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Immediate credit card care service
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Displaying 40 to 50 (of 225 questions) |
Page: 5 of 23 |
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Date:
November 14, 2006, 2:04 am |
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what kind of credit cards have joint accounts so i can improve my credit and have a low APR. |
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Answer:
If you have a credit card and pay it off accurately, you improve your credit. But if you have no enough credit for a low APR, you have to search for a credit card that fits your needs.
Best,
Manager of Immediate Credit Card Care Service |
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Date:
November 14, 2006, 2:06 am |
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i want to apply for numerous credit cards at one time without having to filll out so many application. cant i i just do one and appply for credit that way? thank you angie byers |
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Answer:
I think it is impossible, as some banks may have different applications forms. Maybe you can do it at official site fo some banks, but there is little possibility of it.
Best,
Manager of Immediate Credit Card Care Service |
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Date:
December 28, 2006, 4:00 am |
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What is the formula for calculating payment, e.g., I received an offer to use checks and the interest rate would be 5.99 for the duration of the loan. How many months does this cover. I can figure the interest on the amount I\'m interested in, but what is the monthly principal payment. I\'m looking at $8,000 to pay off a higher interest loan. |
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Answer:
As we are not credit card issuers, so I can't say for how many months you will have to pay off your credit card. You find this information in the terms&conditions of your credit card or ask the bank's customer service.
So, to calculate your monthly payment, you should know the amount of your total payment (credit plus the percentage rate amount) and divide this figure by the number of months during which you are going to pay off the balance.
Besides, you can often find credit calculator at the official site of your bank, so you will only have to enter the figures and you will get the result.
Best,
Manager of Immediate Credit Card Care Service |
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Date:
December 28, 2006, 5:03 am |
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what is the best card to apply for when you do not have credit, and what credit card companies are willing to issues you a card with out a credit history |
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Answer:
People with no credit in most cases start with a secured credit card, for which you should previously obtain a bank account (the amount of which will determine the credit limit, and it will be colateral for the credit, that covers the risks of the bank). Such credit card will not have an extensive credit line and will imply rather high charges.
You can also try to get a cosigner credit card, for which you should ask a relative or a friend with good to excellent credit apply for a good credit card and sign you up as a co-borrower. Both of you will be responsible for the credit, but the charges will be as those of a good credit card and you will add something to your credit rating.
But still it is better to have a credit card in your own name, so if you want to be independent, get a secured credit card.
There are several credit card companies that focus on customers with bad credit: First Premier bank, Orchard bank, Capital One, etc.
Best,
Manager of Immediate Credit Card Care Service |
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Date:
December 28, 2006, 5:13 am |
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I Just come to States for about 2 months ago, i need to apply some credit cards is't possible even i'm still looking for a jobs right now? I have some credit cards from my country (Indonesia) n my credit was good. |
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Answer:
If you have got social security number, you can apply for a credit card in the United States. But the matter is that your good credit history earned in your country has no significance in this country, so you have to start building your credit history from the very beginning.
Apply for a no/bad credit card to accumulate points, you can hold several credit cards concurrently to fasten the process of building your credit, after which you will be able to apply for good credit cards implying beneficial terms&conditions and giving you more extensive credit line.
If you are not employed, you won't be able to apply for a card, except if you get state support.
Best,
Manager of Immediate Credit Card Care Service |
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Date:
January 16, 2007, 6:40 am |
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what does no transfer fee indicate |
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Answer:
If your credit card implies no balance transfer fee, it means, you can do balance transfers without paying for the transaction processing, so you'll just have to pay APR for the amount transferred on your present balance (according to terms and conditions of your credit card). No balance transfer fee credit cards in the majority of cases require good and excellent credit history, so they can be classified as beneficial credit cards, since good credit cards have lower fees and charges than others.
If you are interested to apply for a balance transfer credit card, welcome to our page of no balance transfer fee credit cards. Make sure you have good credit history and start choosing a card for you.
Best,
Manager of Immediate Credit Card Care Service |
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Date:
January 16, 2007, 6:50 am |
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can you direct me to a joint credit card?..myself and mother would like to have a joint credit card.
thank you
stefanie |
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Answer:
We carry joint credit cards for spouses, so they won't fit your needs and requirements, I think.
You choice depends on your credit history and needs, of course. If some of you has bad credit and the other has good credit, the latter can apply for a good credit card and sign the other as a co-borrower. Both of you will be responsible for the credit, but if any of you fail to pay, the other will have to pay off the debt.
Another option is to order an additional card for the current credit card, so both of you will be able to use the card, but the card can be registered in the name of one of you. In this case you can choose a credit card according to your credit score and current needs.
Best,
Manager of Immediate Credit Card Care Service |
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Date:
January 16, 2007, 7:33 am |
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How soon will I know approval? How quickly will I able be to d the actual transfer? I have a Feb 1st date that must be keep |
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Answer:
It's impossible to define an exact date or time, as it depends on the bank, type of credit card or your credit history. The bank needs some time to make an inquiry to the credit bureau, consider your credit history and make a decision. If you applied for an instant approval credit card, you can receive an approval in seconds. In other cases, the bank can send you an approval in several hours or days.
As far as balance transfer is concerned, it is only the bank that can indicate when and in what way a balance transfer is processed - to learn this, you can look up in terms and conditions of the credit card or call the customer service of the bank.
Best,
Manager of Immediate Credit Card Care Service |
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Date:
January 16, 2007, 7:40 am |
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I'm looking for a card that will take my $4500. balance transfer my credit is not that good at this time |
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Answer:
If your credit is worse than good, no credit card company will approve you for a balance transfer credit card (to make sure, you can look at Apply now balance transfer credit cards presented at our site).
You should improve your credit until it is good, so that you won't receive a denial and decrease your credit rating even more. Try to pay this debt off as soon as possible, maybe get another credit card according to your credit, so that your score will quickly grow, and after that is will be possible for you to apply for beneficial credit cards and use all the advantages a good credit card can give.
Best,
Manager of Immediate Credit Card Care Service |
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Date:
January 18, 2007, 12:39 am |
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I want a student credit card for the college I attend which is northern illinois university |
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Answer:
Unfortunately, our site and sites of our partners do not carry credit cards for your university, we have Illinois State University credit card and Western Illinois University credit card. Probably, there is no credit card for your college. So you can apply for some universal credit card for students - they are not specified according to definite universities. Before application, though, it is necessary to receive your credit history report, so that you will make sure you are eligible for the desirable credit card deal.
Best,
Manager of Immediate Credit Card Care Service |
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