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Credit Card Applications » Questions » User Questions

User Questions & Answers about Credit Cards:

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Leo Zhu,

CreditLand Consultant on Credit Card Questions:

People always keep many different questions in their heads and not always have a suitable person to address. So, at least in this section you may ask the one about credit cards. Any question about credit cards that disturbs your peace is welcomed here. Don’t hesitate and ask our experts.

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Recently Answered Questions:

How do you decide how high is too high when it comes to APR?

Answered by , at

Well, you will definitely not want to have a credit card with the 30% APR, and such cards do exist. The APR of 24% is also quite high, but it is common for credit cards that are offered to people with bad credit. However, it is possible to avoid interest payments on purchases by paying of the... Continue reading
I have acquired a lot of credit cards over the years and most of them I do not use anymore. Right now i use only my Arvest card. Should I close some of the accounts I know I will never use again?

Answered by , at

No, you should not close old accounts. Old accounts bode well for the length of your credit history which can be a significant portion of your credit score. Continue reading
A lot of my friends use their credit cards for everything even when buying clothes at KingSize and when they have the money, isn’t this a bad habit and aren’t you better using cash when possible?

Answered by , at

Credit cards are great for many thing other than just financing. Cards can help you balance your budget if you have flexible income or your two largest monthly bills happen to come at the same time of the month. Continue reading
I am currently interested in applying for the Bergner’s credit card, but my credit score is not very good. It used to be a lot worse, but I’ve slowly rebuilt it to a point where I think I might be ready to apply for a card like this one. Do you know what credit score I would be required to have if I want to be eligible for the Bergner’s card?

Answered by , at

Every credit issuer is different when it comes to determining what makes someone worthy of their card, so unfortunately, I have no way of determining what credit score you would be required to have to be eligible for the Bergner's card. Continue reading
I have a credit score of 798. I’m looking to get a Visa card. I hear Chase Freedom is a good card. I had a Chase card back in 1989 that I had problems with. I have my checking and investments at Chase. Do u think I can get the card?

Answered by , at

Since you have accounts at Chase it may be easier for you to qualify for the Chase Freedom card. Note that there is a card that is similar to the Chase Freedom credit card – the Discover it Cashback Match credit card. Like the Chase’s card, this card will allow you to earn 5% cash back... Continue reading
What is the deal with the variable APR? My credit score is 820 so do I get the lowest interest rate?

Answered by , at

The variable APR is the interest rate that will vary with the market based on the Prime Rate. The issuers usually add 10% to 20% to the Prime Rate to determine the purchase and balance transfer APR. However, as a rule variable APRs do not exceed 30%. With this high credit score you may qualify for... Continue reading
I have had some credit hiccups in the past, my credit has improved but is still not good, I was considering applying for the Arvest Visa, can you tell me if you think I will be approved?

Answered by , at

I will assume you either have poor or fair credit. If you have poor credit you will probably not get approved for this card. Continue reading

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