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Bad Credit No Problem Balance Transfers
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Public Savings Bank Secured Black Card
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• 0% APR for 6 months on purchases.
• No Annual Fee.
• We report to all 3 credit bureaus.
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Displaying 1090 to 1100 (of 1947 questions) |
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User Name:
Marjorie G Vice |
Date:
June 17, 2007, 3:16 pm |
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Can I apply for a credit card online when I reside in South Africa? |
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Answer:
At present on our site we are glad to present the best credit offers for the residents of such countries as the USA, the UK, Canada and Belgium. Besides, our website renders a service of online application for official residents of the abovementioned countries. Unfortunately we don’t offer any cards for the residents of other countries yet. If you are not a resident of the USA, the UK, Canada or Belgium regrettably the cards we present are unavailable for you. If you are eager to get one you are welcome to turn to the local bank, choose the card that suits your needs and submit an application there. |
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User Name:
Rana Coder |
Date:
June 17, 2007, 10:45 pm |
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what is a fair score |
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Answer:
A credit score is a three-digit number that is calculated specifically to define creditworthiness of people. The lenders use this figure to decide whether you qualify for a chosen card or not. The score depends on various factors – on how you use your cards, on whether you pay your bills on time and so on. If you are a good and responsible payer your score will increase and if you are late with your payments, get denials to your applications or even have bankruptcy your score will go down. To learn your current score you should request your reports from all three bureaus – Experian, Equifax and TransUnion. Ideally the three scores should be equal. For the convenience of customers the scores are divided into several categories – no credit (0-350), bad (351-619), fair (620-659), good (660-749) and excellent (750-850) credit. Fair score (620-659) means that your history is not bad, however your credit is still limited and requires improvement. On our website you are welcome to compare the best deals for fair score and choose one that suits you most. |
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User Name:
Antwan |
Date:
June 18, 2007, 12:01 pm |
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i have terrible credit. how do i get a credit card with a good amount on it to starte rebuilding my credit? |
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Answer:
If you have a terrible credit and want to improve your score there are several cards you can apply for. At present a lot of banks, such as Columbus, Dakota, First PREMIER, Millennium and Orchard, offer deals for people whose current credit is very bad. On our site turn to the page devoted to cards for bad credit. Study all the information about each offer, compare all of them and choose one that suits your needs. 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. Unlike secured cards that require a deposit to the bank, unsecured ones 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 make all the payments on time. After you’ve chosen the card you like just click “apply”, fill the required form and submit an application through our service. |
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User Name:
RONALD SIVELS |
Date:
June 18, 2007, 5:52 pm |
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HOW CAN I GET A VISA CARD |
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Answer:
If you wish to get any credit card the first thing you should do is to request your reports from all three credit bureaus – Experian, Equifax and TransUnion. Check them carefully and in case of any mistakes or inaccuracies correct them immediately. Learn your current scores. The score is the main factor that determines your chances to be approved for a chosen card. If it is 0-619 you are only eligible for bad credit cards (in there are late payments) or limited credit cards (in there are no late payments and you're just building your credit). If it is 620-659 it is regarded fair, and if the score is above 660 you credit is good and you can apply for the best cards. So, no matter what offer you prefer it must comply with your current score and history. Mind, that Visa is in fact neither bank nor credit issuer. It is a brand of credit and debit cards operated by Visa International Service Association. Numerous banks offer Visa cards and your task is to choose one according to your needs and current score. After you’ve chosen the one you prefer just click “apply”, fill the required form, submit it online and wait for the bank’s decision. |
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User Name:
Kerri |
Date:
June 19, 2007, 1:29 pm |
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How long after completing an application online does it generally take to receive a decision? |
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Answer:
As it happens it takes various periods of time to get any response from the bank for which card you’ve applied. In any case the bank needs some time to study your application, to check your report and to decide whether you are approved or denied. There are banks that offer cards with instant approval. When you apply for one of them the decision is made online within only a few minutes. However you the card you want to get does not imply instant approval you must be patient and wait a bit. It can take various periods of time – from days to more than a month - before your application is considered and the statement and the card itself arrive to you by post. Much depends on your location and on the work of the post-office. |
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User Name:
Kari Mancillas |
Date:
June 20, 2007, 1:45 am |
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Is there a card that has no balance transfer fee and a 0% intro apr? thanks. |
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Answer:
