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Immediate credit card care service
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Displaying 90 to 100 (of 145 questions)
Page: 10 of 15
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User Name:
lynn stein |
Date:
April 20, 2007, 9:56 am |
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is there a balance transfer fee on this card? thanks |
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Answer:
A credit card balance transfer implies reallocating your debt from a high rate card to a better one. It is a widespread tool used to save money, because the majority of issuers offer no annual fee, no other extra fees and 0% APR on balance transfers for new customers. Moreover, it is also possible to consolidate debt from more than one card (the amount of money that can be consolidated is defined by the limit of the new card). The best balance transfer deals are designed mainly for people with good or excellent history. On our site you can find the balance transfer cards applications from different banks that will help you solve the problem of debt. Unfortunately you haven’t mentioned the name of the card you are interested in. The terms of various deals differ considerably, and it is only up to you to decide which offer suit you most. For example, Discover® Card offers 0% on balance transfers for 12 months and Blue from American Express® and American Express IN:NYC charge no balance transfer fees. Compare all 0% balance transfer cards options properly, fill the application and submit it online. All the best, Manager of Immediate Credit Card Care Service |
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User Name:
mayra |
Date:
April 24, 2007, 4:32 am |
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im a high school student under 18, what are my options |
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Answer:
If you are not 18 yet you don't have the right to get a card. However if you wish to build up your credit history you can do the following. Ask your parents to open a savings and a checking account in your name, if they haven't done it yet. This is essential as it proves your financial independence and ability to deal with money. You can also become an authorized user of one or more of their credit cards. In this case the cardholders will be your parents but you will be able to use the credit limit. Try to keep the balances on them as low as possible, as all the information (both positive and negative) will be reflected in your report. Another way is to draw the so-called co-signer, that is a person who will be responsible if you don't pay off your bills on time. But mind that in this case too all the negative information will hit your report and damage your score. If you use your cards properly your credit history will be good and in time you'll be eligible for the best credit cards. All the best, Manager of Immediate Credit Card Care Service |
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User Name:
Bernard |
Date:
April 26, 2007, 10:08 am |
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My lowest score is 597, my wife's lowest score is 620. Can we qualify for an American Express Card? Or do you konw which card we can qualify for other than Providian/Washington Mutual. We are looking for a card that will allow us to transfer balances and gain reward points.
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Answer:
Balance transfer is a widespread tool of consolidating the whole debt on the one card that generally offers better terms – lower APR, 0% intro APR for balance transfers, no extra fees, etc. Thus, balance transfer cards can be a fine way to decrease debt, to save money and to improve the credit score. However the thing is that the best balance transfer cards (including American Express) are offered only to people with either good or excellent credit (that is whose credit score is above 660). Still, even if your score is yet not high enough that does not mean you can’t make a transfer of balance. There are cards for people with fair credit that allow balance transfers. Thus, the most important thing is to consider your score: 597 is regarded bad, but 620 is fair. That means your wife is eligible for the cards that permit balance transfers, for instance, Capital One® Standard Platinum Capital One® Platinum. These are the cards for the people who want to improve their history. They offer no introductory period with 0% APR, nevertheless the balance transfer is possible. Read all the details concerning these cards and if the satisfy your requirements apply for one of them online. All the best, Manager of Immediate Credit Card Care Service |
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User Name:
henrik randerius |
Date:
April 30, 2007, 6:50 am |
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Is APR [annual percent rate] a porcent payment to me?
Or
Have I to pay that to card company?
