Credit Card Banks FAQs


Do you have a million questions jumbled up in your mind regarding credit cards and the credit card application process? Don't worry, you are not alone! Our site has been designed to be simple to use and navigate in order to eliminate any potential hassles and frustrations surrounding the credit card application process. Our experts have already taken it upon themselves to thoroughly analyze and evaluate all of the popular credit card available on the market today and have laid them out in an easy-to-understand format, touting the best features of each.
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It is hard to say which one of the three major credit bureaus is used most by the banks and credit card issuers to view credit scores. Every bank has its own preferences and one bank may pull different reports in different states. Some banks pull credit reports from all three major credit bureaus. Therefore, […]

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Here are FICO scores for each credit rating: – Excellent: 750-850 – Good: 700-749 – Fair: 640-699 – Bad: 350-639 The scoring model of different credit bureaus may slightly differ because each credit bureaus uses its own formula but the average numbers are as shown above.

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The credit card companies and banks do not have an obligation to send a copy of credit report to consumers. You can call the company and ask them to send you a copy of your credit report. The company may send you the copy or may not, depends on their policy and practice. You can […]

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Macy’s credit cards are usually aimed at people with good credit history. And we do not currently offer them. However, you can apply for a general credit card which can also be accepted at Macy’s. The general credit cards can be used everywhere they are accepted – stores, gas stations, restaurants, etc. – whereas Macy’s […]

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You should show at least a year of responsible credit card use. For that you should make on time monthly payments on your credit card and stay within credit limit. Only then you can contact your credit issuer and ask for credit increase. Some issuers may offer you credit increase if they see you can […]

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If you are afraid of fraud when using your credit card online, use your card on secure web sites that you can be 100% sure are legitimate. To be sure a website is secure, look at the URL. If a page is secure, the URL begins with “https” – note the “s” at the end. […]

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If you are approved for a card you will receive an email saying that you are approved. Then a letter stating the same will come at the address you wrote in an application. Note, if you are approved and received an email confirmation, the actual card will come to your mailbox. Make sure you’ve changed […]

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