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Credit Card for College Student Without a Job
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Posted: Thu Jan 13, 2005 2:09 pm
Post subject: Credit Card for College Student Without a Job esther Date: 6/19/2000 8:53 pm CDT I am 18 years old about to turn 19 and i want to start buiding credit. I received a citibank mastercard that i did not activate because i wasn't sure about it but i applyed for a discover because i've heard good things about it....anyway, i've never really been on my own as far as financial or any real tpye of responsibility, i work on campus and go to school full time i don't want to get tied down in debt, i don't pay for tution as yet so i guess i'm just askin for a little guidance from the credit card vets here....thanx esther
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Does Aspire Credit Card Report to Credit Bureaus?
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Posted: Thu Jan 13, 2005 2:06 pm
Post subject: Does Aspire Credit Card Report to Credit Bureaus? Jon Donavan Date: 6/21/2000 3:48 pm CDT I read on a message board that Aspire Visa doesn' t report to the credit reporting agencys. Is that true?
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Posted: Thu Jan 13, 2005 2:06 pm
Post subject: Does Aspire Credit Card Report to Credit Bureaus? Board Monitor Date: 6/21/2000 4:01 pm CDT Jon, Thanks for your inquiry! We called to verify this and this is true...at least for the most part. Aspire only reports to the bureaus when you open an account with them and, thereafter, they only report if you are deliquent. They do not report monthly ontime payments to the bureaus. Needless to say, we are lowering our rating of the Aspire card immediately. Thanks for bringing this to our attention! Regards, Jackie Hughes Board Monitor CardRatings.org
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Posted: Thu Jan 13, 2005 2:07 pm
Post subject: Does Aspire Credit Card Report to Credit Bureaus? Eugene Skorodinsky Date: 6/23/2000 7:20 am CDT Board Monitor wrote: ------------------------------- > Aspire only reports to the bureaus when you open an > account with them and, [...] My account with them is not reported at all. > Needless to say, we are lowering our rating of the Aspire > card immediately. Well, in most cases not reporting is bad, I guess. But for people who want to have more total available credit from different banks than they can qualify for, it is good (or at least those people might consider this good). They can just get Aspire card (it is pretty easy to get, by the way), and no one else will see that credit line on their report
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Which Credit Card is the Easiest to Get?
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Posted: Thu Jan 13, 2005 2:05 pm
Post subject: Which Credit Card is the Easiest to Get? tom Date: 6/21/2000 5:44 pm CDT I plan to apply one of the following cards ;fleet ,discover and FUSA e-card,can anyone tell me which card is easy to get ? thanks.
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Posted: Thu Jan 13, 2005 2:05 pm
Post subject: Which Credit Card is the Easiest to Get? Board Monitor Date: 6/22/2000 4:17 pm CDT Tom, Thanks for your post! I would say, out of the three you listed, that Discover would be the "easiest to acquire" for the following reasons. 1) Discover offers a classic and a platinum card. 2) The E-Card by FirstUSA is a platinum card and, thus, is more selective. 3) Currently, Fleet is revamping their card offerings (see their web page at www.fleet.com) , and the only card that I am aware that they are offering is a standard platinum card (at least according to their web site). When you compare the three, obviously the Discover classic card would be the easiest to obtain. See our definition of platinum, gold, and classic cards if you do not understand the differences between these types of cards. You can find these definitions at the following web address: http:// www.cardratings.org/rankings.html Hope this helps! Regards, Jackie Hughes Board Monitor CardRatings.org
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
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Posted: Thu Jan 13, 2005 2:05 pm
Post subject: Which Credit Card is the Easiest to Get? Sherlynn S. Pitts Date: 7/19/2000 1:53 pm CDT I applied for an Aspire card several months ago, how do I find out the status of the application? I did it through the mail not on the Internet.
