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Friday, December 23, 2005

Getting An International Credit Card

Guest: TK
Post subject: Getting An International Credit Card
Posted: Mon Dec 19, 2005 8:37 pm

... that has the Visa or Mastercard logo on it.

Just wondering if anyone here know's where we (a charity) can get one?

Ideally with minimal or no monthly fees?

Any helpful feedback is much appreciated.

Thanx in advance

Newbie from NZ


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Guest: davej
Post subject: Getting An International Credit Card
Posted: Tue Dec 20, 2005 5:30 am

What exactly do you mean by 'int'l'? That's acceptable overseas or issued overseas??? Well, needless to say all VISA's and MC's are accepted overseas. Discover's not however, and AmEx has limited acceptance. Anyway, if you need an NZ-issued card, I'd go to visa.com and pick NZ as your country and see what's available there...
I use my US-issued cards overseas, and most of the time they work (so far only one merchant couldn't process my 'foreign' cards). There are also foreign currency conversion fees (1% min).
If you're looking for a US card, you'll need a social security # and a tax ID for your business.. So I guess your best bet would be a local Visa- or MC-logoed card, which is also international.

Guest: TK
Post subject: Getting An International Credit Card
Posted: Tue Dec 20, 2005 5:53 am

davej wrote:
What exactly do you mean by 'int'l'? That's acceptable overseas or issued overseas???

Any debit or credit card that has the visa or mc logo & that doesn't cost the earth.

davej wrote:
if you need an NZ-issued card, I'd go to visa.com and pick NZ as your country and see what's available there...

Yes well aware of that. Coz of past credit problems the trading banks here, won't even let me open a personal savings a/c. Dumb thing is tho is that 2 of them have given me credit cards.

davej wrote:
I use my US-issued cards overseas, and most of the time they work If you're looking for a US card, you'll need a social security # and a tax ID for your business..

Yeah I know Credit cards from what I've gleaned on the web are pretty easy to get if you're a US citizen or resident.

Citibank and American Express Credit Card Joint Offer

beyond platinum
Credit Expert (100+ Posts)
Post subject: Citibank and American Express Credit Card Joint Offer
Posted: Wed Dec 21, 2005 3:27 am

Citibank and Amex have decided to cohabitate and on January 15th you will be able to apply for a Citibank reward's card under the Amex brand. Looks like their only offering this on 5 of their top cards and their combining benefits.
http://www.citibank.com/us/cards/gen-content/news-release.htm
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Guest: shooter
Post subject: Citibank and American Express Credit Card Joint Offer
Posted: Wed Dec 21, 2005 3:46 am

Wonder how (or if) this will affect those of us carrying the Visa or Mastercard version of these products.

Guest: shooter
Post subject: Citibank and American Express Credit Card Joint Offer
Posted: Wed Dec 21, 2005 4:11 am

I'm not sure I'm wild about the idea simply because not everyone accepts Amex. It probably wouldn't be a huge problem but with a cash back card I want to be able to use it anywhere I go.

Capital One Image Credit Card

Guest: beyond platinum
Credit Expert (100+ Posts)
Post subject: Capital One Image Credit Card
Posted: Mon Nov 21, 2005 3:55 am

Now Capital One has a website that allows cardholders to upload pictures to their site and permit you to add a photo/digital image to your existing card. It is similar to Bank of America's Photo Expressions card.
http://capitaloneimagecard.com


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Guest: Board Monitor
Board Monitor/ Administrator
Post subject: Capital One Image Credit Card
Posted: Mon Nov 21, 2005 10:56 am

Neat! Thanks for the post...
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Guest: scarymary
Credit Expert (100+ Posts)
Post subject: Capital One Image Credit Card
Posted: Mon Nov 21, 2005 11:07 am

I just tried it and it told me that my Image ID # was invalid although I entered it exactly as instructed... twice.

It says it works with Visa accounts.

It does say that Visa Pro and Signature accounts are not eligible... I have a Platinum Card, not a regular Visa account with them... maybe that's why.

Guest: AdmiralBoom
Post subject: Capital One Image Credit Card
Posted: Tue Nov 22, 2005 1:15 pm

I have three Cap one cards: Gold (which they converted to Platinum), Regular Platinum, and Platinum Primelock.

The only one it worked with was Regular Platinum.

Guest: mannella
Post subject: Capital One Image Credit Card
Posted: Tue Nov 22, 2005 2:09 pm

It worked nice for me, I really liked this feature. Thanks for the link

Guest: Board Monitor
Board Monitor/ Administrator
Post subject: Capital One Image Credit Card
Posted: Wed Nov 23, 2005 12:46 pm

AdmiralBoom,

Good to see you around! Love your avatar.
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Board Monitor
http://www.cardratings.com
(501) 663-0314

Instant Approval for Credit Cards

Guest: krazysurfer
Post subject: Instant Approval for Credit Cards
Posted: Mon Dec 19, 2005 7:47 pm

I was just wondering, how many of you get approved instantly when applying for credit online?. Most of the time when I apply they will say " we will let you know by mail" but still get approved when the letter comes. Is there some type of system they have for instant approval?. I was just wondering because I find that weird that I never get an instant approval.


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Guest: mouse
SENIOR MEMBER (Member for 2 yrs.+)
Post subject: Instant Approval for Credit Cards
Posted: Mon Dec 19, 2005 8:06 pm

krazysurfer wrote:
I was just wondering, how many of you get approved instantly when applying for credit online?. Most of the time when I apply they will say " we will let you know by mail" but still get approved when the letter comes. Is there some type of system they have for instant approval?. I was just wondering because I find that weird that I never get an instant approval.

