|
|
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.
ex.: How can I apply for a credit card?
Displaying 130 to 140 (of 221 questions) Page: 14 of 23
 |
What is the lowest credit "score or rating" I can have and still be approved for a great credit card? |
|
Answer:
Our web-site gives you an opportunity to compare the best credit cards and choose the one that complies with your needs and requirements. However before applying for a card you should request your credit report and learn your credit score. It is the main factor of your creditworthiness and by far determines your chances to be approved for this or that card. If your score is either good or excellent you are welcome to choose among the credit cards with the lowest APR. On the page devoted to such cards you can find several variants from American Express, Chase, Discover, Citibank and Capital One. If you are eager to obtain one of them your lowest score must be minimum 660. It is important to be guided by the lowest score, as the lenders generally take into account the lowest rating, not the highest one. So, if you are eligible for these deals read all the information about each card carefully and then apply for the chosen card online through our service. All the best, Manager of Immediate Credit Card Care Service |
|
|
I'm really confused. I need $3000 for some dental work. But now I see that you also have balance transferes, etc. But it is confusing. Can some one help me choose the best one for me. My credit is good. I would like to find somethng with no transfer fee, and a low or no interest rate. |
|
Answer:
A credit card balance transfer implies reallocating your debt from high rate card to a better one. The main aim of it is to save money, because the majority of lenders offer no annual fee, no extra fees, 0% introductory APR on balance transfers for a period from 6 to 15 months. Besides, it is also possible to consolidate debt from more than one card. 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 difficult to guide you to any particular offer, as it all depends on your desires and requirements. If you want something without balance transfer fees you can pay your attention to IN:NYC Card from American Express or Blue from American Express®. Mind however that the intro period on these deals are less that on other ones. So, the best way is to compare all 0% balance transfer cards options properly, choose one that suits you most, fill the application and submit it online. All the best, Manager of Immediate Credit Card Care Service |
|
|
My lowest score is 597, my wife's lowest score is 620. Can we qualify for an American Express Card? Or do you konw which card we can qualify for other than Providian/Washington Mutual. We are looking for a card that will allow us to transfer balances and gain reward points.
|
|
Answer:
Balance transfer is a widespread tool of consolidating the whole debt on the one card that generally offers better terms – lower APR, 0% intro APR for balance transfers, no extra fees, etc. Thus, balance transfer cards can be a fine way to decrease debt, to save money and to improve the credit score. However the thing is that the best balance transfer cards (including American Express) are offered only to people with either good or excellent credit (that is whose credit score is above 660). 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 credit that allow balance transfers. Thus, the most important thing is to consider your score: 597 is regarded bad, but 620 is fair. That means your wife is eligible for the cards that permit balance transfers, for instance, Capital One® Standard Platinum Capital One® Platinum. 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 details concerning these cards and if the satisfy your requirements apply for one of them online. All the best, Manager of Immediate Credit Card Care Service |
|
|
Do you know any credit card that will provide me the card number at once when im approved because i need it for my paypa. i mean i dont have to wait for the card on mail just to know the card number and the security code |
|
Answer:
When you submit an application online the approval can actually take various periods of time. The fastest way is to get an instant approval that generally requires only a few minutes. On out site you can look through the several offers with the instant approval from Discover, American Express and Citibank. In some cases but not always you get an opportunity to start using the money immediately after getting an approval. If you get instant approval, bank can show you your credit card number and expiration date right away. So you will be able to shop online or by the phone with it. Also mind even if you receive the number you won't be able to use your whole credit limit before your card arrives for security reasons. Finally, it must be noticed that there are no cards that will guarantee you that. Some customers get this option, but not all, probably for security reasons. All the best, Manager of Immediate Credit Card Care Service |
|
|
my credit isn't good and I'm interested in applying for a balance transfer card... What are the best cards in my situation?
