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Displaying 40 to 50 (of 75 questions) Page:   5 of 8
User Name:
robin cox
Date:
December 12, 2006, 4:50 am
i filled out a form. it said it was charging my account $149.95 all i wanted is to see if i would be approved for credit could you please call me back today?
Answer:
We have no access to your credit card accounts and we can't approve or disapprove customers for credit cards or charge them. So, call the bank and ask them all the questions you need to clear out.
Speaking about your application, I think, you can't expect to learn if you were approved or not very soon (if this is not an instant approval credit card), as it takes usually about a week or more for the bank to make a decision. After that you will be sent a letter or e-mail with approval or disapproval (in some cases the bank sends no reply if you are disapproved). But you should be attentive, as it won't do to send money before you know if you were or were not approved for the credit card. if the bank requires to do it, it should cause suspicion.

Best,
Manager of Immediate Credit Card Care Service
User Name:
lori Harris
Date:
December 12, 2006, 7:55 pm
Is my credit card ready to be used on almost anything like groceries or fuel where ever they take visa card?
Answer:
Usually credit card deals with Visa provide the cardholders convenience. The owners can use Visa cards to pay for groceries, fuel, rent bills, etc. Such credit cards can also be used for paying on the phone or Net or charging cash at ATMs. Your credit card is ready to provide such services in case you applied for it and got a letter of approval that included your card activation number. You can use your Visa credit card as soon as you activate it by phone or online. You can make purchases and borrow cash according to your credit limit.
At out website you can choose a Visa credit card deal depending on your credit history.

Best,
Manager of Immediate Credit Card Care Service
User Name:
nik
Date:
December 13, 2006, 6:42 am
are their any credit card companies that check only equifax? i had credit fraud and my equifax is the only one that wasn't messed up. I don't have any late payments and 6 years of history
Answer:
As for now, you may need the two other reports - from Experian and TransUnion. Under the Fair Credit Reporting Act, you can dispute inaccuracies that seem reported improperly on your other credit reports. You can start an investigation or contact the dispute center. To do that, you will need the toll-free numbers of these companies. If you have an up-to-date copy of your Equifax report and your 10 digit number, you can to make this online (the web address may be at the top of your report). Unfortunately, we offer the best credit card applications and do not provide any phone numbers and any other information of this kind. However, you can find the official websites of Experian and TransUnion in the Internet using a search engine. For example, TransUnion offers disputing of three types: online, by phone or by mail. In this manner, you can visit Experian website and initiate an investigation.
Usually, the majority of credit card companies ask your report from those three credit bureaus.

Best,
Manager of Immediate Credit Card Care Service
User Name:
jodi
Date:
December 14, 2006, 8:13 am
I was accepted for a aspen gold master card in november and still have not recived my card just wondering whats the hold up?
Answer:
In the approval letter (if you received it by mail) or message (if you received it by e-mail) there should be information about how long you wait for the credit card, how you know about the approval, etc. Or you can find such information in terms&conditions of the credit card. Usually you have to wait for a credit card for up to 30 days. But if you feel you wait for too long, it is necessary to call the bank and ask them what is wrong. Probably, you gave the wrong mailing address, or there is a mistake in the post or in the bank itself. Contact them as soon as possible and clear the situation out.

Best,
Manager of Immediate Credit Card Care Service
User Name:
francis stewart
Date:
December 15, 2006, 5:10 am
How do i call you , as I do not want to give my info out over the net, fs
Answer:
Actually, we are just a provider of credit cards that range from no credit history to excellent credit history as well as the best rewards credit cards and credit cards for foreign residents. People who visit the website can choose credit cards that fit them best and apply for the ones they like. We manage the process of credit card application and can support a person doing this. However, we do not provide any phone numbers or web addresses, etc. The matter is that after you submit an application, your inquiry gets directly to the bank and its managers are to present further information. So if you know which bank you deal with, try to find their toll-free pnone number and call their client service. By the way, our credit card applications are secure and protected from identity theft, so you do not need to worry about that.

Best,
Manager of Immediate Credit Card Care Service
User Name:
K Wrobel
Date:
December 16, 2006, 8:23 pm
One of the credit agencies says I have fair credit because I need to establish more credit.
Can I find a credit card with no annual fee and low fixed apr?
Answer:
First of all I should advise you to get credit reports from other credit bureaus, as you can't be sure about what credit bureau provides the bank you've chosen with credit reports. If you look through fair credit card applications, you'll see that an average interest rate is 9.9%, and there are no credit cards without annual fee, the latter being not lower than 48 dollars. You can only choose among gold and platinum credit cards, depending on the number of benefits you want to get.

Best,
Manager of Immediate Credit Card Care Service
User Name:
Jackie Kimbrough
Date:
January 17, 2007, 10:26 am
I need a starter card with no fees Annual,set up or......Low limit
Answer:
If you have never had credit before and are going to fill out a credit card application for the first time, you, probably cannot hope to get an online credit card approval for a no annual fee credit card with low limit. The best option for you would be to apply for Secured Credit Card which does bear an annual fee but is easier to qualify for. What's more, applying for a credit card secured, your credit limit is made up of the money deposit amount, so you yourself can define the limit. A secured credit card is the best one for a starter.

Best,
Manager of Immediate Credit Card Care Service
User Name:
Thom Kee
Date:
January 19, 2007, 4:23 am
where can I get a secure credit card, to help rebuild my credit from a bankruptcy.
Answer:
Fortunately, at www.Ezpreapproval.com thare are such credit cards. We offer secured credit cards
for people with poor or no credit history. However, if you are going to apply online, we must warn you
about possible difficulties. Bankruptcy remains in your credit history for 7 to 10 years (and this also
depends on the type of bankruptcy chapter). So banks are very cautious about such customers. If enough time
has passed from bankruptcy, choose a credit card. Check if you are eligible for the card and apply online for a secured credit card! Do it using our online credit card application!

Best,
Manager of Immediate Credit Card Care Service
User Name:
jeong
Date:
January 20, 2007, 12:27 am
my score is experian 688, equifax 715, transunion 809. but, experian and equifax report have charge-off. they already had been discharged. when i apply for credit card, most of company was turned down on my applications. because, it only got charge-off account.
Answer:
A common problem people face when trying to rebuild their credit is that their credit reports taken from different credit bureaus differ, so that they turn out to have good and fair credit at the same time. If your negative items have been discharged, but they are still in one or several of your reports, you should contact the credit bureau and ask them to remove the incorrect items. As soon as the information in all your reports is identical and the undue items are removed, your credit score will be as it should be and you will be able to apply for a credit card without worrying.
User Name:
n.hutchinson
Date:
January 20, 2007, 10:21 pm
My credit score was 684 about 2 wks.ago,down from 685 because I don't have a mtg.,car payment,or any credit card debt,as a matter of fact I closed several cards within the last 6wks.,pd.in full,thinking this would increase my score.Experian informed me that I did not have enough open credit,or a mtg.,&my credit was not high enough,(1cucard limit$3000.)Now what?I was discharged from bankruptct ch.13 8-05.
Answer:
In your situation you should probably address to a financial consultant, as bankruptcy cases are sometimes very complicated. If you just want to get a good credit card(your credit score corresponds to good credit), you should spend some time to make the credit bureaus remove the banktuptcy record from your reports. Do not try to apply for a credit card with an extensive credit limit now, as you can be easily denied. So, after your credit report is cleared, you are free to search for a credit card for everyday use with a modest APR and maybe a number of rewards. After you will make some payments for the card, apply for a couple of cards for other needs, to give a boost to your credit.
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