no errors on your credit report. After you know that everything is correct you should apply for a credit card.
Since you have an income that allows you to invest in your credit history we recommend you to start with a secured credit card. You need to make a bank deposit to serve as collateral and then request a card. It will be just like a regular credit card, your bank deposit will simply guarantee the bank that if something happens and you are not able to make your payments there are funds to use to pay off your debt. All your payment information will be sent to credit bureaus so you will start building your credit history. Here are secured cards we recommend:
Applied Bank. Secured Visa® Credit Card. The bank will not check your income or credit history. The card has low 9.99% APR that will remain the same even if you miss a payment.
Millennium Bank. Black Diamond Visa®. This card is also approved regardless of your credit history. It has an emergency cash transfer feature and extended warranty protection.
If you would like to get an unsecured card your best choice will be one of the cards issued by First PREMIER, for example, Centennial Gold MasterCard®/Visa. It is a card for consumers with bad credit so there are chances you will be approved.
MY HUSBAND AND I FILED BANKRUPTCY A YEAR A GO? WOULD WE BE CONSIDERED TO HAVE BAD CREDIT B/C OF THAT OR FAIR CREDIT.
I am tired of applying and getting turned down. I applied to the so called bad credit cards for people trying to rebuild credit but I get turned down because of limited credit even when it says limited credit ok. Can you help me
Thank you for contacting us. In your situation we would recommend you to start with requesting your credit report. Sometimes banks turn down applications because some information on your credit report is missing or incorrect. You need to make sure that all the data the credit bureaus have is accurate.
Since a certain number of your applications have been rejected we think a good option for you will be a secured card. You can make a small bank deposit to get a plastic. By making regular payments you have good chances to improve your credit score. We recommend the following offers:
Applied Bank. Secured Visa® Credit Card. You do not have to meet any income or credit requirements to get approved. Low 9.99% will not change even if you miss the payment date. Both financial institutions report your payment information to all major credit bureaus.
Millennium Bank. Black Diamond Visa®. Applications are approved regardless of credit score. It also has special perks including extended warranty protection and emergency cash transfer.
If you would still like to try to get approved for an unsecured credit card the best option is Centennial MasterCard®/Visa by First PREMIER Bank. This card is issued especially for people with bad credit. No bank deposit is needed. Its main advantage is that it has low APR on purchases.
I am looking for a 0% balance transfer with no 3% fee or annual fee. Do you have any companies that offer this at this point?