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Credit Cards > Credit Card Applications
I have credit scores from Equifax, Experian and Transunion ranging from 656 to 712. I am looking for a new credit card to help build my score back up because I had to file Chapter 13 in April 2014 and I paid it off in May 2017. The BR has been discharged and I am looking for a credit card that gives you your FICO credit score and helps you rebuild credit, be it secured or non-secured. Which credit cared to y'all recommend? Thank you, Denise
- Asked Jan 17 , 2018
With this range of credit scores, your score could be either Fair or Good, so the best options are either credit cards for fair credit or credit cards for good credit. There are many different factors that affect which card is best for you, for instance if rewards are important, perhaps take a look at the Quicksilver One Rewards Card! Or if having an extra long introductory period for offers such as low APR is important for you, the Citi Simplicity Card would be a great choice!
I have a credit score of 675 and have some debt already. What card do you recommend?
- Asked Dec 10 , 2017
With a score in the mid/upper 600s, your credit is considered "fair" and there are a handful of solid credit card offers you have a good chance of getting approved for. Check out our credit cards for fair credit page to see all of the best options!
I have excellent credit (760 score). I am contemplating another credit card and need some guidance, I am interested in extended period 0% interest and 0% balance transfers, and $0 annual fee. I am also hopeful to get a card that can help me earn rewards from cash to travel etc. Which cards should I be considering?
- Asked Dec 4 , 2017
Here are a few credit cards that offer 0% intro APR, $0 annual fee, and rewards – The Citi Double Cash offers a lengthy intro APR on balance transfers as well as a leading flat-rate cash back rewards program. The Discover it Cashback Match comes with 0% intro APR on purchases and balance transfers, plus a generous cash back program with a big first year bonus. The Bank of America Travel Rewards Credit Card has a nice intro APR on purchases plus a flexible travel rewards program to earn points on all your spending.
I have a Credit score of TU 676 and EQ 694. My credit limit is $2,000. My average age is 9 months. I was wondering if I'm able to be approved for any of the cash back/rewards cards? I have a 100% payment history.
- Asked Dec 4 , 2017
It sounds like you are doing everything right to build your credit score! With credit scores in the upper 600s, your credit is considered "fair" and getting close to the "good" range. One cash back rewards card that you have a great chance of getting approved for is the Capital One QuicksilverOne Cash Rewards Credit Card.
I just went thru my divorce in which my finances took a hit and my credit was not the best. I am rebuilding my credit and i need a credit card. I dont have any debts other than my house and car notes. My credit score is 650-675. Should i wait till it is in the 700's or apply now? Which card you recommend? I will be travelling a lot!
- Asked Nov 17 , 2017
With a credit score in the mid 600s, your credit is considered "fair". Check out our credit cards for fair credit page to see all of the best options for you! Since you plan on traveling a lot I would consider the Capital One Platinum Credit Card or the Capital One QuicksilverOne Cash Rewards Credit Card since these cards are available for fair credit and do not change foreign transaction fees.
I have Fair Credit and I need a credit card with no annual fee and low interest rate. Can you suggest an appropriate card?
- Asked Oct 20 , 2017
With fair or average credit, it may be difficult to find a credit card with a competitive interest rate. However, there are a handful of credit cards with no annual fee. Check out our credit cards for fair credit page to see all of the best options! One solid choice for a no annual fee credit card is the Capital One Platinum Credit Card.
I have a 580 credit score due to lack of credit mainly. What is a good credit score to be approved for a credit card to build credit other than the secured cards that you have to load?
- Asked Oct 18 , 2017
Generally speaking, once your credit score begins to climb into the 600s, you have a better chance of getting approved for an unsecured credit card. Cards like the Capital One Platinum Credit Card or the Credit One Bank Unsecured Visa Credit Card are both solid options if you're looking for an unseecured card for fair credit.
I am looking for a card to make the most money with my purchases. I always pay my balance off in full (high 700 credit score). Most of my purchases are groceries and gas. I would also like the card to benefit me long term, not just a quick $150 in 90 days. Chase, Capital One, Discover? Help so many variable to sort out. Thank you.
- Asked Sep 26 , 2017
With a credit score in the high 700s your credit is considered "excellent" and you have a great chance of getting approved for any credit card you choose. Check out our credit cards for excellent credit page to see all of the best options! Since you spend a lot groceries and gas, we would recommend you first take a look at the Blue Cash Preferred® Card from American Express and the Bank of America® Cash Rewards Credit Card. Both of these cards offer bonus cash back in those categories!
My credit score is 640 what card can you suggest?
- Asked Sep 6 , 2017
WIth a credit score in the mid 600s, your credit is considered "fair". Check out our page for credit cards for fair credit to see all of the best options!
What unsecured credit card do you recommend for a 708 credit score?
- Asked Aug 27 , 2017
With a score in the low 700s, your credit is considered "good" and you have a decent chance of getting approved for most credit cards. Check out our credit cards for good credit page to see all of the best options!
If I was to apply for the CITI simplicity card, would the 0% APR start when I receive the approval/card or would it start when I make my first purchase?
- Asked Aug 9 , 2017
The intro APR would start as soon as you were approved and your acount was opened.
What card do you suggest for credit score of 600 with not so good credit history
- Asked Aug 6 , 2017
Here are some options for poor credit. These cards will frequently report to the three major credit bureaus so you can quickly rebuild your credit and get a card with great rewards. For now, though, these cards are your best bet.
I have a credit score of 650 which card would i qualify for
- Asked Aug 4 , 2017
There are plenty of options for customers with fair credit - check out our best options <a href="http://www.comparecards.com/credit-quality/fair">here</a>. Depending on your preferences, you'll be able to find cash back cards, no annual feee cards, low interest cards, as well as many other perks.
I need to transfer a large balance (25K) to a 0% interest card. I saw your article listing the best cards to transfer to, which was very helpful. My question is how do the banks decide whether or not to offer the credit? I get various "pre-screened" offers because my credit is good, but I am currently unemployed with little to no income. Will I be rejected automatically because of this, or is a good credit score good enough? Do you have other suggestions? (Besides, get a job! I'm working on that.)
- Asked Aug 4 , 2017
Credit issuers all have their own unique formulas for approving customers and determining balance transfer limits, but the four main areas that they look at are your credit score, the type and size of debt, your debt to income ratio, and your overall income as a whole. The fact that you are unemployed is most likely the biggest reason you might get rejected. Although your outstanding balance is significant, your good credit should keep banks interested (as you mentioned with the various "pre-screens") as long as the type of debt looks financially resposible (a student loan, for example, rather than overdue payments from retail purchases). Other than finding a steady source of income, it will be hard to improve your application and apply with confidence that you'll be approved. However, you may still get approved for the card, and if you are not approved for a large enough balance transfer limit, you can do mutiple smaller balance transfers during the intro APR period allowed by the credit card you choose.
I have never had credit. Never needed it just worked and bought everything cash. Now that I'm 35. I know I need it to buy a house what card would be good cards to apply for to start my credit.
- Asked Jun 21 , 2017
If you have no credit, you will most likely have to start with a secured credit card. Secured cards work just like normal credit cards, but you have to put down a refundable security deposit to get approved. By putting a few charges on your secured cards and always paying your balance off in full and on time each month you should be able to build your credit up over time. Two excellent options for a secured credit card would be the Capital One Secured Mastercard and the Discover it Secured Card.
I don't have a credit score. What's a good card for me? Preferably unsecured & no annual fee
- Asked Jun 18 , 2017
If you have no credit, you will most likely have to start with a secured credit card. Secured cards work just like normal credit cards, but you have to put down a refundable security deposit to get approved. By putting a few charges on your secured cards and always paying your balance off in full and on time each month you should be able to build your credit up over time. Two excellent options for a secured credit card would be the Capital One Secured Mastercard and the Discover it Secured Card.
I have a bankruptcy less than 2 years old. I currently got a Capital One card, made 1 purchase and paid it off in full before my statement date. I also have a 1st Premier card with a $300.00 limit. Would it be wise to apply for an additional credit card?
