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Immediate credit card care service
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Displaying 140 to 150 (of 189 questions)
Page: 15 of 19
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User Name:
Sherri Holcomb |
Date:
April 8, 2008, 1:32 am |
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Which credit card is more profitable to use, cash back credit cards, airline mileage credit cards or reward point credit cards. Which category is the best and of that category which credit card is the best? |
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Answer:
Choosing the right of the three credit card types depends on your spending patterns and priorities. You should know your wishes pretty well. If you strive for cash and you normally shop at lots of different merchants (including also restaurants, gas stations and drug stores), then a cash back credit card deal is a perfect variant for you. In case your priority is travel and you spend much time in a plane, get yourself an airlines credit card as you will benefit from it most. See the point. Why get a cash back card if you are not going to use it to fill up your car or buy other things and services of no interest to you? Then, if you are planning to use plastic for a wide variety of items and do not want to be limited in the choice of merchants, think of applying for a reward points credit card. This type card will reward you points on every purchase and you can redeem the points for various merchandise and services. Each credit card has its specific terms and conditions, so take time to see all details to know which deal will save you most money. |
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User Name:
Robert Szymanski |
Date:
May 2, 2008, 2:44 pm |
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My company told us to get rid of our corporate business credit card by June. Extensive travel throughout the year. Looking for a card that provides rewards for travel & hotel rewards points |
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Answer:
Requesting a travel or hotel rewards card, you must have good or excellent credit references and pretty high job income. If you do, proceed on to some of the best rewards offers featured online:To benefit from miles rewards, apply for No Hassle MilesSM Rewards issued by Capital One. Mind it, it requires that you own excellent credit score as you apply. If approved, you'll earn 1.25 points per dollar spent on eligible purchases. There is no annual fee and 0% APR on purchases until October, 2009. Having a good-to-excellent FICO score, consider Miles by Discover® Card offer to earn 1 mile per dollar without airlines, time or seat restrictions throughout the year. No annual fee and 0% intro rate offer apply. Exclusive hotel rewards offer is available on Hilton HHonors® Platinum Credit Card from American Express, a no annual fee plastic with generous hotel bonus points and 5 points for eligible purchases made at the participating hotel chain. You'll earn 3 points for every other purchase made with the card. So, choose a most rewarding travel rewards credit card and apply for it online. |
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User Name:
Marti Thomas |
Date:
May 20, 2008, 3:53 pm |
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which credit card has the lowest apr, longest 0 interest, no fee and offers credit for gas? |
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Answer:
If you have good or excellent credit, there all chances to find such a credit card online. Look at Discover® Open Road® Card which comes with 0% intro APR on purchases and b/t and no annual fees. It offers a generous and unlimited cash back bonus on all gas-related purchases and some smaller rebate on all other purchases. More® Card - Monogram offers a 5% cash back bonus on certain categories of purchases that change each season. Gas spending is also included into these purchase categories. There is the 0% intro APR on purchases and balance transfers and no annual fee feature. More® Card - Clear offers a similar deal in terms of pricing and cash back rewards program. So it's up to you to choose which card fits you best. Compare the credit cards' key features and additional benefits and apply online here. |
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User Name:
PATRICIA |
Date:
June 5, 2008, 8:09 am |
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why do credit card companies send an offer by mail and than turn you down? I have a car loan with this company so they should know my rating. My plan is to transfer balances at lower rates and pay off asap. Thank you |
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Answer:
The best way to find the right credit card is to do a search online where you can compare several offers side-by-side. Take a look at 3 top balance transfer credit cards and apply for one if your credit rating is good or excellent. Discover More® Card: enjoy 0% APR on balance transfers for 12 months, 0% intro rate on purchases for 6 months and no annual fees. Clear from American Express®: get a low intro rate on balance transfers for 12 months and 0% intro APR on purchases. There are no fees associated with this offer. Chase Bank Platinum Visa®: save with no annual fees and 0% intro APR on purchases and balance transfers for 12 months. Enjoy a lowest ongoing APR after the teaser period. Before you apply, make certain your credit rating meets the requirements. Also, do not transfer more than the limit on a credit card. You are welcome to apply online now. |
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User Name:
Khrystina |
Date:
June 6, 2008, 11:04 am |
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I Want to build up my credit and I keep getting denied and I'm tring to find specific cerdit card for people who have bad cerdit and won't get denied. |
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Answer:
It is great that you are eager to build your credit! In fact, it is easier than most people think, because banks introduce a range of credit card offers for limited credit history today. Probably, you keep getting denied because you apply for cards you are not eligible for… To prevent denials, you can apply for a guaranteed approval credit card deal. It means that the bank will approve any applications for this product. A good example of plastics with guaranteed approval is First PREMIER Centennial Gold MasterCard which requires no checking account and provides instant approval. First PREMIER bank also provides Visa cards of this type. |
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User Name:
darel johnson |
Date:
June 7, 2008, 1:47 pm |
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do i have to join a credit angency to get my credit score |
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Answer:
If you want to get your credit score, you should contact a credit reporting agency or, better, all the major agencies. Your credit record is usually established by a credit bureau if you get a credit card or a loan in a bank. Actually, you do not have to get any 'membership' in a credit bureau; you just should make sure your bank reports to the major agencies. According to the Fair Credit Reporting Act, consumers have a right to obtain a free credit report once a year. If you address to a credit reporting agency for more credit reports, you will have to pay a fee. |
