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Displaying 140 to 150 (of 185 questions)    Page:   15 of 19
 
Answer Hi there! I wonder how can i stablish a good credit? Is there any credit card that will be recommended for me?
Answer:
Actually, you can't establish a good credit, as good credit is the result of hard work on your credit history. You should pay your bills on time and in full, apply for right credit cards and constantly use credit cards or take loans to build your credit as soon as possible.
If you have no credit, your option is a secured credit card, for which you will have to make a deposit in the bank issuer of the credit card.
If you pay it off ina good way, you will be able to apply for an unsecured credit card for bad credit. With credit cards of this type, the fees and charges are comparatively high, but the make a good contribution to your credit history.

Best,
Manager of Immediate Credit Card Care Service
Answer I have a card with Bank of america with a rate of 23%. I haven't been late in over 8 noths but they refuse to lower my rate what is my best option? If I apply for aother card won't it effect my credit score just for asking
Answer:
As you do not say what your credit score is, it is difficult to answer your question. If the bank refuses to lower your interest rate, probably, your credit rating is not enough for a lower rate. You can ask to extend your credit limit, though, they can agree to it under certain circumstances. If they refused to di it, you should go on paying your bills on time, so that your score will grow gradually. If you apply for another credit card, it won't damage your credit (only if you are approved for it). Quite the opposite, it will add to your score if you use this card and will pay it off accurately. So, if you want to build credit faster, don't hesitate to apply for couple more credit cards according to your credit history.

Best,
Manager of Immediate Credit Card Care Service
Answer How can I recieve a credit card with no deposit as long as I make my payments on time when my credit is no good?
Answer:
If you have no credit or bad credit with past delinquencies, you can only apply for a secured credit card. In this case bank saving or checking account is necessary, as it compensates bank's losses if you fail to pay off the balance.
If your credit is bad, but without negative issues in the past, you can apply for an unsecured credit card and the only money you will have to pay is fees and APR. BUt you should be ready to pay higher fees and charges, as that's another way of the bank's covering the risks on credit.

Best,
Manager of Immediate Credit Card Care Service
Answer Hello, I am looking for a credit card company that will consider me for a balance transfer. I have a $20,000 balance, and a 622 credit score. The only thing on my credit is this debt, and my car payment, and a Neiman Marcus card that is essentially paid off. Can you make a recommendation to help me?
Answer:
If you look through balance transfer credit cards and read their terms and conditions carefully, you will see they require good or excellent credit history. You have fair credit, so you are not likely to be approved, I'm sorry to say.
As you probably have already guessed, you should build your credit history to add no less than 40 points to the credit rating. For this, it is possible to apply for a card or two for your credit and pay them off without fail and on time. After that, you will be able to apply for any balance transfer credit card without fear of denial.

Best,
Manager of Immediate Credit Card Care Service
Answer i was wondering if this offer has a balance transfer fee?
https://discovercardapplication.com/terms.aspx?type=plat&source=&tid=
Answer:
If you read the text of this terms&conditions attentively, you will see the statement: "If you make a balance transfer with this application, there is no balance transfer transaction fee." But as far as you probably have already seen, you can make balance transfers with this credit card offer until May 1, 2007.
Generally, this credit card deal is rather beneficial, but you should read the agreement so that you will understand if this offer meets your needs or not.

Best,
Manager of Immediate Credit Card Care Service
Answer I am the owner of a small Limited Liability Corporation. I need a credit card for my small business, however I have bad credit. Even though my company is an entity of its own with its own Federal Identification Number, I still am having a hard time acquiring a credit card specifically for my company. can you help me?

Thankyou,
Jay Nunez
J.A.A.S. renovation Company LLC
Answer:
If you look through our business credit cards, yuo will find out all of them are for good credit, that means you personally should have good credit history. You have a right to use your tax ID and business credit history after no less that 5 years of using business credit without delinquencies. There are companies providing business credit cards for bad credit, but they are nor presented at our site.
I would recommend you to continue building your personal credit and try to apply for a business loan or a credit card. Thus, you will have no difficulty in your future credit, and also will be able to use good consumer credit cards.

Best,
Manager of Immediate Credit Card Care Service
Answer I Got a offer in the mail about 2-3 weeks ago and I have not recieved my card. I would like to know where it is and if it has been send out. Thank you, Elise De Brobander
Answer:
Unfortunately, our site and its staff have no possibility to check up the status of your applications, as we have no access to your personal information and to your accounts. It is only the bank that can answer if you were approved for the credit card or not. If you were approved, you should have received an approval letter, and there should be the date when you will receive your credit card. It can usually take 7-30 business days to deliver a credit card to you. But if you suspect you wait too long for it, you should call to the bank and clear out the siuation.

Best,
Manager of Immediate Credit Card Care Service
Answer My wife has a score of 710, I think this is average to good? I have a card with a balanve of about 3000$. She has expressed interest in wanting a new card just in her name to just help build a longer credit history. We thought this would also be an opportunity to transfer a higher interest balance from my card to her new one. Can we transfer from spouse to spouse when I am the only one on my card and she will be the only one on hers? Thanks,jt
Answer:
710 points is good credit, so you have a lot to choose from. Good credit card deals are miscellanious, so it is easy to select the credit card or cards for your special needs and spending habits. As for balance transfer, some banks allow to do it, if certain requirements are fulfilled. Balance transfers between two credit cards owned by one person are a coomon practice. As for the transaction you want to make, you should call the bank to find out the details.

Best,
Manager of Immediate Credit Card Care Service
Answer need to know why my credit card apr is now 26% said had to do with my credit score it was lower.
Answer:
You should always read terms and conditions of the card before applying for it. Usually you can discover that the charges may vary according to your credit score. If your credit score turns out to be lower that the required one, That's the reason why your APR is so high. So, in future, either be ready to pay a higher APR or choose a card with lower charges. There is one more thing about setting the charges and terms for credit cards: in terms and conditions of most credit cards you can find out that the bank has a right to modify the charges and terms&conditions of a credit card without officially notifying the customers, or notifying them in a way that is a metter of the bank's choice.

Best,
Manager of Immediate Credit Card Care Service
Answer I received an application for pre-selected Platinum Visa. Which web site do i use to access?
Answer:
We do not carry any pre-selected Platinum Visa credit card. In the letter you received, the addresser should have mentioned its contact information, if you do not seem to find ir, this can be regarded as scam. If you were not given any web address to go for activation, this could have been also a scam. If you are sure you want this card, try to use a search engine to find it. In case you happen to find this credit card at our site, you can click the credit card or the link "Apply" and at the page to which you'll be redirected you can probably find a link running something like "If you are already approved" or " For pre-approved customers". Good luck!

Best,
Manager of Immediate Credit Card Care Service
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