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Clara Said:

What information can I disclose on my credit card to merchants? Is it ok to give the middle initial as well?

We Answered:

A credit card transaction can be done in a card-present environment (face-to-face) and card-absent environment (card not present, CNP). The former refers to your physical presence on the merchant's premises to enable your credit card to be swiped by their electronic device capture machine while the latter refers to mail-order, telephone-order, and Internet transactions (MOTO).

In my professional experience, you should always:

1) reconcile your credit card statement with your transaction receipts (a.k.a. sales draft, sales slip, or in kinds) to ensure no discrepancy occurred.

2) keep your credit card(s) in sight and secure (if not in use).

3) inform your card issuer or Visa/MasterCard/AmEx/JCB concierge or cardholder hotline immediately if you have lost or misplaced your credit card or your credit card is stolen.

4) retain your copy of the sales draft or online transaction receipts for six months for before disposing them.

5) transact with a trust-certified merchant with reputable seals of approval by government agencies, associations, consumer and non-profit organisations.

6) keep your three-digit authorization code to yourself unless requested for MOTO transactions.

7) provide credit card number, expiry date, card type, and name on the card only in any communications.

8) transact in a secured environment over the Internet.

9) dispute a suspected fraudulent transaction immediately after receiving your credit card statement so that your chargeback rights are protected and exercised.

10) pay attention to a merchant staff who is processing payment with your credit card and observe any suspicious devices attached to the EDC machine and inform your card issuer about your observation if applicable.

If you observe the above tips, you are safe from fraudulent transactions.

Raymond Said:

Are American credit cards accepted by merchants in Africa?

We Answered:

They should be accepted.
But make sure you can use this laptop in the USA... take a look at the power plug. Most European countries for instance use 220 while the U.S. uses 110 and you can't plug in a European appliance in a U.S. outlet and vise versa.

I don't know what Africa uses... but it wouldn't surprise me if it was different from the U.S.

Back to your question: VISA is accepted worldwide where you see the VISA symbol... they just charge you a fee for converting your U.S. dollar Card account to whatever currency you are using to buy this laptop.

Tammy Said:

How can I accept credit cards for my buisness if I have bad credit and can't get a merchant acct.?

We Answered:

The first problem you have is that yo are going to a bank. The reason i say this is a bank does not handle merchant account. The are just the middle man and have different policy for merchant accounts. You want to go to a merchant services company to get an account. Why this is important to you is because of your business type. You are a hair salon and this one of the easiest accounts to get approved.
I had answered a similar question early so I pasted part of the answer here.
2nd options is opening a merchant account. These types of account is for retail locations, over the phone orders and ecommerce. This system is very fast, run a card and within seconds the customer is either approved or decline and then on to the next one. The pros are that you are protected against chargebacks, you receive your money in1-2 days and you have complete control over you account. The cons are it may cost a little more upfront for equipment but most companies can offer inexpensive equipment or possible free. As far as credit score go, merchant services companies are just like any other finance company. Some have very strict policies and some not so strict. Working in the merchant services industry myself I know certain companies that won't touch anything under a 650. On the other hand I know of companies that have a min required score of 500. The nice thing about this is that unlike a finance company which will charge you more because of poor credit, merchant services companies do not. It is either you are approved or not, but you still receive the same price(% rate) regardless of credit score. The last thing is, it also depends on what type of business you have (restaurant, gas station, hair salon, etc) certain companies have an automatic approval policy based simply on the business type. Which means if you business type falls into certain "preferred business type" you will be automatically approved regardless of credit. In the industry we know certain types of companies work better and have less issues than other. To give you an example, if you are a restaurant and go into a bank and try to get a loan, 9-10 banks won't even look at you. However in the merchant services industry if you want an account you will be approved 99.9 out of a 100 times. A merchant services account is just an open line of credit, just like a loan. If i had a little more info I would be able to give you exact details. Hope that this helped. If you need any more info don't hesitate to ask or email me.

Neil Said:

How can merchants charge on expired credit cards

?

We Answered:

They shouldn't be able to. The credit card company ought to reject it.

If this is happening to you, contact your credit card company.

Jon Said:

why do merchants prefer credit cards to debit cards

?

We Answered:

Merchants prefer credit cards because they get paid immediately whether customers have money or not. That's the credit card company responsibility to collect the money from customers. On the other hand, with the debit card, customers have to have money in the bank in order for the merchant to get their money. Debit card is a former of a check, if the customers don't have the money in their checking account, the merchant will have a hard time to collect the money.

Debit card was popular in Europe way before it got to the US. It's more convenience for the consumers because they don't have to pay their bills (like credit cards) every month. It deducts money direct from their checking account every time they use the card.

    0 Percent Apr Credit Cards

    Amanda Said:Does transferring balances between credit cards affect you credit rating?We Answered:Earlier, it was very easy to find credit cards which allowed to transfer balances without any fee what so ever. These credit cards came with 0% intro APR for a specified period like 6, 12, or 15 months. This was used as a goldmine by those with large outstanding balances. They would simply transfer their balances to such credit card and get rid of existing high APR's. The 0% intro offer would then be exploited by them. Just by paying the minimum balances they would stay in the good...

    Airline Reward Credit Cards

    Bernice Said:What's the best credit card for airline rewards for frequent travel between Northern and Southern Cali?We Answered:i use bank of america alaska airline reward card. You get 20,000 bonus miles just for signing up, and Alaska flies all over anymore. They are starting Hawaii route this winter. I've used my miles several times, and they are great and easy to deal with. I highly recommend them. BUT, they are not great about flight times. I had a flight to LA changed four times in the 2 weeks before I left last year, not huge...

    Air Travel Credit Cards

    June Said:anyone know what credit card is best for collecting points for travel with everyday purchases?We Answered:With the American Express Blue Sky card, you get a guaranteed 1.33% earnings rate on *all* spending (regardless of category of merchant) and its earnings can be used for any airline, any hotel, any travel agent, etc. If you're open to earning cash back that can be used for anything (not just travel), then there are some other good options (e.g. AmEx Blue Cash, Chase Freedom, etc.) In general, if you want to find the rewards card that will pay you the most for your normal...

    Apply Business Credit Cards

    Norma Said:Why do companies send business credit cards to individuals?We Answered:Oh, they don't care. It's all under your social security number. They just change the marketing to get you to apply. And if there was a market for Charity credit cards they'd send you an app. for one of those too. I LOVE credit stuff and questions and answers. Here is one of my favorite sound bytes from a financial guru. Before you do ANYTHING else, listen to this. Scroll down and click "Listen to Dave". JUST LISTEN. http://www.daveramsey.com/tdrs/index.cfm… This one audio clip of his CHANGED MY LIFE when I...