- Asked Apr 28 , 2017
It sounds like you are on the right path to improving your credit. Opening a third credit card account may help you raise your credit score even faster because it will increase the total amount of credit available to you and also decrease your credit utilization rate. Just remember that the biggest factor in improving your credit score is the history of your on time payments, so be sure to keep paying the balance on your current credit cards on time and preferably in full.
My score is 645 which credit card company will accept my application?
- Asked Apr 27 , 2017
With a score of 645, your credit is considered "fair" and there a number of solid credit cards that you have a good chance of getting approved for. Check out our credit cards for fair credit page to see all the best options!
I have Fair Credit.What credit card will help me out and give me a chance to build back my credit?
- Asked Apr 15 , 2017
Any credit cards when used responsibly will help you build credit over time. If you have fair credit, check out our credit cards for fair credit page to see all the best options. A few of the most popular choices are the Capital One QuicksilverOne and the Credit One Bank Platinum Credit Card. In order to build your credit score quickly, be sure to always make your payments on time and try to pay your balance off in full each month.
I have credit cards with high interest and one with a high annual fee. I'm looking for a card with no annual fee, 0% apr on balance transfers for at least 12 months, and great cashback rewards. What would be my best option?
- Asked Mar 22 , 2017
What if I never owned a credit card? what can you recommend me looking at? I shop occasionally, and eat out frequently.
- Asked Feb 8 , 2017
If you already have an established credit history, you maybe able to get approved for a standard, unsecured credit card as your first credit card. Check out the Capital One QuicksilverOne or the Credit One Platinum Credit Card if you think you already have fair credit. If you have no credit history, you'll probably need to start with a secured card as your first credit card. Secured cards work just like normal credit cards, but you have to put down a refundable security deposit to get approved. We recommend the Discover it Secured Card or the Capital One Secured MasterCard.
I have a 635 credit score but lots of none payments from medical collection. What kind of card can I qualify for to keep rebuilding my credit with unsecured credit card. I make my mortgage on time every month.
- Asked Jan 24 , 2017
With a credit score in the low to mid 600s, your credit is considered fair. Check out our page for credit cards for fair credit to see all the best options! Any card will help you build credit as long as you use it responsibly. Two great choices would be the Capital One QuicksilverOne and the Credit One Unsecured Visa Credit Card. Both of these cards offer cash back rewards programs and are available for consumers with fair credit.
Can both I and my wife file for separate cards, each having a different number?
- Asked Jan 7 , 2017
You and your wife can certainly apply for separate credit cards. Once you select a credit card, you will simply need to fill out the application twice; once with your information and once with your wife's information.
Today I opened my first credit card (a capital one journey card) and wanted to open a second (Kwik trip credit card). Will this be beneficial to my credit score and future if I plan on keeping my utilization at around 20 percent for my capital one journey card?
- Asked Dec 30 , 2016
Congratulations on opening your first credit card! Opening a second credit card should help you build your credit score faster as it will add another account to your overall credit portfolio. Having a second card will also increase the total credit limit you have available and help make sure your credit utilization rate remains low. We are not familiar with the Kwik Trip Credit Card, but generally speaking, store brand credit cards do not offer as good of benefits as credit cards from major banks – the Journey Student Rewards from Capital One is a great first credit card! If your goal is to improve your credit, it will be in your best interest to keep these credit cards open long term to boost the average age of your accounts. Because of this, it could be in your favor to open a card with no annual fee. The Discover it for Students is another great credit card for beginners.
What card would you recommend for a man with no real credit history. Have just bought a new car with wife and want to start this credit game.
- Asked Dec 14 , 2016
If you have no credit, you will probably need to start with a secured credit card. Secured cards work just like normal credit cards but you have to put down a refundable security deposit to get approved. After a year or so of responsible use, you will have built your credit score up enough to get approved for a standard unsecured credit card. Two secured cards that we recommend are the Capital One Secured MasterCard and the Discover it Secured Card.
My FICO TransUnion is 672, my Equifax is 642, and experian is 659. What card is best for my score?
- Asked Dec 4 , 2016
With scores in the mid 600s, your credit is considered fair and there are a number of solid credit cards you may be able to get approved for. Check out our credit cards for fair credit page to see all the best options! If you're looking for cash back, I'd recommend the Capital One QuicksilverOne. For a good rewards program with no annual fee, the Barclaycard Rewards MasterCard is a great option. If you're simply interested in building credit or having a simple credit card, check out the Capital One Platinum Card.
Can I pre qualify without affecting my credit score ?
- Asked Nov 30 , 2016
There are some credit cards that offer allow you to see if you are prequalified with no impact on your credit score. However, these cards are geared towards consumers with poor credit or no credit and will usually come with high intersest rates and fees. Two cards that offer a prequalification check are the Credit One Bank Visa and the Milestone Gold MasterCard.
My credit scores are in the 637 632 and 657 what is recommended for a credit card would you suggest.
- Asked Nov 19 , 2016
I am looking for the best card to build my credit score at age 59 I have no credit score.
- Asked Nov 13 , 2016
If you have a limited credit history or poor credit you will need to start with a secured credit card. Secured cards work just like normal credit cards, but you have to put down a refundable security deposit to get approved. After a year or so of responsible use, you should have built your credit up enough to get approved for a standard, unsecured credit card. The Capital One Secured MasterCard and the Discover it Secured Card are two of the best options to start with.
I had wonderful credit many years ago and then had many medical problems that destroyed my credit. I'm starting to rebuild my credit but only have a fair score. Is there a card you'd recommend to rebuild and not have another secured card? Thank you.
- Asked Nov 12 , 2016
There are a number of unsecured credit cards that you may be able to get approved for with fair credit. Be sure to check out our credit cards for fair credit page to see all the options! A few of the best options would be the Capital One Platinum Card, the Barclaycard Rewards MasterCard, and the Capital One QuicksilverOne.
I was told I should apply for a citi bank card to build my credit. I would be told which card would be the best fit for me I have a 687 score. I filed for chapter 13 in 2012 and it was dischared in April 2016.
- Asked Nov 11 , 2016
With a credit score in the high 600s and a bankruptcy in your recent history your credit is considered to be in the fair to good range. Opening a credit card account could certainly help you raise your credit score as long as you use the card responsibly and consistently make on-time payments. Most Citi credit cards require good to excellent credit to get approved, so cards from Capital One or Discover might be a better fit for you as they typically are able to approve applicants in your credit range. The Capital One QuicksilverOne would be a solid credit card for you to start out with!
Which credit card(s) will provide the best rewards, especially travel ones, when I pay for my sister's surgery, which will be about $10,000. Then I will use my savings and paid the card balance off immediately. My joint income is $100,000. My FICO score is 838, but I have several credit cards with no balances. I need to pay her bill in 15 days. Is it unwise to apply for two cards at once? Thank you.
- Asked Nov 8 , 2016
The Chase Sapphire Preferred and the Barclaycard Arrival Plus World Elite MasterCard have two of the biggest credit card sign up bonuses for travel rewards. The Chase Sapphire Preferred offers 50,000 points after cardholders spend $4,000 in the first 3 months. That bonus can be worth $625 in travel or more! The Barclaycard Arrival Plus currently has a limited time sign up bonus of 50,000 miles after you spend $3,000 in the first 90 days. That's worth $500 in travel statement credits! With a credit score in the 800s, you shouldn't have a problem getting approved for any credit card. Because your credit score is already so high and you have several credit cards with no balance, you shouldn't be concerned about applying for two credit cards at the same time.
I don't have good credit can I still get a credit card
- Asked Oct 23 , 2016
I don't know my credit score. What will be the best card for me.
- Asked Oct 22 , 2016
It's important to know your credit score before apply for a credit card because knowing your credit score can steer your towards credit cards that you have a better chance of getting approved for. You can check your credit score for free with our Credit Concierge service! In your Credit Concierge account you will see recommended credit cards based on your credit score. That would be a great place to start with looking for a credit card.
