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Immediate credit card care service
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Displaying 50 to 60 (of 209 questions) |
Page: 6 of 21 |
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User Name:
edward dotson |
Date:
December 24, 2006, 12:56 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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User Name:
WIDI |
Date:
December 27, 2006, 4:32 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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User Name:
stefanie cunningham |
Date:
December 28, 2006, 1:10 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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User Name:
Matthew Rojek |
Date:
December 29, 2006, 4:57 pm |
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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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User Name:
yolanda Rivera |
Date:
January 2, 2007, 4:35 pm |
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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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User Name:
sheri |
Date:
January 4, 2007, 3:58 pm |
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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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User Name:
autumn |
Date:
January 16, 2007, 4:46 pm |
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i need to apply for a card to pay for books for college today. first question is can i use the card today and second question is the school would need someone to call the scholl and verify the use of the card. is that posible? |
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Answer:
If you apply for a credit card today, you can't unfortunately use it today, as it take s time for the bank to consider your application and send you an approval and after that the card. So, you will have to wait, depending on the bank, your credit history and some other facts,for a week or two for the card to be delivered to you.
If rules of your school imply use of credit cards for paying for books, no one is supposed to call (unless this will be some specific type of credit card). For details you should better ask your school administration.
Best,
Manager of Immediate Credit Card Care Service |
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User Name:
Brooke Jones |
Date:
January 17, 2007, 12:26 am |
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I want to transfer my balance from another card that has an introductory 0% apr, but before I apply for this card I want to make sure that I iwll be approved for enough money to transfer my entire balance. |
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Answer:
I'm afraid you can't learn what will be your credit limit for sure, as this amount depends on your credit rating and type of credit card you are going to apply for. If you apply for a credit card with a better credit history than the previous ones, you can count on a high credit limit. But you should better think over what you have at the moment, if the sum of money you are going to transfer seems too large, it's better not to risk.
You can also call the bank's customer service and ask for a consultation, but it can so happen that they refuse to answer this question. Anyway, it's worth calling the bank.
Best,
Manager of Immediate Credit Card Care Service |
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User Name:
ranee wilson |
Date:
January 18, 2007, 12:16 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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User Name:
carmela |
Date:
January 19, 2007, 6:37 am |
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i have a tax id number can i use it for a credit card
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Answer:
When you apply for a credit card, you give a personal guarantee for paying off the credit card debt. Thus, you give your social security number and the bank makes an inquiry to your credit report and analyzes your credit history. As you use a credit card, the information about it is reflected in your personal credit history.
If you apply for a business credit card to establish or build your business credit history, you also indicate your SSN in the applications form, as this business credit will also be guaranteed by your personal credit history. If you pay off your business credit cards accurately for some 5 years, you will build a good business credit history which will enable you to give your tax ID in your applications, as this ID will refer the bank to your business credit report that in this case will be valuable for consideration.
Best,
Manager of Immediate Credit Card Care Service |
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