User Name:
steve

how to find out which credit report a credit card uses before applying?

Credit bureaus are credit reporting agencies that collect information about consumers and provide it to banks and other issuers. The three major bureaus are Experian, Equifax and TransUnion. These companies form your credit report according to the data submitted to them by various issuers and lenders. As a matter of fact all issuers must report to all three bureaus, but in practice some lenders report to only one or two of them. That's why it is extremely important to request your reports from all three bureaus and check them for any omissions or inaccuracies. Otherwise, the scores in time may vary significantly. Talking about card issuers they generally request information from all three bureaus when making a decision on whether you qualify for a chosen deal or not. They look at all three scores and as a rule are guided by the lowest one. That's why it is crucial to request your reports regularly, check them, and try to keep you scores equal or at least on the same level. If you pay attention to your reports and your credit history, you will be eligible for the best credit deals. All the best, Manager of Immediate Credit Card Care Service

User Name:
mary

is there a balance transfer fee on the discover cards?

A credit card balance transfer implies reallocating your debt from high rate card to a better one. It's often used to save money, because the majority of credit companies offer no annual fee and 0% APR on balance transfers for new customers. Besides, it is also possible to consolidate debt from more than one card. Mind that these cards are created primarily for people with good or excellent history, so request your report before applying for a card. Check it for any mistakes and if you find any correct them immediately. Learn your credit score. If it is above 660 you are certainly eligible for one of the 0% balance transfer cards. 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 only up to you to decide which offer suit you most. For example, Discover® Card offers 0% on balance transfers for 12 months, however they require a transfer fee of 3%. 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

User Name:
ida

how do i find a credit card applicaant in which i can transfer my current card balance to it. I want to close out one account that has a high APR and get a card that will allow me to transfer my accout to it with a lower apr

A credit card balance transfer implies reallocating your debt from high rate card to a better one. It's often used to save money, because the majority of credit card companies offer no annual fee and 0% APR on balance transfers for new customers. Besides, it is also possible to consolidate debt from more than one card. On our site you can find the best balance transfer cards applications that will help you solve the problem of debt. Compare all 0% balance transfer cards options properly, fill the application and submit it online. Balance transfer cards in fact help you to move your high-rate balance to a better card. So, you can avoid debts with their help, and consequently, it will positively affect your credit. Mind that these cards are designed mainly for people with good or excellent credit history, so request your report before applying for a card. All the best, Manager of Immediate Credit Card Care Service

User Name:
chandler cook

My girlfriends credit card rates are through the roof should i cancel them or try to negotiate with the current service? Her pay history is excellent.
thanks chandler

If the APR of your girlfriend's card is too high, perhaps she should transfer the balance to another card with lower interest rate. Canceling a card will really lower her credit score. Balance transfer is a widespread way to reallocate the whole debt to the 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 good way to reduce debt, to save money and to increase the credit score. The best balance transfer cards however are available only for people with either good or excellent credit (that is whose credit score is above 660). If your girlfriend's score is excellent she shouldn't have any problems with getting an approval for one the best balance transfer deals. On our site you can find the best balance transfer cards applications that will help her to solve the problem of debt. 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

User Name:
carey

what is the lowest score considered for a credit card?

As a matter of fact nowadays almost any person can be approved for this or that credit card. The thing is - which one you are eligible for. There are some general recommendations. The first and the most important thing to do is to request your credit report and get to know your score. This three-digit number serves as the main indicator of your creditworthiness. If you have never applied for any card choose among the no credit offers. If the score is below 620 you can only be approved for the bad credit deals. If it is 620-659 turn to the cards for fair credit. And if your score is above 660 you are actually eligible for the best offers. Thus, turn to the appropriate category, read all the information attentively and choose the deal that suits you most. Then fill an application and submit it online. All the best, Manager of Immediate Credit Card Care Service

User Name:
Dana Ferrara

My credit history is very poor due to my divorce. Iwould like to start re building it. I am a teacher and my yearly income is 70 000 a year. My mother's credit is very good and she would like to co sign for me. What credit card comapnies would grant me a card with a co signer?

All credit cards for good/excellent credit history enable you to co-sign for someone. But you can't apply with a co-signer online. If your mother wants to co-sign for you she needs to apply online for any credit card with good/excellent credit. She gets approved. Then she calls a bank and says that she would like to add you to her account. She must tell your social security number. Then she will receive statement by mail. You must sign it and send back. So you will be sharing an account and credit limit with a co-signer. But you will have different cards with different numbers. By making regular payments you will be building your own credit, because all the info will be sent monthly to all credit bureaus.

User Name:
Troy

Are there business credit cards for businesses that a 5 year but have no credit history and dont need personal garuantee

Our website gives you a fine chance to compare business credit offers fitting your special needs and financial plans. Nowadays banks present a great variety of online applications for small new businesses. Among the best online business deals, presented at our site, you can find best offers from the USA top companies and banks - Visa®, MasterCard®, American Express® and others. However, all small business credit cards that we present require "personal guarantee" or in other words require Social Security number. We do not have any credit cards that would require business EIN, based on companies credit history. All the best, Manager of Immediate Credit Card Care Service

User Name:
parbattie gopaul

i have very bad credit,but iwant a credit card so i can start a small busniess

Even if you current score is very low there are still some cards you can apply for. At the moment a number of banks, such as Columbus, Dakota, First PREMIER, Millennium and Orchard, offer deals for bad credit. On our site turn to the page devoted to cards for bad credit. Consider all the information about each card, compare the present offers and choose one that suits your requirements. Another way to restore your credit is to apply for one of the so-called secured credit cards. A secured card is a good way to establish a history and it is generally offered with lower rates than unsecured cards. This card requires you to deposit some sum to ensure your ability to pay. On our site you can find a few variants of these cards too. After you've chosen the card you like just click "apply", fill the required form and submit an application through our service. All the best, Manager of Immediate Credit Card Care Service

User Name:
Rose

I am looking for low fee credit card for bad credit.

If you have a poor credit (below 620) and want to improve your history there are some cards you can apply for. Nowadays several banks, such as Columbus, Dakota, First PREMIER, Millennium and Orchard, offer deals for bad credit. On our site turn to the page devoted to cards for bad credit. Consider all the information about each card, compare the present offers and choose one that suits your requirements. Unlike secured credit cards that require a deposit to the bank, unsecured credit cards don't demand to deposit anything. However unsecured cards for bad credit generally charge higher interest rates and fees. The initial credit limit is generally low; it'll increase gradually as long as you pay all the bills on time. The unsecured cards can be a helpful tool in rebuilding your credit, if you use them properly (make all the payments on time). Look through the page devoted to the cards for bad credit and choose the card you like. Compare all of the terms and conditions attentively. Fill the application and wait for an approval. All the best, Manager of Immediate Credit Card Care Service

User Name:
Rob

Hi
I am looking for a securied Canadian card.
Thanks
Rob

On our site we present best Canadian credit offers from American Express CA. Unfortunately they are all designed only for people with either good or excellent history. Thus, if you have bad score or no credit you are not eligible for them yet. If you are eager to get a secured Canadian card you should consider Secured Visa card from Home Trust Bank, that is designed specifically for Canadians with bad score. However, as we don't present this deal on our website, you can turn to this bank and submit an application there. All the best, Manager of Immediate Credit Card Care Service