    Apply For Business Credit Cards

    Leah Said:getting a business credit card with poor credit?We Answered:It is possible to apply for a business credit card even if you have a poor credit. You must expect then that your initial business credit limits are smaller, with a much higher interest rate. It is easier to build business credit when you have a good credit. I would suggest to fix your personal credit first by paying your bills on time. Check 3 major bureaus, write dispute letter if there is any mistakes about your record. Later on, if you always pay on time, they'll raise your credit limit and...

    Bad Credit Bank Cards

    Alex Said:which bank gives credit cards regardless of bad credit?plz help?We Answered:None. Banks are working to clear their books of high risk credit card accounts. You might be able to get a secured credit card -- you pay a deposit which is held as collateral against the line of credit. But if your credit is really bad, you may not even be able to get that.Ronald Said:Credit cards for people with bad credit?We Answered:If you want a good credit card with bad credit, you will just have to be patient. The best thing that you can do is work on...

    Bad Credit Business Credit Cards

    Tina Said:Bad credit... business credit card?We Answered:apply with your business tax id number... you will be approved quicker and get a better interest rate. here is a list of 22 business credit cards http://www.cardlister.com/CreditCards_li… the one i most highly recommend is.. Blue Cash® for Business Credit Card http://www.cardlister.com/CreditCards_de…Melissa Said:where can a new Business get Credit Cards with no or bad credit?We Answered:When you apply for a credit card for small business you are also required to fill out the social security number of the owner or authorizing officer. If it's a new business, getting approval or not will depend on the owner's or officer's...

    Bad Credit Cards Uk

    Marlene Said:how to get a uk credit card with a very bad credit history?We Answered:You might try asking a credit counsellor. They know the best deals because they are looking at these creditor accounts everyday. This is a free service in the U.K. which is run by four charity services. Here is their free contact info.Wade Said:If I have Bad Credit in Canada and move to the Uk while I have bad credit there?We Answered:I am from britain & I can tell you right now that when you go there you will zero credit rating, so it may be difficult...

    Bad Credit Credit Cards Uk

    Tara Said:Credit card!! credit score uk only?We Answered:It is gonna take a while to find the answer for your question on internet.I provide a related and good resource here for your reference.http://creditcard.expertips.info/business-credit-card-consolidation.htmlRick Said:UK credit cards, when you buy the money is taken out same day, returns take 28 days to get money back. Why.?We Answered:This can sometimes be down to the supplier and sometimes down to your bank. It is not uncommon for a bank to hang onto funds that they have received as a refund and to not be in any hurry to apply those funds to...

    Bad Credit History Credit Cards

    Jerry Said:How will my husband's bad credit history affect mine, now that we're married and looking to buy a house?We Answered:His credit cannot hurt your credit as long as he is not on any of your accounts. Anyone who says otherwise is incorrect. Your credit scores are affected by how you use and repay your accounts (and several other factors I won't go into now). If he is on some of them, and they are not paid it will hurt both of you. So basically if you want to keep your excellent credit just keep doing...

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    Teresa Said:Having good credit and applying for a loan then getting declined?We Answered:Each financial company has their own points system some higher than others, wether they use equifax or experian makes no difference if your points when a credit search is carried out dosent reach their cut off point computer says no!, unfortunately there is little human intervention it is as simple as that and its cheaper to administrate. so its pot luck on which company he will fit with but be careful the more searches are done the lower the score will be brought down.June Said:How do we stick...

    Bad Creit Credit Cards

    Tom Said:Credit card pin-number ?We Answered:its usually about a week. if you haven't recieved it by monday, i would go to the bank and speak with someone and they can call their debit department and ask if it is atleast on its way and if not order you one, and hopefully they can rush it to no charge to you.Edgar Said:has anyone tried the credit cards for people with bad creit, if so are there any good ones out there?We Answered:Stay away from them, their interest rate can be as high as 30%. Sure, they will give you credit, but...

    Bad Debt Credit Cards

    Frances Said:What's the easiest way to repair my credit score when I've already eliminated my bad debt?We Answered:it is going up, slowly, month by month. The differences really show up at 6 month intervals.June Said:Paying of Debt? (Credit Cards) Is it bad to pay off credit cards?We Answered:Pay it all off and wait a month for the cards to report the $0 balance to the Credit Reporting Agencies. After this, do NOT cancel the cards. Then, visit annualcreditreport.com and make sure your credit reports are correct.Tyrone Said:judgements, credit cards, bad debt.. is this a problem?We Answered:I wish I could help but this...

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    Gary Said:I received an email clearly intended for fraudulent purposes. Who should I alert?We Answered:you could report it to Fraud Watch: http://www.fraudwatchinternational.com/r… or to the United States Department of Justice's site for Spam/Fraud email: http://www.usdoj.gov/spam.htmAgnes Said:First time seller on ebay...and first time user for paypal...HELP!?We Answered:Answers: 1. When you log In Into your PayPal account you can click "Verify Card" (Or something like that) Then Ebay will ask you for information regarding the billing of the card and if it matches.. Tadah! you're verifed. Very simple. 2.***Sorry. i was incorrect about that. Yes, see person above me. 3.On particular Items, like CARS, lot's of money there,...

    Bank Business Credit Cards

    Robert Said:I have an issue with chase bank credit cards department?We Answered:I just want to say that you are not alone when it comes to having a bad experience with Chase Bank. Somehow, Chase Bank seems to make more money by defaulting as many customers as possible, or lowering their credit rating, or their line of credit.Donna Said:Any one familiar with the Citi bank business credit card??We Answered:According to their website, Citi has EIGHT small business credit cards currently. If you go to their site ( http://www.citicards.com/ ), just "Small Business Owner or Professional" and then "view cards". ...

    Best Bad Credit Cards

    Morris Said:What are the worst/best credit cards to apply for?We Answered:American Express Cards are for the most part terrible...spending requirements, high fees, etc. They are changing their tune, though but only recently. Sometimes you can get a regular Amex credit card (not charge card which requires full payment every time) through your bank. Bank of America for instance has 2 available out of their hundreds of cards. I've heard that Discover Cards are coveted. They have some of the best cash back programs and customer service. Discover's APRs are between 11-18%, which beats my starting Visa rate..Carolyn Said:What is the best...

    Best Canadian Credit Cards

    Jennifer Said:I'm Canadian and would like to shop in U.S with credit card but without the conversion fee. is there a way??We Answered:I don't have a great answer, but what I did was open bank accounts in both countries and have credit cards in both countries. I use my US cards in the US and Canadian cards in Canada. I use Canadian banks to change my US dollars into Loonies as they have lower fees and better market exchange rates than US banks. That way I get my money exchanged at the best rates and have no foreign transaction...

