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NB: Please do not indicate such private financial data as numbers of your credit or debit accounts, your SSN in your question.
By clicking the “Send” button you agree to our Terms and Conditions. Displaying 20 to 30 (of 92 questions)
Page: 3 of 10 User Name:
thomas j boretskiDate: November 23, 2006, 5:52 am I would like to know why my interest rate is so high/19.99%. Can I gat a lower apr if not I will have to do a balance transfer to my other credit card.
Answer:
If you want to lower your APR, you can ask your bank to do it for you, on condition that you have been accurately paying off your debt and have been a cardholder of this bank for a considerable period of time. Usually bad credit card offers have high APR, but might have improved your credit and now worth having a lower one.
Good luck, Manager of Immediate Credit Card Care Service User Name:
Percita MooreDate: November 24, 2006, 3:19 pm I want to ask for a credit line increase on my cards but they are about 6 months old. Is that too soon?
Answer:
Well, it depends on terms and conditions of a certain credit card. To clear out the question, please contact the customer's service of your bank and find whether or not they can allow you the increase.
Good luck, Manager of Immediate Credit Card Care Service. User Name:
yvonne anestinDate: November 25, 2006, 7:10 pm i have no credit i want to open my credit , aployed for many credit cards i turn down they i.m not aproved at this time
Answer:
Maybe you are applying for the wrong credit card. There are some cases when you can be denied a credit if you choose an unproper credit card. If you have never had a credit before, then the most suitable card to get is a secured credit card or a store credit card. Applying for them, you have more chances to be approved. If you have no credit as a result of bankruptcy, there also certain cards issued by certain banks (Orchard, First Premier Bank)to apply for. So,apply for the right credit card. If you don't, you can be denied and it will affect your credit history on the whole.
Good luck, Manager of Immediate Credit Card Care Service. User Name:
consueloDate: November 27, 2006, 4:57 am why is it that you can't give me a cridet card. i have nothing to do with what my ex-husband did. do's this afect my abelity to get the cridet that i need. thank you for your time.sincerly Consuelo Gamboa
Answer:
When you apply for a credit card, your creditors want to know your creditworthiness, that is your ability and willingness to repay in full and on time. They may inquire about your job, income, social status and even your place of living. If they deny you a credit, there must be sovething in your personal data that discourages them. So, maybe it's not your husband that affects your ability to get credit but some negative information in your credit file. Talk to creditors and find what is wrong.
Best wishes, Manager of Immediate Credit Card Care Service. User Name:
jamzDate: November 28, 2006, 2:02 am Does credit counseling services lower credit score? Do they really help people lower credit card rate? Whats the pros and cons about it?
Answer:
Credit counseling really damages your credit, and they may help you to lower your APR and reduce the amount of payments, but they all need to earn money for their help, so it is not the easiest way to solve your credit problems. If you really in trouble and have no other way out, you can apply for such kind of help, but if there's an alternative, avoid them.
Best, Manager of Immediate Credit Card Care Service User Name:
J. Michele AldayDate: November 29, 2006, 6:38 am Are there any credit cards with $5000.00 to $1000.00 limits given to people with poor credit
Answer:
Actually, the credit limit depends not only on your credit score, but also on your annual income, so the credit limit of the credit card is set by the bank for you personally, depending on several factors.
Best, Manager of Immediate Credit Card Care Service User Name:
Andrea GarciaDate: November 30, 2006, 12:06 am I was sent a Exxon/Mobil cash card for $20.00. Can I also use this card at a Texaco, BP, Shell, or Chevron location? The closest Exxon/Mobil gas station is over 200 miles away from where I live.
Answer:
It is the bank isuuer of the credit card that should have provided you with this information. I guess, you can't use the card at other places, as it is co-branded with Exxon/Mobil. But you should still ask the bank. If the credit card was pre-approved, you can deny it, if you applied for it the cancellation will damage your credit.
Best, Manager of Immediate Credit Card Care Service User Name:
Mary FiggattDate: November 30, 2006, 4:54 am I have been trying to get ahold of you people for a very long time now. You people have taken $149.95 out of my checking account and I want it NO I need it back. I have been telling you people this and you still take it out anyway. I am overdrawn and you told me that this was free and you lied... Now I want my money back now PLEASE!!!!!!
Answer:
We only provide information on the credit card offers from
the banks and help the customers to choose the right credit card, making it convenient to look through details and compare the offers. We do not give any contact information of the banks and credit card companies and have no access to the customers' private information and application status. So, you should immediately apply to your bank and investigate this case. Best of luck, Manager of Immediate Credit Card Care Service User Name:
Shawn BoeckmanDate: November 30, 2006, 11:40 pm Is there a way to know which credit bureau\'s the credit card companies pull from when you apply for a card? Which credit cards pull Transunion and which pull all three? I know my transunion score is much higher and I have a providian card that I know they use Transunion and I got a great card from them a few years ago. Is there any other company that uses Transunion?
Answer:
You can either ask the bank about it or surf the Internet for this kind of information. It is very important to keep your credit reports identical, so you should add the missing items to the reports that lack them, and remove the incorrect informaiton wherever it is. Thus you'll never have to worry about your such things.
And one more thing. Some banks pull all three credit reports but base their decision on the worst of the three. Best, Manager of Immediate Credit Card Care Service User Name:
TyDate: December 2, 2006, 9:22 pm I have a credit limit of $17,500 with bank of america, but my balance is around $9,500 I want to transfer that balance to a 0% interest credit card and close my bank of america card.
Answer:
If you credit history is good or excellent, you can apply for a balance transfer credit card presented at our site.
Best, Manager of Immediate Credit Card Care Service |
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