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Displaying 60 to 70 (of 221 questions) Page: 7 of 23
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i have never applied for a credit card. what do i need to do? |
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Answer:
You need to apply for one! Today every consumer should have a positive credit history in order to be eligible for loans, credit cards mortgages at affordable or beneficial rates. For a start, you should have a job and a savings account, so that the bank could have something to rely on. If you are seriously afraid of denial, you can apply for a secured credit card. However, there are lenders that provide unsecured credit cards for people with no credit. One of these lenders is Capital One, its credit card offers are worth comparing at our site. Capital One Platinum Visa Has 0% introductory interest rate and low ongoing APR on purchases. It also provides savings on certain categories of good at Yahoo! Shopping. Another plastic by this bank, Capital One Classic Platinum also has zero interest rate for intro period, low interest on purchases and savings, but it also provides balance transfers without any fees. Capital One Standard Platinum has similar features, but its ongoing APR is higher and this card is more easy to get. Compare these plastics and choose the one that meets your needs best. |
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I HAVE NO CREDIT ESTABLISHED BUT I AM PAYING ARREARAGE IN CHILD SUPPORT - WHICH CREDIT CARD WOULD BE GOOD FOR ME TO START WITH FOR CREDIT ESTABLISHING. I DONT HAVE ANY THING ON MY CREDIT AND I WANT TO FINANCE A VEHICLE IN THE NEXT YEAR. WILL THIS HELP ME?
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Answer:
If you are planning to buy a car, you should have some credit on your report. The higher your credit score is, the lower the interest rate will be. In order to establish a credit history, you should choose among the following options. After getting approved, stick to the rules of a healthy credit: make payments on time, don't go over the spending limit, try to make more than minimum payments and avoid holding too many credit cards. Consider the following credit card offers. One of the most popular credit cards for no credit is Capital One Platinum Visa which provides quite satisfactory credit limit, low variable interest rate on purchases and a bunch of savings at yahoo shopping zone. it is also remarkable that the card has 0% intro interest for several months. Another unsecured plastic for no credit is Capital One Classic Platinum card. It also provides 0% APR during the intro period, savings on Yahoo! Shopping and low ongoing APR on purchases. You can also compare these credit cards to another unsecured card for no credit - Orchard bank Classic MasterCard. Its features include 0% intro APR, no setup fee, quite low ongoing interest rate and a number of additional service to help you learn wise credit card usage: regularly updated information on your account, online acess to your account 24/7, payment reminders to your mobile phone or e-mail. |
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I have credit cards with very high limits on them, and I have no debt, so I thought this was good. Especially since my credit score has risen in the past year.
Recently, someone informed me that high credit limits are really unsecured debts and that if I decreased the number of cards with high limits, my credit score would be even better.
I have 8 credit cards and my total credit limit is $150,000.
Is this prudent?
