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Displaying 50 to 60 (of 87 questions) |
Page: 6 of 9 |
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Date:
February 6, 2007, 1:35 am |
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i want a credit card where i dont ever have to pay any sort of fee so long as i pay my bill every month. I cannot find any credit cards that will allow someone with know credit to get such a card. i refuse to get any card that i have to pay any extra money on even if i pay my bill when it is due, i already do not have alot of money and the whole point i want to get a credit card is just so i can establish credit. I hate spending money on things i dont need and know that it will not matter what the late fees are, any credit cards come to mind that fit my needs? |
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Answers: |
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Well, you have no credit and you are looking to estatblish credit history. There is a special sort of credit cards allowing you to get well started and you can build a strong and good credit rating if you manage them wisely. Among the best credit cards online to help you establish credit are no credit cards and secured credit cards which allow instant online approval if your personal data i the application form corresponds to the bank's requirements. But, mind it, that whichever credit card you choose, you cannot avoid fees. You are charged them as, due to your low credit score, you present a high credit risk for your creditors and they try to compensate for the risk. So, you are supposed to pay all the fees imposed untill you raise your credit score and build a strong credit history. Then you can apply for best credit cards online with low rates, no fees and rewards and other incentives to praise your good credit managements.
Best,
Manager of Immediate Credit Card Care Service |
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Date:
February 12, 2007, 1:34 am |
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Why is it that my 3 reports do not concur on one FICO score? How can I get all 3 ports to show the same FICO score? Isn\'t that ilegal to have different information on different reports? Why is it that we have 3 report agencies that do not update from each other so the reports look the same? It seems like a rip off to me. Thank you for your help. |
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It is true, it's very important to have all the three of your credit reports coincide so as to avoid problems with your monthly charges and applications for new credit cards. The reason for the difference in your credit reports may be different methods of calculating or different information provided by merchants. In both the cases you have to make them equal. What do you start with? First of all, apply for a copy report from each of the 3 credit reporting agencies and find which of them contains inaccurate information. Then, call to the credit bureau and ask them to conduct the investigation if you have evidence enough to prove your credit information. If you win the case, the erronious information will be erased and substituted for the right one.
Best,
Manager of Immediate Credit Card Care Service |
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Date:
February 26, 2007, 7:15 am |
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i dont have a credit score. if my wife cosigns for a card with me, will it lower her score? |
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As a usual run of things, by cosigning, you are accepting full responsibility for the debt if the other person does not pay as agreed. A cosigned account will appear on both your credit history and the other person's. All loans and credit card accounts that appear on your credit report will impact credit scores. I can truly tell you that if one co-signs for a credit card with someone and the person doesn't make the payments it can really screw your credit up. However, if that person is making the payments timely without any problems - then I'd say it won't necessarily hurt your credit. But at the same time it won't necessarily help it either. If you don’t want your wife’s credit score to be hurt, first of all you can build some decent credit history with the help of secure credit cards or no credit cards, and thus to accumulate points to have a decent credit score. |
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Date:
February 27, 2007, 6:36 am |
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dear suport dep I am margarita santiago and I think I asepted yours credit card line off $250.00 but I am unsure how to used it cause I dont have a pin# can you help me please? |
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The matter is that our site only presents the best credit cards from the leading banks and helps the customers to choose credit cards for their needs and credit conditions and gives tips for building or rebuilding their credit.
