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Displaying 40 to 50 (of 221 questions) Page: 5 of 23
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i dont have any credit but i want to start establishing credit now but i went on every bad credit no credit website to get a card but i am not being approved for some reason i dont understand i am trying to get a car and other things please help me if u can thank you |
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Answer:
When a bank considers your application to determine whether to grant you credit or not, it takes into account many factors, including your employment record, income, assets, previous credit experience or its lack, etc. Therefore it is difficult to say exactly what the reason for your declines was as we have no access to your personal information. If you didn't apply for a secured credit card yet, we offer you to try as secured cards are usually guaranteed approval offers. They are similar to unsecured ones but require making a bank deposit as a measure against risk of debt repayment. Such type of cards is very popular among applicants with no or bad credit history as they offer a good chance to be approved and build up credit. You can consider Black Diamond Visa card from Millennium Bank. It is a Visa-branded card that reports to the major credit bureaus enabling you to prove that you are a trustworthy customer. As soon as you prove your trustworthiness with help of secured card, you can change it to unsecured one without making any deposits. Or, you can apply for unsecured credit card for bad or no credit, for example Total Visa card or Access Visa card from Plains Commerce Bank. They give an opportunity to learn credit decision instantly, offer outstanding customer service and reasonable fees. All cards for bad or no credit come with rather low credit limit but may help you build a solid credit history if you use them properly. |
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which credit card has the lowest apr, longest 0 interest, no fee and offers credit for gas? |
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Answer:
If you have good or excellent credit, there all chances to find such a credit card online. Look at Discover® Open Road® Card which comes with 0% intro APR on purchases and b/t and no annual fees. It offers a generous and unlimited cash back bonus on all gas-related purchases and some smaller rebate on all other purchases. More® Card - Monogram offers a 5% cash back bonus on certain categories of purchases that change each season. Gas spending is also included into these purchase categories. There is the 0% intro APR on purchases and balance transfers and no annual fee feature. More® Card - Clear offers a similar deal in terms of pricing and cash back rewards program. So it's up to you to choose which card fits you best. Compare the credit cards' key features and additional benefits and apply online here. |
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i am 18 and i am trying to establish credit. i would like to purchase a credit card and i have been filling out card applications for cards for people with no credit. also i do not know my annual household income i guess 45000 but i know thats not correct. i keep getting denied whats the problem? |
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Answer:
Most likely, the reason for your being denied is your high borrowing risk to the credit company. If you have absolutely no score and so no payment records, the bank has no data to evaluate you with. In your case it would be appropriate to apply for these no credit cards which are especially designed for no score customers. You may choose either unsecured or secured cards for no credit depending on your preferences and payment resources. All they are a helpful tool to build your credit if you make payments on time and keep your balances low. Apply online! |
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My company told us to get rid of our corporate business credit card by June. Extensive travel throughout the year. Looking for a card that provides rewards for travel & hotel rewards points |
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Answer:
Requesting a travel or hotel rewards card, you must have good or excellent credit references and pretty high job income. If you do, proceed on to some of the best rewards offers featured online:To benefit from miles rewards, apply for No Hassle MilesSM Rewards issued by Capital One. Mind it, it requires that you own excellent credit score as you apply. If approved, you'll earn 1.25 points per dollar spent on eligible purchases. There is no annual fee and 0% APR on purchases until October, 2009. Having a good-to-excellent FICO score, consider Miles by Discover® Card offer to earn 1 mile per dollar without airlines, time or seat restrictions throughout the year. No annual fee and 0% intro rate offer apply. Exclusive hotel rewards offer is available on Hilton HHonors® Platinum Credit Card from American Express, a no annual fee plastic with generous hotel bonus points and 5 points for eligible purchases made at the participating hotel chain. You'll earn 3 points for every other purchase made with the card. So, choose a most rewarding travel rewards credit card and apply for it online. |
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I have a new business and I need a credit card with a 1500.00 credit line to start, what are my chances. I did get laid off and out of 29 good accounts, 7 had to be charged off, once I am up I fully intend on paying those, this has NEVER happened to me before, well except for my divorce 9 yrs ago. |
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Answer:
You do not necessarily have to apply for a business credit card to get started. The limit you are looking for is easily available on fair credit offers from Capital One Bank. If there is a credit score in your name and you haven't made lots of bad payments on your account in the last 5 years (a couple of late payments on any bill are ok though), then you can be approved for one of the cards below:Capital One Platinum comes with a limit range of $300-$3 000 and no annual fee. You'll benefit from exclusive savings on featured deals and platinum benefits such as $0 fraud liability, travel insurance and road assistance and many more. Platinum - Visa has some annual fee but at the same time its purchase ongoing APR is among the lowest on the market. The same limit, platinum benefits and savings rates apply with this card. If you would like to profit from rewards pay attention to Capital One No Hassle PointsSM Rewards card. Moderate annual fee and average purchase APR help maximize the reward earnings. You'll get the same limit and benefits as on the previous offers. Make your best deal by applying online today. |
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I am looking for a 0% interest rate (9 to 12 months) for balance transfer, also with a maximum transfer fee....finance charges calculated on a monthly not 2 time. |
