 |
Capital One Bank Credit Card for No Credit History
Answering your questions is our job and we love it! |
|
|
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.
|
|
|
|
|
Displaying 1670 to 1680 (of 1947 questions) |
|
 |
User Name:
gaurav |
Date:
June 23, 2008, 6:43 am |
 |
want to apply for a best credit card,like student card |
|
Answer:
There are many credit card offers for students so our experts have selected top 3 cards for this category.Discover® Student Card. This is a great card for student with fair credit history. It has no annual fee and 0% APR on purchases during the introductory period (6 months). It gives you 5% cash back in categories that change four times a year such as movies, travel, gas, restaurants and more. This is a great card to build strong credit history. There are several other student cards by Discover you can consider.Standard Platinum for Young Adults by Capital One. This is an good unsecured card issued especially for young people in college who are building credit. There are no annual or set up fees. It also has 0% APR introductory period. You have very good chances of being approved for this offer.Citi mtvU Platinum Select Visa Card for College Students. This student card for young people with limited credit does not require a set up fee or a maintenance fee. Ongoing APR can be as low as 12.99% but you will know your APR only after your approval The greatest advantage of this offer is that it has a rewards program for students. |
|
|
User Name:
Phyllis Danniballe |
Date:
June 23, 2008, 2:33 pm |
|
|
what credit cards does not charge a finance charge to use internationally? |
|
Answer:
Good question, thank you. As of today, all major credit card providers do charge a foreign exchange fee if you use your plastic abroad. This fee is included into the cost of the purchase and covers the foreign currency exchange in fact. However, you have a chance to avoid paying the foreign exchange finance charge with Capital One Bank, the only issuer that does not impose it. Capital One rewards credit cards are just perfect for traveling. If you are a good or excellent credit customer, we would advise you to apply for Capital One No Hassle MilesSM Rewards Visa card, the best variant for foreign travel. No foreign transaction fees and a superb miles rewards program. However, while this credit card allows you to save on foreign purchases, do avoid using it for cash advances there as it may cost you fortune. |
|
|
User Name:
fawna |
Date:
June 23, 2008, 6:16 pm |
|
|
how can i build credit without having any? |
|
Answer:
There are banks that offer cards for consumers with no history. However, before applying for one of the cards for no credit we recommend you to request your free credit report to see what kind of information (about your income, marital status, etc) credit bureaus have about you. You can do so at our Credit History Center at http://www.credit-land.com/ . Once you know that there are no errors in your credit report you are welcome to apply for one of the cards issued fo those with limited credit.Capital One® Standard Platinum. It is one of the most popular cards for consumers with no credit history. It has no maintenance fee and 0% APR on purchases till December, 2008. This card fives you Platinum Benefits such as travel accident insurance, extended warranties, etc.Orchard Bank Classic MasterCard. Even though you have no credit history you qualify for this card. Its ongoing APR is 14.9%. You will have 0% APR on purchases during first 6 months of using this card. The bank might charge you an annual fee depending on your credit score.Centennial Gold MasterCard Visa by First PREMIER Bank. This is a great card issued by First PREMIER for those with bad/no credit. Your application will be accepted no matter what kind of credit you have. |
|
| RELATED LINKS |
 |
|
|
User Name:
lloyd carpenter |
Date:
June 24, 2008, 12:53 am |
|
|
how do i get a card if i never had one? and were would i get one. |
|
Answer:
There are several banks that work with consumers with no credit history. But before submitting your application we advise you to check your credit report to make sure everything is in order. You can request your free credit report at http://www.credit-land.com/ at our credit history center. Once you know that your credit report is fine (even though you never had a credit card there is some information about you such as your income, etc) you should apply for one of the following credit cards.Capital One® Standard Platinum. It is the best card for consumers with no credit. It has no annual fee and zero APR on purchases till December, 2008. With this card you receive Platinum Benefits such as extended warranties, travel accident insurance, etc.Orchard Bank Classic MasterCard. Even though you have no credit you are eligible for this card. Ongoing APR is 14.9%. The introductory period with 0% APR on purchases is 6 months. The bank might charge you a maintenance fee depending on your credit background.Centennial Gold MasterCard Visa by First PREMIER Bank. This is the best card issued by First PREMIER for consumers with bad/no credit. Your application will be accepted regardless of your credit score. |
|
|
User Name:
jessika |
Date:
June 24, 2008, 4:31 am |
|
|
