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

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

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

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

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

how do i get a credit card

If you are eager to apply for a credit card, the most significant thing is to choose for which of them to apply. Our web-site is designed to assist you in this choice. Here you are able to find useful and up-to-date information about all types of them - bad/no history credit cards, cards for fair credit, best cards of all, etc. The first and the most crucial thing you should do is to request your credit report and choose one according to your current score. Mind that your score is of extreme significance and by far determines your opportunities. Make your choice carefully because if your score is not high enough you'll be denied and your score will be further damaged. If your current score is below 620 turn to bad credit offers, if it amounts to 620-659 choose among fair credit cards, and if it is above 660 you are eligible for deals for people with good history. After you've chosen the card you need you only have to fill the required application form and submit it online. When your application is approved, you credit card will be sent to you by post. If you have any questions concerning the choice of cards, we'll gladly try to help you. All the best, Manager of Immediate Credit Card Care Service

my question is im looking for an credit card that needs no credit or bad credit can u help me

If you have a poor credit (below 620) and want to improve your score there are some cards you can apply for. Nowadays several banks, such as Columbus, Dakota, First PREMIER, Millennium and Orchard, offer deals for no/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. 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

How do I get my Credit Score and Report free?

Credit report is one of the most important factors in question of taking credit. Knowing your FICO credit score puts you one step ahead when you apply for a credit card. The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies "Equifax, Experian, and TransUnion" to provide you with a free copy of your credit report, at your request, once every 12 months. The FCRA promotes the accuracy and privacy of information in the files of the nation's consumer reporting companies. You may request your free credit report online, by phone or through the mail. When you get a clear picture of your credit conditions, you can apply for a credit card with confidence. All the best, Manager of Immediate Credit Card Care Service

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

looking for a credit card to build credit that i don't need to add money for a credit line to

You should try to apply for an unsecured credit card for bad or no credit. Even though you probably will not get the most beneficial deal, it is a good chance to build your credit. You will probably get higher interest rates and pretty low credit limit. Banks will watch how you use your card and later offer you a better deal. We suggest you Centennial Gold MasterCard/Visa Card by First PREMIER Bank. This card offers guaranteed approval and low APR on purchases. Apply online and build your credit history.