Immediate credit card care service

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Displaying 50 to 60 (of 79 questions)

Page: 6 of 8

Date:
February 1, 2007, 1:26 am

i did the application and was wondering what ismy status now and when or if will i recieve my card what's the next step

Answer:

What is the process of obtaining credit? You go to the web site, get acquainted with the best credit cards online, compare credit card offers and select a credit card fitting in with your credit score and credit history on the whole. So, you need to know your credit score, before you can fill out the online credit card application for a certain credit card. If you qualify for this very credit card, your are to be notified of your approval within minutes if the credit card offer provides such service. It is registered in terms and conditions on a credit card. If it doesn't it usually takes a week for creditors to consider your application and make their decision. Anyway, if you have some problems or misunderstanding, contact the bank you applied to to clear out the situation.

Best,
Manager of Immediate Credit Card Care Service

Date:
February 7, 2007, 7:17 am

I am re-building my credit, which cards will let you use a co-signer?

Answer:

In fact, all credit cards for good or excellent credit allow to co-sign for someone. But you cannot apply with a co-signer right away. First of all you need to find a good credit consumer who will apply for any good credit card online and get instant online credit card approval. Then, the person calls the bank and says that he'd like to add someone with bad credit to his account and that he will co-sign for him. A bad credit customer has to tell his social security and sign a special statement in which the co-signer agrees to share debt. Note that you and your co-signer will have different credit cards with different numbers but the credit account and the credit limit will be one shared between you.

Best,
Manager of Immediate Credit Card Care Service

Date:
February 26, 2007, 7:16 am

what is mastercard secure code?

Answer:

MasterCard SecureCode is a simple and secure way to pay at thousands of online stores. A private code known only to you and your bank, your SecureCode enhances your existing MasterCard account by protecting you against unauthorized use of your credit card when shopping online at participating online retailers. To sign up for MasterCard SecureCode, you are to choose your own SecureCode and to follow the simple steps outlined by your financial institution. Every time you pay online at participating retailers, you will be automatically prompted to enter your own private SecureCode - just like entering a PIN at the ATM. In seconds, you gain added protection while shopping online. Just look for the MasterCard SecureCode logo when shopping at participating online retailers. As you choose your own personal MasterCard SecureCode, it is never shared with any merchant. A private code means added protection against unauthorized use of your credit or debit card when you shop online. Every time you pay online with your MasterCard or Maestro card, a box pops up from your card issuer asking you for your personal SecureCode, just like the bank does at the ATM. In seconds, your card issuer confirms it's you and allows your purchase to be completed.

Date:
February 28, 2007, 8:09 am

how long does it take to increase your credit score?

Answer:

Basically, this action of increasing the credit score takes a long time. First and foremost you are to start by pulling your credit report and your credit score to see where you are. But mind that one of the most important indicator, the rating agencies use, is how soon you pay, rather than what percentage. So, the mantra for getting a great score is to pay your bills on time, keep account balances low, and take out a new
credit card only when you need it. If you want to improve your credit score quickly, rapid rescore is a way out for you. With rapid rescore, things such as charge offs and collections can be corrected. Unlike with your typical credit report where changes in your score can take months or even years, rapid rescore makes those changes to your score in days. Since rapid rescore is often expensive, it is usually only done by people who are looking to make a high dollar purchase such as a home or business. From start to finis the rapid rescore process will take about a week. Usually you would talk to your mortgage broker about rapid rescore and they would set it up with credit reporting agencies. Depending on the particular companies, you are dealing with, the whole process can take anywhere from three to five business days. After the rapid rescore is done however, your credit rating will be permanently changed to its new rate. The amount of improvement to your credit score is for the most part determined by the types of things you are having corrected on your credit report and the overall state of your credit before the report was done. The difference can be a few points or hundreds if you have something major removed. Just one negative item on your credit report can make your credit rate drop quite a few points. Correcting that problem could potentially save you thousands.

Date:
March 5, 2007, 4:28 am

i have no credit history (insufficient history) and have repeatedly been turned down for credit cards and department store cards. i even applied for the "no credit/no problem" credit card featured on this site and was turned down.

i am recently married and my wife and i have been house hunting. she has a great credit score of 751. I of course dont have a number at all and so the the mortgage that we take out will have to be in her name. we are contemplating adding me as a joint account holder on some of her credit cards so that i can begin to establish my own credit, but she is worried that by adding me that her score will lower and therefore it will affect our interest rate on our home in a negative way. my question is, will adding me lower her score? ( i know that if i had bad credit it would, but i have no credit score at all!) and what should or can i do outside of opening a secure credit card to begin to establish my own credit? thanks............

