What kind of limit, if any, is usually given to people with poor credit trying to steer clear of bankruptcy, yet still paying some minimum charges on other credit cards and keeping up their mortgage and car payments?

The credit line you are eligible for as a poor credit consumer is defined by your creditors based on a number of factors. They consider the history of credit payments, your current credit score, your financial standing and your creditworthiness on the whole. Unfortunately, your poor credit prevents you from getting approval for lowest APR credit cards or no annual fee credit cards which are meant for good-to-excellent credit only. But if you are trying to improve your credit, a good option whould be a secured credit card which allows instant online credit card approval. Applying for a secured credit card, you are required to make a cash deposit as an additional insurance for your creditors that you'll repay. Each time you delay or skip payment, the money will be withdrawn from the deposit. Not attractive, is it? But if you manage your credit card wisely, it will help you to improve your poor credit in a relatively short time.

Best,
Manager of Immediate Credit Card Care Service

I OWN A BUSINESS AND I\'M LOOKING TO FIND A CREDIT CARDS THAT WILL LOOK AT MY BUSINESS CREDIT AND NOT MY PERSONAL CREDIT

As you accumulate enough points for a good credit score, you can apply for a business credit card for a good credit. In this case you will use your personal credit as a guarantee. Later on, as you continue using business credit cards, applying for the new ones and paying them off on time and in full, for not less than 5 years, you will be able to use your business credit history as a guarantee of your ability to pay. So, when applying for a credit card, you will have a right to give your tax ID instead of SSN, to refer the bank to a business credit bureau. To find out which credit cards base on your business credit, you can look at the terms & conditions of business credit cards and find it there.

I had a credit cards for 2years never late always paid triple the payment. This month for some reason or other , my payment was due on the 21 of Jan, I mailed the payment ont the 10th of Jan on the 17 0f Jan the mail were sended back to me because either i did,nt put a stamp on it or it came off I really don,t no w, because I mailed many mails at the same time ,but anyway i diceded to mail the payment back right away , becauce i still had four days. I called on the 21 of Jan to see if they reciced payment and they said no, so i said i wanted to make minum payment on phone , but they said the late chaarges had already been added to my account. I really am telling the truth about the stamp I know the rules ,but with me paying on time for the last 2 years do you think they coul d forgive me for this and let the last charge go this one time who do you think I could talk for this . I know they had to get the pay mentt by know 25th of Jan

Your situation is not an unusual thing. People who send payments by mail do face such problems from time to time, as there may be troubles in the mail delivery. It is usually recommended that you should pay 10 or so days earlier than the date of payment, to avoid overdue payments. You can't do anything about this late payment, but you can probably contact the bank and ask them not to report on it to the credit bureaus.
In future you should be more careful and semd payments earlier. Besides, find out if your bank has online banking service, that is, whether you can make online payments for your credit card. In this case you will only have to get registered at the official site of your bank and fill out the form which contains the number of your credit card and some other items of your personal information.
Some banks also let the customers pay via ATMs.

I'm wanting to add cash to my card it tells me it's not atcatived butt your office tells me that it is in working order..I beg to deffer.. Thank You.

The matter is that our site works to present the best credit card offers from the leading credit card issuers. At our site you can also make an application for a credit card online. Then the application with your personal information is submitted to the bank and kept by the bank. We are not the bank and do not have any kind of access to your personal information. We do not know if your credit card is activated or not. You need to turn to the Customer Service of your bank directly to clear up these moments. Its representatives are supposed to give you all the necessary information concerning your credit card.

Both my husband and I have Fashion Bug Credit cards that have been paid off for a while. We would like to cancel these cards. How do we do that? His name is Craig L Uncles and I doubt he even has his any more as he has not used it in a long time.

Whatever your reason for getting rid of a credit card is make sure you do it thoroughly and that no harm is done to your credit report. The first important rule is to cancel the card only after you have paid off the balance in full. Once you`ve paid off your credit cards balance you need to cancel the account. To do this you should make the following steps. Firstly, notify your card issuer by phone, printed on the card back, that your balance is zero and you want to cancel your card. A credit card company representative is interested in you as a consumer, therefore be ready, that he or she will offer special benefits, including rewards or lower rates, for you to remain their client. If you`re not convinced to keep the card, go ahead with your cancellation procedure. Write a letter to the credit card issuer, which says you`re closing your account and want your credit record to reflect the fact that you requested the account to be closed. Send it by certified mail to escape any misfortunes. Check your credit report in about a month to make sure there are no mistakes in it and contact credit card company customer-service department in case you find any. Follow this procedure if you want you credit score to be safe and apply online for credit card again if you decide to get a new credit card for your spendings.

