 |
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 140 to 150 (of 225 questions) |
Page: 15 of 23 |
 |
|
Date:
February 18, 2008, 3:08 am |
 |
I apply for your citicard. I was aprove on line for 3,500 line of credit,
I would like to know the where is my card?
Yvonne H Strong |
|
Answer:
If you score is high enough you may be eligible for the best cards and receive instant approval online. However mind that even if you are approved the plastic card itself will come to you later. You need not to worry as it generally takes some time before the card arrives to you. After you are approved the bank sends the card itself and all the necessary documentation to you by post. So, you should be patient and wait a bit. The period of card delivery may vary because it depends largely on the work of the post office and on your location. In case you don't get a card for a long time, contact the bank by phone or through its official website and clear out the situation there. |
|
|
|
Date:
February 18, 2008, 3:08 am |
|
|
need too improve my credit with a credit card but my score is poor |
|
Answer:
Nowadays credit cards are an extremely widespread financial tool that is available practically for everyone. Even if you score is poor you still can apply for certain cards and be approved. Our site provides you an opportunity to look through the deals for bad credit and compare the best offers for people who want to improve their history. At present deals for poor score are presented by many banks, including Columbus, Dakota, Millennium and Orchard. Another way to go is to turn to one of the so-called secured cards. These ones require you to deposit a certain amount of money to a bank account to guarantee your ability to pay off in the future. Compare all of the terms and conditions attentively. Fill the application, submit it online and wait for an approval. |
|
|
|
Date:
February 18, 2008, 3:08 am |
|
|
How can I get a credit card that is not First Premier Bank Credit Cards with a credit score of 540? |
|
Answer:
The credit score is the key factor that determines your chances to be approved or denied for this or that credit card. If your score amounts to 540 it falls into “bad credit” category. This means you are only eligible for the offers for people with bad history. On our website you can find some deals of that kind. If you don’t want to apply for First PREMIER cards, you are able to turn to one of the offers from Orchard bank. In addition, such banks as Millennium, Dakota and Columbus present some offers for those whose score is below 620. Besides, consider Total Visa Card and Access Visa Card from Commerce bank. Another way to build up your credit is to apply for one of the so-called secured credit cards (for example, from Orchard). With this card you will have to deposit some amount of money to guarantee your ability to pay. On our site you can find several variants of these cards too. After you’ve chosen the card you like just click “apply” and submit an application online. The bank will consider it and send you the card by post. |
|
|
|
Date:
February 18, 2008, 3:08 am |
|
|
I have a valid credit card but not that much credit can i still be approved for one of your cards other than a prepaid one? |
|
Answer:
The most important factor that determines whether you are able to receive a card or not is your credit history and your current score. So before submitting an application request your reports from all three bureaus – Experian, Equifax and TransUnion – and learn which type of cards you are eligible for. If you use your existent card lightly and pay all the bills on time your score won’t be low. However if your score is below 620 you will only be approved either for secured cards or for ones for bad credit. With secured card you will have to deposit money into a bank account to ensure your ability to pay. If you don’t wish to deposit anything, pay your attention to deals for bad score. Consider all the variants carefully and choose the one that suits you most. |
|
|
|
Date:
February 18, 2008, 3:08 am |
|
|
I need a credit card to build my credit and none of the credit cards ive went to has accepted me. |
|
Answer:
To begin with, it must be said that disorganized applications won’t actually do you any good. You see, each denial hits your score, which in turn reduces your chances to be approved in the future. Thus, if you’ve made a decision to get a card you should choose it very carefully and apply only in case you are sure you are eligible for it. The key factor that determines your chances of being approved is your credit score. Thus, request your report and learn your current score. If score is low (below 620) you can only apply for deals for bad credit. At the moment a lot of issuers including Columbus, Dakota, Millennium and Orchard, offer deals for bad credit. On our site turn to the section devoted to cards for bad credit. Consider all the information about each of them, compare the present offers and choose one that suits your requirements. Another way to restore your credit is to apply for one of secured credit cards. This card requires you to deposit some sum to ensure your ability to pay. After you’ve chosen the card you like just click “apply”, fill the required form and submit an application through our service. All the best, Manager of Immediate Credit Card Care Service |