Hello my name is Melvin. I'm looking for a credit card with a credit line of $10,000 or no less than $5,000. With a 0% period of at least 15 months. Cards with a sign up bonus are a plus. I have good Credit around 720
- Asked Oct 18 , 2016
With a credit score of 720, your credit is considered good and there a number of great credit card offers you may be able to get approved for. The Chase Freedom Unlimited sounds like an excellent fit for you as it comes with 0% intro APR for 15 months on purchases and balance transfers and you can also earn a $150 bonus after spending $500 in the first 3 months. There is no annual fee with this card and you earn an unlimited 1.5% cash back on all of your purchases. The line of credit you get approved for will depend on your creditworthiness and other factors on your application, so there is no way to know for sure that you will be approved for a line of credit as high as $10,000.
Hey I am an 18 year old, decided not to go to college right out of high school to avoid the debt and take a few years off and start my first job at Walmart. I started working about a month ago and I want to start building up my credit so I can finance things such as a new computer and vehicle in the near future.... I was wondering what I could do to have the highest probability of obtaining a Credit Card, as well as building my credit quickly and efficiently as I move into the adult years of my life.
- Asked Sep 30 , 2016
It's a great idea to begin building credit while you are young so that you can boost your credit score and form good habits. Since this is your first credit card and you might not have any credit history, you will probably have to start with a secured credit card. A secured card works just like a normal credit card, but you have to put down a refundable security deposit to get approved. After a year or so of responsible use, you will have built up your credit enough to get approved for a standard credit card. At this point you can close your secured card account and get your security deposit back. Two secured credit cards that would be great options are the Capital One Secured MasterCard and the Discover it Secured Card. When building credit, it's important that you remember to always pay your bill on time and in full!
My credit score is 659 is there any unsecured credit cards I am preapproved for?
- Asked Sep 24 , 2016
Unsecured credit cards will typically not offer a preapproval because the credit card issuers must review your credit history before approving you for a credit card. But with a credit score of 659, your credit is considered fair and you should be able to get approved for a number of unsecured credit cards. The Capital One QuicksilverOne Cash Rewards Credit Card and the Barclaycard Rewards MasterCard are two of our favorite cards for fair credit. Be sure to check out all the options on our credit cards for fair credit page!
My daughter is trying to get a credit card to build her credit up some more but every time she try to apply for a credit card she grt turn down so can u give me some advice on what card should she get?
- Asked Aug 12 , 2016
If your daughter has a limited credit history, she will probably need to start with a secured credit card. Secured cards work just like normal credit cards, but you have to put down a refundable security deposit to get approved. The Capital One Secured MasterCard and the Discover it Secured Card are both excellent options to start with!
My 23 year old daughter graduated from college 9 months ago, has been steadily employed ever since, has a lease on an apartment and has been living there for 9 months, has utilities in her name and has started paying monthly on her student loans What credit card would be good for her initially?
- Asked Aug 10 , 2016
If she has student loans and has been paying monthly, then she might already have a good credit score. Before applying for a credit card, she should check her credit score to find out where she stands; this will give her a better idea of which credit cards she can get approved for. You can check your credit score for free with our Credit Concierge service! Once she knows her credit score, she can browse our selections of credit cards for fair credit and credit cards for good credit to pick one that suits her best. One credit card that is often very accepting of new customers who only have a limited credit history is the Discover it Card. This card also has no annual fee, great cash back rewards and a number of helpful perks like a free monthly credit score update.
I'm looking to make a jewelry purchase of $1200-$1500 and I have a 731 credit score what credit card would be best to apply for?
- Asked Aug 7 , 2016
If you're looking for a credit card to finance the purchase over a long period of time, the Citi Simplicity would be an excellent option for you as it comes with 0% intro APR on purchases for the first 21 months. If you plan on paying off your balance in full and are looking to earn the most rewards on your big purchase, I would recommend the Citi Double Cash card as you'll earn 1% cash back on your purchase and another 1% back on your payment.
I'm seeking a low interest rate credit card. Approximately 3.0 interest - 8.25 interest.
- Asked Aug 1 , 2016
It sounds like the Barclaycard Ring MasterCard will be the best fit for you. There are no credit cards that offer interest rates as low as 3% APR, but the Barclaycard Ring MasterCard does have an ongoing APR of only 8.25%. There is also no annual fee, no balance transfer fee, and no foreign transaction fees.
I would like a 0% intro purchase apr with a low interest rate afterwards. I would like a credit card that would give me more than $5k credit limit. I am not sure which credit card that i should apply to.
- Asked Aug 1 , 2016
There are a number of credit cards that offer 0% intro APR and low interest. The ongoing interest rate and line of credit that you get approved for will depend on your creditworthiness, so the high your credit score is the more likely you are to get approved for a low rate and a credit line of $5,000 or more. One great card to consider is the Discover it card. It comes with 0% intro APR on purchases for 12 months and if you have excellent credit, the ongoing interest rate could be as low as 11.24% APR.
The last credit check I had the guy told me "Its like you've been living in a cave all these years" so w/ no credit, is it possible to get a credit card that's worth $6000?
- Asked Jul 28 , 2016
If you have no credit, it is extremely unlikely that you will be able to get approved for a credit card with a line of credit as high as $6,000. You will first need to establish a solid credit history. You can do this by opening a secured credit card and making on time payments every month. Over time, your good payment history and the age of your account will help bring your credit score up and you will eventually be able to get approved for a better credit card with a higher line of credit.
I have never had a credit card, but I do have good credit thru loans, and no outstanding bills . I would like the perfect card just in case of emergencies, with low interest rate and rewards. I'm very nervous about getting one and need some help please.
- Asked Jul 25 , 2016
If you have good credit, there are a number of credit cards that would be a good fit and can offer both low interest and a rewards program. The Discover it is a good option as it comes with one of the most rewarding cash back programs on the market. There is 0% intro APR for 12 months on purchases and balance transfers and after that the interest rate could be as low as 11.24% depending on your credit worthiness.
I want a low interest rate card 11% or less.
- Asked Jul 19 , 2016
If you have excellent credit, we would recommend applying for the Barclaycard Ring MasterCard. This card comes with a very competitive low interest rate of only 8.25% Variable. The is also no annual fee, no balance transfer fees, and no foreign transaction fees.
I have a credit score of approximately 700-708. I have a bankruptcy in my background and this is the reason why I have been rejected by credit card companies. I am interested in obtaining a balance transfer credit card. Any suggestions as to companies that would approve me with a bankruptcy?
- Asked Jul 17 , 2016
With a score in the low 700s, your credit is considered good, but your past bankruptcy is probably making it more difficult to get approved for credit cards. You should try apply for a credit card for consumers in the fair/average credit range and you will have a better shot of getting approved. A few our our favorite credit cards for fair credit are the Capital One QuicksilverOne and the Barclaycard Rewards MasterCard. Both cards come with solid rewards programs and low fees.
i have a 634 fico score and good income, which card would i qualify for?
- Asked Jul 16 , 2016
With a score in the mid 600, your credit is considered fair/average. Take a look our credit cards for fair credit page to see all the best options for you! A few our our favorite credit cards for fair credit are the Capital One QuicksilverOne and the Barclaycard Rewards MasterCard. Both cards come with solid rewards programs and low fees.
I am planning on having a medical procedure that will cost thousands. I am looking for a credit card with 0% Intro purchase APR and hopefully cash back. I have excellent credit. Which card is best for me?
- Asked Jul 16 , 2016
The Chase Freedom Unlimited Card would be a good fit for you as it comes with 0% intro APR for 15 months on purcahses, $0 annual fee, and an unlimited 1.5% cash back on every purchase. Since you have excellent credit, you shouldn't have a problem getting approved.
Can and will the credit card company tell you the amount you are approved for before you actually finalize you're application?
- Asked Jul 14 , 2016
Unfortunately most credit card companies will not be able to do this. This is because the line of credit you are approved for depends on your creditworthiness, which the banks have to determine based on the information in your application. Without receiving your full application the credit card companies will not be able to determine who much credit they are able to lend you. One exception to this rule is if you receive "pre-qualification" letters by mail or email. However, these are typically not the best credit card offers or the highest lines of credit that you could get approved for.
