Credit Card Answers

Thank you for addressing your requests to our service. We hope our answer helps you to find a suitable variant. At our site, we do offer such cards. We recommend you Citi Diamond Preferred Rewards MasterCard. This one has cash back of 5% for any gasoline, no annual fee, APR as low as 11.74%, and other features. For more detailed information please explore our gas reward credit cards.

Thank you for addressing your requests to our service. We can recommend you a Secured MasterCard from Orchard Bank, since there are no unsecured credit cards with $0 annual fee at our site. Secured MasterCard requires a collateral of $200 minimum. However, this credit card has quite favorable terms and features for the customers with bad or no credit, for instance, $0 annual fee, low APR of 8.9%, 25 days of grace period, etc. Moreover, this credit card has guaranteed approval. To get more detailed information please explore our secured credit card applications.

Thank you for addressing your requests to our service. Disney Rewards Visa is a credit card issued by Chase bank. First of all, this credit card is available only to the customers with good or excellent credit (660-749 and 750-850 of FICO score respectively). Evry time you use your card you earn Disney Dream Reward Dollars. Moreover, you can get free $15 Disney Store Gift Card. This credit card has also 0% introductory rate on balance transfers and purchases for one year. To get more detailed information and apply online please explore our Visa credit cards.

Since your credit is bad and you`re aware of it, the thing you should do is to repair your credit. Nowadays many banks specialize in credit rebuilding and even help people to recover after bankruptcy and consequent credit destruction. Unfortunately, you can`t count on getting balance transfer credit card with no annual fee, while these cards are usually assigned for people with positive credit. Still you`re welcome to regard bad credit cards intended for credit reconstruction. Regard First PREMIER credit cards and Orchard credit cards, compare credit card rates, compare credit card fees and other parameters and apply online for credit card you prefer. Many of these cards provide low APR on purchases and guaranteed approval.

Thank you for addressing your requests to our service. We hope we can help you to resolve your problem. Yet, having no credit you have a real chance to start building your credit history. Quite enough banks, such as Millenium, First PREMIER, and Orchard, offer various options for the customers with bad/no credit history. This is a great opportunity for you. At this site we suggest you some variants of bad/no credit cards by First PREMIER Bank. Pay special attention to the most popular credit card - Centennial Gold MasterCard/Visa. See the link for the detailed information on this card and note that when applying for this one you may get an instant approval! So, feel free to compare the offered options, choose and apply online.

Thank you for addressing your requests to our service. Yes, at our site there are quite enough options of credit cards with 0% introductory APR both on balance transfers and purchases. So there are several variants we would like to suggest. First of all, More Card from Discover Card. Second, Platinum Visa from Chase Bank. And third, Citi Platinum Select Card from Citibank. All of these credit cards have 0% introductory APR both on balance transfers and purchases for at least six months but mainly for 12 months, plus no annual fee. Of course, the terms and conditions of each credit card may be changed by a bank without our consent. Please keep in mind that these credit cards are available only to the customers with good or excellent credit, which is 660-749 and 750-850 of FICO score respectively. Visit our low APR credit cards page to get more information on each card.

Thank you for asking your question. Having FICO score of 620-659 implies your credit is fair, or average. At this site, we offer some credit card applications available to the customers with average credit. In general, the terms and conditions of fair credit cards are more favorable in comparison with bad or no credit cards, so it will be definitely much easier to reach the good level. For instance, credit cards for fair credit allow balance transfers. Second, as you may see, the two of these credit cards offer cash rebates and points rewards. So all you have to do is choose an appropriate credit card basing on your needs and demands. Please explore our fair credit cards to get more detailed information on each variant offered and apply online.

Thank you for your question. At our site we also offer some options of instant approval credit card applications. However a customer should be careful with these. Speaking of 'instant approval' we should first of all mention that this term does not imply that you receive your credit card IMMEDIATELY. This is, of course, impossible, due to various reasons. The process is: you fill in the application form, send this one to a bank online, and the decision is sent to you via email in two-five minutes. In case your application is approved, a card is sent to you by mail, and you will receive it in two or three weeks. At this site we suggest credit cards with instant approval issued by the leading US banks, such as American Express, Citibank, Capital One, and Discover Crad. There are also credit cards with instant approval available to the customers with bad or no credit - for instance, Centennial Gold MasterCard/Visa from First PREMIER Bank. Please visit our instant approval credit cards page to get more specific information onb each credit card.

Thank you for your question, Alison. Getting a beneficial credit product that fits your needs is your natural right. So, if your credit card seems to bring you more losses than benefits, then it is high time to change the situation. If you have good credit score, you will not have any problems with qualifying for a deal with more favorable terms. Here is what you can do. Find a deal that will be just right for you. Make sure it fits your spending habits, lifestyle, demands, etc. And it will be just fine if the card has a balance transfer option and offers an interest-free period on balance transfers. You can try to find your perfect deal among balance transfer cards. Shift your balance and enjoy 0% interest period. You should mind balance transfer fee that applies with most offers. Make sure it is not higher than 3%, or even better – there is a cap on this fee. After you shift the balance from your old card, do not rush to cancel it. This might damage your score. If you keep the account active, it will have positive effect on your credit rating. Especially, if your old card doesn't have annual fee, or it is low, it will not be a problem for you to keep the account. This way you will benefit from a new deal and will make the old one work for you and your credit history.

Hello, Crystal. Thank you for contacting us. You see, limited credit is a pretty serious problem, especially in the current financial situation. Customers with limited credit are a bad risk for lenders. And now that banks and credit companies are going through, probably, the most trying times, they are more deliberate than ever in their choice of potential customers. Even good credit histories go through a thorough check. We are afraid, you, being a customer with limited credit, will hardly qualify for a deal with $10,000 credit limit. What you can be eligible for is limited credit cards. They come with a lower credit line. The maximum credit limit a low score owner can have, as a rule, do not exceed $3,000. there can be exceptions, though. A secured credit card can be another option for you. But initially, secured cards cannot give you a credit line exceeding the amount of your deposit. When getting a secured offer you deposit a certain amount of money. And you get a credit limit of, actually, the same amount. In order to obtain a deal with this big spending limit you will need time and effort you will make to improve your credit score and payment history.