Instant Credit Card Help

User Name: Joanne Paraschak

Date: January 31, 2007, 4:44 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!

User Name: elizabeth

Date: January 31, 2007, 4:46 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.

User Name: Roseanna

Date: January 31, 2007, 5:34 am

Can I apply for a canadian credit card or one from the UK even if I am from the usa?

If you`re 18 and have American citizenship and, consequently, your Social Security Number, you`re welcome to apply for a credit card for American residents with us. Actually, Canada credit cards and UK credit cards are assigned for foreign applicants, namely, for Canadian and UK residents respectively. It seems that you`re planning to use your credit card abroad. If so, don`t worry, while almost all credit cards issued by the most respectful credit card companies are valid worldwide. The only thing you should be aware of, are foreign transaction fees, some credit card demand. Compare credit cards attentively and apply for one, corresponding to your needs and complying with your credit score!

User Name: julian

Date: February 1, 2007, 8:45 pm

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.

User Name: craig

Date: February 5, 2007, 9:04 pm

what should my credit score be to obtain a good credit card such as chase, or at&t?

Actually, Chase bank offers credit card deals for customers with good and excellent credit history. This is the range between 660 and 850 points. Note that different credit bureaus use different calculation methods and sometimes your financial information is not full and up-to-date. It's better to get your credit report from the three credit agencies - Equifax, Experian and TransUnion. Choose your Chase from the multitude of credit card deals. Among the top credit card deals you will find Chase Bank Platinum Visa. It provides 0% initial APR for 12 months, charges no annual fee. Enjoy the flexible rewards program. The intro APR and the balances period will depend on the review of your credit history. Get points for spent dollars. Apply online for a credit card deal!

User Name: bonnie

Date: February 6, 2007, 7:49 pm

how is cash back offers applied, as checks at end of month or credit on credit cards at endof month or year?

If you want to obtain one of cash back credit cards, you should be aware that they can be different. Among them you can find cash rebate credit cards, for example, Blue Cash American Express credit card and Discover Platinum credit card, providing 5 % cash back for almost all purchases right on the spot. And you can also apply for cash rewards credit cards, allowing to redeem points earned and to enjoy discounts and perks. Thus, you can pick up Chase Freedom Visa card with 3% cash back for every $1 in eligible purchases at gas stations, grocery stores and restaurants, and opportunity to reach $50 in rewards and redeem for a $50 check, or save up $200 in rewards and redeem for $250 cash back. It`s up to you to decide what cash back credit card to prefer, but all of them will save your money greatly. Compare credit cards with us, analyze credit cards? terms and conditions in depth, take into account your individual needs and make the choice, which will never disappoint you!

User Name: Anz

Date: February 7, 2007, 7:51 pm

I have good credit normally but due to my husband being out of work for the last six months, my credit score has gone down since I have had to take over household items as well as my normal payments thus my current credit cards are behind now a month to two. Can you advise me to which card offer to get to transfer balances with maybe a lower interest for at least a few months and not a high annual fee?

The most reasonable step you should make before you choose any credit card online is to check your credit report. The thing is that you may apply for some credit card, but your credit score isn’t enough for it. This results in refusal you’re getting from a credit card company, and spoils your credit history.
If your good credit score went down, you’re likely to have fair credit rating now. This means you can regard of fair credit cards intended to strengthen your credit. Some fair credit card applications, for example, credit card deals from Capital One bank can offer you a fair credit card with balance transfer option. Any way, your first move is to verify your credit score.

User Name: ceci

Date: February 8, 2007, 3:19 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.

User Name: Travis

Date: February 9, 2007, 4:00 pm

when will my credit card come via mail?

If you’d applied for one of instant approval credit cards and got online credit card approval you’re absolutely sure to receive your credit card by mail in a week or two.
In case the card delivery is delayed, and you’re worried about it, you can access the official site of your credit card issuer and contact their customer service. Irrespective of your credit history and consumer category you’re sure to get all necessary information concerning your credit card delivery.

User Name: Tiffany

Date: February 12, 2007, 10:20 am

I am a first time credit card user and I am not sure wich one to get, I need a 5,000-7,000 limit? what do I do??
tiffanyd_2@yahoo.com

As a beginning credit consumer, you cannot possibly hope to get a guaranteed online credit card approval for the best credit cards online that can offer you a credit line of 5,000-7,000. If you have never applied for a credit card and so have no credit history, the best option for you would be a secured credit card which is a credit card designed specially for starters. A secured credit card requires you to make a beforehand cash deposit (usually beginning from $200) which serves as an additional assurance for your creditors that you'll repay. If you default on your monthly bills, part of the money will be taken from the deposit as a compensation for your lender's money. Such a credit card is not so attractive as good or excellent credit cards but it really helps to establish a favorable and strong credit history.

Best,
Manager of Immediate Credit Card Care Service