My credit scores is excellent, normally above 830. If I apply for a new card with better benefits, should I cancel another card I already have? I do have cards I never use. Thank you
- Asked Jul 12 , 2016
As long as the card you already have isn't charging a high annual fee, then you should leave it open. Cancelling your older card could potentially have a small negative impact on your credit because it would 15% or your credit depends on the age of your account. It may also increase your credit utilization rate by reducing the total amount of credit you have available. There is no harm in leaving it open as long as there isn't an annual fee!
What is the best card for this situation: credit score under 650; long term unemployed but recently found a well-paying job on a W2 contract basis, expected to last 6 mos to 1 year; I want to apply while I am employed, in case there's a layoff and/or employment gap again. I have no credit card debt, just Amex and a debit card. Cars are paid off but I do carry a mortgage (which is on auto-pmt so as never to be late). Many Thanks, sg
- Asked Jul 10 , 2016
With a score of 650, your credit is considered fair and there are a number of decent credit cards you can get approved for. If you're looking for rewards or low interest, the Capital On QuicksilverOne is a great option, but it does come with a small annual fee. The Barclaycard Rewards MasterCard is another great choice; you'll earn 2x points on gas an groceries and 1x points per dollar on every other purchase.
Looking for a card that has 0% APR for first year, EVEN IF you carry a balance, not looking to transfer, and have excellent credit. Everything I see wants you to pay off card entirely every month to have 0% interest, or am I misunderstanding something? Thanks
- Asked Jul 8 , 2016
There are many credit cards that offer 0% intro APR on purchases as well as balance transfers. The Citi Diamond Preferred is an excellent option as it comes with 0% intro APR for 21 months and there is no annual fee. During the intro period of 21 months, you won't pay any interest even if you carry a balance.
I am looking for a credit card which offers: 0% interest for the longest months with travel rewards and cash back. What are my options?
- Asked Jul 8 , 2016
There are a number of credit cards that could be a good fit for you. If you're looking for 0% intro APR on balance transfers, the Citi Double Cash Card has 0% for 18 months and you'll also earn 1% cash back on purchases plus 1% back on payments. The Chase Freedom Unlimited has 0% intro APR on purchases and balance transfers for 15 months you can also earn a $150 bonus after spending $500 in the first 3 months. This card earns 5% cash back in rotating categories and 1% on all other purchases.
What kind of credit card should I apply for when trying to rebuild credit my credit scores around 670
- Asked Jul 7 , 2016
With a score around 670, your credit is in the average to good range and there are a number of credit cards you should be able to get approved for. Any credit card will help you build credit when used responsibly, so it mainly comes down to what kind of card you are looking for. If you plan on paying off your balance in full each month (this is the best way to use credit cards), then you should looks for a card with good rewards program or cash back rates. It is also a good idea to open a card with no annual fee that you can leave open indefinitely because the age of your accounts is one factor that impacts your credit.
Hello, I have a excellent credit score ( 770 *) and raising due to excellent credit utilization with a car load and 3 credit cards, keeping a 5% or less balance of my credit limit. I read an article regarding maintaining keeping the credit cards to show credit history, utllization and that it was good to have 3-4 cards to keep a small balance on to show credit worthingness considering getting a 4th card from Chase Freedom, as I get offers in the mail daily that I am preapproved for several different credit card offers. Is it a good idea to get the 4th card for those reasons? My question is, would that me a good idea, or would that hurt me credit wise?
- Asked Jul 6 , 2016
Opening another credit card account could potentially raise your credit score a few more points as it would increase the total credit you have available. The Chase Freedom is a great cash back credit card and it has no annual fee which makes it a great choice for a card to keep long term. However, the advice you received about that carrying a small balance will help your credit is false -- this is a common myth about credit scores. You should always pay your balance off in full if you have the ability to do so.
I would like a Cash Back card that truly offers a joint account for my wife and I. Which one would be the best for us (I contacted American Express for their Cash Back Preferred and they do not do joint accounts).
- Asked Jun 30 , 2016
Unfortunately, joint accounts are not available for credit cards in the same way they are for bank accounts. This is mainly because in the even that a credit card hold defaults on their debt, you can only hold one person ultimately accountable. However, almost all credit cards allow you to add an authorized user to your account which will likely give you all of the features you are looking for in a joint account. Authorized users will receive their own copy of the credit card with their name printed on it and they can be granted access manage the account, make payments and more. Furthermore, if you are an authorized user on someone else's credit card, that account will report to the credit bureaus as if it was your own.
I am looking for a credit card to help build my credit. My annual salary is $65,00.00. Apartment monthly rent is $850.00
- Asked Jun 29 , 2016
Is the Citi Double Cash Card a VISA?
- Asked Jun 26 , 2016
The Citi Double Cash Card is a MasterCard credit card.
with a fico score of 660 what card would be good for me
- Asked Jun 22 , 2016
With a score in the mid 600s, your credit is considered fair, and you're getting close to having good credit. There is a chance you can get approved for some credit cards that require good credit, but you are more likely to be approved for cards in the fair credit range. The Capital One QuicksilverOne would be a great option for you. Once you've built up your credit a little more, you should be able to upgrade to a better card or apply for another credit card with better rewards or more favorable terms.
I am looking for a 0% interest credit card to pay a doctor bill of approximately $2000.00. doctor requires payment before surgery. I want the longest term possible at 0%. thanks what is my best card
- Asked Jun 16 , 2016
The Citi Diamond Preferred has the longest intro APR of 0% on the market. This card comes with no annual fee and 0% intro APR for 21 months on purchases and balance transfers.
I graduated college in December 2015. I have been employed full time for 2 months and want to begin establishing credit by applying for a credit card. I have no previous credit history other than a checking and savings account. What is the best card to apply for without having a co-signer?
- Asked Jun 16 , 2016
Since you have no established credit, you'll probably have to start with a secured credit card. Secured cards work just like normal credit card, but you have to put down a refundable security deposit to get approved. After 6 months to a year of responsible use, you will have build up your credit score enough to get approved for a standard, unsecured credit card with more favorable terms and rewards. Two secured cards we recommend are the Capital One Secured MasterCard and the Discover it Secured Card.
Hi, looking for a credit card with about 30000 dollars credit. I make around 68000 a year. I am a Registered Nurse. Do I qualify or should I chose a different route?
- Asked Jun 15 , 2016
The line of credit you get approved for when applying for a credit card is actually not based on your income. This is a common misconception. Instead, your credit history is the most important factor for getting credit approvals with high lines of credit and favorible terms. Generally speaking, the higher your credit score is, the higher a line of credit you will get approved for. A $30,000 credit limit is a very high line of credit to get approved for, even if you have a perfect credit history. To get a credit card with a line of credit this high, you normally have to open a credit card and periodically ask for credit line increases.
I am looking for a credit line of 0% interest for 18 plus months to pay to build a deck on my house what is my best option
- Asked Jun 6 , 2016
The Citi Diamond Preferred is a great option if your looking for a long 0% introductory APR on purchases. This card comes with no annual fee and 0% APR for 21 months!
Is there any penalty to switching cards again after a 0% intro period ends?
- Asked May 31 , 2016
Most credit cards charge a 3% balance transfer fee, so if you simply transfer your balance when the introductory period on your credit card is up, you will waste a lot of money on balance transfer fees. Also, every time you apply for another credit card your credit score is dinged a few points because of the credit inquiry.
hi there, i am interested in a specific credit card because it has a 0% apr for 21 months, but i already have this card. can i still apply? or should i call the company and ask for the apr?
- Asked May 30 , 2016
Introducty APR offers are for new cardmembers only. If you apply for a card that you already have, you will not be able to receive the introductory APR. You can always try calling the bank and asking for the promotional offer, but it is unlikely that they will give it to you.
With a history of a bankruptcy in 2012 does that preclude me from 0%interet cards?