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Posted: Thu Jan 13, 2005 2:06 pm
Post subject: Which Credit Card is the Easiest to Get? Board Monitor - CA Date: 7/20/2000 1:42 am CDT Sherlynn, I would give them a call at 1-800-348-8783. You can also visit their website at... http:// www.aspirecard.com If you are declined, you should be mailed a letter that explains why you were declined within 30 days of their decision. Hope this helps! Regards, Curtis Arnold Founder/PR Director CardRatings.org
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Online Credit Card Calculator
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Posted: Thu Jan 13, 2005 2:04 pm
Post subject: Online Credit Card Calculator W Hyde Date: 6/21/2000 6:23 pm CDT From your web page http:// www.cardratings.org/creditreport.html I attempted to link to FreeCreditAnalyzer's online calculator. My browser says "A connection with the server cannot be established". Has something changed? How do I link to them or other credit analyzer's?
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
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Posted: Thu Jan 13, 2005 2:04 pm
Post subject: Online Credit Card Calculator Board Monitor Date: 6/22/2000 11:24 am CDT The link appear to be working now. Please try again. I suppose their site was temporarily down. Regards, Jackie Hughes Board Monitor CardRatings.org
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Credit Card Accounts that Don't Show Closed on Credit Report
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Posted: Thu Jan 13, 2005 2:03 pm
Post subject: Credit Card Accounts that Don't Show Closed on Credit Report W Hyde Date: 6/22/2000 2:08 pm CDT Background: I am trying to do my homework BEFORE applying for a new credit card. I have read several articles saying to improve your credit score, close accounts that you are no longer using and to check what is presently being reported by the Credit Reporting Agencies (CRAs). When I got my credit report I noted that it contained some old credit accounts [both credit card and store cards] that are either 'closed' or inactive for several years. Some accounts on the report correctly show the accounts closed. Others do not. For those that do not, I started contacting the Creditors to inquire about the closed accounts. Of the first two I tried, both had an auto answer system that asked for the account number. Both could not access the account [would think that means it's closed]. Both fortunately had a means to get around that [rotary phone] to get to a person. Creditor number one was a store that was bought out by another chain [and apparently the chain sold the account to someone else]. The rep said that the account was 'closed' and that there was nothing they could do to get it changed at the CRA to show that it really is closed. She said I would have to file a dispute to my credit report with the CRA, the CRA would contact the store creditor and then and only then the account would be 'purged'. This seems backwards to me: they should be accurately reporting it to CRA. Their required method is requiring extra work by me and the CRAs to fix the Creditors problem on incorrectly reported information. I would think the CRAs would have the muscle to force creditors to fix their computer reporting to show accounts closed by creditors. Creditor number two was a store that the account had not been used over a long period of time. When a store purchase was attempted about two years ago, was told the old account was closed and they would reissue a new card [with a different account number], which they did. Both accounts are showing on the credit report. The rep said that the old account was closed because it was inactive for a period of time. She called this type of auto closure a 'stubbed account'. She like creditor number one said there was nothing they could do to report to the CRA that the account was closed. Observations: I have seen recommendations to handle one 'incorrect' item in your credit report at a time with the CRA. If I follow the recommended step-by-step credit repair, directing my 'disputes' to the CRA, I could anticipate it taking a year or more to clear out accounts that are 'closed' by disputing them one by one. I seem to recall there are differences between what I would call 'closed' and what the credit industry calls 'closed', but I can't find particulars. Questions: Is my logic being overtaken by legal? I would think the creditors should be reporting correct information to CRAs. If not, are creditors required by federal/state law to report correctly that an account is closed/purged/whatever to the CRAs? Does anyone have the law(s) citation? Does anyone know of a proven procedure to contact creditors to force them to accurately report information to CRAs? Am I correct in understanding that any account that is inactive for over seven years, the CRAs are not to supply information to others? On my report above the first account that was last reported 09/1992 it says "THE FOLLOWING ITEM IS SUPPRESSED PENDING CREDIT GRANTOR UPDATE:". Note 'ITEM' is singular. The next account below this one shows updated 03/1991, but no mention about suppression.
