Get Help with Credit Cards Online

I recently opened three new accounts (within past 2 weeks) & after reading about credit scores I am wondering if I should close them. One of the accounts is the Chase Visa Card with the 0% interest rate on balance transfers & no fees for the transfer. I have not yet activated this card & am not sure what I should do now. The other accounts were department store credit cards: Nordstroms & Ann Taylor Loft. Should I close these new accounts & how will this affect my credit scores?

When you are going to apply online for a credit card, you should pay close attention to its terms and conditions to see whether you accept them or not. If they do not meet your requirements, you'd better refuse from the credit card as a denial in application will damage your credit score. The same happens when you decide to close your accounts. So, if you cancell the three of your accounts, it will certainly affect your credit score but we can't tell you excactly how much as it is up to the credit bureau to decide.

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.

I am trying to clear up my credit report. I keep getting turned down when I apply for a card. What can I do

The most evident reason for refusals, you`re getting from credit card issuers, is that your credit score isn`t sufficient for the credit card selected. Thus the best decision for you before you apply online for credit card, is to get your credit report. A credit report incorporates your personal information, namely, your address, how you pay your bills, and whether you've been sued, arrested, or filed for bankruptcy. Nationwide consumer reporting companies provide the information in your report to credit card companies that use it for evaluating if you qualify for the credit card chosen or not. Nowadays you can order your free annual credit report online, and all you need is to access respective web-sites and provide therein your name, address, Social Security number, and date of birth.

i have no credit and im looking for some kind of card that i can get with the least amount of fees and a lowest apr rate becuae im 19 and have 0.00 credit please help me!!!!! michael maynard

If you have never had credit before and you are looking to apply online for a credit card, the best option for you would be to consider secured credit cards or unsecured cards for no credit rating online. They can help you to rebuild or establish credit history. Before you fill out the online credit card application for this credit card, pay close attention to its terms and conditions. Mind that it is a secured credit card, which requires a money deposite before you receive approval. The size of the deposite amounts to the credit limit on your credit card. Though you run a risk of losing money from your deposit, a secured credit card is a convenient tool for building one's credit history and if you manage it wisely. If you don't want to make a deposit, then no credit cards are to your service.

I applyed over the phone about 2 weeks ago and would like to know if and when I might recieve my card

Whether your application for a credit card is approved or not depends on many factors. When you are applying, either by phone or online, your creditors ask you certain things which influence their credit decision. They inquire into your credit history, your current credit score and estimate whether you are a good credit risk or not. Your approval also depends on the propriety of your credit card choice. Thus, if you apply for a credit card you do not qualify for and cannot really afford, you will most probably receive a denial. Usually, your creditors make a decision within two weeks and if you still haven't got the notification of your status, then you must have been denied. Anyway, call the bank you applied to and clear out the question.

What is the difference between secured and unsecured credit cards? Is one necessarly better than the other?

Secured credit cards are especially attractive for those people either looking to build or rebuild their credit history. There is a good selection now available of secured credit cards at BestCreditOffers.co.uk. Some secured credit cards even offer no fees, which is particularly useful if you are trying to re establish your credit rating. Secured credit cards are also very convenient when making on-line purchases, hotel reservations, car rentals or airline reservations. Unlike secured credit cards where you generally have to put a security deposit amount down on the card in advance, unsecured credit cards do not require such a payment initially. Unsecured credit cards are great because of the flexibility and freedom they offer users. However, acquiring an unsecured credit card means having a good to excellent credit history and excellent credit rating. There is a very wide variety of unsecured credit cards to choose from and although they demand a good credit rating to obtain one, this is the credit card employed by the majority of the general population. The difference between secured and unsecured credit cards for bad credit is really the security deposit required by one and not the other – especially now with the competitive rates and privileges that are offered by both types of cards. Unless necessitated by a poor credit rating– the choice of secured or unsecured credit cards is entirely up to you!

My bank statment is overdrawn from your company trying to take money, I did not giva you permission to do this. So how is this so?

Honestly the purpose of our website is to provide the credit card applicants with up-to-date information and present online credit card applications for all categories of consumers and all spending habits. If you read our privacy policy regulations, you`ll see that it`s the cornerstone of our strategy to secure all the data you deliver us by means of the most efficient techniques. Also, it is our rule not to give out your personal information to third parties without your preliminary permission or unless the law regulations require it. More than that, we personally don`t have access to your accounts, or your credit report, as well as we can`t take out or put money on your account or enter any kind of data into your credit history. Therefore, if something went wrong with your account or credit report, this might have been the bank's or a credit bureau?s mistake or something of the kind, so, apply to the entities as soon as possible to clear out the situation.

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.

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.