    Best Credit Cards For Balance Transfers

    Mattie Said:I need the to know who are the best for balance transfers for credit cards right now( UK only)?We Answered:try www.uswitch.co.uk its a comparison websiteHarry Said:what are the best credit cards for balance transfers with no fees?We Answered:citicards.com chase.comTommy Said:What credit cards are best for balance transfers?We Answered:This is a good plan if the 0% APR will last you until you can pay off the entire balance. Usually, with 0% APR teaser rates, the APR ends up re-adjusting to a higher amount after 3-6 months. So far the best deal I have seen is American Express' Blue card that...

    Best Credit Cards Offers

    Brittany Said:I want 2 know the bank in Philippines who offers the best credit card in terms of discount,promo & low interesWe Answered:why dont u do a search on each bank and check it out for your self.... its not hard...Alicia Said:What is the best credit card that offers the best rewards or cash back on gas purchases?We Answered:Hi, This is the best reward cards on gas purchase and others... http://CashRebateCards.notlong.comRaul Said:What is the best credit card that offers the most rewards?We Answered:Getting rewarded as you spend money with your credit card makes things interesting for a credit card holder. The cashback,...

    Best Credit Cards Online

    Laura Said:what is the best place to find credit cards online info?We Answered:google search it :DBob Said:What is the Best & Safest Credit Card for Online Shopping and monthly subscriptions?We Answered:Some credit card companies provide single-use credit card number that is different from your real credit card number. You logon to your credit card company's website to create these single-use credit card number everytime you shop online. You can get a different number for each transaction. Most credit card companies, such as Discover, Citigroup and MBNA, offer this service.Terry Said:whats the cheapest and best online payment credit card merchant...

    Best Small Business Credit Cards

    Willard Said:Best way to accept credit cards for small business owner?We Answered:When it comes to credit card processing there are 2 way to go about this. The first is through pay-pal or a like company.These are what we call in the industry 3rd party payment processors. These types of companies are good only if you are a small company, usually from home and if you are doing under a $1000.00 a month. The pros to this can of account is that it is an easy setup and simple to use. The cons are that it is web based, you as...

    Best Student Credit Cards

    Sherri Said:What is the best student credit card?We Answered:That's a good question. My first card was from Citibank because they were the only ones on campus and not necessarily the best. Since you are just starting out and trying to build your credit they will probably only offer you a secured card (that means you will need to put down a collateral). If you get an unsecured card then you are 1 step ahead from the bottom. Building credit requires you to be able to pay off debt (with interest) over time, and not just paying off your...

    Best Travel Rewards Credit Cards

    Tyrone Said:Best travel rewards credit card?We Answered:Get your best travel credit card @ www.creditcard4u.orgChester Said:What is the best Travel Rewards Credit Card?We Answered:Comparison shop at http://www.BankRate.com . This is the best comparative source for ALL credit.Zachary Said:what is the best travel rewards credit card in canada?We Answered:I am told RBC Avion (sp?); however if you already have Aeroplan, then CIBC Gold Travel is good. They give you 25 000 points automatically for joining....that's a roundtrip from Toronto to LA....

    Best Travel Reward Credit Cards

    Virgil Said:What is the best credit card to use to get travel rewards?We Answered:Do something most people never take the time to do...do the math. I prefer to use a cash back credit card even though I travel frequently. I get 5% back on gas & groceries and 1% on everything else. Think of it this way. If I spend $25,000 a year (yikes) I can get 25,000 miles on most airline cards which is normally what it takes to get a ticket. But if I spend that same $25,000 on my cash back card,...

    Business Credit Cards Application

    Teresa Said:Are the online credit cards applications secure?We Answered:If it has the little gold lock at the bottom of your screen when you are on the site, then it is secure. Otherwise, no, your information could be anywhere by now.Darryl Said:what does a code 28 mean on a business credit card application?We Answered:A code 28 is usually a denial :( It's not set in stone but that's what I find happens most. If you'd like to check out a little free ebook I wrote that'd give you a step by step roadmap to getting business credit, check out the...

    Business Credit Cards Instant Approval

    Mitchell Said:i want to start building my credit?We Answered:You will have to start building your credit rating with secured credit. Make sure the banks report to the credit bureaus, otherwise it does no good. Go to the bank you do business with, ask them if they have a secured credit card, if they do open a new account with $300 - $500 tell them you want a secured credit card against that account. Use the card for small purchases like gas or food and pay the card off entirely each month on time. Also you can take your savings account and save...

    Business Credit Cards Offer

    Gabriel Said:Various business credit cards offered by American express.?We Answered:you can get all information about american express credit card from: http://www.card-city.com/American_Express.html Part of serving your business is bringing you the best financial services. That’s why we’ve chosen two leading Business Cards from American Express—and customized them with special introductory offers for Guaranty Bank customers.Leroy Said:How to opt-out of credit card offers, as a BUSINESS?We Answered:To be honest just use the junk mail as fuel for your wood burning stove. I have a friend that heats his house using junk mail. :)Nina Said:How do you opt out of BUSINESS credit card offers?...

    Business Credit Cards Travel

    Glenda Said:Are business card points tax deductible?We Answered:No, but you cannot take the full price off as a deduction. For example, you buy something for $50 and get a $5 "reward", your deduction is $45. Helen, EA in PA Additional info - you still must reduce the basis by the points received. Trust me, points do have a dollar value, talk to your CC issuer.Bruce Said:whats the best credit card for my business?We Answered:cards.hotusa.org - try this one. You can compare different business credit cards and choose the best one for you.Joyce Said:Best (Business) Credit Card?We Answered:None of these answers...

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    Amber Said:US Citizen/Resident: I need a UK bank account and UK credit card?We Answered:You could try HSBC Bank. They welcome foreign nationals opening bank accounts in the UK. Christine Said:Do you accept credit/debit cards? Question for Internet business?We Answered:Paypal.com works with credit cards all over world. Easy to set up.Dianne Said:how do you check to be sure a business (online) is legit ?We Answered:If they are setting up shop in the online world, and the only form of payment they will accept is "Cash" (which is wiring money via Western Union is), then you need to look no further.Josephine Said:Payment...

    Business Reward Credit Cards

    Julio Said:What is the best reward program for my business?We Answered:It depends on your business. If you do travel often then travel or hotel rewards is best for you. If you do shopping often, then cash back reward programs. I recommend: CitiBusiness Card with ThankYouSM Network offers 10,000 ThankYou Points after $250 in purchases, redeemable for a $100 gift card. Capital One Business Platinum with No Hassle Miles offers miles for cash back, gift cards, flights and more....

    Business Travel Credit Cards

    Sergio Said:How can I get the money to open my own business with not so perfect credit?We Answered:Ask at your library for books such as "Financing your small business."...