Sincerely
henrik |
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Answer:
APR is the annual percentage rate on a credit card. In other words, it is the amount you will pay in interest charges per year. So, it can be defined as the cost of credit as a yearly rate. The APR that you have to pay to the credit company may vary due to several factors. If you have a good or excellent credit score, you will probably be offered one of the best credit cards with a low APR. However, if you are applying for your first card or have a bad credit history, your APR will be much higher. Remember, that the APR is not the rate on your loan. It is a value created according to a special formula intended to reflect the true annual cost of borrowing, expressed as a percentage. So a loan with a lower APR is not necessarily of a better rate. However the APR is generally used as a starting point to compare loans. |
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User Name:
Interest rate |
Date:
May 6, 2007, 5:02 pm |
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My credit score is according to my bank 678, is this poor or fair, I know is not good or excellent, I also have 2 cards with Capitol One that have 500 and $2,500 balances on it, and one with Wahington Mutual that has $3,200. I would like to find a good low rate for the life of the transfer or even better 0 interest for the life of the transfer balance, do you think with my score I can get something like this?.. and who?....or which card?.. Tks
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Answer:
First of all it is important to get your score not only from one bureau, but from all three of them. It is essential because credit companies generally look at the lowest score, not at the highest one. If your lowest score amounts to 678 it falls into the "good credit" category (660-749). If you wish to consolidate your debt on one card you may turn to the so-called balance transfer cards. These cards allow you to reallocate your debt to one card with lower rate. Most of them offer 0% intro APR for a period from 6 to 12 months and no annual fee. Balance transfer cards are available for people with good credit, so you can apply for one of them. Compare the offers on our site, read all the information concerning terms and amount of payments and then choose the card that satisfies your needs.All the best, Manager of Immediate Credit Card Care Service |
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User Name:
Deborah |
Date:
May 10, 2007, 11:52 am |
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I would like to know, how can I get a credit card. I have very poor credit. If you can, please give me some advise or a list of credit card I can start with. |
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Answer:
First of all you should turn to the three credit bureaus - Equifax, Experian and Transunion -and request your reports. Check your reports attentively for any mistakes or misleading information. If there are any, ask the bureaus to correct them immediately. After that learn your credit score. If your score is poor (350-619), you must choose among the cards for bad credit. There are several variants of them on our web-site. Read all the details, fully understand all the terms and then choose the one that satisfies your needs and requirements. Another way to go is to turn to the so-called secured credit card. To receive one you'll have to open a deposit that will serve as a guarantee of your ability to pay. When you choose the card that suits you most just fill the required form and submit it online. After getting an approval, visit the bank and receive your card. |
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User Name:
Darlene Eckleberry |
Date:
May 11, 2007, 9:40 am |
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I'm really confused. I need $3000 for some dental work. But now I see that you also have balance transferes, etc. But it is confusing. Can some one help me choose the best one for me. My credit is good. I would like to find somethng with no transfer fee, and a low or no interest rate. |
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Answer:
A credit card balance transfer implies reallocating your debt from high rate card to a better one. The main aim of it is to save money, because the majority of lenders offer no annual fee, no extra fees, 0% introductory APR on balance transfers for a period from 6 to 15 months. Besides, it is also possible to consolidate debt from more than one card. At our site you can find the best balance transfer cards applications that will help you solve the problem of debt. Their terms differ, and it is difficult to guide you to any particular offer, as it all depends on your desires and requirements. If you want something without balance transfer fees you can pay your attention to IN:NYC Card from American Express or Blue from American Express®. Mind however that the intro period on these deals are less that on other ones. So, the best way is to compare all 0% balance transfer cards options properly, choose one that suits you most, fill the application and submit it online. All the best, Manager of Immediate Credit Card Care Service |
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User Name:
Shannon Thomas |
Date:
May 15, 2007, 10:33 pm |
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I would like to do a balance transfer and am considaring your card as an option, can you tell me as I'am un-clear what the % rate is on monthly payments? |
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Answer:
If you are eager to cut down your debt and to save money, application for a balance trasfer card is a fine way to go. Such cards allow you to transfer your balance from a card with higher rate to a better one. Most of them offer 0% intro APR for a period from 6 to 12 months and no annual fee. Look at the page on our site devoted to balance transfer cards. There you can find detailed information about several of them from Visa, MasterCard, Discover, American Express and other credit card companies. The lowest % APR is offered by Discover (10,99%). Nevertheless, read all the information about terms and amount of payments on each card carefully and make a choice according to your needs. All the best, Manager of Immediate Credit Card Care Service |
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User Name:
Jason Waterman |
Date:
May 16, 2007, 2:31 pm |
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I am a sales consultant with an auto dealer and have recently checked my credit thru eqifax and my score was 592 3 weeks ago...I need a card with a limit of 500-100, which banks should I look into for this |
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Answer:
First of all we recommend you to request your reports from all three credit bureaus, not only one of them. Check them thoroughly for any misleading information and ask the bureaus to correct all mistakes and inaccuracies. Then learn your current score. You see, the score only reflects your state at particular moment of time, and if your information has changed, your score might change as well. If your score is 592 your credit is considered bad. But don't be upset about this, as you are still eligible for a credit card. On our web-site you can find several offers for bad credit from First PREMIER bank. Read all the details about each card and choose the one that suits your needs. |
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User Name:
suzanne |
Date:
May 22, 2007, 9:38 am |
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should I close the credit cards I am no longer using? |
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Answer:
If you possess any credit cards (even if you do not use them) it still affects your history. The banks continue to report to credit bureaus even if your balance is 0. That’s why if you sometimes use these cards properly (pay off on time) you score will increase. However the situation on the whole depends on how much cards you have and how good payer you are. It would be best if you have a couple of cards in good standing (you pay on time) open at any time (for instance, 3 or 4 with high limit). However if your cards are too many in will negatively affect your score (because the risk for banks is very high). Still, if your loans are on the contrary too few it also may be bad for your history. Now if you have five good credit cards with high limit and you close one or two of them, it will not influence your score. However if you possess two and your score is fair and you close one, your score will probably be decreased. All the best, Manager of Immediate Credit Card Care Service |
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