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User Name:
patricia l kovanich |
Date:
February 7, 2007, 4:12 am |
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Hello, I applyed for a credit card over the phone about 2 weeks ago and haven,t heard from you as yet. Please informe me as to when or if I will recieve my new card. Thank you Pat Kovanich |
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Answer:
Every time you click the link 'Apply' by the credit card at credit-cards-rates.com you want to apply for, you are automatically redirected to the application page at the official site of the bank. You fill out the application form and after submitting, it is sent to the bank for considering. If the information you indicated is correct and you are eligible for the credit card, which is usually followed by the approval, you are supposed to receive an approval letter during the period indicated in the terms & conditions of the card. If you seem to wait for too long, you can do nothing but contact the bank and ask them about your status, as our site has no right to give you approvals or consider your credit history, having no access to your personal information.
Best,
Manager of Immediate Credit Card Care Service |
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User Name:
fareedabanu |
Date:
March 14, 2007, 4:44 am |
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hello i am fareeda banu from hospet india please tell me about the free lotto company it is true or bogus |
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Answer:
Actually the function 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. And it`s beyond our competence to trace any kind of fraud, or bogus, as you put it, but we can assure you that "The Free Lotto Company" is a scam. If they sent you an email, saying you won hundreds of thousands of "Great British Pounds" and the email claims they are "the world's most famous free lotto service" the only thing you should do is to throw this letter away. There's no such thing as a FREE lotto or lottery. There are many other signs that this is a fraud, not the least of which is that no legitimate lottery uses email to notify its winners! And a legitimate lottery certainly would not use free hotmail, yahoo, elitist, or aim email accounts. |
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User Name:
Judy Gilbert |
Date:
March 30, 2007, 5:06 am |
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We received a letter in the mail about applying for a Visa card. Access code 57***, Reservation Number 0683****. I would like some info on this. |
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Answer:
If you get a letter with the access code and the reservation number for the card, you really applied for, that means you have become the customer of the bank. You are surely to receive the card in 7-10 days. In the letter, you receive, should be additional information on how to use the code, a webaddress (where you go and activate your credit card) or a phone number of the bank as well as other contact information, concerning the bank. Never provide your credit card information on a website that is not a secure site. If you receive a pre-approved credit invitation and it contains no exact contact information, you can consider it to be a scam. |
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User Name:
Fred |
Date:
April 30, 2007, 3:38 am |
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I have recently corrected, updated, and cleaned up all three credit bureau reporting files. Because of this action, I have been elevated into the GOOD category credit rating. In previous postings you recommend that card holders only have two major credit cards. I find this recommendation curious, because credit bureau's specifically, suggest that having a diversity of revolving debt (i.e. credit cards) is considered Very positive with credit granting companies and lenders of all types. I have endeavored to acquire (4) cards Chase, CITI, Discover, and American Express, over a 24 month period of time. Do you think this pursuit is realistic, rational, and/or prudent, towards establishing a strong and solid credit foundation? Is having a couple of prestigious national department store charge accounts reasonable too? But bear in mind, my strategy is to keep the balances well below the 25% recommended threshold for DEBT TO TOTAL CREDIT ratio purposes. I'm curious to know your opinion. |
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Answer:
The credit score shows how much of your available credit you are using. The lower the percentage the better. The limit the creditors want to see lies between 25% and 35%. To answer your question usually the FICO score doesn’t penalize you for having large amounts of credit available and multiple credit cards. But if you are going to apply for a mortgage or car loan we advise you to close the accounts you are not using. It may be important for some creditors. We suggest you to have no more than 4-5 cards. |
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