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CREDIT QUESTIONS CENTRE
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Displaying 10 to 20 (of 31 questions)
Page:   2 of 4
User Name:
Jay
Date:
January 23, 2007, 6:11 pm

what is the number so i can recieve my account info

Answer:
Our website serves to provide credit card applicants with all up-to-date information about credit card deals available. Thus, we do our best to overlook herein online credit card applications for all categories of consumers. Regretfully we aren’t provided with the contact information of credit card issuers, and we can't give you a number you’re asking about. Our suggestion looks as follows. You can call a toll-free phone number given on the back of your credit card and ask bank service manager how you could get the data required. Another option for you is to access official site of your credit card issuer and get registered therein. Thereafter you’ll be transferred to your personal page. Here you’ll find you’ll find all the data about your credit card status, including your account information. Today the banks use all possible securing strategies to protect their clients against fraud, therefore you can feel absolutely safe, checking your account online.
User Name:
michelle suleman
Date:
January 23, 2007, 10:48 pm

How can I consolidate all my credit card debt to one card or payment with out hurting my credit even more? I was declined from a personal loan and can't seem to get out of debt. I can afford one bigger monthly payment but no one will give me a chance now because my debt to income ratio is higher. I am getting a second job as well but I have no ideal where to go to start living a more debt free life. Please help.........

Answer:
The easiest way to get out of debt is start paying it off, which maybe will require to tighten your belt and reduce expenses on some things. You say your debt to income ratio doesn't let you get a loan, but since you have got a second job, you have a good opportunity to reduce the amount of debt and make this ratio proper for a loan you want.
You can also turn to debt consolidation, but it will significantly hurt your credit and in the end you will pay even more.
If you need a credit card, you can apply for a credit card for bad credit, but this should be a credit card fitting your needs and opportunities, since now your first aim should be reducing your major debt.
User Name:
peter engström
Date:
January 24, 2007, 12:14 am

I don`t have any creditcard. How can i pay?????

Answer:
You can pay online or through mail by check or money order, depending on the bank. First of all make sure your bank has online payment service. If yes, you have to know the address of the bank's web site, where you go and log in, after which you are expected to see all the blanks to be filled out, so that the payment will go through. You see, some banks accept payment thru mail orders as well as online. If you do not have a credit card or wish to make payment by mail you may send a money order in the amount that your bank will set. Be sure to include your email address to receive instant access to the bank database of unclaimed money accounts. In order to set up your account, a bank can need the following information: your e-mail address, full name and address. As soon as a bank receives your payment, it will instantly set up an account for you and e-mail your access information. Another way out to pay without a credit card is Graphcard. It is an online payment system that enables anyone anywhere in the world to pay online without having a credit card. The virtual card does not have personal information such as names and enables Graphcard account holders to shop online as they would with a traditional credit card but with the added benefit of anonymity. The service is free and straightforward: the only requirement is enough funds in one’s account to cover planned purchases. But there’s still the downside. The key challenge to this payment solution is signing up enough merchants who will accept Graphcard. If you are not likely to trust such services, we can advise you to get a credit card and to pay with the help of a credit card. In this respect, you are to apply for one of our credit cards at CreditCardBest.com. But before applying, study the terms and conditions of the card carefully to choose the one suiting your credit card history and credit score.
User Name:
Matika
Date:
January 24, 2007, 1:45 am

what is apr%?what does it mean

Answer:
APR (Annual Percentage Rate) is an expression of the effective interest rate that will be paid on a loan, taking into account one-time fees and standardizing the way the rate is expressed. To put it differently, APR is designed to measure the "true cost of a loan" to the consumer expressed as an annual percentage of the amount of credit granted. APR is intended to make it easier to compare lenders and loan options. The most confusing thing about APR is that different loaners calculate APRs differently! So, if you want to know the real cost of a credit, you should analyze all terms and conditions a credit card offers you, in the long run.
If your credit history allows you, it’s recommendable to apply for one of low rate credit cards, capable of saving your money greatly. Compare credit card deals online and apply online for accredit card with low APR with us!
User Name:
irfan
Date:
January 25, 2007, 4:22 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
User Name:
Christine
Date:
January 29, 2007, 4:01 am

Between my Husband and I we owe about $20,000 on various credit cards (Visa, MC, & stores). We are trying to get rid of this debt but don't know what our options are. We are also stuck in an Interest Only Mortgage Loan, yikes right. Can you advice us please!