If you received a credit card, it is the bank that sent it to you, and contact information of the bank can be found in the letter (if it is not scam, of course). After receiving the card, you can activate it, by phone or by e-mail, and you'll be given the pin and other information needed for using the credit card. |
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Date:
March 27, 2007, 5:23 am |
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i want to know if i have a credit card with hsbc please let me know, thank you rosalyn. |
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Answers: |
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The matter is that our website provides our consumers with the up-to-date information about the best credit card offers from the top banks. Also it is used for making an application for credit card online. We are not credit card issuers or a credit bureau to know if you have a credit card or not. We don’t have any kind of access to your personal information and can’t look through your credit report and find out the real state of things. We advise you to turn to the HSBC bank or to contact the credit bureau and clear out the question.Good luck! |
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Date:
March 30, 2007, 1:49 am |
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I would like to know if there are specific credit cards recommended that weigh the factors of my current scenerio (below), or do most institutions have the same basic guidelines in figuring out an applicant's calculated risk and ability to pay (even the bad/no credit cards), so that most applications would be wasted effort?:
I have always maintained a 720-740 FICO score, and have an extensive payment history, with many creditors over the years. While an in-depth look at my credit today would show my respect for my credit as top priority, never allowing a single late-payment, quickly-increasing balances on all my revolving accounts have dropped my scores to 670-690 area, and near-limit balances on them (as is typical) have quickly disqualified me from increasing my limits or obtaining new accounts. I have a lapse in my income, and while struggling through this period of time, I was forced to use some credit to pay other credit. I simply have to withstand about a month & a half more, until my next FU |
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There are Credit bureaus that collect information about consumers and provide it to banks, credit card companies, etc. When you apply for a new credit card, your credit history is checked by such credit reporting agencies. These agencies access your payment information directly from the companies you have credit with and use the information in your credit report to determine your credit rating on the day it's requested. With your 670-690 credit scores you have a fair credit. Your credit score is important because most lenders will use it to automatically judge if you're a good credit risk. The application for Fair credit credit cards is a simple process. You just select a credit card with fair credit and submit the credit card application online. We can offer you to apply to First Premier Bank or to the Orchard bank. These banks report to Credit bureaus monthly. It helps to improve your credit score and rebuild your credit history. At our site you can find all the necessary information about fair credit credit cards, their terms and features and the information about other banks. |
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Date:
April 3, 2007, 10:52 pm |
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wil i revieve a new card before the card is up? |
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You see, when you apply for a new credit card, the bank needs some time to consider your application, check your credit report and then make a credit decision. This time depends on the type of the card. It can take 60 seconds (with instant approval cards), some days, a week or even a month. If your application is approved you will receive your credit card and statement where you can find the account number of your card, the expiry date of the card and so on. As we suppose, there cannot be any problems with it. If you have some difficulties with your new credit card and its expiry date, you need to apply directly to your bank with this problem. Its representatives are supposed to clear up all of your questions. At our site you can find more detailed information about the leading banks the best credit cards they offer. |
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Date:
April 7, 2007, 3:07 am |
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How can I get or see a copy of my credit report and credit score? I never have had a credit card or any owned anything in my name, so I think I don't have any credit! I believe this means I need to build my credit! Please let me know what is on credit and credit score? And how to fix it!?! Thank You Ever So Much, Shelly |
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A credit report incorporates your personal information, namely, your address, how you pay your bills, and whether you've been sued, arrested, or filed for bankruptcy. National reporting companies provide the information in your report to credit card companies that use it for evaluating your credit score and deciding if you qualify for the credit card chosen or not. Nowadays you can order your free annual credit report online, and all you need is to access respective web-sites and provide therein your name, address, Social Security number, and date of birth. If you don`t have any credit and want to fix it, you can regard bad/no credit cards. Some of these credit card deals suppose no checking account and no special income requirements. So, just compare credit card offers and apply online for card, helping you to set up your credit! |
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Date:
April 7, 2007, 3:08 am |
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If I filed for bankrupcy, how will that effect my tax filing next year? |
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Actually bankruptcy is intended to give you a fresh start, and American tax laws do not run contrary to this intention. In spite of the fact that it is true that the cancellation of indebtedness is considered income in a Chapter 7 bankruptcy, this income is not considered yours. If you are an individual debtor who files for bankruptcy under Chapter 7 or Chapter 11 of the bankruptcy code, a separate individual "estate" is created consisting of property that belonged to you before the filing date. This is absolutely new taxable entity, completely separate from you as a taxpayer. Under the terms of Chapter 7, the estate is represented by a trustee. The trustee is appointed by the bankruptcy court to administer the estate and liquidate your nonexempt assets. Your task is to file income tax returns during the period of the bankruptcy proceedings, excluding the income, deductions or credits belonging to the separate bankruptcy estate and the debts canceled because of bankruptcy. Remember, nowadays you can count on getting one of the bad/no credit cards for rebuilding your credit after bankruptcy! Best, Manager of Immediate Credit Card Care Service |
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Date:
April 7, 2007, 3:09 am |
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Dear Sir,
I should like to ask you I'm not live the USA can I apply for the Credit card. Now I live in Myanmar(Bamur). I want to enroll the Credit card, can I?
Your faithfully,
Yin Aye. |
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Answers: |
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Generally speaking American banks tend to issue credit cards for legal American residents, and filling in credit card application will require entering your Social Security Number. If you`re not American citizen, you don`t have SSN and, unfortunately, can`t apply for credit cards herein. The reasonable step you could do is to apply for a credit in your country banks. Analyze credit terms offered for your type of spending and pick up appropriate credit card for life. The other option that can be used is to choose online credit card application for card for making purchases here, in the USA. Some American banks do issue the cards like this, but there is a restriction: these credit cards can be obtained just in case you have good-to-excellent credit score. |
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