|
|
|
Date:
February 18, 2008, 3:08 am |
|
|
I have two credit cards that I would like to consolidate onto one card with 0% apr for 12 months. The two cards total $7000 debt. Is there any card or offer I qualify for which meets these requirements? |
|
Answer:
Whether you qualify for a certain card or not depends mainly on your current credit score. That’s why before submitting an application it is recommended that you request your reports from all three credit bureaus and consider your scores. The best balance transfer cards are available for those whose score is either good (660-749) or excellent (750-850). Balance transfer deals allow you to consolidate your debt in one card and saving your money. Most balance transfer cards offer no annual fee and 0% APR on balance transfers during the introductory period. The introductory period usually varies from 6 to 15 months. If you want 0% intro APR on balance transfers for 12 months pay your attention to Discover® Card or Chase Bank Platinum Visa®. Anyway we recommend you to look through all offers for balance transfers, to compare the terms and conditions and to decide which card would be best for you. |
|
|
|
Date:
February 18, 2008, 3:08 am |
|
|
I don't have bad credit but I had problems in the past. I'd like to look for a card with a 702 credit score |
|
Answer:
Your credit score is good (702), that's why you are actually eligible for the best credit cards. Your opportunities are in fact limited only by your needs and wishes. However, as far as you had problems in the past we would recommend you to request your score from all three credit bureaus, not only one of them. The fact is that the figures may differ, and the lenders generally look at the lowest score, not at the highest one. So, if your lowest score is below 660, you’d better choose among the cards for fair credit. If it is higher, you can apply for the good credit cards. On our web-site you can find and compare the best cards from the most famous companies - American Express, Discover. Most of them offer rather favorable terms for those whose credit is good. So, read all the details concerning each card carefully, compare the deals and choose the card that suits you most. All the best, Manager of Immediate Credit Card Care Service |
|
|
|
Date:
February 18, 2008, 3:08 am |
|
|
My credit score is 606 is this considered fair or poor credit. What companies can I apply to for a credit card? |
|
Answer:
Your credit score is determined by on time payment, income, credit availability and duration of payment history. With 606 points FICO score you may qualify for a limited credit card. You may also try to qualify for a credit that needs some improvement or limited credit. Compare credit cards for your type of credit history and improve your credit rating. |
|
|
|
Date:
February 18, 2008, 3:08 am |
|
|
credit cards applications that use equifax exclusivly |
|
Answer:
Credit bureaus are reporting agencies that collect information about consumers and provide it to banks and other issuers. The three major bureaus are Experian, Equifax and TransUnion. These companies form your credit report according to the data submitted to them by various issuers and lenders. As a matter of fact all issuers must report to all three bureaus, but in practice some lenders report to only one or two of them; that's why it is important to request the reports regularly and make sure that there are no mistakes or omissions. Talking about card issuers they generally request information from all three bureaus when making a decision on whether you qualify for a chosen deal or not. They look at all three scores and as a rule are guided by the lowest one. Thus, it is important to keep the scores equal. Applying for a card using only Equifax score is quite risky because if your other scores are lower you may be denied and your score will be damaged. |
|
|
|
Date:
February 18, 2008, 3:08 am |
|
|
Do all credit cards charge the 3% transaction fee for balance transfers? |
|
Answer:
A balance transfer fee is a once-only fee that the credit card company charges you in order to transfer your balances from other credit cards to their credit card. Generally the best deals for balance transfers offer you 0% interest rate for a specified time (usually from 6 to 15 months). However you have to pay a "balance transfer fee", that is a fee some issuers charge to transfer the balance from one credit card to another. For example, this fee on Discover, Citibank deals amounts to 3%. However this fee is not an indispensable feature of all balance transfer cards. There are deals without this fee - for instance, Blue from American Express as well as American Express IN:NYC, IN:LA and IN:CHICAGO. Compare these offers and apply online for one that suits you most. |
|
|
|
|
|
|