    Canadian Bad Credit Cards

    Sue Said:Hi were in Canada can wee get a credit card for bad credit?We Answered:You're going to need to know where your credit is before going down this path. My advice would be to apply with one of the major banks (RBC, Scotia, TD Canada Trust). If you're turned down then explore the "secured" cards available to you in Canada (Secured cards involve a "security" deposit held by the issuer to "secure" your credit limit). Capital One offers a secured card with a limit up to $750 with a $75 deposit, Horizon Plus and Home Trust offer secured cards with a...

    Canadian Business Credit Cards

    Ross Said:I'm Canadian - How Can I Obtain a US Credit Card?We Answered:Reportedly it's rather difficult as Social Security Numbers are essential for obtaining credit (whereas here the SIN is optional up here), so if you're not a resident alien or US citizen it can be a real nuisance getting a card. I've heard that RBC has a US card they can give you if you reside or work in the US, also been told that Amex might give you a US card, but both of these would still be tied to your Canadian credit reports. Sorry if this isn't much help.Lillie...

    Canadian Credit Cards Instant Approval

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    Canadian Secured Credit Cards

    Jeremy Said:what if your canadian, any suggestions there for getting store credit cards????We Answered:Monica is right, you should apply for a secured credit card. In addition to Hometrust and HorizonPlus (which ARE options but would not be my first choice in this respect) I'd suggest a few other options. Capital One and Citizens Bank (see below) as both are secured cards exactly like Hometrust and HorizonPlus, but where they differ is that both cards can be converted to "normal" unsecured cards if your payment and usage history warrants it after a year Hometrust and Horizon Plus will ALWAYS be secured cards, and...

    Cash Back Reward Credit Cards

    Hugh Said:Do you know of any good " cash back " business credit card ? Cash reward credit cards for businesses ?We Answered:There are quite a few different business credit cards which offer cash back. Chase, AMEX, Advanta and Capital One are just few. Here's a good place to compare offers: http://www.asapcreditcard.com/business-c… Hope this helps. GOOD LUCK!Bernice Said:I have just moved to New Zealand and am looking to get a cash reward credit card.?We Answered:check out www.myfirstcreditcard.com.au to see what the providers are after they are some non bank lenders on the panel good luckGerald Said:Rewards credit cards/cash back...

    Chase Freedom Credit Cards

    Max Said:Chase freedom credit card question, need help!!We Answered:no you don't need a pin to use it, you'll sign when you make a purchase when run as credit...and the pin has no connection to your debit card. it's a really good card, just call the number on the front and make a first purchase depending on when you input the app when you charge it for the first time you get a free 10$ or 50$ credited to the card for you....just make sure you pay it off!Judith Said:Which of these Chase credit cards would you get?We Answered:credcards.noneto.com - try...

    Compare 0 Credit Cards

    Jonathan Said:Is is worse for my credit score to have open credit cards with 0 balances or to close credit cards?We Answered:Hi there! As long as you don't have to pay an annual fee to keep the credit cards open, just leave them be. Part of your credit score is how much credit you use (balances) compared to how much credit is available to you (credit limits). The less you use and the more you have available, the better. By closing accounts, you’re making the amount of credit available to you smaller, which can make the proportion of credit-used-to-credit-available higher...

    Compare Best Credit Cards

    Johnnie Said:compare capital one with other major credit cards?We Answered:Capital One is better in my opinion because they have more credit card offers that are taylored to every need. If you are new to credit, they can help you. If you want cash back on your purchases, they got cards for that. They also have one of the best credit cards to earn airline miles. I hope this helps with ur decision.Sergio Said:What's the best web site to compare and apply for Chase credit cards?We Answered:I have been to this web site: http://www.creditcardatoz.com/chase.asp It's one of the best credit...

    Compare Business Credit Cards

    Dawn Said:How do I seek out and obtain business partners?We Answered:You can always advertise in the local newspaper. If that doesn't work go out and visit local restaraunts that you will NOT be competing against. Talk to the owners. Tell them what you are planning on doing and ask them if they know of anyone who might be interested in backing a new cafe. I mention this because it is not at all uncommon for investors to put their money into multiple restaraunts. Hope this helps Jerry-the-bookkeeper Naomi Said:How does an ebay store compare with a direct online "shopping cart" merchant system?We Answered:The...

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    Ruby Said:How do you pay for stuff online instantly?We Answered:If you sign up for Pay Pal you can pay instantly out of your bank account. paypal.comAmanda Said:Sarah Palin vs. Joe Biden?We Answered:1. Biden was one of the first to introduce legislation to address global warming and he co-sponsored the most aggressive piece of climate change legislation in the U.S. Senate. 2. Biden has been instrumental in crafting almost every major piece of crime legislation over the past two decades. His Violent Crime Control and Law Enforcement Act of 1994 put more than 100,000 police officers on America’s streets and has...

    Compare Cash Back Credit Cards

    Viola Said:best type of credit card?We Answered:There are hundred and hundred type of credit cards. Go with a reputable bank like BOA, Citibank. Amex..etc.. do not go with credit card companies that are not recognizable. 1-If you're interest in travel and get mileage- Travel cards will work for you because for every dollar retail, you earn 1 point or mileage. However, there is annual fee involved 2- Get a worldpoints account. You still earn points but there's no annual fee involved. The points you earn, you can accumulate them and redeem for travel like airline,hotel, cruise, car rental, gift cards, other merchandise...

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    Compare Credit Cards Australia

    Delores Said:How to pay back credit card debt? need advice?We Answered:Get ready for a bumpy ride of learning life lessons. When you casually plunked down that piece of plastic while taking a holiday abroad, you started accumulating debt that had to be paid back. In the US, credit card companies require a minimum payment of 2 or 3% per month. Not sure what UK card companies charge for minimum payments. I would guess 3 to 5% or about 25 to 38 pounds per month. Good luck to you and your new baby.Sergio Said:Where can I purchase Wii Point Cards in...

    Compare Credit Cards Canada

    Darren Said:My Dad is having a really hard time making ends meet?We Answered:First, I think you should share this with your mom: she needs to know how her inaction is effecting you. In the US, LPNs can work anytime, anyplace, so if she's only applied one spot, she isn't really trying to do her share for the family. Second, ask her for help finding a job of your own: lots of 13 yr olds have paper routes, baby sit, etc. If you don't have the necessary paperwork, ask her or your dad to help you get it. Once they realize how...

    Compare Credit Cards Cash Back

    Lawrence Said:What credit cards has a high cash back ?We Answered:There are many offers available. I would suggest comparing them on a reliable site like: http://mysite.verizon.net/ressg6c7/right… They make it easy to compare, get a card and they have secure on-line applications. Following are some of the offers available you might want to look at: Blue Cash from American Express - Up to 5% Cash Back. Discover - 1% to 20% Cashback depending on the card and type of purchase. Chase BP Visa® Rewards Card - 5% rebates on all participating BP location purchases, 2% rebates on all eligible travel and dining...