Thanks, TK |
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Answer:
The person who told you this was actually mistaken. Your credit score basically depends on your credit to debt ratio. This ratio shows how high your total credit limit is and how large a part of it you use. As you say, you have a considerable credit limit and you have no debts.This is a good indicator of your credit usage and it is definitely good for your credit rating. At the same time, very often excessive number of credit cards can speak negative of a person. But experts and credit bureaus give a vague notion of excessive number of credit cards. You should analyze your current needs and see if all of your plastics are really beneficial. if some of them have too high interest rate or fees, you'd better close them in order to save your money. remember, the fewer cards you have, the easier it is to manage them. If you would like to take a more beneficial credit card or make a balance transfer, you can consider one of the following credit card offers. For advantageous balance transfers, you can take American Express Blue card which provides a long 0% intro period, low interest rate on balance transfers and a remarkable rewards program. Another plastic by AmEx, American Express Blue Cash is popular for its generous cash rewards which imply up to 5% of cash back on purchases. Besides, there is a long intro period and no annual fee. if you want to get a low interest plastic, look at Citibank Platinum Select card which provides 0% on both purchases and balance transfers for a year and a bunch of useful additional services. |
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will debit card help me to get cedit again |
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Debit card is, in simple words, just the plastic form of money you own - for example, your salary. Using a debit card, you show nothing of your credit activity, so for credit reporting agencies information about debit cards are almost uninteresting. However, if you want to establish your credit, a debit card is a way to get your first credit card. It shows you have money, so the bank can give you your first small credit limit. If you want to build your credit score, it is necessary to get a number of credit cards and pay them off accurately, thus showing a reliable way to use credit. You can choose one of the following plastics. Capital One Platinum Visa provides 0% intro APR for a number of months, low ongoing variable APR of 8.65% and competitive fees. Another popular card of this bank is Capital One Classic Platinum card which also has 0% intro APR, ongoing variable APR of 14.65% and a range of additional services. Compare these plastics side by side using our charts, there are useful benefits in each of them. First PREMIER bank is also known for its plastics for bad credit. See their Centennial Gold MasterCard/Visa (you can choose the type of card). It has low APR on purchases, regular credit limit increases and account management services to make credit card usage more convenient. |
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What is the credit limit on cards issued under the bad credit applications |
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There are two types of credit cards for bad credit - secured and unsecured ones. As for secured cards, the credit limit they provide wholly depends on the security deposit you make. Unsecured credit cards have a credit limit that the bank considers to be suitable for your credit history. usually you can start with the limit of $300 - 500. As you pay off your balance accurately, without late payments and exceeding the limit, the bank can increase your spending limit, month after months, up to a thousand or two. Of course, the amount and terms for credit limit increase depends on the bank. Compare the following credit cards for bad credit which have quite competitive terms. First PREMIER Centennial Gold MasterCard/Visa provides $50 credit limit increase after you make your first 2 Minimum Payments. the original spending limit will be not high, it is based on your credit history. This card has low APR on purchases and convenient account management services. Capital One Platinum Visa gives a low APR of 8,65%, 40% savings and 0% intro APR. KNown for being focused on consumers with limited credit, Capital One bank also gives all opportunities for credit limit increases. Orchard bank Classic MasterCard is also a popular palstic for bad credit. this bank is famous for its cards for bad credit, so they provide optimal credit limit (also depending on your credit score review, after which increased according to your way to pay off the balances). the card has 0% intro APR for 6 months, the low ongoing APR of 7,9% and account management tool and assistance 24/7. |
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how many bad credit institutions are there |
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There a number of institutions which deal with bad credit. Some of them help people file for bankruptcy, others provide assistance in working out schedules for paying off debts. There are also companies presenting credit card offers for people with damaged or limited credit. The latter are the ones about which you can find information at our site. There are a number of bank that focus on consumers with bad and limited credit score. You are welcome to check out the best products by the most popular banks of this category. Capital One issues a variety of plastics for different credit types, among which a range of bad credit cards can be found. People who want to improve their credit and use a beneficial credit card often choose Capital One Standard Platinum card which has o% introductory APR for several months and zero annual fee. The ongoing APR is variable about 19,5%. Account management services are also good.Another leading issuer of plastics for limited credit is First PREMIER bank which presents a bunch of plastics for bad/no credit score. For example, Centennial Gold MasterCard/Visa that includes low APR on purchases, quick response from the bank after your application, regular $50 credit limit increases. Orchard bank is known for credit cards for bad/no credit with attractive terms. One of the most popular cards of this bank is Orchard bank Classic MasterCard which has 0% intro APR, wide acceptance and a range of online and interactive banking services to help you learn wise credit card management.Choose among these banks, if you are searching for a reliable issuer of plastics for bad credit. |
