Instant Credit Card Help

Date: April 4, 2007, 2:23 am

Yes i just start build up my cridets but i dont know which credit card is best to do that with.

You are free to choose one of the three basic variants of building a credit history. You can open a beforehand saving or checking account and then obtain a secured credit card . The sum you deposit will guarantee that you'll pay off your secured credit card in full and on time. The credit limit will be the same as your deposit. If your income is enough, then unsecured credit card (which doesn't require money deposit, but charges rather impressive fees and rates) can be a suitable variant for you. But first it's better to read terms and conditions of cards for no credit.
Co-signer card can also be your choice. In this case you can ask your friend or relative with good credit to be your co-signer. You'll be signed up as a co-borrower of his account when he gets online credit card approval on a good credit card. You'll accumulate points to your credit score using this credit limit.
It's up to you to decide which variant is the best for you. Consider all the advantages and disadvantages of various credit card deals and make your choice.

Date: April 7, 2007, 1:01 am

I have paid off everything on my credit report. I just did this in 2/2007. Some things that I paid off last year are still showing a balance or balance coming up N/A. I have made copies and am going to send them into each credit reporting company. I need to get my credit built up I was told by having a credit card, since I have no payments on any assets. I don't want to pay all those fees. Is there anything that you would suggest? And I don't want to be turned down, everytime they run my report it counts on my score. Please if you have any information that would help me, that would be great.

Kind Regards

If you want to build your credit and apply for a card, corresponding to your current credit score, you`ll have to admit that credit card fees are inevitable. However, we can recommend you to consider some tips to avoid regretting in your choice because of high hidden fees. Each card has their own billing structure and they can call these fees any number of different things: participation fee, monthly service charge, over limit fee, phone payment fee, late fee, annual membership fee etc. These fees also eat up your credit limit and you will be charged over limit fees if their fees take you over the limit. Many of these fees can be avoided by being on time and paying by check or online. Making phone payments, going over the limit, or being late will cost you significantly. So look carefully at the list of fees, which is inevitable, and choose the card with the shortest one. One section of your credit report lists inquiries. Remember, your credit score isn`t affected, if · your credit card company monitors your report to review your account with them, · creditors and insurers review your report to see if you qualify for an offer, · your employer orders your report or · you check your credit report yourself. The only credit report inquires that can lower your credit score are applications for new credit, and this is a usual practice.

Date: April 7, 2007, 1:02 am

Hello: I have been trying for months to get my credit card activated and have even sent in two or three payments without it even being activated and I still can't get it activatged. I have consulted a local attorney who says I should cancel this card and possibly file a small claims court case against your bank. My account is 4006-1000-0208-****. If this cannot be resolved within the next 48 hours, consider my card cancelled and I will no longer be making any payments on the card and I will request a refund of the money I've already paid.

Generally speaking, the function of our website is to present all kinds of bank credit cards for facilitating your choice of credit card application, complying with your personal needs and corresponding to your credit score. Also, we provide you respective assistance on credit card comparison to ensure the best choice. We do not issue credit cards, as well as we do not approve applicants for them. It`s not our prerogative to cancel your credit card or your account, and it`s beyond our competence to accept any kind of payments. What you can do is the following. Access the official site of your credit card issuer and contact their customer service, or learn toll-free phone number of customer service and call them up. Feel free to contact your credit card issuer, and you`re sure to solve all the problems occurred.

Date: April 7, 2007, 1:03 am

I want combin all my small bills to one payment a month. My small bills add up to $8,000. My credit scrore is 666 and my husband is 665. I want a low interst rate how do I go about doing this.

Since your credit score is 666, you`re lucky to have good credit. Therefore, you can easily choose one of low rate credit card applications, many of which provide balance transfer option for consolidating your credit debts. All you need is to compare online credit card applications and choose appropriate credit card. Mind, you can count getting rewards credit card or cash back credit cards, for example, Chase Freedom Visa card or CitBank credit card with rewards. Apply for a credit card online, get approved and enjoy saving your money!