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Answer:
All 0% APR balance transfer cards available on our website are created for good and excellent credit score. If you do have a high credit rating and a long-running credit history, feel free to apply for one of the balance transfer offers suggested below:More® Card from Discover Company offers up to 12 months of intro period with 0% APR on balance transfers. Unfortunately, there is no cap on the maximum transfer fee, just as it is with all other balance transfer cards. But you will benefit from no annual fee, 0% APR on purchases and cash back rewards. Capital One Platinum requires good credit to qualify. There is 0% intro APRs on balance transfer and purchases until October, 2009 and there is no annual fee. As alternative, you may consider Capital One Platinum Prestige - Visa which has the same 0% intro rates period on balance transfers but offers some of the lowest interest rates after it. No annual fee and platinum benefits are available. Choose a card appealing to you best and apply online today. |
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how can I apply for a credit card with less than perfect credit? |
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Answer:
Credit cards for less than perfect credit, or fair score, are marketed by Capital One Bank. To qualify you are expected to have had a payment history for at least 2-3 years and you should have a stable job. You might also have been late once on a credit card, medical bill or other bill in the past 6 months. If you match these requirements, please choose from among these card offers: Capital One Standard Platinum features such benefits as no annual fees, no set up fees and 0% introductory interest rates on purchases. With Platinum benefits available it's a great tool to improve your credit score.Capital One Platinum - Visa is created to help you save on card purchases with a 0% intro rate and lowest regular APRs after the teaser period. There is a manageable annual fee and exclusive savings program applied to certain purchases.Fair credit is not a barrier for rewards. Evaluate Capital One No Hassle PointsSM Rewards card. With a low annual fee and competitive interest rates on purchases, it offers you to collect rewards points and redeem them for free merchandise.As all these cards are meant for those with less than perfect credit, you won't find just big limits on them. Apply online for one of the cards to improve your credit. |
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Do you have any cards/ merchant cards that report unsecured credit lines on all 3 of youre credit reports and report timely payments to all 3 credit bureaus?
Preferably 5000-7500-10000
as unsecured credit on all 3 bureaus, obvioulsy after you order or purchas an item and make youre payments timely?
thank you very much
Ben |
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Answer:
Whether a certain credit card reports to credit bureaus depends on many factors, including the closeness of a bureau to your home. If it's important for you, contact the issuer to find it out before you apply. On our part we can suggest 3 credit cards that use at least two credit bureaus for reporting your payments. All of them are for good-to-excellent credit rating.Capital One Platinum Prestige is offered for excellent credit applicants only which means you need to have a 750-850 credit score and long-term credit history. There is no annual fee and 0% APR on purchases and balance transfers until October, 2009. It reports your payments to Experian and Equifax credit bureaus. Blue from American Express® is a high limit, no annual fee credit card that uses Experian and TransUnion credit bureaus to report your payments to. To qualify, you need to have a 660-850 credit score, long-term credit history and high income. Discover More® Card requires good or excellent credit history to qualify. There is no annual fee and 0% on purchases for 6 months. This card reports to TransUnion and Equifax bureaus. |
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My husband has multiple credit cards. Can i open a credit card in my name and transfer the balances
of his cards to it? I have better credit than he does. |
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Answer:
In fact, you can open a card in your name and have your husband's balances transferred to it. But, you should know you'll take legal responsibility for paying on them. If balances are not paid on, creditors will come after you, not your husband. We can suggest 3 balance transfer credit cards to choose from, but once you make final decision, we advise you contact the issuer to make sure they allow this option. If you have good or excellent credit rating, More® Card from Discover is a great choice for making a balance transfer. You get 0% APR for 12 months to pay the balances off. After that, there is a low ongoing interest rate. No annual fees and low rates on purchases help you save on everyday card use. Remember that the amount of balances transferred should be below the limit on the credit card. Chase Bank Platinum Visa® is also a great card to transfer balances to if your credit is good/excellent. If approved, you'll get 0% APR on both, purchases and balance transfers, and a lowest interest after the teaser period. If your credit is good, consider applying for Capital One Platinum card. It offers 0% intro APR on balance transfers until October, 2009 and a competitive ongoing rate after that. No annual fee and small transfer fee apply. Make sure your income is high and credit is strong enough for any of these credit cards. Apply online. |
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I NEED A CREDIT CARD SO I CAN GET STUFF I NEED AND I WILL PAY IT BACK I NEED A CREDIT CARD LIMIT ACCESS |
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Answer:
We suggest you choose among the 3 consumers credit cards based on your current credit rating. You can apply online and get approved if you qualify. Blue from American Express® will suit those who have a 660-850 credit score, long payment history and accounts in good standing. It offers an extended credit line, 0% APR on purchases and low intro rate on balance transfers. You'll earn 1 point for each dollar spent and redeem points for a wide range of merchandise. Capital One Standard Platinum is a good choice for people with limited credit history. If you have never had a credit card or have used one for less than 5 years, this card is for you. It offers a manageable credit line, no annual fee and competitive APR on purchases. If your credit is bad due to late payments with creditors, apply for Centennial Gold MasterCard®/Visa from First PREMIER® Bank. This card is for those who look to build, rebuild or reestablish credit history while being able to make purchases at a low interest rate. Choose your credit card and apply online. |
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