Instant Credit Card Help

Date: February 18, 2008, 3:08 am

Need an unsecured credit card. Yet, my credit is bad.

Well, much depends on how bad your credit is. There exist credit card deals for clients with no credit, little or damaged credit. Unfortunately, we don’t have a clear picture of your situation and can’t say exactly, what cards are available for you. The deals are different in their options, some of them suppose no security deposit (completely unsecured) and credit limits increase, but the interests and fees may seem to you rather high. Probably your credit score can let you credit cards with rewards. We can only advise you to compare bad credit card applications and then make a decision. Best, Manager of Immediate Credit Card Care Service

Date: February 18, 2008, 3:08 am

If a married person has a credit card only in his or her name and his or her spouse is not in the contract, are both of them responsible for the debt or only the one that sign the contract?

When your husband or wife applies for a credit card and makes a credit card deal online, the credit card is issued in the name of the applicant. Thus, all the responsibility concerning spending with your credit card and paying its charges is laid on the actual credit card holder. If the credit consumer accumulates debt, then he is supposed to put it out himself. In case your husband or wife is facing a bad credit situation or bankruptcy, there are a number of ways to improve credit history. You can make, for example, a bad credit card deal or, if it doesn't help, resort to debt management plan. In both the cases, the best way to eliminate debt is to take your spending under control and to start paying for your credit card in full and on time.

Date: February 18, 2008, 3:08 am

Hi, I would like to begin to repair my bad credit. My husbands credit score is 760. I need to find a credit card that we can both be on AND one that will report to the major credit bureaus for MY credit. Possibly if he co-signs?? Or one that he would get and then add me as an authorized user. I've heard that not all of the credit cards will report on my credit report if I'm just an authorized order. But I've heard that some do and they would be my first choice as opposed to a co-signer due to the fact that when I put down his income as 'other household income', I still get turned down. Thanks in advance for your help

Whether you decide on joint finances or to keep them separate, the fact you are living together will still affect financial decisions that either of you makes, and that includes the application for, use of, and repayment of, credit card and other debts. With joint credit, you will both be 100% responsible for the debt, even if your husband co-signs a loan with you, or add your name to his credit card account. If, on the other hand, you decide to maintain separate credit, the general rule is that you are not responsible for each others debt. An exception to this may be if the debt is considered a family expense. Generally should one partner have had a bad credit record, it is advisable for the other to keep their credit separate. A joint credit application will be considered based on the two credit scores, and the lower one will drag down the other. Another option for you to repair your bad credit could be applying for one of bad credit cards. Most of the bad credit cards offered herein do report to the main nationwide credit bureaus and can help you to build your score. Still it`s up to you to decide, what way to choose for your credit rebuilding.

Date: February 18, 2008, 3:08 am

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 limited credit, fair credit cards , good credit cards and excellent credit cards presented at our site, and choose the suitable card.

Date: February 18, 2008, 3:08 am

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 limited credit and fair credit cards. Perhaps, you will find a card with lower interest rate.

Date: February 18, 2008, 3:08 am

My best scores are with TransUnion and Equifax. Which credit card uses them?

You see, TransUnion and Equifax are major credit bureaus. They collect information about consumers and send it to banks. Credit bureaus use this information in your credit report to determine your credit rating. Your credit score is very important because most creditors will use it to judge if you're a good credit risk. The credit bureaus do not issue any credit cards. If you know your credit score and want to get a credit card, you need to apply to the bank or credit company. We can help you to choose the credit card corresponding to your credit score and complying with your needs. At our site we present the best credit card offers from the leading credit card issuers. Unfortunately, we do not know the exact amount of your credit score to advise you the specific credit card. You need just look through our credit cards for fair credit (with a credit score of 620-659), good credit credit cards (660-749) and excellent credit cards (750-850). Compare their features and terms very carefully to make the right choice. At our site you can apply for the credit card online. Complete an application form and wait for approval.

Date: February 18, 2008, 3:08 am

I currently have a score of 597. I am seriously trying to raise my credit so me and my family can get a home , we have been renting for 3 yrs. in good standing but....the money goes to the wind!! I recently paid off my collection debts.How long should it take (aprox) for this to show on my C.R.? There were 3 debts.of only a total of 741.00, Aprox. how much can I look for my score to go up? Is it possible to get a decent APR credit card now? I understand that I need credit loans and currently have none. But I don't want to make credit inquires that are unnecessary. I also became a Sheriffs Deputy ab a year ago how can I get this job change to show on my CReport? I feel this may help with potential credit inquires, is this true? Also I paid off my truck in 250. pym. in 2 yrs after dwn. pym. but they do not report is there a way to change this. I am not sure what else I can do to obtain credit without a credit card or a co- signer but I do not want the pay this this and this then you can have 50.00 credit .bs

You see, we do not have any kind of access to your personal information. You need to turn to your bank or to the credit bureau directly and ask all your questions. Credit Bureaus access your information from the company you have a credit with and use this information in your credit report to determine your credit rating. Your consumer report tells everything about you: where you work and live, timeliness of your bill payments and so on. So, only a credit bureau can make some corrections in your credit report. Your credit score means that you have a bad credit. At our site you can find the detailed information about bad credit cards. Such cards can help you to rebuild your credit history. You need just compare their terms, make a choice and apply for this card online at our site.

Date: April 4, 2008, 2:26 am

i need to get a credit card of 5000 or more but my credit is between poor and fair.but i dont know were to look. or what to do can you help me?

If you have poor credit rating you are not likely to get a $5000 credit limit. The banks need to be sure in your credit worthiness. So you can only apply for a limited credit card. You will get around $300 credit limit. The bank will watch how you use it and may in several months increase your credit line. You have to prove to be a responsible cardholder. This is the only way you can improve your credit score to be eligible for better cards in the future.

Date: May 23, 2008, 7:30 am

can I get a credit card with a score of

This credit score means that you possess a bad credit. At our site you can find the best credit card deals for U.S. residents with bad credit. If you live in the U.S. we can advise you Centennial Gold MasterCard or Visa from First Premier Bank. This card offers you a low 9,9% interest rate on purchases and 19,9% for cash advances. At our site you can find more bad credit credit card offers, compare their features and terms and choose a credit card that can help you rebuild your credit. Also, at our site you can make a credit card application online.

Date: July 4, 2008, 1:29 am

Hi I was wondering how i wouldbe able to get a unsecured card while having bad credit. my scores are in the 540 range. All i ever get are secured offers right now and when i have applied with first premiere I havent got any offers in the mail. Thanks

If you have bad credit, there are several ways to improve it. You can either apply for a secured credit card with a collateral, or apply for a plastic with a co-signer, or get an unsecured credit card for bad/no credit history. Bad credit card enables you to prove your credit worthiness to the bank and to get a better deal in future. Compare all credit cards for bad/no credit collected on the site and apply for the suitable one online.