Instant Credit Card Help

Date: February 18, 2008, 3:08 am

I have a bad credit and i want to start building it up and i do have offers from Orchard Bank, Washington Mutual, Capitol One, First Premire and some that i cant remember now. I have Bank of America credit card now ..just one card. Please advise me on how to get started and which card to choose from.

Thanks.

First of all, if you are going to rebuild your credit, analyze the situation. Ask for a free copy of your credit report and find your credit score and estimate the extent of your credit rating damage. It will help you to decide what credit card offer will suit you best in your situation. So, we advise you to consider applying for Bad Credit Credit Cards provided on the web site which allow instant online credit card approval if the personal data you write in the application form corresponds to the requirements of the credit card company. Searching to make the best credit card deal with bad credit, you can also go to the page of First PREMIER Bank credit cards and Orchard Bank credit cards which offer best fees and rates for customers with bad credit. Before you fill out the online credit card application, carefully read the terms and conditions as many of bad credit credit crds are secured which means you make a beforehand money deposit to get approved. Best, Manager of Immediate Credit Card Care Service

Date: February 18, 2008, 3:08 am

i have bad credit what type of credit card can i get now. i do not want a card that i have to put money on it. i am in the process of straightenening my credit out

If you have a poor credit (below 620) and want to raise your score 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. 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 pay all the bills on time. The unsecured cards can be a helpful tool in rebuilding your credit, if you use them properly (make all the payments on time). Look through the page devoted to the cards for bad credit and choose the card you like. Compare all of the terms and conditions attentively. Fill the application and wait for an approval.

Date: February 18, 2008, 3:08 am

can you help me find a credit card to help me ?

If you have decided to apply for a credit card, the most significant thing is to choose for which of them to apply. Our web-site is meant to help you in this choice. Here you are able to find useful 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 very important 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 appropriate category look through the present deals. Read all the information concerning each card and apply for onó that suits your requirements and needs. If you have any questions concerning the choice of cards, we'll gladly try to help you. All the best, Manager of Immediate Credit Card Care Service

Date: February 18, 2008, 3:08 am

i have recived a orchard bank gold card offer in the mail recently and my boyfriend and i want to put it under the both of our name, what do we do about that can we put both of our name on it or just one of us? and if not could we recive another application for him so he could get his own? please get back at me thank you.--Crystal

If you want to put your credit card under both of your names, you should open a joint credit card account. It usually involves a main (or principal) cardholder and secondary or additional cardholder called an authorized user. He receives his own card with his name on it. Only the main cardholder is responsible for repaying money owed on the credit card. The bank reports the credit history of a joint account to credit bureaus in both names. You need to apply to your bank for more detailed information. Its representatives are supposed to answer your entire questions. At our site you can find more information about Orchard Bank and its Orchard Bank Gold MasterCard.

Date: February 18, 2008, 3:08 am

what is the best credit card if you have bad credit.

If you want to rebuild your credit history, you can search for a credit card among the Orchard Bank deals. We would like to recommend you to pay your attention to Orchard Bank Classic MasterCard. It has low annual fee, low rates, monthly reporting to 3 major credit bureaus. It is a perfect option to improve your credit. In several months if you prove to be a responsible cardholder they will probably raise your credit line and offer you better terms.

Date: February 18, 2008, 3:08 am

I just can't find a credit card that fits me I don't have a bank account and I am trying to establish credit so I mean what card would be for me (And I don't want a prepaid card either I think they're pointless)

If your credit is not so good and you wish to establish it there are several ways for you to go. First of all you can apply for the so-called secured credit card, there are some variants of them on our web-site. But mind, that if you want to get such card you'll have to deposit some money to ensure that you'll be able to pay off. However if you are not eager to deposit anything you are still eligible for a card. Pay your attention to the unsecured cards for bad credit from First PREMIER bank. You can find them on our web-site. Compare them, read all the details concerning terms and payments and choose the one that satisfies your requirements.

Date: February 18, 2008, 3:08 am

I have a tax id number can I aply for a credit card

If you`re an official resident of the USA, you`re supposed to have Social Security Number, which is required while filling in credit card application. If you don`t have SSN, you should get it, applying fir it online or in some other way applicable. Once you apply for a credit card, you give a personal guarantee for paying off the credit card debt. Thus, you give your social security number and the bank makes an inquiry to your credit report and analyzes your credit history. As you use a credit card, the information about it is reflected in your personal credit history. Generally speaking, your tax ID may be used, when applying for a business credit card provided your business credit history is good. It means you should have good personal credit and be accurate in payments for business credit cards for 5 years to be able to use your tax ID for applications.

Date: February 18, 2008, 3:08 am

Can I apply for a credit card with just a taxpayer id?

If you`re an official resident of the USA, you`re supposed to have Social Security Number, which is required, while filling in credit card application. If you don`t have SSN, you should get it, applying for it online or in some other way applicable. Once you apply for a credit card, you give a personal guarantee for paying off the credit card debt. Thus, you give your social security number and the bank makes an inquiry to your credit report and analyzes your credit history. As you use a credit card, the information about it is reflected in your personal credit history. Generally speaking, your tax ID may be used, when applying for a business credit card provided your business credit history is good. It means you should have good personal credit and be accurate in payments for business credit cards for 5 years to be able to use your tax ID for applications.

Date: February 18, 2008, 3:08 am

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, limited 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.

Date: February 18, 2008, 3:08 am

how can i find a credit caqrd with low apr and not annual fees??

Our web-site gives you an opportunity to compare the best credit cards and choose the one that complies with your needs and requirements. However before applying for a card you should request your credit report and learn your credit score. It is the main factor of your creditworthiness and by far determines your chances to be approved for this or that card. If your score is either good or excellent you are welcome to choose among the credit cards with the lowest APR. On the page devoted to such cards you can find several variants from American Express and Discover. None if them actually charges annual fee. Read all the information about each card carefully and then apply for the chosen card online through our service.