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Displaying 90 to 100 (of 103 questions)
Page:   10 of 11
Date:
February 18, 2008, 3:08 am

If I have bad credit how can I get approved for a credit card ?

Answer:

If you have poor credit you can qualify only for bad credit cards. There are bad credit cards with guaranteed approval. Centennial Gold Visa/Mastercard by First PREMIER Bank for example. But such card will probably have less than perfect terms and rates. It's ok, because it is a step to improving your credit rating. You will get rather small credit line. But if you make all the payments responsibly, they'll usually raise it in several months. The bank reports to all credit bureaus, so you are building your score and your future. Don't hesitate and apply online.

Date:
February 18, 2008, 3:08 am

how can i re establish credit

Answer:

If your credit is not good and you are eager to reestablish it, you should follow some necessary recommendations. First of all request you credit report and check it for any mistakes. It is recommended that you do it regularly. Learn your current credit score. It will be better if you request the score from each of three credit reporting agencies, such as Equifax, Experian and TransUnion. Missing your payments will negatively affect your credit history, so do your best to make all the payments exactly on time. If you have a bad credit history, you should minimize the amount of inquiries on your credit report and open new accounts only if you need them, Besides, try to keep your balance as low as possible. Don't forget to use the old cards because in other case the data will not be updated. All these recommendations will allow you to establish a positive credit history and in time you'll be able to apply for the good credit offers.

Date:
February 18, 2008, 3:08 am

how can I get a credit card that not so good credit discarge brankrucpty

Answer:

Nowadays, credit is available to the recently bankrupt. Negative information, especially that of bankruptcy, may stay on your credit report for almost 10 years but that does not mean that you are not eligible for a credit card. It may be more expensive than before, and available with lower limits. A secured credit card is a good way to establish a history after bankruptcy and it is generally offered with lower rates than unsecured cards. Rebuilding credit worthiness depends on the usage of the card. If you use it carefully and pay off your bills on time, you'll benefit from cards for bad credit. Mind that before applying for the card, it's necessary to get your credit report first and correct any mistakes in case you find them. Then, you're welcome to compare the best no credit cards or secured cards, presented at our website and apply for the one that satisfies your needs.

Date:
February 18, 2008, 3:08 am

Is there a way to STOP mail solicitation for pre approved credit cards?

Answer:

Since mail solicitations is an acute problem today, there are ways to get rid of them. You can apply to the credit bureau and ask them to prevent your credit information from presceening. You will have to fill out a form giving your personal data. Another way for opting out is calling a toll-free number (you can find them via internet search)and submit your application by phone. Mind it, your application will be conidered (which will take some time) and after that you will stop receiving pre-approvals. Do not send back or throw out the solicitations, as thus somebody can get access to your personal data. For more information, you can read the article on facing credit card pre-approvals at the site of our partners.

Date:
February 18, 2008, 3:08 am

Ihave bad credit my score is 440 how culd i apply for a credit card

Answer:

Sure there are cards for people with bad credit. If you want to improve your credit score, you need to apply for one of them. Consider that your bad credit card will have lower credit limit (around $300) and not perfect interest rates. In several months, if you pay your bills on time, they will raise your credit line and offer you better terms. We recommend you to start with Centennial Gold MasterCard/Visa by First PREMIER Bank. The approval for this card is guaranteed and it has low APR on purchases.

Date:
February 18, 2008, 3:08 am

We will be in Europe for about five weeks in Sept. & Oct. Is there any way to avoid those additional fees (usually 3%) charged by credit card companies each time I use my card?

Answer:

Well, usually, foreign exchange fees are fixed and cannot be cancelled. So, when you go abroad, you will inevitably be charged those 3% for exchaging the currency. But if you have a good or excellent credit history and a high credit score, you can think of applying for the American Express Blue Card which offers you only 2% of foreign exchange rate. Welcome to our site and look through the other credit cards presented which suggest a foreign exchange fee at as low a rate as 2% and save more money when travelling. Best, Manager of Immediate Credit Card Care Service

Date:
February 18, 2008, 3:08 am

If my credit is bad how can I get approved for a credit card ?

Answer:

You can get approved for a bad credit card. Some banks issue them to help people to rebuild their credit history. It is a rather high risk for a bank, so they will offer you not the best terms first. They will give you a credit limit of around $300 and higher interest rates. If you are a responsible cardholder and pay your bills on time, they will probably offer you better terms and raise your credit limit in several months. We recommend you to pay your attention to the bad credit deals by First PREMIER Bank. Apply online and improve your credit rating.

Date:
February 18, 2008, 3:08 am

I have no credit history..which credit card do you recommend for me?

Answer:

You should start building your credit with choosing the right card. Among the banks that offer deals for no credit history there is First PREMIER. They help you to establish your credit history by sending information to credit bureaus. If you pay your bills on time and show responsible financial behaviour, in future you will be able to get a better card. We recommend Centennial Gold MasterCard/Visa Card. It has low APR on purchases and guaranteed approval. It's a perfect first step to building your credit rating.

Date:
April 2, 2008, 2:28 am

How do I activate my mastercard? How do I register to manage my account online?

Answer:

This website was designed to provide information only. We don't issue or service credit cards. Unfortunately, we don't provide online credit card account management service. You can address all the questions about your account to the bank, who issued your card. Contact the bank or visit their website.

Date:
April 3, 2008, 8:03 am

i have no credit and would like to use a cosigner

Answer:

You can apply for a credit card with a co-signer. All good credit cards allow to co-sign for someone. But you can't apply with a co-signer online. This is how it works: a person with a good credit history (co-signer) applies online for any credit card for good credit. He gets approved, calls the bank and says he would like to add someone to his account. He has to tell Social Security Number of that person. Then the co-signer gets a statement by mail. Both of you should sign it and send back. You will be sharing an account and a credit limit with a co-signer. A person with bad credit will be building credit history by making on time payments, as his payment info will be sent to all credit bureaus every month.

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