Fast Credit Card Advice

Actually, there may be many reasons for credit rejection. First and foremost, a credit applicant must be a US citizen or a permanent US resident of at least 18 years old to qualify for a credit card. The card you have chosen should suits your credit rating, otherwise you will not be approved. Most probably, you've got limited credit history, as customers with good credit have no such problems.

If you face difficulties when applying for a credit card, secured credit cards will be the right choice for you. Unlike unsecured credit cards, secured cards require opening a deposit. Thus, you can obtain a card secured by your deposit. A spending limit on secured cards generally equals to the amount of your deposit.

Secured Visa Credit Card by Applied Bank comes with a really low fixed APR on purchases, and this rate will not change even if you are late with your payments. A spending limit on this card can be up to $5,000, so you have all the chances, plus this card requires no credit history, and you have all the chances to be approved for this card.

Black Diamond Visa by Millennium Bank requires no credit check. Again, with this secured card you can determine your credit limit by the amount of your deposit. When carrying this card, you may rest assured that your credit performance is reported to 3 major credit bureaus.

In case you want an unsecured credit card, you may consider Gold MasterCard/Visa by First PREMIER. This card requires no checking account, and what's more it gives a low APR on purchases. It also reports to major credit bureaus, so you may be sure that your attempts to build credit are not in vain. Take your time to review these offers and choose the right card for you!

In truth, it's not quite clear from your question whether you have good credit or you want to apply for a good credit card. The problem is, you've mentioned that you are a first-time applicant and generally such applicants have limited credit history. But still if you are lucky to have good credit and you want to apply for a card, you can consider really great cards.

With Blue from American Express, you can enjoy 0% introductory interest rates on purchases, as well as low ongoing rates on purchases and balance transfers, plus no annual fee and a fee-free rewards program.

More Card by Discover is ideal if you want to save on everyday purchases like gas, home, or restaurants. With this card, you can earn a generous rebate on the most popular categories, and it's worth saying that there's no limit on the rewards you can earn with this card.

Platinum Visa by Chase comes with 0% interest rates on both purchases and balance transfers for 12 months. The great thing about this card is that it comes with low rates and no annual fee, so you don't have to bother your head about extra charges associated with maintenance of the card.

Compare the options and choose the card in accordance with your personal needs!

No credit history is a headache for most applicants, as they don't know where to start. But in fact, there are some really nice options for those who want to start building credit history, especially if you are a student. Unfortunately, you haven't mentioned more detailed information about your situation, so it's hard to say which card suits you most. If you want to apply for credit cards that require no credit history, consider the following options.

Standard Platinum by Capital One is the card with which you can build a solid credit history. First and foremost, it comes with no annual fee, it also offers 0% promotional rates on purchases. Capital One Platinum is a good choice if you want to apply for a low-rate card. Besides, this card gives you an interest-free period on purchases.

If you are a student, Citi Platinum Select Card for College Students will be a smart choice. This card comes with no annual fee, it also gives 0% APR on purchases and balance transfers, and a low ongoing APR. With this card, you can manage your account online as well as take advantage of paying your bills online.

When building credit history it's very essential to be on time with your payments as well as pay close attention to your debt-to-credit ratio, it should be as low as 30%. In other words, the amount of credit you are using should not exceed your credit limits.

The process of online credit card application is fast and easy. First and foremost, you've got an excellent opportunity to check through credit offers, compare the rates, and thus choose the card that suits your credit profile.

When clicking the Apply Online button, you are redirected to the official site of this or that issuer where you can fill out the application form. You should indicate some basic information like your address, your SSN (Social Security Number), and more. If your application is approved, you will receive a new card in about two weeks.

Unfortunately, you haven't provided any information about your credit score. The core point about credit card application is to choose the right card that suits your needs and credit profile. So if you have a high credit score, you may review Discover More Card - Clear. Not only this card comes with 0% promo rates on purchases and balance transfers, it also grants 5% Cashback Bonus on everyday purchases. In addition to that, the card has no annual fee and low ongoing rates. So, if you have good or excellent credit, feel free to apply for this card.

In case you've got average credit, you can obtain the card with which you will continue building your score. A low-rate card is a smart idea for those who strive to build solid credit, and that's where Platinum by Capital One comes as a good solution. Besides, this card gives 0% APR on purchases within the introductory period.

If you have no credit, you may review Platinum MaxSM by Capital One. The thing is, this Capital One card requires from no to average credit history. So, most probably, you will be approved for this card that comes with a fixed interest rate for 3 years and exclusive savings.

Check through these offers, and enjoy the convenience of online credit application.

We guess that your credit rating is somewhat about average and if so, there are some credit cards with balance transfers that may appeal to you. Mind it however as these credit cards are designed for average, or limited, credit history, you won't be able to get 0% or lowest APRs on balance transfers as you would with credit cards for excellent credit scores.

If you find the balance transfer APRs on the following credit cards acceptable, you may try to make an online application.

So, take a look at Capital One Platinum credit card which offers one of the lowest APRs on balance transfers, allowing you to save and pay down balances faster.

A good alternative to this card would be Capital One Classic Platinum, an average credit offer with a low variable APR on balance transfers and access to exclusive savings on featured deals.

If you want to consolidate you big debt onto a rewards credit card with limited credit requirements, consider applying for No Hassle PointsSM Rewards credit card, also from Capital One Bank. This card offers a generous point rewards program with no limits to the points you can earn and no expiration dates.

