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How to Get a Credit Card with Low Credit Score or Bad Credit
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Displaying 1260 to 1270 (of 1947 questions) |
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User Name:
hersi |
Date:
August 6, 2007, 9:25 pm |
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i want my credit score |
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Answer:
Credit score is very important because it defines whether you qualify for this or that card or not. If you have decided to apply, first of all, request you credit report and check it for any mistakes or inaccurate information. It is recommended that you do it regularly. Learn your current credit score. It will be better if you request the score from each of three credit reporting agencies, such as Equifax, Experian and TransUnion. It is important because the numbers may differ, and the lenders generally look at the lowest score. If your score amounts to 0-619 it is regarded poor, if it is 620-659 it puts you into the "fair credit" category, if it is 660-749 you score is considered good, and from 750-850 you score is excellent that means you are eligible for the best credit offers. When you know your credit rating you can turn to the category for the good, fair or bad credit offers. Compare the deals, read all the details concerning each of them and choose the one that suits your needs. After that fill the application and submit it online. |
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User Name:
ron oliver |
Date:
August 7, 2007, 1:55 am |
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can i have credit card online without bank account?
HOW DO I APPLY FOR A CREDIT CARD WITHOUT HAVING A BANK ACCOUNT? |
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Answer:
The bank account is not an indispensable criterion to be approved for a credit card. Much depends on the type of card you are going to apply for. There are the so-called secured credit cards, which are generally (but not necessarily) issued to people with bad or no credit history. To get such card you must deposit some amount of money to guarantee your ability to pay off your debt. Thus, you can't receive a secured card without an account. If you wish to obtain an unsecured credit card however you can do without a bank account. The much more important thing is to consider your credit report and to learn your credit score. It is the score that defines your creditworthiness. Mind, that if the score is low, unsecured cards for bad credit generally charge higher interest rates and fees. The initial credit limit is rather 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. |
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User Name:
Ismael |
Date:
August 7, 2007, 2:32 pm |
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what is a mastercard secure code
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Answer:
MasterCard SecureCode is a new service from MasterCard and your card issuer (bank) that is meant to provide additional protection when you buy online. The idea is that you choose your own personal MasterCard Secure Code and it is never shared with any merchant. A private code means extra protection against identity theft when you shop online. It is a simple and secure way to pay online stores. To choose your own secure code, turn to the official site of MasterCard and follow the simple steps outlined by your financial institution. After that every time you pay online with your MasterCard or Maestro card, a box pops up from your card issuer asking you for your personal SecureCode. It is very similar to entering a PIN at the ATM. In seconds, your card issuer confirms it's you and allows your purchase to be completed. |
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User Name:
Tony |
Date:
August 7, 2007, 6:45 pm |
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Which credit Card Compnay use Transunion for credit approval |
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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. Applying for a card using only TransUnion score is rather risky because you may be denied. |
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User Name:
tkhamta@yahoo.com |
Date:
August 7, 2007, 8:17 pm |
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is it bad to have too many credit cards, i have about 5 major credit card and have about 15 department store cards. will it effect my credit score if i have so many. only about 3k total owed |
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Answer:
Your credit score depends on many factors, including the number of your current cards. As a rule, you should have a couple credit cards in good standing (you pay on time) open at any time. Three or four with high credit limit is an ideal situation. If you have too many cards it will decrease your score (because you have too much credit and that is a risk for banks). Also, if you have too few credit accounts (not necessarily credit cards, you can have loans, mortgages, etc) it is also bad for your score. If you have a couple of credit accounts in good standing and you can have only 2 or even 1 credit card, it is ok. Now if you have 5 cards with high limit and you close one or two of them, it will probably not effect your score. |
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User Name:
brian snyder |
Date:
August 8, 2007, 10:07 am |
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how can I apply for a credit card with a cosigner
Which credit cards will allow a co-signer? |
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Answer:
All credit cards for good credit in fact 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 do the following. 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 building his credit history as his payment info. will be sent to all credit bureaus every month. |
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User Name:
brian mcdowell |
Date:
August 8, 2007, 11:20 am |
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i hane a credit card and would like to know how to get a balance travsfer and be able to have available credit |
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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 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:
confused_one |
Date:
August 8, 2007, 8:50 pm |
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I have 700+ score from two bureaus and 590 from the other one. So do i have good or bad credit? Should i apply for a good card or not? |
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Answer:
The credit score is a three-digit number, that is crucial as it helps the lenders to decide whether you qualify for the chosen card or not. This score is calculated by the three bureaus - Experian, Equifax and TransUnion. In theory, all lenders and issuers must report to all three bureaus about all items in your credit history. In practice however the situation may differ. 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, as it has happened in your case. You highest scores are above 700 that is considered good. However the third score (590) fall into the "bad" category. You see, the lenders generally tend to look at the lowest score, not at the highest one. That's why even your two scores are good you may be eligible only for bad credit offers. To resolve this situation you should request your reports, check them, and correct all mistakes or omissions. In future try to keep you scores equal or at least on the same level. |
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User Name:
Gladys |
Date:
August 9, 2007, 2:06 pm |
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how can i get a credit card or debt consolidation with bad credit?
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Answer:
If you have a poor credit (below 620) and want to raise your score there are some cards you can apply for. Nowadays 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. Talking about consolidation of debt, it is generally accomplished through the transfer of balances. Unfortunately balance transfers are unavailable for people with bad score. |
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User Name:
baldev m c |
Date:
August 10, 2007, 6:26 am |
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how can i get sbi credit card |
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Answer:
At the moment you can find on our site the best cards for the residents of the USA as well as the cards for the UK, Canada and Belgium. We are glad to render a service of online application for residents of these countries. Our website presents you sufficient and up-to-date information about various credit offers from the most reliable banks, including cards for excellent, good, fair, bad or no credit history. We are glad to present the details about different cards and to help the customers choose one of them according to their credit score and their requirements. Besides, we render a service of online application for the chosen card. Unfortunately, we do not present any offers from State Bank of India. If you wish to apply for one of its cards you should turn to its official website and learn the needed information there. |
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