Unfortunately, we don’t offer credit cards for 16-year-olds. But if it’s so important for you to have a credit card, you can do the following. If your parents or some of the relatives possess a credit card, one of them can order an additional credit card for you. He should turn to a bureau for the credit report to find out what card he is eligible for. Then he, may be together with you, can look through online credit card applications , presented at our site and choose the best one available. First it is advisable to read terms and conditions of the cards you are interested in to determine the options which you find more attractive and want to take advantage of. When approved, your parent or relative will be the cardholder, but you’ll be able to use the credit limit.

The period during which your credit information is updated depends on the bank issuer of your credit card and the way it reports to consumer reporting agencies. Some banks (especially those providing credit cards for limited credit) are in the habit of reporting to all credit bureaus each month, just as you make your monthly payments for the card. Others are not so accurate in making reports, so you have to wait until your report is updated or ask the bank to make the report. So, usually, your credit rating should start to grow the next month - with your first payment, but you are strongly recommended to contact the bank and ask about it, so that you will be able to estimate the state of things.

There are many fees and charges that may or may not be included in a given Annual Percentage Rate. For example, on a mortgage, APR might include Private Mortgage Insurance, processing fees and discount points. We do not calculate APR. Our site is used for making credit card application online and for presenting the best credit card offers. At our site we place best credit cards with APR already calculated by the banks. You would like to calculate APR? Call the bank or find the APR calculator online. The information about the lowest APR cards is also presented at our site.

If your application was approved, the bank would send you a statement. When you apply online for a credit card, the credit card issuer needs some time to consider your application, check your credit report and then make a credit decision. The time depends on the type of the credit card. It can take a couple of days, weeks or even a month. If your application was not approved, the bank must inform you about that. You should be waiting for some time and then call the customer service of the bank once more to clear out the situation. Also you can apply to another bank. At our site you can find the information about banks and bad credit card offers for people with a bad credit.

In the case of cancelling the application, you need to contact your credit institution directly. You see, at our website you can make a comparison of the best credit cards, choose the credit card complying with your needs and send your online application for the credit card to the bank. Then only the bank keeps your application. We do not have access to your personal information and account. So, apply to your credit institution and its managers help you. Also they are supposed to answer all of your questions concerning your credit card, accounts and so on.

It depends on the credit card you are going to apply for. At our site you can find the best credit card offers, providing balance transfers on credit cards. For example, Platinum Visa from Chase Bank has 3% balance transfer fee, IN:NYC Card from American Express has that of 0 %. To learn, what card can meet your needs, you'd better get acquainted with balance transfer credit card applications , compare some other options (no annual fee, foreign exchange service etc.) and choose the best one for your purposes.

Best,
Manager of Immediate Credit Card Care Service

To tell you the truth the purpose of our website is to inform the credit customers about up-to-date online bank credit card applications and present all required data for them to be able to compare credit cards online most effectively and choose a credit card, complying with their needs and corresponding to their credit score. Regretfully we are not provided with credit card issuers' contact information, therefore we can`t tell you the phone number you`re asking. Our suggestion is the following: just look at the back of your credit card, find there toll-free phone number of customer service and call them up. Another way is to access official website of the credit card issuer and find all contact data therein or contact their online customer service.

The function of our website is to present all kinds of bank credit cards for facilitating your choice of credit card application, complying with your personal needs and corresponding to your credit score. Also, we provide you respective assistance on credit card comparison to ensure the best choice. To tell you the truth, we do not issue credit cards, as well as we do not approve applicants for them. It`s not our prerogative to cancel your credit card or your account, and it`s beyond our competence to take any kind of payments or withdraw money you`re your bank account. Therefore, if something went wrong with your account or credit report or other things, having nothing to do with our regulations, we disclaim any responsibility for this, and you can make sure of it, reading our terms of use.

To tell you the truth the purpose of our website is to inform the credit customers about up-to-date online bank credit card applications and present all required data for them to be able to compare credit cards online most effectively and choose a credit card, complying with their needs and corresponding to their credit score. Regretfully we are not provided with credit card issuers' contact information, therefore we can`t tell you the phone numbers you`re asking. Our suggestion is the following: if you have a credit card from Citibank, just look at the back of the credit cards and you`re sure to find there toll-free phone numbers of customer service. Another way is to access official website of the credit card issuer and find all contact data therein or contact there online customer service.

If your credit score is bad, your primary task is to repair it. To transfer your credit cards? debt into one credit card, you should apply for one of balance transfer credit cards. Frankly speaking, American banks do not issue balance transfer cards for people with bad credit score. The exception is one of bad credit secured credit cards, namely, New Millennium Platinum Visa or Platinum MasterCard with the benefits of Platinum status: emergency cash transfers, free $150,000 accident insurance, free auto rental insurance, and free extended warranty protection. If your credit is close to fair, you can also try one of Capital One credit cards with balance transfer option, for instance, Capital One Platinum credit card, intended for people with limited credit.