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February 8, 2007, 5:08 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 February 14, 2007, 3:46 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 February 28, 2007, 7:52 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. March 7, 2007, 1:45 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. March 27, 2007, 3:58 am How do I receive my statements by email? Answer: By choosing to receive your statement and disclosures electronically you accept that you will not receive a paper copy of your statement or any disclosures to your account. Unfortunately, we can not give you the exact answer, because you can get this information only at the bank you applied to. We advise you to call the customer service of the bank and clear out if you can receive your statement by email or not. Also its customer service managers are supposed to answer all of your questions concerning your credit card, accounts and so on. You can find more detailed information about banks and best credit cards they offer at our site. April 5, 2007, 1:32 pm call us now you took are money and we dont have the card you never answer your phones we waited 45 min and know one ever picks up Answer: Honestly the purpose of our website is to provide the credit card applicants with up-to-date information and present online credit card applications for all categories of consumers and all spending habits. We do not issue credit cards, as well as we do not approve applicants for them. What we do is providing you safe links to a credit card company`s website. More than that, we personally don`t have access to your accounts, or your credit report, as well as we can`t take out or put money on your account or enter any kind of data into your credit history. Therefore, if something went wrong with your account or credit report, or you didn?t receive your approved credit card, this might have been the bank's mistake or something of the kind, so, apply to the entities as soon as possible to clear out the situation. April 5, 2007, 1:35 pm 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! April 26, 2007, 6:09 am Lack of a phone number makes it difficult for me to cancel my account. I do not recall ever having an account yet you appear on my credit report Please send confirmation. I will provide after you have provided a phone number Answer: To tell you the truth, our website's function is to provide the people with up-to-date information about bank credit cards available. We do keep pace with time and try to overlook herein online credit card applications, featuring credit cards for all categories of consumers. We personally don't have access to your accounts, or your credit report, as well as we can't take out or put money on your account or enter any kind of data into your credit history report. All these procedures are beyond our competence. Therefore, if something went wrong with your account or credit report, this might have been the bank's or a credit bureau's mistake or something of the kind, so, apply to these entities as soon as possible to clear out the situation. April 26, 2007, 6:14 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! April 27, 2007, 12:05 am I applied for a signature visa on line and was accepted - I would like to know the credit card number or at least the first 6 digits of the credit card number so I can use it as a password to purchase concert tickets early. Can someone provide me with this info or give me a phone number to call for this new visa signature card? Thank you. Answer: We are not a bank and don't have any access to the personal information such as credit card numbers or accounts. We just provide people with the detailed information about credit cards from the leading banks of the USA, the UK, Canada and Belgium. We help our customers to choose the card that suits their needs and credit abilities. You had better contact the bank whose credit card you have obtained and ask them to send you statements. You can also look through the official site of the bank and get all necessary information, concerning your credit card number, there. At the site of your bank you can apply for a credit card number. |
