Instant Credit Card Help

User Name: laura

Date: October 1, 2007, 2:12 pm

how can i find a credit caqrd with low apr and not annual fees??

Our web-site gives you an opportunity to compare the best credit cards and choose the one that complies with your needs and requirements. However before applying for a card you should request your credit report and learn your credit score. It is the main factor of your creditworthiness and by far determines your chances to be approved for this or that card. If your score is either good or excellent you are welcome to choose among the credit cards with the lowest APR. On the page devoted to such cards you can find several variants from American Express and Discover. None if them actually charges annual fee. Read all the information about each card carefully and then apply for the chosen card online through our service.

User Name: Marion

Date: November 8, 2007, 9:40 pm

I would like to find a card that has the best deal on balance transfers. I have a fair credit rating and would like to improve that, but have outstanding credit card debt on high interest credit cards. Which credit card(s) would you recommend?

Unfortunately you can't qualify for the best balance transfer deals with fair credit history. In your case we advise you to apply for special credit cards designed especially for a credit that needs some improvement. You can find offers with no annual fee, reasonable ongoing APR and other options. Apply for a credit card that suits your current needs most and improve your credit history to qualify for best cards.

User Name: Rafkoko

Date: November 17, 2007, 10:46 pm

i have poor credit rate, but i have a co-signer with excellent credit, who can apply with me. Which card can i apply for, because i couldnt find one with a space where i can fill him in.

You can apply for any credit card for good or excellent credit with a co-signer. But you cannot do it online. This is how it works: a co-signer applies for any good or excellent credit card online. After he gets approved he calls a bank and says he would like to add someone to his account and be a co-signer for this person. Then he receives a statement by mail, you sign it and send back. Now you share an account with co-signer. You will have different credit cards with different numbers. But you will have one account and credit limit. By making timely payments you will build your credit history. Your payment history will be sent to all credit bureaus every month.

User Name: Eddie L Reed

Date: November 18, 2007, 9:05 pm

How can I repair my credit history?

The process of repairing of credit history takes time. First of all you should apply for bad credit card. We advise you to have a look at deals of First PREMIER Bank. They have some beneficial advantage, like relatively low APR on purchases. Even though these deals have worse terms than deals for good credit they will help you to improve your credit. The bank will first establish rather small credit limit for you - about $300. They will watch how you pay your bills. If everything is fine, in six months or a year they usually raise your credit limit. Start building your credit history today!

User Name: maria holland

Date: December 20, 2007, 2:19 pm

How soon can I use my credit if I qualify for an Instant Approval card?

Sometimes you can start using your credit card right after approval (Blue from American Express for example). It depends on a card that you have. If you get instant approval, bank can show you your credit card number and expiration date right away. You can shop online or by phone with it. You obviously can't go to the store, because you don't have the card yet. And there is a limited amount of money that you may spend. For instance, if you have a credit line of $5,000 you can only use about $500 before your card arrives. This is done for security reasons. And this doesn't work always. There are no cards that will guarantee you that.

User Name: Melissa

Date: December 27, 2007, 5:36 pm

i have bad credit i am a student i need to get a credit card for school and i don't have a co-signer
what can i do

There are special credit cards for high school and college students. Such cards give perfect terms for young people with bad or no credit history. This is one of the best ways to build your credit history while you are in your twenties. Have a look at student credit deals in the corresponding section of the site, make your choice and apply online.

User Name: WAYNE BOOTH

Date: January 6, 2008, 3:27 pm

GOT BAD CREDIT HISTORY NO WON WILL GIVE ME A CARD

Even though you have bad credit, you can still qualify for credit cards. Credit card issuers have special deals for those who want to establish their credit history. But establishing a credit is not a quick process. It will take some time. First you can apply for a bad credit card. The terms of such a card are not the most beneficial and the credit limit is rather small, but it is a bank secure measure. If you prove to be a responsible cardholder, use your card regularly and pay all your debts on time, your score and credit limit will be increasing. We recommend you to start with Centennial Gold Visa/MasterCard by First PREMIER Bank. Apply online, get a guaranteed approval and build your credit.

User Name: chris

Date: February 5, 2008, 11:05 pm

what is the best credit card if you have bad credit.

If you want to rebuild your credit history, you can search for a credit card among the Orchard Bank deals. We would like to recommend you to pay your attention to Orchard Bank Classic MasterCard. It has low annual fee, low rates, monthly reporting to 3 major credit bureaus. It is a perfect option to improve your credit. In several months if you prove to be a responsible cardholder they will probably raise your credit line and offer you better terms.

User Name: frank watson

Date: March 31, 2008, 8:10 pm

i need to get a credit card of 5000 or more but my credit is between poor and fair.but i dont know were to look. or what to do can you help me?

If you have poor credit rating you are not likely to get a $5000 credit limit. The banks need to be sure in your credit worthiness. So you can only apply for a limited credit card. You will get around $300 credit limit. The bank will watch how you use it and may in several months increase your credit line. You have to prove to be a responsible cardholder. This is the only way you can improve your credit score to be eligible for better cards in the future.

User Name: Andy Laabs

Date: April 8, 2008, 4:52 pm

Hi I was wondering how i wouldbe able to get a unsecured card while having bad credit. my scores are in the 540 range. All i ever get are secured offers right now and when i have applied with first premiere I havent got any offers in the mail. Thanks

If you have bad credit, there are several ways to improve it. You can either apply for a secured credit card with a collateral, or apply for a plastic with a co-signer, or get an unsecured credit card for bad/no credit history. Bad credit card enables you to prove your credit worthiness to the bank and to get a better deal in future. Compare all credit cards for bad/no credit collected on the site and apply for the suitable one online.