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Balance Transfer Cards for Bad Credit or How to Relocate Credit Card Debt
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Displaying 880 to 890 (of 1947 questions) |
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User Name:
Silvia |
Date:
April 10, 2007, 8:51 pm |
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I am currently in a custudy battle in court and had no other choice but to pay attorney fees with my credit cards. I continually have to open new credit cards to be able to make payments to the attorney. So far all my credit cards together make a combined total of $15,000.00. I would like to find a credit card company that will allow me to consolidate this ENORMOUS amount of debt into one card in order to make one payment a month (as opposed to 4 or 5). Please stear me in the right direction as to a good credit card company willing to consilidate my cards to one.
Thank you for your help,
Silvia |
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Answer:
Consider consolidating your credit card debt onto one card, or moving a balance from one card to one with a lower interest rate. You'll save a lot of money and buy yourself more time to pay off the debt. Apply for one of the many 0% balance transfer cards that are presented at our site. Mind that many of these 0% rates are introductory, but paying less money to maintain your debt is your first step towards eliminating credit card debt. You can get a balance transfer card in case you have good or excellent credit history. If this way doesn't suit you, you can also try to consolidate your credit card debt through a secured (demands collateral) or unsecured consolidation loan. Find an appropriate debt consolidation program through the Internet as at our site we don't provide loans. Sometimes an unsecured consolidation loan may carry much lower interest rate than the credit card, so think twice before making a decision. |
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User Name:
john M |
Date:
April 10, 2007, 9:27 pm |
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what do companies use if you have two high scres and one low for some reason. all agencies report almost the same exact things. what score will banks go off of if i wish to apply for a card? |
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Answer:
Very often creditors look at the lowest score in one of your credit reports. The bureaus may have different information about your credit history which means that your score can vary from bureau to bureau. That's why you need to view reports from all 3. At our site you can find a lot of cards for all types of credit: best credit cards, for people with excellent (750-850) or good (660-749) credit, cards for fair credit (620-659), limited credit (350-619) and a no credit (0-349). Choose the card that suits your score and requirements and insert the credit card application. |
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User Name:
marisol aviles |
Date:
April 11, 2007, 10:34 am |
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I need to know if i can get a card if i have bad credid promble from othe pass years ago it being along time ago. |
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Answer:
Before applying for a credit card you need to check your credit report and find out your credit score. If you possess a bad credit (credit score of 350-619) you can look through our bad credit card offers. These cards are issued right for people who want to build or re-build their credit history. Compare their features and terms very carefully and make your choice. At our site you can apply for this credit card online. Just click the link APPLY at the credit card and fill in an application form with all the necessary information. Your application will be submitted to the bank. You can be approved even if you had credit problems and were rejected by other credit companies. Good luck! |
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User Name:
Amin |
Date:
April 11, 2007, 11:58 am |
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Hi. I saw an article on yahoo.com about making money with a new credit card. I said to get a credit card with 0% Intro APR, take out all of the money and put it into a cd or a high-interest savings account for 5-6 months (or more) while paying only the minimum amount on the credit card each month. The money in the savings account will gain interest, and as soon as the Intro APR is expired then the full credit card amount is paid off. I don't know what this is called but it sounds like a good idea. Are there any problems with this idea?
Also, when the credit card amount is paid in full, will the credit score go back up to what it was before this whole process was started?