AMEX like 4 or 5 times this year

Guest: eitan
Post subject: Instant Approval for Credit Cards
Posted: Tue Dec 20, 2005 2:14 pm

Citi twice
Amex twice

Guest: QikPass
Credit Expert (100+ Posts)
Post subject: Instant Approval for Credit Cards
Posted: Tue Dec 20, 2005 3:32 pm

Chase - 1 instant, 1 credit analyst callback questionare then approval
Capital One - Instant
AMEX - No Instant, but approved next day
MBNA - No Instant, approved next day
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Guest: Daniel
Credit Expert (100+ Posts)
Post subject: Instant Approval for Credit Cards
Posted: Tue Dec 20, 2005 7:37 pm

Sometimes yes
Sometimes no

Guest: scarymary
Credit Expert (100+ Posts)
Post subject: Instant Approval for Credit Cards
Posted: Tue Dec 20, 2005 7:57 pm

Never... not even once...

But can't complain... Citi... next day.

Approval for Citi Credit Cards

Guest: lawyer2be371
Credit Expert (100+ Posts)
Post subject: Approval for Citi Credit Cards
Posted: Wed Dec 21, 2005 11:52 am

I applied for the Citi-Platinum Select Master Card account, and I was declined.
Here was the reason, we regret we are unable to approve an account for you at this time because of the following:
A delinquent credit obligation, either paid or unpaid, was recorded on your credit bureau report.

I applied the last week of November my score around 650, today its 675, Transunion
My mortgage was put on my credit reports in the beginning of December, and long behold I get an application in the mail at the house I bought, for the Citi-Premier Pass Card, I'm thinking since I recieved the offer will I have a greater chance of approval....now, that my mortgage is reporting, and I have recieved an offer. As well once my mortgage was placed on my report my score went up not down, maybe because the mortgage was opened in August, so it had a small payment history..What scores will one need to get this card..................


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Guest: fire3000
Post subject: Approval for Citi Credit Cards
Posted: Wed Dec 21, 2005 12:59 pm

Citi desires only low risk card customers. With that deliquency still on your report, they will probably decline again even if your score rose (they do not approve applications based only on a FICO score). A steady well paying employment is also a big plus. Call the customer rep listed on the application and ask for a low limit or a secured card. They may transfer you to a credit analyst to whom you can explain your situation to in detail. Once you get their card (it is one of the best for cash back rewards) they will increase your limit in only six months if you maintain a perfect credit history from now on. Also try to get the other creditor to remove the deliquency if that is possible.

Guest: maddybeagle
Credit Expert (100+ Posts)
Post subject: Approval for Citi Credit Cards
Posted: Wed Dec 21, 2005 1:39 pm

I agree, why dont you try to get the delinquency removed. Many have had good luck with that. I wouldnt waste another credit pull if you know they dont like your credit profile.

Guest: lawyer2be371
Credit Expert (100+ Posts)
Post subject: Approval for Citi Credit Cards
Posted: Wed Dec 21, 2005 8:02 pm

When I applied in November, I had 6 negative items on my credit reoprt

1. A satisfied judgment from 2002
2. MBNA- paid charged off from 98
3. DISCOVER- paid charged off from 99
4. ASSOCIATES- paid charged off from 99
5. MBNA- paid charged off from 99
6. medical collection-paid from 2001
7. calvarly collection-paid 02( original debt from 99)
8. asset acceptance collection paid 02 (original debt 99)

And I have 16 positive accounts. Now 18, now that my mortgage is reporting

I disputed number 2, 4, as obosolete and they were deleted in this was after I had applied. for the card. deleted in two days.

Today, I disputed
3,5,7, 8, as obsolete, to see if they will be deleted, I will cross my fingers and hope for the best.

According to Transunion report, by September of next year, everything is do to come off, except
1.the judgement (12/2009)
2.the medical bill (8/2008)
3. and the mbna account,(2/2007)
So I will continue to dispute, and hopefully they will fall off by September, and I will apply then......If not I will wait until 2007

Guest: scarymary
Credit Expert (100+ Posts)
Post subject: Approval for Citi Credit Cards
Posted: Wed Dec 21, 2005 8:38 pm

I applied cold for Citi Dividend PS and was denied due to lates not quite 2 years old (they were older BUT that's another post...grrrr....). Two weeks later received a pre-approval in the mail. I was sweating and my heart throbbing as I applied online... entered my pre-approval #.... clicked SUBMIT...

"We'll notify you in 7-10 days blah blah blah..."

Imagine my surprise when I got the cards in the mail 5 DAYS LATER with a $7700 CL!!!!!!

Credit Cards for Churches

Guest: Karl G
Post subject: Credit Cards for Churches
Posted: Thu Dec 22, 2005 7:05 am

Our church is looking to get a credit card. We want to have cards that users are personally responsible for, but yet the church is the sponsoring organization so that we can get tax free status for purchases. Any recommendations


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Guest: Alexis Rios
Credit Expert (100+ Posts)
Post subject: Credit Cards for Churches
Posted: Thu Dec 22, 2005 7:16 pm

I think that for churches . you may apply for a business credit card. Check for those which have cash rebate . American Express , Citibank & others could work.

The business name , you'll put the church's name.