 |
Immediate credit card care service
Answering your questions is our job and we love it! |
|
 |
Probably the answer to your question is already in our databank.
Please use Search before you ask a question. |
|
|
|
|
|
|
|
|
|
|
Use search form or post your question. |
|
Note: Please do not include any private financial information such as your SSN#, your real full name, credit or debit account numbers when you submit a question.
By submitting a question you agree to the Terms and Conditions.
|
|
Displaying 130 to 140 (of 225 questions) |
Page: 14 of 23 |
 |
|
Date:
October 3, 2007, 11:24 pm |
 |
My bankruptcy discharged in Jan 07 can I get a no annual fee card? |
|
Answer:
As a matter of fact various issuers have various requirements concerning customers with the bankruptcy in the past. But according to the First Premier, for instance, you should have your bankruptcy finalized at least 6 month ago in order to qualify for one of its credit deals. Still, the fact that you had bankruptcy stays on your credit report for 7 to 11 years. That does not mean that you are not eligible for a credit card, but it may be more expensive than before, and available with lower limits. A secured credit card is a good way to establish a history after bankruptcy and it is generally offered with lower rates than unsecured cards. Rebuilding credit worthiness depends on the usage of the card. If you use it carefully and pay off your bills on time, you'll benefit from cards for bad credit. However all of them charge annual fee. Deals without annual fee are offered only to those whose history is either good or excellent. Mind that before applying for the card, it's necessary to get your credit report first and correct any mistakes in case you find them. Then, you're welcome to compare the best bad credit cards or secured cards, presented at our website and apply for the one that suits you most. All the best, Manager of Immediate Credit Card Care Service |
|
|
|
Date:
October 6, 2007, 5:32 am |
|
|
i need infermatiom on you credit card |
|
Answer:
Our web-site gives you an opportunity to compare the best credit cards from most reliable issuers and choose the one that complies with your needs and requirements. Here you are able to find adequate information about all types of them - bad/no history credit cards, cards for fair credit, best cards of all, etc. The first and the most crucial thing you should do is to request your credit report and choose one according to your current score. Mind that your score is of extreme significance and by far determines your opportunities. Make your choice carefully because if your score is not high enough you'll be denied and your score will be further damaged. If your current score is below 620 turn to bad credit offers, if it amounts to 620-659 choose among fair credit cards, and if it is above 660 you are eligible for deals for people with good history. After you've chosen the card you need you only have to fill the required application form and submit it online. When your application is approved, you credit card will be sent to you by post. If you have any questions concerning the choice of cards, we'll gladly try to help you. All the best, Manager of Immediate Credit Card Care Service |
|
|
|
Date:
December 18, 2007, 6:50 am |
|
|
Interested in getting best travel cr. card to obtain best travel points. suggestions? |
|
Answer:
We can offer the whole range of frequent flyer cards and hotel rewards cards. These cards are designed for those who travel frequently and would like to earn rewards that can be used for travel purposes like free hotel stays and others. We would like to suggest Miles by Discover Card by Discover. It will give you air miles rewards for simply making purchases and accumulating points. The points can then be redeemed for travel rewards. This card allows to book your travel any time with no blackout dates or restrictions. |
|
|
|
Date:
January 31, 2008, 5:40 am |
|
|
what does unsecured card mean |
|
Answer:
Unsecured cards are credit cards that are not secured by the deposit. Customers qualify based on credit history, financial strength and earnings potential, compared to secured cards, which need collateral for approval. The amount of security deposit usually determines the credit limit for a secured card. These cards are designed for people with no or poor credit who are trying to build their credit history. |
|
|
|
Date:
February 14, 2008, 12:59 am |
|
|
i would like to get instant credit |
|
Answer:
Instant approval credit card implies an instant decision about credit card issuance. It can be both for good and bad credit history with different terms. There are instant approval credit cards that you can use right after approval. The bank can show you your credit card number and expiration date, and you can shop online or by phone with it. The example of such card is the Blue from American Express. This card is for good or excellent credit history only. It offers no annual fee, 0% APR on purchases for 15 months. |
|
|
|
Date:
February 18, 2008, 3:08 am |
|
|
I want a card with low interest rats |
|
Answer:
Interest rate is the money that you pay to the lender for using his money. Of course cards with the lowest rates are among the most desirable ones. Today many credit companies offer such type of cards for their customers. Mind, however, that generally they are available for people with either good or excellent history. So, before applying for one of the low APR cards turn to your credit score and make sure that you are eligible for it. On our web-site you can find several low rate credit card offers from American Express, Discover, Chase bank, Capital One, etc. Look through them and read all the information concerning amount of fees, payments, % APR and other terms. Compare the offers and choose the one that suits your requirements. Then you are able to apply for a chosen card online and in some cases even get an instant approval. |