Thank you for all of your help
Amin |
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Answer:
Actually, balance transfer cards can be a good way for reducing your high-interest credit card debt by relocating it into one card. They're equally good as a source of funds for your high-yield online savings account. Mind that balance transfer cards are created for people with good or excellent credit history. So, if your credit is less than average, you can't obtain this card. Most of banks offer 0% intro APR for 6 or 12 months, no annual fee and other favourable conditions. At our site you have an opportunity to get one of the balance transfer cards by filling out a credit card application. Do it and wait for an online approval! |
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User Name:
rachelle |
Date:
April 11, 2007, 12:05 pm |
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I have a few credit cards and I would really like to pay them off. But all I can afford is to pay the minimum payment for each and I will not get anywhere by doing that what wouyld you suggest I do? |
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Answer:
The best alternative may be applying to a debt consolidation agency. Credit card debt consolidation allows you to pay your current debt in 3-6 years. Its purpose is to speed up paying time and at the same time to make lower monthly bills. You can select a debt consolidation company from the many firms advertising themselves online as we don't give loans. You can get a lower rate through a secured loan, submitting some kind of collateral for the loan. For unsecured consolidation loans, you need not name any collateral, but it also means that you need to pay higher interest. At our site you can find balance transfer cards that will help you relocate your debt into 1 card. But mind, that to get a balance transfer card, you need to have good or excellent credit history. Besides, credit cards may carry a much larger interest rate than even an unsecured loan from a bank. |
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User Name:
Kelly Santos |
Date:
April 11, 2007, 1:39 pm |
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Can I apply for a credit card with just a TAX ID number? I have no social security number. Is that ok? |
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Answer:
As a matter of fact, many banks and credit companies ask for your social security number. If you are a noncitizen living in the country where you apply for a credit card, you may also need a social security number. Credit card companies have implemented a system of security numbers to ensure the card used in a transaction is actually possessed by a cardholder. In case you need your own number, you can apply for it online or by e-mail. Complete an application for a social security number and provide an original of a primary document that prooves your identity. You can also mail your completed application form and identity documents. TAX ID number is asked only in the exclusive cases, as an additional information. Unfortunately we don't deal with these questions, so you should consider it with the bank or credit company. |
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User Name:
sue |
Date:
April 11, 2007, 3:08 pm |
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are there any credit cards that dont charge a balance transfer fee?
I have a couple of high interest credit cards 28-32% APR and require assistance to lower the monthly interest rates...help would be appreciated. |
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Answer:
In case you want to reduce your high-interest credit card debt, you can apply for a balance transfer card that will help you relocate your debt into one card with the lower interest rate. At our site you'll find the list of the best 0% balance transfer offers available online. Obtaining cards that offer fixed low interest balance transfer, you can get 0% APR or become a holder of a balance transfer card with best credit card rates. Most of banks offer 0% intro APR for 6 to 12 months, no annual fee and other favourable conditions. Compare them all and choose the card you like. Once satisfied with the terms and conditions of the offer, be sure to fill out the balance transfer application. Keep in mind that these cards are designed for people with no less than fair credit history, so think about your credit report before applying for a card. |
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User Name:
KEVIN |
Date:
April 11, 2007, 4:57 pm |
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i believe my credit score is in the 400's and i am in the process of rebuilding my credit how long would it take my score to go up |
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Answer:
In case your credit score is 400, you have bad credit. But it is better to know your exact score. Turn to the credit bureau and check your report. Before applying for a card, make sure you qualify. Bad credit cards can be a good way out as they help people to rebuild credit history. Choose the suitable card among the best secured credit cards (demand cash deposit to the bank) as well as unsecured credit cards for bad credit. After you choose the card, insert one of the credit card applications and wait for the approval. Improve your credit history, and the choice of better credit cards will enlarge. |
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User Name:
Cheryl |
Date:
April 11, 2007, 5:25 pm |
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if my twenty yr old son has no credit how does he get a credit card to start building good credit |
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Answer:
A good opportunity to start building good credit is with the help of cards for no credit . Among all the credit card offers for no credit a secured credit card is the best way to establish your credit history and later on to obtain the best credit cards. Before applying for such a card, you need to make a bank account or other collateral to confirm your financial stability. Unsecured credit cards can be also an ideal decision for those who have no credit, but they charge higher fees and rates. You can try another way of building your credit, to be exactly, with the help of a co-signer, who applies for a good credit card, and when approved, makes you a co-borrower. You'll have different cards but the mutual accounts. If you doesn't pay off the debt, this account will be a compensation. |
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User Name:
brian barrett |
Date:
April 11, 2007, 5:32 pm |
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can i get a 2,000 dollar limit |
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Answer:
The credit limit is the maximum amount you may charge on your credit card. Usually creditors determine the amount of a person's credit limit, taking into account his credit possibilities. Credit limit depends on the terms of your card and may be changed according to your credit history. If you proove to be a good credit payer, you'll be given a higher limit. But be aware before asking a high limit, because if you are not able to maintain credit line, it can damage your score. Read terms and conditions during the signing of the agreement and choose the card that suits your score and requirements. |
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