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Capital One® Classic Platinum Credit Card
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• 0% APR on all purchases until December 2010.
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• $0 Fraud Liability if your card is lost or stolen.
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Displaying 610 to 620 (of 1947 questions) |
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User Name:
TIM |
Date:
February 16, 2007, 7:58 pm |
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My wife and I have accumulated 18,000.00 of credit card debt and are wondering if we apply for credit card with a no-fee balance transfer fee would be a good idea? We have a good to excellent credit score. |
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Answer:
If you want to apply for one of balance transfer cards the idea to get one with no balance transfer fee is really wise. Since your credit is good-to-excellent you can count on getting the best cards for balance transfer procedures. Choose between intro 0% APR balance cards and low-fixed rate cards, such as Blue American Express card with 4.99% APR for life. Among balance transfer cards with intro 0% APR you can regard Discover Platinum credit card or some of CitiBank credit cards. Paying no balance transfer fee can save you much money, while the fee is determined by amount transferred. Compare cards stepwise and apply for one you like! |
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User Name:
william davis |
Date:
February 16, 2007, 10:48 pm |
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I have no credit card at all
i dont have credit at all. what credit cards can i choose to build credit with? |
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Answer:
Basically there are two variants of establishing credit history: with co-signer credit cards and secured credit cards. In the first variant you can ask a good credit person (it can be your friend or relative) to become your co-signer, while you will be signed up as a co-borrower of the credit card. You’ll have different credit cards with different numbers, but the credit account and credit limit will be one. Your co-signer guarantees, that your credit will be paid off in full and on time.
In the second variant, when you get a secured credit card, a guarantor of your payment is a bank deposit, which you make to cover the bank’s risks with the credit. The credit limit you obtain is equal to the amount of the deposit. If you pay off the debt in full and on time, you will increase your credit score and an unsecured credit card will be available to you. |
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User Name:
Phyllis Jeanneret |
Date:
February 17, 2007, 10:45 am |
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How can I find out if my payments are being received and credit to my account. |
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Answer:
The matter is that our site works to provide customers with the latest and sufficient information on the best credit cards and help to choose the credit card, fitting their needs and file the appropriate credit card application. We are not a bank and not a credit bureau and have no access to your bank account or personal information. So, it’s impossible for us to give you the information you want or apply to the banking institution instead of you. We can only advise you to contact your bank (you may do it by phone) and clear up the situation. |
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User Name:
John Erickson |
Date:
February 17, 2007, 7:34 pm |
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which credit card offers the best rewards for gas purchases and regular purchases-- |
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Answer:
Many of the Best Gas Reward Credit Cards offer cash back and rewards on gas purchases for using the card or daily purchases. If you shop at certain places and have a good credit history, find Cash Back Credit Cards where such cards are offered. Apply online to learn more about Gas Reward Credit Cards. Among them are Blue Cash from American Express, Gas Rewards Platinum Edition Visa Card, Discover Gas Card, Chase BP Visa Rewards Card, etc.These cards offer you a chance to earn money back or your fuel purchases. Every time you purchase fuel, a certain percentage of cash is returned to you. Some gas rewards credit cards operate on a point system.You earn points based on your fuel purchases. These points can be redeemed for dollars. Your cash is returned to you either through a check in the mail or as a credit to your card statement. If you pay off your credit card bills each month, you can reap the rewards. |
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User Name:
MILDRED |
Date:
February 17, 2007, 7:41 pm |
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How can i get a loan after a bankrupty? |
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Answer:
Actually 18-24 months after a bankruptcy discharge, bankruptcy debtors can qualify for a loan on the same terms as if they had not filed for bankruptcy. That means that the lender will be much more interested in your down payment, the stability of your income, and the relationship between the loan payments and your monthly income than your past financial troubles.
Before you start applying for a loan, check out your credit report and make sure all your accounts are in order. It is not uncommon after a bankruptcy to see open accounts that should be closed, which hurt your credit rating.
While looking at your credit report, consider adding a page explaining the situation that resulted in your bankruptcy. If there were extenuating circumstances, lenders may approve you for a better rate than under normal conditions.
