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Bad Credit Cards or How to Improve Credit History
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Public Savings Bank Secured Black Card
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Displaying 750 to 760 (of 1947 questions) |
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User Name:
terry jones |
Date:
March 18, 2007, 9:36 pm |
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I have credit that is not so good how can i apply for a credit card that will help me build up my credit |
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Answer:
You see, it`s important to know exactly what type of credit history you have. "Not so good credit" may mean bad or fair credit rating. At our site you can find a wide choice of credit card applications for both the types of credit history. You can prefer a secured credit card (that requires a beforehand deposit, serving as collateral and determining the amount of the credit limit), unsecured credit card for no credit (with higher fees and rates, but no collateral is required) or co-signer credit card (when a friend or relative of yours, if he has good credit, obtains a good credit card and signs you up as co-borrower). With fair credit rating you can take advantage of fair credit cards. Read attentively terms and conditions of the cards and choose the best one suitable and available. When you pay it off, your credit history will be increased and you`ll be able to pretend to better credit cards. |
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User Name:
William Hiesermann |
Date:
March 19, 2007, 12:50 am |
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does instant credit mean instant use? |
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Answer:
If a credit cards implies instant approval, it doesn`t necessarily mean, that you`ll be able to use it immediately. If you apply for instant approval credit card, you can be approved in 60 seconds, but in any case your card needs activation, with the use of the activation number, provided by your bank in a letter, by phone or by Internet. You should also have the PIN of the credit card, which you can get in a letter, or by phone, when activating your credit card. Some people try to use the card without activating, as they already can give the card number where it is needed, but as there is no money available on the card, no payments can be processed. In some cases, there is a setup fee required to start using the credit card. Every bank or credit company may have some nuances in its system, so when you apply for a credit card online, it is better to contact your bank and ask all the necessary questions. |
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User Name:
Ray Bell |
Date:
March 19, 2007, 1:18 am |
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I got a letter in the mail telling me that i can apply for a platinum credit card from premier bank and i dont know where to go |
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Answer:
First PREMIE Bank offers the best credit card applications for customers with no and bad credit. If you`ve never had credit before, or your credit rating defines your credit history as bad, - then First PREMIER credit card is really a good choice for you. You re welcome to evaluate First PREMIER credit card applications, presented at our site. Unfortunately, we don`t offer a platinum card, but among other cards from this bank you may find the best one, designed for you. With suchlike cards you'll be able to benefit from low APR on purchases, take advantage of 24 hour account access by phone and enjoy the prestige of a MasterCard or Visa. To learn about other attractive options get acquainted with our First PREMIER credit cards. |
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User Name:
DOUGLAS |
Date:
March 19, 2007, 7:26 am |
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HOW DO I IMPROVE MY FICO SCORE OF 619 TO 660 AND HOW LONG WILL IT TAKE APPROXIMATLY.
how long do I NEED TO IMPROVE MY CREDIT SCORE |
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Answer:
To tell the truth, if it’s the case of negative items, it can affect your credit score much more quickly than positive items. Late payments can negatively affect your score in just a few months, whereas paying bills on time may take 6 to 12 months to generate a significant improvement in your score. Besides, much depends on the type of delinquency (if there was any), or just the time when you pay your card off. We are not a credit bureau and can’t tell you exactly, how long it can take you. Anyway it is necessary to develop a plan of improving your credit score. Order a copy of your credit report, review it carefully and correct any significant errors. Pay your bills on time. If you have a questionable credit history, open a few new credit accounts, use them responsibly, and pay them off on time. Don't open credit accounts you don't intend to use. A credit card or installment loan can raise your score as long as you don't have too high a balance and you pay it off in a timely manner. Keep your balance low in relation to your available credit. If your credit limit is $10,000, keeping your balance below $2,500 (25%) will improve your score. If you do your best, your credit score will be increased, and you’ll be able to count on credit cards with more attractive options than before. |
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User Name:
Giselle |
Date:
March 19, 2007, 8:03 am |
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cAN i APPLY FOR A CREDIT CARD IF I DONT WORK EVEN IF I GET MONEY FROM MY HUSBAND? |
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Answer:
Well, basically there are two variants for you. If your husband has a credit history, he can apply for an additional credit card for you. According to his credit rating he can look through cards for no credit, cards for limited credit, fair credit cards or good or excellent credit cards, presented at our site and choose the best one available. He will be holding the card, but you`ll be able to use it for your own purposes. If you wish to have a credit card necessarily in your name, you husband can open an account (in your name), which will serve as collateral for your secured credit card. The credit limit will be the same as the amount of the installment. Choose one of secured credit cards and file online credit card application. |
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User Name:
shei2531 |
Date:
March 19, 2007, 8:36 pm |
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hi.
i have just moved to canada from abroad and the whole credit thing is confusing. I have absolutely no credit. And i want to establish mine. Just opened my checking account, started work a month ago. I know getting secured credit card is one way. But how about department store cards? can i apply for those now?
