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Date:Tracy January 30, 2007, 7:40 pm  Current credit score is 619.......interested in a decent credit card.....which would you recommend? My credit score is around 560 or 580. Can you be approve for a low apr and a little high credit limit? Answer: Your credit score corresponds to a poor (bad) credit history. So, the cards you can apply for are meant for a poor credit. Some of the banks and credit card companies (for instance, Orchard bank and First Premier Bank) offer credit card applications for bad credit cards, and provide monthly report to 4 credit bureaus. If you have a poor credit, you will not qualify for high credit limit or low APR financing as these rates are reserved for those with the best credit ratings. Your choice of the credit card may depend on the purposes, for which you are going to use the card, the benefits you’d like to take advantage of, your spending habits and some other factors. We advise you to look through poor credit card applications at our site and compare the options of the credit cards available. It’s only you who knows best, what credit card can meet your needs. But even if your credit history is poor, you can get a guaranteed approval for a credit card you profess to. In case you qualify for a poor credit card by First Premier bank, you can obtain an instant approval for your credit card. So, for the time being decent credit cards for you are guaranteed approval cards and insatnt approval cards, as well as secured credit card for sure. Examine the terms and conditions of poor credit cards to make the right financial decision. But if you’d like to get a more decent credit card than just a poor credit card, you need to improve your credit history. For this purpose, you are to apply for one of our secured credit cards coinciding with your credit score. You can also ask a relative or a friend with a good credit history to be your co-signer. He or she applies for a good credit card, signs you up as a co-borrower and you pay off the credit on more beneficial terms, and accumulate credit points, but he/she is responsible for this credit as well. User Name:
Date:Soumaly January 30, 2007, 7:51 pm Is there such a thing as a Credit Correction? If so, Do they have services for people like me; who has bad credit? Answer: To tell the truth, we are aimed at helping you to compare credit card offers from the top US banks like HSBC bank or Advanta bank and credit card companies and give you the necessary information to understand the terms and conditions that modern credit cards have to offer, to manage your personal financial affairs. Such a service as Credit Correction does exist. And if you possess a bad credit, you can make use of such a service. If you’ve found inaccurate information in your credit report, here’s all the information you’ll need to make the corrections. But everything that a "credit correction" service can do, you can do yourself. Like dispute wrong things on your credit report ...etc. You see, unfortunately even those Consumer credit counseling services will work with helping you get your debt down, this does not stop the creditors from slapping your credit report with negative points and it doesn't help your FICO in anyway, and in fact, hurts it. That’s why it’s better to do it on your own. First thing of course would be to cut up the credit cards and make a commitment to never charge again. Then, we can recommend you to make the list of all your debts by amount you owe from the smallest to largest. Then begin by paying the "most" amount you can each month to the smallest debt with the idea of paying it off quick. Then, only pay the minimum payment on the larger debts. Continue doing this every month until you have the smallest one paid off. Every time you pay off the debt, call the company and tell them to close the account. Credit correction agencies basically dispute negative items on your report, it's illegal to dispute correct information but that's what they do and you can do it yourself from home. User Name:
Date:Marti Cicco January 31, 2007, 4:21 am Lost card Answer: The first step you should undertake is to report the loss of your credit card to the credit card issuer as quickly as possible. Usually banks have toll-free numbers and 24-hour service to deal with such emergencies. Secondly, it`s a good idea to follow up your phone calls with a letter. Include therein your account number, when you noticed your card was missing, and the date you first reported the loss. After that you should review your billing statements carefully. If they show any unauthorized charges, you should inform your card issuer about it with the letter. Again, tell the card issuer the date your card was lost or stolen, or when you first noticed unauthorized charges, and when you first reported the problem to them. Your maximum liability under federal law for unauthorized use of your credit card is $50. If you report the loss before your credit cards are used, the card issuer cannot hold you responsible for any unauthorized charges. If you card was stolen, and a thief uses your card before you report it missing, the most you will owe for unauthorized charges is $50. Also, if the loss involves your credit card number, but not the card itself, you have no liability for unauthorized use. Once you decide to apply online for credit card again, take into consideration the best credit cards offer 0 liability for lost or stolen card! User Name:
Date:raymond heldman January 31, 2007, 4:23 am why is it so hard to get youre cards i have paid cash for over 40 years and now i want to establish some credit can you help me Answer: If you've never had any credit, it means that you have no credit history. Therefore you can scarcely apply for one of the best credit cards with the most profitable terms, low rates and other inviting conditions. The thing you can do to establish your credit is to apply for one of bad/no credit cards.You can regard secured credit cards, for example, Orchard bank secured card or New Millennium bank platinum credit card, demanding security deposit, which determines the size of your credit line, or you can consider unsecured credit card applications, offered by First PREMIER bank and Orchard bank as well. Just think, what credit card will be the most convenient for you and apply online for it with us! User Name:
