Instant Credit Card Help

Date: July 13, 2007, 4:49 pm

which card is a secured credit card for poor credit? A card in which you can increase your line of credit by adding on or wiring cash to increase your line of credit?

Nowadays different banks offer their customers numerous types of cards. The issuers are eager to attract people with bad history. At the same time if the risk is rather high the banks want to ensure that they will get their money back. For such cases the so-called secured credit cards are designed. This type of credit card is linked to a bank account, allowing a credit card company to deduct payment if the cardholder fails to pay. To obtain a secured card, a consumer must deposit an amount of money equal to the credit limit of the card into a bank account. The amount in the account usually determines the limit on the credit card. As secured cards present reduce risk factor for creditors they are therefore much easier to obtain. Consider and compare the best secured offers from Orchard, Millennium and MetaBank. Read all the details, choose the one that suits you most and apply for it online. All the best, Manager of Immediate Credit Card Care Service

Date: July 18, 2007, 5:10 pm

How do I know what type of card to apply for?

If you want to apply for a credit card, the most significant thing is to choose for which of them you are eligible for. On our web-site you are able to find adequate information about all types of them - bad/no history credit cards, cards for fair credit, best cards of all, etc. The first and the most crucial thing you should do is to request your credit report and choose one according to your current score. Mind that your score is of extreme significance and by far determines your opportunities. Make your choice carefully because if your score is not high enough you'll be denied and your score will be further damaged. If your current score is below 620 turn to bad credit offers, if it amounts to 620-659 choose among fair credit cards, and if it is above 660 you are eligible for deals for people with good history. After you've chosen the card you need you only have to fill the required application form and submit it online. All the best, Manager of Immediate Credit Card Care Service

Date: August 7, 2007, 8:17 pm

what is the best rated credit card for a balance trasfer and low rates?

A credit card balance transfer means reallocating your debt from high rate card to a better one. It's often used to save money, because the majority of credit companies offer no annual fee and 0% APR on balance transfers for new customers. Besides, it is also possible to consolidate debt from more than one card. These cards are created primarily for people with good or excellent history. If your lowest score amounts to more than 660, you are certainly eligible for one of the 0% balance transfer cards. On our site you can find the best balance transfer cards applications that will help you solve the problem of debt. Their terms differ, and it is only up to you to decide which offer suit you most. For example, Discover® Card offers 0% on balance transfers for 12 months and Blue from American Express® and American Express IN:NYC charge no balance transfer fees. Compare all 0% balance transfer cards options properly, fill the application and submit it online. All the best, Manager of Immediate Credit Card Care Service

Date: August 9, 2007, 3:45 pm

Is it possible to get a credit card in one day?

When you submit an application for a card approval can in fact take various periods of time. The quickest way is to get an instant approval that normally requires only a few minutes. On out site you can look through the several variants of cards with the instant approval from various issuers. In some cases, though not always, you can start using the money immediately after getting an approval. If you get instant approval, bank can show you your credit card number and expiration date right away. So you will be able to shop online or by the phone with it. However you will not be able to go to the store because you won't have the card itself. Also mind that you won't be able to use your whole credit limit before your card arrives for security reasons. Finally, it must be emphasized that there are no cards that will guarantee you that. Some customers get this option, but not all, probably for security reasons. All the best, Manager of Immediate Credit Card Care Service

Date: September 30, 2007, 10:11 am

If I get approved for a bad credit, credit crad, can I begin using the card immediately? Or do I have to wait to receive the CC in the mail before I can begin using it?

When you apply for a card approval can in fact take various periods of time. The quickest way is to get an instant approval that generally requires only a few minutes. On out site you can look through the several variants of cards with the instant approval, including offers for bad score from First PREMIER. In some cases (but no always!) you can start using the money immediately after getting an approval. If you get instant approval, bank can show you your credit card number and expiration date right away. So you will be able to shop online or by the phone with it. However you will not be able to go to the store because you won't have the card itself. Also mind that you won't be able to use your whole credit limit before your card arrives for security reasons. Finally, it must be emphasized that there are no cards that will guarantee you that. Moreover, this option is unlikely to be provided for bad credit. Thus, in most cases you will have to wait for the plastic card to arrive to you by mail. All the best, Manager of Immediate Credit Card Care Service

Date: November 23, 2007, 4:33 am

i have poor credit rate, but i have a co-signer with excellent credit, who can apply with me. Which card can i apply for, because i couldnt find one with a space where i can fill him in.

