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User Questions & Answers about Credit Cards:

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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 I transfer a credit card balance to a new card? Do I need to pay off the balance on the current credit card before I can transfer?

Answered on

Once you are approved for a balance transfer credit card, you will need to contact the new credit card company over the phone or online to request the balance transfer. They will ask you to provide your old cards account numbers and tell how much of your balance you want to transfer. After that,… Continue reading

What rewards does Chase Sapphire Reserve credit card offer? Is it worth applying for it?

Answered on

The Chase Sapphire Reserve credit card offers 3X points on travel, 3X points on dining at restaurants, 1 point per dollar spent on all other purchases. It also comes with the sign-up bonus – 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening…. Continue reading

1. Is there a limit on balance transfers? I would like to consolidate about 5 credit card debts into 1. 2. What information is needed to do the balance transfers?

Answered on

When you request a balance transfer, you should remember that you won’t be able to transfer more than available credit limit on your new balance transfer credit card. Thus, if available credit limit on your new credit card is $6,000, you won’t be able to transfer more than that amount…. Continue reading

My credit is bad, I need to transfer high rates to a zero or lower rate card, but I keep getting denied.

Answered on

First of all, you need to find out the reason of these rejections. Issuers typically send a rejection letter with explanations, so just read it attentively. Then, check your credit reports to make sure that there are no mistakes. In case there are some, you can dispute them with the bureaus. You… Continue reading

What rewards does Ritz credit card offer? Is it worth applying for it?

Answered on

The Ritz-Carlton credit card offers 6X points per $1 spent at over 7,000 participating Marriott Bonvoy hotels worldwide, 3X points for every $1 on dining, car rentals and airline purchases, 2X points per $1 spent on all other purchases. Unfortunately, credit card application is not availavble for… Continue reading

I’ve found that Upromise Mastercard credit card rounds up purchases to earn more cash back. Are there any similar credit card offers?

Answered on

You’re right, Upromise® Mastercard® comes with this feature. Upromise Round Up lets you round up your purchases to the nearest dollar, based on the threshold you set (from $1 to $500). The total Round Up Amount is considered a purchase and also earns 1.25% cash back. You may consider the… Continue reading

I had Barclaycard CashForward Mastercard in the past but had to close it. Now I want to apply for this card again but cannot find it anywhere. Can you help?

Answered on

The Barclaycard CashForward World Mastercard is no longer issued by the bank. That’s why you cannot find it and cannot apply for it. You can apply for a different credit card though. You can get a travel rewards credit card that will allow you to earn rewards on all your purchases and redeem them… Continue reading

What rewards does Wyndham card offer? Is it worth applying for it?

Answered on

Wyndham Rewards Visa Card is a co-branded card of Wyndham offered by Barclaycard that gives you 3 points for staying at participating By Wyndham hotels, Wyndham Vacation Rental North America properties, and Wyndham timeshare properties, 2 points on eligible gas, utility and grocery store purchases… Continue reading

I wanted to apply for the Chase Sapphire Reserve credit card but the annual fee is too high. Can you recommend something else?

Answered on

Chase Sapphire Reserve credit card is a premium credit card which comes with high $450 annual fee because it provides premium benefits like $300 annual travel credit, Global Entry or TSA Pre✓® Fee credit and complimentary airport lounge access. If you’re not a frequent traveler and you understand… Continue reading

Is it worth applying for the Amex Blue Cash Everyday credit card? Any recommendations?

Answered on

If you are looking for a cash back credit card for your everyday purchases, you may consider the Blue Cash Everyday® credit card. This card offers 3% cash back at U.S. supermarkets, on up to $6,000 per year in purchases (then 1%), 2% cash back at U.S. gas stations & select U.S. department… Continue reading

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May 08, 2015

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