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People strive to increase their rating to afford good credit offers. Having attained good credit score, listed from 660 to 749, you do qualify for plastics of that category! Compare good score applications online, compare their rates, credit lines and rewards, if any, and apply online!

Enjoy your credit "positiveness" and keep an eye on your credit report, while even casual errors can spoil it and deteriorate your FICO score. In this case, you'll have to work hard again to restore it.

People, whose repayment history leaves much to be desired, just dream of profitable terms, available to you. Appreciate your score rating and your own efforts and do your best to keep it safe and sound!

1. American Express
Blue from American Express
0% APR on Purchases for 15 months
4. American Express
Blue Cash® from American Express
Up to 5% Cash Back
2. Discover® Card
More Card
0% APR on BT for 12 months
5. American Express
Clear from American Express®
5.99% Fixed APR on Balance Transfers
3. Capital One®
Platinum Prestige
8.9% APR on Purchases and BT
6. Citibank
Diamond Preferred® Card
0% APR Up to 12 months

Bad score offers serve to repair ruined credit. Once you've damaged it, you'll face certain difficulties in getting approval for bank applications. Still, choosing bad rating OK deals, you'll have opportunity to renew your credit. Compare online applications for poor FICO score now and pick up the most applicable one!

Poor score offers split into two groups: secured bank applications and unsecured ones. It's easier to start credit restoration from getting bank secured plastic, and prove to be reliable bank client, repaying your debt under lending agreement.

Using your bad score plastic, remember, that your credit score calculation depends by 35% on your punctuality in credit payments. Avoid being late for payments, and credit bureaus will register your liability in your report!

1. First PREMIER® Bank
Gold MasterCard®/Visa
Low 9.9% APR!
4. First PREMIER® Bank
MasterCard®/Visa
Reports monthly to 4 Major Credit Bureaus
2. First PREMIER® Bank
Centennial MasterCard®/Visa
Credit Decision In Seconds
5. First PREMIER® Bank
Centennial Gold MasterCard®/Visa
Credit Limit Increasing!
3. Orchard Bank
Classic MasterCard®
0% APR for 6 Months on Purchases
6. Millennium Bank
Black Diamond Visa®
Approved Regardless of credit history!
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Displaying 40 to 50 (of 153 questions)
Page:   5 of 16
User Name:
Debbie Coleman
Date:
December 12, 2006, 4:51 am

Please provide a source where i can make payment for an unpaid balance for account number XXX6269. Please help as I am in the middle of a real estate transcation and would need to clarify this issue.

Answer:

You should call the bank issuer of the card and ask about it. But be ready to pay more than you expect, as there are fees for late payments as well as payments in advance. Besides, do not forget to update your credit reports in all credit bureaus and see about all the necessary information to be included. Unfortunately, we can't provide you with inforamtion of this sort,as we have no access to it as well as to your personal data.

Best,
Manager of Immediate Credit Card Care Service

User Name:
Satish
Date:
December 12, 2006, 10:15 pm

Does Doing Balance Transfer Effect my Credit History

Answer:

No one can say for sure how much point syou can lose if you make balance transfer, as it depends on many factors - you credit score, credit limit of the card you are having, the amount you have already paid off and the amount left, terms&conditions of your credit card, and the amount you are going to transfer. Maybe you will find something useful in terms&conditions of balance transfer credit cards at our site.

Best,
Manager of Immediate Credit Card Care Service

User Name:
Rodney
Date:
December 13, 2006, 7:07 am

How can I apply for credit line of $5000 or more with less than perfect credit
No secured cards or in store credit cards

Answer:

You haven't mentioned your credit score, so it is difficult to answer ina definite way. I think, 5000 limit is available for more than bad credit, and you can find such a credit card among credit card offers of most banks. The only negative point of that may be high charges. Another way is to become a member of a credit union and get a loan there, and the terms of it can turn out to be acceptable. Good luck!
Regards,
Manager of Immediate Credit Card Care Service.

User Name:
coneathia austin
Date:
December 15, 2006, 5:12 am

i applied for a credit card an di just wanted to know did it approve?

Answer:

I hope you followed the usual rules to be observed before making online credit card application: you checked up your credit history, looked through all credit cards for which you are eligible and applied for the one that fitted your needs best of all. And, what is also very important, you read terms&conditions attentively, where you were likely to find how ling you should wait for the approval. If this wasn't pointed out, you can go to the official site of the bank to check it up (if this kind of service is available) or call the customer service of the bank and ask them. Generally, it takes up to 7-10 days to wait for the response. Good luck!

