Urgent Credit Help

User Name: BRidget Dunlap

Date: January 19, 2007, 4:30 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

User Name: Paul Badawi

Date: January 22, 2007, 3:28 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

User Name: Dave Anderson

Date: January 25, 2007, 11:14 pm

I have received literature about credit and there was an add for a VIPVisa credit card with a $1 0,000 "LOAD LIMIT" and no credit check and other typical constraints. Is this valid and how do I pursue this avenue assuming it is legitimate! The add asks for a password: GuaranteedVisaCard; Email address: danderson@helloworld.com; and a zip code: 55408

Can you assist me?

Thanks, Dave Anderson

As far as it can be understood from your words, you received a promotional letter and the credit card you are offered doesn't require any credit report inquiry. Think over the offer you received. Look through the terms and conditions, fees and rates of this credit card and try to get information about the bank issuer of the credit card.
Since the requirements are so modest, it is very likely that the credit card is far from being cheap, or it is just a scam, so that you will be asked to pay beforehand and receive no card afterwards.
For Visa credit applications by reliable banks, see the corresponding section of our site.

User Name: Delores Fulton

Date: January 26, 2007, 9:13 pm

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.

User Name: Fernando Ccastaneda

Date: January 26, 2007, 9:18 pm

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.

User Name: holly moore

Date: January 27, 2007, 12:55 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

User Name: Duane Johnson

Date: January 27, 2007, 5:47 am

Can I get a credit card with out a bank or checking account?

In fact, it’s impossible to get a credit card without a bank. When you are going to have a credit card, you’d better open a checking account. You see, you have very little credibility with lenders if you don't have at least a checking account and preferably a savings account as well. Remember that a checking account is a service provided by financial institutions (banks, savings and loans, credit unions, etc.) which allows individuals and businesses to deposit money. So, on the one hand, most of the banks and credit card companies don’t allow customers to get a credit card without a checking account, as a checking account replaces the need for large amounts of cash to satisfy routine debts such as rent or mortgage payments, credit card bills and utility bills. Thus, before applying for the credit cards at
acclaimsecuredcards.com, please study thoroughly all the terms and conditions of the cards. On the other hand, there is bank in the USA that can give you a credit card without a checking account. This bank is Capital One. Be sure, it will give you $500 with almost any situation.

User Name: phillip cobb

Date: January 30, 2007, 3:57 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

User Name: Tammy Floyd

Date: February 1, 2007, 4:13 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

User Name: Steven

Date: February 5, 2007, 4:17 am

As a college student, I have a number of temporary addresses, where I had my bills sent while in school. However, my permanent address has not changed. Can I have the temporary addresses removed from my credit report?

Unfortunately, we cannot consult you on this question as our task is a different one, that is we tell you of the latest and best credit card applications online and help you to choose a credit card most appropriate for you. As to your problem, it is within the competence of your bank and the credit reporting bureau you cooperate with. So, if any problem arrives concerning any items contained in your credit report, you should contact the credit bureau and clear it out. If you live at your permanent adress now but still have your bills sent to temporary adresses and if you are not going to change your adress, call your bank and tell them of that.

Best,
Manager of Immediate Credit Card Care Service