Credit Cards Questions & Answers » No Credit Cards http://www.bestcreditoffers.com/faqs Wed, 08 May 2013 11:23:57 +0000 en-US hourly 1 http://wordpress.org/?v=3.5.1 Hello, I just applied for a Capital One® Cash Rewards for Newcomers card and was approved for $1000. After I was approved, I noticed that the card was for people new to the US. I didn’t see that before I applied and, since I am a US citizen, I was wondering if that will affect my eligibility? I hope not. Just double checking. Thanks in advance. Also, I travel to Korea from time to time and I was wondering if I can use this card from overseas? http://www.bestcreditoffers.com/faqs/no-credit-cards/hello-i-just-applied-for-a-capital-one-cash-rewards-for-newcomers-card-and-was-approved-for-1000-after-i-was-approved-i-noticed-that-the-card-was-for-people-new-to-the-us-i-didnt-see-729.html http://www.bestcreditoffers.com/faqs/no-credit-cards/hello-i-just-applied-for-a-capital-one-cash-rewards-for-newcomers-card-and-was-approved-for-1000-after-i-was-approved-i-noticed-that-the-card-was-for-people-new-to-the-us-i-didnt-see-729.html#comments Sat, 20 Apr 2013 08:20:27 +0000 James Williams http://www.bestcreditoffers.com/faqs/?p=729 This won’t affect your eligibility because the Capital One® Cash Rewards for Newcomers credit card is also good for U.S. citizens with no credit or limited credit history. This card is also good for travel since it can be used anywhere it is accepted and it does not charge any foreign transaction fee.

]]> http://www.bestcreditoffers.com/faqs/no-credit-cards/hello-i-just-applied-for-a-capital-one-cash-rewards-for-newcomers-card-and-was-approved-for-1000-after-i-was-approved-i-noticed-that-the-card-was-for-people-new-to-the-us-i-didnt-see-729.html/feed 0 I have a debit account with direct deposit of my ss benefits. I’m trying to build credit but I don’t want a prepaid or secured account. http://www.bestcreditoffers.com/faqs/no-credit-cards/i-have-a-debit-account-with-direct-deposit-of-my-ss-benefits-im-trying-to-build-credit-but-i-dont-want-a-prepaid-or-secured-account-688.html http://www.bestcreditoffers.com/faqs/no-credit-cards/i-have-a-debit-account-with-direct-deposit-of-my-ss-benefits-im-trying-to-build-credit-but-i-dont-want-a-prepaid-or-secured-account-688.html#comments Tue, 22 Jan 2013 10:33:12 +0000 James Williams http://www.bestcreditoffers.com/faqs/?p=688 You can ask the bank you have account with for a credit card. Usually it helps to get a credit card, as bank already knows your creditworthiness. See what they offer and you can compare it with best credit cards we have. Choose the card according to your credit history this will help you lessen the risk of being unapproved.

]]> http://www.bestcreditoffers.com/faqs/no-credit-cards/i-have-a-debit-account-with-direct-deposit-of-my-ss-benefits-im-trying-to-build-credit-but-i-dont-want-a-prepaid-or-secured-account-688.html/feed 0 What is the best card to start with to build credit? My son never had a card but has no debt either. Just needs to establish credit. http://www.bestcreditoffers.com/faqs/no-credit-cards/what-is-the-best-card-to-start-with-to-build-credit-my-son-never-had-a-card-but-has-no-debt-either-just-needs-to-establish-credit-640.html http://www.bestcreditoffers.com/faqs/no-credit-cards/what-is-the-best-card-to-start-with-to-build-credit-my-son-never-had-a-card-but-has-no-debt-either-just-needs-to-establish-credit-640.html#comments Thu, 04 Oct 2012 12:00:32 +0000 Amy Miller http://www.bestcreditoffers.com/faqs/?p=640 Starting credit history from the very beginning is always better than improving it and credit card issuers are not too captious.
Look into credit cards for those with limited/no credit history: these cards are created for newbies. The cards have quite high APRs and fees. However it is possible to find a card with 0 intro APRs or without annual fee. Also some cards offer bonus programs: you can earn points or cash back on purchases you make.
If your son is a student he can apply for Capital One® JourneySM Student Rewards credit card. This card has reasonable APRs, no annual fee and a cash back bonus program.
Every credit card has its pluses and minuses, which will suit your son more depends on his preferences.

