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Answer:
If you are looking to apply for a credit card, it's very important to find the right one. Requesting a credit card you do not qualify for, you can get the bank's denial, which will hurt your credit history. The lender's approval depends on lots of factors, the major of which is your credit rating. On this basis you can choose from such categories as no credit cards, cards for bad credit, fair, good and excellent credit cards. If you are a good/excellent credit customer (660-850 FICO score), pay attention to Blue from American Express®, a lowest APR card with a high credit limit. The size of the limit is dependable on the size of your income. The higher the income, the larger your credit line will be. Before you apply for this card online, make sure you have no late or missed payments and your payment history is no less than 5 years. In case you're a "limited" credit customer, which means you're just building your credit history and have low credit score, you can apply for Capital One Standard Platinum card with no annual fee and 0% purchase APR until December, 2008. Capital One cards for average credit history require that the applicant doesn't have any late or missed payments in his/her name. A qualifying customer for Capital One limited credit cards would be a young person earning his living or a college student. If your credit rating refers to the category of bad, or damaged, an adequate variant would be Centennial Gold MasterCard®/Visa from First PREMIER Bank. Though its terms and conditions might not be as beneficial as you expected, it's a fine money management tool with an in-built credit repair program. Study and compare the cards' features and apply online for the most suitable for you offer. |
