Credit Card Advice
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Displaying 60 to 70 (of 100 questions)
Page: 7 of 10
Date:
May 30, 2007, 3:14 am
May 30, 2007, 3:14 am
i have a 572 on my equifax credit i just applyed for a credit card for people with bad credit and no credit and was denied why is that
Answer:
Getting a credit card today is really rather simple and safe process. However your chances of being approved depend largely on your credit risk. If your score is poor (572) the risk for the bank is rather high. That's why your report is checked more thoroughly. Thus, if you've decided to get a card you should choose carefully and apply only for those you are eligible for. The most important thing you should do is to request your reports from all three bureaus (not only one of them!). Check all of them for any mistakes or inaccuracies. If you find any, ask the bureaus to correct them as soon as possible. If the information in your report is inaccurate the bank may deny your application. Get to know your current scores. If your score is low (below 620) you can only apply for bad credit deals. Turn, for example, to offers from Columbus, Dakota, First PREMIER, Millennium or Orchard. Another way to improve your credit is to apply for one of secured credit cards. This card requires you to deposit some sum to ensure your ability to pay. It reduces the risk, that's why the lenders generally are more eager to issue such cards for people with poor score. 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 2, 2007, 12:00 pm
June 2, 2007, 12:00 pm
need e-mail address for horizon gold cards
Answer:
Horizon Gold Cards are in fact not credit cards, that's why we don't have them on our website. They are lines of credit for purchasing exclusively via their website. They can't be used for anything else. Horizon is neither bank institution nor card issuer. Besides, keep in mind that they do not report to any credit bureaus unless you miss your payments. So, they are absolutely useless in terms of building credit history or improving score. Moreover, the APR on this card is rather high - it may achieve 17%- and they charge various fees. On our website you can find best credit offers from the most reliable issuers. Here you are welcome to look through the cards for all types of history which offer more favorable terms and lower APR. All the best, Manager of Immediate Credit Card Care Service
Date:
June 5, 2007, 10:44 pm
June 5, 2007, 10:44 pm
I have a FICO score of 734. I'm having a hard time figuring out if this puts me in the excellent or just good category.. which is really important because I am trying to figure out if I'll get rejected from a driver's edge citibank rewards card if I applied. Any help would be appreciated.
Answer:
The credit score is of great importance as it by far determines your chances to get this or that card. It should be emphasized that it would be better if you request your score not from only one credit bureau, but from all three of them (Experian, Equifax and TransUnion). You see, the lenders tend to pay attention to the lowest score, not to the highest one. Theoretically your scores should be equal but in practice they may differ because the bureaus use slightly different methods of scoring and because not all companies report to all three agencies. If your lowest score amounts to 734 it falls into the “good” category (660-749). Excellent score is 750 and higher. Still your credit history is good which means that you are eligible for the best credit cards. All the best, Manager of Immediate Credit Card Care Service
Date:
June 8, 2007, 11:18 pm
June 8, 2007, 11:18 pm
i have poor bad credits and i was apply credit card i tired they are say unapprove and i am not happy be patient. i will pay back better improve dont mess up.
Answer:
First of all, keep in mind that too many applications won’t do any good, because every time you get a denial your score is further damaged, which in turn reduces your chances to get a loan. The most important thing is to apply only for the cards you are sure to be eligible for. We recommend you to request your credit report and check it for mistakes and inaccuracies. If you find any misleading information ask the bureaus to correct it immediately. If your credit is poor you must turn to the cards for bad credit. Look through the offers from Columbus, Dakota, First PREMIER, Millennium and Orchard. In addition you can consider the so-called secured cards. The banks are generally eager to provide them even if the history is bad, however to get one you will have to deposit money to ensure your ability to pay off. Read all the details about each card, compare the present offers and choose one that suits your requirements. Then submit an application online through our service. All the best, Manager of Immediate Credit Card Care Service
Date:
July 12, 2007, 3:14 pm
July 12, 2007, 3:14 pm
My nephew lives in Mexico and have bad credit. Can he still apply to get a credit card based in US?
