|
Best Credit Cards
Credit Cards by Credit
Reward Credit Cards
Credit Cards by Spendings
Credit Cards by Issuer
Prepaid & Debit Cards
Foreign Credit Cards
OUR PARTNERS
 |
CREDIT QUESTIONS CENTRE
We love the job of answering your questions!
The answer to your question may be in our databank already.
Use the Search tool before submitting your question. ENTER YOUR QUERY
RESULT
NB: Please, avoid including your SSN, your real full name, account number and any other personal information in the text of your question.
Using our service, you agree to the Terms and Conditions. Displaying 0 to 10 (of 31 questions)
Page: 1 of 4
Date:
December 22, 2006, 6:32 am I am really in debt and I am trying to fix my bruised credit history. I was wondering if I could get a credit card that would allow me to transfer all or most of my debts. I have credit card debt, and other unsecured debts. Answer:
The first thing your should do is to calm down and think your problem over. You have limited credit history, so your problem is that you have to pay numerous debts at high percentage rates. It is difficult, but you should make your best to overcome this hardship. You want a balance transfer credit card, but if you look at terms&conditions of these cards, you will see that unfortunately they require good credit history, so this way of paying off your debts can't be used.
Do not turn to debt consolidation agencies to avoid damaging your credit. Try to pay everything on your own. Good luck. Best, Manager of Immediate Credit Card Care Service Date:
December 22, 2006, 6:38 am When you loose your job, unable to pay, what can you do? Credit cards are now impossible to pay. Answer:
It is really very depressing, but in many cases of job loss people have to file for bancruptcy. It is the court that decides what should the person do after this, but usually one has to sell something - a car or even a house - to pay off the debt. If you know that you will find work very soon, and you'll be able to pay after that, you can contact your bank, describe your situation and probably they will agree to postpone the payments or freeze your credit card account for a while. Certainly, your credit score is damaged in this case, but not so badly as after bancruptcy. So you should make your best to find work as soon as possible and pay everything off.
Best, Manager of Immediate Credit Card Care Service Date:
December 22, 2006, 6:48 am please I will like to know if the buying of credit cards are for both US and non US residents. Can anyone living outside the U.S.A anywhere in the world who need a credit card buy from you? Answer:
At our site you can apply for a credit card if you are a resident of the United States, United Kingdom, Canada and Belgium. Or, if you have citizenship of these countries, but live outside these countries. If both cases are not about you, you can't make an application, unfortunately, as the application forms provided by the banks, require entering social security number or tax ID.
If you need a credit card and you are not a resident of the above mentioned countries, you can turn to your local bank apply there. Best, Manager of Immediate Credit Card Care Service Date:
January 11, 2007, 2:02 am I want to apply for a Credit card using only my TransUnion Credit score. Is there any credit card companies that only use that Buerau for qualification? Answer:
Actually, banks do not manifest they are using this or that credit bureau, but some of them may tell you (if you call there and ask) what credit bureau provides them with customers' credit reports. There are also sites and forums (you can find them by means of a search engine) that contain this kind of information.
Besides, you should be more attentive to your credit reports, as it is important to keep them all equal. Spend some of your time and put your credit reports in order - ask the bureaus remove all the incorrect or invalid items and add the missing records. Thus you will avoid worrying in future, as there will be no difference among your credit reports. Best, Manager of Immediate Credit Card Care Service Date:
January 11, 2007, 3:11 am What credit cards accept a co-signer in order to build credit for an individual with a poor credit history? Answer:
Establishing credit with a cosigner can be done in the following way:
- ask a relative or friend of yours with a good credit to become your co-signer - he or she should apply for any good credit card that appeals to him and you, and after receiving an approval, he/she can sign you up as a co-borrower - you pay off this credit card, but the responsibility is laid on both of you - co-signer and co-borrower. So if you fail to pay, your cosigner will have to pay off the balance alone. Best, Manager of Immediate Credit Card Care Service Date:
January 16, 2007, 12:18 am I do credit repair, mortgages and small consumer loans. Are your cards reported to the Reporting Agencies? When the clients get the card, how do they incur balances (the ones with bad credit)? Answer:
We are not a bank, so we issue no credit cards. Our work is to collect the best credit card offers from the leading banks of today and provide the customers with information concerning credit cards, helping them to make the right choice at the credit cards market.
