Apply Online for Credit Cards - Answers from Experts

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Displaying 20 to 28 (of 28 questions)

Page: 3 of 3

User Name:
mary huntley

Date:
September 14, 2007, 7:29 pm

i forgot my log in information....what do i do

Answer:

Our website is aimed at providing the most detailed information on the best credit cards issued by the top banks and special companies. We are always willing to explain to you all the peculiarities of the application process and differences between various types of cards. Furthermore, our managers of the Immediate Credit Card Care Service may answer any of your question on the matter. Still it is outside our competence to give you the information regarding the personal data, your credit card's status, account, etc. In your situation we'd rather recommend you to contact directly the bank that has lent you money. All the best, Manager of Immediate Credit Card Care Service

User Name:
Connie L. Dennison

Date:
November 26, 2007, 6:12 am

I have a credit score 700, 677, 673, I am checking around to see which credit card would be best and if i will be able to obtain one...now is this fair, good credit, i don't know what the credit card compaines are looking for... please help

Answer:

Your credit score stands for the good credit history. You can easily get a credit card approval when you apply for a card online. Banks are happy to offer the exciting credit deals for such customers, including 0% APR, no annual fee and balance transfers. We advise you to have a look at Discover Bank offers. We recommend you More Card - American Flag by Discover. It offers 0% Apr for 12 months, no annual fee, 5% cashback bonus, unlimited cash rewards.

User Name:
Dan Flight

Date:
January 10, 2008, 1:33 am

	when a card type is listed as "unsecured" what does that mean?
	Answer: Unsecured credit cards - cards that are not secured by the deposit. And they don't require any collateral for approval. Customers qualify for these cards based on their credit history, financial state and income. If you can't afford an unsecured credit card for bad or no credit history, it is advised to start establishing your credit with a secured card.

User Name:
Heidi

Date:
January 25, 2008, 3:54 am

CAN YOU USE A CO SIGNER TO GET A CREDIT CARD?

Answer:

You can apply for any good and excellent credit card with a co-signer. But the thing is you can't do it online. A person with a good credit history applies online. He gets approved. Then he needs to contact the bank and tell them he wants to add somebody to his account and to be a co-signer for this person. He needs to tell a Social Security Number of that person.He receives a form by mail. Both of them sign it. Since then they will be sharing an account. A person with bad credt is building his rating by making monthly payments.

User Name:
Britt Malka

Date:
April 16, 2008, 6:35 am

Is it possible for a non-us habitant to get a credit card?

Answer:

Thank you for asking your question, Britt. Most credit cards we offer on our site are designed for US residents. But we also have offers for residents of UK, Canada and Belgium. If you are a resident of one of the three above-mentioned countries, you can be eligible for our foreign credit card offers. If you tell us what country you reside in, and we will tell you with more confidence whether you can get a credit card. I dare to suppose you might be from Denmark, or Holland, or some Nordic counrty, if it is your actual name. However, I can mistake. Maybe you live in Belgium and can qualify for Belgian credit cards. You can find UK, Belgian and Canadian credit cards at our site. You can study their terms, options and features and apply online.

User Name:
Nolan

Date:
September 4, 2008, 4:28 am

I have about $30,000 in balances spread over three cards that I want to pay off at a low apr but, because of the high balance ration to debt, companies are not allowing me to get a high limit card to transfer balances. Any thoughts

Answer:

As a rule, if you cannot qualify for a high limit balance transfer credit card, you can move your debt onto a number of cards with lower limits. You will find a wide collection of credit cards for balance transfer with attractive APRs on our website. If your credit rating is good or excellent, meaning that you've used credit for more than 5 years and you haven't been late on any of your bills recently, you have great chances to be approved for a balance transfer credit card online. Compare the offers side-by-side to find the best deal to save on reducing your debt.

User Name:
Zack Landers

Date:
November 29, 2008, 6:46 pm

If i apply for a credit card online how do i know if the fee is waived

Answer:

Thank you for addressing our customer support, Zack. When you apply online you are not charged any fee. What you should check is whether any fees, like set up, maintenance, annual, or other fees appliy with the credit card you chose. For than you are to read the offer's terms and conditions. At our site you can apply for no annual fee credit cards. They help you save money. There are other fees that you can face when managing your credit card. In case you default on your monthly payments, if you are late on your due date or break any of your deal's terms, you could be charged penalty fees. Alongside with monetary penalties, your financial missteps will drop your credit score. If you keep making on-time payments and do not go over your credit limit and follow other basic rules of plastic money management, you will avoid penalty fees.

User Name:
Virgil

Date:
December 9, 2008, 10:51 pm

What is better – a fixed rate or a variable one?

Answer:

Thanks for contacting us, Virgil. To begin with, I will try to make the difference between these two types of interest rate perfectly clear to you and other visitors. A fixed rate is an APR set by a lender. It doesn't depend on the prime rate set by the Federal Reserve. Fixed rate is supposed to stay the same for the life of the account. Especially if a deal offers fixed APR for life. A fixed interest rate is good to have at the times when economic situation in the country is unstable. However, this rate can also change. If overall interest rate goes up, your lender that offered you a deal with a fixed APR, has to raise your rate as well not to lose profits. But a fixed APR is still more stable than a variable one. It doesn't jump the way a variable dos at times. Variable rate is made up of the current prime rate, settled by Federal Reserve plus the interest that a bank adds to cover credit card processing, account maintenance, etc. expenses. As the Fed changes the prime rate, your variable APR automatically changes. So, if you have to choose between a fixed and a variable rate, I would advise you to go with a fixed one, even if it is a bit higher. It will give you more financial stability. Especially if you find a good card with low interest.