Date:
November 22, 2007, 3:33 pm

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,  First PREMIER, 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 3, 2007, 8:08 pm

ihave being looking around trying to find a credit card to help rebuild my credit and i came upon your site i am not too sure if your bank would approve me but i truly would like to have a second time at having the privelage to own a credit card and reestablish my credit rating. my scores are in the five hundred again but i just dont know. i hope there will be help here for me. please let me know with this rate is it possible. thank you

Banks think about people who want to reestablish their credit and have special deals for them. The process of rebuilding poor credit will take some time. First of all, a bank will usually give you a small credit limit, watch your payment habits and report to credit bureaus. If you were a responsible cardholder, they'll usually raise your credit limit in six months or a year. Beware that you will probably get not the best terms of your credit card, but take it as a good chance to build a credit. We recommend you to consider offers for poor credit history by First PREMIER Bank. It offers guaranteed approval and other benefits. Apply for a card and start building your score today!

Date:
December 23, 2007, 2:16 pm

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 6, 2008, 5:39 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:
January 9, 2008, 2:50 pm

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 16, 2008, 5:06 pm

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:
January 24, 2008, 9:18 pm

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:
February 3, 2008, 7:14 pm

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:
June 4, 2008, 4:41 pm

I want to apply for a credit card, but I have a limited credit history. I only have one account in my credit history and it is in good standing/never late. What would be the best card for me and would the APR be high because of my limited credit history?

Having a limited credit history doesn't necessarily mean that you can't qualify for a credit card with pretty much favorable terms. At our website you can find a bunch of credit card offers for poor credit with a rather low APR. Have a look at Gold MasterCard/Visa by First PREMIER Bank. This card was specially designed for people with bad or no credit. It offers instant approval, which is important for people with poor score. Besides, it gives rather high credit limit, low APR on purchases, and reports monthly to the 4 major credit bureaus. This is the perfect chance to prove that you are a responsible cardholder and to improve your score.