- Asked May 26 , 2016
Having a bankruptcy in your recent history will make it more difficult for you to get approved for a low interest credit card, but every application is different so there is no way to know for sure if you will be able to get approved. For example, if you have a bankruptcy from 2012, but since then you have a 100% perfect credit history, you will have a better shot of getting approved. The best thing you can do is to check your credit score to get a better idea of which credit cards you will be able to get approved for.
have fair credit--need low interest card to make a purchase on a bed--use debit card now and some store cards--need a card for bigger purchases like this one, so I can pay off steadily on bigger items
- Asked May 22 , 2016
The Capital One QuicksilverOne card would be a great option to pay off a larger purchase steadily during the introductory purchase APR period for someone with fair credit. The card offers 0% introductory APR on both purchases and balance transfers until February 2017, meaning you'll have 9 months to pay off your balance. However if the balance is not paid off by February 2017, the ongoing APR is high at 23.24% so carrying a balance past the introductory period will be very costly. In addition to the intro APR period, you'll receive a rewards rate of unlimited 1.5% cash back on every purchase and those rewards never expire. There is a $39 annual fee but the benefits of the intro APR and rewards rate should outweigh the cost. Other benefits include fraud protection and after making 5 monthly payments on time you'll receive a higher line of credit.
i have a question, i need to submit a joint application, and i dont see that give me an option right now ,where would i have to go to do a joint application?? for me and my wife
- Asked May 18 , 2016
Joint credit card accounts do not exist unfortunately. However another option is making your wife an authorized user to give her access and receive a card in her name. Ultimately though the primary cardholer is responsible for the application and account.
what card can I get with a 45000 crdit limit?
- Asked May 16 , 2016
Credit limit is dependent upon the applicants credit worthinesscredit. The Premier Rewards Gold Card from American Express offers no present set spending limit, earns rewards points on all purchases and offers a generious sign up bonus. However you'll need excellent credit in order to qualify.
Have great credit and need $10000 to $20000 loan with 0 to low interest for a year
- Asked May 16 , 2016
If your credit is excellent, there is a good chance that you can get approved for a credit card with a line of credit in the range of $10,000 - $20,000. There are many cards that offer 0% APR for a year or more. A few of the best options would be the Citi Diamond Preferred, BankAmericard Credit Card, or the Chase Slate.
On the Discover it miles card. Does it have a grace period? Thank you..
- Asked May 15 , 2016
Yes, the Discover it Miles Card has a grace period of 25 days. The Terms and Conditions for this credit card offer states that "Your due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on purchases if you pay your entire balance by the due date each month."
Hi I am 74 years, own my own home, and looking for a credit card -- I only expect to charge less than 1500 dollars at any time - (use is for wartime business travel - which will be reimbursed by company). I refuse to take a card with high interest rates. Please provide me with your advice. John Purcell
- Asked May 10 , 2016
If you have excellent credit, then the Barclaycard Ring MasterCard would be a good fit for you. It comes with a very competitive standard interest rate of 8.25%, and there is no annual fee, no balance transfer fees, and no foreign transaction fees.
Looking for a credit card with 0% transfer fee, no annual fee, and the lowest rate of 11% or lower.
- Asked May 6 , 2016
It sounds like the Barclaycard Ring MasterCard is the perfect fit for you! This card has no annual fee, no balance transfer fee, and a very competitive ongoing APR for 8.25%.
I'm looking for the lowest rate credit card. I have excellent credit rating. Need low rate to pay off car repair bill. I'm head of household taking care of my mother who has ALS so money is tight
- Asked May 5 , 2016
The Citi Simplicity currently offers 0% APR for 21 months on purchases and balance transfers, so it would be a great fit for your situation.
So what would be the best credit card offers for those with less than perfect credit say the 650 to 700 FICO score range? Thank you.
- Asked Apr 29 , 2016
If your credit score is between 650 - 700, your credit is considered fair to good. If you land closer to 650, check out our best credit cards for fair credit page to see all the options. I would personally recommend the Capital One QuicksilverOne is your score is around 650. If you're closer to 700, then see our credit cards for good credit page for the best options for you. You will have many options if you're score is around 700. If you're interested in rewards, check out the Citi Double Cash. If you simply want a card with low interest rates and few fees, try the Chase Slate.
My credit score 755. Is there a card that will give me a cash advance of $5000.00 instead of a balance transfer?
- Asked Apr 28 , 2016
With a credit score of 755, your credit is considered excellent and you should be able to get approved for any card you choose. Even so, there is no way to know for sure the amount of credit and cash advance limit you will be approved for before you apply. Based on your credit score, you are very likely to get approved for a credit line over $5,000, but cash advance limits are usually a bit lower than then actual line of credit on your card. Whichever card you go with, be aware that ash advances can be very costly as they come with high fees and high interest rates that begin accruing immediately.
how good does your credit have to be to get the Capital One Venture rewards credit card? And why would you choose the Venture over the Venture One?
- Asked Apr 27 , 2016
In order to get approved for the Capital One Venture or VentureOne credit cards, you will need to have good credit. Typically, this means your score will need to be at least in the high 600s. The Venture and the VentureOne have a few important differences. Basically, the Venture comes with a $50 annual fee after the first year, but it offers a larger sign up bonus and a better ongoing rewards rate than the VentureOne, which comes with no annual fee. Check out our detailed comparison of the two cards for more information.
I have a credit score in the low to mid 600's. What credit cards do you recommend that are not secured cards?
- Asked Apr 23 , 2016
Your credit is considered fair, so be sure to check out our page with credit cards for fair credit! The Capital One Platinum Card is a basic, unsecured credit card that is available to people in your credit range. It will help you build credit with responsible use and it comes with no annual fee and a free credit tracking service.
this is going to be my first credit cards. which do you recommend?
- Asked Apr 21 , 2016
If you're applying for your first credit card, you'll probably need to start with a secured credit card. Secured cards work just like normal credit cards, but you'll need to put down a refundable security deposit to get approved. The Capital One Secured MasterCard is a great option to start with as it comes with no annual fee and a free credit tracking service.
My credit score is 765. However, offers that I receive start at 15% interest. Is this considered a great rate?
- Asked Apr 14 , 2016
With a score of 765 your credit is considered excellent and you will likely be approved for any credit card you apply for. An interest rate of 15% is about average, but with your credit score you should be able to get approved for a lower rate if you wish. One thing to remember is that credit cards that come with rewards programs will also come with higher interest rates, so if the offers you are applying for are cash back or travel rewards cards, then a 15% interest rate is actually pretty good. If you're looking for a low ongoing interest rate, check out the Barclaycard Ring Mastercard which comes with a very competitive 8.25% interest rarte.
Hi my name is Angela I going back to school and need to get a car ASAP I need a small amount credit card like $500 I have fair credit I think it's like 638 want to improve it but I can't pay a annual fee right now it's important that I get a small loan or credit card please find me the quickest and no fee to pay up front and that my credit will be approved
- Asked Apr 13 , 2016
With a credit score of 638, you will have a few options for which credit cards you can get approved for, but it is unlikely that you will get approved for the most favorable terms or a very high line of credit. The Capital One Platinum Card is once card that you can probably get approved for and it has no annual fee.
I am interested in a 21 month period of time to pay off the card without interest. I have excellent credit. I would also like no balance transfer fee. Finally, which card offers a three hundred dollar bonus for signing up? Thanks
- Asked Apr 12 , 2016
If you have an excellent credit score, you should be able to get approved for any credit card you choose. Unfortunately, there is no credit card that meets all three of the requirements you requested. For a low interest credit card, the Citi Simplicity comes with 0% APR for 21 months on purchases and balance transfers, but there is a balance transfer fee of 3% and there is no rewards program with this card. The Chase Slate has no fee for balance transfers made within the first 60 days, and there is also 0% APR for 15 months on purchases and balance transfers. For rewards, the Chase Sapphire Preferred has a sign up bonus worth $500 in cash or $625 in travel.
I currently have the Chase Sapphire card, I would like another credit card that offers 0% on purchases for at least a year as I have some upcoming large purchases. I would like to avoid any fees, if at all possible. Last I checked, I have an 820 credit score. Which card would you recommend? Thank you
- Asked Apr 11 , 2016
With a score of 820, your credit is considered excellent and you should be able to get approved for any credit card you choose. There are many cards that offer 0% APR for a year or more. If you're looking for the longest intro period with no interest, the Citi Simplicity would be your best choice as it comes with 0% APR for 21 months. If you want to earn rewards with your purchases and also enjoy a nice intro APR, the Chase Freedom Unlimited would be a great choice. This card comes with 1.5% cash back on all of your purchases as well as 0% intro APR for 15 months.
