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How to Improve Credit Secured Credit Card
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Displaying 1180 to 1190 (of 1947 questions) |
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User Name:
maryk |
Date:
July 13, 2007, 7:33 am |
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Will it improve my credit score if I cancel credit cards that I am not using? |
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Answer:
Not likely. In fact cancelling a card can really lower your credit score, and if no annual fee or something of the kind is included into the terms of the card, it's not necessary to cancel the credit card until its expiry date - but this won't add any credit points to your report. If you still have an intention to cancel your card, you should ask your bank about the details of this procedure. Unfortunately, our site can't assist you in cancelling the card, as we are not credit card issuers and therefore we don't have the right to cancel credit cards. The only aim of our site is to provide information about the best credit offers from various banks. We can advise you either to call the customer service and dictate the necessary information to the operator, or go to the official site of the bank and follow the given instructions to fill out the cancellation form. |
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User Name:
Phil |
Date:
July 13, 2007, 11:06 am |
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My credit score is 598 and I'm also a part-time student. I have a student checking account and a savings account, I've also just been dicharged from bancruptcy. I want to start rebuilding my credit. What type of credit card should I apply for? |
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Answer:
If your score is 598 and moreover you had bankruptcy in the past your credit history is regarded bad. Mind, that negative information especially that of bankruptcy may stay on your report for a long time - up to 10 years. Still, even if you have a poor credit and want to raise your score there are some cards you can apply for. At present many 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. 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. |
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User Name:
Neema |
Date:
July 13, 2007, 7:39 pm |
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I am new to this, I was a credit card to build a credit score. I have never had a credit card before. I did however take college loans but the payment plan for those begin in September. Whats the best card to have?
Thanks :-) |
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Answer:
If you have no credit history and want to establish one there are some cards you can apply for. Nowadays many banks, such as Columbus, Dakota, First PREMIER, Millennium and Orchard, offer deals for no credit. On our site turn to the page devoted to cards for no credit. Read all the details about each card, compare the present offers and choose one that suits your requirements. Another way to build up your credit is to apply for one of the so-called secured credit cards. With this card you will have to deposit some amount of money to guarantee your ability to pay. On our site you can find several variants of these cards too. Besides, if you are a student, you can compare best student cards presented on our site. Their terms are much more favorable that these of common deals for no credit. After you've chosen the card you like just click "apply" and submit an application online. The bank will consider it and send you the card by post. |
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User Name:
alex |
Date:
July 13, 2007, 9:31 pm |
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whats the easiest way to sart my credit
i dont have any credit established what can i do to get credit? |
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Answer:
If you have no credit history and want to establish one there are some cards you can apply for. Nowadays many banks, such as Columbus, Dakota, First PREMIER, Millennium and Orchard, offer deals for no credit. On our site turn to the page devoted to cards for no credit. Read all the details about each card, compare the present offers and choose one that suits your requirements. Another way to build up your credit is to apply for one of the so-called secured credit cards. With this card you will have to deposit some amount of money to guarantee your ability to pay. On our site you can find several variants of these cards too. After you've chosen the card you like just click "apply" and submit an application online. The bank will consider it and send you the card by post. |
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User Name:
jodie barry |
Date:
July 13, 2007, 10:41 pm |
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do you offer a credit card with a cosigner |
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Answer:
As a matter of fact all credit cards for good credit allow to co-sign for someone. However keep in mind that you can not apply with a co-signer right away online. If you are eager to get a card with a co-signer, you should undertake the following steps. First of all, person with good score (co-signer) applies online through our service for any good/excellent credit card. He/She gets approved. Then this person can call the bank and say that he would like to add someone to his account and that he will be a co-signer for a person with bad credit history. He must tell social security of that person. Co-signer receives a statement by mail, that a person with bad credit must sign and send back. Now person with bad score shares an account with co-signer. By making timely payments person with bad credit will start establishing his credit history as his payment information will be sent to all credit bureaus every month. |
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User Name:
christina |
Date:
July 15, 2007, 11:23 am |
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how can i get a credit card for the first time in my life? |
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Answer:
Thank you for addressing your requests to our service. We hope our answer helps you. If you have no credit it is not such a big problem as it may seem. In this case you are offered bad/no credit card applicatons. These need FICO score of 0-619. Moreover, check our best choice for bad/no credit history: Centennial Gold MasterCard Visa by First PREMIER Bank. However, speaking about best opportunity to establish your credit is considered to be secured credit card applications. In this case you have to deposit a certain amount of money or any property to secure your credit and to guarantee your payments in good faith and at a proper time. We suggest you to compare two variants of secured plastics - Black Diamond Visa or Mastercard by Millenium Bank and Secured MasterCard by Orchard Bank. See the links attached for more details. |
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User Name:
Kathleen Jordan |
Date:
July 15, 2007, 1:42 pm |
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How do I get my credit up when nobody will give me a credit card |
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Answer:
Thank you for addressing your requests to our service. We hope our answer helpsd you to find a credit card you need. First of all, note that every time your application is cancelled affects your credit score in a negative way. Now, the best way for you is to apply for a secured credit card. You should take into account that such a card requires a certain amount of money. However, such credit cards are considered to be the best method of building or rebuilding your credit history. Please examine our secured credit card applications. |
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User Name:
Bhushan |
Date:
July 16, 2007, 12:36 am |
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I am live in India so how to apply for credit card? |
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Answer:
Thank you for your question. Unfortunately, at our site there are no credit cards for the residents of India. Here we offer credit cards for the residents of Canada, UK, Belgium, and, of course, the USA. We can recommend you to address your requests to your local bank or search for the appropriate variants in the Internet. |
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User Name:
brian |
Date:
July 16, 2007, 4:50 pm |
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Can i transfer all of my credit card debt to just one card? |
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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. At 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. |
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User Name:
LaTonya Louden |
Date:
July 16, 2007, 6:34 pm |
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Am i gauranteed to get a credit card through your company |
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Answer:
You see, your question is in fact not quite correct. As a matter of fact our company does not represent any particular bank or card issuer. We are not a bank or any financial institution. Please, mind, that we don't issue any cards ourselves. The aim of our website is only to provide the customers useful and up-to-date information concerning various offers from the most popular and reliable banks. In addition we render a service of online application for a chosen card. However we don't approve or deny the applications. It is absolutely beyond our competence. It is the bank that decides whether you qualify for this or that deal or not. Still, there are some general recommendations. If you want whether you are eligible for a card or not you should request your credit report and learn your score. If your score is less that 620 you will be only approved for bad credit deals. If it amounts to 620-659 you are eligible for fair credit cards. And if it is above 660 you can submit an application for the offers for good history. Thus, having learnt your score, turn to the appropriate category and compare the present deals. Choose one and apply for it online. |
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