Get Help with Credit Cards Online

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 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.

heard about your card that allows 0% interest for life as long as you make two purchases a month with no min. to spend, after Feb. 2007 i was trying to find this card online so i could read a little about it to see if i am interested in switching credit card companys!!! So could you please tell me where to find it and the name of the card? Thank You & Have A Good Day!

If you have seen such a credit card online but cannot find this credit card offer now it is probable that it has been replaced by a new one. Look carefully once again through Best Credit Cards section and if you do not find it, then, unfortunately, we do not provide it any longer. But we present other, no less enticing, credit cards, unsecured and secured credit cards and credit cards with instant approval for good credit or excellent credit score. You are welcome to examine the credit card offers presented and make the best credit card deal available!

i want a credit card but i dont have a checkings or savings account?

If you have some credit already (you had cards or took loans), you do not need any checking or savings account, the bank regarding your credit history instead. So you can choose any credit card according to your credit history. If you have no credit, you can use one of the two ways to build your credit: - apply for a secured credit card (for which you will need to get a savings or checking account) - ask a friend or a relative with good credit to become your co-signer (you will be a co-borrower of a good credit card and accumulate a number of credit points) There are no credit cards for no credit requiring no bank account, as the latter covers the great risk of the bank.

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!

We've a card that we've never had a default in payment-never missed, never late, sometimes pay more than minimum. Company suddenly more than doubled rate to 27.23 % Reason given was because we almost used available amount. Is this legal? Nothing in their terms to warn us of such actions. When I contacted them to question why they ok'd the amount of credit, they told me we had earned it, but added that they hadn't told us to spend it. Sound shady to me. Anything can be done?

The first thing you should do now is to read terms & conditions, including the fine print, with utter attention. Maybe, you didn't see this item. Second, it may so happen that the bank has changed some points in terms&conditions of this card (bank states its right to do that without notifying the customer). If you still can't find anything verifying this abrupt increase in the percentage rate, you are supposed to turn to the court and prosecute the bank for that. but you are recommended to scrutinize all the documents and laws related with this issue, to avoid being denied in your complaint.

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 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 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.

My credit report shows that I have an open account with Columbus Bank and Trust. I do not remember opening any such account and I do not receive statements. Could you give me a phone number so I can close this? Or tell me how to close it?

Your actions should be quick in your situation, as it may turn out to be a case of identity theft (someone might have opened an account under your name). So you should call Columbus bank and Trust, and make a request if they really have an account in your name. If all the information will coincide with yours, it is identity theft, and you should turn to the police and inform credit bureaus about it. The bank will close the account and credit bureaus will freeze your credit history.