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Immediate credit card care service
Answering your questions is our job and we love it! |
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Probably the answer to your question is already in our databank.
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Note: Please do not include any private financial information such as your SSN#, credit or debit account numbers when you submit a question.
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Displaying 520 to 530 (of 1712 questions) |
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User Name:
Dave Bradley |
Date:
February 3, 2007, 3:42 am |
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What credit card comapny uses transunion for credit worthiness?
Transunion scores are low 600 maybe around 612 who should i apply for? |
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Answer:
First, it’s necessary to stress the importance of keeping your credit reports equal, as it’s impossible to know for sure, what credit bureau's report the bank uses. But usually the banks or companies look at the report with the lowest credit score. That’s why you should keep all your credit reports identical, and correct them, if necessary. They should coincide, so you won’t have to worry about them. If they don’t, it’s highly probable, that you may receive a denial when apply for the card to your needs. Thus we recommend you to call all credit bureaus and put your credit reports in order, removing the wrong items and adding the missing information.
With a credit score of 350-619 you can apply for cards for bad credit. If your credit rating is 620-659, then fair credit cards are available for you. |
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User Name:
Linda Wyman |
Date:
February 3, 2007, 9:02 pm |
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I would like to know which credit card companies you can transfer balances without a transaction fee. Also, which cards have FREE check writing services. Out of these cards, I would like to know which one's offer cash back.
Thank you |
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Answer:
If you apply online you can find the list of popular credit cards that are currently offering 0% balance transfers. Among them are Discover Platinum cards, Citibank cards, American Express, etc. So, it's always up to you to keep your credit good and to make use of such credit cards as 0 balance transfer credit cards. It is also better for you to apply for cash back credit cards. On the site you can find cash back applications for credit cards among other applications. Consider which card rewards program are suitable for you and look through terms and conditions of the card. |
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User Name:
Linds Lane |
Date:
February 3, 2007, 11:01 pm |
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How can I obtain a \'new balance transfer credit card\' strictly contingent upon/subject to a balance transfer from my present credit card?
ie since I would be \'maxed-out\' in respect to new company\'s credit limit, with my present balance of 18K on my BofA Visa; can I, say obtain a 20k balance transfer credit card[credit limit] subject only to making the transfer of the 18K balance?
Thank you for any input.
Linds |
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Answer:
As far as we concerned cards from Bank of America do offer balance transfer. As it appears from your inquiry your purpose is to transfer your balance from your existing credit card from Bank of America to another card with extended credit limit. There are some ways you can choose. First of all, you can contact your current credit card issuer and ask about credit limit increasing possibility. Usually banks do their best to keep you as a customer, therefore they may agree to extend your credit. Still, if you've decided to switch to another credit card, compare other balancce transfer cards and choose one with the credit limit you want. |
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User Name:
Suzie Tomlinson |
Date:
February 4, 2007, 5:42 am |
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Can I get a Visa credit card if I do not have a checking account |
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Answer:
Actually most Visa credit card offers are unsecured credit cards that don’t require savings or checking account to be established beforehand. But before you apply for a credit card online, it’s necessary to check your credit report to find out what credit cards you can afford. With no credit history you can apply for no credit cards. If your credit history is bad, then cards for bad credit are created for you. Having fair credit rating you can count on cards for fair credit. And if you are lucky to have good or excellent credit you are welcome to evaluate the assortment of Bank of America offering a wide choice of Visa cards for good and excellent credit. Among credit card applications for different types of credit history you are sure to find Visa credit cards, fitting your needs. But mind, first it’s necessary to read terms and conditions carefully to know exactly what cards you are eligible for. Compare Visa credit cards and their options to choose the best one for you. |
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User Name:
felicia mortier |
Date:
February 4, 2007, 7:04 am |
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had purse stolen with crdit card and all my i.d. inside and need phone number so i can cancel card
had purse stolen and my credit card and i.d. was in it so i need phone number to cancel card |
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Answer:
You see, our site’s business is to collect descriptions of current credit cards of the leading banks and helps the customers to make their choice and file the appropriate credit card application. But we are not provided by any contact information of the banks presented at our site. Besides, we have no access to your checking or credit accounts and your personal information. So the only thing you can do is to find the bank's official site in the Internet and see the number there, or there is probably online customer service. You can also click the link by any credit card by your bank presented at our site, to be redirected to the official site of this bank. |
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User Name:
Lee Owen |
Date:
February 4, 2007, 6:52 pm |
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In May of 2005 I had to file Chapter 7. As of two week ago my FICO score with Experian was 688 and 686 with Eqifax. All three scores should improve when the disputes I filed are cleaned up. I need a credit card to help improve my scores but I don't want to make a lot of inquiries for all the obvious reasons. Which card/institution would you suggest?
