Capital One Credit Card for Limited Credit History

Before you close your credit accounts and apply for a new card, check your credit history. Since your old cards have high APR you probably should not use them. It would be ok if you keep your oldest credit card account and close the other one. You should definitely look for a card with low APR.

Select the deal according to your credit history. For consumers with average credit we recommend Capital One cards such as Platinum-Visa, Standard Platinum or Platinum cards. These deals have reasonable ongoing APR and 0% APR on purchases till December, 2008. Keep in mind that to be eligible for these cards you need to have fair credit - not less than 620 FICO points.

A good credit rating implies a FICO score range from 660 to 749. A person has a good credit rating if he/she complies with the following: a payment history should be no less than 5 years; the total credit limit should be no less that $10,000; there are no late payments and bankruptcy record in the credit report. An applicant meeting all these requirements would qualify for such a great credit card as Blue from American Express, a no annual fee, lowest APR card with point rewards.

620-659 stands for fair, or limited, credit. Usually, it indicates an early middle stage in a credit building process and implies the absence of any recently made late payments in the applicant's name. A good variant for fair credit history would be Capital One Standard Platinum card which offers competitive rates and fees, as well as exclusive saving opportunities.

If the FICO score ranges between 350 and 619, it means a person has bad credit, which always indicates to bad payment habits, non-payments and constant overspending. Such records only allow qualifying for bad credit offers, such as those from First PREMIER Bank. Its Centennial Gold MasterCard®/Visa is designed to help rebuild or reestablish bad credit on rather favorable terms.

If you are shopping for a credit card, consider the offers we suggest as they are best deals for each of the credit rating categories.

First, you need to establish your personal credit history and only then will you be able to get a card for your business. There are quite a few options that could help you make a start of your personal credit file.

Since you own a business, there should be some payment records in your name and a valid credit score at one of the bureaus. If so, you can try applying for Capital One Standard Platinum which is an average, or limited, credit card. The qualifying requirements are: you've had a credit card or a loan for less than 3 years or you have never had any; you're a young adult working for living with a stable job income; you have no bad payments with any current or previous financial companies.

Or you can choose to apply for Capital One Classic Platinum which has the same requirements. Both the cards offer you platinum benefits and competitive APRs on purchases.

If you do not meet at least one of these requirements, you have more chances to be approved for a secured credit card. Secured Visa® Credit Card of Applied Bank will help you establish credit and build it up in no time if you make payments on time and do not overspend.

Good personal credit history is a requirement with most business card offers. So, find out which of the cards you qualify for and apply online to start building payment records.

FICO scores ranging between 620 and 659 indicate to an average (fair, or limited) credit rating and imply an early or middle stage of a credit history building process. A person with an average credit history may have or has had a US loan or a credit card. The credit limit on the card or loan is less than $5,000. The person may have been late on a credit card or medical bill during the last 6 months.

There are some reasonable credit card offers for this level of payment history, which are mostly available with Capital One Bank. Capital One Standard Platinum allows you to save on purchases with 0% intro APRs and no annual fee. Standard Platinum benefits apply with this offer.

Capital One Platinum Visa offers some of the lowest purchase APRs valid for the life of balance and a moderate annual fee.

Great rewards are available on Capital One No Hassle CashSM Rewards credit card with no limits on cash back earnings and no expiration dates.

Searching for a plastic for average credit history? Choose from the offers suggested as they are the best deals for this credit level category.

There's a wide choice of attractive credit cards that can be used to pay for college expenses. Their limits are not as great as to pay for the 5-year course, but are high enough to finance your everyday needs, like books, cloths and entertainment.

We've featured some of the most desired cards among college students. No Hassle CashSM Rewards for Young Adults from Capital One offers up to $3,000 limit of credit line, low interest rate on purchases and cash back rewards. Capital One Standard Platinum for Young Adults is a no annual fee credit card with a reasonable credit line and online account services.

If you're looking for a really flexible rewards card for college expenses, then pay attention to Citi® mtvUTM Platinum Select® Visa® Card for College Students. Along with a low purchase APR and no annual fee, it offers lavish point rewards redeemable for a wide range of merchandise.

As to American Express products, most of them are high-limit cards for good/excellent credit customers with a long payment history and high income.

If you're searching a flexible payment tool for college expenses, consider the cards we offer and apply for a most suitable one online.

The request that you denote - a card for no credit and quite a substantial credit limit - can be satisfied by Capital One credit cards for limited payment history. However, to qualify for such cards, you need to comply with certain requirements, which are as follows: you've had a credit card or have never had one; you are a student or a young adult working for a living, you have a valid credit score at one of the national credit bureaus; you have a permanent address and a stable job income; you have never paid late or missed a payment with any financial companies.

If all these statements are about you, consider applying for the following cards:

Capital One Standard Platinum is a no annual fee card with 0% intro APR on purchases until December, 2008. It can offer you up to $3,000 of limit based on your income. Capital One Classic Platinum has a moderate annual fee and competitive purchase APR after the 0% APR intro period. The same limit applies with this offer. Platinum - Visa has a lowest purchase APR, which would enable you to save on the ticket. Based on the size of your income, this credit card can also give up to $3,000 of limit.

Of course, you can close the card but not until you pay it back in full. Check if you comply with Capital One requirements and apply for a card online.

The best credit card products, those with lowest APRs, no annual fees and lavish rewards, are traditionally available to good and excellent credit customers. If your FICO score ranges between 660 and 850 you can choose between some of the most profitable card offers. Blue from American Express is a high limit card with a very low APR on purchases and balance transfers and point rewards.

You're to have a long-term credit history (at least 5 years), no late payments with any current or previous issuers and a high job income to qualify.

More Card from Discover Card company offers 0% intro APR on purchases and balance transfers and a lavish cash back program. It is also a high-limit credit card but the actual credit line will depend on your income.

Make sure your credit rating complies with the requirements of these credit cards before you apply online.

A decent credit may also be offered by average credit cards from Capital One Bank. Its Standard Platinum card with a limit of up to $3,000 is designed for people who are building up their credit history. If you have no late or missed payments in your file, if you have a valid credit score at one of the bureaus and a stable income, consider applying for this card offer.

Check your credit report to see which of these offers you might qualify for and apply online.

$53,000.00 is too high a balance, which means you need to look for a high limit credit card to consolidate your debt onto. To qualify for high limit balance transfer (b/t) credit cards, you are to have a long-term good-to-excellent payment history, high job income and good debt-to-income ratio. If you comply with these requirements, you can choose from among the 3 top b/t cards suggested below.

More Card - Clear from Discover Company is created for very good credit and can offer up to $50,000 limit. Its 0% intro APR on b/t for 12 months well help you pay off debt without any interest at all. Pay on time and as much as possible to pay off your balance.

Another high-limit card with a b/t option is Blue from American Express. It has a low b/t APR for the life of balance, which helps you save on payments. You are to have a splendid payment history with not a single late payment to qualify for the card.

Chase Platinum Visa® is a good choice to make a b/t. It can offer you flexible balance transfer terms based on how good your credit is.

Remember, you cannot transfer more than the limit on the b/t credit card. So, probably you will have to move only a part of it.

Your approval for any of the cards will depend on lots of factors. But you have more chances if there are no bad payments in your credit report and your job income is larger than the total credit you currently have.