I was also wondering if I do apply now, and I get declined, does it affect my credit ( since i have none yet) i know that applying for line of credit lowers score down ( and i dont know how it can lower mine since I have zero) do you know of any credit cards i can apply now
Thanks |
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Answer:
Indeed, each time you apply for a new credit card, your credit report gets checked and, of course, it lowers your score down if you are constantly declined. Having no credit does not mean that you can't get an approval. The best solution of this problem is to find the card you are eligible for. If you are trying to build your credit, it is possible that department store credit cards are a good solution of this problem. They are easier to get than the standard bank credit cards. But you must remember that with their help you build your credit history or you can quickly find yourself in debt. Department store cards are more expensive than other credit cards, and have higher interest rates. Just pay your bills on time and you'll have minimum problems. If you have no credit, you can look through our cards for no credit and choose the best card to begin your credit with. Secured credit cards can really help you to establish your credit history. They demand a deposit to the bank so that the issuers can be sure in your financial stability. You can try unsecured credit cards which can also be a good step towards building your credit. In this case you must have enough income as these cards charge higher fees and rates. One more solution is with the help of a co-signer, a friend or a relative, who will have to pay your debt in case you fail to do it. He applies for a credit card, and when approved, makes you a co-borrower. |
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User Name:
Heather |
Date:
March 20, 2007, 2:40 pm |
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Should I take out a loan to pay off $5K debt on credit card for lower interest and to help score for new home mortgage?
I do not have the best credit btu I am tryig to build mine up but as of now I still dont. I want to consolidate my credit cards into one card but i need a card of which will give me a limit of $3,643.80 in order to do so. Do you know a card that could provide that service for me? |
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Answer:
Unfortunately, it is not clear from your inquiry what credit history you have, so it is difficult to recommend anything definite. If it is not less than fair, you can try balance transfer credit cards. Suchlike cards allow relocate your debt from one credit card (or cards, as a rule, not more than four) onto another with the lower interest rate. Having middle credit score, you can examine cards for fair credit, among which you can find balance transfer credit cards. With positive credit history, you are welcome to look through 0% balance transfer cards, presented at our site. Be careful, apply only for the cards, which you can afford. Read terms and conditions of the cards attentively to choose the card available. Another variant can be debt consolidation loan, which can help avoid filing bankruptcy, eliminate creditor harassment, lower debt payments up to 50%, provide one monthly payment. For detailed information about loans you can search in the Internet, loans are out of your competence. No matter what variant you`ll prefer, consider all the advantages and disadvantages to make the right decision. |
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User Name:
James McBirney |
Date:
March 20, 2007, 4:29 pm |
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I would like to try to rebuild my credit, and get a credit card. Is it possible to get a credit card with bad credit?? |
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Answer:
Well, much depends on the amount of your credit score. It is necessary to turn to a bureau and check your credit report. If it is lower than bad (that is no credit), then cards for bad credit are not available for you and you can count on only cards for no credit. With bad credit rating you are eligible for bad credit cards. Anyway there are three basic variants for rebuilding credit. You can apply for a secured credit card (that requires installing a deposit, serving as collateral and determining the amount of the credit limit), unsecured credit card for bad/no credit (with higher fees and rates, but no collateral is required) or co-signer credit card (when a friend or relative of yours, if he has good credit, obtains a good credit card and signs you up as co-borrower). Examine terms and conditions to find the card with the most attractive options and available for your credit conditions. Then file online credit card application. Make your payments in full and on time and gradually your credit score will be increased. |
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User Name:
Mike |
Date:
March 20, 2007, 6:00 pm |
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I need to know how to get the right credit card to build up my experian points but only for Experian.What card should apply for????? |
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Answer:
In fact, to be a creditworthy customer and apply for a credit card with confidence, you need to have credit reports in all the three credit agencies - Equifax, Experian and Transunion. Besides, it is of utter importance to keep all your reports identical. The matter is, that when you made up your mind to apply for a credit card online, credit institutions will pay special attention to your credit reports. Banks or companies will make inquiries, monitor the reports and then will make a credit decision. And if your reports are not in order (or you lack one or two of them), you run a risk to receive a denial and damage your credit score. So, when you will be choosing the card, check that it reports to all major agencies. We can`t advise you anything definite, as you don`t mention your credit rating. You may look for the card in one of our sections - cards for no credit, cards for bad credit, fair credit cards or good or excellent credit cards. |
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User Name:
May Valdez |
Date:
March 21, 2007, 2:59 am |
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if you have low credit score and credit repair, how can i get a credit card? |
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Answer:
After you order a copy of your credit report, review it carefully and correct any significant errors, you may develop a plan of improving your credit score. If you have a questionable credit history, open a few new credit accounts (according to your credit rating), use them responsibly, and pay them off on time. Don't open credit accounts, which you are not going to use. A credit card can raise your score, if your balance is not too high and you pay it off in a timely manner. Keep your balance low in relation to your available credit. If your credit limit is $10,000, keeping your balance below $2,500 (25%) will improve your score. At our site we present various online credit card applications for low credit. So, depending on the amount of your credit score, you can choose from cards for no credit or cards for bad credit. |
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