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Displaying 60 to 70 (of 79 questions)

Page: 7 of 8

Date:
April 26, 2007, 11:52 pm

When USA Credit called me and asked for my bank information, I gave it to them. Then they told me they were going to charge $79.95 to my account and I told them I did not have the money at this time and to contact me at a later date an the proceeded to charge my account making my account go negative. How do I reverse this charge?

Answer:

Actually, we don’t have information on charges or any other personal info. Our web sites, as find-best-cards.com in particular, aim at helping you and other customers to find a proper credit card for their needs among the great variety of bank credit cards. But we can surely tell you that it depends on your bank, your financial history with the bank, and your personal skills in resolving this matter. Thus, first and foremost, don’t argue with the bank. Try to see a branch manager, in person, and explain your matter. Be firm, polite, and understanding no matter the outcome. Besides, remember, banks want to keep you as a customer if you have a positive history with them, and they don't like people making up excuses. Admit your fault and then ask very nicely. Yes, ask the branch manager for help. Very politely admit that you made an error and request the fees to be waived. Also, ask if there is any way to prevent this in the future. They will have some type of overdraft protection to offer you. Accept it. It will be seen as a sign of your intention to continue your banking relationship. They want your business and that is a better way to show them that you will stick around since they have given you such a great service. Now here is the catch. They are probably going to give you a line of credit. If you are not good with credit, close it (but of course, not on the same day they give it to you). If you are able to keep it in control, keep it because this may help you if you ever make an error again. The bank wants customers that have more than one product with them. When you become a true customer they will be more than willing to help you out. But don't expect all the fees to be reversed unless you are a sweettalker. Usually, you can contact either your bank or credit card company, and they'll tell you what to put in the letter. Or, some banks have web-sites where you can submit requests to dispute charges as well. If you're lucky, they might take it right on the phone, no writing involved. So, ring your bank not the call centre! That’s what we advise you to do, and they usually take the charges off!

Date:
April 26, 2007, 11:53 pm

Do you offer a card with zero interest for a year on balance transfers? We are a Non-Profit Organization and are looking for a credit card that makes sense for us. Can the card be in the Organizations name or does it need to be in the Executive Directors name?

Answer:

Yes, we offer a credit card with zero interest on balance transfers. For instance, the Chase Platinum MasterCard comes with zero-percent introductory rates on balance transfers for six months. As you accumulate enough points for a good credit score, you can find such a credit card among our MasterCard credit cards for running your business successfully. In this case, first you will use your personal credit as a guarantee. Later on, as you continue using a credit card, applying for the new ones and paying them off on time and in full, for not less than 5 years, you will be able to use your business credit history as a guarantee of your ability to pay. So, when applying for a credit card, you will have a right to give your tax ID instead of SSN, to refer the bank to a business credit bureau. To find out which credit cards are based on your business credit, you can look at the terms & conditions of our credit cards and find it there.

Date:
April 26, 2007, 11:54 pm

Do you have Edward Jones Mastercard applications?

Answer:

Unfortunately, we don’t have Edward Jones MasterCard applications. Among our MasterCard credit cards for all kinds of credit card history, you can find Gold MasterCard and Platinum MasterCard, Citi Professional MasterCard, Centennial MasterCard, Orchard Bank Gold MasterCard for a bad credit that charges affordable rates and reports to 3 credit bureaus monthly that can help you to rebuild your credit. Please, study the trems and conditions of all the credit cards carefully to find the card in accordance with your credit card history and your credit score.

Date:
April 26, 2007, 11:56 pm

secured credit card verses a non secured credit card?

Answer:

Secured credit cards are an option to allow a person with a poor credit history or no credit history to have a credit card which might not otherwise be available. They are often offered as a means of rebuilding one's credit. Secured credit cards are available with both Visa and MasterCard logos on them. Fees and service charges for secured credit cards often exceed those charged for ordinary non-secured credit cards, however, for people in certain situations, (for example, after charging off on other credit cards, or people with a long history of delinquency on various forms of debt), secured cards can often be less expensive in total cost than unsecured credit cards, even including the security deposit. Secured and unsecured cards can be used to pay for goods and services. However, a secured card requires you to open and maintain a savings account as security for you line of credit; and unsecured card does not. Typically, a secured card requires an annual fee and has a higher interest rate than an unsecured card.

Date:
November 21, 2007, 6:59 am

HOW CAN I APPLY AND TRYING TO BUISNESS CREDIT TO OPEN MY SMALLBUISNESS

Answer:

Thank you for addressing your requests to our service. We hope our answer helps you. At this site, we offer you various options suggested by American Express, Advanta, Capital One, and other banks, so you are free to compare business credit cards. You should mention that all of these require excellent/good credit (660-749/750-850). Some of them include cash back, points, and other rewards, in addition, you can find here no fees and lowest APR. Feel free to explore, compare, and apply online for a credit card which does for you best. Please, note that these credit cards are for PERSONAL, not corporative use.

Date:
November 27, 2007, 2:58 am

is there a credit card i can apply for without having to put a deposit down first

Answer:

Thank you for asking your question. We hope our answer helps you to find a credit card you need. First of all, if you examined secured credit cards (those which require deposit) probably your credit score is bad (or you do not have at all). In this case we may also suggest you unsecured bad/no credit cards. Pay special attention to Centennial Gold MasterCard/Visa. This one has, among other features, Instant Approval. Feel free to compare these plastics and apply online for a credit card which does for you best.

Date:
December 4, 2007, 3:45 am

How do i know what credit card to apply for?

Answer:

Thank you for addressing your requests to our service. We hope our answer helps you to find a credit card you need. First of all, you should find out your credit score via credit bureau. Excellent credit implies 750-850 of FICO score, good - 660-749, average (fair) - 620-659, bad/no - 0-619. If you have never had a credit card, you have no credit score. In this case you can apply for bad/no credit cards and secured credit cards. Having good or excellent credit score implies that you can apply for best credit cards with various rewards and bonuses. For every type of credit there are appropriate types of credit cards.

Date:
December 25, 2007, 1:36 am

	i need a card which does not charge bt fee
	Answer: Thank you for your question. If you want a crdit card with no balance transfer fee, possibly IN:NYC Card from American Express is a nice choice for you. This one has 0% APR for 6 months both on balance transfers and purchases, 11.49% Ongoing APR, $0 Annual Fee, and other features. It also allows you to earn points. For more detailed information compare balance transfer credit cards.

Date:
January 25, 2008, 8:42 am

I would like to get a Chase card best for purchases. My score is excellent.

Answer:

Thank you for addressing your requests to our service. Yes, at our site there is a credit card which meets your requirements. We recommend you Platinum Visa from Chase Bank. This one has 0% introductory rate for 12 months both on balance transfers and purchases, 13.24% ongoing APR, no annual fee, free travel services, and other features. To get more detailed information on this credit card please compare low APR credit cards using this link. If you want a credit card for purchases issued exactly by Chase bank, this one is the best choice.

Date:
February 1, 2008, 7:23 am

are there any credit cards which grant gas rebates on ANY gasoline?

Answer:

Thank you for addressing your requests to our service. Yes, at our site, there are quite enough variants of credit cards with gas rebates involving any gasoline. All you have to do is to choose basing on your own special needs, with regard to a bank or some specific rewards these cards offer (for instance, the max. percentage of cash back). So, we recommend you ther following options: Discover Open Road Card, Capital One No Hassle Cash Rewards, Citi Diamond Preferred Rewards MasterCard, Capital One Points Rewards, and PerfectCard MasterCard from Chase bank. To get more detailed information on these cards, compare them, and apply online please explore our gasoline credit cards.