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Ill like to transfer a balances for a few credit cards I have,, what I need to do? I never been late in my cards just i need to have a one headche, besides i can lower my rate |
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Answer:
All you need to do is to choose the right balance transfer card with which you can solve your credit problems. Actually, you've got two options - a plastic with a 0% APR for a long period of time, like 12 or 15 months, or a card with a low fixed rate on balance transfers. If your balance is not that big, the first variant will be more acceptable. But if the balance you're going to transfer is pretty heavy and you're not sure whether you can pay it off within the introductory period, you'd better choose the card with a fixed low rate.More Card by Discover is an excellent example of a good balance transfer card. It comes with 0% interest rates for 12 months on balance transfers, so you've got enough time to pay off your balance. Plus, it has no annual fee. No need to pay extra for the maintenance of the card. In addition to that, this plastic offers a great rewards scheme. After you've paid off the balance, you've got all the chances to benefit from this card.Another card offering a 0% APR on balance transfers is Chase Platinum Visa. It also offers 0% promotional rates on both purchases and balance transfers for 12 billing cycles, it comes with no annual fee, plus it offers low ongoing interest rates.In case you want to apply for the card with a low fixed interest rate on balance transfers, Clear from American Express will be the best choice. The great thing about this plastic is that it has no fees at all, and a one-time balance transfer fee is no exception. It comes with a low fixed APR on balance transfers, plus there's no need to pay a balance transfer fee. If the balance you're going to transfer is rather heavy, this card comes as the best solution. |
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My credit is bad I lock for credit card |
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Answer:
You need an unsecured card for consumers with bad credit. First PREMIER bank is noted for its excellent card offers for those whose credit needs some improvement. Most of these cards have instant approval. That means that you will be notified within 60 seconds whether you are approved or not if you apply online. Centennial MasterCard®/Visa. This is the most popular card among consumers with poor credit. It has low APR on purchases. No bank deposit or checking account is needed. All your activity will be reported to credit card bureaus. Gold MasterCard®/Visa. This card has very low APR and a reasonable annual fee. With this card you get Gold card prestige and a chance to improve your credit score. Centennial Gold MasterCard®/Visa. The deal includes a $50 credit line increase if you make your first two payments on time. All applications for this card are accepted. |
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I am looking to establish credit for purchase of a new home. and to do so suggested start with revolving accounts and perferably not secured, but since i have lived by cash last 8 to 9 yrs there is nothing on my report. and i am finding what i do qualify for it sees are low limit high apr or flat turn downs. any suggestions on how to proceed. as i know should not keep appling even though i find what they offer i turn down. |
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Answer:
Building a strong credit history is not a quick process. Since you have no credit you cannot count on being approved for cards with low APR and great rewards. A credit card for no credit is an important stepping stone you need to build credit. We recommend the following cards issued by Capital One: Standard Platinum. This card has reasonable APR, no annual fee and 0% APR on purchases till December, 2008. It also gives you Platinum Benefits such as travel accident insurance, 24 hour roadside assistance, etc. No Hassle PointsSM Rewards. This card also has an intro period with 0% APR on purchases till December, 2008. Its best feature is that it has a great rewards program, with promotional offers on gas stations, grocery and drug stores. Platinum MaxSM. This card has fixed low APR on purchases for three years. Capital One guarantees that it will not change for three years, no matter what. You have good chances of being approved for these cards, if you have never declared bankruptcy, have no criminal record and have a steady income. Before you apply, we recommend you to check your credit report to make sure all your personal and financial information is correct. |
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i have some major dental work that i need completed, i have maxed out my work insurance until next april. i also have care credit card but that too is maxed out i still have not completed all the dental work i need done can you help me |
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There are different credit cards that might work for your purpose depending on your credit history. So before applying for a card you need to check your credit score. Apply only for the offer you qualify for. If you have good credit history we recommend you to apply for Blue from American Express®. This card offers you up to 15 months of 0% APR on purchases. It has no annual fee and has a great rewards program. If your credit score is average your best choice would be Standard Platinum issued by Capital One. This card is great for those with limited credit because it offers 0% APR on purchases and no annual fee. If your credit history is seriously damaged your only option is to apply for a card issued by First PREMIER for consumers with bad credit. The deal that comes with lowest APR is Gold MasterCard®/Visa. This card has instant decision so you will know immediately whether you are approved or not. |
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