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How to Build Credit History for Business with Secured Cards
Answering your questions is our job and we love it! |
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Applied Bank® Secured Visa® Credit Card
Apply Right Now:
• 9.99% Low Fixed APR - Rate Won´t Change Even If You´re Late!
• CHOOSE Your Credit Limit Up To $5,000.6
• $0 Fraud Liability.
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Displaying 1610 to 1620 (of 1947 questions) |
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User Name:
zbootie2@aol.com |
Date:
February 3, 2008, 7:04 pm |
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what happens when your cards get stolen and used , how does that effect your credit score and credit rating?
If you close credit card accounts does that lower your credit rating and score or is it used against you in a negative way?
I know an 80 yr old man whom says you cant close your credit cards, and keeps his in a safe, because he said the credit card companies will ruin your rate/score and it effects your credit in negative ways so he holds on to all of his. Is that true?
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Answer:
Thank you for asking your questions. 1. No, in case your credit card stolen and used your credit score is not affected in a negative way, but you should first of all report fraud as soon as a card is stolen to prove it WAS a fraud later. Pay attention, credit cards bacicaly come with the "Zero Liability on Unauthorized Purchases" point. 2. Closing a credit card is basically damaging for your credit score. Actually, it is much better to pay off your bills and keep a credit card, even not using it. Thereby you show that your relationships with a bank are established. Of course, the situation gets much easier when a credit card does not require an annual fee. |
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User Name:
Mary Rigg |
Date:
February 4, 2008, 7:29 am |
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I have never used my credit card yet you keep billing me and sending me noticesand calling me several times a day. If this harrassment does not stop i8mmediately I will contact my attorney. |
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Answer:
Please keep in mind that this site neither a bank nor an online credit card issuer. We do not use your personal information, such as phone numbers, email addresses, names, credit card numbers, etc. in any purposes. Our site is just an intermediary between a credit card issuer and a customer, so we simply cannot call you or send you any email messages. We establish a link between you and a bank. In case any undesirable incidents happen during this interaction, we strongly recommend you to address your requests to your bank you are dealing with. |
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User Name:
Bill |
Date:
February 4, 2008, 5:16 pm |
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This may be a silly question, but what exactly is the difference between an "on-going APR" and a "default APR" in regard to credit card offers? There are no clear definitions pertaining to these terms (that I can find), but I suspect I know the answer just by inference. But that's just a guess. |
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Answer:
Thank you for addressing your requests o our service. The basic Annual Percentage Rate (APR) is also known as Ongoing APR. This is yearly percentage rate. It takes place when you carry a balance on your credit card. The default APR is a PENALTY APR. So in case you are late in paying off your bills, the default APR is imposed. The default APRs are basically very high and affect your credit history in a very negative way. Pay attention, your credit card agreement may contain the point which refers to the application of a penalty rate in case you are late in making your payments. |
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User Name:
Armando |
Date:
February 5, 2008, 2:28 pm |
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I,am looking for a credit card,credit line garenty of $5,500 |
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Answer:
Thank you for addressing your requests to our service. Actually, credit limit of any credit card does not depend so much on a card itself, but depends more on a decision of your bank. They will consider your credit history and your credit score and make a decision. In fact, if you have good or even fair credit, you will not have problems with getting this credit line, since the sum you requests is not that huge. The only thing we can tell you for sureis that you will not get this credit line if you have bad or no credit score. In this case your credit limit will be not higher than $500. |
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User Name:
Silvia |
Date:
February 6, 2008, 1:29 am |
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I'm 18 years old and currently attending high school. I wanted to apply for a credit card, but i have no credit history. i'm having a problem getting one. what should i do? |
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Answer:
Thank you for addressing your requests to our service. The best way for you now is a secured credit card. Certainly, you can apply for a bad/no credit card, however, there is no 100% guarantee that your application will be approved, and this affects your credit history in a negative way. Nevertheless, you can explore our bad/no credit card applications. As of secured credit cards, these are guaranteed. Please keep in mind that in this case you will have to deposit a certain amount of money to secure your credit. To compare them and apply online examine our secured credit card applications. |
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User Name:
Griselda Lamota |
Date:
February 6, 2008, 10:44 am |
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My credit score is 677,691,690 in the three credit companies. My credit history is very short (8 months). I like to open a new credit card, my questions are:
1.) Which credit card you recommend to open ??
2.) With my situtaion which is the standard credit line ??
Thanks & Best Regards, |
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Answer:
Than you for addressing your requests to our service. According to the numbers you have given to us, your credit is good. In this situation you are actually eligible for almost every credit card you want to get, the only thing you have to do is to give us more information with regard to your needs and purposes. Let us explain. The customers with good credit can obtain: 1. credit cards with 0% Intro APR. We offer plastics with 0% introductory rate on balance transfers and purchases. 2. Credit cards with rewards. These grant various incentives, such as hotel rewards, air miles, cash rebates, gas rewards. 3. Low APR credit cards. 4. No annual fee credit cards. So, you are free to compare and apply online. |
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User Name:
justin libengood |
Date:
February 7, 2008, 12:54 am |
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how do i get a credit card if i have no credit |
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Answer:
Thank you for addressing your requests to our service. When you are a beginner, the nest way for you is a secured credit card. This is the most efficient method of establishing your credit history. Please keep in mind that you have to deposit a definite amount of money to secure your credit. In case you fail with paying off your bills on time an adequate sum will be taken to cover your debt. Nevertheless, there will be no problems with getting approved, since these cards have guaranteed approval. To get more detailed information on them please explore our secured credit card applications. |
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User Name:
Roger Carrier |
Date:
February 9, 2008, 11:11 am |
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I want to apply for a credit card today and get instant use without waiting 2 weeks for the card to arrive in the mail?
Tibbets: I have excellent credit. What to I do and where do I apply? Thanks Roger |
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Answer:
Thank you for your question. In case your credit score is excellent, you are free to apply for an instant approval credit card. Please explore our instant approval credit card applications. But be aware. Instant approval does not imply that, as soon as you get approved, you are free to start making, for instance, purchases. This only means that as soon as a bank recieves your application, they will report their decision to you in several minutes via email. After that, if the application is approved, you will have to wait until your credit card is sent to you. |
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User Name:
Subrina |
Date:
February 10, 2008, 9:48 pm |
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Will I be required to send in a deposit if I have bad credit? |
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Answer:
Thank you for your question. Actually, it would be much better for you to deposit your money. There are really serious reasons. The thing is that in case you try to apply for an unsecured credit card, there is no 100% guarantee that your application will be approved. And if it is not, your credit score will be damaged. As of secured credit cards, these have guaranteed approval. Moreover, they will help you to improve your credit faster and more effectively. Of course, you can try applying for an unsecured credit card, but you are warned. Please explore our bad/no credit card applications and secured credit card applications. |
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User Name:
ringney h mena |
Date:
February 11, 2008, 9:24 am |
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the score 619 is bad or good credict |
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Answer:
Thank you for your question. Having FICO score of 0-619 implies your credit is bad (or you have no credit at all). After that comes fair credit. When your credit is bad, you can choose one of two following methods. First, we offer bad credit card applications. These are just standard credit cards for bad credit. Second, we also suggest you secured credit cards. In this case you will have to deposit a certain sum of money (which will actually be equal to your credit limit). In case of your failure with paying off the bills, this money will be used to cover your debts. To compare these offers please examine our bad credit card applications and secured credit card applications. |
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6 Minimum $200 deposit required. Your credit limit will be equal to the amount of your deposit.
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