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Posted: Thu Jan 13, 2005 2:03 pm
Post subject: Credit Card Accounts that Don't Show Closed on Credit Report Board Monitor Date: 6/23/2000 4:48 pm CDT Dear W Hyde, First of all, let me say that I (nor any other CFCCT member for that matter) am not an expert when it comes to credit reports. Having given this disclaimer, your situation sounds typical. The process of removing closed/inactive accounts is a tedious one and often consumers find themselves caught in the middle of a "tug of war" of sorts between creditors and the CRAs. It would definitely appear, at least on the surface, that the creditor(s) would be to blame for your situation, though you may never be able to prove this. At any rate, it is best to follow the "proper channels" and dispute the items with the CRAs. Granted, this process can be lengthy and time consuming, but if you really want the items removed, it is the action plan that I would suggest. While you are correct in your assertion that closing inactive accounts can help your credit rating (see our "Free Credit Report" page for more info.), not all credit card issuers put much weight on inactive accounts...especially if there is only one or two that haven't had activity in several years. To safeguard against any potential negative outcomes during your application process, you might want to write a brief explanation of your situation on your credit card application. Hope this helps! Regards, Jackie Hughes Board Monitor CardRatings.org
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Should I Pay Off Mortgage With Credit Cards
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Posted: Thu Jan 13, 2005 2:02 pm
Post subject: Should I Pay Off Mortgage With Credit Cards susan a. Date: 6/23/2000 2:09 am CDT What are pros/cons of paying off small mortgage balance at 8.25% by doing a balance transfer at low teaser rate and then transferring to another low teaser rate at end of introductory period? It seems that if I still made the same monthly payment (not just the credit card's required minimum) to the credit card, I'd save a lot of interest with the current 2.9% intro rates.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
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Posted: Thu Jan 13, 2005 2:02 pm
Post subject: Should I Pay Off Mortgage With Credit Cards Board Monitor Date: 6/23/2000 3:32 pm CDT Susan, I think your assessment is accurate, though your actual interest savings would of course depend on the balance of your mortgage and length of time require to pay off your balance. Also, you should avoid multiple balance transfers within a brief period of time. This could affect your credit rating (see our "Credit Report" page at http://www.cardratings.org/creditreport.html for more info.). One or two transfers should not hurt you though. Good luck and I hope this helps! Regards, Jackie Hughes Board Monitor CardRatings.org
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Posted: Thu Jan 13, 2005 2:02 pm
Post subject: Should I Pay Off Mortgage With Credit Cards cardrevolt.com Date: 6/27/2000 3:12 am CDT You'll defiantly hurt your credit rating a great deal by transferring balances around multiple times. Issuer's have ways of detecting how many times you've transferred that balance around, and will *not* set you at a low intro rate if they know your just going to send it somewhere else once the teaser rate expires. The pro is that you'll save a small fortune in interest, and if you're already happy with the rates your getting, or you have a very positive past history (8.75% isn't too bad for a mortgage rate) then you won't have too many worries. Just don't say I didn't warn you! Good Luck! CardRevolt.Com Staff Member http://www.cardrevolt.com
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
How to Establish a Credit History
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Posted: Thu Jan 13, 2005 2:00 pm
Post subject: How to Establish a Credit History cardless Date: 6/23/2000 11:47 am CDT What is the best (cheapest) option for someone without a credit history - as opposed to a bad one? Considering my only 'vice' is not getting into debt, I'd hate to have to pay for the privilege of getting a secured card, or even a regular one. I don't care if the credit limit starts at $100! I just need to start somewhere. Let's say I obtained a card with a co-applicant with a good credit history, and this would show up on my credit report after a while. 1) Would this be judged any differently than having a card all by myself? 2) If so, would it still increase my chances of getting a card on my own? 3) After a certain period, might the credit card company be willing to 'remove' the co-applicant from the account? Thanks for any and all replies!
