Get Help with Credit Cards Online

I had good credit since 1998, then I left a country for personal reasons. I did not have any late payments or anything bad abouth my credit history .I am back to USA now i live with a roommate, where and how i should start to rebuilt my credith. thank you

The first and foremost thing you should do is to get your credit report from all the major credit reporting agencies to make sure what credit rating you have. Maybe, you will have to spend some time with credit bureaus, but in the end you will see what you have and how much you should do to rebuild your credit, if needed.
If you have social security number, you are free to apply for a credit card according to your credit score, but you should make the right choice, choosing cards according to your needs and income.

How do I find my balance

You can make an enquiry to the bank which credit card you use. After the approval of your enquiry bank sends you a statement, where you can find the information about the balance of your credit card and expenses you’ve made. You can place your enquiry at the official site of the bank or just phone to the customer service of this bank (its telephone number is written on the card or in the statement) and ask for the information you need. More detailed information about banks and credit cards they offer you can find at our site.

I was offered a 8.99 Fixed APR on purchases and balance transfers, no annual fee, \"Mastercard\". I lost the paperwork so do not have the # to call. I know it was to www.Juniper.com and I believe the # following was 8227...I do not remember my code. Can you help me with this?

Your situation is not quite clear. If you know the address of that website you applied to, you can look for this information there once again. Have you got this credit card already? If you do not have any credit card, at our site you can also find the best credit card offers from the leading credit card issuers. You need compare credit cards features,their terms and requirements and choose the credit card complying with your needs. Our site is also used for making application for credit card online.You need just fill in the application form and send it direct to the bank.

i did a online application about three weeks ago and i still havent gotten my credit card it was approved online

When you file online credit card application, you are supposed to wait for the credit company's decision. The type of the card and the nuances of credit approval in different companies determine the period of time, before you learn whether you are approved or denied. It can take an hour (with instant approval cards), a couple of days, a week or even a month. 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 you qualify, read terms and conditions of the cards and then applied for the one, fitting your needs best of all. The time you should wait for the approval, is often indicated in terms and conditions. If you think you are waiting too long, call the customer service of the bank to clear out the situation.

Have yet to receive my card,has it been sent yet ? Also what is my credit limit ? I was issued a pin. Mahalo, Tom

When you apply for a credit card online, you are supposed to wait for the bank's or company's decision. Depending on the type of the card, the approval procedure can take minutes (in case of instant approval credit cards), a couple of days, a week (as a rule, 7-10 business days) or a month. You may apply to terms & conditions of the card, where such kind of information is usually indicated, or contact your bank and ask them. Your credit card may come together with the approval letter. If not, you need to be patient and wait for your card. You'll receive it in a few days. We can't tell you the exact data as we are not a bank or credit card company and do not deal with credit card approvals and delivering cards. As for your credit limit, it will be determined by the credit card issuer, taking into consideration your credit conditions.

How can I know beforehand that I'm approved and how high will be the limit on my card&

A usual rule before applying for a credit card is to check your credit report in order to be sure if your eligible for the expected credit card or not. Besides, you mind it that if you want to get a good credit credit card, you should have the required credit score plus no negative items, such as bancruptcy. As for the credit limit, it can be estimated according to your credit score. If you look at terms&conditions of a credit card, you will see this is true with most credit cards: the higher your score is, the higher the credit limit is available. But, however, both the credit limit and the approval do not always meet one's expectations, so do not be absolutely sure you will get what you want ,as everything depends on the bank in the end.

i filed bankrapecy it will be 1yr in feb i purchased a car with a payment of 591.00 a month with help of cosigner i have paid on time each month 4 a total of 5 payments. how or does this effect my credit score? also recieved aspen credit card is this good? should i get secured card?i would like to purchase house in nexy year or so i am 24yr old with good income

As you probably have been told, bankruptcy record will stay in your credit history during 7-10 years, depending on the chapter. So, during this period you will be refused for your good credit card applications. Your aim should be to accumulate your credit points, so as when these 7-10 years expire, you will have excellent credit score. It is also very important to pay everything on time and in full, avoid any sort of delinquency. Your payments have a very positive effect on your credit, but it's impossible to say how many points are added, as credit bureaus calculating this, use a special complicated system. As far as this credit card offer you received, can't give any advice, as we do not have such card at our site. A secured credit card is a good way to rebuild your credit, but if you can be approved for bad credit cards, you'd better apply for them. If you want to take as large a credit line as for a house, I think, you will also have to find a cosigner or turn to a credit union, as credit cards will so high a limit are usually for good credit. Good luck!

how fast can i use my card

Before applying for a credit card you are supposed to read terms&conditions, where the bank informs you about the fees and charges and the way your credit card will work. There it is also pointed out how long you will wait for the approval and how you can activate you credit card and when you can receive it by mail. After you make an application, you have to wait for the approval, which is verified by an approval letter from the bank. You can receive your card together with the approval or later. Anyway, you'll have to activate it and know the PIN, to start using the credit card. So, the moment you activate your credit card and get informed you can use the credit card, you are free to use it.

Hi, I was just wondering i you could shed some light. What does it mean when somebody defaults on the credit card agreement. Do they cancel their contract with the credit card bank or do they refuse to pay the remaining balance or do they stop using the credit card anymore. What happens if you stop using that credit card? are there any maintainance fees?

Before applying for a credit card, everyone should read terms&conditions, of this credit card, where all the fees and the way this card works are described in detail. It is the way how the bank want s to introduce its credit card offer, what it contains. If terms&conditions imply any maintainance fees - annual fee or anything else, you should pay these fees, even if you do not use this credit card and just hold it. Defaults on credit card agreement can be different, and are determined in the terms& conditions of the bank; if you commit some defaults, you are usually fined by the bank, so your debt increases. Among such delinquencies there can be refusing to pay. If you don't like the way this bank fulfills the terms&conditions, you can cancel the contract - that is close your credit card. But if you just stop using it (if it has no maintainance fees), nothing will happen, and the valid term will expire some day.

I have a unique situation. I am young and only have limited credit. I have a bank loan and car insurance payments in my own name in my home state. However, I recently moved to another state where I hope to attend college sometime soon. I live with a roommate and neither of us work because we receive money from our parents. What would be the best credit card that I could actually get approved for right now?

Generally, you can apply for a credit card for bad credit, as you have some credit history and you are able to pay. But you can face the following problem: since you are not working, you can't give the bank the information about your regular income. Some credit card companies do not hesitate to give credit cards to unemployed (high charges for bad credit cards cover the risks), others refuse to do it absolutely. If you have already chosen the credit card or at least the bank you want to turn to, call the bank's customer service and ask them if you can be approved having no job. You can indicate the amount your parents send to you annually as an annual income.