]]> http://www.bestcreditoffers.com/faqs/no-credit-cards/what-is-the-best-card-to-start-with-to-build-credit-my-son-never-had-a-card-but-has-no-debt-either-just-needs-to-establish-credit-640.html/feed 0 Al-right I got a Establish New Credit, No Credit Checks it says Congratulation, Clarence You are approved to receive your own $500.00 unsecured Net First Credit Line. An it tells me, to accept your card, visit ww.netfirstplatinum.com an enter your Approved Number; #202517267 Guaranteed Approval $500.00 Unsecured Limit. I was wanting to know if approved? Please reply by July 23, 2012, Net First Card Approved- Distribution center Po box 1275 Indiana, PA 15701-1275 http://www.bestcreditoffers.com/faqs/no-credit-cards/al-right-i-got-a-establish-new-credit-no-credit-checks-it-says-congratulation-clarence-you-are-approved-to-receive-your-own-500-00-unsecured-net-first-credit-line-an-it-tells-me-to-accept-your-ca-614.html http://www.bestcreditoffers.com/faqs/no-credit-cards/al-right-i-got-a-establish-new-credit-no-credit-checks-it-says-congratulation-clarence-you-are-approved-to-receive-your-own-500-00-unsecured-net-first-credit-line-an-it-tells-me-to-accept-your-ca-614.html#comments Fri, 20 Jul 2012 06:11:54 +0000 Amy Miller http://www.bestcreditoffers.com/faqs/?p=614 Glad you addressed us. However, we just place offers from other banks and credit card issuers and barely have the information you need but we can give you some tips.
It is good to be preapproved, isn’t it? But be careful with such offers, they are not always reliable. Besides, pre-approval doesn’t entirely mean that you’re already approved. You just got chance to be approved, nothing more nothing less.
Be wise don’t fall on such seductive offers. It will be better if you ignore them or at least compare with other, similar ones before answering. For example, you can compare with these Limited/No credit cards. These cards have similar terms and conditions or even better. If you browse around a bit, this offer won’t be as attractive as at first sight.
By the way it will be better if you are more careful with your personal information. Take care!

]]> http://www.bestcreditoffers.com/faqs/no-credit-cards/al-right-i-got-a-establish-new-credit-no-credit-checks-it-says-congratulation-clarence-you-are-approved-to-receive-your-own-500-00-unsecured-net-first-credit-line-an-it-tells-me-to-accept-your-ca-614.html/feed 0 What is the minimum amount of monthly income allowed by a Card with the most most lenient set of rules regarding monthly income? I’ll get paid June 1st, and again June 29th. My total income for June, 2012 will be around $979.00. I just need to borrow $200, but I can’t find anyone who will help me. It’s not that I have bad credit…I just don’t have any credit at all. Currently on S.S.Disability, and I get just under $500 monthly via direct deposit into my Chase checking account. All other bills, and living expenses such a food, and medicines, are taken care of by my family and insurance companies. At any rate, this $500 I get every month is used by me for whatever purposes my discretion deems appropriate. Since I need to begin establishing a line of credit for myself, and because I just turned 49 years old last week, and realize life and time are quickly passing me by, I’ve come to believe establishing a good credit history for myself is something that I must begin working toward immediately. I need your help and advice…along with $200 credit until I get my first check June 1st. I will be able to pay off the entire loan, plus any fees than may apply at that time. Sincerely, MARK POWELL http://www.bestcreditoffers.com/faqs/no-credit-cards/what-is-the-minimum-amount-of-monthly-income-allowed-by-a-card-with-the-most-most-lenient-set-of-rules-regarding-monthly-income-ill-get-paid-june-1st-and-again-june-29th-my-total-income-for-june-609.html http://www.bestcreditoffers.com/faqs/no-credit-cards/what-is-the-minimum-amount-of-monthly-income-allowed-by-a-card-with-the-most-most-lenient-set-of-rules-regarding-monthly-income-ill-get-paid-june-1st-and-again-june-29th-my-total-income-for-june-609.html#comments Mon, 14 May 2012 08:50:40 +0000 Amy Miller http://www.bestcreditoffers.com/faqs/?p=609 Taking into account that this is your first credit we can recommend you to see credit card offers in Limited or No Credit Cards section. You can apply online or via the phone (if there’s a phone number near/under Apply button).
We should note that all decisions about credit limit are made by bank only. The height of credit limit is mostly depends on credit score and your income. Though you need quite a low credit limit so it is most probable that you will be approved for such or even higher limit. At least if you want you can ask bank for a particular credit limit, but the last who decides is the bank.
As you will be approved for a desirable credit your credit history will start. First of all to have a credit history at all you should use your card, the often you use your card the better for your score. As you use your card you should always remember that you’d better not to exceed your limit. The optimal variant is to spend only 30% of your credit limit. Always make credit payments on time, without delay or it may ruin your effort to build a good credit history. Manage your credit thoroughly from the very beginning and later you will be rewarded.

