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Displaying 50 to 60 (of 112 questions)
Page:   6 of 12
User Name:
Merry potts
Date:
January 10, 2007, 8:57 pm

i want a credit card with no deposit need to start my credit asap please give my options. with me have no credit

Answer:

People with no credit who want to establish their credit history have several options to choose from. You can start with a secured credit card which requires a deposit made in the bank issuer of the credit card. This deposit will determine the amount of credit you will get access to.
Another way to establish credit is to ask a friend or a relative with good credit to become your co-signer. He or she applies for a good credit card and after approval you can be added as a co-borrower and you will be able to use the credit limit on the terms typical for a good credit card.
One more option for starting credit is applying for a bad/no credit card that will give you a modest credit limit and will imply high charges and fees.

User Name:
Lucky Benitez
Date:
January 10, 2007, 9:03 pm

I never got my ASPEN MASTERCARD it said notice of account cancellation due to non-activation it was sent to my old address...

Answer:

Unfortunately a scam has become a routine practice nowadays. If you’ve once received pre-approved Aspen MasterCard credit card invitation,and it contained no explicit contact information, but just, perhaps requirement to pay some "processing" fee for being activated and invitation code, you can consider this application to be a scam. In this case you should just throw it away and forget it.
If you applied for Aspen MasterCard yourself, and got online credit card approval, and never received your card, but wanted to, your better step could be to contact Aspen credit card customer service, which can be found at the credit card issuer official site. Feel free to contact them, in case you have any kind of troubles and solve all of them on the spot.

User Name:
damselfish@mac.com
Date:
January 10, 2007, 10:01 pm

Is there a way to STOP mail solicitation for pre approved credit cards?

Answer:

Since mail solicitations is an acute problem today, there are ways to get rid of them. You can apply to the credit bureau and ask them to prevent your credit information from presceening. You will have to fill out a form giving your personal data. Another way for opting out is calling a toll-free number (you can find them via internet search)and submit your application by phone.
Mind it, your application will be conidered (which will take some time) and after that you will stop receiving pre-approvals. Do not send back or throw out the solicitations, as thus somebody can get access to your personal data.
For more information, you can read the article on facing credit card pre-approvals at the site of our partners.

User Name:
ashley porterfield
Date:
January 11, 2007, 1:12 am

i want to build my credit history up because i dont have one and i dont want an annual fee and a low apr rate what should i do

Answer:

If you don’t have a credit history, first and foremost you have to build one. And you shouldn’t worry about an annual fee or low APR, as there are no such options for customers with no credit. Basically there are two variants of establishing a credit history: with co-signer credit cards and secured credit cards or unsecured credit cards for no/bad credit. In the first variant you can ask a good credit person (it can be your friend or relative) to become your co-signer, while you will be signed up as a co-borrower of the credit card. You’ll have different credit cards with different numbers, but the credit account and credit limit will be one. Your co-signer guarantees, that your credit will be paid off in full and on time. In the second variant, when you get a secured credit card, a guarantor of your payment is a bank deposit, which you make to cover the bank’s risks with the credit. The credit limit you obtain is equal to the amount of the deposit. If you pay off the debt in full and on time, you will increase your credit score and an unsecured credit card will be available to you.

User Name:
Tina Browning
Date:
January 17, 2007, 10:36 am

Please help, I have not applied for ANY card yet, lost a business in 2004, not in Bankruptcy, but have tax liens, have exc.job, need card with 3000.00 limit. son going to college and need immed. Please advise, Thanks

Answer:

Unfortunately, if you are facing a no credit situation, you cannot apply for a credit card with 3000.00 limit. To be eligible for such a credit limit, you are supposed to have a certain credit history and a credit score the size enough for 3000.00. Under the circumstances the best thing for you would be to apply for a Secured Credit Card which you can be approved of irrespective of your credit situation. Mind it, though, that you are supposed to make a beforehand deposit before you can get your card. The deposit makes up your credit limit, so you can define its size at your discretion.