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User Name:
Renee |
Date:
June 15, 2008, 10:08 am |
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I have 4 credit cards at diffent APR-from 9.90% to 20.99%. All of my cards are paid up to date. I would like to know if I can get a low rate credit card to pay off all of my cards about $10,500. I have bad to fair credit. Most credit cards will not give me that amount on a credit card. |
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Answer:
Balance transfer credit cards usually allow you to transfer balances from up to 4 credit cards. Unfortunately, no credit card companies with which our site co-operates offer balance transfer plastics for limited credit. Besides, the balance you are going to transfer is rather high even for a good credit card deal. You say you pay off your cards on time - that's great! If you go on keeping to this habit and reduce debt on all your current plastics, you will be able to build flawless credit history and be eligible for beneficial credit cards later on. Good luck! |
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User Name:
deline caudill |
Date:
July 6, 2008, 8:43 am |
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Please help me buy choosing the best credit card for me i know my credit score |
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Answer:
Unfortunately, you haven't pointed your credit score, but it's nice that you know your current credit rating. It means that you can qualify for the card that suits your credit profile. It's difficult to pick out one universal card that would meet the requirements of all cardholders. For choosing the best credit card, you need to answer certain questions. First and foremost you should decide what you need this card for. In case you want a low rate card with no annual fee and generous rewards, you can hardly find a better option than More Card by Discover is a smart choice. This fee-free card comes with a 0% Intro APR on balance transfers and purchases, plus it gives you a generous rebate in the most popular categories, including home, gas, restaurants, travel, and more. If you want the best low interest rate card, Platinum Prestige by Capital One will be ideal. An extremely low APR on both purchases and balance transfers makes this card really worthwhile. If you are searching for the right card to pay off a heavy balance, consider Blue from American Express. It gives a fixed low interest rate on balance transfers, and you will have enough time to pay off a heavy balance, if you've got any. So, review all the options and make your choice! |
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User Name:
B |
Date:
July 18, 2008, 4:17 pm |
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I have excellent credit last I checked I believe I was at a730 fico, but last year fell into hard times with a family emergency and had to use my credit cards to cover the costs. I owe 16,000.00 on my card and I am paying 16.34% apr. I have not missed payments or let my credit drop. I got a promotion recently and make more money so I want to really start paying it off, but the intrest charge is killing me. Is there a card that will let me transfer this full amount for 0%? Whats my best option at this point? |
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Answer:
First of all, you should check your credit history one more time. A year is a long time and your score could have changed. It is important to get a credit report prior to applying for a card to make sure all the information is correct. Considering the information you have provided, you still have good credit. Most likely you will not be able to transfer $16,000 to one card. The best option for you will be to apply for several credit cards with favorable terms. Here are the cards that are great for balance transfer. Discover® Card. More Card. It gives you 0% APR on balance transfer for up to 12 months. The balance transfer fee rate is 3% of the amount transferred ($75 maximum). It also has 0%APR on purchases for up to 6 months. This is a cash back card for consumers with good/excellent credit. American Express. Blue from American Express®. This card has 4.99% APR on balance transfer till you pay it off. That will be three times lower than what you have right now. Maximum transfer fee is $99. This card offers you a fee-free rewards program and 0% APR for purchases during the intro period. Chase Bank. Platinum Visa®. This is another card with 0% APR on balance transfer for up to 12 months. Maximum transaction fee is $75. There is no annual fee. However, unlike the card mentioned above it is not a rewards card. Compare the offers and apply for the one you like the most. Do not send applications for all the three cards at the same time. Let some time pass after your first approval and then apply for a new card. Eventually, you will be able to transfer your balance. |
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User Name:
Shirkey |
Date:
July 24, 2008, 12:11 pm |
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Ihave been trying to apply for a credit card. However a lot of the cards for bad or poor credit have so many start fees and pthe fees involved. By the time you recieve the card, there's only about $70 on it. Where i live I was approved on my credit rating, so I don't inderstand why I can't get a descent card without a lot of fes involved, I live in a upscle neighborhood and highrise. it's a very exclusive. So why does it seem I am having a difficult time getting a credit card.
I also thought that the consumer credit agencys were changing the way they do credit checks,because a lot of folks were being denied credit. can you tell me the best cards to be looking for, besides the ones that have gigantic fees and just keep you in debt a lot longer. |
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Answer:
As a matter of fact, all credit card offers for bad/poor credit rating customers available today come with a whole heap of various fees. Applicants whose credit has been damaged by late or missed credit card payments will hardly be able to find a single card without all those set-up fees, annual charges and various penalty fees. They are inevitable. However, customers whose credit is not bad but limited, meaning that they are just building their credit history and have had no late or missed payments in their credit report, can find some credit cards that charge no fees or just moderate fees. So, if you are building credit history and want to do it without extra expenses, have a look at Capital One Standard Platinum (no set up fees and no annual fees) or Capital One Classic Platinum (moderate annual fees and no set up fees). You may also consider applying for Capital One Platinum-Visa which charges no set up fees but a bit higher annual fee than the other two. But it offers a low APR on purchases. Remember that the absence of fees on these credit cards for limited credit history does not mean that they are the cheapest deals. You may be charged higher interest rates instead of the fees. So, to minimize expenses associated with the use of the credit cards, try to pay your balances in full each month and pay no interest for them. Thus, you will really benefit from the no annual and no set-up fees bonus on these cards. |
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