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Immediate credit card care service
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Displaying 50 to 60 (of 145 questions)
Page: 6 of 15
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User Name:
lorraine |
Date:
December 28, 2006, 8:44 pm |
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i would like to know, how can i improve my credit?, I am now keeping up with all my payments and are doing well for the last 3 years how long does it take for my credit to improve? |
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Answer:
It's difficult to say how much time it will take to build good credit history, as it is the credit bureau that has its own way to calculate the credit score. The latter depends on your annual income, number of credit cards you use and have been using, credit limits, terms of credit and other factors. At the site of our partners you can find tips for building good credit history.
Generally, it is recommended to have 4-6 credit cards to accumulate enough points (paying them in full and on time)and manage them wisely. The most important rules concerning credit card usage are paying on time, applying for credit cards matching your credit history and needs and being and feeling measure in getting more credit cards. At CreditCardSpecialist.com you can find beneficial credit cards to improve your credit rating.
Best,
Manager of Immediate Credit Card Care Service |
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User Name:
Priscilla Houdayer |
Date:
December 29, 2006, 3:09 pm |
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It says you can a approve with bad credit than why am I not being approved is my concerned please call me @ (772)
778-8840 I will appreciate it al lot thank you have a nice day |
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Answer:
If your credit score is bad the cards you can afford are bad/no credit cards, issued by Orchard bank and First PREMIER bank. If you want to ensure getting bad credit card you should apply for one of guaranteed approval credit cards. Among these cards you can select the most convenient secured credit card, for instance, Orchard bank secured card or New Millennium card. If your purpose is to find an unsecured credit card with instant approval, you should regard unsecured First PREMIER card applications or Orchard bank card deals. |
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User Name:
alison Morash |
Date:
December 29, 2006, 3:33 pm |
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I need the phone number for legacy visa |
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Answer:
As a matter of fact, we can’t provide you with phone numbers of credit card companies or banks, presented at our site. Our work is only to collect the latest and detailed information about the best credit card deals from the major credit companies. Besides, we also help the clients contrast the options of various credit cards to choose the appropriate credit card application. But we are not provided by contacts of banks and companies, which you can find at our site. You may get the number in the following way. Use the search engine and find the official site of the bank to see the number there. Or click the link by any credit card by your bank presented at our site, to be redirected to the official site of this bank. |
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User Name:
Sally J McKinley |
Date:
December 29, 2006, 3:45 pm |
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How can I get my daughter's credit card debt off my card and onto her own card. She is 23yo and makes monthly minimum payment to the card. Unfortunatly while she was attending school I allowed her a card under my name and she charged alot more than I realized. She has about 14,000.00 on my card. I have cancelled the card so she can only make payments. |
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Answer:
With joint credit, you are both 100% responsible for the debt, even if your daughter was just authorized by you to use the credit card. If, on the other hand, you decide to maintain separate credit, the general rule is that you are not responsible for each other?s debt. As it appears from you inquiry, you should take responsibility of your mutual debt and pay it off together. The credit card can be cancelled as soon as the balance is paid off in full. There could be option for you to move your daughter?s balance to a new credit card with balance transfer option provided she has positive credit to apply for such a credit card. Also there are balance transfer cards with balance transfer for limited credit, for example, one of Capital One credit cards, namely, Capital One Platinum card for limited credit. Any way, the first thing to do, is to consult your credit card issuer about the case to ensure that your credit score will be safe, even if you make up your mind to cancel your card. |
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User Name:
Pam |
Date:
December 30, 2006, 7:29 pm |
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With a credit score of 685, what interst bracket with credit card companys does that put me in? Thanks.
Reason for asking, I feel as though I am getting charged high interest rates. |
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Answer:
According to your credit score, you have good credit history which gives you extensive opportunities in choosing credit cards. You can choose credit cards by rewards, by low APR or by purposes, and the most advantageous credit card deals are for you to select from.
If you look through good credit card deals at our site, you can see that most of them have no annual fee, 0% intro APR, no higher than 15% APR for the life of the balance. PLus, they provide an array of rewards and amenities, depending on the purpose. If you are not satisfied with your credit card now, you can ask the bank to lower the interest rate or extend the credit limit. If the bank refuses to do it, you can convince them saying you will change the bank or just choose another credit card at our site.