A credit card balance transfer is used to reallocate the whole debt from a high interest card to a card with more favorable terms or to consolidate debt from more than one card. The majority of issuers offer balance transfer cards with no annual fee and 0% APR on balance transfers for an introductory period from 6 to 15 months. The terms differ, and it is only up to you to decide which offer suits 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. 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. Compare all 0% balance transfer cards options properly, fill the application and submit it online. |
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User Name:
RAKESH.SUNDAR.MAHADIK |
Date:
June 20, 2007, 8:53 am |
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i already apply for a sbi creadit card u r fe is taken my docs but i cant get any reply my name is rakesh sundar mahadik staying at thane west my nm is 9967979301 pls tell my status |
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Answer:
It is in fact rather difficult to give you any information about the status of your application as our company is not a financial institution; we neither issue cards nor give loans. Our website is designed merely to provide our customers adequate and up-to-date information about the best credit offers. Here you can look through the best credit deals as well as cards for fair, bad or no credit. If you are going to apply for one of them, we will gladly try to help you in your choice. Besides, we render a service of online application for the chosen card. However we do not possess any personal information, including the numbers of accounts, information on balances and other financial data. So, if you are eager to learn the status of your application you should contact your bank and try to learn it there. |
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User Name:
judy marruffo |
Date:
June 20, 2007, 2:40 pm |
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i was wondering if i can check th e status of my application on a premier platinmun mastercard? my name is judy marruffo
i have e-mailed onn many occasions ,and have not recieved any responses on my credit card staus .i have also left my e-mail address and no e-mail response . i need you right away to e-mail me at ridepets@yahoo.com, and leave a message in my inbox!. |
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Answer:
Please, keep in mind that it is beyond our competence to tell you the status of your application. Our web-site is only aimed at providing sufficient and up-to-date information about various credit offers, including cards for excellent, good, fair, bad or no credit history. After you’ve applied for a credit card online, you have to wait for the bank's decision. It can take various periods of time, depending on the type of the card chosen. In some cases you can be approved immediately (with instant approval cards), in other cases you have to wait for a couple of days, a week or even a month. You see, the bank needs some time to check your credit report and decide whether you are approved or denied. When the decision is made the bank sends you a statement and a card itself. We can't tell you exactly whether you've been approved or not as it is only the bank that provides such information. You can enter the official site of the bank by clicking the link "Apply" for the card at our site. In case you don't get an answer for a long time, contact the bank and clear out the situation there. |
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User Name:
MARTHA |
Date:
June 20, 2007, 5:02 pm |
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I NEED TO INPROVE MY CREDIT..BUT EVERYONE WANTS AN UPFRONT FEE AND THEY ONLY WANT TO GIVE ME A
LOW CREDIT AMOUNT ON THE CARD. SO WHERE DO I TURN TO ?FOR A GOOD CARD.
HOW DO I GET A GOOD CREDIT CARD TO REBUILD MY CREDIT BACK UP..I NEED THIS CARD TO BE A VERY MUCH OF AMOUNT. AND NO UPFROUNT FEES. |
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Answer:
If you are going to apply for any credit card the first and the most important thing you should do is to learn for which deals you are eligible for. Obviously if you wish to rebuild your history your score is not so high, but such information is not enough. It is crucial to know your current credit scores for sure. Thus, request your reports from all three credit bureaus – Experian, Equifax and TransUnion – and get your scores. After that you are welcome to turn to the section that complies with your score. If it is below 620 your credit is considered bad, if it amounts to 620-659 you should look through deals for fair credit, and if your score is above 660 it is regarded good. Read the information about each offer in your section and choose one that suits you most. The amount of money on the card depends on your rating and on the card you’ve applied for. If your score is either bad of fair your initial limit won’t be very high (probably a few hundred dollars). However if you prove to be a good payer the limit can gradually increase. Cards without fees are also available only for people with no less that fair score. |
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User Name:
Shawn Daniels |
Date:
June 21, 2007, 12:23 pm |
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what is my status of the platinum card I was approved for |
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Answer:
Please, keep in mind that it is beyond our competence to tell you the status of your card. Our web-site is only aimed at providing sufficient and up-to-date information about various credit offers, including cards for excellent, good, fair, bad or no credit history. After you’ve applied for a credit card online, you have to wait for the bank's decision. It can take various periods of time, depending on the type of the card chosen. In some cases you can be approved immediately (with instant approval cards), in other cases you have to wait for a couple of days, a week or even a month. You see, the bank needs some time to check your credit report and decide whether you are approved or denied. When the decision is made the bank sends you a statement and a card itself. So, the time that passes before the card finally arrives to you depends largely on your location and on the work of the post-office. We can't tell you exactly whether the card has been sent to you or not as it is only the bank that provides such information. You can enter the official site of the bank by clicking the link "Apply" for the card at our site. In case you don't get an answer for a long time, contact the bank and clear out the situation there. |
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