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How to Get Credit Cards for Bad Credit from Capital One
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Public Savings Bank Secured Black Card
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• 0% APR for 6 months on purchases.
• No Annual Fee.
• We report to all 3 credit bureaus.
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Displaying 500 to 510 (of 1947 questions) |
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User Name:
katrina caruthers |
Date:
January 22, 2007, 3:31 pm |
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What do you look for on the credit report and what do the credit score have to be? |
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Answer:
A credit report is a summary of your credit-related activity since you first applied for a credit card or a loan. In credit report they usually reflect how many credit cards and loans you had, what where the credit amounts, credit terms and how you used to pay off your balances. According to a special scheme of calculation, credit bureaus (institutions dealing with credit history collections) add to your credit score points, the sum of which refers your credit rating to bad, good, excellent etc. Here are numerical representation of different types of a credit history: Excellent Credit - 750-850 Good Credit - 660-749 Fair Credit - 620-659 Poor Credit - 350-619 No Credit - 0-0 Of course, everyone wants to have good credit to be able to apply for the best credit cards, so you have to build your credit history until it is excellent. To learn how to build good credit, you can read articles at our site. |
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User Name:
NICHOLAS CORDOVA |
Date:
January 24, 2007, 3:40 pm |
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I APPLIED HERE ONLINE A COUPLE MONTHS AGO BUT STILL HAVE NOT GOT ANY REPLIES OR UPDATES. PLEASE LET ME KNOW WHATS GOING ON OR THE STATUS OF MY APPLICATION. THANK YOU |
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Answer:
When you click the link 'Apply' by the credit card you want to apply for, you are automatically redirected to the application page at the official site of the bank. You fill out the application form and after submitting, it is sent to the bank for considering. If the information you indicated is correct and you are eligible for the credit card, which is usually followed by approval, you are supposed to receive an approval letter during the period indicated in the terms & conditions of the card.
If you seem to wait for too long, you can do nothing but contact the bank and ask them about your status, as our site has no right to give you approvals or consider your credit history, having no access to your personal information. |
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User Name:
Barbara Budynkiewicz |
Date:
January 26, 2007, 9:42 pm |
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why is the original amount of funds so low...the fees are so high which leaves nothing. |
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Answer:
When you take a credit in a bank, the bank can't give you money if they don't trust you. If you have no credit, you have to make a collateral deposit in the bank. Thus you secure the credit (get a secured credit card), and after you pay it off, your credit history improves, you show yourself as a responsible person and the bank can entrust to you a larger sum of credit. High fees are also a way the bank tries to secure the risks.
After you achieve good credit score, you seem more responsible to the creditors, so you can take larger sums of money, paying less in fees and percentage. So, you should just wait a little, paying your cards accurately, and in e year or two you will see how higher will become your credit limits. |
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User Name:
deb |
Date:
January 27, 2007, 6:14 pm |
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when reading the basics of the discovery american flag card it says it is "unsecured". What does that mean? Thanks |
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Answer:
Generally, there are two types of credit cards - secured and unsecured ones. Secured credit cards require a deposit to be installed in the bank issuer of the credit card. This deposit determines the credit line you will be given and secures your credit, that is it will be taken by the bank in case you fail to pay off the balance. If you are accurate in your payments, no one will touch this deposit.
Unsecured credit cards, as opposed to secured ones, require no deposit, so the bank trusts you enough to give you money and just charge fees and APRs for the credit. Discovery American Flag is the latter type of a credit card. |
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User Name:
Imelda |
Date:
January 30, 2007, 5:22 pm |
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I have too many cards that I don't use. Should I close some of the account? will this help my credit score. |
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Answer:
If you have a lot of credit cards and they are all paid off timely and in full, it positively influences your credit history. In case you decide to close some of the accounts due to fees you have to pay or some other reasons (maybe you want to apply for other credit cards instead), your credit score will be lowered with every credit card you cancel.