Date:peggy aubrecht February 2, 2007, 10:54 am WHAT IS THE CREDIT CARD AMOUNT AND WHEN CAN I START IT. Answer: We cannot offer you a clear explanation of that as we do not know what exactly credit card you've got. In fact, the credit limit you are eligible for is determined by your creditors based on your credit repaying history, current credit score and your general creditworthiness. When you apply for a credit card and get approved, you receive a statement of your approval where the credit limit and the activation date are indicated. So, look through the statement letter more carefully and if it is not reflected there, contact with your bank and clear out the question. Best, Manager of Immediate Credit Card Care Service User Name:
Date:Cristina Trujillo February 9, 2007, 4:19 am I had a charge off, which was paid off on June 7, 2006 how long will it take to come off my credit report? Answer: If you had a charge off, it means that your credit is damaged. Still,there's a way out! First and foremost, you are to get in touch with credit bureaus (Transunion, Equifax and Experian)in order to check your debt information. These credit agencies will be able to tell you when your credit report comes off. But before that, no to run risks,we advise you to apply online for credit cards like bad credit cards or secure credit cards at better-credit.com to improve your credit. Best, Manager of Immediate Credit Card Care Service User Name:
Date:Cody Prince February 15, 2007, 4:22 am How long does negative credit stay on my record? Answer: Well, it depends on the type of your credit (whether it is no credit - credit score of 0-349, bad credit - credit score of 350-619 or fair credit - the score of 620-659, which is the more preferable one, close to positive credit). If you have no credit history, you can start with secured credit cards, then continue with bad credit card offers, succeed with credit cards for fair credit and, in the future, pretend to best credit cards available. You are welcome to choose credit card to improve your credit history. The time negative credit will be in your record is determined by the credit delinquency, you’ve done. If it’s the case of bankruptcy – bad credit card is the only alternative, you can count on. As we don’t have a clear picture of your situation, we advise you to look through no credit cards, bad credit cards and fair credit cards to choose the appropriate credit card and then clear up all the moments with the credit company or bank, that issues this card. Best, Manager of Immediate Credit Card Care Service User Name:
Date:Danute Ceika February 16, 2007, 4:37 am Hello, I am an international student here in U.S. and I have been tryind to get a credit card, but I find it impossible because I have no credit history. I can not get a student credit card because I am not a U.S. citizen. It looks like my only option is to get a secured card. Is there any other ways to build a credit history without getting a secured card? Thank you, Danute Ceika Answer: Luckily, there is a way out for you. So, one of the easiest ways to establish your credit is to have a co-signer who is a US citizen already has a good credit history and who will assist you in obtaining a credit card. If you are fortunate enough to have such a person in your life you are well on your way to establishing credit. Be aware that any default of credit on your part affects the credit of the co-signer. Please, look through our good credit cards to choose the one in accordance with your credit score. Once you receive your credit card, with the assistance of a co-signer, you can use it to make charges and of course to make payments on or before the due date. In time you will have established a credit history. If possible you should payoff the debt in full when the first bill arrives, but not before. Please note, completion of the full billing cycle is important for a "pays on time" report to be made to the credit bureaus. Continue to purchase with your credit card and make payments on time until you no longer need a co-signer at which point your credit history will be established. At this point you should obtain a credit card using only your credit and cancel the credit card with the co-signer. User Name:
Date:Alphonsa Ward February 16, 2007, 6:37 am I had file a chapter 13.six years ago. I was finish with it in 2003. My credit report says my score is fair. What card should I appy for. Answer: Since your credit report confirms that your credit history is fair, the most appropriate choice for you is one of fair credit cards. Nowadays many banks specialize in credit repairing and issue credit cards for fair credit applicants. Thus, you can compare credit card applications from Orchard bank, First PREMIER bank and Capital One bank and choose one, complying with your personal needs best of all. Bear in mind, that modern fair credit card deals offer pretty inviting terms! Some of them even provide rewards and cash back, and the majority of the cards ensure credit line increasing. All you need is just to pick up fair credit card applicable and apply for it online! Best, Manager of Immediate Credit Card Care Service User Name:
Date:Carol J Hanna March 7, 2007, 5:31 am I'm attempting to make an on-line payment to my account! Answer: If you are eager to make an online payment, you should make sure if your bank has online banking service. To go to the official site of your bank, you can use our site: find the cards of your bank at our site, click the link "Apply" by any credit card to be directed to the official site of your bank. Using the links, find the registration page at the site and fill out the registration form. After that you will be able to make payments, check your credit card balance etc without worrying, as sites nowadays use security systems to protect the personal information of the customers. |