|
|
|
Date:
February 18, 2008, 3:08 am |
|
|
I am looking for a card that has 0% on balance transfers for 12 months. Does that also mean that there is no transaction fees associated with the balance that is getting transfered? |
|
Answer:
A credit card balance transfer implies reallocating your debt from high rate card to a better one. It's often used to save money, because the majority of credit companies offer no annual fee and 0% APR on balance transfers for new customers. Besides, it is also possible to consolidate debt from more than one card. Mind that these cards are created primarily for people with good or excellent history, so request your report before applying for a card. Check it for any mistakes and if you find any correct them immediately. Learn your credit score. If it is above 660 you are certainly eligible for one of the 0% balance transfer cards. At our site you can find the best balance transfer cards applications that will help you solve the problem of debt. Their terms differ, and it is only up to you to decide which offer suits you most. For example, Discover® Card offers 0% on balance transfers for 12 months and Blue from American Express® and American Express IN:NYC charge no balance transfer fees. Compare all 0% balance transfer cards options properly, fill the application and submit it online. |
|
|
|
Date:
February 18, 2008, 3:08 am |
|
|
My credit is improving but still not good enough to get a 0% interest balance transfer. I want transfer my credit cards (3) that equals about 2000.00 to one credit card with lower interest. Do you have any suggestions? |
|
Answer:
Balance transfer is a popular tool to consolidate the whole debt on the one card that generally has better terms – lower APR, no extra fees, etc. Thus, balance transfer cards can be a good way to cut down debt, to save money and to improve the credit score. However the best balance transfer cards are obtainable only by people with either good or excellent credit (that is whose credit score is above 620). Still, even if your score is yet not high enough that does not mean you can’t make a transfer of balance. There are cards for people with fair and bad credit that permit to accomplish balance transfers. These are the cards for the people who want to improve their history. They offer no introductory period with 0% APR, nevertheless the balance transfer is possible. Read all the information concerning these cards and if they comply with your requirements apply for one of them online. All the best, Manager of Immediate Credit Card Care Service |
|
|
|
Date:
February 18, 2008, 3:08 am |
|
|
My name is Charles E. Carroll Jr. All of my life, I've tried to avoid the aggrivation of credit debts by not putting myself in the position of having alot of bills. This worked for me for a while. However, in these days and time, credit seems to be very important so I took the liberty of appllying for several unsecured credit cards. Because of my credit history (having no credit), I found myself being denied time after time. Please! tell me what I can do to rectify this situation. |
|
Answer:
First of all it is not a good idea to apply for many cards, because if you are not eligible for them you’ll be denied, and each denial hurts your credit history which in turn reduces your chances of being approved. It is a vicious circle. That’s why it would be better to stop and to choose one card that will suit your needs and your current score. At the moment many banks, such as Columbus, Dakota, First PREMIER, Millennium and Orchard, offer cards for those who have no credit. On our site you can turn to the page devoted to such cards. Read and fully understand all the information about each card, compare the present deals and choose one that suits your requirements. Besides, you can apply for a secured credit card. To obtain it you will have to deposit some money to ensure your ability to pay. Another way to build up your credit is to become an authorized user of somebody’s one or several cards. In this case you will not get the status of a cardholder but all the information concerning the usage of cards (both positive and negative) will certainly be reflected in your report. Finally you can draw a co-signer with good score that is a person who will be responsible if you do not pay your bills on time. If you use the cards lightly and make all the payments on time it will affect your credit in a positive way and in time you’ll become eligible for the best cards. |
|
|
|
Date:
February 18, 2008, 3:08 am |
|
|
were do i find credit card balance transfers to 1-2 cards i have 5 |
|
Answer:
If you are eager to consolidate your debt on one card a transfer of balance can be a fine way to work it out. There is a certain type of credit cards – the so-called balance transfer cards – that will allow you to implement that. Balance transfer implies reallocating your debt from high rate card to a better one. It's often used to reduce debt and save money, because the majority of lenders offer no annual fee and 0% APR on balance transfers for new customers. On our website you can find the best balance transfer applications that will help you solve the problem of debt. So, look through the section devoted to such deals, read all the information concerning each of them, compare all the options and choose the card that complies with your requirements. Then fill the application and submit it online. However you should keep in mind that these cards are designed mainly for people with good or excellent credit history, so request your report and learn your score before applying for a card. |
|
|
|
|
|
|