Date: April 7, 2007, 1:06 am

how can i get cheaper interest rate on a credit card i already have

If you want to reduce the rates of your credit card, the most reasonable step you can undertake, is to apply directly to your credit card issuer. For this purpose you can always, 24-hours a day, call toll-free contact phone number, usually given on the back of credit card. You should ask credit card customer service manager, if it`s possible to reduce the rates. If you`ve recommended yourself as a reliable consumer, the bank may agree to do this, to motivate you to continue using their banking services. You can also say, that you will apply for another bank credit card with lower rates in case of their refusal. As the competition between credit card issuers is rather tough nowadays, the bank is most likely to come to your terms. Another option you can use, is to apply for one of low rate credit cards with balance transfer option with respect to your credit score.

Date: April 7, 2007, 1:07 am

i have a virginmobile stash card and it is a visia how can i make a deposit to my card so that i can buy things with the card

The Virgin Mobile Stash Prepaid Visa Card is issued by Inter National Bank. It is one of the pre-paid, or debit cards, which has nothing to do with online bank credit card applications we present at our site. The reloadable debit card allows you to only spend up to the amount you have pre-deposited into the account. What you can do is to visit your bank and fill in a special application therein and put the amount required into your personal bank account, or, in case you bank has online banking service, try to do it online. In case you have any kind of question concerning your Virgin Mobile Stash Prepaid Visa Card, you`re free to call toll-free phone number of customer service, which you`ll find on the back of your pre-paid card

Date: April 7, 2007, 1:07 am

which credit card can i get just having and ITIN number, not a social security?

The thing is that if you have American citizenship, you`re sure to have Social Security Number, which is always 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, delivering your personal information, you`re to 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. That?s why your Individual Taxpayer Identification Number (ITIN) isn`t sufficient. Nevertheless, your ITIN 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: April 7, 2007, 1:14 am

I am interested in you 4.99% credit card offer, I would like to consolidate a couple of bank loans how do I do this on the application there is space for credit card transfers

It`s very wise of you to apply for one of balance transfer credit cards to consolidate your debts. Balance transfer credit cards with fixed APR for balance transfers can save you much money in the long run. More than that, many balance transfer cards, including Blue American Express card, you seem to be applying for, and Discover Platinum credit card, require no fee for balance transfer operation. If you apply for a credit card online, you should fill in a special online credit card application, and, in case you apply for a balance transfer card, you should specify financial institution name or account number of loan or even some of them to fulfill the transaction procedure. There is a special space for these data within the application form.

Date: April 7, 2007, 1:17 am

I'm interested in opening a credit card for our union local. is there any way to do that?

Generally, our website`s function is to present the credit card applicants with up-to-date information and present online bank credit card applications for all categories of consumers and all kinds of spending habits. Unfortunately, we do not overlook credit cards, issued by credit unions. Still, we do certify that it`s quite possible to apply for a credit card or a loan at your local credit union, and the chances are pretty high that you`ll be approved, even if you`re haunted by your credit score. What you could do, is to contact your credit card union! You could come to them, call them or access their official site and fill in credit card application therein. Don`t hesitate, apply for a credit card, reinforce your financial position and improve your score!

Date: April 7, 2007, 1:18 am

i have been scame and i would like to speak to some one about my problem i would like a phone number so that i can call and speak to someone

Unfortunately, scam has become a routine practice nowadays. In the USA scam can be reported to the Federal Trade Commission (FTC) and to local and regional authorities. Perhaps, it would be a good decision, if you contact them as soon as possible and tell about your problem. Actually the purpose of our site is to provide the credit card applicants with up-to-date information and present online credit card applications for all categories of consumers. We're not provided with the banks' or credit card companies' or any other authorities' contact information, therefore we can`t give you the phone number required. Still we do hope that you`ll settle this unpleasant situation in some way. it could be also recommendable for you to read some anti-scam tips, which you could find in Internet.