    Compare Credit Cards Online

    Rodney Said:How common is online bank and credit card monthly statement?We Answered:Most banks only offer the ability to receive and view statements online at the credit card companies website. I haven't seen very many companies that offer email statements. Viewing a statement online is more secure because your information is more protected online than it is in an email.Jeffery Said:Does this sound like a Good Credit Card to start off with?We Answered:Yes it is. Try it or Orchard Bank. Good Luck.Hilda Said:frequent flyer credit cards?We Answered:Try Chase and their Continental Airline credit cards: http://www.continental.com/web/en-US/con… Continental miles never expire...

    Compare Credit Cards Uk

    Paula Said:What credit card should I get? (UK people only)?We Answered:As you are not transferring a balance from another credit card you can ignore balance transfer rates. Interest free for the first 6 or more months is what you want for your circumstances. If you are not going to pay off your balance within that time make sure you get one with a low APR. APR is the amount of interest you pay on the money you owe. The higher the APR the more interest you have to pay. Double check to see if there is a charge for using the...

    Compare Rewards Credit Cards

    Harry Said:What is the best credit card for service and utility rewards?We Answered:There are a few good cards out there that give you great rewards the top two I would have to say are Citibank and Discover but check out www.fastcreditcardapprovals.com under rewards cards to compare them side by side on rates and rewards.Alvin Said:im looking for a rewards credit card that will fit my needs?We Answered:Go to creditcards.com . They compare and list every credit card and its benefits and downfalls. It's a pretty decent site. Otherwise, if you're just looking for one right away, I'd say the cashback...

    Compare Reward Credit Cards

    Maurice Said:Apply for new credit cards for traveling?We Answered:I would get a frequent flyer miles credit card, check out www.fastcreditcardapprovals.com here you will be able to compare all major credit cards side by side on rates, fees and rewards.Vera Said:What can I do about high interest rate credit cards?We Answered:Yes, if you can get a better card. Most of the time, you have high interest cards because you had bad or no credit history, so if you have changed that, then you might have a good opportunity. Shop around for a card with a good offer on transfered balances. ...

    Compare Secured Credit Cards

    Debra Said:Is the checkout payment service --- safe & secure checkout by Amazon.com -- Actually safe?We Answered:Amazon is 100% Safe, Checked by amazon themselves the sellers. If they steal the money, amazon track them down and send them to court. It is safe. You will NOT Get scammed by amazon....

    Compare Student Credit Cards

    Valerie Said:Best College Student Credit Card?We Answered:American Express cards are excellent. Look for one with no annual fee. However, if you have no credit history, you will most likely be denied. When the time comes, apply for the Blue Cash card that gives you cash back if you spend over $6500 per year. AmEx also offers a Blue Rewards card which does exactly what it sound like. On top of no annual fees and excellent cash or rewards incentives, the perks of being an AmEx cardholder are fantastic. If you ever need to buy tickets on ticketmaster.com, AmEx customers often...

    Comparing Credit Cards

    Glenda Said:Where to find website to compare credit cards?We Answered:Low Interest Credit Cards Airline Credit Cards with Frequent Flyer Miles The following Airline Credit Cards offers frequent flyer programs. You can earn airline mileage credits as you spend with frequent flyer credit cards. If you are a Frequent Flier or travel a lot, an airline credit card could help save you money. Airline Miles Credit Cards Review 10 cards offering travel rewards for airfare, hotels, car rentals, and moreScott Said:Where is an easy-to use website that will help a beginner easily understand and compare credit cards?We Answered:Go to bankrate.com. They have the best...

    Consolidating Credit Cards

    Jerome Said:I'm thinking about consolidating my credit cards. How will this affect my credit and for how long?We Answered:Debt consolidation can mean several different things: STAY AWAY from "debt consolidation" company that promises to cut your debt in half through debt settlement....This is a risky tactic of deliberately ceasing all payments to creditors and forcing your accounts into default to attempt settlements. You pay a monthly fee to a debt consolidator....this entire fee goes towards building a settlement account and to the consolidator's fees to “settle” your accounts in the future. Your credit card companies will deliberately not be paid so...

    Credit Cards And Bad Credit

    Arnold Said:Is having 5-6 credit cards bad for your credit score?We Answered:Only if you do not manage them well. The number of credit cards a person has is not important, how they manage them is. Keep your balances below 30% of your credit limit and pay on time every month and you will be fine. I had 14-credit cards at one time and my score was over 750. I only have 8 now and it's still over 750 because I manage them well.Morris Said:If you have bad credit which credit cards can you get?We Answered:Major credit card issuers like Discover, American Express and...

    Credit Cards Bad Credit No Credit

    Ruby Said:Bad/No Credit -- Credit Cards?We Answered:Those hospital bills may hurt you more than you think they may. Reason I say that is, they still report to your credit, however it may or may not report to all of the agencies, making it harder to spot, which can make it even harder to build credit. So, I would definitely try to take care of those ASAP. As far as trying to find a CC out there, Orchard Bank's probably will be your best option, that's not a secured credit card. And there are some unsecured cards out there (First Premier, New...

    Credit Cards Benefits

    Joel Said:What is the best credit card travel benefits?We Answered:cards.hotusa.org - try this one. It offers several cards which provide such a service.Vickie Said:Which credit cards have the best cash back benefits?We Answered:There are a few good ones out there check out www.fastcreditcardapprovals.com under reward cards here you will be able to compare them side by side.Lewis Said:prepaid credit cards? what are the requirements needed to get one of these and what are the benefits?We Answered:Well to answer you questions, yes you do have to be the age of 18. Most people that use prepaid credit cards have bad...

    Credit Cards For Bad Credit History

    Andy Said:How do I apply for travel reward card with bad credit history? Which credit card company best for reward ....?We Answered:It depends on what type of rewards that you want. If you do have bad credit, then you are going to be paying really high interest.Robin Said:Default Payments of Credit card (Canada)/Bad Credit History?We Answered:Your friend should be morally liable for the charges made on these cards. However, may not be legally liable.Veronica Said:Any credit cards out there for individuals who has bad credit history?We Answered:I would try Orchard Bank or Providian but be careful of the...

    Credit Cards For Poor Credit History

    Derek Said:How can I get credit if no one is willing to give me a credit card?We Answered:there are two ways you could start credit one or them is taking out a small personal loan which you might need a parent or an adult to co-sign for you meaning if you do not pay the loan they will. Or you could apply for a credit card for bad or no credit which most likely will get you approved no matter what, but if you are a student you could get a student credit card which will offer you lower rates...

