A balance transfer fee is a once-only fee that the credit card company charges you in order to transfer your balances from other credit cards to their credit card. Generally the best deals for balance transfers offer you 0% interest rate for a specified time (usually from 6 to 15 months). However you have to pay a "balance transfer fee", that is a fee some issuers charge to transfer the balance from one credit card to another. The amount of this fee depends on how much you are transferring. For example, this fee on Discover, Citibank and Chase deals amounts to 3%. Thus, a 3% balance transfer fee on a $1,000 transfer would cost you $30. You should also keep in mind, that the banks normally define the minimum and the maximum amount of balance transfer fee. For instance, on Discover this fee is min. $10 and max. $75. On deals from Chase and Citibank it is min. $5 and max. $75. So, as you can see, it is impossible that you will have to pay a fee of more than $75. Even if the balance that you are transferring is very high you will have to pay max. $75 or less.

This web site offers a variety of credit card deals for different groups of consumers, including students. Student credit offers are perfect for young people who want to establish their credit score. It is a good chance to learn how to manage your finances. We suggest you to apply for Chase+1 Student MasterCard by Chase. This card has no annual fee, 0% introductory APR for 6 months, rewards points, and offers free music, movies, electronics, entertainment at Chase+1 store.

By adding an authorized user to the account a person simply gets another card that will be linked to his/her account with some other name. No one checks that. The Social Security Number of an authorized user doesn't have to be provided. Authorized user doesn't get credit reports and doesn't build credit score. Authorized user is not liable of any charges, including the cases of death of a primary cardholder.

Although the negative information about bankruptcy can stay in your report for a very long time (up to 10 years), nowadays it is possible for a recently bankrupt to apply for a credit and get an approval. Your current score is 601 that falls into the "poor credit" category. So, to improve your history you are welcome to choose among the cards for bad credit. Another way to go is to apply for a secured credit card. Though such card will require that you open a savings account and deposit some money to guarantee your ability to pay, they generally will be of lower fees and rates than unsecured bad credit cards. Which to prefer is for you decide. Compare all the details and choose the one that satisfies your needs. But remember -whatever card you have chosen the main thing for you is to make all payments on time in order to improve your history.

At our site we present the best credit card offers from the leading credit card issuers. There is Blue from American Express among them that offers 0% Annual Percentage Rate on purchases for up to 15 month and has 4,99% APR for the whole life of the credit card balance. It has no annual fee and offers 12, 24% APR on balance transfer. This card is only for the US residents with good or excellent credit. If you are going to apply for this credit card you can do it at our site. Click the link "Apply online" and fill in the application form. Then your application is submitted to the bank. You need just wait for approval.

Building credit history after bankruptcy will take time. First of all you should have your bankruptcy finalized at least six months ago in order to qualify for a credit card. You should apply for a bad/no history card. We recommend you to start with deals of First PREMIER Bank. This bank offers bad credit cards with guaranteed approval and advantageous benefits. The bank will give you rather small credit limit and watch how you pay your bills. After six months or a year if you use your card responsibly they will probably raise your credit line.

If you have no credit history, there are special deals for no credit for you. They are not the most beneficial, but they give a good chance to build your credit rating. At first you will get a rather small credit limit and not the best terms. The bank will watch how you pay your bills and if you prove to be a responsible cardholder, your score and credit limit will be increased. Centennial Gold MasterCard/Visa by First PREMIER Bank will be a good option for you. It has a guaranteed approval and a low APR on purchases.

Since your credit score is bad, you should apply for a credit card, capable of its repairing. If you want to get guaranteed approval for a credit card, without any special income requirements or account checking, you should apply for one of guaranteed approval credit cards. Regard this card deals, and you`ll see there are secured credit card applications from Orchard bank and New Millennium bank, offering secured credit cards, the credit limit of which is determined by your bank account amount. If your purpose is to obtain an unsecured credit card, you can also consider credit card applications from Orchard bank and First PREMIER bank, providing instant approval. Compare credit cards available now, choose the one, which seems the most convenient and improve your credit score in due time!

We have best instant approval credit card deals available for you. If you have no credit history we advise you Gold MasterCard/Visa by First PREMIER Bank. It offers instant decision, low APR, Gold card prestige, monthly report to 4 major credit bureaus. All you have to do is to apply for an instant approval credit card online and get an answer in just a few minutes.

Your excellent credit rating makes all the best low interest rate credit cards available for you. Look through them and choose the one that will meet your requirements. We can recommend you Platinum Visa card by Chase Bank. This card offers 0% introductory APR on balance transfers and purchases for 12 months, 13,24% ongoing APR after that, no annual fee, free online account access, free travel services and more.