Why was i declined for a capital one card, if the card i applied for was one with no credit or a limted credit history. i have no crdit history and have never purchased anything to obtain credit. i recieved a letter from capital one saying the reason they denied was because i had missing or unavailable information on my credit report? what went wrong? and how can i be approved this time! what credit card is best for me to apply? |
|
Answer:
The first thing you need to do in your situation is contact the credit bureaus. You can start with requesting your free credit report at http://www.credit-land.com/. There could have been a human error that led to this unpleasant situation. As soon as your credit report is complete you should apply for the card. Here are the cards you are likely to be approved for.Although you have been rejected by Capital One you have good chances to be approved for Capital One Standard Platinum Card since your credit report will have been fixed. Current APR for this card is 19.55%. There is no annual fee. This card gives you exclusive saving of up to 40% on featured deals and 10% on everything else at the Capital One Saving Zone on Yahoo.If you would like to apply for a different bank consider Orchard Bank Classic MasterCard. This card has very reasonable APR - 14.9%. During the first six months you will have 0% APR on all purchases. Another option is Centennial Gold MasterCard/Visa by First PREMIER Bank. This card is for consumers with bad credit that is why all applications are accepted. You will know the decision within 60 seconds if you apply online. All your information will be reported to all 4 major credit card bureaus. The APR for purchases is 9.9%. |
|
|
User Name:
P A Grew |
Date:
June 25, 2008, 1:16 am |
|
|
If you have several credit cards, should you cancel cards with 0 balance? Will this affect my credit score? |
|
Answer:
Canceling a credit card does not necessarily have bad impact on your credit score. You should cancel credit cards with 0 balance if:
1. You have 5 credit cards or more. Having too many credit cards is bad for your credit report. It is a well known fact that better perks such as cash bonuses or 0% APR introductory periods come with new cards. If you have 5 credit cards already it might be hard for you to get a new one with better terms. 2. The credit card does not have significant credit limit. If you have several cards feel free to cancel the ones that have the smallest credit limit so it won't affect your debt to credit ratio.3. You are not likely to use this card again. If this card has high APR or does not give you the rewards you need why keep it? You will be able to get a better card.
Here are the cards that might work for you if you do not want to keep your available credit for better credit score.
American Express Blue from American Express®. This is our top choice for consumers with good credit history. It gives you a 0% intro period on purchases for 15 months. With this card you can earn 1 point for every dollar spent. The card has one of the lowest APRs. This offer is for good credit.
More Card Discover® Card. If you are looking for a great card with cash back rewards consider this card with 5% cash back bonus in categories like movies, travel and more. The card has 0% on balance transfer and purchases.
Platinum Capital One®. If you have average credit but need a card with low APR this card is the best one for you. It also gives 0% APR in purchases till December, 2008. |
|
|
User Name:
Michael Levine |
Date:
June 25, 2008, 11:15 am |
|
|
Is a credit score of 648 bad? My current secured credit card and car loan are my first real forms of credit. I've had them for 6 months. I tempted to possibly apply for a capital one card but I'm not sure if their strict with issuing credit |
|
Answer:
Yes, your credit is poor and now you are eligible for unsecured credit cards issued for those with not ideal credit. If you are interested in Capital One credit card offers, this bank issues cards for customers with limited to excellent credit. So you can find Capital One credit cards for your credit score and apply online without doubts. We can advise you Capital One Standard Platinum that offers 0% APR on purchases for up to 6 months, has no annual fee and rather low ongoing APR. Besides Capital One credit cards you can also consider cards from First PREMIER and Orchard for bad credit. We offer you to compare Centennial Gold MasterCard/Visa from First PREMIER and Orchard Bank Classic MasterCard. Both of them come with rather attractive features and offer you a good chance to aspire to better credit. Make your choice and apply! |
|
|
User Name:
marie mccole |
Date:
June 29, 2008, 1:01 pm |
|
|
i applied on-line for a balance transfer for 15,000. they said congratulations . actually they only did a balance
transfer for 6,500. that was no help to me because now i have two credit cards to pay. i called to cancel it
but they said it allready went through. can you help me. |
|
Answer:
Thank you for the question. Your credit limit is determined by the bank according to your credit report. Sometimes it is possible to call the bank and request a credit limit increase. However, you are not likely to get a credit limit increase from $6,500 to 15,000. As far as we can understand you had only one card and now you have two. One of them is a new card with 0% APR for balance transfer. The old one has high APR you do not want to pay. We recommend you to apply for another card with 0% APR for balance transfer to transfer the rest of the debt. You will have more cards but they will have 0% APR on balance transfer. It will be easier for you to pay off your debt. You can keep your old card or cancel it if you wish. You can have up to 5 credit cards without damaging your credit score. Here are the cards with the most favorable conditions for balance transfer. More Card-Clear by Discover. The card has you a year-long introductory period with 0% APR on balance transfer. Maximum balance transfer fee is $75. There is no annual fee for this card. You can enjoy a 6 months introductory period with 0% APR on all purchases. The card has very reasonable ongoing APR. More Card - Clear also gives you a cash back bonus on home, gas, travel, restaurants, movies and up to 1% on all other purchases. Citi CashReturns Card by CitiBank This card also offers 0% APR on balance transfers during the introductory period (up to 12 months). It has no annual fee. The only disadvantage of this card is that it does not have a maximum balance transfer fee. You will have to pay 3% of the amount transferred. The advantage of the offer is that it gives you 20% bonus on the cash back earned during the first year. Platinum Visa by Chase Bank This is a great card that has an intro period of up to 12 months with 0% APR on balance transfer as well as purchases. No annual fee comes with this offer. You will need to pay a 3% balance transfer fee, $75 maximum. Ongoing APR can be as low as 10.99%. This card has no rewards. So your top choice would be More Card-Clear by Discover. We recommend you to check your credit report before submitting the application to make sure there is no incorrect information. This is very important because all these cards are for god credit only. You can get a free credit report at our Credit History Center at http://www.credit-land.com/ . |
|
|
User Name:
RBank |
Date:
June 29, 2008, 6:54 pm |
|
|
I have applyed for a credir card before, but have been turned down because I am 18 and do not have a credit history. How can I get a credit card for college if no one will give me one because I do not have a credit history. I keep getting things in the mail to apply, but then get turned down. I will be ging to college in August and need a little help. Please let me know what to do. |
|
Answer:
There are several banks that issue credit cards for young people with limited credit history. Out top choice would be Standard Platinum for Young Adults by Capital One. This is an unsecured card designed especially for young people who are building credit. There are no maintenance or set up fees. The ongoing APR is currently 19.8%, however till December, 2008 you can enjoy 0% APR on purchases. You have good chances of being approved for this card.You can also consider Citi mtvU Platinum Select Visa Card for College Students. This is also a student card for young adults with limited credit. You do not need to pay a set up fee or a maintenance fee. Ongoing APR can be as low as 12.99% but the decision about your APR will be made by the bank according to your financial background. The biggest advantage of this card is that it has a special rewards programmed for students.Another option is Orchard Bank Classic MasterCard. People with no credit are eligible for this card. Its ongoing APR is 14.9%. The introductory period with 0% APR on purchases is 6 months. Ending on your credit history the bank may charge you a maintenance fee. We recommend you to apply for Standard Platinum for Young Adults by Capital One first to increase your chances of being approved. |
|
|
User Name:
lynn oberstein |
Date:
July 1, 2008, 5:30 am |
|
|
I want to have a 0% balance transfer with zero fees and get 25000 miles on American Airlines for the transfer |
|
Answer:
Though it is believed that a card with all kinds of horns and whistles is a good deal, it's not always that. When it comes to balance transfers and rewards, you'd better choose different cards for these purposes. So, if your goal is to pay down your balances with a low-rate card, a balance transfer card will be ideal. Unfortunately, all credit companies have pulled the cards with zero fees from the market. But you can still benefit from a balance transfer card that gives you a long interest-free period, like More Card - Clear by Discover. The great thing about this card is that it comes with no annual fee. Besides, this card has a capped balance transfer fee, so if you plan to transfer a heavy balance, it will save you a lot. In case you want to reduce your travel expenses, that's quite another story, and you should review best airmiles cards. With Citi Platinum Select/AAdvantage World MasterCard, you can earn 25,000 bonus miles after you spend $750 in purchases within 4 months. As easy as can be! With Citi PremierPass MasterCard, you can earn 10,000 bonus points if you spend $300 in purchases within 3 months. In addition to that, this card comes with no annual fee, and you can redeem points on any airline without any blackout dates. The choice is up to you! |
|
|
|
|
|
6 Minimum $200 deposit required. Your credit limit will be equal to the amount of your deposit.
|
|
|
 |
All content. Copyright © 1999-2009.
Credit-Land.com, Inc.
All rights reserved. |
|
|
|