    Credit Cards For Student

    Duane Said:Should I take out a loan to pay off credit cards and student loans?We Answered:don't do it for your student loans. if you have a home see if a home equity loan is an optionAnita Said:Where do I find student credit cards?We Answered:Go to www.bankrate.com, choose the Credit Cards tab. Under "Compare Credit Card Rates, click on Select by credit card type <search>. On the right, choose the credit card type - Student Card -<update> and compare the cards to see which is best for you. There is a Calculators button on the blue line above the tabs. From...

    Credit Cards For Those With Bad Credit

    Anita Said:Credit Cards for people with bad credit: anything bad about them?We Answered:If you get a secured credit card you'll definitely get approved for it and if you use it properly EG *pay your bills* you'll get credit scores. I am not sure if that's what you were asking! This is a goo secured card http://www.esuperfind.com/nextmillennium… you an download the user agreement off the sign up page and read it for more info.Daryl Said:Is it true that you get bad credit if you have numerous credit cards?We Answered:Each card you apply for lowers the score 7-11 points. Have 3, THREE, good...

    Credit Cards Fraud

    Allen Said:Can I take back or settle a report of credit card fraud?We Answered:You have two choices. Just let them know it was not fraud. At that time you become responsible for the bill. They will not send your parents a bill, but your parents should pay you. If the bill is not paid it will effect your credit. Let them know it was an unauthorized purchase by your parents. At that time they will continue with the investigation. They still may make you liable, or they could prosecute them and it is out of...

    Credit Cards Generator

    Tracey Said:where can i get a credit card generator?We Answered:Buy a prepaid credit card and load a few bucks on to it.Nora Said:Is it illegal to use the credit card on fake name generator credit card?We Answered:Of course. Fraud, identity theft and so on. Did your mother not teach you that taking or using what is not yours is stealing.Franklin Said:Which bank/ credit card has a virtual credit card generator?We Answered:AT&T Universal Card through CitiCorp has virtual account numbers....

    Credit Cards Info

    Alice Said:How do i buy music off itunes without giving out credit card info?We Answered:When you buy a pre-paid card, click "Redeem Code" once you do that I think it'll just ask you to make an account. No Credit Card neededMargaret Said:Credit Cards info on my Credit Report?We Answered:Good accounts like you describe show for 10-years from the date paid.Jo Said:help with credit info, paying off cards and asking for them to drop some ins %?We Answered:If you pay your bills late or if you pay back less than you owe, this will hurt your credit. This is just...

    Credit Cards Information

    Cody Said:Do our credit cards release private information to government or state agencies.?We Answered:They can see your purchases. If the FBI or something deems it necessary. Not randomly though. If they have reason to believe you're doing something illegally.Terri Said:Does anybody knows what websites I can go on to win free gift cards without giving my credit card information?We Answered:Here is a site I love you can play in tournaments for free cash prizes and bid in auctions with the points they give you and alot of the time the auctions have gift cards in them. Here is my link: http://www.traderauctiongames.com?refere…Elmer...

    Credit Cards Problems

    Amber Said:walmart credit cards problems?We Answered:Let me dissect your question and itemize my answers: 1) With regard to credit card companies sending their bills late so that you most likely get a late-payment....yes this has happen before. The credit card company was called Providian and they were worse. Providian would receive the checks/cash them but not credit the accounts and still charged a late payment. You can educate yourself more on credit by visiting the following website(it's a PBS Frontline Special titled "The Secrete Credit Card"): http://www.pbs.org/wgbh/pages/frontline/… 2) Since you shop at Walmart you can make your payments at Walmart directly so DON'T...

    Credit Cards Protection

    Susan Said:Is Paying off Your Credit Cards Really a Good Idea?We Answered:If inflation is 12% a year (a HIGH number) and your credit card interest rate is 12.7%, you lose by carrying a balance. Additionally, as credit becomes harder to get, creditors are going to look very carefully at percentage of available credit you have used (i.e., maxed out). Milton Said:How does purchase protection on credit cards work?We Answered:It depends on the card and the account terms, but generally, most insurance will cover purchases made using the credit card against theft, loss, or accidental damage that occurs within a...

    Credit Cards Reviews

    Lynn Said:What are credit card rewards programs of Citi Premier Pass Card?We Answered:Citi PremierPass(SM) reward program enable cardholders to earn a point for each dollar spent for general purchases and a point for each three miles flown by a cardholder on any airline. It may include others who buy the ticket using the card.The points earned can be used for travel, products; gift certificates and the like. The most number of points that can be earned annually is 100,000. There is expiration if the account has no activity in every three years. You may find a great Citi Premier Pass Credit...

    Credit Cards With Bad Credit History

    Ella Said:i need info on real loans and credit cards for people with bad credit history?We Answered:Why not stay away from both until you rebuild your credit rating...Roberta Said:Let's say I have bad credit & 10 credit cards, wouldn't it be harmful to have a tradeline?We Answered:Well, since you have 10 credit cards, you already have 10 trade lines. Now while, adding a new tradeline brings down your score, it will rise again once an adequate payment history has been established....

    Credit Cards With Cash Back

    Kurt Said:Cash-back credit cards?We Answered:First, Capital One and Bank of America offer the only 0% Foreign Exchange Transaction Fee cards. The BofA card requires a Charles Schwab account, but pays 2% back on all purchases, nothing beats that card, IMHO ;-)Tamara Said:With Credit Card Cash Back, do I get the reword for each daily transaction?We Answered:Everyone I have seen pays on net purchases (what you buy minus what you return) of sometimes specified types of goods during the reward time period. Be sure to read all of the fine print about when, how much, and for how long the cash...

    Credit Cards With Travel Rewards

    Derrick Said:Which credit card has the best travel rewards plan?We Answered:You can use the rewards calculator at this site to see which credit card will pay you the most frequent flyer miles rewards (or other kind of reward) for your spending profile: http://www.creditcardtuneup.com/ Using that calculator, the American Express Blue Sky card looks quite good for travel rewards (for my spending profile). But there are other cards that would pay me even more in cashback, etc.Travis Said:What is the best credit card for travel rewards?We Answered:Consider what makes the card best for you.Does it have a annual fee.Can the rewards/points be...

    Credit Repair Credit Cards

    Bill Said:Do annual fee credit cards help repair credit after bankruptcy?We Answered:I don't know about that but the best thing to do is make sure your monthly payment are ON TIME and pay more than the minimum due. Keep your balance as low as possible as this is what affects your credit score. You can find more info here: http://www.safelinked.info/jump.php?link=debt Take care.Yolanda Said:what is the best credit card to get to repair my credit?We Answered:Companies like Capital One, Orchard Bank, Citibank can help to repair your credit. One of the many benefits of using one of these preferred lenders is that they...

