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By clicking the “Send” button you agree to our Terms and Conditions. Displaying 40 to 50 (of 92 questions)
Page: 5 of 10 Date:
December 21, 2006, 12:47 am i need a unsecured credit card to help buil my credit but i do not have a checking or savings account
Answer:
If you have no credit or very bad credit, you have no other option than applying for a secured credit card. In this case you will need to establish a bank account, so that you will have collateral for your credit card. If you have already started your credit, you can apply for an unsecured credit card which requires no collateral, that is, no bank account. Such credit card offers are mostly presented by First Premier bank, Orhcard bank or Capital One - banks that focus on customers with poor and limited credit history. Compare these credit cards and determine which of them will be better for your needs.
Best, Manager of Immediate Credit Card Care Service Date:
December 21, 2006, 1:03 am I am trying to rebuild my credit. I have had horrible credit in the past. I have paid off serveral items that was on my credit report. I have also opened an account with premier bank. (credit card, very low limit). I have been making small purchases on the card and paying it down by the due date each month. Paying it down meaning I get the balance back down to around $20 - $40. I am being told by someone that I may need to open another card and keep that card active and paid also in order to build my credit up. Along with paying my other bills ontime.
Please advise. If this is the case I would like to get one of the regular credit cards not the bad credit cards but I have not applied because I am scared I will be denied and this will drop my credit score even lower. Answer:
To increase your credit rating you need to apply for credit cards regularly, holding several of them concurrently. Besides, it is a matter of utter importance to pay them off on time making more than minimum payments every time. If you want to get a new credit card, you should check up your credit report, update it if needed, and remove all the incorrect items from it, if they happen to be there. Afetr that you should look through the credit card offers according to your credit history and score, and choose the one that fits you best of all. You should be scared to get denial, as it is impossible if you apply for a credit card you are eligible for.
Best, Manager of Immediate Credit Card Care Service Date:
December 21, 2006, 1:10 am Can you get balance transfer cards with bad credit
Answer:
If you want to get a balance transfer credit card, you should have good or excellent credit, according to terms&conditions of this type of credit cards. The matter is that the bank gives you an opportunity to remove the balance from higher-interest credit card onto a more profitable card, and it should cover the high risks such transaction presents. So, if your credit is bad, you are not so reliable as a customer with good credit, so the bank can't let you use such a high-risk credit card offer. The only thing you can do is to work on your credit to accumulate enough score to be eligible for a balance transfer credit card.
Best, Manager of Immediate Credit Card Care Service Date:
December 21, 2006, 1:26 am i recived a pre approved card offer in the mail and it directed me to your site but I cannot find the card .Its a platinum mastercard I belive from hsbc
Answer:
Well, you seem not to be sure about what credit card you have been approved for :-) Anyway, look at HSBC credit card offers one more time, maybe, you'll find this credit card. Generally, if you are preapproved and receive a letter saying that, it should also contain the certain addresses where you can go to accept and activate this credit card, and also it should inform you for how long this credit card offer is valid. Maybe, you can't find the credit card you were pre-approved for because the term of this credit offer has already expired. And, if any question arise, call the bank using the numbers given in the pre-approval letter.
Best, Manager of Immediate Credit Card Care Service Date:
December 21, 2006, 1:33 am I want to transfer a balance of ÂŁ4.500 from my present Master Card to one that will give me o% interest rate over the maximum time and will give me a low rate of interest on any other transaction's
Answer:
If you are interested in balance transfer credit cards, you can look them through and compare the terms&conditions at our site. But you should mind it that balance transfer credit cards require good and excellent credit history. Besides, if you look at the terms&conditions, you will see that the amount allowed to be transferred and the percentage rate that you'll have to pay for it, as well as other charges and fees, wholly depend on your credit score. Plus, it is the bank that determines these items after considering you credit score and history. So, check your credit report and make sure you are eligible for the credit card you want to receive.
Best, Manager of Immediate Credit Card Care Service Date:
January 19, 2007, 7:04 am What criteria do you have for marking the first credit card on the list as "our choice"? Do you have hard reasons or do you have a deal with that company? Thank you.
Answer:
Our specialists constantly monitor credit card market and analyze customers' preferences. So, when we collect credit card offers for sections, we choose one credit card which is the most popular among the customers. Thus we make a rating, placing the most popular credit card applications closer to the top of the list. So, we try to attract our customers' attention to the credit cards that have already gained recognition among others.
We do not agree on the marked credit cards with the banks issuing them. Best, Manager of Immediate Credit Card Care Service Date:
January 23, 2007, 7:13 am hi i live in montreal canada and i want to apply for a canadian credit card but i think that i have bad credit and i do not work , i am house wife .. can u find a credit card that i can apply for even if i do not work and have bad credit that can accept me ???
Answer:
Actually, we make credit card offers for foreign residents from Canada, UK and Belgium. However,
a customer must have a good credit history to get a credit card. Unfortunately, there are no Canadian credit cards for no credit. You'd better find Canadian credit cards offered by local banks, and may be the fact that you do not work won't be attracting for credit card companies. Sorry, we do not provide information on where to browse such credit card offers. All the best to you in the process of online credit card application! Best, Manager of Immediate Credit Card Care Service Date:
January 25, 2007, 5:50 am I am immigrant in canada. I have secured visa card.I never missuse that card but now when I want to increase the visa limit they demand for credit from credit beurau. now I came to know that I have no credit .can i apply for a new card.
Answer:
Unfirtunately, we do not provide Canadian credit card offers for customers with poor credit history. All the banks that deal with foreign residents require a good or excellent credit history. So you should improve your credit history before that and this process sometimes takes years. You can browse in the Internet and find some other credit card offers to reestablish credit history. Be cautious as too many inquiries are injurious for your credit report.
Be sure you qualify, and we in turn are always happy to receive your Canadian credit card application. Apply online and get a credit card! Find your low interest credit card offers! Best, Manager of Immediate Credit Card Care Service Date:
February 1, 2007, 3:42 am My credit score was 662 a year ago this June, now it ranges between 529-555. I do not have any major credit cards, only department store cards (3). I am trying to build my credit, can you help?
Answer:
If earlier your credit history was fair to good, now according to our table of credit scores, it is poor. Store credit cards may be useful when they provide credit reports to major credit bureaus. However, when you apply online for such credit cards, your credit score loses 20 points. As for now, you can apply online for bad credit card offers. This may probably be a secured credit card or an unsecured credit card. A secured credit card will require putting an amount on to a bank account and the credit limit will depend on the amount. An unsecured credit card offers better rates and higher credit limits. Apply online at our website and get your portion of credit improvement!
Best, Manager of Immediate Credit Card Care Service Date:
February 20, 2007, 12:57 am Can you tell me what my credit score is, is it considered good, bad, etc. I am looking for a card with a low apr and will take their minimum from my checking account and thereby I will never be late. At the same time I want to mail in a monthly payment to cover the purchases.
Answer:
You can check your credit history, applying for either online credit report or common credit report to a credit bureau. When you are informed about your credit score, corresponding to a certain type of credit history, you’ll be able to determine, what credit card you can afford to meet your needs in the best way. At our site you are welcome to look through low APR credit card offers, many of which include rewards and rebates programs ( mostly for good credit customers) and offer various bonus points when you purchasing with the card. The choice of credit card offers is rather extensive. Just check your credit score, determine your needs and make your choice.
Best, Manager of Immediate Credit Card Care Service |
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