How can I obtain a card with a lower apr than 20%?

APR (Annual Percentage Rate) is an expression of the effective interest rate that will be paid on a loan, taking into account one-time fees and standardizing the way the rate is expressed. In other words, APR is designed to measure the "true cost of a loan" to the consumer expressed as an annual percentage of the amount of credit granted. Different loaners calculate APRs differently, therefore, if you want to know the real cost of a credit, you should analyze all terms and conditions a credit card offers you, in the long run. Actually, it depends much on your credit score whether you can obtain one of low APR credit cards. Most of the lowest APR credit cards are assigned for people with good or excellent credit.

every time I sign up for a credit card I am denied why? I don't have any credit cards now. I'm just trying to build up my credit. why wont they help me....

There could be different reasons for refusals you're getting from credit card companies. The most evident reason could be your credit history, which is probably lower than the average and needs improvement. Once you decided to apply for a credit card online, you should check your credit report first. If you're just establishing your credit, you should start comparing online credit card applications for bad/no credit cards. These credit card offers are intended for people, who just set up their credit or restore it after damaging. Comparing credit cards online and pay your attention to numerous instant approval credit card deals with guaranteed approval for every applicant!

Best,
Manager of Immediate Credit Card Care Service

hi!.. Im an agent of primerica financial services how can i apply for a business credit card with a 630+ on my credit report......is there any credit card company that offer this type of application.... thanks in advance...!!! leo....

Your credit score is 630 which means you possess a fair credit history. Business credit cards require an excellent credit or good credit history. So, to get a business credit card, you should first have good business credit rating with the three business credit bureaus (without using your personal credit score). Since you have a fair credit, you can’t apply for business credit cards. But don’t worry, you can improve your credit history with the help of fair credit cards. So, when you apply for a credit card online and receive an online credit card approval for credit cards for fair credit, it adds a positive mark to your credit history. Of course, it will take time to improve the credit. But another way out for you is to get a credit card with a co-signer. In this respect, you can ask your friend or relative with a good or excellent credit to become your co-signer. He or she applies for one of our good credit cards, signs you up as a co-borrower and you’ll be able to pay off the credit on more beneficial terms, and accumulate credit points, but he/she is responsible for this credit as well. After improving your credit, report your good history to the bureaus that will help you to build your business credit score. Unfortunately, we cannot recommend credit card companies at the moment as it is more likely to be a personal matter, and you are to come to an agreement with your lender. Please, study thoroughly the terms and conditions of our business credit cards to select the one for your business.

i applied for a credit card over 3 days ago. instead of letting me know right away if i could obtain the credit card, a pop up said......"need more time, will notify you"...........it was a card with 0% interest for 15 months,0% balance transfer fee. i wrote down the website to contact regarding decision............"ww.bankof america.comcreditcards/decisions".............when i go to this site i can find nothing that will help me find my answer and i have not received an e-mail regarding this issue.....................how can i find the exact credit carad company that i applied to...................(I already entered another credit card information to trasfer)...........want to make sure this information is not lost somewhere on the web................would appreciate a phone number to call also..............thanks for your help in advance!

When you apply online for a credit card you are supposed to wait for the credit company’s decision. It can take an hour (with instant approval cards), a week, and a couple of days or even a month. There are certain things that influence the creditors’ decision. They inquire into your credit history, your current credit score and estimate what credit risk you represent for the bank. I hope you followed the usual rules to be observed before making online credit card application: you checked up your credit history, looked through all credit cards for which you are eligible and applied for the one, fitting your needs best of all, and read its terms and conditions. There, probably was indicated the time you should wait for the approval. If you think you are waiting too long, call the bank you applied and clear up the situation. Our web sites, apply-online-credit-card.info in particular, aim at collecting descriptions of current credit card offers of the leading banks and help the customers to make their choice and sort out an online credit card application. But we are not provided by any contact information of the banks presented at our here.

can i apply from ireland

Since you are from the UK, from Ireland, and you stand in need of the UK credit cards, at apply-online-credit-card.info you can find a great variety of credit cards for the UK citizens. Though, usually we don’t provide the foreigners with credit cards, some USA banks, as American Express UK bank and HFC Bank, do offer cards to foreign customers, making purchases. But, mind that you have to possess an excellent credit or a good credit history and to accumulate enough points in order to obtain the UK credit cards. Remember, the best credit cards in the UK are business credit cards and cash back credit cards, designed to suit your every need. But keep in mind, you are to be eligible for a credit card, otherwise you’ll be denied and damage your credit. To avoid this, please, study the terms and conditions of all credit cards thoroughly, before you apply online.