August 4th, 2009 at 12:15am Under Best Credit Card
i want to apply for a credit card but i dont want to make a mistake, so can you guys please tell me which one would be best. thanks
By Finance Enquirer 9 comments
August 3rd, 2009 at 07:44pm Under Credti Debt
I had 4 credit cards that i got in college. I have paid off two and i have a balance of $4000 total on the other two. Both have already been submitted to collections in order to improve my credit score should i just pay off the full $4000 or go through a debt repayment program (like in charge) ?
By Finance Enquirer 2 comments
August 3rd, 2009 at 07:41pm Under Best Credit Card
I’m a newbie and I want to apply for a credit card.I don’t have any prior credit history.Can I apply for discover credit card or which one will be good for me.
By Finance Enquirer 8 comments
August 3rd, 2009 at 06:49pm Under Best Credit Card
I don’t need another credit card, although I want to book a cruise and the card might give me extra benefits. I don’t know much about it.
By Finance Enquirer 3 comments
August 3rd, 2009 at 06:14pm Under Best Credit Card
I’m in way over my head, as some would say. I owe a little over 5 grand on my primary credit card and the max is $5,300. I owe about $500 on another, and $400 for a traffic citation. What should I attack first? I have a little over $2,000 available. Thanks for your help.
By Finance Enquirer 12 comments
August 3rd, 2009 at 05:53pm Under Credit Line
Each year credit card companies spend hundreds of thousands of dollars to send out credit card offers to try to get you to apply for their particular card. It can be a little unsettling to try to choose the right one, with so many pre-approved offers. What can you do to make the decision easier? Should you just take the first reasonable offer and send in the application?
The best way to begin is to decide what you really need to use a credit card for. After you have made the decision on what purpose a credit card will serve for you, it would be a good idea to review all the card offers to find the one that fits your individual needs. What are some of the reasons to use a credit card?
Some people use a credit card in an emergency or to make a special purchase and they usually pay off the card balances. Most people, however, use their credit cards for all types of purchases and also to pay monthly bills. These cardholders will carry over balances month after month. Many cards have features and rewards that provide an incentive for the card holder to use the card for specific things so they will receive something in return. This can be a huge draw for most people, however it can be a source of irritation when you have to pay off the complete balance to earn the rewards.
If you know whether you will use your card on a regular basis or if you will just use it occasionally, will help you make a decision on which card best fits your purposes. If you consider each aspect of each card, the level of annual percentage rate (APR), the credit limit, and incentives (such as rebates, travel and rental insurance, and frequent flyer miles), you will understand which card is best for you.
The three types of credit cards offered by card companies are security, regular and premium card types. Each card has its own specific features, price, advantages and limitations.
Security cards have very small limits on their credit line, usually 200 to 300 dollars. They also usually require a security deposit to be paid by the customer, which will determine the limit on the credit line. Regular cards do not require a security deposit and they may offer some reward incentives. Regular credit cards are the most common type of card and come with higher credit lines than security cards do. The premium credit card is the top of the line card. It offers the higher credit line limit and the most incentive features and rewards. The premium card is known by the gold, platinum, and titanium designations.
If choosing a credit card is something you want to do, do not settle for the first offer you receive in the mail or read about while browsing the web. Keep in mind all the purposes this card will serve. Carefully check out all the features and incentives offered by several different card companies and compare them.
By Credit Info Add comment
August 3rd, 2009 at 12:49pm Under Best Credit Card
I owe roughly $15,000 (between two cards). I was young and immature when it came to money and now I have to pay the price. I tried to get a new credit card to consolidate both balances but I was told in an application that my credit score was lowered by too many enquiries over a period of time (big bummer) so I can’t get a new card. I almost went with Capitol One, thats how desperate I was. But alas I’m still stuck with these two high interest cards. They’re college cards that I got when I was 18 (24 now). I tried to get the companies to lower the interest rate but they gave me a song and dance about the rates being on perma-set rate. So i need advice/help bad. 
By Finance Enquirer 6 comments
August 3rd, 2009 at 12:15pm Under Best Credit Card
I would like to know which is the best credit card (in NSW Australia) to use to run a small business and still be able to get free flights with either Singapore, Thai air, etc (NOT Quantus airlines) and if possible buy house hold things such as PC, TV, etc.
If you can help much appreciated Thanks
By Finance Enquirer 3 comments
August 3rd, 2009 at 07:41am Under Best Credit Card
Tired of calling places for rates just want it in writing. Pricing per credit card charge, rates of credit cards, debit cards, and checks. Monthly rates and rental, lease, or to buy is the better way?
By Finance Enquirer 1 comment
August 3rd, 2009 at 06:50am Under Best Credit Card
i got a 730 credit score
i got offers for new cards
i want to transfer about 2k onto 1 card
alot of cards offering me low apr % but they dont give an exact number
do i have to apply for these cards just to see the %? doesnt mean i have the card right? dont want to commit, just want to see my apr %
By Finance Enquirer 3 comments