Answer:
Well in the first place, you are to to forget about your careless spending habits that have led you to debt. The best option for you now is to start paying your bills accurately in full and on time. Even better it is if you make more than just the minimum monthly payment to catch up with normal balance. Another option would be applying for Balance transfer credit cards if your current credit rating allows you to. With a balance transfer credit card you can remove your debt at a lower interest rate term. Find out your credit score to see if you are eligible for a balance transfer credit card and use our online credit card application. Before you apply online, however, make sure you read the terms and conditions carefully as there might be some hidden charges which you cannot really afford.

Best,
Manager of Immediate Credit Card Care Service
User Name:
Jana Booth
Date:
January 30, 2007, 3:54 am

Do you have to be living in the states to apply for a credit card with poor credit

Answer:
It is true, you have to be a US resident to be able to apply for a credit card, be it a good credit card or poor credit card. In case you are a non resident, it is very difficult to get online credit card approval if not impossible. If you want to obtain a regular US-based credit card, you need to have a US Social Security Number. Not everyone is eligible for a social security number. It is primarily issued to US citizens, permanent residents and individuals legally working in the USA. Try to get a working visa or apply for a Green Card, then you'll have a chance to apply for a US credit card and get approved.

Best,
Manager of Immediate Credit Card Care Service
User Name:
Kim Whitehead
Date:
February 9, 2007, 4:14 am

I have bought a car it's in my name and I borrowed from the Saugeen Credit Union, $4000. The problem is that they don't give me a score they only take "interest" in me and no one will bother with me. How do I get my first card so that I can start building credit?

Answer:
If the Saugeen Credit Union doesn't give you a score, maybe it's not in their prior competence. Since Credit Union's primary commitment is to the needs of their members and every member is an equal owner, regardless of financial holdings, and enjoys the right to have a say in how the credit union is running, you can bravely contact them to clear your situation up. But if you are eager to start building your credit card history, we can advise you to look through the best US credit cards for people with no credit. Many leading credit card companies make credit cards for no credit with high fees or interest rates to compensate the risks. A more common recommendation for those who want to establish a credit is to apply for a secured credit card which means making a bank deposit and obtaining a credit limit equal to the amount of the deposit. Thus, the bank covers its risks with the credit. If you pay off the debt in full and on time, you will increase your credit score and be able to get an unsecured credit card.

Best,
Manager of Immediate Credit Card Care Service
User Name:
isaac meraz
Date:
February 16, 2007, 6:28 am

my credit is about to 689 , how to way to built or improve my credit, thanks

Answer:
Your score of 689 indicates that you have a good credit history. At CreditCardBest.com our good credit cards are a good way to improve credit as long as you always pay on time. Among our good credit cards you can find the best credit cards that will satisfy your needs in the best way possible. So, make your choice in favour of a credit card in accordance with your credit score and apply online straight away! To improve your credit score,we also advise you to concentrate on: paying your bills on time; paying down outstanding balances; keeping balances low on credit cards and applying for opening new accounts only as needed. You can as well reduce your balances on credit cards to 75% or less of your available credit (25% is preferable).

Best,
Manager of Immediate Credit Card Care Service
User Name:
shikara rodriquez
Date:
March 14, 2007, 4:38 am

is there any way to find out if my application has been approved without having to wait 7-10 days?

Answer:
To accelerate the procedure of credit card approval you can accept one of credit card offers, featuring credit cards, which can be used immediately. To apply online for a credit card of this group, you task is to regard instant approval credit cards. Being approved for a credit card with instant approval, you`re absolutely sure to get your credit card soon by mail within a week or two. It does take time to issue a credit card for you! However, you can use your new-approved credit card most immediately. Once you`ve been approved for the card chosen you`re provided with credit card number, which can be used, for instance, for online purchases. Thus if you want a credit card, which can be used right on the spot, your choice is a credit card with instant online approval.
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