Credit Help Service
It’s Free Advisory Service Time!

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.

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.

According to our information, Notre Dame Platinum Visa credit card is offered by Notre Dame Federal Credit Union. This card will require no annual fee, provide low-fixed rates, 1% cash back on purchase and high credit limits. More than that, you’ll have online access for viewing statements, making payments, and checking recent account history. Obtaining this card you'll get also full range of travel services, such as auto rental insurance, travel accident insurance and other things. Unfortunately, we do not partner with this credit union.
To apply for this card you can access official website of Notre Dame Federal Credit Union, which you’ll find using search engine. Fill in credit card application online and enjoy your choice!

Some banks allow their clients to pay their accounts through online banking. At the Web site of the bank you have just to register your account you want to pay online. Unfortunately, you have not mentioned which bank credit card you use, that is why we can not exactly say if your bank allows you to pay your bill online or not. We advise you to look for the necessary information at your banks site or just call there. You can find more detailed information about banks and best credit cards they offer at our site.

Surcharge is an extra fee added onto another fee or charge. It is important to note that not all merchants will wish to charge their customers a credit card fee. However, if a merchant does decide to impose one, they must ensure that consumers know:
-the credit card fee will apply
-the amount of the fee before they enter into the transaction.
You see, our job is only to present the latest information about the best credit cards from the leading banks and credit card companies. We are not a credit card issuer and don`t have access to your personal information. Therefore we have no idea what card from what bank you are holding, whether the bank charge any extra fee and what is its amount. To get detailed information about all the parameters of your card, you need to contact the credit card issuer and ask all the necessary questions.

You see, our business is only to provide our clients with the current information about the best credit cards from the major credit card issuers. We also present credit card for comparison and give advice how to build a good credit history. We are not a bank or a company, we don't have any kind of access to your personal information and don't accept your credit card application. Your application form is sent directly to the credit card issuer and it's your credit institution, which can require any additional information from you. So, you need to contact your bank (go to the official site or call the customer service) and explain the situation to them.

Before you filed online credit card application, you should have read terms and conditions, where such information as fees, rates and credit limit, is pointed out. If the card you've approved for implies no annual fee or something of the kind, you don't have to refuse it, just wait until its expiry date - but this won't bring any additional credit points to your report. If you are not content with the fees or terms of the credit card, you should contact the bank first. Find the official website of the bank and call the numbers given there, or use the phone number, supposed to be written on your credit card.

Generally speaking, repaying an auto loan is a great way to improve or build credit. However, every auto loan lender can have different terms of auto loan payments. Even though you may have taken out a five year loan, you may be able to make double payments or pay a little more each month so that the loan will be paid off faster. Thus, it is important to check your loan agreement, to make sure that there aren't any prepayment penalties. In other words, it is your loan agreement that can help to determine the impact of paying off your loan earlier. Also, you can have multiple credit cards. Only card issuers can decide whether they want to approve your application for a card or not, taking into consideration your credit score. Thus, if you`re eager to apply for one of American Express cards, it could be wise of you to purchase your credit score first from one of the national credit bureaus: Experian, TransUnion, and Equifax. You can also purchase your score if you order your free credit report through the official online source established for this purpose.

If you want to clear your credit you should eliminate your debts. For debt elimination to succeed, you need to be in control of your finances and keep your finger on the pulse all the time. The starting point should be a list of your monthly outgoings. Just keep a record of them for a month to see what your monthly expenditure is. You can then compare your monthly outgoings with your net income, and this will be the basis of your budget as you develop a plan for debt elimination. You also need to compile a list of your debts; how much is outstanding, what the monthly payments are, and what the interest rate is. As an example, let’s say you have a net monthly income of $2500, and your total outgoings, including debt and repayments, are $2300. This means you have $200 to spare. So, you can use that $200 spare to get your most expensive debts cleared first. There is a good chance it is the deals that are most expensive, so you can target the most expensive credit deal i.e. the one with the highest interest. You owe $600 on that card, so in 3 months you can clear it. When cleared, you can move on to the next most expensive. Debt elimination is not going to be an overnight happening. You need to be prepared to plan for a few years. One step you can do to accelerate the procedure is to apply for one of balance transfer cards, thereby moving your debt from several cards you owe to one with lower rates.

The matter is that our website presents the up-to-date information about the best credit cards and place them in away convenient for comparison. When you apply online your application with your personal information is submitted to the bank and kept by the bank. Only the bank and the card holder know the number of the credit card account. If you remember the name of the credit card issuer you need to apply to this company or bank directly to clear up this situation. You can find all the contact information of the company at its official site.