Answer:
At the moment you on our website we present the best credit offers for the residents of the USA as well as the deals for the UK, Canada and Belgium. We are glad to render a service of online application for official residents of these countries. So, if your nephew is an official resident of the USA, even if he currently lives in Mexico, the present cards are available to him. The first thing is to choose the one he is eligible for. To do this, he should learn his current credit score. If it is below 620 he can apply for the bad credit cards, if it amounts to 620-659 he can turn to the fair credit cards, and if it is above 660 his score is considered good, that means he is able to obtain the best credit cards offered. So, he should turn to the appropriate category, read the information about each deal and choose one that he likes most. All the best, Manager of Immediate Credit Card Care Service
Date:
July 24, 2007, 3:11 pm
July 24, 2007, 3:11 pm
I recently recieved a mail offer from Capital One for a personal loan where you can pick your payment/length of loan up to 72mos. with a fixed interest rate of 6.99-10.99% depending on your credit report. It says there are no annual fees, no prepayment fees, etc. I can't find many good reviews for Capital One--this sounds like a nice plan, but I am not sure if it's too good to be true???
Answer:
You should keep in mind that the aim of such invitations is merely promotional. If you get a message that you are pre-approved to obtain a certain card that actually means only that you are eligible for this card according to your credit history and that the bank would be glad to provide it to you. It is only up to you to make a decision whether to apply for it or not. If you have decided to accept the offer you can do it online.Capital One is one of the most reliable and popular bank to get a card from. It offers various credit deals for people with different history - excellent, good and fair. You are welcome to compare the best offers from Capital One and choose one that suits you most. All the best, Manager of Immediate Credit Card Care Service
Date:
August 7, 2007, 1:12 pm
August 7, 2007, 1:12 pm
how do i check the status of my first premier bank card application
Answer:
You see it is quite difficult to provide you any information about the status of your application as we even have no idea for which card you've applied. Moreover our company is not a financial institution; we neither issue cards nor give credits. Our website is only meant to provide sufficient and up-to-date information about the best credit offers. Here you can consider the best credit cards, cards for good, fair, bad or no credit. If you are going to apply for one of them, we will gladly try to help you in your choice. 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 the status of your application you should contact your bank and try to learn it there. However usually the bank needs time to consider your application; the statement usually arrives for you by post. It may take various periods of time - from days to several weeks (even more than a month). All the best, Manager of Immediate Credit Card Care Service
Date:
September 25, 2007, 5:33 am
September 25, 2007, 5:33 am
if i apply and denied will that affect my credit score.
Answer:
The credit score is crucial as it helps the lenders to decide whether you qualify for the chosen card or not. That's why before submitting any application you should request your credit report, correct all mistakes in it and learn your current score. Nowadays people with all types of scores can actually apply for a credit card and be approved. If your current score is below 620 turn to bad credit offers, if it amounts to 620-659 choose among fair credit cards, and if it is above 660 you are eligible for deals for people with good history. Paying attention to the score is extremely important, because if you apply for the card you are not eligible for you'll be denied. And each denial actually damages your history and reduces your score. Thus, it is important to choose a card that complies with the score. In this case you are not likely to be denied. All the best, Manager of Immediate Credit Card Care Service
Date:
September 30, 2007, 1:14 pm
September 30, 2007, 1:14 pm
Where do I send payment, I have an American Express Card with Air Miles in Canada?
Answer:
It should be emphasized that we don't represent any particular bank or credit company. Our web-site is only aimed at providing sufficient and up-to-date information about various credit offers, including cards for excellent, good, fair, bad or no credit history. We are glad to present the details about different cards and to help the customers choose one of them 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. And we don't deal with payments in any way. We recommend you to contact your bank and learn the needed information there. All the best, Manager of Immediate Credit Card Care Service
Date:
October 5, 2007, 12:59 am
October 5, 2007, 12:59 am
if my credit is poor, can i get a personal loan?
Answer:
Our website does not deal with personal loans, it is devoted to the best credit card applications. At the moment people with all types of credit actually can be approved for this or that card. If you are eager to get one there are some cards you can apply for. Nowadays many banks, 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 offers 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 ensure your ability to pay. On our site you can find a few variants of these cards too. 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

