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Good Credit Rating for Capital One Platinum Visa
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Displaying 1870 to 1880 (of 1947 questions) |
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User Name:
Mikel Malave |
Date:
October 31, 2008, 3:14 am |
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I have a credit score of 550 because of the only credit card ive ever had when i was 19 and therefore its like impossible to get approved by any other one. My question is if theres a credit card with no type of fees because i noticed that they all charge an activation fee and i dont want to pey to get a credit card, and their apr's way too high. wHAT DO YOU RECOMend?? |
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Answer:
As your credit is too young yet, you can only be approved for special card offers for limited credit history. There are some credit cards that charge really attractive APRs but they are not without fees. As your credit score is low, fees are inevitable. No fee cards are only the privilege of good/excellent credit customers with long payment records. The following credit cards are some of the cheapest for limited credit applicants. Capital One Platinum - Visa offers 0% intro APR on purchases until May, 2009 and 8.9% APR after that. There is a moderate annual fee but no set-up fee. You'll be able to save up to 40% on featured deals when using the card at the Capital One Saving Zone on Yahoo! Shopping. Smaller annual fees are available on No Hassle PointsSM Rewards card from Capital One. Though it charges a higher ongoing APR, the 0% intro rate on purchases is also available. Besides, there is a generous point rewards program with no limits and expiration dates. If you do not want any annual fees at all, take a look at Capital One Standard Platinum . There is no set-up fee either, but the APR is as high as 19.8%. However, the 0% intro APR is preserved on this offer. These cards help you build credit at a relatively low cost. Apply today! |
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User Name:
Carol Jacobs |
Date:
November 2, 2008, 12:38 pm |
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I recently paid off my Capital One account and the account is now closed. I would like a credit card for trips and emergencies. Can I apply for another card and how much will that affect my credit card score..I am now a 748 |
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Answer:
Applying for a new credit card will bring your score just a few points down because of the hard inquiry. But if there haven't been any other applications recently, it won't hurt your credit. As your credit rating is good, we can offer you a range of attractive card offers available online.Blue Sky from American Express is a no annual fee, miles rewards credit card for excellent/good credit history. You'll earn 1 point for every dollar you spend. Redeem the points at any airline, hotel or cruise. Miles by Discover®Card offers no annual fee, 0% intro rates on purchases and balance transfers and generous miles rewards. Discover More® Card is a cash back rewards plastic with 0 APR on purchases and no annual fees. Choose a credit card appealing to you most and apply for it online. |
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User Name:
tina higgins |
Date:
November 3, 2008, 6:22 pm |
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i have recently built my credit, and now have a fair report. I have been approved for a wal mart credit card, but am not sure if i should cancel it the apr is 19.87%. That is pretty high. I have a capital one, can you have more than one capital one card? |
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Answer:
Yes, you can have more than 1 credit card from Capital One if your total available credit and income allow you to. Check if your total credit is not approaching your income, preferably it should be less than 30% of your income. Also, make sure that you have a favorable debt-to-credit ratio. Of course, to be approved you need to have no bad payments with Capital One and other issuers. Consider the following deals:Capital One Standard Platinum is a no annual fee card without any interest charges on purchases until May 2009. Capital One Platinum - Visa is a low interest rate credit card with reasonable annual fee and low credit limit. 0% APR on purchases and 40% savings program allow for beneficial shopping either online or at a local store. If you're looking for rewards, apply for No Hassle PointsSM Rewards, a 0% intro APR card with low annual fees and competitive ongoing APR on purchases. Make sure there is no outstanding balance on your high interest wal mart credit card and cancel it before you apply. |
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User Name:
c |
Date:
November 6, 2008, 4:47 pm |
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according to free credit report.com i actually have a score of 731 but im only 20 and never ownd a card and only had a car payment for like 5 months. so i tried applying for a good credit or excellent credit card but i wasent approved for either so whats going on. if i do have good credit why wont it let me get one |
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Answer:
There are three major credit reporting agencies and each of them might have slightly different information about you. So we advise you check with all three to make sure you really have that good credit score. If not, you evidently have some valid score due to the car loan and this score may help you qualify for some of the credit offers intended for limited credit rating. These credit cards are no less attractive than good or excellent credit offers, except only they offer smaller credit limits. But you'll be offered to extend the line as you build up better credit. We suggest you choose one of the following:Capital One Standard Platinum is a no annual fee plastic designed for young adults with a valid score and stable income. It offers 0% APR on purchases and a bunch of platinum benefits. If you would like rewards, consider Capital One No Hassle PointsSM Rewards. The card comes with an annual fee but offers competitive APR on purchases and generous points rewards (1 point per dollar). Capital One No Hassle CashSM Rewards offers the same rates and fees but allows you to gain from everyday purchases through a 5% cash back rewards program. There's plenty to choose from with existing credit score such as yours. Apply online! |
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User Name:
Mary |
Date:
November 7, 2008, 6:01 pm |
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I have over $20,000.00 in credit card debt but I\'m paying on my second mortgage as well. I am a teacher and our salary has been frozen for 5 years. What can I do???????? |
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Answer:
Our website has a great collection of balance transfer cards with favorable terms and lowest APRs. Your good credit score allows you to qualify for 0% intro APR balance transfer cards. Compare the cards online and choose the one that fits you best. Make sure that you qualify for a limit higher than the amount of balances transferred. In fact, you can choose a card with 0% intro APR for 6 or 12 months or a low fixed APR for the life of the balance. Check the issuer's requirements to see if you comply and apply for a balance transfer card online. |
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User Name:
mary low |
Date:
November 7, 2008, 8:37 pm |
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what credit card companys only use transunion for credit approval |
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Answer:
We have a range fast response credit cards which allow you to know your application status - approved or declined - instantly online. If the application process does not require a greater scrutiny, meaning that you fully comply with the card's requirements and there are no any inaccuracies or suspicious records in your credit file, you can get the bank's response instantly online. Fast response does not meant approval, just as it does not mean that you get the card right away if you're accepted. Generally, it will take up to 7 business days to receive the card. The advantage of faster response cards is that you get the plastic sooner than through a regular application. Apply online and get instant response if you qualify. |
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User Name:
m abbott |
Date:
November 8, 2008, 5:00 pm |
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I have 6 balance i would like to have one bill which will be the best card to get so I can transfer my blances? |
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Answer:
Best balance transfer credit cards are available to good and excellent score applicants. A balance transfer option is also found on cards for average credit but the maximum transferable is limited to $3000. So, check your credit rating to see which of these credit cards you qualify for.More® Card - Clear from Discover Company comes with 0% intro APR on balance transfer for 12 months and 3% transfer fee. No annual fee and 0% intro rate on purchases apply. This card is designed for good/excellent credit only. Capital One Platinum offers 0% rate on balance transfers until October, 2009 and no annual fee. There is 3% transfer fee, however. If you do not qualify for these credit cards because of low score, try Capital One Platinum - Visa . It doesn't have the introductory period but its balance transfer rate is very low. See if your debt is less than $3000, because this card's limit is not larger than this. Choose a most suitable deal for balance transfers and apply online. |
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User Name:
susan Naylor |
Date:
November 9, 2008, 2:30 am |
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I travel to asia quite a bi, from the USA.. Do you have a suggestion for a credit card that does not
have such steep international fees.
Thank you
Susan |
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Answer:
There are two major US card issuers that still do not charge foreign exchange fees. They are Capital One and Discover. While Discover cards are basically meant for good and excellent credit customers, Capital One gives you a better choice. So, depending on your credit history, apply for one of the following cards:Discover More® Card is offered to high score applicants with solid credit history and high job income. There is 0% intro interest rate on purchases and balance transfers and lucrative cash back rewards program. The card has no foreign exchange fees. Capital One offers cards for good/excellent and average credit. If your score is good or excellent, consider Capital One Platinum card. There is low rate on purchases and no foreign exchange fees. In case you have average credit, or low credit score, apply for Capital One Platinum - Visa. It is a low APR credit card with a moderate annual fee and no foreign exchange fees. Choose a credit card best fitting your credit history and financial standing. Apply online now. |
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User Name:
David Neumann |
Date:
November 9, 2008, 1:20 pm |
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I have excellent credit by I am about maxxed out on some credit cards. I have one particular credit card that is maxxed out at about 13500.00 at an interest rate of 28.99%. I tried to do a balnce transfer to Discover and they only let me do 1100.00. Any secrets on how to get it all transferred. |
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Answer:
There are lots of other balance transfer offers that may give you a high credit limit besides Discover Card. If you really have excellent credit score and you haven't had bad payments in the last 5 years, you may try the following cards:Capital One Platinum Prestige is for excellent credit rating only. It offers 0% on balance transfers until October, 2009 and a lowest rate after that. There's a substantial credit line for creditworthy, high income customers. Capital One Platinum is a 0% APR balance transfer credit card with a high limit and good credit requirement. There is no annual fee and there's a low ongoing interest rate on purchases. Blue from American Express®has insignificant intro APR on balance transfers and 0% intro APR on purchases. It may approve you for a $100 000 limit if you qualify. Review these balance transfer credit cards and apply for a most appropriate offer. Remember that if your income is low or your income-to-credit ratio is high, you may not be approved for a card. |
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User Name:
Julio |
Date:
November 10, 2008, 2:33 pm |
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Can I still apply with poor credit? |
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Answer:
If your credit is poor due to just a few late payments in the past, then some of Capital One credit cards may be of great use for you. They are best for those who had bad credit in the past but have improved your scores since then to over 600 points. While they are referred to as easiest to get with poor credit, there is no assurance that you'll be approved. But you'll not know if you do not try.Capital One No Hassle PointsSM Rewards is ideal for those whose credit has been steadily improving. It has a low annual fee and competitive APR on purchases. Besides, you'll earn up to 5 point per dollar spent on major categories. Capital One No Hassle CashSM Rewards has the same annual fee charges and interest rates and offers you a generous cash back bonus on purchases made with it. If you doubt your eligibility for a rewards credit card, then consider Capital One Platinum - Visa. It has bigger annual fee but it preserves 0% intro APR on purchases and savings opportunity on featured deals. Try one of these credit cards and start improving your credit further. |
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