Credit Card FAQs

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Frequently Asked Questions about Credit Cards:

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We put all FAQs into categories for your convenience. You can browse among categories for useful information or address you own question to our experts directly. Our qualified credit experts are always ready to help you.

Most Asked Questions:

I’m planning to buy furniture at Houzz and wanted to apply for their financing, but I don’t like the terms. Is there a credit card that will give me no interest and no annual fee?

You can apply for any credit card that offers 0% on purchases. For example, the Discover it® Cash Back credit card has a 14-month 0% intro APR on purchases (when the introductory interest rate is over, the ongoing APR of 14.24% - 25.24% Variable will apply). So, you will have plenty of time to pay off your purchase. Also, this card comes with cash back rewards. Earn... Continue reading

What is the best credit card wtih great bonus for everyday purchases which I can use anywhere?

If you want to have credit card with great rewards, you may choose the Discover it® Cash Back credit card. This card comes with 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum each time you activate, all other purchases will earn 1% cash back. What is more, Discover will match ALL the cash back earned at the... Continue reading

More Cash Back Cards FAQs
What is the best credit card?

With today’s credit card offers it’s getting harder and harder to find the best credit card to apply for. You may find lots of various credit card ratings and comparisons but still wonder which is the best credit card to get. The truth is there is a best credit card for every person, every need and even every situation. There’s no one for all credit card. Continue reading

I want to save when shopping in Torrid and other clothing stores. What card should I get?

If you would need a credit card solely for Torrid purchases it may be good to apply for their co-branded credit card, but in case you need a card that earn rewards on all purchases. We would recommend you to apply for the cash back credit card. You have to look at the monetary value of each reward you might earn. Things like savings on gas, reimbursements for travel expenses on your statement, and cash back for... Continue reading

More General FAQs
What card can I apply for with excellent credit?

If your credit is truly excellent – in the high 700s or above – then you have many choices including cards offering VIP perks and concierge service, big sign-on bonuses, and high-value rewards. It’s simply a matter of which card you prefer, so think about what card best fits your needs. Continue reading

What card can I apply for with good credit?

When your credit is good, you have a wide range of cards to choose from with a variety of rewards. It’s up to you to decide if you want cash back, travel miles, a 0% introductory APR on balance transfers or purchases, or a no-frills card with a low APR and no late fees. Read our credit card reviews and decide which card is best for you. Continue reading

More Good Credit FAQs
How many points will i get with the mercedes benz credit card?

The card offers increased rewards for selected purchases and 1 point for all other purchases. For example, it offers 5X points on select Mercedes-Benz purchases, 3X points on gas stations, 2x points at restaurants and 1 point everywhere else. So, depending on whether you spend enough on therse types of purchases this card may or may not be beneficial for you. The 5X bonus is ok when you spend a lot on Mercedes purchases, and it may turn out great if you are planning to buy or lease a car or buy some accessories, but check first if you are able to charge a car to your credit card. The credit limit may not be enough for big purchases. Continue reading

More Credit Card Rewards FAQs
When can I get an airline credit card?

Typically, you can start shopping for airline credit cards when you have good to excellent credit history. There is no sense in applying for an airline credit card earlier, as you may not be approved for a Visa Signature or World Elite Mastercard cards, which offer better travel perks and benefits. Continue reading

Which is the best travel card to use?

It depends on how often you fly, your spending habits, and whether you are loyal to one particular airline. Thus, when you do not fly a lot, having an airline branded or travel tailored credit card won't have sense. You won't simply earn those big rewards in travel category if you do not travel. Continue reading

More Frequent Flyer Miles FAQs
What is Mastercard sign in and how can I use it?

There are a lot of services with Mastercard sign in. You can use all of them or just those that suit your lifestyle. Below you will find some of the services you can use as a Mastercard cardholder. Continue reading

What is a virtual credit card? Can I get a virtual Mastercard?

A virtual card is basically just a number specifically generated for you to pay for your purchases online. This number is connected with your account and allows you to draw money in a secure way without endangering your real account. There is no difference for the online merchant between a virtual card or a physical card, but in this way a merchant doesn't have an access to an original account, hence no opportunity to steal. Continue reading

More Mastercard Offers FAQs
What is balance transfer and how to go about it?

Balance transfer is a scheme that saves you from paying extra interest on your outstanding balance. It helps you to clear your debts in a much faster and efficient way, when you have your interest rates holding you from clearing your credit card balances. It is a process that takes place between two banks or credit card agencies and you. Your previous account with a bank or a credit card company will be transferred to a new credit card company or a bank... Continue reading

Is a balance transfer good or bad for a credit score, or could it damage my credit?

Transferring your balance from a card with a high APR card to one with a lower interest rate or even 0% APR, is usually a smart move and will not hurt your credit score. In fact, having another line of credit open will add to your total available credit and may improve your credit score. However, applying for new credit can have a short-term negative effect on credit, so try not to open too many new accounts within the same time frame. Continue reading

More Balance Transfer FAQs
How to get a business credit card?

If you want to get a business credit card, first of all, look up your credit score. Business credit card issuers will consider your personal and business credit score (if you already have it). Continue reading

What is the difference between business and personal credit rating?

Business credit rating is a rating of a particular corporation or a small business company. The business credit score can be and should be separate from your personal credit score. When these two scores are separate, your personal and business financial risks are separate as well. Continue reading

More Credit Cards for Business FAQs
How many credit cards should I have?

There is no magical number of credit cards that is considered right for all consumers. In fact, the number of credit cards you can have depends on your individual credit history, credit score, and the way you manage your credit accounts. Lenders also have their own view on how many credit cards is "too many." Continue reading

How to cancel a credit card?

Closing a credit card account is not simply snipping a credit card. It is a more complicated process that takes more time and effort. You should understand why you are closing your credit card and how it will impact your credit score. Continue reading

More Building Credit History FAQs
Hi I’m searching for a major credit card for car rental use and for gas but my score is very low. Could you give good advice?

You can apply for a secured credit card. You will need to put down a security deposit to get this card. A minimum security deposit is around $200 and it gets you the equal line of credit. Continue reading

Can I get a credit card if I have no income and bad credit?

Most credit cards will not approve an applicant with bad credit and no income. Credit card issuers want to know that if they grant you a line of credit, you will be able to pay it back. However, there are circumstances in which a person with no income needs to get a credit card - a stay-at-home parent, for example, whose spouse provides income, or a student supported by a parent. In those cases, it might be best for the person who is not earning income to be an authorized user on their spouse... Continue reading

More Bad Credit FAQs

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May 08, 2015

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