    First Time Credit Cards

    Eugene Said:what are some first time credit cards?We Answered:cards.hotusa.org - try this one. It offers several cards which provide such a service.George Said:First Time Credit Cards?We Answered:try capital one, and try health one financial. Health one financial is sort of like a loan on a credit card. You can only use it for the docs, and make sure you doctor will accept it. You can pick the price. After you fill out the application, they will call you almost the next day if not before to discuss payment plans. Wish you the best of luck! (make sure you read all the print...

    Free Bad Credit Cards

    Juanita Said:how can i get free activation and free cell phone on line, with bad credit? and not having a credit card?We Answered:I suggest getting a prepaid cellphone. No such thing as a free anything in this world. Get a Virgin Mobile phone. no activation fee and no monthly fees, it's pay as you go minutesAmy Said:I have bad credit which I have been fixing, are there any free credit cards I can get?We Answered:Check out this web site: http://www.creditcards.com/bad-credit.ph… There are some cards listed there that are offered for little or no fee. If you click on one of...

    Guaranteed Canadian Credit Cards

    Gordon Said:bad credit help!! experiences expertise please. process of a loan and is comfused!?!?We Answered:"advance fee" loan scams are becoming so prevalent that the Federal Trade Commission has an alert on their website - here is an excerpt, please read the rest at the FTC website: http://www.ftc.gov/bcp/conline/pubs/tmar… Legitimate offers of credit do not require an up-front payment. Although legitimate lenders may charge application, appraisal, or credit report fees, the fees generally are taken from the amount borrowed. And the fees usually are paid to the lender or broker after the loan is approved. Legitimate lenders may guarantee firm offers of credit to...

    Guaranteed Credit Cards Uk

    Katie Said:uk spousal visa / possible extension for 6mths?We Answered:You have to make the application for renewal, not your spouse. After the initial two years spouse visa with temporary leave to remain, you can make an application for Indefinite Leave to Remain (ILR) provided your marriage is still intact and you are still living together. Here's the info on applying http://www.ukba.homeoffice.gov.uk/ukresi… You are getting some silly answers here about having to extend for another two years which is nonsense. On a spouse visa, you only have to be resident in the UK for two years before you are eligible to apply for...

    Guaranteed Unsecured Credit Cards

    Stacy Said:guaranteed unsecured credit ?We Answered:Look here. It helped me. ...

    High School Student Credit Cards

    Beatrice Said:Is it smart to pay off current credit cards with student loan?We Answered:Absolutely, you should pay off your credit card with lower-interest rate student loans. Unfortunately, student loan interest rates go WAY up on 6/30/06 thanks to Dubya! It is imperative that you consolidate before then. Myself, I am a grad and need to consolidate my loans before the deadline! So I went on a google hunt (I mean search ;). Eventually, I did find a site that has rated a few student loan consolidators, and says they have checked them out. Here's the web page: http://lendersrated.com/studentloans.htm Hope it helps you... karaterossLinda Said:Do...

    Hotel Reward Credit Cards

    Brett Said:What are some really good reward cards?We Answered:Getting rewarded as you spend money with your credit card makes things interesting for a credit card holder. The cashback, free gas, free air travel, free shopping, discounted merchandise and other freebies that a reward credit card brings with it, add value to credit card ownership. But, there are many things that should be considered to get the maximum benefits from a reward credit card. Read on to get familiar with the basics. Getting the right reward card that 'really' helps your cause is the first thing that should be kept in mind...

    Instant Approval Bad Credit Credit Cards

    Marie Said:Credit cards?We Answered:we take a look at 3 popular guaranteed approval credit cards. These credit cards have one thing in common - they are designed for bad credit people. The use of these credit cards are reported to major credit bureaus and this can be a vital thing for bad credit people. Using them will help such people improve their credit history (provided they use it wisely). Getting one such credit card is an opportunity not to be missed. Let us look at these offers. 1. The Imagine Gold Card It reports to all the three major credit bureaus, being an unsecured...

    Instant Approval Credit Cards For Bad Credit

    Bonnie Said:Credit Card with bad credit?We Answered:One should never get a credit card to lessen worries, credit cards should not be used to make ends meet. That is how people get into trouble with credit cards.Gina Said:Credit card Question please help.?We Answered:First, they have to decide whether to approve you. Second, they have to make the card (put your name on it, etc.). Third, they send the cards by mail from a central location that serves all the card issuer's customers in the country, and the mail can take several days, so you are not going to...

    Instant Approval Student Credit Cards

    Mildred Said:How can I build my credit?We Answered:Usually, department stores will not approve you with no credit history. Try student credit cards. Also, if you open a cell phone line under your name, even if it doesn't report to your credit, you will be able to show that you can make consistent payments. The only thing is that you will need to leave a deposit to open the line. Another option is to ask a parent if they can add you as an authorized user on one of their accounts. By doing that, it will show on your credit report; Once they...

    Instant Business Credit Cards

    Cynthia Said:How Does an ATM business work.?We Answered:Yes you are responsible for loading it.2-8 grand. The money per transaction is all yours and it is instant. So if you charge $1.50 or $2.50 it goes directly to you. It is your profit. The money that is taken out by the customer say $20.00 for example that is transfered into your account instantly. You can lease or purchase your ATM machine. You are responsible for loading it. When you purchase your ATM it comes loaded with all your data of which account you want the transactions going into. I got my credit card...

    Instant Online Approval Credit Cards

    Hilda Said:Does anyone know of any instant approval credit cards that I don't have to wait for in the mail to use?We Answered:Try First Premier Bank apply on-line it only takes a minute to apply and receive an answer and the card comes in the mail within 7 to 10 daysHarvey Said:Instant Approval AND Rush deliveery credit cards?We Answered:It isn't a good rate but apply where you are buying things and they can give you your merchandise right then if you are approved. A good credit score is over 720. Yours is almost good if you do everything right a...

    Miles Reward Credit Cards

    Wesley Said:What credit cards have the best reward/miles programs for people if you pay your monthly balances in full?We Answered:Oh my gosh, so many. I have over a dozen credit cards, but only am using 4 every month right now which I pay in full. I have two American Express, Amex Hilton and Amex Starwoods which I charge nearly everything on and pay in full each month. I also have Citibank Aadvantage card. It's not a very good earner at one mile per dollar - but Citi has a 20-25k bonus when you sign up (25k is enough...

    Poor Credit History Credit Cards

    Christopher Said:Can I get approved for an apartment with a poor credit history?We Answered:I don't see any problems renting a new and better apartment with that credit score. My credit was 560 when I first rented my apartment and I was worried about security deposit as well but I was approved without any conditions such as SECURITY DEPOSIT. By the way, the apartment I rented was in an expensive upscale part of the town. But it is quite possible that some apartment management companies may have stricter qualification criteria. Even in the worst case, they will require you to pay a...

