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November 20, 2008, 6:37 am
What is a balance transfer?
A balance transfer is the act of transferring your high-rate debt onto a new card with a lower interest rate. There are two types of balance transfer cards: low fixed rate balance transfer cards, and cards offering 0% interest rate for a limited period of time. Depending on your payment habits and the amount of your debt, you can choose a low fixed APR card or a 0% APR balance transfer offer for a set period of time.
November 20, 2008, 6:35 am
why is it that i try and try to get one of the best credit cards there is and i cant all of my delequent accounts that wre turned on me was from a devoris that i went through and all i am asking is for a second chance and no one wants to give me that chance instead i have to pay big time before i even get a card that i can use with only a 50 doller limit on it from first permire bank and we all know that 50 dollers these days isnt even a tank of gas so there for i am askin you to please give me acredit card and a second chance please take this into cincederation please let me know ither way
thank you
Linda Timmons
First, it should be said that we are not a credit card issuer. When clicking the Apply button, you're redirected to the site of the credit company where you submit your application, and it's up to the issuer to decide whether you'll be approved or not.If you've got limited credit, you shouldn't give to despair. Take your time to review the following offers that may help you improve your credit history.Classic Platinum from Capital One is a good choice for those people who try to build credit. This card offers a moderate APR and a low annual fee, so that you have good chances to get back on track.If you feel serious doubts about your approval, you'd better consider secured offers like Black Diamond Visa® from Millennium Bank or Secured Visa® by Applied Bank ®. When applying for these cards, you have all the chances to be approved, but they require a minimum deposit. Good news is that your credit limit will be set in accordance with the amount of your deposit, so you can determine the spending limit on your new card.
November 19, 2008, 4:47 am
how do i choose what credit card is best for me?
The choice of the right card depends on your score rating and your payment habits. When choosing the best card, you need to take into consideration your current financial needs. This way, if you want to make the most of your new purchases, choose the card with an interest-free period and a low ongoing APR like Platinum Prestige by Capital One. This bank offer requires an excellent score rating.
If your FICO is good, you may consider Discover More®Card that comes with no annual fee, good interest rates, and gives generous rebates on eligible purchases.
If you continue building your credit, review Capital One Platinum. This card comes with a low APR on purchases and balance transfers and a low annual fee.
Look through these credit offers, compare their features and choose the one that suits your needs best.
November 14, 2008, 1:34 am
I have 2 credit cards ran into a little financial bind would like to transfer balance of one of the cards and still have credit to help pay down some other small bills are there credit cards out there like that?
If your credit history in a good standing, feel free to review top rated balance transfer offers, like More Card by Discover and Chase Platinum Visa® that come with 0% interest rates on balance transfers for up to 12 months. Once you have paid off your debt, you can take advantage of these low rate cards and even earn valuable rewards on your purchases.
In case your debt is not that massive, you may consider Clear from American Express® that gives a low fixed rate on balance transfers for 12 months, and a 0% intro rate on new purchases. Another advantage of this card is that it comes with no fees - no annual fee, no balance transfer fee. It means that you will pay nothing for transferring your old balance onto a new card. This could save you a considerable sum of money.