If you have improved your credit since you get some of these credit cards, you can try to ask the bank to lower the rates or increase the credit limit, so you will be able to use these credit cards further. To avoid damage to your credit score, you are recommended to wait until the card term expires. |
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User Name:
Diane Cooper |
Date:
January 31, 2007, 4:30 am |
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I currently have a Capital One Visa card at 5.9%. This is an old loan I'm paying off and I don't want to charge anything else on this card. Is it possible to get another separate card through you at your current 7.9% rate to use for purchases and to transfer a balance from another visa card from a different bank? You have the best rates I can find and I've been completely happy with your service. I just want to keep that other balance separate from anything new. Thank you. Diane Cooper |
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Answer:
Everything depends on your credit history and the credit card you want to receive. Capital One bank offers credit card applications for bad credit implying balance transfers, but APR for balance transfers in this case will be up to 20 percent. Good credit cards have much better terms, however. If you know your credit score, you are free to choose a credit card according to it and your needs. I do not quite understand what credit card of what bank you want, but Capital One has such credit cards. If you are not going to use the present credit card now, you better don't close the account, as it will damage your credit and the card can be of use to you maybe later. |
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User Name:
debra m cram |
Date:
January 31, 2007, 4:31 am |
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i applied for a commerce credit card and i was approved, the only problem is now i have lost it, (actually i think i put it through my shredder by accident) i need to re-place it with a new one by don\'t know how to reach them |
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Answer:
It can't be so that you can't contact the bank which card you are holding. Usually, phone numbers are written on the back side of the card and in the statements you receive before or together with the credit card by mail. If you can't find anything, go to the official site of the bank, or ind your credit card at our site, click the link 'Apply' and you will be redirected to one of the pages of the official site of the bank, where you will be able to find contact information.
Mind it, you should do it as soon as possible, as someone can find your card and use it. It is possible that you will be charged by the bank for losing the card, but they will give you another one, with a different number (the number of your account will also be changed). |
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User Name:
jan king |
Date:
January 31, 2007, 4:37 am |
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I wish to have all credit card solicitations that you represent stopped being sent either thru the postal service or e-mail. what can you do to help me. |
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Answer:
Our site works to provide visitors with detailed and constantly updating information on the best credit card offers from the banks of the USA, Canada, UK, Belgium. WE also help those who want to apply for a credit card to make difference among credit cards, to build good credit and to choose the right credit cards for their needs.
We have NO access to the customers' personal information and have nothing to do with sending credit card offers to the customers. If you received a letter with a credit card offer, that means the bank has your credit information and would like to have you as their customer. As you have understood, we can't stop the masses of credit card offers come to your mailbox, but we can advise you to turn to credit bureaus and ask them to freeze your credit report (ask for details) thus preventing banks from making inquiries on your credit. |
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User Name:
Luke |
Date:
February 1, 2007, 4:20 pm |
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I have a credit score around 630. I have roughly 19k in credit card debit. I am am trying to find me a credit card with a high credit limit so I can cosolidate all of the debt and make one monthly payment. I am currently paying about $700 a month in minimum payments. I havent had any luck find a card that will give me a high enough credit line to do this, |
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Answer:
Credit card consolidation allows you to save money. Its aim is to speed up paying time and at the same time makes lower monthly bills. So it's a good solution for you. The first step towards getting rid of a credit card debt is to look for an appropriate debt consolidation program. You can select a debt consolidation company from the many debt consolidation firms advertising themselves online. You should know that bad debt consolidation loans may be of 2 kinds: if you take out secured consolidation loans you have to submit some kind of collateral for the loan. This is the reason the interest rates for it are low. It is good for people with a poor credit history. For unsecured consolidation loans, you needn't name any collateral, but it also means that you need to pay higher interest. As for your credit limit it is determined by your credit risk which is a main factor when applying for credit.
Your credit score means that you have fair credit so you can devote your attention to credit cards with balance transfers for fair credit. We don't provide balance transfers for secured and unsecured credit card applications for bad credit. However, at the site you'll find an instant online credit card approval for bad credit. Applying for fair credit cards online you should read all terms and conditions very attentively and choose the card that is suitable for you. |
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User Name:
Nadim Ahmed |
Date:
February 1, 2007, 8:38 pm |
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if you dont have any credit, would getting a credit card and only spending $20 each month and paying that off on time help you gain a sufficient amount of credit?
If you did do this would a bank still be hesitent to give you a loan?
I have three credit cards and a good credit rating in Canada. Now I am retired and spend a good part of the year in Florida. I have little or no credit history in the US. How do I qualify for a US credit card and establish a US credit record. |
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Answer:
In your case your only option is one of bad/no credit card applications. They are designed for people who have little or damaged credit, or have no credit at all. Such type of credit cards implies high charges and low credit limit, as the risks of the bank are high. Some credit cards of this type imply set up fees that are charged for setting up the account. But you should keep in mind that you must not pay anything until you are approved for a credit card, as banks that take money from the customers and refuse after that, are illegal.
Pay your credit card on time and in full and in some time you will be given a higher credit limit and probably your APR and charges will be lowered at your request. |
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