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Immediate credit card care service
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Displaying 140 to 150 (of 210 questions) |
Page: 15 of 21 |
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User Name:
yvonne strong |
Date:
May 29, 2007, 11:02 am |
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I apply for your citicard. I was aprove on line for 3,500 line of credit,
I would like to know the where is my card?
Yvonne H Strong |
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Answer:
If you score is high enough you may be eligible for the best cards and receive instant approval online. However mind that even if you are approved the plastic card itself will come to you later. You need not to worry as it generally takes some time before the card arrives to you. After you are approved the bank sends the card itself and all the necessary documentation to you by post. So, you should be patient and wait a bit. The period of card delivery may vary because it depends largely on the work of the post office and on your location. In case you don't get a card for a long time, contact the bank by phone or through its official website and clear out the situation there. All the best, Manager of Immediate Credit Card Care Service |
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User Name:
Megan |
Date:
May 29, 2007, 7:29 pm |
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I have two credit cards that I would like to consolidate onto one card with 0% apr for 12 months. The two cards total $7000 debt. Is there any card or offer I qualify for which meets these requirements? |
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Answer:
Whether you qualify for a certain card or not depends mainly on your current credit score. That’s why before submitting an application it is recommended that you request your reports from all three credit bureaus and consider your scores. The best balance transfer cards are available for those whose score is either good (660-749) or excellent (750-850). Balance transfer deals allow you to consolidate your debt in one card and saving your money. Most balance transfer cards offer no annual fee and 0% APR on balance transfers during the introductory period. The introductory period usually varies from 6 to 15 months. If you want 0% intro APR on balance transfers for 12 months pay your attention to Discover® Card or Chase Bank Platinum Visa®. Anyway we recommend you to look through all offers for balance transfers, to compare the terms and conditions and to decide which card would be best for you. All the best, Manager of Immediate Credit Card Care Service |
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User Name:
Kenneth |
Date:
May 31, 2007, 5:09 pm |
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What does APR stand for ? |
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Answer:
APR is one of the key terms in the world of credit and stands for “annual percentage rate”. It is the actual cost of credit that consumers pay, expressed as a simple annual percentage. Mind, that this is not the note rate on your loan. APR is a special value created according to a government formula intended to reflect the true annual cost of borrowing, expressed as a percentage. The APR on a credit card can vary due to several things. If you have a good or excellent score, you will probably be offered a card with a low APR. However, if you are applying for your first card or have a bad credit history, your APR will be much higher. The rates may vary from a 3 percent rate to upwards of 21 percent. When you apply for a credit card you must read all the details carefully because the APR on each card can be figured differently. Some credit card companies offer a fixed interest rate, which means your APR may change, but only with a specified number of days notice. Other cards have variable interest rates which change depending on the state of rates in general. So, comparing the APRs before applying for a card is very important as it can help you to save a lot of money. All the best, Manager of Immediate Credit Card Care Service |
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User Name:
SHAHNEZ SHEIKH |
Date:
May 31, 2007, 9:25 pm |
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I AM A BUSINESS OWNER |
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Answer:
Our website gives you an opportunity to compare business credit deals fitting your special needs and financial plans. At the moment banks present a great variety of online applications for small new businesses. Choose the best business offers, which will let you control your employees' spending, raise your bank credit limits and provide discounts and bonuses for business expenditures. Among the best online business deals, presented at our site, you can find best offers from the USA top companies and banks - Visa®, MasterCard®, American Express® and others. The best business offers introduced are bank products issued mostly for good-to-excellent score owners, requiring financial discipline and responsibility to apply for them. So, before you apply online for the best business offers, make sure your report doesn't contain bad score or no marks at all. Read the information about each business card offered, choose one that suits you most and submit an application online. All the best, Manager of Immediate Credit Card Care Service |
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User Name:
Charles E. Carroll Jr. |
Date:
June 4, 2007, 12:57 pm |
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My name is Charles E. Carroll Jr. All of my life, I've tried to avoid the aggrivation of credit debts by not putting myself in the position of having alot of bills. This worked for me for a while. However, in these days and time, credit seems to be very important so I took the liberty of appllying for several unsecured credit cards. Because of my credit history (having no credit), I found myself being denied time after time. Please! tell me what I can do to rectify this situation. |
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Answer:
First of all it is not a good idea to apply for many cards, because if you are not eligible for them you’ll be denied, and each denial hurts your credit history which in turn reduces your chances of being approved. It is a vicious circle. That’s why it would be better to stop and to choose one card that will suit your needs and your current score. At the moment many banks, such as Columbus, Dakota, First PREMIER, Millennium and Orchard, offer cards for those who have no credit. On our site you can turn to the page devoted to such cards. Read and fully understand all the information about each card, compare the present deals and choose one that suits your requirements. Besides, you can apply for a secured credit card. To obtain it you will have to deposit some money to ensure your ability to pay. Another way to build up your credit is to become an authorized user of somebody’s one or several cards. In this case you will not get the status of a cardholder but all the information concerning the usage of cards (both positive and negative) will certainly be reflected in your report. Finally you can draw a co-signer with good score that is a person who will be responsible if you do not pay your bills on time. If you use the cards lightly and make all the payments on time it will affect your credit in a positive way and in time you’ll become eligible for the best cards. All the best, Manager of Immediate Credit Card Care Service |