You can apply for any credit card for good or excellent credit with a co-signer. But you cannot do it online. This is how it works: a co-signer applies for any good or excellent credit card online. After he gets approved he calls a bank and says he would like to add someone to his account and be a co-signer for this person. Then he receives a statement by mail, you sign it and send back. Now you share an account with co-signer. You will have different credit cards with different numbers. But you will have one account and credit limit. By making timely payments you will build your credit history. Your payment history will be sent to all credit bureaus every month.

Date: December 21, 2007, 6:02 am

How soon can I use my credit if I qualify for an Instant Approval card?

Sometimes you can start using your credit card right after approval (Blue from American Express for example). It depends on a card that you have. If you get instant approval, bank can show you your credit card number and expiration date right away. You can shop online or by phone with it. You obviously can't go to the store, because you don't have the card yet. And there is a limited amount of money that you may spend. For instance, if you have a credit line of $5,000 you can only use about $500 before your card arrives. This is done for security reasons. And this doesn't work always. There are no cards that will guarantee you that.

Date: February 18, 2008, 3:08 am

Are there credit cards for people with fair to not so good credit that offer balance transfers

Balance transfer is a well-known way to consolidate the whole debt on the one card with better terms – lower APR, 0% intro APR for balance transfers, no extra fees, etc. Thus, balance transfer cards can be fine if you want to reduce your debt and to save your money. However the best balance transfer cards are only available for consumers with either good or excellent credit (that is whose credit score is above 620). Still, even if your score has not yet reached this level you still may make a transfer of balance. There are cards for people with fair and bad credit that allow balance transfers. These are the cards for the people who want to improve their history. They offer no introductory period with 0% APR, nevertheless the balance transfer is available. Consider all the information concerning these cards and if they satisfy your requirements apply for one of them online.

Date: February 18, 2008, 3:08 am

I JUST NEED ONE CREDIT CARD TO PAY ALL MY BILLS I JUST NEED ONE CREDIT CARD WITH A CREDIT LIMIT UP TO 5000,OO OR 1000,OO TO PAY OFF EVERYTHING TO GET STARTED AND THEN I CAN GET MY CREDIT TOGETHER I JUST DON,T WANT TO GET BEHIND IN MY BILLS PAYING ALL THESE DIFFERENT CREDIT CARDS I JUST WANT 1OR 2 ONCE I PLAY CATCH UP IN MY BILLS. WHY IS IT SO HARD TO GET THAT ONE CREDIT CARD THAT PAY EVERY THING AND I WILL HAVE NO PROBLEM PAYING OFF MY CREDIT CARDS BECAUSE IT WILL ONLY BE ONE BILL WHY.

If you are eager to consolidate your debt on one credit card you should turn to the so-called balance transfer cards. These cards allow you to reallocate your balance from one or several cards with high interest rates to one with better terms. In order to get a card you should first of all request your report and assess your current state. Mind that the best balance transfer deals are only available for those whose score is either good or excellent. If your score is below 660 you won’t be offered 0% on balance transfers for a period from 6 to 15 months, no annual fee and other favorable terms. There are also balance transfer cards for people with fair history. So, choose the card you want according to your current score, fill the required application form and submit it online.

Date: February 18, 2008, 3:08 am

i need to know of a credit card co willing to give me a credit card without having a bank account. Im am looking to establish credit.

Nowadays it is possible for people with bad credit to apply for an unsecured credit card and be approved. Unlike secured credit cards that require a deposit to the bank, unsecured credit cards don't demand to deposit anything. However unsecured cards for bad credit generally charge higher interest rates and fees. The initial credit limit is generally low; it'll increase gradually as long as you make all the payments on time. The unsecured cards can be a helpful tool in establishing your credit, if you use them properly. On our website you can look through several variants of unsecured cards for bad credit from Orchard Bank and First PREMIER. You are welcome to compare all of the terms and conditions and choose the card that suits your needs. After that just fill the application and submit it online.