I have three credit cards and only once has a low interest rate |
|
Answer:
Balance transfer is a widespread way to consolidate the whole debt on the one card that generally offers better terms – lower APR, 0% intro APR for balance transfers, no extra fees, etc. Thus, balance transfer cards can be a good way to reduce debt, to save money and to increase the credit score. The best balance transfer cards however are available only for people with either good or excellent credit (those are 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 allow balance transfers. Turn, for instance, to the Capital One® Standard Platinum or Capital One® Platinum. 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 details concerning these cards and if they satisfy your requirements apply for one of them online. All the best, Manager of Immediate Credit Card Care Service |
|
|
im a high school student under 18, what are my options |
|
Answer:
If you are not 18 yet you don't have the right to get a card. However if you wish to build up your credit history you can do the following. Ask your parents to open a savings and a checking account in your name, if they haven't done it yet. This is essential as it proves your financial independence and ability to deal with money. You can also become an authorized user of one or more of their credit cards. In this case the cardholders will be your parents but you will be able to use the credit limit. Try to keep the balances on them as low as possible, as all the information (both positive and negative) will be reflected in your report. Another way is to draw the so-called co-signer, that is a person who will be responsible if you don't pay off your bills on time. But mind that in this case too all the negative information will hit your report and damage your score. If you use your cards properly your credit history will be good and in time you'll be eligible for the best credit cards. All the best, Manager of Immediate Credit Card Care Service |
|
|
I would like to do a balance transfer and am considaring your card as an option, can you tell me as I'am un-clear what the % rate is on monthly payments? |
|
Answer:
If you are eager to cut down your debt and to save money, application for a balance trasfer card is a fine way to go. Such cards allow you to transfer your balance from a card with higher rate to a better one. Most of them offer 0% intro APR for a period from 6 to 12 months and no annual fee. Look at the page on our site devoted to balance transfer cards. There you can find detailed information about several of them from Visa, MasterCard, Discover, American Express and other credit card companies. The lowest % APR is offered by Discover (10,99%). Nevertheless, read all the information about terms and amount of payments on each card carefully and make a choice according to your needs. All the best, Manager of Immediate Credit Card Care Service |
|
|
My credit score is according to my bank 678, is this poor or fair, I know is not good or excellent, I also have 2 cards with Capitol One that have 500 and $2,500 balances on it, and one with Wahington Mutual that has $3,200. I would like to find a good low rate for the life of the transfer or even better 0 interest for the life of the transfer balance, do you think with my score I can get something like this?.. and who?....or which card?.. Tks
|
|
Answer:
First of all it is important to get your score not only from one bureau, but from all three of them. It is essential because credit companies generally look at the lowest score, not at the highest one. If your lowest score amounts to 678 it falls into the "good credit" category (660-749). If you wish to consolidate your debt on one card you may turn to the so-called balance transfer cards. These cards allow you to reallocate your debt to one card with lower rate. Most of them offer 0% intro APR for a period from 6 to 12 months and no annual fee. Balance transfer cards are available for people with good credit, so you can apply for one of them. Compare the offers on our site, read all the information concerning terms and amount of payments and then choose the card that satisfies your needs.All the best, Manager of Immediate Credit Card Care Service |
|
|
Is APR [annual percent rate] a porcent payment to me?
Or
Have I to pay that to card company?
Sincerely
henrik |
|
Answer:
APR is the annual percentage rate on a credit card. In other words, it is the amount you will pay in interest charges per year. So, it can be defined as the cost of credit as a yearly rate. The APR that you have to pay to the credit company may vary due to several factors. If you have a good or excellent credit score, you will probably be offered one of the best credit cards with a low APR. However, if you are applying for your first card or have a bad credit history, your APR will be much higher. Remember, that the APR is not the rate on your loan. It is a value created according to a special formula intended to reflect the true annual cost of borrowing, expressed as a percentage. So a loan with a lower APR is not necessarily of a better rate. However the APR is generally used as a starting point to compare loans. |
|
|
I would like to know, how can I get a credit card. I have very poor credit. If you can, please give me some advise or a list of credit card I can start with. |
|
Answer:
First of all you should turn to the three credit bureaus - Equifax, Experian and Transunion -and request your reports. Check your reports attentively for any mistakes or misleading information. If there are any, ask the bureaus to correct them immediately. After that learn your credit score. If your score is poor (350-619), you must choose among the cards for bad credit. There are several variants of them on our web-site. Read all the details, fully understand all the terms and then choose the one that satisfies your needs and requirements. Another way to go is to turn to the so-called secured credit card. To receive one you'll have to open a deposit that will serve as a guarantee of your ability to pay. When you choose the card that suits you most just fill the required form and submit it online. After getting an approval, visit the bank and receive your card. |
|