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User Name:
darren bohanon |
Date:
June 5, 2007, 12:11 pm |
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were do i find credit card balance transfers to 1-2 cards i have 5 |
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Answer:
If you are eager to consolidate your debt on one card a transfer of balance can be a fine way to work it out. There is a certain type of credit cards – the so-called balance transfer cards – that will allow you to implement that. Balance transfer implies reallocating your debt from high rate card to a better one. It's often used to reduce debt and save money, because the majority of lenders offer no annual fee and 0% APR on balance transfers for new customers. On our website you can find the best balance transfer applications that will help you solve the problem of debt. So, look through the section devoted to such deals, read all the information concerning each of them, compare all the options and choose the card that complies with your requirements. Then fill the application and submit it online. However you should keep in mind that these cards are designed mainly for people with good or excellent credit history, so request your report and learn your score before applying for a card. All the best, Manager of Immediate Credit Card Care Service |
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User Name:
Denise Neil |
Date:
June 9, 2007, 9:57 am |
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I am looking for a card that has 0% on balance transfers for 12 months. Does that also mean that there is no transaction fees associated with the balance that is getting transfered? |
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Answer:
A credit card balance transfer implies reallocating your debt from high rate card to a better one. It's often used to save money, because the majority of credit companies offer no annual fee and 0% APR on balance transfers for new customers. Besides, it is also possible to consolidate debt from more than one card. Mind that these cards are created primarily for people with good or excellent history, so request your report before applying for a card. Check it for any mistakes and if you find any correct them immediately. Learn your credit score. If it is above 660 you are certainly eligible for one of the 0% balance transfer cards. At our site you can find the best balance transfer cards applications that will help you solve the problem of debt. Their terms differ, and it is only up to you to decide which offer suits you most. For example, Discover® Card offers 0% on balance transfers for 12 months and Blue from American Express® and American Express IN:NYC charge no balance transfer fees. Compare all 0% balance transfer cards options properly, fill the application and submit it online. All the best, Manager of Immediate Credit Card Care Service |
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User Name:
Julia Rodriguez |
Date:
June 13, 2007, 6:44 pm |
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I never had a credit card but my credit isn't really that good is it possiable for me to get a credit for 1,500to2,000 credit line? |
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Answer:
The credit limit is the maximum amount of money you may charge on your credit card. This limit is generally determined by your credit risk. It largely depends on the terms of your card and may be changed according to your credit history. So, you seen it is quite difficult to say for sure what your potential limit will be. If you prove to be a good credit payer, you'll be given a higher limit. That's why before applying for a card consider your credit report and estimate your financial state. If your score is not that good, your limit will not be very high (perhaps several hundred dollars). But keep in mind that the limit is not a constant value; it may change as your score changes. And it may not only go up, but also go considerably down. That's why if you want the higher limit you must use your credit lightly, pay all the bills on time and keep your score as high as possible. In this case you'll be able to apply for the best credit cards with the highest limits. All the best, Manager of Immediate Credit Card Care Service |
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User Name:
charlie |
Date:
June 16, 2007, 12:06 am |
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my credit score is 627 is there any one that would let me transfer my balances over. one card is 1200.00 ,one is 350.00 ,the other is 800.00 |
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Answer:
A credit card balance transfer implies reallocating your debt from high rate card to a better one. It's often used to save money, because the majority of credit card companies offer no annual fee and 0% APR on balance transfers for a period from 6 to 15 months. Moreover, it is also possible to consolidate balances from more than one card. The best balance transfer deals are available only for those whose score is either good or excellent. Your score does not fall into one of these categories. It amounts to 627 that means your credit is fair. Still, even if your score is yet not high enough that does not mean you can’t make a transfer of balance. There are cards for people with fair credit that permit to accomplish balance transfers. Pay your attention, for instance, to the Capital One® Standard Platinum or Capital One® Platinum. These are the cards for the people who want to improve their history. They offer no introductory period with 0% APR, nevertheless the balance transfer is possible. Read all the information concerning these cards and if they comply with your requirements apply for one of them online. All the best, Manager of Immediate Credit Card Care Service |
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User Name:
Jerry Crockett |
Date:
June 16, 2007, 2:54 am |
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I have a valid credit card but not that much credit can i still be approved for one of your cards other than a prepaid one? |
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Answer:
The most important factor that determines whether you are able to receive a card or not is your credit history and your current score. So before submitting an application request your reports from all three bureaus – Experian, Equifax and TransUnion – and learn which type of cards you are eligible for. If you use your existent card lightly and pay all the bills on time your score won’t be low. However if your score is below 620 you will only be approved either for secured cards or for ones for bad credit. With secured card you will have to deposit money into a bank account to ensure your ability to pay. If you don’t wish to deposit anything, pay your attention to deals for bad score. Consider all the variants carefully and choose the one that suits you most. All the best, Manager of Immediate Credit Card Care Service |
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