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
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Posted: Thu Jan 13, 2005 2:01 pm
Post subject: How to Establish a Credit History Board Monitor Date: 6/23/2000 4:14 pm CDT Dear Cardless, Generally speaking, most issuers will extend an unsecured card to individuals that are lacking a credit history, though don't expect a large credit line. Also, don't expect to obtain a favorable interest rate. You are definitely in a better situation, though, than someone who has a poor credit history. If you happen to be a student, check out our "Student Credit" section. If you don't have any luck getting an unsecured card, a secured card is not a bad alternative. Secured cards don't actually cost any more than an unsecured card because your deposit is refundable and you can even earn interest on your deposit. Morevoer, many secured cards will allow you to obtain an unsecured card after 6 months to one year of responsible card usage. For our ratings of secured cards, please see our "Poor Credit" page. The co-applicant idea is not a bad one...especially if you would like to obtain a higher credit line/more favorable card terms. This would also help you "build your credit history/rating". Hope this helps! Regards, Jackie Hughes Baord Monitor CardRatings.org
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Business Credit Cards that Earn Airline Miles
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Posted: Thu Jan 13, 2005 2:00 pm
Post subject: Business Credit Cards that Earn Airline MilesJimmy Freeman Date: 6/23/2000 3:01 pm CDT I have a small company. I fly people every day. WHat kind of credit card can i get to collect the flight miles that my people fly. I would like to get the airline milage..
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
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Posted: Thu Jan 13, 2005 2:00 pm
Post subject: Business Credit Cards that Earn Airline Miles Board Monitor Date: 6/23/2000 3:03 pm CDT Jimmy, If you haven't done so, please visit our "Corporate Cards" page at the following web address: http:// www.cardratings.org/corporate.html Most major airlines offer corporate credit cards that allow you to earn airline miles. The advantage of the Diner's Club card and the AA card (described on our "Corporate Cards" page) is that both cards allow you to apply your miles to the airline of your choice. Hope this helps! Regards, Jackie Hughes Board Monitor CardRatings.org
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Discover Credit Card Charge Off Advice
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Posted: Thu Jan 13, 2005 1:59 pm
Post subject: Discover Credit Card Charge Off AdviceTommyC Date: 6/24/2000 4:53 am CDT Hi Everyone, About a year ago, I was involved in an accident and was out of work for about 6 months and unable to pay my creditors and it ruined my credit rating. I negotiated with most of them and even though I am in the process of trying to rebuild my credit now, I have a question regarding charge offs. I have a charge off with Discovery Card on my Experian Credit Report that is posted since June 2000 and is due to drop off in June 2007. My question is, is there any benefit to me or my credit report to pay the charge off of $3700.00 ($1600.00 of actual charges and the remaining amount accumulated interests and penalities) with Discovery or just wait out the seven years? Thanks in advance to all who reply. TommyC
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
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Posted: Thu Jan 13, 2005 1:59 pm
Post subject: Discover Credit Card Charge Off Advice dave Date: 6/26/2000 1:54 pm CDT a paid collection account is better than an unpaid one. Can you wait 7 years for this item to be removed? you might ask discover card to remove it in exchange for payment. you have nothing to lose.
