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Displaying 60 to 70 (of 103 questions)
Page:   7 of 11
Date:
May 23, 2007, 12:29 am

I just received an alert that WFNNB/ANN TAYLOR has posted a credit inquiry. I have not applied for a credit card and I was recently notified that my identity may have been compromised when a computer disk was stolen from our local community college. I would appreciate your explaining to me why you inquired as regards my credit. Thanks you.

Answer:

First of all, I must assure you we have not made any inquiry on your credit report due to several reasons: we are not credit card issuer, so we have no access to your personal information (as you click 'Apply" at our site, you are directed to the official site of the bank and you leave your info there).What kind of inquiry it was? If a soft one, that means your credit report is open for companies which send unsolicited credit offers. If a hard one, this can speak of identity theft, as someone made an application for credit in your name. You should make quick actions to block access to your credit report and report of identity theft, if it took place. All the best, Manager of Immediate Credit Card Care Service

Date:
May 27, 2007, 10:12 am

My friend is working full time and paying taxes with a ITIN. He has no credit history and would like to open a credit card in order to establish some credit history, however, he has been declined because he has no social security number. He is in the process of getting one (maybe one and half years from now) as a relative has filed papers to sponsor him. Please advise as to where to apply and any other advice you may find useful. Thanks.

Answer:

If you look through an application form of any credit card, you will see ALL of them require social security number. Having SSN means you are officially registered in the US and the bank can issue a card to you and be more or less sure you will pay it off. There are banks though that issue cards for non-residents and those without SSN, but these are rare exceptions. To be able to start building his credit history, one should have SSN, after which he can apply for a secured credit card or other card for bad/no credit. All the best, Manager of Immediate Credit Card Care Service

Date:
May 28, 2007, 2:00 pm

I'm trying to help my wife establish her credit. Equifax has her fico score at 600, but the other two do not provide scores due to no credit history. I would help her, but i'm also trying to get my credit established. She has an income of 50k, so that's isn't an issue. Chase has declined her.
Plese recommend a card, hopefully one with a limit above the $300 and high annual fees like orchard or first premier.
Thanks,

Answer:

In fact you are looking in the right direction. The credit score of your wife is the leading factor that must be taken into account. So, if her score is 600 it falls into the "poor credit" category. No wonder that she was denied by Chase, as it offers cards only for those whose score is either good or excellent. It is extremely important to apply only for the cards she is eligible for, in order not to damage her score (to avoid denials). Today many banks, such as Columbus, Dakota, First PREMIER, Millennium and Orchard, offer deals for bad credit. You are welcome to compare the present offers and choose one that will satisfy your needs. The credit limit will be rather low (a few hundred dollars probably), but if your wife will use the card properly it will gradually increase. All the best, Manager of Immediate Credit Card Care Service

Date:
May 29, 2007, 5:28 pm

yes i put in an application for a discover card. and i was approved but they want a utility bill or some kind of proof were i now live. i leased my home in wills point but i own a house in wylie which i am now living with my daughter in my home every thing is in her name because she has lived there for a while. and now even thow i quailify i will not recieve my discover card until i get a bill in my name and this is not right but you move and that just runs your credit i guess i have recieved my target and dillards card at my address in wylie so i would like to know what is fair about this just because you move when your husband deceased and you dont want to live alone

Answer:

Dear Mrs Tull,do not be so upset, as the requirement you faced is due to the company's policy and it is not addressed to you personally. Probably, you applied for a card that requires special proofs of income or ownership. If you still want to get the card, please contact customer support department of the bank and clear out the situation. Or you can apply for another bank's card which doesn't take information of the kind. Most banks are interested in your billing address and the fact of ownership or renting, without making any further investigations.All the best, Manager of Immediate Credit Card Care Service

Date:
May 30, 2007, 3:14 am

in order to have a active credit card does that mean that you have to put money on it first for it to work

Answer:

