Instant Credit Card Help

User Name: Leslie

Date: April 9, 2007, 2:26 pm

How can I get a lower interest rate on my credit card?

You can ask the bank to convert your account to the lowest available rate considering your payment history and longtime customer relationship. If your credit card company cannot satisfy your request you can apply for a new credit card with a lower interest rate. You can do it at our site. We present the lowest APR credit card deals for good or excellent credit. If your credit is good you can compare these credit card offers very carefully and choose the suitable card. At our site you can apply for this credit card online and wait for approval. If your credit history is not good you can compare interest rate of your card and credit cards for bad credit and fair credit cards. Perhaps, you will find a card with lower interest rate.

User Name: Jessica

Date: April 15, 2007, 7:45 pm

im 17, and im trying to build credit. is there a CREDIT card, not with a bank that i can apply for?

Yes, you can not get a credit card yourself, because you are less than 18 years old. But you can ask your parents to help you. They can set up an account, so you can learn to manage your own money. One of them can act as a co-signer on a new credit card application with you. You will be an authorized user on one or more their existing credit card accounts. You don't have to use the card, just file it. That will also report on your credit file. If your parents possess a high balance on that card then it will report on your credit file also. Your parents will be the cardholders and you'll be able to use the credit limit. Before applying for a card, your parents should turn to the credit bureau and find out what credit cards they are eligible for. And only then choose a credit card and apply for it. We offer you and your parents to look through credit cards for bad credit, fair credit cards , good credit cards and excellent credit cards presented at our site, and choose the suitable card.

User Name: Nichole Arthur-Hawkins

Date: April 16, 2007, 1:55 pm

I need a $500 dollar credit card today. How can I get one?

It depends on your situation. Unfortunately, you have not mentioned in your inquiry what your credit history is, to clear up some necessary moments. Before applying for a credit card we offer you to turn to a credit bureau and check your credit report to find out your credit score. Then you can choose a credit card corresponding to your credit score. We can help you. Our site presents credit cards for customers with different credit: no credit cards, bad credit cards, fair credit cards, good credit cards and excellent cards. You can choose the section of credit cards that corresponds to your credit score. Compare their features, limits and terms and make your choice. Apply for the credit card online. It is simple and safe.

User Name: paul williams

Date: April 18, 2007, 6:55 pm

im trying to find a credit card that has credit limit because i didnt have any credit at all so i just established credit by paying my bills.so can you please help me find a credit card that has no annual fee and credit limit so i can established more credit thank you Mr.williams

Try to get a copy of your credit report before applying for a card. Being turned down at the beginning of establishing credit history can negatively affect your report. Look through Bad/No Credit Card Deals section and select the card, meeting your requirements. Unfortunately, best no annual fee cards are designed for people with good credit who can apply for no annual fee card, belonging the best online offers with instant approval. As for credit limit, only creditors determine it, taking into account your creditworthiness. Nevertheless, if you read attentively the terms and conditions of no credit cards, you'll find them rather profitable. These cards can be a reliable way to begin establishing your credit history. You can give preference to a secured credit card (implies a cash deposit to the bank) as well as an unsecured card. The latter doesn't require a deposit but charges higher fees and rates. In case you have some problems in getting the card, you can ask a friend or a relative to be a co-signer. You're both responsible for the balance but if you fail to pay it off on time, the co-signer will have to do it for you. Mind that a co-signer should have good or excellent credit.

User Name: pum

Date: April 20, 2007, 9:05 am

I have horrible credit and was am turned down by everyone, but all my bad credit is old, how can I can get a credit card?

Whether your bad credit is old or recent you still have to request your credit report and learn your current score. If you have a bad score and want to improve your credit there are some cards you can apply for. Nowadays many banks, such as Columbus, Dakota, First PREMIER, Millennium and Orchard, offer deals for bad credit. On our site turn to the page devoted to such cards. Read all the details about each card, compare the present offers and choose one that suits your requirements. Another way to go is to apply for one of the so-called secured credit cards. With this card you will have to deposit some amount of money to guarantee your ability to pay. After you’ve chosen the card you like just click “apply” and submit an application online. The bank will consider it and send you the card by post. All the best, Manager of Immediate Credit Card Care Service

User Name: John NeSmith

Date: April 26, 2007, 12:57 am

Can I get a credit card if i have a co-signer

All credit cards for good and excellent credit actually allow to co-sign for someone. However you should mind that you can not apply with a co-signer right away online. If you are eager to get a card with a co-signer, you should undertake the following steps. First of all, person with good score (co-signer) applies online through our service for any good/excellent credit card. He/She gets approved. Then this person calls the issuer (bank) and says that he would like to be a co-signer for a person with bad score. He must tell social security of that person. Co-signer receives a statement by mail, that a person with bad credit must sign and send back. Now person with bad score shares an account with co-signer. By making timely payments person with bad credit will start building his credit history as his payment information will be sent to all credit bureaus every month. All the best, Manager of Immediate Credit Card Care Service

User Name: misty appleton

Date: April 27, 2007, 12:10 pm

i need $2,500.00 dollars today. i have bad credit,no bank acct, and i need it unsecured.is ther a
card for me?

Unfortunately if your credit is poor you are not likely to get a card with such high limit. The initial limit will be rather low – perhaps about several hundred dollars. If you have bad credit history and want to improve it there are some cards you can apply for. Nowadays many banks, such as Columbus, Dakota, First PREMIER, Millennium and Orchard, offer deals for bad credit. On our site turn to the page devoted to cards for no credit. Read all the details about each card, compare the present offers and choose one that suits your requirements. 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. After you’ve chosen the card you like just click “apply” and submit an application online. The bank will consider it and send you the card by post. All the best, Manager of Immediate Credit Card Care Service

User Name: christina

Date: May 3, 2007, 4:33 am

how soon can i use my credit account if approved?

If you want to get a loan you should apply for a credit card. There are lots of them and you must choose carefully according to you current credit score. In terms of credit history you can apply for a card for excellent credit, good, fair, bad or no credit. The process of application is very simple. Today you can receive a loan through the Web without leaving your apartment or office. You only need to fill the form and submit it online. The periods of considering your application may differ dramatically - from seconds (in case of instant approval) to weeks. After you are approved it takes only the time of delivery the statement of the bank and your card to you by post. That depends on where you live and other factors of that kind. When you receive the card and all the documentation, you may start using it.

User Name: Margaret

Date: May 3, 2007, 12:47 pm

When I go under the section\"No Fee Balance Transfers\" it gives me Discover Card Clear and there is a 3% Balance Transfer Fee of up to $75. What\'s up? I\'m looking for a no annual fee and no B/T fee credit card along with 0%.

A balance transfer means reallocating or consolidating your debt from a card with high interest rate 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 a period from 6 to 15 months. On our website you are welcome to look through the best balance transfer cards applications that will help you solve the problem of debt. None of these cards charge annual fee. The other terms however may differ, and it is only up to you to decide which offer suits you most. For example, Discover® Card offers 0% on balance transfers for quite a long intro period - 12 months; however if you wish something without balance transfer fees turn to Blue from American Express® and American Express IN:NYC. Compare all 0% balance transfer cards options properly, fill the application and submit it online. Mind that these cards are created primarily for people with good or excellent history, so request your report before applying for a card. All the best, Manager of Immediate Credit Card Care Service

User Name: tommy brono

Date: May 11, 2007, 1:58 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 All the best, Manager of Immediate Credit Card Care Service