Will Paying Off Credit Card Balances Improve Credit Rating
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Posted: Thu Jan 13, 2005 1:56 pm
Post subject: Will Paying Off Credit Card Balances Improve Credit Rating Joan Brakensiek Date: 6/26/2000 7:18 pm CDT I have carried a fairly large balance for about five years now and hope to pay them off completely this month. I plan on getting a low rate card for emergencies only after this. Will the credit card companies "give me credit" for doing this on my credit rating, and will this make a low rate card easy to get? My rating isn't bad I'm just wondering.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
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Posted: Thu Jan 13, 2005 1:57 pm
Post subject: Will Paying Off Credit Card Balances Improve Credit Rating Board Monitor Date: 6/26/2000 7:31 pm CDT Joan, Thanks for your recent inquiry! Sorry, it has taken so long to get back to you...we have had problems with our e-mail service. First of all, let me say that we are not experts on credit rating/scoring. This is a very complex subject (see our "CreditReport" page for more info. at... http:// www.cardratings.org/creditreport.html At any rate, based on what I know about this topic, I do not believe that "paying off a large balance" will help your rating. I would suggest, though, that you close the account after you pay off the balance if you don't plan on using this card again (this can affect your credit rating). Regards, Jackie Hughes Board Monitor CardRatings.org
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
British Credit Cards
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Posted: Thu Jan 13, 2005 1:54 pm
Post subject: British Credit Cards Jill Sutter Date: 6/26/2000 11:15 pm CDT I am very impressed with your site it is packed with info good advice. But it is all usa based do you have a English site or do you know of an equivalent site here in England.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
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Posted: Thu Jan 13, 2005 1:54 pm
Post subject: British Credit Cards Board Monitor Date: 6/26/2000 11:25 pm CDT Jill, Thanks for your inquiry! Unfortunately we do not rate British cards at present. We hope to eventually expand our card offerings, but we have nothing definite in the works as of yet. Good luck. Regards, Jackie Hughes Board Monitor CardRatings.org
Credit Card for Teenager Trying to Establish Credit
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Posted: Thu Jan 13, 2005 1:52 pm
Post subject: Credit Card for Teenager Trying to Establish Credit Patty Owens Date: 6/26/2000 11:27 pm CDT I,am looking to start applying for my credit cards soon, Im 18 yr. of age, Im employed and I have never had any credit. I want the lowest rates I can get, but at the same time I want the best benefits. I would appeciate any advice you have to give me!
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
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Posted: Thu Jan 13, 2005 1:53 pm
Post subject: Credit Card for Teenager Trying to Establish Credit Board Monitor Date: 6/26/2000 11:46 pm CDT Patty, Thanks for your inquiry! I would suggest that you "check out" our "Student Credit" section if you haven't already. The web address for this section of our site is... http:// www.cardratings.org/student.html Obtaining a credit card should not be difficult at your age (credit card issuers spend millions of dollars each year marketing cards to young adults), but it will be difficult to find one with many benefits. Cards with benefits are generally only available to consumers with an established credit history. Goodluck and let me know if we can be of any further help! Regards, Jackie Hughes Board Monitor CardRatings.org
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Canadian Credit Card Websites
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Posted: Thu Jan 13, 2005 1:49 pm
Post subject: Canadian Credit Card Websites Jim Tygerd Date: 6/27/2000 0:14 am CDT You have a very good site. Unfortuneately, it appears to lack any canadian content.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
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Posted: Thu Jan 13, 2005 1:50 pm
Post subject: Canadian Credit Card Websites Board Monitor Date: 6/27/2000 0:24 am CDT Jim, Thanks for your inquiry! You are correct...we do not currently rate Canadian cards. However, you may find the following two sites to be of benefit. http:// strategis.ic.gc.ca/SSG/ca00569e.html http:// www.imoney.com/timely/rates/credit%255Fcard.html Hope this helps! Regards, Jackie Hughes Board Monitor CardRatings.org
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Posted: Thu Jan 13, 2005 1:50 pm
Post subject:Canadian Credit Card Websites Victor Nevada Date: 6/29/2000 10:13 am CDT Santa School is looking for some credit card company to provide credit on line to buyers of our goods.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
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Posted: Thu Jan 13, 2005 1:50 pm
Post subject: Canadian Credit Card Websites Board Monitor - CA Date: 7/3/2000 1:30 am CDT Victor, Thanks for your recent post on our board! You may want to try posting your message on the banking forum/message board at http://www.banksite.com. You may also want to visit http://www.ccm.faulknergray.com. This site is a great resource for merchants seeking credit card information/resources. Unfortunately, our site is geared more to consumers. I hope this helps. Good luck! Regards, Curtis Arnold Founder/Marketing Dir. CardRatings.org
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Lowest Balance Transfer Fees On Credit Cards
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Posted: Thu Jan 13, 2005 1:48 pm
Post subject: Lowest Balance Transfer Fees On Credit Cards Curtis Vomard Date: 6/29/2000 11:31 am CDT To Whom It May Concern: I very much appreciate the services provided by this website and have a question. I am interested in the best balance transfer offer and over the past two days it seemed as if the best for at least the next few months would be the Aria 0%. I still, however, come up short in verifying that there is or isn't any TRANSACTION FEE associated with balance transfers? Your narrative about the offer doesn't state whether or not there is one like there is for the Wingspan.com / GOMEZ $75 offer (a whopping 3% ) which totally reshapes the offer. Please confirm whether or not there is a transaction fee associated with the ARIA 0% Platinum offer!
