Immediate credit card care service

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Displaying 10 to 20 (of 79 questions)

Page: 2 of 8

User Name:
Andrew Arnold

Date:
November 14, 2006, 5:56 pm

I am trying to get a 0% interest credit card. In the past I have not been successful and I was wondering if I could get some assistance with this matter. I would like to know what guidelines credit card companies use to make their decisions when approving a consumer for a 0% interst card. If I have had a collection in the past 12 months (that has been paid) will that disqualify me? What about late payments, even if I am not currently delinquent? Also I would like to know how much they base their decision off of the credit score. If you could help me out with these questions, I would appreciate it very much!
Thanks, Andrew Arnold.

Answer:

0% APR cards are mainly for good credit score, but there are cards for lower credit scores, too. In the majority of cases they provide 0% APR for intro period, which is followed by regular APR, depending on the credit card offer. As for the details on your credit report, they matter, of course, but if you have good credit and some delinquencies in the past, the bank may offer less beneficial terms on the card you've chosen, but you'll get the approval.

Best,
Manager of Immediate Credit Card Care Service

User Name:
ronnie

Date:
November 15, 2006, 3:48 pm

	can i get approved and get a cc number instantly online ready to use and make online purchases?
	Answer: Instant online approval doesn't usually mean you can immediately start using your credit card. If you look through instant approval credit cards, you can find something suitable for you, but you should read terms&conditions carefully to know how your credit card works for sure. Best, Manager of Immediate Credit Card Care Service

User Name:
Tonya Calvert

Date:
November 16, 2006, 4:43 pm

	How do I respond to a mailed offer?
	Answer: If you were pre-approved for a credit card by mail, you receive an activation number and instructions how to use it - either you go to a web-site and enter the activation number or you call the given number and tell them your AN and they activate your card. Best regards, Manager of Immediate Credit Card Care Service

User Name:
MARIE M NUGENT

Date:
November 16, 2006, 11:22 pm

	I have been sent a credit card preapproval offer, activation number 514480388285xxxx. I'd like to take this credit card. I don't want credit protection program at this time. I would like the overnight express service. Thank You. Marie M Nugent drgnblckrs6@hotmail.com
	Answer: If you want to activate your credit card, you should go to the web site of the bank or call the customer service and dictate or enter your activation number and note the options you would like to choose. Best, Manager of Immediate Credit Card Care Service

User Name:
Tom Brewer

Date:
November 17, 2006, 6:36 pm

	international fee
	Answer: Probably, you mean the foreign exchange fee. As for this fee, our credit cards charge 1-2% fee, and this depends on the type of credit cards. See the terms and conditions as some credit cards have no foreign transaction fees available. Good day, Manager of Immediate Credit Card Care Service.

User Name:
Cynthia Caudill

Date:
November 18, 2006, 3:27 pm

Hello,
My situation; I filed chapter 7 bankruptcy (jointly with my husband). Since then we have been seperated. I am now losing my automobile, and paying back monies from last years taxes, and then some. I am paying out more money than If I had not filed. Now living on a low income with a child to care for, I am in a financial crisis. My question is this; Can I reverse only my part of the bankruptcy? What effects will that have? Thank you for your time.
Sincerely,
Cynthia

Answer:

Your creditor can get money from one of you who is thought liable for the debt or from both. Now, when you are responsible for half of the debt, you'd better go to BANKRUPTCY court. DIVORCE courts have the power to assign responsibility for payment of debts to one of the spouses. BANKRUPTCY courts have the power to discharge or release you from paying them.

Best,
Manager of Immediate Credit Card Care Service.

User Name:
debbie

Date:
November 19, 2006, 4:26 am

What are the qualifications for american express good credit credit card? My lowest score is from Transunion at 688 up to 725 at equifax and 724 on experian. I have a paid in full chargeoff from Aug. 2001It isn't even correct info on the report , but I am having no luck getting it removed. It states it was paid thru a bankrupcy wage earner plan. This is totally false as there was no bankrupcy filed or declared. Any suggestions?I applied for a good credit AMEX and was turned down for the reason of Bankrupcy with a chargeoff. There is no bankrupcy under public records. The term is in there associated with the paid charge off.

Help please

Answer:

According to our table of credit scores, you have a good credit since the highest score is 725. In fact, all the scores should coincide with each other. So you'd better stand on your own and dispute the inaccuracies in your credit report. Under the Fair Credit Reporting Act, you have the right to dispute them for free. If you find a mistake in your credit report, call or apply to the credit agency. The agency will check with the source of the information and send you updated info. The dispute process can last for up to 30 days then. If you still disagree with the info, you can add your own statement to the credit report. File a short statement with the consumer reporting agency. Explain the nature of the discrepancy in no more than 100 words. Your statement will become part of your credit file. It will be included each time credit agencies access your credit file, while the disputed item remains in your credit file.

Best,
Manager of Immediate Credit Card Care Service.

User Name:
Glen

Date:
November 20, 2006, 12:13 am

Hello. I would like to know how do I get a credit card company to look at me and make a pre-qualified, or pre-approved offer to apply for their credit card. (e.g. Discover or American Express, I have Visa & Mastercard). I do not want to make a hard inquiry onto my credit report unless I know that I stand a good chance of qualifying for the new card. I had a major credit problem 6 years ago, but have since recovered my credit rating into the 690-705 range. I also have a very good paying job. But I don't want to do anything to damage my credit, like applying for a card that gets denied. I primarily am looking for a card that offers direct ofx transaction downloads into Quicken, since none of my current credit cards provides that. I would then use this card as my primary usage card for that feature alone.

Answer:

First of all, you should make your credit reports from the three bureaus identical, as your three scores differ. Second, you can't get a pre-approval credit card, as it is the bank that searches for potential customers and sends pre-approval letters (it doesn't damage your credit, as you are already approved, and you can deny the offer if you like). AS for the banks that let you download the credit cards' transactions information into Quicken, I think there are many of them, like, say, Bank of America.

Best regards,
Manager of Immediate Credit Card Care Service

User Name:
Betty Maestas

Date:
November 21, 2006, 4:10 pm

	Can i get a card that will pay off a 400.00 credit card balance with a low apr?
	Answer: I can't advise anything,as you haven't mentioned you credit score. You can't choose a credit card if you don't know what credit history you have. Best, Manager of Immediate Credit Card Care Service

User Name:
Khandeece

Date:
November 22, 2006, 3:13 pm

	Doe credit land offer or do you know of any websites that offer co sign credit cards.
	Answer: If you want to be a cosigner, or find a cosigner to apply for a credit card, you should be or find a person with a good credit and apply for any good credit card. After that a second person can be signed as a co-holder of the credit card. Goos credit cards can be found at Credit-Land.com or any other site. Best, Manager of Immediate Credit Card Care Service