I have a credit score of 667. Will I qualify for a cc
- Asked Apr 7 , 2016
With a score in the mid to upper 600s, your credit is considered fair and there are a number of credit cards you can get approved for. Check out our page with credit cards for fair credit to see all of the best options.
My credit is fair from a business transaction that happened years back. Actually, 2008 when the financial collapse happened. And it has hurt me ever since. I work full time and have been in the same residence for 4 years. What cards will accept me? Thanks!!!
- Asked Apr 1 , 2016
With a fair credit score, your focus should be on building credit by keeping your credit card balance low and making sure to always pay your bills on time. There are a number of credit cards that you could get approved for. The Capital One Platinum Card is a great option as it comes with no annual fee and a free credit tracking service.
Who has a low interest card for someone with mediocre credit?
- Asked Mar 30 , 2016
The interest rate that you receive will be directly related to your credit score. To receive the lowest rate, look for credit cards that have no rewards and modest benefits. These cards will always offer lower interest rates than similar card that offer rewards and benefits.
Is this CitiBusiness Card the same as Citi bank cards???
- Asked Mar 29 , 2016
CitiBusiness is the name that Citi gives to its business line of credit cards. You apply for these cards for a small business but the application goes to your personal credit history.
I have a 639 score, which card should I apply for
- Asked Mar 28 , 2016
With a score in the mid 600s, your credit is considered fair/average and your focus should be on building your credit into the 700s and avoiding interest charges. There are a number of credit card you have a good chance of getting approved for but the two I would consider are the Capital One Platinum Card or the Capital One QuicksilverOne. The Capital One Platinum is a simple credit card with no annual fee, while the QuicksilverOne is a cash back rewards card that comes with 1.5% cash back and a $39 annual fee. If you will spend more than $2,600 per year on the card, then the QuicksilverOne is the way to go. Whichever card you choose, always make sure you pay your bills on time and try to pay off your balance in full each month to avoid paying interest.
HI, I am looking for a credit card with the following conditions No annual fee No foreign transaction fees 0% interest for a least 12 months or more for purchases 0 % ibalance trans. fees in 3 or 4 months Cash back or any other typing of rewards Is it possible to find all of them in one card?
- Asked Mar 25 , 2016
There is not a card that meets all of the requirements you've listed, but the BankAmericard Travel Rewards Credit Card comes this closest. This card has no annual fee, no foreign transaction fees, 0% APR on purchases for 12 months, and it offers 1.5 points for every dollar you spend. The only feature you've requested that this card does not offer is no balance transfer fee. The transfer fee on this credit card is either $10 or 3%, whichever is greater.
My Credit rating is ( 827 ), Why can't I find a credit card with a FIXED APR at 9% ?
- Asked Mar 21 , 2016
Generally speaking, credit cards do not come with fixed APRs any longer because after the CARD Act of 2009, credit card APRs are tied to the nation interest rates set by the Federal Reserve. So while credit card interest rates are now "Variable" it has been made illegal for the credit card issuer to arbitrarily raise your interest rate without prior notification. If you're looking for a low interest credit card, the Barclaycard Ring MasterCard comes with a very low interest rate of 8.25%!
My credit score is around 630. What would be a good card for me?
- Asked Mar 20 , 2016
With a score in the mid 600s, your credit is considered fair and you will have a few credit card options to choose from. You can see all the options on our fair credit cards page, but the one I would recommend first is the Capital One QuicksilverOne. This card comes with 0% APR for 9 months as well as an unlimited 1.5% cash back on all purchases!
I'm looking for a 0% APR for at least 12 months with having fair credit. Is this possible?
- Asked Mar 16 , 2016
Since you have fair credit, I would recommend the Capital One QuicksilverOne. The intro APR is 0% for 9 months on purchases and balance transfers, and you'll also receive unlimited 1.5% cash back.
I have EXCELLENT credit and already have a CHASE FREEDOM and CHASE SLATE, Visa AMAZON, a BARCLAYS Barnes/Noble AND a GAP credit card. I have paid all of those on time for years. I am entering a new phase and will not be paid regularly for the next year. What NEW credit card can I get that will offer me 0% interest so I can make minimum payments without incurring penalties OR interest?
- Asked Mar 9 , 2016
The Citi Simplicity currently has the longest intro APR on the market with 0% for 21 months on purchases and balance transfers. It sounds like this would be the perfect fit for you. There is also no annual fee, no late fees, and no penalty rate.
I have NO credit. Is there a card for me?
- Asked Mar 3 , 2016
I applied for the Chase Slate credit card last Thursday, Feb. 25th but have not received confirmation that the information was received. Private information on the application so very concerned about the status. How do I know if it has been received? Thank you.
- Asked Mar 2 , 2016
You can contact Chase to find out the status of your application, however, it's not uncommon for credit card issuers to take a week or two to review an application and notify you of their decision, often by mail. You may find a new card waiting for you in your mailbox tomorrow, or you may find a letter notifying you that you application is declined and why. And even if your application is not approved, you can still contact Chase, provide new information about your qualifications, and ask them to reconsider their decision
I'm newly marred and I want to apply for a credit card, which one should i apply for? Please note I already tried the Capital One.
- Asked Feb 14 , 2016
A credit card will offer newly wed couples a secure and convenient method of payment, while helping them build their credit. A good card to start off with would be the Discover It card, which is offered to people with average credit and features a free monthly credit score. It also has no penalty interest rate and cardholders receive their first late payment waived. Finally, it offers 5% cash back on up to $1,500 spent each quarter on select categories of purchase, and 1% cash back elsewhere. There is no annual fee for this card.
I know I am in a bad financial position. Have been trying to get a loan or a credit card with balance transfer. I really, really want to make things better but no one will give me a chance. Isn't there something for me?
- Asked Feb 9 , 2016
There is an old saying that banks will only loan money to people who don't need it. You don't mention the nature of your financial position, but if you already have significant debt, then its unlikely that banks will loan you additional money. Your best option is to find a personal loan at the best rates you can find, or look for other alternatives to improving your financial position.
I have a Citi Mastercard airline miles card. Is there a way to change to another Citi MC rewards program, but keep the same account?
- Asked Jan 17 , 2016
You should contact Citi and ask if you could change your account from the mileage card to another one. Sometimes you can do this without a new application, but sometimes you must make apply for a new card.
I have a credit score of 843, and I pay early on all my debts.What card or cards would you recommend?
- Asked Jan 7 , 2016
With your excellent credit score, you will be able to be approved for any card that you apply for. And since you never carry a balance, you should try to earn the most valuable rewards possible. For example, you could choose the Citi Double Cash card, which offers 2% cash back on all purchases, with no annual fee.
My fiance and I are planning a wedding in May. Although we both have personal cards we would like to apply for a shared account now - for wedding and mutual expenses. What is the best method. We both have 700+ scores.
- Asked Jan 6 , 2016
Most credit card issuers do not allow joint accounts, but there are some exceptions such as Discover, Wells Fargo, and Bank of America. But if you are planning on managing your finances jointly, you could just make each other authorized cardholders on your individual accounts. The primary cardholder will be ultimately responsible for paying off any balances, but this will not be an issue for couples who manage their finances jointly.
Within the last month, I did apply & was accepted to the Slate Credit Card. Even though I have a near 800 credit score & plenty of income...they ONLY ALLOWED ME $700 to borrow (if I was reading it right?). They do have a cancellation notice of 3-day cancellation and because I could NOT get the $10,000 that I needed - I did cancel. Do they ONLY give you what they THINK you are allowed OR was the $700 my payment per month? (Which I don't think so) and Can the Credit Card Companys ONLY Give You a Certain Amount?
- Asked Dec 19 , 2015
Card issuers are free to give you whatever credit limit they choose, and they might only give you a lower limit if they see that you already have outstanding debt. Certainly Chase will loose money on their interest free balance transfer offer with no fee, so it is understandable that they will offer some people a very low credit limit. I would try another offer from a competing card issuer such as the Citi Simplicity, which offers 21 months of interest free financing on both new purchases and balance transfers, with a 3% balance transfer fee.
