Answers from Credit Card Experts

I live in Souihh Africa and would like to apply for a credit card but I have no credit left.Can you help me and how long does approval take?I want to buy Christmas presents

To make it clear, all the credit cards displayed on our web site target legal U.S., U.K., Canadian, and Belgian residents. As such, you can apply for these cards only with your valid U.S., U.K., Canadian and Belgian SSN. As for the cards, we do offer credit cards for no credit. When you apply online, it can take up to 30 days to process an application. If you are approved, your new credit card will arrive in the mail in about 7 to 10 business days. If you are turned down, your credit card issuer will notify you in writing. If you want to get a response on your credit card application in just 60 seconds, pay your attention to instant decision credit cards.

I am having troubl getting a credit card unsecured. I just went back to school and I recieve $3900 every quarter but I dont have a job. what should I do?

According to the new credit card rules banks and credit card companies are not allowed to issue credit cards to young people under 21 unless they show proof of their sufficient income or have a co-signer, say a parent. As for the credit cards you may be eligible for, consider student credit cards.

starting a business and have bad credit, and need a business card!

Please click here and consider the best small business credit cards from the most reputable U.S. banks and credit card companies. Hope you’ll find the right credit card to apply online for. Remember the possibility of attracting a co-signer!

I NEED TO CLOSE MY ACCOUNT.

To close your credit card account, please contact your credit card issuer.

Looking for a credit card with a long Balance transfer 15Months + with interest below 7%

View the balance transfer credit cards we have on offer, compare these card offers side by side and make your choice. Hope you’ll find the credit card you’ve been looking for.

What is the appropriate (lowest) rate which would be offered to a customer having an excellent FICO score, that of 750 or greater?

It depends on a credit card issuer. A common practice is the better your credit and creditworthiness the lower your credit card rate.

Looking for a credit card with a long Balance transfer 15Months + with interest below 7%

Take a closer look at our balance transfer credit cards we have on offer, compare their features and decide on a credit card to apply online for.

What is the appropriate (lowest) rate which would be offered to a customer having an excellent FICO score, that of 750 or greater?

You can take a closer look at the excellent credit cards we have on offer, compare their features, say, rates, and find it out. But believe you us that the better your credit is, the lower interest rate on your credit card will be compared to less than perfect credit cards. And don't forget that it is your credit card issuer to decide what your credit card rate will be.

How long do credit inquiries stay on my credit report?

Every time you apply for a credit card you authorize your credit card issuer to pull your credit report and your credit card issuer does so, it inquires your credit report. Such inquiries are called hard compared to soft ones which are made when you check your credit report or when a bank or a credit card company pulls your credit report to send you preapproved credit card offers. All the hard inquiries are shown up on your credit report and stay there for about two years. They impact your credit for 6 to 12 months only but that is something to worry about. The more credit card inquiries within a short period of time the worse. It is all about credit risk.

is it expensive to pay utility bills by convenience checks

It is expensive, actually. Credit card companies consider credit card convenience checks to be cash advance. Interest rate associated with this type of check is usually quite high. Interest starts to accrue immediately as soon as the check is used since there is no grace period. There are also some fees involved.