The main requirement of all Capital One credit cards for limited credit history is the absence of bad credit records in your credit report. So, if your credit history has not been damaged by late or missed payments and if you have no bankruptcy record in your file, feel free to apply for one of these balance transfer credit cards online.

Your chances to be approved for a new line of credit depend, basically, on your credit history and credit score. In order to maintain your credit score in good standing, you need to have a low debt-to-available credit ratio. In other words you need to have a significantly lower balance as compared to the total limit of credit available. When you close a credit card, your total credit available goes down but the balances due remain. Thus, you get an unfavorably high debt-to-credit ratio and it hurts your credit score and chances to qualify for a new credit card.

So, if you mean to get one of the best 0% APR balance transfer credit cards, you'd better keep the other cards open but do not forget to make timely payments on them, which will keep the credit utilization ratio small.

On our part, we can offer you some of the most attractive balance transfer deals available on the market today.

If you are looking for a bunch of additional benefits apart from the 0% APR balance transfer feature, you can consider More Card from Discover Company or its great competitor - More Card-Clear, also issued by Discover. Both cards offer 0% into rates on purchases and a generous cash back bonus.

If you would like a balance transfer credit card with a low APR after the introductory period, a good option would be Citi® Diamond Preferred® Card offered by Citibank, which is a no annual fee card besides.

See all the details of these cards, evaluate their pricing and perks and apply for the credit card that meets your requirements.

Balance transfer credit cards are a smart tool to reduce or get rid of outstanding balances, but so far they've been used only to fight credit card debt. Yes, there is far less hassle in transferring balances from one card to another, but few people guess it is just as easy and safe to move an auto loan onto a 0% APR balance transfer card.

So, you can actually get a balance transfer credit card to pay off an auto loan, but the interest rates will depend on your credit rating. You would naturally want to save on paying off your balance with the lowest APRs available today.

Well, assuming that you are a good or excellent credit customer, the most beneficial balance transfer offers for you would be More Card-Clear from Discover, a no annual fee card with 0% intro APR on balance transfers, or Blue from American Express, a points reward credit card with low APR on balance transfers until paid off. Compare the terms and conditions of these cards and choose a most suitable one for your repayment plan.

If you do not qualify for these balance transfer offers due to insufficient credit history, you could benefit from Capital One Classic Platinum, a credit card which charges one of the lowest APRs on balance transfers for average credit customers. To be approved for this credit card, your credit report must be clear of any late or delinquent credit payments.

Choosing a credit card to pay off your auto loan, make sure that the credit limit is enough to cover the whole loan.

So check if you qualify for one of the above mentioned credit cards and apply online now.

Since you have just filed bankruptcy your credit score is very low and you are not eligible for fee-free credit card offers.

Right now the best options for you will be a secured credit card or a card for bad credit. If you are able to make a bank deposit to serve as collateral for your credit account we recommend you to apply for Secured Visa® Credit Card issued by Applied Bank or Black Diamond Visa® by Millennium Bank. Even though both cards require you to pay an annual fee it is not much considering that you might really benefit from your payment history being reported to all major credit card bureaus.

You can also apply for one of the cards issued by First PREMIER for those with bad credit, such as Centennial Gold MasterCard®/Visa. This card has reasonable maintenance fee and low APR.

Building strong credit history is very important. If you invest in your credit status today you will be approved for good offers later.

Thank you for your question. Considering that you are looking just for safety and have no credit history the best option for you would be a secured credit card. To get one you will need to make a bank deposit that will serve as collateral for your credit account. This collateral is needed to show the bank that you have funds to pay your credit card bills. Your credit limit will depend on the amount of money you deposit. The bigger your deposit is the more you can withdraw from your credit card. A secured credit card can be used for all kinds of transactions, just like any other credit card. Here are the deals our experts recommend.

Secured Visa® Credit Card issued by Applied Bank. This card has fixed low interest rate and a credit limit of up to $5,000. What's even more important with this card you have 0% fraud liability. That means that if there has been an unauthorized transaction from your account you won't be responsible for it.

Black Diamond Visa® issued by Millennium Bank. With this card you can withdraw cash at over 740,000 ATMs. This card has extended warranty protection. You receive a $10,000 travel insurance as a bonus. In case of an emergency you can always get an emergency cash transfer. The credit limit can be up to $10,000.

If you do not wish to make a bank deposit you can apply for an unsecured credit card for those with no credit history. You have good chances to be approved if you have no debts, no default payments or bankruptcies in the past 10 years and no criminal record.

We recommend Standard Platinum issued by Capital One. It has no Annual fee, reasonable APR and 0% APR on purchases till December, 2008.

Compare the offers and apply for the one that suits you best.

To be approved for a card with $10,000-$15,000 credit line you need to have good or excellent credit history. That means that your credit score should be over 660 FICO points. We recommend the following cards issued by Capital One:No Hassle PointsSM Rewards Credit Card. With this card you can get a credit limit of up to $20,000. It has no annual fee and a great rewards program. There is no limit to the points you can earn.

No Hassle MilesSM Rewards Credit Card. This card might also give you up to $20,000. This card is acclaimed for its excellent rewards program for travelers.

If you do not qualify for these offers because you have limited credit you can start with credit card offers with moderate credit line of about $2,500-$3,000, such as Standard Platinum credit card.