Best,
Manager of Immediate Credit Card Care Service |
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User Name:
Victor |
Date:
December 30, 2006, 9:25 pm |
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I owe $15000 on a home equity line of credit and I am paying 7% interest on it. I have around a 700 credit score. I was wondering if I got a credit card which offers 0% interest for 12 to 15 months could I transfer the balance on my home equity line to the credit card and not pay any interest on that money for the promotional time of 0% interest. Do you know if this is possible.
Because when balance transfer is talked about I only see it refer to balance transfer between card and not any other kind. |
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Answer:
Turning home-equity debt into credit-card debt is possible. Moreover, balance transfer from home equity line to credit card used under the right set of circumstances, can save homeowners big money. With your good credit score you can afford one of our balance transfer cards for the procedure. Still, there are some things to take into account. Be ready to make higher payments, because home-equity loans or lines of credit are typically amortized over 10 or 15 years, while credit card minimum payments use a shorter horizon. So before you sign up for a balance transfer, call the card company and ask them what your first payment would be. Secondly, with a massive balance over to a credit-card company, it's best you do it with a balance transfer offer that promises a fixed rate for the life of the balance. And while 0% APR offers may look tempting, be careful. Those typically last for six to 12 months. Once the promotional rate expires, you'll be hit with the card's regular interest rate, which can run 18% or higher. Then, make sure the credit-card limit is high enough. Aim for at least twice the balance on your home loan, this way, you credit score isn't likely to drop because of high utilization. When comparing different balance-transfer offers, remember also balance transfer fees many cards require! |
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User Name:
michael w sanders |
Date:
December 31, 2006, 1:45 am |
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how to i check my account |
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Answer:
Nowadays irrespective of your credit card company you can check your credit account and make your credit card payment online! Using Internet accelerates and facilitates these procedures greatly. All you need is just to access your bank official site. Luckily, most banks have online banking service nowadays, enabling you to monitor your expenses staying by your PC.
Access the official site of your credit card issuer and get registered therein. Thereafter you’ll be transferred to your personal page. Herein you’ll have an opportunity to check your account and find applications for making payments online. Today the banks use all possible securing strategies to protect their clients against fraud, therefore you can feel absolutely safe. |
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User Name:
olubi |
Date:
December 31, 2006, 9:02 am |
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do i need to reside in Amercia or Canadan before i can apply for a credit card? |
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Answer:
Generally speaking American banks tend to issue credit cards, assigned for legal American residents. However we do overlook some foreign credit card applications at our web-site. These are Canadian credit cards, UK credit cards and a Belgium credit card , issued by CitiBank. The only thing you should bear in mind is that these cards are intended for people having good-to-excellent credit score. Another option for you looks as follows. Some of American banks issue credit cards for foreigners, who want to make purchases here, in the USA. However there is again a restriction: you should have at least good credit score to be approved for a credit card of that group. |
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User Name:
trina |
Date:
January 4, 2007, 8:21 pm |
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im under age how would i apply for a credit card |
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Answer:
To tell you the truth to be approved for any of online bank credit card applications we offer, you should be at least 18 years old. Nonetheless, teens can get or, to more precise, get access to credit cards. Most state laws demand, you must be 18 years old (a young adult) to obtain your own credit card and be held responsible for repaying the debt, because minors are not allowed to enter into a binding contract. And if you' card credit BODY payments. |
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User Name:
Norma Gilbert |
Date:
January 4, 2007, 10:23 pm |
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I have no credit and I want to know if I can get a credit card without any fees? |
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Answer:
Customers with no credit are referred to as a high risk group and credit card companies need to cover the risks by means of high APR and fees bad/no credit cards imply. So, as you understood, you can't get a credit card without any fees having no credit. You need to build credit first and prove yourself to be a responsible cardholder. You can apply for a secured credit card, which requires collateral to be installed in the bank, to secure your credit and provide a certain credit limit to you. There are also unsecured credit cards for bad/no credit which can be considered as your possible choice. Some people choose to get a credit card with a co-signer, so that they can use a high credit limit and pay less charges, because somebody with good credit agreed to be the co-signer and thus guarantee the credit will be paid off. |
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