Answer:

As a usual run of things, by cosigning, you are accepting full responsibility for the debt if the other person does not pay as agreed. A cosigned account will appear on both your credit history and the other person's. All loans and credit card accounts that appear on your credit report will impact credit scores. I can truly tell you that if one co-signs for a credit card with someone and the person doesn't make the payments it can really screw your credit up. However, if that person is making the payments timely without any problems - then I'd say it won't necessarily hurt your credit. But at the same time it won't necessarily help it either. If you donâ€™t want your wifeâ€™s credit score to be hurt, first of all you can build some decent credit history with the help of secure credit cards or no credit cards, and thus to accumulate points to have a decent credit score.

Date:
March 30, 2007, 6:44 am

Cancellation of Credit Card

Answer:

We can just advise you to apply to your credit card issuer directly. You see, at our website we offer you a great variety of credit cards and help you to choose the credit card complying fully with your requests. You send your online application for the credit card to the official banks site. Then only the bank keeps your application. We do not have any kind of access to your credit card account and your personal information. If the bank set up your credit card account, only the bank can cancel it. So, contact to your credit card issuer and its representatives will answer all your questions concerning your credit card, accounts and so on.

Date:
April 7, 2007, 2:58 am

I just want to confirm I'm sending payment to correct address. I'm new credit card holder and sending first payment (never received a statement) tomorrow. Thank you.

Answer:

Actually the function of our site is to overlook online bank credit card applications and present all required data for them for you to compare credit cards online most effectively and choose a credit card, complying with your needs and corresponding to their credit score. We do not issue credit cards, we do not approve applicants for them, as well as we do not have access to your personal account and can`t accept your payments. Nonetheless we inform you kindly, that you can make your credit card payment in a number of ways. Firstly, you can use ATM, capable of transferring the required sum of money from your, say, debit card to the credit card account, thereby completing the payment procedure. Another way to make a payment is to send money by mail. The quickest way to make your credit card payment is to use Internet. In case your bank has online banking service, you should access the official site of the bank and get registered therein. Thereafter you`ll be transferred to your personal page. Herein you`ll find special forms to fill in for making a payment. Today the banks use all possible securing strategies to protect their clients against fraud, therefore you can feel absolutely safe, making payment online.

Date:
April 7, 2007, 3:00 am

If I get instantly approved, can I obtain and use my credit card number today?

Answer:

If you`re instantly approved, you`d applied for one of instant approval credit cards. Unlike instant decision cards, where approval/decline process may take place even after decision has been made, if you`ve received online credit card approval, you`ll get a credit card number right on the spot so you can start shopping as soon as your credit card application is approved. This uncontestable advantage instant approval credit cards can boast is their popularity among the applicants. So, if you haven`t yet decided, whether to apply for one of instant approval cards or not, don`t hesitate, fill in your application online and you`ll be able to use your card the same day! Best, Manager of Immediate Credit Card Care Service

Date:
April 7, 2007, 3:01 am

i,m not sure witch card could help me trying to build my credit

Answer:

If your purpose is to build your credit it`s most likely that you have no credit history. Thus you have to establish your credit and can do it by means of one of bad/no credit cards. First of all you can investigate Orchard bank credit card deals and First PREMIER credit card applications, offering cards for people with bad/no credit history. Compare credit cards stepwise, take into account all terms and conditions, compare credit card rates and setup and annual fees and apply online for card, enabling you to build your credit. Pay your attention to opportunity of credit line increasing some credit card deals can boast and build a good credit in due course!

Date:
April 26, 2007, 11:51 pm

i have 4 credit cards. total balace in all 4 card = to less than $3,000 the cards are high interes card due to my credit issues. i want to know if i could get a credit card to transfer the balaces and have one payment only. eventhoug my credit is poor? what do you suggest?

Answer:

As far as you possess a poor credit, you can be eligible for poor credit cards. And there are no balance transfer credit cards for poor credit. So, if youâ€™d like to become the owner of balance transfer credit cards, first of all, you are to improve your credit history with the help of secured credit cards or unsecured credit cards for a poor/no credit history. Of course, this process of improving the credit will take time. Nevertheless, pay your bills on time and youâ€™ll certainly be a success. Another way out for you is to have a credit card with a co-signer. In this respect, you can also ask a relative or a friend with a good credit history to be your co-signer. He or she applies for a good credit card in accordance with the credit score, signs you up as a co-borrower and you pay off the credit on more beneficial terms, and accumulate credit points, but he/she is responsible for this credit as well. Please, study carefully all the terms and conditions of our good credit cards with such benefit as balance transfers on credit cards, like Discover Card Platinum card, to find a credit card in accordance with the credit score.