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Immediate credit card care service
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Displaying 500 to 510 (of 1760 questions) |
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User Name:
jennifer |
Date:
January 21, 2007, 7:32 pm |
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are there any credit cards for bad credit that dont have any fees on them? |
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Answer:
If you look at credit cards for bad credit, you will see they have more fees and the fees are higher than those of good credit cards. The reason for high fees is that thus banks cover high risk of giving credits to customers with bad credit history. The better your credit is, the lower fees and APR your credit card can have.
You can find though a credit card with one or several fees lower than those with the other cards. There are also bad credit cards that do not provide some services (for example, balance transfers), so there are no fees for these services.
I hope you will find a proper bad credit card for you at our site.
Best,
Manager of Immediate Credit Card Care Service |
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User Name:
ashley southerland |
Date:
January 22, 2007, 5:52 am |
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for some reason i have no credit/bad credit and can't find any credit cards that will approve me if you could help with this that would be great |
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Answer:
Nowadays, credit cards for bad/no credit are among banks' marketing priorities, as more and more people want to build their credit history. That's why credit card companies create new credit cards for bad credit regularly, making it simpler and simpler to get a credit card and pay it off even if you have very poor credit. If you have no credit, you can apply for a secured credit card or ask somebody to be your co-signer. If you have some credit already, but it needs improvement, you can apply for bad credit card, choosing one from our listing.
A common mistake is applying for cards you are not eligible for, that's why it is of utter importance to obtain your credit report before you make an application, so that you can make the right choice.
Best,
Manager of Immediate Credit Card Care Service |
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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.
Best,
Manager of Immediate Credit Card Care Service |
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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.
Best,
Manager of Immediate Credit Card Care Service |
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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.
Best,
Manager of Immediate Credit Card Care Service |
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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.
Best,
Manager of Immediate Credit Card Care Service |
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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.
Best,
Manager of Immediate Credit Card Care Service |
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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.
Best,
Manager of Immediate Credit Card Care Service |
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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).
Best,
Manager of Immediate Credit Card Care Service |
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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.
Best,
Manager of Immediate Credit Card Care Service |
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