I cannot find Citi FORWARD Visa card on the page listing credit cards
- Asked Dec 18 , 2015
Citi no longer offers the Forward card to new applicants. You could consider the Citi ThankYou Preferred which offers double ThankYou points on all dining and entertainment purchases, and one point per dollar spent elsewhere.
What card will give me the highest credit limit?? I have a FICO score of 775.
- Asked Dec 17 , 2015
There is not a single card that will give you the highest limit, rather the limit you receive will be a reflection of your creditworthiness, your income, and your current level of debt. One option is to choose a charge card that has no preset spending limit, such as the Premier Rewards Gold Card from American Express. In any case, the card issuer will determine a credit limit based on your current credit history.
Hello there how are you? I have been looking for months for a new credit card. I have had American Express Cards, Chase Cards, Discover Cards ect... Well something in my family has come up and I am in need of a credit card I can apply for and start using the same day? I have always paid my bills on time. I am in my late sixties and I am out of the loop on this maybe youcan help? Thank you so much Sincerely Lucy
- Asked Dec 13 , 2015
When you apply for a new credit card, you will have to wait until it arrives in the mail. Thankfully, some companies will expedite delivery, but it will still take at least one or two days. However, you can make a balance transfer to your new account when you are approved, freeing up some of your existing credit line, however, even that transfer can take a few days.
Why isn't the First Merit card listed here? It has no fee for balance transfers and 0% interest for 1 year and point rewards.
- Asked Nov 11 , 2015
There are dozens of credit card issuers in the United States, and no company could possibly list all products offered. Compare Cards only lists the top credit cards from the major issuers. While First Merit does offer a Platinum Rewards MasterCard that offers with a 12 months of 0% APR financing on new purchases and balance transfers, it does have a 3% balance transfer fee. Better yet, the Citi Double Cash offers 2% cash back as well as 15 months of 0% APR financing on new purchases and balance transfers, with no annual fee and a 3% balance transfer fee.
What are the best credit cards for people with a credit score of 600? Are there any with balance transfer deals &/or no annual fees?
- Asked Nov 2 , 2015
A credit score of 600 is right on the border between being considered "bad" and "fair." At that level, it will be difficult to qualify for a standard credit card, and it is unlikely that you will be approved for card with a 0% APR promotional financing offer or one with no annual fee. Instead, I would recommend applying for a secured card, if only as a mechanism to improve your credit score. For example, the Capital One Secured MasterCard has no annual fee, and requires a refundable.security deposit of $49, $99 or $200. Once you make on-time payments for year, you should be able to qualify for a standard credit card, and perhaps one with a 0% APR promotional financing offer.
If my credit score is an 830 and my husband's is a 660 (approximately), would the credit card companies use my credit score or do they go with the lower score? Is it different for each credit card?
- Asked Oct 17 , 2015
If you apply for the credit card, then the card issuer will use your score. But if your husband applies, than they will use his score. In some cases, some card issuers will allow joint applications, which will then utilize the higher score. This is because both card issuers are equally liable for repayment when a joint account is opened.
I have two credit cards and an auto loan right now, I pay off the credit cards every month and never miss a payment on the loan. One of the credit cards I have I HATE! Their customer service is horrible, their rewards are minimal...I'm over it! I got an offer from America Express for their Gold card, and I'd love to join the Amax team. My concern is that I don't want 3 credit cards because I heard it's bad to have more then 2. The card that I hate is also the one I've had the longest, so I wouldn't want to cancel my longest lasting line of credit right? My other card is the Capital One "Quicksilver" card which I love. But also I've only had it for and 3 years compared to the 12 years on my other card. What should I do? Should I apply for the Amex card and cancel one of the existing cards I have? Or should I just pay off the card I don't want and never use it again and have three cards?? Or just don't get another card and I'm just stuck with what I have.
- Asked Oct 15 , 2015
It is a myth that having more than two credit cards will hurt your score. In fact, having several credit card accounts open and in good standing will add to your credit history and help your score. So if you have a card that you don't like, feel free to cancel it, and if you find a product that meets your needs, you should apply for it. The length of each account can be a minor factor in your credit history, but only when all of your lines of credit are very new. Since you have an long established credit history, even this should not be a factor.
My fico is 832 what is the best card for me?.
- Asked Oct 11 , 2015
You have an excellent credit score, which will allow you to qualify for any card you choose. The best card for you will depend on your needs. For example, if you will be carrying a balance, you will want to choose a card with the lowest interest rate available. If you will be avoiding interest by paying your balances off in full each month, then you will want a card that offers the most valuable rewards in the form of points, miles, or cash back. Finally, if you are a frequent traveler, you might choose a card that offers the most valuable travel benefits such as free checked bags or airport business lounge access.
I am a new international student, and I got SSN last week. I want to apply for Discover it Student Card, but the application was denied. I would like to know the way to email their customer service about this issue.
- Asked Oct 11 , 2015
When you are denied a credit card, the card issuer must offer a reason. But typically, these reasons will arrive as a letter in the mail several weeks later, and may not be very clear. Instead, you should contact the card issuer and ask them to reconsider your application. In the case of Discover, you can reach them at 800-347-2683. When you speak to the representative, this is your opportunity to provide any additional information that can help your application be approved, such as additional sources of income.
I need help picking out the right credit card for me. I have never had one before and not sure which would be best for me. I don't travel so I would prefer not to have the airline miles or anything associated with that category. I'm not sure what my credit is I think it is around 650. I am wanting something along the lines of low interest, offers money back, and rewards if even possilbe. Thank You.
- Asked Aug 27 , 2015
First, you need to get a copy of your credit report and your credit score to find out where you stand. A good card for new cardholders is the Discover It, which offers cash back rewards and excellent customer service. Cardholders receive 1% cash back on all purchases, and 5% cash back on up to $1,500 spent each quarter on select categories of purchases. Chase Freedom also offers a similar rewards structure, and both cards have no annual fee.
What does my credit score have to be in order to apply for a new credit card?
- Asked Aug 20 , 2015
There are credit cards offered to people with virtually any credit score. For example, those with poor credit will still qualify for a secured credit card so long as they can verify their identity and have no pending bankruptcies. With a credit score in the 640-700 range, there are standard, non-secured cards that have relatively low qualifications for approval. These cards will have higher interest rates and fees, but can offer siginificant benefits beyond secured cards. Finally, those with credit scores over 700 should be able to qualify for most credit cards.
I want to select a credit card with 0% balance transfers to lower my credit card interest rate. I have other cards with airline benefits which I will keep. The most important benefit I want is 0% APR on balance transfers and 0% interest for the longest time, plus the most credit. I have a credit score of 702.
- Asked Aug 16 , 2015
The longest 0% promotional financing offers are for the Citi Simplicity and Citi Diamond Preferred cards. These cards both offer 21 months of interest free financing on both new purchases and balance transfers, with a 3% balance transfer fee. Another card worth considering is the Chase Slate, which offers 15 months of 0% APR financing on both new purchases and balance transfers, but without any balance transfer fee. Your credit score is considered good, but not excellent, so you might not receive all of the credit line you want. Nevertheless, either of these offers will allow you to save a significant amount of money on interest charges while you pay off your credit card debt.
If I apply for a credit card but I do not like the interest rate or credit limit thus do not accept will this hurt my FICO score?
- Asked Aug 16 , 2015
When you apply for a credit card, you are authorizing an account to be opened with any terms that are given. You do not have the option to refuse the account before it is opened. So if approved, you will have a new account on your credit history. If you then choose to close the account, it will also be reflected on your credit history. Thankfully, this will have a very minor effect on your credit if any, since it will reduce your average length of the accounts on your credit report. Instead of closing a new account, you might as well keep it open, but not use your card at all. Later, when the account has been open and in good standing, you can request a larger credit limit or a lower interest rate. And in the mean time, the account will increase your credit history and lower your debt to credit ratio, for a given amount of debt.