]]> http://www.bestcreditoffers.com/faqs/no-credit-cards/what-is-the-minimum-amount-of-monthly-income-allowed-by-a-card-with-the-most-most-lenient-set-of-rules-regarding-monthly-income-ill-get-paid-june-1st-and-again-june-29th-my-total-income-for-june-609.html/feed 0 Am I gonna be able to receive a credit card? I have no credit that I know of and have always been turned down for credit cards. http://www.bestcreditoffers.com/faqs/no-credit-cards/am-i-gonna-be-able-to-receive-a-credit-card-i-have-no-credit-that-i-know-of-and-have-always-been-turned-down-for-credit-cards-377.html http://www.bestcreditoffers.com/faqs/no-credit-cards/am-i-gonna-be-able-to-receive-a-credit-card-i-have-no-credit-that-i-know-of-and-have-always-been-turned-down-for-credit-cards-377.html#comments Thu, 17 Nov 2011 11:45:09 +0000 Amy Miller http://www.bestcreditoffers.com/faqs/?p=377 We advise you to find out why you’ve been denied. If you are turned down, your credit card issuer typically mail you a letter of explanation. You also have the right to receive a free copy of your credit report and your credit score used to make the decision. Check your credit report for errors.

If your applications for unsecured credit cards are rejected, you may consider a co-signer on your credit card application. You may also apply for a secured credit card which can help you build credit if managed responsibly.  

As for the credit cards aimed at limited or no credit, we’ve got great offers you can choose from and apply online for. Please remember that several new applications for credit submitted within a short period of time can lead to more denials.

]]> http://www.bestcreditoffers.com/faqs/no-credit-cards/am-i-gonna-be-able-to-receive-a-credit-card-i-have-no-credit-that-i-know-of-and-have-always-been-turned-down-for-credit-cards-377.html/feed 0 I am new to the U.S. I come from Nigeria and have no credit here. I am a parish priest. How can I go about establishing credit. http://www.bestcreditoffers.com/faqs/no-credit-cards/i-am-new-to-the-u-s-i-come-from-nigeria-and-have-no-credit-here-i-am-a-parish-priest-how-can-i-go-about-establishing-credit-322.html http://www.bestcreditoffers.com/faqs/no-credit-cards/i-am-new-to-the-u-s-i-come-from-nigeria-and-have-no-credit-here-i-am-a-parish-priest-how-can-i-go-about-establishing-credit-322.html#comments Wed, 20 Jul 2011 03:57:16 +0000 James Williams http://www.bestcreditoffers.com/faqs/?p=322 U.S. banks and credit card companies issue credit cards specifically designed for the legal U.S. residents new to credit. At BestCreditCoffers.com we offer no or limited credit credit cards from the most reputable U.S. credit card issuers to apply online for. Please note that when you apply for these credit cards you have to indicate your valid SSN. You can also consider a co-signer on a credit card. Find out which credit card issuers allow co-signing.

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