Not necessarily. On the contrary, the advantage of credit cards lies in the fact that they allow you to use the bank's money when you don't have your own. For this you have to pay an interest and sometimes several fees. Still, a credit card is a very popular and convenient financial tool because it permits to purchase without collecting money. There are many types of cards; the most general division is between secured and unsecured offers. With secured deals you will have to deposit a certain sum of money into the bank account to guarantee to the bank your ability to pay off in the future. The sum you deposit generally determines your credit limit. Unlike secured credit cards that require a deposit to the bank, unsecured credit cards don't demand to deposit anything. However unsecured cards for bad credit generally charge higher interest rates and fees. The initial credit limit is generally low; it'll increase gradually as long as you pay all the bills on time. The unsecured cards can be a helpful tool in rebuilding your credit, if you use them properly (make all the payments on time). Look through the page devoted to either secured deals or unsecured cards for bad credit and choose the card you like. Compare all of the terms and conditions attentively. Fill the application and wait for an approval. All the best, Manager of Immediate Credit Card Care Service

Date:
June 6, 2007, 5:53 am

I want to see my purchases for the last 6 months, Target ***2897

Answer:

You see, we don’t represent any particular bank or credit company; we neither give loans nor issue cards. Our website is only created to provide adequate and up-to-date information about various credit offers, including cards for excellent, good, fair, bad or no credit history. You are welcome to compare details about different cards and choose one of them according to your current credit score and your requirements. Besides, we render a service of application for the chosen card online, which is the safest and simplest way to get credit nowadays. However we do not possess any personal information, including the numbers of accounts and other financial data. To get such information, to learn your balance and other financial data you should turn to your bank. Many banks allow registered users to get information about their credit online. All the best, Manager of Immediate Credit Card Care Service

Date:
June 8, 2007, 11:31 pm

How do I activation number 550 480420887xxxx for my card on line?

Answer:

You see, we don’t represent any particular bank or credit company. We neither consider applications nor issue cards. Our web-site is only aimed at providing sufficient and adequate information about credit offers from various banks. You are welcome to look through the cards for excellent, good, fair, bad or no credit history. We are glad to present the data in detail and to help the customers to choose the card according to their credit score and their requirements. Besides, we render a service of online application for the chosen card. However we do not possess any personal information, including the numbers of accounts and other financial data. To learn your balance and other financial data you should turn to the official web-site of your bank and register there. Many banks allow registered users to get information about their credit online. All the best, Manager of Immediate Credit Card Care Service

Date:
June 14, 2007, 1:18 pm

I HAVE VERY BAD CREDIT AND HAVE LOW INCOME?

Answer:

Nowadays even if you have a very bad credit but are eager to raise your score there are some cards you can apply for. At the moment a number of banks, including Columbus, Dakota, First PREMIER, Millennium and Orchard, offer deals for bad credit. On our site turn to the page devoted to cards for bad credit. Read all the information about each card carefully, compare the present offers and choose one that suits your requirements. Another widespread tool to restore credit is to apply for one of the so-called secured credit cards. This card requires you to deposit certain sum to ensure your ability to pay off your potential debt.. After you’ve chosen the card you like just click “apply”, fill the required form and submit an application through our service. All the best, Manager of Immediate Credit Card Care Service

Date:
June 27, 2007, 11:11 pm

I have very bad credit and I would like to get credit again. What Should I do. I have little money I am on ssI and I don't get that much money a month.

Answer:

Even if your credit is bad and you are eager to raise your score there are some cards you can apply for. At the moment several issuers, such as Columbus, Dakota, First PREMIER, Millennium and Orchard, offer deals for bad credit. On our site turn to the page devoted to cards for bad credit. Consider all the information about each card, compare the present deals and choose one that suits your requirements. Another way to restore your credit is to apply for one of the so-called secured credit cards. This card requires you to deposit some sum to the bank account to ensure your ability to pay off in the future. The best secured cards are offered by Orchard, Millennium and MetaBank. The initial credit limit will generally be rather low; it'll increase gradually as long as you pay all the bills on time. Compare all of the terms and conditions attentively. After you’ve chosen the card fill the application and wait for an approval. All the best, Manager of Immediate Credit Card Care Service

Date:
July 9, 2007, 1:04 pm

how can i find out my credit score

Answer:

The only way to get your credit report is to contact one or all the major credit bureaus. You can do it by phone, via credit bureaus official websites (all of them have ones). You can also use the links from our site which lead to the latter. Remember, you have a right to get a free credit report once a year, for more reports they will charge you fees. Besides, you credit score as you look through different reports, can vary, as different credit reporting agencies can use different credit score calculating systems.All the best, Manager of Immediate Credit Card Care Service

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