I was just approved for a Platinum Plus card with $4,500 credit limit. At what point can I upgrade to Visa Signature? Is it automatically upgraded when my credit limit goes above $5,000? Or do I have to apply for another card later down the line when I have a higher credit score?
- Asked Aug 6 , 2015
Without knowing which bank or credit union issued your card, I can't look up its policies. There are some card issuers that will have a policy of automatically upgrading their cards at a certain point. Your best bet is to contact the card issuer and ask about the policies that apply your account. In many cases card issuers will offer upgrades without having to reapply for a different product.
My current score is 696 and I have 5 accounts on my credit report (3 store credit cards, federal student loans, and a closed loan account that I paid off) I would really like to apply and obtain a major credit card that I can use anywhere but I don't want to have too many accounts in my credit history. The one card I would like to close which is a Victoria Secret storecard is the second oldest account out of all 3 credit cards I have. Would it hurt my score to close the card and get a major credit card instead?
- Asked Jul 18 , 2015
With your credit score, you should qualify for many major credit cards, although probably not all of them. So start with one that offers low rates and fees, and no rewards. But in addition, I am wondering why you want to close your accounts. Having open accounts will increase your credit history and lower your debt to credit ratio (for a given amount of debt). And if there is no annual fee for these accounts, then there is nothing to be gained by closing them. The only exception is when having accounts open causes you to spend more and incur debt. So to answer your question, it will not hurt your credit score to open a major credit card, whether or not you choose to close one of your exiting cards. In fact, it will likely help your score.
I just receive a credit card from Brand Source and I have never used it. How can I give it back with no problem and put in for the one I want instead?
- Asked Jul 7 , 2015
If you have a retail card that you are not using, you can cancel the card at any time if you no longer wish to have it. However, if there is no annual fee, there is very little reason to cancel the card. Having an additional card on your credit report will increase your credit history and lower your debt to credit ratio, for a given amount of debt. In fact, having multiple credit cards is the best way to maximize your credit score, so long as the additional lines of credit do not tempt you to spend more than is necessary or incur debt.
I don't have a credit rating because I don't have any credit cards, but I want to establish a rating. I applied for one card and was denied, then I applied for 5 credit cards and don't know the outcome. My friend told me I was foolish to do that and if denied, that will go against the credit I am trying to establish. I have heard about a "secured" credit card. If all 5 of the cards I applied for yesterday are denied, will this hurt any future rating? And might I still apply for and be approved for a secured credit card? I pay my rent on time, have no car payments, pay for my auto insurance, and utilities are included with my rent. Thank you for your help.
- Asked Jun 24 , 2015
Applying for five credit cards at once can hurt your credit score due to too many recent applications. Thankfully, the drop you will experience is both minor and temporary. And in your case, with a limited credit history, it won't affect you much in the long run.
If you are not approved for any of these credit cards, then you will want to reasses your strategy. First, make sure that you are applying for cards that you will have the most chance of being apprived for. I would start with very basic cards such as store charge cards, or cards that offer no rewards. These are cards that are targetted at those with average or good credit, and little credit history. If you choose to apply for a secured credit card, then your chances of being approved are nearly 100%. This is a good option for many people in your situation, but you will have to submit a refundable deposit. After about one year of making your payments on-time, your credit score should rise to the point where you will be approved for standard, non-secured cards.
Would a 650 qualify you for a Lord and Taylor credit card?
- Asked Jun 22 , 2015
Retail credit cards are generally easier to qualify for than most other credit cards, and a 650 credit score is considered somewhere between fair and good. Of course, the easiest way to find out is to apply, but I think that you would probably be approved for this card. If you aren't, I would try hard to reduce any outstanding debt and continue to maintain a perfect record of on-time bill payment. These are the two most important factors in your credit score, and it will rise quickly if you pay close attention to these factors.
I have a 697 credit score and Social Security income only $1,177.00. Could I still get a credit card?
- Asked Jun 16 , 2015
Yes, you should be able to qualify for a credit card, since you are allowed to include your Social Security income on the application. In fact, credit card applicants are allowed to include all government benefits, alimony, and child support payments as well as income from a spouse or domestic partner that they can use to repay debts.
Your credit score is good, but not excellent, so I would not recommend applying for premium reward credit cards. Cards like the Discover It and the Capital One QuicksilverOne cards are offered to those with your credit profile, and even offer competitive rewards. Just be sure to always make your payments on time and carry very little debt, and your credit score will soon rise.
I notice the same companies, ie, Citi, Chase, etc., offer several cards... Is it possible or normal to apply and be accepted by the same company for its various cards? It's confusing. I don't want to apply to too many and have issues because of credit pulling, but also, I was thinking that it is good to have more credit lines open, even if not used, if I have little credit history established.
- Asked Jun 6 , 2015
Yes, you can have several cards from the same company. Some card issuers will limit the number of cards you can have, such as American Express which only allows you to be the primary cardholder for four products. Having too many recent inquiries within a short period of time will lower your credit score, but the effect is both small and temporary. In general, having several lines of credit open and in good standing will help your credit score, even if you rarely use some of them.
We are retired,my husbands credit is 684, mine in 750 range.We are on fixed income.Just need a card with 0% interest,no annual fee. Not interested in rewards.Need help with moving expenses. which card should I apply to?
- Asked Jun 4 , 2015
Since your credit is excellent, you can apply for the strongest promotional financing offers. Right now, the Citi Simplicity card is offering 21 months of interest free financing on both new purchases and balance transfers, with a 3% balance transfer fee. In addition, this card has not late fees or penalty interest rate, and no annual fee. You can cite both your income and your husband's on the credit card application, so long as you have access to his for repayment. You can also cite any investments and government benefits.
I have gotten my scores up to a 692 (Transunion) and a 679 (Equifax) score, my overall credit utilization is 31% with a secured credit card with $300.00 availability, and a Care credit card with about $1,900 available credit. In the past I had 1 Auto loan that was paid off in good standing years back, but then I have 4 cards that closed in bad standing (also all about 5 years ago). What do you think my odds are at getting approved for a new credit card (a good one)?
- Asked May 21 , 2015
With credit scores approaching 700, your credit is now condidered to be "good," although not "excellent." There are many Americans who have similar credit scores, and there is a competitive market for credit cards marketed to people like you. Some cards you might consider are the Discover It and Chase Slate cards, both of which are very good products. While you are likely to be approved for these cards, you will not qualify for the lowest interest rates offered. Thankfully, both of these cards come with 0% APR balance transfer offers which will help you lower your debt and improve your credit.
Hi Jason, I'm a 19 year old Airman looking to build my credit. What would my best option as far as which credit card I should look into using?
- Asked May 21 , 2015
In order to improve your credit, I would start with a very basic credit card and use it very carefully. A good place to start is a card that is issued by the bank or credit union that you already do business with. As an Airman, you will also be able to join credit unions such as USAA and PenFed, and the Pentagon Federal Credit Union. At this point, the most important factor in building your credit is not choosing the best credit card, but using it in the most responsible way. I would recommend avoiding interest charges by paying each statement balance in full and on-time. When used in this way, you will be sure to build your credit history very quickly.
If you have no credit history, you may only qualify for a secured credit card, which works the same way as a traditional credit card, but requires you to put forth your own money as a security deposit. While that may not sound ideal, it's worth it to build credit, and, after 6-12 months of on-time payments, you should have no problem moving to an unsecured credit card.
I would like to make an inquiry concerning applying for the Ebay Mastercard. Would you suggest applying for it or would this be a bad decision, and can you please tell me why? Thank you!
- Asked May 21 , 2015
The eBay MasterCard was offered by GE Capital Bank, although it now appears to be called the PayPal Extras MasterCard. Both of these cards offer 3x points per dollar spent on gas and at restaurants, 2x points for money spent on PayPal and eBay, and one point per Dollar spent elsewhere. Points can then be redeemed for gift cards, merchandise and travel, and also cash back as a credit into your PayPal balance. There is no annual fee for this card.
For a card with no annual fee, it appears to be competitive, except for the fact that points are worth less than one cent each. So in most cases, you will be better off with a competitive cash back card, like the 2% offered by the Citi Double Cash, rather than trying to guess the value of their points system, which is poorly disclosed.