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Showing 0 to 8 (of 8 questions)

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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?

Question Tip/Solution:

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.


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?

Question Tip/Solution:

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.


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

Question Tip/Solution:

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!


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.

Question Tip/Solution:

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.


April 21, 2008, 6:05 am

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

Question Tip/Solution:

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.


April 22, 2008, 7:11 am

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

Question Tip/Solution:

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.


November 25, 2008, 2:29 am

i need a credit card of my own

Question Tip/Solution:

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.


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?

Question Tip/Solution:

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.

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