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Displaying 80 to 90 (of 116 questions) Page:   9 of 12
Date:
July 8, 2007, 9:19 pm



if i have already had a credit card and did not pay it is it posibile for me to get another one?

Answer:

If you didn't make payments for your credit card, it must be reflected in your credit history and consequently decrease your credit score. When you send an application for a credit card to another bank, they will look through your credit report and see unpaid payments, and there is liitle possibility that you will be approved. If you apply for a guaranteed approval card, it will give you very small credit limit at first. So, it's better to pay off everything and enjoy a good card in the end.All the best, Manager of Immediate Credit Card Care Service

Date:
July 8, 2007, 10:32 pm



I have a small business and I need a credit card for it but my credit score is low, how can I get a card without paying all the high fees?

Answer:

To get a credit card for business, you usually should have satisfactory peronal credit history, as the bank requires personal guarantee for such card until you build business credit history. At our site you can find business cards for good and excellent credit, unfortunately, but some banks (Wells Fargo, for example) issue business cards for bad credit. So you can surf the Internet and find this type of cards for your business, but be sure it will have high fees and rates, as bad credit is considered to be high risk for the bank.All the best, Manager of Immediate Credit Card Care Service

Date:
July 9, 2007, 1:40 pm



How long after approval do you recieve the card?

Answer:

The time you should wait for your card to be delivered to you depends on the bank, how soon their staff work, on the delivery service and on the place you live (it may be far from the bank's location). In the terms and conditions of the card you can see two options of delivery: regular one - about a week or less, and a faster one - for which you should pay a fee and which brings you the card in some 2-3 days. If you feel it is taking too long for your card to be delivered, please contact the bank issuer of the card and clear it out.All the best, Manager of Immediate Credit Card Care Service

Date:
July 10, 2007, 12:41 am



HOW CAN I GET A CREDIT CARD WITH A HIGHER LIMIT THAN ONLY 500.00 WITH BAD CREDIT?
PLEASE CONTACT ME

meowadoodle@yahoo.com

Answer:

It depends on the actual credit score you have. If you have no credit, you usually can count on a secured card (which is up to a thousand dollars loadable) or a card with $500-800 limit. Banks consider giving more credit to be a great risk. If you have more than 600 points, you can (under certain circumstances) be approved for more, but only if you have had a card before. There is no point in searching for a cheaper card with higher credit limit, as there are no low APR cards with 2-3 thousand dollars limit for bad credit, if you are offered one - it is a scam. Look through our credit cards for bad credit and choose one to build you credit history - to be able to get a better deal later.All the best, Manager of Immediate Credit Card Care Service

Date:
July 14, 2007, 8:30 pm



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

Answer:

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

Date:
July 17, 2007, 1:35 am



is there a balance transfer fee on the discover cards?

Answer:

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

Date:
July 19, 2007, 8:23 pm



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

Answer:

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

Date:
July 26, 2007, 1:05 pm



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

Answer:

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

Date:
July 26, 2007, 7:59 pm



what is the lowest score considered for a credit card?

Answer:

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

Date:
July 30, 2007, 2:34 pm



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

Answer:

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

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