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
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Posted: Thu Jan 13, 2005 1:49 pm
Post subject: Lowest Balance Transfer Fees On Credit Cards Board Monitor Date: 6/29/2000 12:09 am CDT Thanks so much for your recent inquiry! I really appreciate you bringing the Wingspan transfer fee to our attention! We just posted this offer yesterday and for some reason forgot to include this warning. This is still a great offer, though, because the maximum charge for the transfer fee is $35 (the minimum is $5). While you are correct that the transfer fee is based on a 3% fee rate, you will not be charged more than $35. For instance, is you transferred $5,000, 3% X $5,000 equals $150....however, you would only be charged $35. As for Aria, we have been advertising this offer for a while and have never heard of a fee. Moreover, I called today to verify this on your behalf (spoke to customer service rep.). Aria's transfer offer, though, does have some IMPORTANT terms that you should be aware of though. You can read these terms on the following page on our site, if you haven't done so yet... http:// www.cardratings.org/aria.html Hope this helps! Regards, Jackie Hughes Board Monitor CardRatings.org
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
What Credit Card Companies Charge Annual Fees
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Posted: Thu Jan 13, 2005 1:46 pm
Post subject: What Credit Card Companies Charge Annual Fees Jon Freedman Date: 6/29/2000 2:58 pm CDT Can you tell me what percentage of credit card companies charge an annual fee for their cards, and what is the average fee of those that charge? Thank you in advance for any help you can give me.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
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Posted: Thu Jan 13, 2005 1:48 pm
Post subject: What Credit Card Companies Charge Annual Fees Board Monitor Date: 6/29/2000 3:00 pm CDT Thanks so much for your recent inquiry! Unfortunately, we do not have this type of data in house. There are a couple of sites that I think may be able to help, though. They are... http:// www.ccm.faulknergray.com http:// www.cardweb.com These sites covery industry trends much more than we do and both have search features. Hope this helps! Regards, Jackie Hughes Board Monitor CardRatings.org
0% Canadian Credit Card Offers
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Posted: Thu Jan 13, 2005 1:42 pm
Post subject: 0% Canadian Credit Card Offers Jinny Jones Date: 6/29/2000 4:55 pm CDT my household has income > 120k and no debt looking for a high credit limit(30-50k) card with good % rate for cash advances and no penalties for ca Please let me know if there is such a thing
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
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Posted: Thu Jan 13, 2005 1:43 pm
Post subject: 0% Canadian Credit Card Offers Board Monitor Date: 6/29/2000 5:03 pm CDT Jinny, Unfortunately, we do not currently list/rate Canadian cards. We are hoping to in the future. In the mean time...please you may find what you're looking for at the following two sites... http:// strategis.ic.gc.ca/SSG/ca00569e.html http:// www.imoney.com/timely/rates/credit%255Fcard.html Hope this helps and good luck! Regards, Jackie Hughes Board Monitor CardRatings.org
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Low Rate Student Credit Card
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Posted: Thu Jan 13, 2005 1:41 pm
Post subject: Low Rate Student Credit Card Gary Rodgers Date: 6/29/2000 5:12 pm CDT I am a student looking for a no annual rate, low interest(under 10%) Credit card. What is the best one?
