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User Questions & Answers about Excellent/Good Credit

As you’ve decided to choose one of best credit card offers available to people with perfect credit and don’t really sure about what card you’d better apply, you may ask our experts and you’ll be given a possible way out. See our advice and make your own decision.

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I have had a Bank of America rewards card for students for 2 years. Now my credit is better and I want to get a card with lower interest rate (or even 0% APR). Can you offer any rewards credit card for me?

Answered on September 27, 2018

If you want to transfer your balance to a new credit card, note that many credit cards offer 0% APR on purchases for cardholders. If you need this feature you'd better consider getting a regular credit card, that may offer not only 0% intro APR on purchases but even decent rewards and no annual fee. ... Continue reading

I was denied a SW card although my Experian Credit Score is 788 and my other credit scores exceed 800 each. Our net worth exceeds $1250000. I pay off all bills monthly and have for nearly all of my life. The decision cannot be based on credit worthiness.

Answered on September 13, 2018

The Southwest credit cards are issued by Chase. Therefore, we assume that you fall under the Chase’s 5/24 rule. This rule means that in order to get approved for any Chase credit card, you cannot have opened five or more personal credit cards across all banks in the last 24 months. You can read... Continue reading

I need dental work done and want a card with 21 months of 0% interest and credit line of $5,000. What is my best option? How long does it take to apply for and receive a card? What would the monthly payment be? Is a credit card option better than financing?

Answered on August 17, 2018

You can consider applying for the Citi Simplicity® Card. The card offers 12 months of 0% interest (when introductory period is over, an ongoing APR will apply). Continue reading

Do Ikea visa card rewards expire?

Answered on May 14, 2018

Yes. Ikea Visa Credit Card rewards expire after 36 months after the date that they are posted to your account. Moreover, you can't redeem earned rewards at any amount. The minimum redemption rate is $15. After you earn $15 in rewards, you will get $15 Reward Certificate that can only be used at Ikea.... Continue reading

Does Starbucks credit card offer 0% APR on purchases?

Answered on March 25, 2018

Unfortunately, no. Co-branded credit cards almost never offer 0% APR on purchases for cardholders. If you need this feature you'd better consider getting a regular credit card, that may offer not only 0% intro APR on purchases but even decent rewards and no annual fee. Continue reading

Does the Exxon Smart Card allow you to save 6 cents off a gallon of gas each time you use this card? I did not find this card on the website and would like to apply for it.

Answered on April 27, 2017

You will be able to earn 6 cents per gallon using the Exxon Smart card if you purchase at least 45 gallons (maximum is 100 gallons) of Exxon or Mobil branded fuel in a billing cycle. To apply for this card you should visit the ExxonMobil website. Continue reading

What kind of credit do I need to apply for the Lowe’s credit card?

Answered on March 24, 2017

Excellent credit is not necessary, but this card will not be given to those with bad credit either. Continue reading

Can I use the Burkes Outlet credit card at other stores like Burkes?

Answered on November 24, 2016

Unfortunately you can't. The Burkes Outlet credit card is only good at Burkes Outlet store locations and for online purchases from Burkes website. If you want to use your card at other stores, you should consider a general credit card since they're accepted just about everywhere. If you'd still like... Continue reading

I have an excellent credit score that I’ve worked hard to earn and maintain. What kinds of cards are available to me, that reflect my great credit?

Answered on July 23, 2016

Congratulations on having a sky-high credit score. You must have made all your payments on time, kept your revolving balances low, had your credit cards for a long time, and utilized a mix of types of credit, such as a business loan or mortgage in addition to a credit card. Continue reading

I am interested in the Modell’s credit card and I was wondering if I would be eligible for it because my credit score is not exactly 800. Do you think I would be approved for this card, and also, where can I apply for it?

Answered on July 18, 2015

When it comes down to whether or not you are going to be approved for a specific card, you have to remember that there are several factors the credit issuer takes into consideration, not just your credit score. Continue reading

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