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[December 27, 2007, 4:36 am]
do you know what your score or score range has to be to apply for american express?
Answer
American Express is one of the finest financial services oriented companies. They issue credit cards only for good and excellent credit history. Your credit history is reflected in your credit score. A credit score is a numerical reflection of the information that is contained in a consumer's credit report. The most commonly used credit score is FICO score. It is the answer from a mathematical formula that applies numerical characteristics to different pieces of information in your credit report. To qualify for an American Express card you must have not less than 660 points.
[December 27, 2007, 4:45 am]
Do you supply poor or bad credit cards to people in Great Britain?
Answer
We have various credit deals mostly for USA citizens. Those deals for UK citizens that we have are unfortunately designed only for customers with good or excellent credit rating. We offer American Express UK Platinum Card, American Express UK Red Card, GM MasterCard by HFC Bank and American Express UK Business Gold Charge Card. If you need a card for poor credit history in UK we recommend you to search your card in UK banks.

[January 11, 2008, 7:52 am]
I am currently a college student enrolled in Wallace Community College in Clanton, AL. I have NO credit and am interested in getting one of your cards to build some. If you have any advice as to which card or which route i should go with PLEASE let me know. Thank You! Jessica Shirley
Answer
Making your first credit card deal is a responsible step towards building your credit history. We recommend you to search through our student credit card deals. We advise you Citi mtvU Platinum Select Visa Card for college students by Citibank. This card requires bad/no credit history. It offers 0% APR for 6 months introductory period, no annual fee, 1 Thank You point for every dollar you spend on all purchases. Apply online and start building your future today.
[January 14, 2008, 7:29 am]
My question is regarding the Balance Transfer fees on most credit cards. It states that there is a 3% fee with $10 min. and $75 max. What exactly does this mean? How much is the fee if I want to transfer a balance of $6000 to a new card?
Answer
Thank you for addressing your requests to our service. Actually, this means that even if the amount of money you want to transfer is quite large, you will have to pay $75 anyway. For instance, if you want to transfer $6000, the actual percentage is $180, but you will pay the defined maximum which is $75. You are welcome to explore our 0 balance transfer credit cards.

[January 31, 2008, 3:20 am]
i need a credit card, whatever it is, even secured, but i need build credit!!!
Answer
Thank you for addressing your requests to our service. Yes, at our site there are quite enough variants for the customers with bad or no credit. Of course, the best option for them is to apply for a secured credit card. At our site, there are two variants of these - Secured MasterCard from Orchard Bank and Platinum MasterCard from Millennium Bank. They are guaranteed, so you will be definitely approved. Please keep in mind that you need a collateral to secure your credit. To get more detailed information on these cards and apply online please explore our secured credit cards.
[February 18, 2008, 3:08 am]
i need a card to start building my credit...im 19 years old, my parents wont cosign, i want no annual fee and a 200 spending limit on it. which one do i chose??? thanks
Answer
There are credit cards for those who have no credit history. Credit card issuers usually think about such people and have special deals for them. They will probably give you a card with not really good terms and a rather small credit limit and watch how will you pay your bills. If everything is fine, they will probably raise your credit line. We advise you limited or no credit cards to start building your credit history. They have reasonable fees and competetive APRs. To get a suitable credit card, please explore our limited or no credit cards sections.

[April 21, 2008, 9:00 pm]
anything for fair credit?
Answer
You are welcome at our site. Thank you for your question. Yes, at this site, we do offer credit cards developed especially for the customers with average credit. Now, either fair credit score, it is much easier for you to build good credit history than in case with limited or no credit. All of the fair credit cards come with reasonable rates and fees enabling you to improve your credit rating. So if your FICO score is 620-659, you are free to apply for any of the fair credit cards collected on the site. You are free to explore and apply online. Please visit the appropriate page using the link and apply online for fair credit cards.
[September 1, 2008, 7:47 am]
I’m gradually building up my credit to good. I’m currently using my Citibank which I got back at college and they offered a credit limit increase. No way. I want to have a choice. What would you suggest? I want to have an array of offers to compare and chose from. Thanks.
Answer
Great of you to have a positive credit record upon graduation. Thanks to your responsibility and discipline as a student, you have great opportunities to apply and be approved for a most attractive credit card offer online. There's no need to do a search - we have worked for you and selected top credit cards with high limits and some of the best rates available in the market. You are welcome to study and compare the key features of the credit cards online to choose the best fit for your credit rating, wallet and lifestyle. Feel free to apply online for a card appealing to you most.