All the banks, if you use their credit cards, report to credit bureaus according to the way you pay your credit off. So, if a customer applied for a credit card meeting his credit conditions and if he commits no delinquencies when paying off the credit, his credit will be improved. As for the way the cardholder is supposed to pay his balance off, it is indicated in statements the bank sends with the card, noting minimum payments and dates of payments. Best, Manager of Immediate Credit Card Care Service Date:
January 16, 2007, 12:18 am What fees, except annual fee, does a credit card have? Answer:
The number and the type of fees a credit card may have depends on a particular credit card offer. Whether you are a consumer of credit cards with good credit or bad credit cards, the fees may vary depending on other financial charges or rewards.For example, you may have a no annual fee but a high interest rate. The best credit cards online that we offer have the following fees:balance transfer fees, cash advance fees, foreign exchange fees, penalty fees, initial fees and maintainance fees. You may read about each of them in "See detais" section.
Best, Manager of Immediate Credit Card Care Service Date:
January 22, 2007, 2:59 am i used to have a jc penny credit card and i need to know how much i owe to pay it off and who do i contact about it Answer:
Unfortunately, we cannot help you resolve this problem as it is beyond our competence to be informed about your personal data such as your credit score or the state of your balance. Our aim is to give you a detailed description of the best credit card offers online, help you compare credit cards and choose the most appropriate one. Besides, we allow you to apply for a credit card online through the online credit card application provided. As to the credit card you are talking about, we do not provide such one, and you need to contact the bank you applied to, to clear out the question.
Best, Manager of Immediate Credit Card Care Service Date:
January 24, 2007, 4:38 am I'm looking maybe to get a credit card, purely because I know I would pay off the full balance every month and I like the idea of building up my credit rating by doing so, but I don't completely understand 0% purchases. Say I bought one item in a month at? 100 in a 0% purchases period and paid it off that month, I'm guessing I wouldn't have any interest charged on that and that I would only have to pay the? 100, however if I bought the same item again the next month and it wasn't still 0% on purchases, but I still paid off the balance in the time would I have to pay any interest on that purchase, or is it only if I don't pay it all off the month before that I would start having to pay interest? Thank you Answer:
If you have decided to apply online for a credit card to build up a good credit rating and boost your credit score, welcome to our web site providing you with best credit card offers online to help you. The best credit cards issued by such credit card companies as Visa and MasterCard allow you to establish a good and strong credit history if you manage them right, that is pay for them in full each month and not exceed the limit on your account. As to your question, you are speaking about a 0% introductory APR on purchases which means that you do not pay interest on purchases for the period established. So, you understand it in the right way. But remember that there are other rates and fees on a credit card apart from this one, so carefully read the terms and conditions of a certain credit card offer before you apply online.
Best, Manager of Immediate Credit Card Care Service Date:
January 26, 2007, 2:26 am hi , checked my credit yesterday 7/3/06 and my credit score was 700 and i started establishing my credit since last year i dont have much credit history and also i am a student but currently dont have any loans except for care and my stats on credit report is GOOD so i want to know what unsecured credit card i can apply for to have a guarnteed approval . please reply thank you ! Answer:
Well, your good credit history gives you access to the Best credit cards
online and allows you to apply online for Instant approval credit cards with no anuual fee, low rates and best rewards. If you want to choose a credit card by consumer category, look through the Student credit cards with guaranteed approval for customers with good credit rating. Among the best credit cards online for students are credit card offers from Citibank, Discover bank and Chase bank with no annual fees, low APR and reward points. Welcome to compare the best credit cards and apply online for credit card best fitting your requirements and credit rating. Best, Manager of Immediate Credit Card Care Service |
