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Displaying 1440 to 1450 (of 1947 questions) |
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User Name:
keondra Beverly |
Date:
September 26, 2007, 10:39 am |
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how can i check the balance on my credit card? |
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Answer:
Regrettably it is out of our competence to give you any information on the balance of your credit card. We don't represent any particular bank or credit company. Our web-site is aimed at providing sufficient and up-to-date information about various credit offers, 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. However we do not possess any personal information, including the numbers of accounts and other financial data. To learn your balance and other financial data you should turn to the official web-site of your bank and register there. Many banks allow registered users to get information about their credit online. |
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User Name:
Paulette Jemal |
Date:
September 26, 2007, 10:51 am |
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What is the limit for balance transfers? I have high interest rates on a few of my cards? |
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Answer:
Balance transfer is a widespread way to consolidate the whole debt on the one 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 amount you will be able to transfer is actually determined by the limit of the balance transfer card. This limit is mainly defined by your credit risk, your annual income and bank's decision. The better payer you are the higher limit you get. Balance transfer deals are designed mainly for people with good or excellent credit history, thus, if you are eligible for them you'll probably get a limit of no less than several hundred dollars. |
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User Name:
Kami Allen |
Date:
September 26, 2007, 2:33 pm |
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what unsecured credit card can i get with a 619 credit score |
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Answer:
If your score amounts to 619 it is considered bad. However there are still some cards you can apply for. Nowadays many banks, such as Columbus, Dakota, First PREMIER, Millennium and Orchard, offer deals for bad credit. 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. |
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User Name:
Wanda VonEhr |
Date:
September 26, 2007, 3:47 pm |
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Need to cancel a couple of credit cards not used in years. What is the process? How do I find the phone numbers and customer service as most statements do not have numbers? |
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Answer:
The way of cancelling an undesired credit card is determined by the bank and is described at its official site or can be explained by phone. As far as we are not a credit company, we can't assist you in cancelling the card, so you'd better try to contact your banks again and ask them for details of this procedure. All major banks have their official websites that can be easily found in the web and contain all the contact information. In most cases there are two ways: you call the customer service and dictate the necessary information to the operator; you go to the official site of the bank and follow the given instructions to fill out the cancellation form. Of course, if there are fees that you are not likely to pay, it's better to cancel this credit card to avoid undesirable payments. However you should mind that cancellation may damage your credit score a bit. |
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User Name:
ahmed abouzied |
Date:
September 27, 2007, 1:06 am |
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i,ld like to put all my credit cards outstanding balance in one law intersted credit 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:
Margie Castleberry |
Date:
September 27, 2007, 9:48 am |
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What does your credit score need to be to obtain the introductory offer 0 percent for 12 months on the Discover card? |
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Answer:
The credit score is crucial as it helps the lenders to decide whether you qualify for the chosen card or not. It is the main indicator of your creditworthiness. Generally speaking, the higher score you have the more favorable terms of credit you are able to obtain. According to the most widespread system of scoring the numbers are devided as follows: from 350 to 619 - poor credit, from 620 to 659 - fair credit, from 660 to 749 - good credit and from 750 to 850 - excellent credit. Discover offers are designed mostly for good-to-excellent score owners, requiring financial discipline and responsibility to apply for them. Thus, if you are eager to apply for one of Discover deals your lowest score must be at least 660. |
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User Name:
emrol |
Date:
September 27, 2007, 1:49 pm |
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how is my credit limit determed |
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Answer:
The credit limit is the maximum amount of money you may charge on your credit card. The limit is defined individually in each case. It is mainly determined by your credit risk, your annual income and bank's decision. It depends on the terms of your card and may be changed according to your credit history. If you prove to be a good credit payer, you'll be given a higher limit. If your score is poor your limit won't be high - it will probably amount to no more that several hundred dollars; if you have good score the limit might be several thousand. Keep in mind that the limit is not a constant figure, it may change as your score changes. And it may not only go up, but also go considerably down. That's why if you want the higher limit you must use your credit lightly, pay all the bills on time and keep your score as high as possible. In this case you'll be able to apply for the best credit cards with the highest limits. |
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User Name:
christi |
Date:
September 27, 2007, 3:17 pm |
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how do i get a credit card without 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:
kerr |
Date:
September 27, 2007, 6:53 pm |
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I want to re-establish my credit. It is not so good, but i want a credit card that's not going to charge so much in the beginning. |
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Answer:
Nowadays bad credit does not mean that you can't apply for a credit card and be approved. Some banks, such as Columbus, Dakota, First PREMIER, Millennium, Orchard issue cards for people whose credit needs improvement. You must understand however that the terms of the card are by far determined by your credit risk; thus, the better your history you have, the better terms of credit you are eligible for. That's why it is rather difficult to find cards for bad credit without any fees. Most of them charge annual fee (though its amount can vary significantly), setup or maintenance fee. Look through the page devoted to bad credit offers, compare details of each card and choose the one you like most. If you don't want to pay absolutely any fees you should raise your credit score - that is pay all your bills on time and use your cards lightly. In this case in time your history will be improved and you will be eligible for the cards without annual and other extra fees. |
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User Name:
Michelle |
Date:
September 27, 2007, 7:15 pm |
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I am looking for a credit card that has no annual fee and one I get get approved with less than perfect credit. Can you help me? |
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Answer:
"Less than perfect" is quite a vague definition actually. The asnwer to your question mainly depends on the score and on the way you managed your monthly payments and spending. You should know the credit score for sure. The score is very important for applying for a card. It is the main indicator of your creditworthiness. If your score is between 620 and 659, your credit is considered fair. In this case you can apply for a card without annual fee. Such cards are available with Capital One. |
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