Date:
December 24, 2007, 12:51 am

my question is, when you get an instant approval, does this mean you can purchase the same day? i need a card INSTANTLY to buy presents (you know), what can i do?

Actually, it all depends on a card. If you get instant approval the bank can show you your credit card number and expiration date immediately. You can shop online or by phone. You obviously can not shop at any merchant as you do not have a card yet. And there is a limited amount of money you can spend before your card arrives. This is a security measure. And there are no cards that will guarantee you that. For instance, Blue from American Express gives this option to some customers and refuses to provide it to the others. The decision is up to the issuer. We recommend you to find out all the details at the bank.

Date:
January 11, 2008, 6:10 am

I applied for a credit card and got 0%APR until a year. So what i tried to do is that, I would cancel that credit card before a time offer over. Then I apply for a new one. I do not know if it is good to do so in order to build a good credit?

If you are intended to build a good credit, it is strongly recommended that you don't cancel your credit card when the 0% introductory period is over. We advise you to pay off your balance and to keep a card. Even when you don't use it your credit history is being built and improved, because when you have no debts, the bank doesn't have any problems with you. And if you close your account, your score will go down.

Date:
January 25, 2008, 8:12 am

I want to know that if I already have a credit card, can I get another one , I need to transfer from a high interest to Discovery you guys have a lower interest

Transferring your balance from one card onto another with lower interest is the best way to save money. The More Card - American Flag by Discover Bank is a really good choice of balance transfer card. This card requires good or excellent credit history. It has 0% introductory APR, no annual fee, 5% cash back bonus, unlimited cash rewards, fraud protection, and much more!

Date:
April 2, 2008, 7:37 am

I need to make a payment on my priority club visa, but have not recieved a bill--we have recently moved -so I need to connect to on line payments.

Unfortunately, we don't provide online payments opportunities. This website provides information on credit card deals and online credit applications. We act as mediators between the banks and customers. You are getiing automatically redirected to the official website of the bank. For all the information and questions on online payments contact your credit card issuer or visit their website.

Date:
April 21, 2008, 6:05 am

The Discover Card application states there is no grace period for balance transfers.......what does that mean?? thanks

A grace period is a time allowed to pay your credit card bill without being charged a finance charge or late payment fee. It is usually 20-25 days. Grace period is a number of days you have to pay your balance in full without paying a finance charge. For example, the credit card issuer may say that you have "20 days from the statement date, provided you paid your previous balance in full by the due date." The statement date is written on the bill. The grace period is usually applied only to new purchases. Most credit cards do not offer a grace period for cash advances and balance transfers. Your Discover Card is not an exception. Instead, interest charges may be applied.

Date:
April 22, 2008, 7:11 am

Can u have a cosigner for your balance transfer card, like a family member?

You can have a cosigner for any card for good or excellent credit (balance transfer cards are not an exception). But the thing is you can't apply with a cosigner online. If you want to get a card this way follow some simple steps. First a cosigner applies online for any card for good credit. He gets approved. Then he contacts the bank and saya that he wants to add someone to his account. He tells the card issuer your social security number. You will have to sign the form and since that you will be sharing your account with a cosigner. The bank will be reporting your payment info to the major credit bureaus, so you will be building your own credit history.

Date:
November 25, 2008, 2:29 am

i need a credit card of my own

You can apply for a credit card on our website and get approved if you qualify. The key is to choose the right product based on your credit rating. If you're looking for your first ever plastic, choose among cards to establish credit. If there is already a credit score established in your name and it is rather high, consider getting one of top card offers available online. All of them offer lowest APRs, no annual fees, balance transfers and rewards. In case your payment history needs improving or rebuilding as a result of bad credit records, apply for a bad credit offer with most agreeable requirements, terms and conditions. See and compare all deals for all credit types to make the best application decision.

Date:
November 25, 2008, 5:41 am

I have less than perfect credit and I need a $7,000 credit card to help pay for my school tuition, Which card(s) would i be eligable for?

Unfortunately we don't know what exactly your credit rating is. But usually a process of building a good score takes time. Credit limit fully depends on the card issuing bank's decision. Don't expect too much. Some banks, like Millennium, Orchard, issue bad credit cards with small credit limits (about $300) and watch how you use the card. After six months or a year, if you pay your bills on time and pay more than the minimum, they'll usually raise your credit limit. Also you may have a look at special student cards for limited credit.

Date:
December 19, 2008, 7:57 am

What is best HIGH LIMIT credit card for an established ( 20+ years) small business with a good/excellent credit rating?

The amount of your spending limit depends on the lender. They consider numerous factors, including your income, payment pattern, current employment and others. If you have good to excellent credit, you can be eligible for the best offers available on the market.

Consider Discover® Business Cashback Card. It features no annual fee and a 0% introductory APR on purchases for 12 months. You can also earn $100 Cashback Bonus when you apply for the card. It is a nice addition your business capital!

Consider Discover® Business Cashback Card has a great rewards program. You will earn 5% cash back bonus on your office supplies, 2% cash back bonus on gasoline and up to 1% cash back bonus on all other purchases.

Visa® Business Platinum with Preferred No Hassle Miles issued by Capital One® comes with no annual fee and a 0% introductory APR on purchases and balance transfers. Using this plastic, you will earn 1 mile per $1 spent on all purchases. Plus, you can get free employee cards with individual settings.

Visa® Business Platinum with Double No Hassle Miles from Capital One® offers a variable APR on purchases and balance transfers. The bank offers 2 miles for $1 spent. The miles can be redeemed for travel, cash back, merchandise and more.