You can search for more detailed information in the Internet, as at our site we present the up-to-date information about the best credit card applications and credit cards cards for comparison and we have nothing to do with loans. |
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User Name:
nikia desher |
Date:
February 17, 2007, 11:16 pm |
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nobody ever approves me, how can i build me credit back up with all the turndowns. never had a credit card before . I work all the time to get me bills paid. will somebody help me??? |
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Answer:
If you have no credit score, you shouldn't despair. It often happens that people apply for a credit card, for which they are not eligible. With no credit history you can't be approved for a bad credit card even. In your situation you can choose one of the three possible variants. You are free to apply for a secured credit card. It requires a bank deposit, which guarantees you will pay the credit off and also determines the amount available for you as credit. Unsecured credit card doesn`t require a beforehand deposit, but to afford this card your income should be enough, as the fees and charges of credit cards for no credit are rather high (it`s the only way bank can compensate the risks). You may also prefer such an option as a credit card with a co-signer. If your friend or relative with a good credit history agrees to become one, he or she will apply for a good credit card and when gets an approval, you can be signed as a co-borrower. In this case both of you are responsible for the credit being paid, but it's you who should pay it off. Before you make your choice you are welcome to read our articles to learn the rules for starting your credit. It's up to you to decide which variant is the most suitable for you. Pay your credit accurately and you'll build a strong credit history. |
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User Name:
Tomas |
Date:
February 18, 2007, 4:46 am |
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WHAT IS ACREDIT SCORE |
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Answer:
A credit score is a statistical summary of the information contained in a consumer's credit report. It represents an estimate of an individual's financial creditworthiness. Lenders, such as banks and credit card companies, use credit scores to determine credit limits and interest rates. FICO® scores (produced from software developed by Fair Isaac and Company) are the credit scores most lenders use to determine your credit risk. You have three FICO scores, one for each of the three credit bureaus: Experian, TransUnion and Equifax. Each score is based on information the credit bureau keeps on file about you. As this information changes, your credit scores tend to change as well. Your 3 FICO scores affect both how much and what loan terms (interest rate, etc.) lenders will offer you at any given time. Taking steps to improve your FICO scores can help you qualify for better rates from lenders. Credit score is the most significant factor when you are planning to get a credit or a loan. 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 a good credit score, you can read articles at our site. |
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User Name:
steve shreve |
Date:
February 18, 2007, 6:10 pm |
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is there a credit card I can be aproved for with my credit history |
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Answer:
It depends on the type of your credit history. Apply for credit report to a credit bureau, if you haven’t yet. When you are informed about the amount of your credit score, which corresponds to a certain credit history, you’ll be able to choose the credit card with preferable terms and available for your credit history. At our site you can find credit card deals for no credit, bad credit, fair credit history and cards far excellent credit customers. If you need to rebuild your credit, you can make your choice in favor of secured or unsecured credit cards or co-signer credit cards. Compare the options of credit cards for different types of credit history and file our secure and quick credit card application. |
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User Name:
Martin Kochan |
Date:
February 18, 2007, 8:45 pm |
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Is it possible to get a credit card (SECURED) without having a present job?
I do already have cash, and land, total worth in the many thousands.
I do already have two bank debit cards but that is all.
No bounced checks.
no repo's
no bad marks of any kind in over 20 yrs.
No late payments of any kind in over 25 yrs.
I need a card for poosible travel and online purchases, and for emergencys
What do you advise? |
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Answer:
You should read the credit card agreement terms first, to know what the requirements of the bank are. Generally, you can be given a credit if you can prove to the bank the ability to pay. So, if you make the deposit (install an account) in the bank you want to get a credit card from, they are supposed to approve you for the credit card.
As you do not mention your credit score, it is rather difficult to recommend something definite. Look through the secured credit card applications at our site and decide whether some of them meet your needs.
You should also consider pre-paid credit cards, as you supposingly have enough cash just to put onto a credit card. Why getting involved into credit, if you can just convert your money into a more convenient form? |
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User Name:
Nancy |
Date:
February 18, 2007, 10:24 pm |
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Hi!
my son; 23; is living in california where he graduated in june and has been employed since july. he is going to be leaving his job at the end of february and will be moving his things back home to illinois. at the end of march he is on his way to asia for a 6 month adventure. the only card that he has used is a debit card.
he is looking to apply for a credit card for use overseas. can you make any suggestions for the best type of card to use in asia or overseas; and what he should be aware of.
he will be changing his address to our illinois home and i have suggested that that be the address that he put on the application for where he wants his statements to go. since he will be gone for an extended period of time, by coming to illinois, i can take care of payment.
i also thought that it may prove to be helpful that my name be on the account, just in case the card gets stole or lost, so that i can be allowed to speak to someone about the account in his absence.
thanks for your help! |
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Answer:
First of all we can assure you, that your son can receive a credit card, filling out respective credit card application and entering his personal data, including Social Security Number. The question arises, what card he can afford. As it follows from your inquiry, your son has no credit history. So, your son can establish his credit, applying for some of secured credit cards. These cards are great to set up his credit and their credit line will depend on the bank account amount. Moreover, secured cards, we offer, are guaranteed approval cards, which means, your son's sure to get credit card approval. Another option is for you. You can apply for a card you qualify for, taking into consideration your son's needs, and fill out additional application in the bank to authorize your son to use the card. To sum up, we can assure you, credit cards, issued by world famous credit card issuers such as MasterCard or Visa are accepted worldwide. Just take into consideration foreign exchange fees using your card abroad. |
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