Instant Credit Card Help

User Name: Alyssa

Date: February 18, 2007, 7:45 pm

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 other?s 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.

User Name: Matthew

Date: February 21, 2007, 9:59 pm

what credit card can i apply for, that i can recive the quickest

To accelerate the procedure of getting a credit card you should apply for one of instant approval credit cards. If you’re approved for an instant approval credit card, you’ll get your credit card number online, thereby gaining an opportunity to use your credit card the same day, for example, for online purchases.
Getting online credit card approval you have to wait a week or two until your card will be delivered to you by mail.
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: Mary Cloud

Date: February 23, 2007, 6:03 pm

were do i put my #number i got to day in the mail

As far as it comes from your inquiry, you seem to have got one of pre-approved credit card invitations. Credit card companies use this way of recruiting new credit card users. Once you’ve received pre-approved credit card application, you’re absolutely sure to qualify for the credit card offered.
If you really want to obtain the credit card applicable, you should contact the credit card issuer as soon as possible. There should be contact information within the letter you’ve received and, most probably, toll-free customer service phone number. Contact the service manager of your credit card issuer and assume, you want to activate your credit card. The customer service will provide you with all necessary instructions to complete the procedure of card activation. In case you haven’t find any contact information within the invitation and, perhaps, just requirements to pay for something, you can consider this letter a scam.

User Name: Lilly

Date: February 24, 2007, 10:12 pm

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.

User Name: megan

Date: February 27, 2007, 4:42 am

I just applied for an instant approval credit card. I was approved, but did not receive a card number. All I got was a page up that said i was approved and that my card is in the mail. Do I have to wait for it to come in the mail before I can use it?

A general rule for those who apply for instant approval credit cards text
is looking through the terms and conditions before filling out the application form. In them the bank indicates for how long you will have to wait for your credit card to be delivred to you. Usually instant approval credit cards don't mean they can be used immediately, so you are supposed to wait for several business days for your card or for the card number.

User Name: Brenton

Date: February 27, 2007, 6:02 pm

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!

User Name: Pelesi

Date: March 1, 2007, 9:02 pm

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.

User Name: Kerry

Date: March 1, 2007, 10:51 pm

Chase Bank
Chase Business Rebate Visa?
I was wondering if the credit card above charges a transfer fee for the first transfer. Do all of them?

Chase Bank Business Rebate card is one of the best business credit cards available. It provides about $35,000 for your business and is capable of reducing your expenditures by ensuring cash back on purchases and gasoline. Obtaining this credit card you`ll have 0% APR on balance transfer operations within intro period of 12 months. Still, Chase card charges transfer fees depending on the sum of money transferred. If you ?d like to get no balance transfer fees credit card for your business, you can apply for one of Citibank credit cards, such as, for example, CitiBank Business credit card or Citibank Professional credit card.

User Name: michel

Date: March 2, 2007, 6:44 pm

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.

User Name: calvin

Date: March 4, 2007, 4:57 pm

i want a transfer card that i can transfer 28000.00 to with low monthly payments,i have fair credit,i pay my cards every month.it would be easier to pay one bill.help me out.

If you've checked your credit report and made sure that your credit score corresponds to a fair credit history, you can accept one of credit card offers from Capital One. This bank presents a good choice of balance transfer credit cards for fair credit customers. But before you make a decision and file one of the balance transfer card applications, it's necessary to read terms and conditions of the cards you are interested in to choose the one, designed for you. When you determine your primary needs and the options and benefits you'd like to take advantage of (for instance, extended warranties on what you buy, no annual fee, no balance transfer fee and so on), it will be easier for you to make a choice. Find the available balance transfer cards among fair credit card deals and choose the right one for you.