Best,
Manager of Immediate Credit Card Care Service

User Name:
a
Date:
December 17, 2006, 1:39 am

what are the requirements for amex platinum card

Answer:

As you don't specify which AmEx Platinum card you are going to apply for, you can find it in the list of American Express credit cards presented at our site.
You should first of all get your credit report, so that you will know if you are eligible for the credit card you want. As you can see, AmEx credit cards are for good and excellent credit only, as they provide attractive benefits and low charges plus some exclusive services. So, you can find the credit card you want and apply for it using links at our site that will redirect you to the official site of the bank.

Best,
Manager of Immediate Credit Card Care Service

User Name:
joycehorney
Date:
December 19, 2006, 7:00 am

needinstructionsontheapplicationonline

Answer:

To apply online for a credit card,
you should take the following steps:
1. Get your credit report to be aware of your credit score
2. Look through the credit card offers for which you are eligible
according to your score and choose the best card or cards that
match your needs and requirements.
3. Click the link "Apply Online" by the card you've chosen to be
redirected to the page with the application form.
4.Fill it out and wait for the approval which can be either
instant or will be sent to you in up to 7-10 business days.

Best,
Manager of Immediate Credit Card Care Service

User Name:
oline
Date:
December 28, 2006, 9:44 am

Hi
I have citibank cc in Singapore. Now, I am moving to USA. What should I do? Should I close it? Should I continue using it? How can I make payments overseas?
thanks

Answer:

Your future actions should depend on where you are going to live and how you are going to use the card. If you will be a US citizen, you will have to build credit history there, and you will have to apply for credit cards in the American banks. If you use a Singapore bank credit card in the USA, you will have to pay foreign exchange fees, which is undesirable. For using in Singapore this credit card will be OK.
If you don't have American citizenship,you won't be approved fr a credit card in this country, as they are mostly for US residents.
If you want to keep an account in Citibank, but get it in the USA, you shoudl contact the bank and ask them anything that interests you.

Best,
Manager of Immediate Credit Card Care Service

User Name:
keith lovell
Date:
December 29, 2006, 7:25 pm

We are trying to reestablish credit for my fiance. She had a bankruptcy in 2004. We are looking for a secure or cosigned credit card that will help her rebuild her credit. Do you have such a card.

Answer:

If your fiance had bankruptcy in 2004, she is supposed to still have this item in her credit report. That's why, as you know, her choice is limited by secured credit cards (and bad credit cards afterwards) or credit cards with a co-signer.
At our site you can find secured credit cards which require a deposit to be made in the bank issuer of the credit card. The amount deposited will determine the credit limit available with this credit card. If you fail to pay off your debt or you are late with a payment, the bank possesses the right to use the money deposited as the credit card payment.
As far as credit cards with a co-signer, you should find a friend or a relative with good or excellent credit. He or she will apply for a good credit card and after approval you can be added to the credit card account as a co-borrower. You will have two separate credit cards, but the account will be common, and both of you will be responsible for paying off credit.

Best,
Manager of Immediate Credit Card Care Service

User Name:
Matt
Date:
December 29, 2006, 8:44 pm

Can I apply for a credit card online in Wisconsin?

Answer:

Generally speaking American banks issue credit cards for all official residents of the USA. If you`re an official resident of the USA, it makes no difference what state you`re living in. Wisconsin is one of American states, therefore there are no evident obstacles for you to apply for a credit card online with us! Filling in your application, just choose ?Wisconsin? in respective field and go ahead with the procedure. To make your credit card choice more effective, you should compare credit cards online thoroughly and take into consideration all credit card terms and conditions. Regard credit card offers stepwise and you`ll never regret!

User Name:
Maria Riley
Date:
December 30, 2006, 5:52 am

How do you know what credit report that they will use? One of my credit report is 530 and the other credit score is 662. Why is this? So which ever credit bureau that they use will have a different report.

When you dispute items on your credit and they are taken off does it bring up the credit score and when?

Answer:

A usual action of a customer before applying for a credit card is requesting his credit history at the major credit bureaus. It's a well-known fact that different credit bureaus use different schemes of calculating credit scores. It can also happen that some banks report to definite bureaus or your credit information just isn't dent to a credit bureau due to some reasons. Thus, your credit rating and information differ in reports of different credit bureaus. There can also appear items that have never took place in your real credit history.
In this case it is recommended that you dispute wrong or missing items in your credit report, making a special request to the bureau. They are obliged to correct all the mistakes in your report, and in the end you are expected to have identical credit reports in all credit bureaus.
What is that for? The thing is that in most cases it is difficult to learn which credit bureau the bank uses for getting credit reports. So, to make yourself safe, you should keep your credit reports equal.
As far as your credit score after disputing is concerned, you should expect the increase if the wrong items are moved away and the missing ones are added. After your new credit report is drawn up, your credit score is recalculated.

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