Best,
Manager of Immediate Credit Card Care Service

User Name:
Gerald Dennis
Date:
January 19, 2007, 4:13 am

I have never had a credit card before and my credit history is fair to good which card should I think about applying for. We are planning several trips this summer and I would rather not carry alot of cash with me.

Answer:

If you are a fair credit consumer looking to apply for a credit card for the first time, the present web site will be of great use, helping you to compare credit cards online and choose a credit card best suiting your credit rating. We present you with a wide choice of Fair Credit Cards with best credit card rates and fees for customers who qualify. Before filling out the online credit card application, carefully study the terms and conditions of the particular credit card offer so as to obtain a credit card designed specially for your needs and credit history. You can find credit cards for limited credit history among Capital One credit card offers and First PREMIER Bank credit card offers. So, compare credit cards presented and apply online right now!

Best,
Manager of Immediate Credit Card Care Service

User Name:
James Williams
Date:
January 23, 2007, 5:12 am

We will be in Europe for about five weeks in Sept. & Oct. Is there any way to avoid those additional fees (usually 3%) charged by credit card companies each time I use my card?

Answer:

Well, usually, foreign exchange fees are fixed and cannot be cancelled. So, when you go abroad, you will inevitably be charged those 3% for exchaging the currency. But if you have a good or excellent credit history and a high credit score, you can think of applying for the American Express Blue Card which offers you only 2% of foreign exchange rate. Welcome to our site and look through the other credit cards presented which suggest a foreign exchange fee at as low a rate as 2% and save more money when travelling.

Best,
Manager of Immediate Credit Card Care Service

User Name:
Lillie Kennedy
Date:
January 30, 2007, 6:18 am

why can't i get a credit card to build my credit? i can get a car, jewelery but no credit card that makes no sence.

Answer:

When you are going to apply for a credit card with any credit history, you need to know your current credit rating to choose a credit card accordingly. For this, apply for a free copy of your credit report that provides your personal data (name, adress, social security, job and income) and includes financial tracking information (whether you applied for a loan, how many times you did it and how you repaid it). A credit card company will need the credit report to decide what credit card to issue you. So, if you are not approved for a credit card, it means you do not qualify. But we provide you with a wide range of no credit credit cards which are easy to be approved of. Compare credit cards for no credit history and apply now to start your credit.

Best,
Manager of Immediate Credit Card Care Service

User Name:
carolina Ascue
Date:
January 31, 2007, 3:52 am

my credit was pretty bad but i paid off 90 % of my debts. i need to know which credit card is best for me?

Answer:

First it’s advisable to pay off the remaining debts and begin to improve your credit history. For this purpose bad credit cards can be of great benefit. To choose the card, most suitable for you, determine your primary needs, the way you’ll be using your credit card, and the credit options, you want to take advantage of. Mind that bad credit doesn’t prevent you from getting instant approval on credit cards, and you can become the owner of some of the best credit cards, banks and credit companies have on offer. We recommend you to compare bad credit card applications to choose the right one for you.

Best,
Manager of Immediate Credit Card Care Service

User Name:
ANGELIQUE MARINO
Date:
February 16, 2007, 4:34 am

YES, IM LOOKING FOR A CREDIT CARD TO START ESTABLISHING CREDIT, CAN YOU PLEASE SEND ME A LIST OR TELL ME WHAT CARDS ARE GOOD FOR ME TO START BUILIDNG MY CREIDT!!

Answer:

If you have never had a credit before, the best thing for you to do would be to open a checking account or to ask for a small loan to start credit history. If you want to get your loan approved, make a down payment. Another good option is to apply for a secured credit card that requires a beforehand deposit and is held in special savings account. You can find all about secured credit cards at Secured Credit Cards. You can also ask a relative or a friend with a good credit history to be your co-signer: he or she applies for a good credit card, signs you up as a co-borrower and you pay off the credit on more beneficial terms, and accumulate credit points, but he/she is responsible for this credit as well.

Best,
Manager of Immediate Credit Card Care Service

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