Instant Credit Card Help

Date: February 18, 2008, 3:08 am

whats the best way to get credit cards for my business when i have bad credit ?

Our website gives you an opportunity to compare the business credit deals for your special needs and financial plans. Nowadays banks present a great variety of online applications for small new businesses. Among the best online business deals, presented at our site, you can find best offers from the USA top companies and banks - Visa®, MasterCard®, American Express® and others. However the best business offers presented here are bank products issued mostly for good-to-excellent score owners (above 660), requiring financial discipline and responsibility to apply for them. So, if your score is bad unfortunately you are not eligible for them yet. Improve your score to be able to apply for one of the best business credit cards.

Date: February 18, 2008, 3:08 am

Hi, I'm rebuilding my credit. My middle score is a 616, and was wondering which offer would be best for me. I do not want to pay "processing fees" and "program fees". Thank you.

Since your credit score is about 616, you have bad credit, which needs improvement. The cards you can afford are bad credit cards, issued by Orchard bank, First PREMIER bank and New Millennium bank. Among these cards you can select either secured credit card, the credit limit of which will depend on your bank account amount, or an unsecured credit card, requiring no security deposit. To be aware of fees applicable in each case, you should study credit card terms and conditions thoroughly, and choose bad credit card, ensuring the most convenient terms. Compare credit cards elaborately and apply for a credit card needed online!

Date: February 18, 2008, 3:08 am

what is my credit card limit

The credit limit is the maximum amount of money you may charge on your credit card. This limit is primarily defined by your credit risk. Only the bank can determine it. So, it depends on the terms of your card, on your income and may be changed as your credit history changes. The better payer you prove to be, the higher limit you'll be given. That's why before applying for a card consider your credit report and estimate your financial state. If your score is poor you'll probably be given a limit of several hundred dollars. If your history is good, the limit will amount to several thousand. All in all, it is only the bank that can decide what limit you will be given; we can't indicate the amount for sure. Keep in mind that the limit is not a constant figure, it may change as your score changes. And it may not only go up, but also go considerably down. That's why if you want the higher limit you must use your credit lightly, pay all the bills on time and keep your score as high as possible. In this case you'll be able to apply for the best credit cards with the highest limits.

Date: February 18, 2008, 3:08 am

i am having a difficult time getting a visa or master card thou my credit score is 632. i have within the last year had three bank loans and paid off before time. any suggestions

The credit score is crucial as it helps the lenders to decide whether you qualify for the chosen card or not. Paying attention to the score is extremely important, because if you apply for the card you are not eligible for you'll be denied and your history will be damaged. Nowadays people with all types of scores can actually apply for a credit card and be approved. If your score amounts to 634 that puts you into the "fair" credit category. That's why we recommend you to choose among the cards for fair credit. On our website you can find several variants of such cards from the leading banks. Read the details about each card carefully and apply for the one that suits you most. All the best, Manager of Immediate Credit Card Care Service

Date: February 18, 2008, 3:08 am

which credit card will give me at least 1000 dollars to pay off some bills

The creditors define the sum themselves, according to the person's credit abilities. It depends on such an important factor as credit history. Look through our site, read all terms and conditions and choose the card, suitable for you. Then it is better to contact the bank and clear out this question there. You can get an appropriate card according to your credit history. At our site you can find a variety of cards designed for all types of customers. We offer Excellent Credit Card Deals for those who possess an excellent credit history (score of 800 and more). An excellent credit score allows you to get cards with best terms and conditions like 0% APR, no annual fee credit cards, etc. If you possess good credit score (660-749), look for Good Credit Card Deals page. If you have got a fair credit score (620-659), look through Fair Credit Card Deals and apply online for a fair credit card. Also look at No Credit Card Deals (0 score) and Limited Credit Card Deals to apply online for a credit card (350-619 score).

Date: February 18, 2008, 3:08 am

How can I repair my credit history?

The process of repairing of credit history takes time. First of all you should apply for bad credit card. We advise you to have a look at deals of First PREMIER Bank. They have some beneficial advantage, like relatively low APR on purchases. Even though these deals have worse terms than deals for good credit they will help you to improve your credit. The bank will first establish rather small credit limit for you - about $300. They will watch how you pay your bills. If everything is fine, in six months or a year they usually raise your credit limit. Start building your credit history today!

Date: February 18, 2008, 3:08 am

i have bad credit i am a student i need to get a credit card for school and i don't have a co-signer
what can i do

There are special credit cards for high school and college students. Such cards give perfect terms for young people with bad or no credit history. This is one of the best ways to build your credit history while you are in your twenties. Have a look at student credit deals in the corresponding section of the site, make your choice and apply online.

Date: February 18, 2008, 3:08 am

It seems that I am always denied a credit card due to employment history or the false assumption that I did not repay a past credit interest charge. So,if I am now hooked on having a credit card now-how should I be able to get a credit card without being denied again?

There could be different reasons for refusals you`re getting from credit card companies. The most evident reason could be your credit score, which is probably lower than the average and needs improvement. Therefore the first thing you`re recommended to do is to get your credit score from nationwide credit bureaus: Experian, TransUnion, and Equifax. Also, you can order your credit score through the official online source established for this purpose. If your credit score is far from perfection, you can apply for one of bad credit cards, and repair your credit eventually. Applying for one of guaranteed approval credit cards you`re sure to be approved. Regard these card deals, and you`ll see there are secured credit card applications from Orchard bank and New Millennium bank, offering secured credit cards, the credit limit of which is determined by your bank account amount. If your purpose is to obtain an unsecured credit card, you can also consider credit card applications from Orchard bank and First PREMIER bank, providing instant approval. Compare credit cards available now, choose the one, which seems the most convenient and improve your credit score in due time!

Date: February 18, 2008, 3:08 am

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 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.

Date: February 18, 2008, 3:08 am

I would like to find a card that has the best deal on balance transfers. I have a fair credit rating and would like to improve that, but have outstanding credit card debt on high interest credit cards. Which credit card(s) would you recommend?

Unfortunately you can't qualify for the best balance transfer deals with fair credit history. In your case we advise you to apply for special credit cards designed especially for a credit that needs some improvement. You can find offers with no annual fee, reasonable ongoing APR and other options. Apply for a credit card that suits your current needs most and improve your credit history to qualify for best cards.