[November 19, 2008, 7:59 am]
i work at mc donalds and it seems noone want me to have a credit card
Answer

Credit cards have so many advantages that you definitely need to use them! They help people make purchases online and offline, move about without carrying a bulk of cash in their wallets or charge money in case of emergency. You can pay your membership fees and taxes online without having to leave the comfort of your home. Even to rent a car, you need to have a credit card!

In addition, a smart credit card management will help you improve your credit score. This number is used to make important decisions concerning your ability to rent an apartment, get a job, obtain insurance and qualify for credit cards and loans. Credit scores are calculated by credit bureaus. The largest ones in the U.S. are Equifax, Experian and TransUnion.

All US residents may get one free credit report within a 12-month period from each of the three credit bureaus. So if you want to apply for a suitable plastic, find out your credit score. If it ranges from 0 to 350, it means you have no credit. Consider Capital One® offers to start building your score. Pay attention to Platinum card. It provides a low APR on balance transfers and a 0% introductory APR on purchases. However, you need to have a stable income and at least some points to qualify.

If your FICO score is under 629, then you are eligible for credit cards for bad score. Such offers as Gold MasterCard®/Visa First PREMIER® Bank will help you improve your credit score at affordable terms. The bank monthly reports your payments to the major credit bureaus. It will help you prove that you are a reliable borrower.

If your score ranges from 620 to 659 points, than you can take advantage of fair credit cards. One of the best offers in this group is Classic Platinum from Capital One®. It has a low ongoing APR on purchases and a low annual fee.

[December 10, 2008, 4:06 am]
what secured card is the best
Answer

Our site provides several beneficial secured credit cards. They have different features and benefits, so you can compare the offers and choose the one you like most.

If you apply for a Black Diamond Visa® from Millennium Bank, you will be approved regardless of your FICO score! The bank requires no credit check. You can also take advantage of $100,000 travel accident insurance and extended warranty protection. A special high introductory savings rate will let you earn some extra money on your deposit.

Secured Visa® Credit Card from Applied Bank® is famous for its very low fixed APR. It is just 9.99%! The interest rate won't change even if you make a late payment! The card is accepted at millions of locations worldwide, including online shops.

Secured Visa® Platinum issued by Bank of America has very attractive terms and conditions. You will enjoy a low annual fee and a competitive interest rate. It is an excellent offer to build or reestablish your credit!


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Credit Cards Tips

Observing Balance Transfer Changes

Balance transfer is one of the most common solutions if interest on your credit card balance grows faster than you can pay it off, and your debt keeps growing more and more. In order to draw in customers from their competitors, credit card companies offer promotional 0% or low interest rates on your debt. And if you get this introductory low APR for say a year, your balance would be easier to manage.

Car Rental with Credit Cards

Do you want to use a car during your trip to Europe or Asia without the hassle of trucking your own vehicle overseas? Consider renting a car. It's a great opportunity to use a late-model automobile and go everywhere you want. Renting a car abroad is quite a simple process. There are a lot of local and international car hire companies that will help you cruise around the country. Just find the most suitable rates and use your plastic to make a deposit. It will save your time and money: car rental companies heavily favor customers who use credit cards.

Bad Credit after Job Loss

Slowing economic activity strains budgets of many companies. Nobody is protected from job losses or other unexpected life-changing accidents. If you lose the source of income, you can get into a serious financial trouble. Don't make your situation worse by falling into bad credit! Otherwise you can increase your borrowing costs and make it harder to get a new job - some employers take into consideration your credit history. Keep paying all your bills on time to maintain a positive FICO score. Our tips will help you manage your finances and, hopefully, ensure your peace of mind during difficult life events.

Credit Card Usage

Applying for a credit card can be a smart idea or a huge mistake depending on the circumstances. Those people who understand the basics of responsible credit usage are likely to benefit from this financial tool. But if you want to make the most of plastic money deals without knowing how they work, you just waste your time. The cases are not rare when credit mishandling ends up in massive debts. Learn how to protect yourself from financial mistakes and use your plastics responsibly!


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