Immediate credit card care service

Unfortunately, you haven't pointed your credit score, but it's nice that you know your current credit rating. It means that you can qualify for the card that suits your credit profile. It's difficult to pick out one universal card that would meet the requirements of all cardholders. For choosing the best credit card, you need to answer certain questions. First and foremost you should decide what you need this card for. In case you want a low rate card with no annual fee and generous rewards, you can hardly find a better option than More Card by Discover is a smart choice. This fee-free card comes with a 0% Intro APR on balance transfers and purchases, plus it gives you a generous rebate in the most popular categories, including home, gas, restaurants, travel, and more. If you want the best low interest rate card, Platinum Prestige by Capital One will be ideal. An extremely low APR on both purchases and balance transfers makes this card really worthwhile. If you are searching for the right card to pay off a heavy balance, consider Blue from American Express. It gives a fixed low interest rate on balance transfers, and you will have enough time to pay off a heavy balance, if you've got any. So, review all the options and make your choice!

First of all, you should check your credit history one more time. A year is a long time and your score could have changed. It is important to get a credit report prior to applying for a card to make sure all the information is correct. Considering the information you have provided, you still have good credit.

Most likely you will not be able to transfer $16,000 to one card. The best option for you will be to apply for several credit cards with favorable terms. Here are the cards that are great for balance transfer.

Discover® Card. More Card. It gives you 0% APR on balance transfer for up to 12 months. The balance transfer fee rate is 3% of the amount transferred ($75 maximum). It also has 0%APR on purchases for up to 6 months. This is a cash back card for consumers with good/excellent credit.

American Express. Blue from American Express®. This card has 4.99% APR on balance transfer till you pay it off. That will be three times lower than what you have right now. Maximum transfer fee is $99. This card offers you a fee-free rewards program and 0% APR for purchases during the intro period.

Chase Bank. Platinum Visa®. This is another card with 0% APR on balance transfer for up to 12 months. Maximum transaction fee is $75. There is no annual fee. However, unlike the card mentioned above it is not a rewards card.

Compare the offers and apply for the one you like the most. Do not send applications for all the three cards at the same time. Let some time pass after your first approval and then apply for a new card. Eventually, you will be able to transfer your balance.

As a matter of fact, all credit card offers for bad/poor credit rating customers available today come with a whole heap of various fees. Applicants whose credit has been damaged by late or missed credit card payments will hardly be able to find a single card without all those set-up fees, annual charges and various penalty fees. They are inevitable.

However, customers whose credit is not bad but limited, meaning that they are just building their credit history and have had no late or missed payments in their credit report, can find some credit cards that charge no fees or just moderate fees.

So, if you are building credit history and want to do it without extra expenses, have a look at Capital One Standard Platinum (no set up fees and no annual fees) or Capital One Classic Platinum (moderate annual fees and no set up fees).

You may also consider applying for Capital One Platinum-Visa which charges no set up fees but a bit higher annual fee than the other two. But it offers a low APR on purchases.

Remember that the absence of fees on these credit cards for limited credit history does not mean that they are the cheapest deals. You may be charged higher interest rates instead of the fees. So, to minimize expenses associated with the use of the credit cards, try to pay your balances in full each month and pay no interest for them.

Thus, you will really benefit from the no annual and no set-up fees bonus on these cards.

Well, the type of a credit card you will qualify for is determined by not only the level of your income but also your credit rating. Yes, it is very important that the issuer gets proof of your ability to pay but the first thing they will want to look at is your credit score, your current and past debts and the status of your payments.

So, in order to know what credit card you can apply for and get approved, it makes sense to examine your credit report and learn your credit score number. Remember, if you request for a card you do not qualify for and get denied, it will pull your scores down.

On our part, we can offer several credit cards with low interest rates that differ from each other by their credit rating requirements.

If you have a good or excellent credit score, you can apply for Citi® Platinum Select® Card® which interest may vary depending on your creditworthiness and income but which is still low enough to save you money on every day purchases.

Now, if you're an average credit customer who is building credit history and has no late or missed payments with a previous issuer, your variant may be Capital One Classic Platinum credit card which is also a low rate deal. Also, your income will count for the bank but if the bank accepts it, you'll be approved.

In case your credit is bad, a lowest rate variant for you would be Centennial MasterCard®/Visa from First PREMIER Bank, a credit card for people improving their credit damaged by late payments or defaults.

So, choose the right credit card based on your credit rating and apply online to have some of the lowest APRs on the market.

In fact, you are allowed to transfer balances from both, your credit card and department store card and their providers will not prohibit you from doing that. The question is which card you will be able to transfer balances onto and how much you will pay for that.

As a rule, you are able to transfer balances from one or two cards onto a single credit card if the credit limit of the latter allows you to. The interest you will pay on the balance transferred will depend on the status of your credit rating. The better your credit history is, the lower APR you'll be charged.

Are you an excellent credit customer? Then, you may transfer balances onto More Card-Clear from Discover Company, which is not only a low rate but also a good rewards credit card. Or you may consider applying for Platinum Visa® from Chase Bank, also a low APR balance transfer card for good credit.

In case your credit rating is good, you may choose to apply for Capital One Platinum Prestige which balance transfer APR is also low enough to save on repaying your debts.

Compare all the features and requirements on these balance transfer credit cards and apply for the card most suitable for your credit and paying capacities.