Thanks,
Lee |
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Answer:
Actually a Chapter bankruptcy stays on your credit report for 10 years from the date the BK is discharged. Chapter 7 bankruptcy is a liquidation proceeding. The goal of most Chapter 7 bankruptcies is to discharge your existing debts and allow you a "fresh start" on your finances. As it follows from your inquiry you've improved your credit score since your BK procedure. Your credit score is about 688, and it means you have good credit, which needs strengthening. Thus you can afford some of Capital One credit cards, for example, Capital One No Hassle Cash Rewards card credit or Capital One Platinum card for people, who have above average. Improve your credit. Improve your credit and apply for good-to-excellent credit cards soon! |
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User Name:
ROBERTFLA |
Date:
February 4, 2007, 8:30 pm |
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HOW I GET CREDIT OR MY CREDIT IS NO GOOD
i want to know what type of credit card can i recieve if my credit is not to great? |
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Answer:
Well, it’s impossible to give a definite answer as you haven’t mentioned your credit score. It’s necessary to turn to a credit bureau and ask for your credit report, if you haven’t done it yet. When you get a clear picture of your credit history, you’ll learn what credit cards you are eligible for. At our site you can find a good choice of credit card applications, some of which you’ll surely like.
With 350-619 credit score, which corresponds to a bad credit history, you can count on cards for bad credit. Suchlike cards may include various options. For example, Centennial Gold from First PREMIER Bank reports monthly to 4 Major credit agencies, offers low APR on purchases and possesses Gold Card Prestige. Besides, it doesn’t require checking account and provides 24 hour account access by phone.
If you have a fair credit rating (620-659), you can afford cards for fair credit from Capital One and First PREMIER Bank. Here you can take advantage of no limit on cash rewards, 0% balance transfer fee and other options. Look through terms and conditions to find the best card for you. |
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User Name:
annie |
Date:
February 5, 2007, 3:49 am |
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i just turn 18 and i want a credit card to build up my credits i have a job can i get a approve? |
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Answer:
If you don’t have credit yet, you should establish a savings or checking account that will serve as collateral for a secured credit card. Your credit line will be the same as the deposit you’ve made.
If your income is enough, you are free to apply for an unsecured credit card for no credit, but it’s characterized by rather impressive fees and rates that cover the bank’s risks of credit.
One more variant, which also proved to be reliable, is co-signer credit cards. A person with good credit applies for a card for good credit and waits for the approval. Then he signs you up as a co-borrower. So you get access to a good credit limit and get a chance to accumulate points to your credit score. But both of you will be responsible for paying the credit off.
Before you make your choice you are welcome to read our articles and get acquainted with the rules for starting your credit. |
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User Name:
Mattie J. Vacca |
Date:
February 5, 2007, 4:23 am |
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Hello there I live in New Zealand and I like to look different hence the reason for looking at your site. I am interested in applyig for one of the credit cards listed. Because they are different. however on the required fields "address / Social security number" We do not have. Is there anyway that people outside the USA can appling for one of these card. Thank you Look forward to your reply Winiata |
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Answer:
The matter is that at our site we collect credit card applications for the residents of the United States, United Kingdom, Canada and Belgium. Unfortunately, we don’t provide online credit card applications for all other individuals. So, only people who have citizenship of one of the above mentioned countries (even if they are at the moment away), can apply for a credit card online, filing one of our credit card applications.
I’m sure in your country there are banks or credit companies whose offers you can accept. First you should check your credit report to find out what cards you are eligible for according to your credit history. Determine your primary needs and the options of credit cards you wish to take advantage of. To get acquainted with the assortment of the bank in your country, use the search engine and find the appropriate site or contact your local bank by phone and ask for a credit card. |
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User Name:
Al Tan |
Date:
February 5, 2007, 4:24 am |
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Hi, I'm a Singaporean residing in Thailand, are there any ways i could get a credit card or at least a prepaid one. Thank for your time. Al
Do I need to be an American citizen
I AM LIVIG AND WORKING IN South Africa I would like to apply for a Credit Card I do have a local American Express Card issued to me in South Africa. How and which Cards can I apply for at CreditLand.com
We have many International Banks in South Africa
HOPE YOU WOULD ANSWER
BENITA KRAMER
i'm lee , from malaysia . how i apply the credit card , thanks . |
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Answer:
Our site presents credit card applications for foreign residents. At the moment we provide credit cards for Canadian residents, Belgians and United Kingdom citizens. THese credit cards that are issued by the banks of Canada, United Kingdom and Belgium and that can be ordered at our site by the residents of these countries. Other credit cards at our site are available for the citizens of the USA, so even if you are at the moment away from the US (or the above mentioned countries), but have the citizenship, you can apply for the credit card according to your credit conditions and the card will be delivered to your address in your country. |
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