Answers about Credit Card Offers

Displaying 10 to 20 (of 113 questions)

Page: 2 of 12

Date:
March 11, 2011, 12:15 pm

How do i know what points i've already earned?

Answer:

You can see the number of points you’ve received on your monthly credit card statement (mailed or online) or call the number on the back of your credit card.

Date:
February 21, 2011, 12:42 pm

How can i know my apr before applying for a credit card?

Answer:

You can’t know for sure what your APR will be until after you have applied for a credit card. It is up to your credit card company to decide on your future APR and their decision is made based mainly on your credit score. But keep in mind that the better your credit the lower your APR will be.

Date:
February 7, 2011, 12:25 pm

i`ve heard a secured card can be converted to a regular credit card, is it true?

Answer:

Some credit card companies can convert your secured credit card to a traditional credit card after a certain period (from 12 to 18 months) of its responsible using, in other words if you pay your secured card bills on time.

Date:
February 4, 2011, 12:39 pm

What’s a purchase rate on credit cards?

Answer:

A purchase rate is the rate of interest you pay for purchases made with your credit card, unless your credit card balance is paid in full each month.

Date:
February 3, 2011, 7:44 am

i am an international student in college and earns minimum wage.what is the best credit card for me

Answer:

If you are a US college student you can pay close attention to credit cards specifically designed for students. But there is something you should know. As per the new credit card rules banks and credit card companies are not permitted to issue credit cards to youngsters under 21 unless they show proof they earn enough to qualify for a credit card or have a parent co-signer. And, please, note that credit cards issued by the US banks and credit card companies are aimed at the US residents only.

Date:
June 17, 2009, 6:31 am

What bank will be willing to help me stablish my credit ?

Answer:

If you want to establish your credit, you can turn to banks that issue secured credit cards specifically for people with bad credit history and for those who are new to credit. A secured card doesn’t require a credit check or income information therefore it usually offers a guaranteed approval. To be approved for a secured card, you’ll only need to make a cash collateral deposit (at least $300), be a resident of the US at least 18 years old and have a social security number. As a secured card comes with a credit bureau reporting feature, it can be ideal for building your credit history. Just make your credit payments on time, keep within your credit limit and you’ll surely be a success.

If you are interested, take your time to compare the most popular secured card offers to choose the one for your special needs.

Date:
May 12, 2009, 7:40 am

I'm looking for a good airline credit card. I have excellent credit.

Answer:

Once you have an excellent credit rating, you can easily find the right airline credit card for your needs.

Fortunately, companies reserve the best credit card deals for those with excellent scores, so you're likely to find a good deal that best fits you.

When choosing an airline credit card, it's essentail to make a list of your expectations. Once you know what features to look for, you can easily find the right card.

Start from browsing through the best frequent flyer credit cards available online. Take your time to review the features and terms these cards offers. By doing so, you can pick out the airline credit card that best fits your requirements.

Date:
June 20, 2008, 12:59 am

I AM A SINGLE MOTHER THAT IS TRYING TO ESTABLISH CREDIT. I DO HAVE NEGATIVE FACTORS ON MY REPORT, BUT THEY ARE FROM MORE THAN 5 YEARS AGO. CAN YOU DIRECT ME TO A CREDIT CARD THAT I CAN POSSIBLY GET APPROVED FOR. I DO UNDERSTAND THAT THE LIMIT MIGHT NOT BE A HIGH LIMIT. I JUST NEED TO START ESTABLISHING MYSELF AND I NEED TO START SOMEWHERE.

I AM A SINGLE MOTHER WHAO IS TRYING TO GET ESTABLISHED. I DO HAVE SOME NEGATIVE FACTORS ON MY CREDIT REPORT, BUT THEY ARE FROM MORE THAN 5 YEARS AGO. I AM HOPING THAT YOU CAN DIRECT ME TO A CREDIT CARD THAT IS BEST FOR ME. I DO UNDERSTAND THAT THE LIMIT WILL NOT BE A HIGH LIMIT. I JUST NEED TO START SOMEWHERE.

Answer:

Unfortunately, it is not quite clear from your inquiry, what credit history you have - no or bad. You need to apply to a credit bureau and check your credit report to find out what cards you are eligible for. Anyway, you can choose among three basic variants, which proved to be reliable. If you possess a certain sum of money (from a few hundred to several thousand dollars), you can use it as beforehand deposit to guarantee the payment of your secured credit card. Your credit limit will be 50 to 100 percent of your installment. You can also apply for unsecured credit card . Unlike secured ones, suchlike cards don't require collateral, but be ready to maintain the fees and rates, which can be higher than those of secured cards (it's the only way creditors can cover the risks of credit). A co-signer card can also be your choice, if a friend or relative of yours agrees to be your co-signer. When he or she obtains a good credit card and signs you up as a co-borrower, you'll get different credit cards with different numbers but the credit account and the credit limit will be one shared between you and you'll be able to accumulate points to your credit histories. Think over all the variants, read attentively terms and conditions of different credit cards to choose the right one fitting your needs, financial plans and, which is utterly important, your credit conditions.

Date:
June 20, 2008, 12:58 am

I recieved an invatation by mail, pre=approved, but when I went to the web-site, I can not find it.

Answer:

You should keep in mind that the aim of such invitations is merely promotional. If you get a message that you are pre-approved to obtain a certain card that actually means only that you are eligible for this card according to your credit history and that the bank would be glad to provide it to you. It is only up to you to make a decision whether to apply for it or not. If you have decided to accept the offer you can do it online. Unfortunately you haven’t named the bank and the card you are interested in. You gave too little information about the offer. In fact there are numerous offers of from all kinds of banks, that’s why it is difficult to understand what particular card you mean. On our website you are welcome to choose between the best credit cards for all types of rating – excellent, good, fair or bad. So, learn you score and choose the card you are eligible for. Look through the terms and conditions, and then just click “apply”, fill the form and submit you application online.

Date:
June 20, 2008, 12:58 am

I need a card for my daughter - she is 16 and travelling to Paris on Tuesday 6/12/2007. I didn't even think about how to handle the money situation until today.

What do you advise?

Answer:

If your daughter is not 18 yet she doesn't have the right to get a card. However if you wish to build up her credit history you can do the following. First of all, open a savings and a checking account in her name, if you haven't done it yet. This is important as it proves her financial independence and ability to deal with money. Besides, she can also become an authorized user of one or more of your credit cards. In this case you will still be a cardholder but your daughter will get an opportunity to use the credit limit. She must use the card carefully because all the information (both positive and negative) will be inevitably reflected in her report. Becoming an authorized user is the simplest way for your daughter to establish her history and to use the limit abroad. When she comes of age she will be able to get a card of her own, for instance, from First PREMIER or Orchard.

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