    Prepaid Canadian Credit Cards

    Matthew Said:What are the names of Canadian Prepaid Credit Cards?We Answered:List Of Prepaid Credit Cards In Canada Horizon Plus Prepaid MasterCard - Must be at least 16 years old - Minimum load amount is $10 - Maximum balance is $2500 - Maximum daily withdrawal is $1000 - Maximum daily purchase is $2500 - Sign up fee is $14.95, monthly maintenance fee is $2.50 My Plash Prepaid MasterCard - Must be at least 16 years old - Minimum load amount is $5 - Maximum balance is $2500 - Maximum daily withdrawal is $1000 - Maximum daily purchase is $2500 - Sign up fee is $26.35, monthly maintenance fee is $5.95 MyCard MasterCard - Must be at least...

    Providian Credit Cards

    Mae Said:Did you have a providian credit card when they started rpping people off?We Answered:Yes. I've had a Providian credit card for many years though I was never ripped off. I was never overcharged or charged without my knowledge or consent for any transaction. Nor do I ever apply for or activate a credit account with an annual or monthy fee. I read my credit agreements. The information was there, so during that time I did not use the card for cash advances, balance transfers or enroll in their 'balance protection plan'. A little...

    Reward Program Credit Cards

    Peter Said:What is the best Credit Card Reward Program?We Answered:citi driver's edge options gives 6% on gas, grocery,drug store for first year -- after first year it is 3%. The cash can be only redeemed for auto repair/services or buying new car. It also has 1 cent per mile you drive - not a bad deal in this age of high food/gas prices second one is chase freedom -- gives 3%casback in top 3 categories. If you are patient to wait till you accumulate $200--it gives additonal $50 as bonus -- equivalent to 3.7%cashbackLeon Said:Best Credit Card Reward Program for Gamers?We...

    Secured Canadian Credit Cards

    Gina Said:Establish Credit....?We Answered:Go to www.Prosper.com and get a really small loan from them. Your loan will go on your credit. You may not get the best rate, but it doesn't really matter if it's only for $1,000 or so. The loans are for 3 years, and by the end of it (if you do every payment on time), your credit will be a lot better. Good luck!Maureen Said:Secure american credit cards for canadian citizen?We Answered:If you don't have an American address you can't get an American credit card because of the patriot act. Credit card companies need...

    Students And Credit Cards

    Holly Said:Is it possible to apply for 2 or 3 credit cards and then choose the one that fits you the most?We Answered:If you are not at least 21, you won't easily get even one card approved. Why are you worrying about the interest rate? If you don't plan on paying your card in full each month, you shouldn't get one. That is quicksand.Delores Said:What is the purpose of student credit cards?We Answered:Student credit cards offer students with little or no income the opportunity to prove their creditworthiness. They tend to have higher interest rates than standard credit cards...

    Student Credit Cards Bad Credit

    Katrina Said:Bad credit and need Student credit card!!HELP PLS?We Answered:Get a credit card from local bank and pay it in time. You also can use this service to avoid common mistakes while buiding credit and pre-estimate future scores for different scenarios of payments - freecreditreport.hotusa.orgPatsy Said:How do I choose right student credit card if have no credit or bad credit history?We Answered:There IS NO good credit card that will be right for you. IF you do not have or have bad credit, they will eat you up in interest rates. Leave them along and you will be better off. You...

    Top 5 Credit Cards

    Russell Said:What's the difference between airtime, top-up, and minute pack cards?We Answered:You're smart. If you're not careful with Virgin Mobile, they will mess up the charging. The best way to buy anything on Virgin Mobile is with topup cards. Texting is $5 a month for 200 texts if you order a pay as you go minute pack of at least 200 minutes which costs $20. OR $5 for a 1000 texts if you buy the monthly plan which starts at $29.99 for 300 anytime and 1000 night/weekend minutes. You CAN'T buy a $5 text pack by itself without one or the...

    Unsecured Canadian Credit Cards

    Curtis Said:How do i obtain an UNSECURED credit card after just going through bankruptcy.. I am Canadian if it makes a dif?We Answered:The fact you say you've exhausted banks makes me think you are a user of the system and in turn create higher interest rates for us all. Get a SECURED credit card and don't get back in the mess you were already in.Michael Said:Unsecured Credit Cards for Poor Credit for Canadians?We Answered:Hi, this is all I could find. Hope it helps. It is a site with credit cards for Canadians only.Dean Said:I am looking to move to...

    Unsecured Credit Cards For Bad Credit

    Viola Said:Good Credit cards for people with non exsistant or bad Credit?We Answered:Stop applying for unsecured credit cards, you will only be denied. You will have to start out with secured credit. Make sure the banks report to the credit bureaus, otherwise it does no good. Go to the bank you do business with, ask them if they have a secured credit card, if they do open a new account with $300 - $500 tell them you want a secured credit card against that account. Use the card for small purchases like gas or food and pay the card off entirely...

    Unsecured Credit Cards For People With Bad Credit

    Alfred Said:Credit cards for people with bad credit?We Answered:Credit One, Aspire, Imagine and Total Visa. Capital One also has one for people with credit that needs improvement.Matthew Said:are credit union good for people with bad credit?We Answered:It sounds like you are digging a deeper hole for yourself. More credit cards and a loan isn't the way out. Check this site: http://www.nfcc.org/ . These are legit non-profit credit counseling companies -- no fees. They also have debt management programs, if you qualify, at no fee. If your credit score is low and you already are loaded with debt, a...

    Unsecured Credit Cards With Bad Credit

    Clifford Said:Is there any hope for me getting approved for an unsecured credit card with no job and bad credit?We Answered:Get a credit card from local bank and pay it in time. You also can use this service to avoid common mistakes while buiding credit and pre-estimate future scores for different scenarios of payments - credit-report-free.totalh.comKristen Said:What companies offer unsecured credit cards for people with bad credit?We Answered:try Orchard Bank (www.orchardbank.com). They have a pretty good card and there's no annual fee. Watch out for cards that say unsecured and then hit you for a 'participation fee' 'set up fee'...

    Zero Percent Apr Credit Cards

    Freddie Said:Pay off Zero Percent Cerdit Card??We Answered:If you have borrowed a high percentage of your available credit on this card, you will probably have a decrease to your FICO score - anything over about 50% will probably result in a noticeable decrease in your score. Depending on how many other cards you have and what their credit lines/balances are, you may also have a decrease due to your overall debt/available credit ratio. Anything over about 35% will probably result in a noticeable decrease in your score. Combined, both these factors may drop your FICO score by 10 - 50 points,...

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