Urgent Credit Help

Date: January 19, 2007, 1:11 am

Recently, I started applying for credit cards. I applied for about ten in a short period of time. Now when I apply I am turned down. What happened? My good credit is now bad? Thanks

As a matter of fact, you cannot apply for credit cards whenever you want and get a guaranteed credit card approval. Each time you are applying for a new credit card, your credit report is inquired into and your creditors try to see whether you are a good credit risk or not. They consider your current credit rating, how much you owe and how frequently you'va applied for credit. Drawing from this information, they make a credit card decision and whether send you Instant Approval Credit Card
or deny you in your application. Thus, if you have been turned down, it means that your present credit rating, due to many credit cards in use, doesn't allow you to obtain a new one. It doesn't necessarily mean that your credit has become worse.

Best,
Manager of Immediate Credit Card Care Service

Date: January 26, 2007, 1:57 am

Can I get a list of companies that offer no-limit credit cards and pros & cons for each comany.

Unfortunately, we do not offer no-limit credit cards on the present web site and we cannot give any sort of information on credit card companies issuing them. But we provide you with the Best credit cards online for all credit ratings and credit consumer categories. If you are looking to establish and build credit history, apply online for one of the Secured credit cards some of which are no annual fees and low interest cards and credit cards with balance transfers. If your credit rating is not that good, look through the Fair credit cards and apply online right now to improve your credit history. Compare all credit cards provided and use the online credit card application to be instantly approved if you qualify!

Best,
Manager of Immediate Credit Card Care Service

Date: January 29, 2007, 6:52 am

You guy took money from my account when it was not auorozied . It not apparicated

If any money is withdrawn from your account without your authorization, then it must have an identity theft committed against you. Identity theft is a crime when your name, social security number or number of your bank account are used to open a new credit account or to make financial transactions in your name (using the number of your credit card. If you've become a victim of identiy fraud, call one of the 3 credit bureaus and inform your credit card company of that. File a police report which is necessary to verify the crime. You should take action immediately so as to prevent futher fraudulent accounts and save your credit rating and reputation.

Best,
Manager of Immediate Credit Card Care Service

Date: January 31, 2007, 6:22 am

i have 3 scores, which score do u used. 705, 627, 621

The credit card you are holding at the moment, reports to all the three credit bureaus. In fact, it is very important that all the scores provided by the bureaus be the same to avoid unnecessary credit inquiry (called hard inquiry)which may affect you credit rating on th whole. We would recommend you to achieve equality in your credit scores, before you apply for new credit. You can do it addressing to the credit bureau reporting lower scores and asking them to erase the information if you can prove it is incomplete. Under the Fair Credit Reporting Act you have the right to demand a reasonable investigation on the information disputed.

Best,
Manager of Immediate Credit Card Care Service

Date: February 2, 2007, 2:36 am

How do I get a application by mail?

In view of security, banks and credit card companies do not send credit card applications by mail as there's a high risk of identity theft committed agaist you. Instead, they provide you with online credit card applications for the best credit cards for different credit histories and credit consumer categories. Make use of the present web site, compare credit card offers by the key points such as rates, fees and rewards and select a credit card according to your credit rating. Make sure you qualify for this very credit card and fill out our online credit card application allowing instant and guaranteed credit card approval. Among the best credit cards obline are lowest APR credit cards and no fee credit cards meant for good credit customers and secured credit cards for people looking to establish or improve their credit history. Do not apply for credit cards you do not qualify for, as it will damage your credit.

Best,
Manager of Immediate Credit Card Care Service

Date: March 29, 2007, 12:25 am

You have a link to a premier card application site that has an expired SSL Cert... This is very upsetting as I trusted this site and link that you provided to a trusted site. It's SSL cert is over 1 year expired. Please explain and tell me who to contact to ensure my information was not compromised. ASAP or I will take action. Thank You

You see, you are talking about the Privacy Policy of the bank. At our site we have just the link to the official site of the bank and we place the best credit cards issued by the leading banks. Only the credit card issuer can clear up you this situation. We suggest you to apply to the Risk Management Department of the bank. Its managers can answer your questions. If you need the contact information of the bank, click the link "Apply" by any credit card of First Premier bank and go to the official site of this bank, where you can find the phone numbers and other contact information of the bank.

Date: March 30, 2007, 2:05 am

I have fair credit (694) and would like to transfer a balance of $8,000 to a card with a lower interest rate, of the 4 cards you suggest in your section on cards for bad credit, I don\'t see a major difference between them----which would be my best choice

At our site there are no fair credit cards to transfer a balance. You need to improve your score rating to be eligible for cards that offer a balance transfer option. Choose the right card designed specifically for people with fair credit history. By making your bills payments on time you have all the chances to improve your less than perfect credit score and qualify for best credit cards.

Date: March 30, 2007, 2:46 am

My Experian credit report shows I have an open account. Please close this account and send me confermation that you did so for my records. Thank you Robin Gilman If you have any issues I may be contacted at the above email address

Unfortunately, we don't deal with personal information concerning your credit accounts. Our job is to present information about different credit cards from the USA, the UK, Canada and Belgium as well as to help you in the choice of the card according to your credit abilities. But otherwise, we can give you a piece of advice. After checking your credit report (to see the status of your accounts), contact your creditors (the bank) and ask them to close the account. Don't close the oldest account on your credit report. This can make your credit history shorter and can harm your credit score. You can cancel accounts that have an active balance. Send a certified letter to the bank. Make sure you include the account number, your name and the addresss of the account. The bank must notify the credit reporting agencies that the account is closed at your request. You should receive an account closing confirmation letter in 10 days. Don't forget to check your credit report for updates and errors after you close your credit accounts. Wait for 30-60 days for the creditor to report the closed account and the credit reporting agencies to update your records. Your accounts and their payment histories will stay on your report for 7 or more years, so they should be consdered as "closed".

Date: April 6, 2007, 9:48 am

Can I apply for the Hawaiian miles Visa card?

Hawaiian Airlines Visa® Platinum credit card is issued by Bank of America and functions as one of frequent flyer cards. To afford this card you should possess good-to-excellent credit score. If you credit history allows you can make application for this credit card online and enjoy getting 10,000 bonus HawaiianMiles with your first purchase and payment. Also, you`ll earn 1mile for every dollar you spend and enjoy credit line up to $25,000! So, the only obstacle you can meet attempting to apply for this credit card is your credit score insufficiency. Check your credit report before you apply online for Hawaiian Airlines Visa® Platinum card to be on the safe side.

Date: April 6, 2007, 9:48 am

I would like to know if closing credit card accounts affects my credit score.
thanks.

If you decided to get rid of a credit card, do it properly, and there will be no harm to your credit report. The first important rule is to cancel the card only after you have paid off the balance in full. Once you`ve paid off your credit cards balance you need to cancel the account. The procedure looks as follows Firstly, notify your card issuer by phone, printed on the card back, that your balance is zero, and you want to cancel your card. A credit card company representative will do his or her best to persuade you to keep the card open. If you`re not convinced to keep the card, go ahead with your cancellation procedure. Write a letter to credit card issuer, which says you ?re closing your account and want your credit record to reflect the fact that you requested the account to be closed. Send it by certified mail to escape any misfortunes. Check your credit report in about a month to make sure there are no mistakes in it and contact credit card company customer-service department in case you find any. Make all these steps, if you want you credit history to be safe and apply online for credit card again if you decide to get a new credit card for your spendings.