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
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Posted: Thu Jan 13, 2005 1:42 pm
Post subject: Low Rate Student Credit Card Board Monitor Date: 6/29/2000 5:14 pm CDT Gary, Thanks for your recent inquiry! If you have not already, please see our "Student Credit" section for a comprehensive list of student related credit cards. The web address is.. http:// www.cardratings.org/student.html If you are a student with no/limited credit history, it will be very difficult for you to get a rate below 10%. However, there are many student cards that have no annual fee. Hope this helps and good luck! Regards, Jackie Hughes Board Monitor CardRatings.org
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Capital One Visa Review
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Posted: Thu Jan 13, 2005 1:59 am
Post subject: Capital One Visa Review Jack N. Date: 7/1/2000 4:53 pm CDT Hi, You have an advertisement for the Capital One Visa card on your home page that says: "Site sponsor. Our top rated platinum card! 0% for 6 months! Instant approval! No fee! " This is wrong - they do not offer a 0% intro rate! It's only a fixed 9.9% APR - from the beginning. Best regards,
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
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Posted: Thu Jan 13, 2005 2:00 am
Post subject: Capital One Visa Review Board Monitor Date: 7/2/2000 2:08 am CDT Jack, Thanks so much for your "heads up". We just posted that ad today and posted the wrong ad by mistake! The correct ad, that is linked to the 0% intro. offer, is now online on our home page. This offer is for a limited time. So sorry for the confusion. Regards, Curtis Arnold Founder/Marketing Dir. CardRatings.org
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Posted: Thu Jan 13, 2005 2:00 am
Post subject: Capital One Visa Review Jack N. Date: 7/3/2000 6:20 pm CDT Hi Curtis, Thanks for your post, but below the banner it says - "0% for 6 months!" When you click, it says the intro rate is only good until August,2000???? Which is correct????
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Posted: Thu Jan 13, 2005 2:00 am
Post subject: Capital One Visa Review Board Monitor - CA Date: 7/5/2000 2:22 pm CDT Jack, You are very observant! To be honest, we totally overlooked the fine print...stating that the 0% intro. rate ended at the end of August. I called a customer service rep. on July 4th and they indicated that indeed this was the case. The offer apparently went into effect back around March of this year and, at the time, it was a six month intro. rate offer. However, if you took advantage of the intro. offer now, the 0% rate would only be in effect for another month or so. The customer service rep. did indicate that there is a good possibility that another similar offer will replace the current offer after the current offer expires. I have sent an e-mail to a manager at Capital One regarding this matter and will see if he says the same thing. We will let everyone know as soon as we hear something definite. In the mean time, we have deleted the phrase "0% intro. rate for six months" from all of our Capital One ads. So sorry for the confusion! Regards, Curtis Arnold Founder/Marketing Dir. CardRatings.org
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
What to Do about Credit Card Interest Rate Increase
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Posted: Thu Jan 13, 2005 1:58 am
Post subject: What to Do about Credit Card Interest Rate Increase koebrick Date: 7/1/2000 5:51 pm CDT I have received a notice that my interest rate is going up. Can I close this account and pay off the balance with the current interest rate? Can I continue to make monthly payments?
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Posted: Thu Jan 13, 2005 1:58 am
Post subject: What to Do about Credit Card Interest Rate Increase Alex D. Date: 7/2/2000 0:24 am CDT Koebrick, Unfortunately, if one has a balance with the credit card in which the notice is referring to, then unless one transfers the balance to another credit card, or pays it in full, it cannot be closed and the new rate will apply to that balance. The notice should state when the new rate will go in effect, until that date, the cardholder can take advantage of the original rate. Sincerely, Alex D. Author of "Credit Card Debt..." CreditCardFreedom.com
Which Type of Credit Card Is Easier to Get?
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Posted: Thu Jan 13, 2005 1:57 am
Post subject: Which Type of Credit Card Is Easier to Get? Jill White Date: 7/2/2000 2:49 am CDT Hi, I learned about you on creditnet. Could you give me your opinion. Are either American Express or Discover easier to get that Visa? All we really need is a credit card for internet purposes, preferably with as low a limit as possible
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
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Posted: Thu Jan 13, 2005 1:57 am
Post subject: Which Type of Credit Card Is Easier to Get? Board Monitor Date: 7/2/2000 3:16 am CDT Jill, Thanks for your post! The answer to your question depends on your credit situation. If you have a poor credit history (see our "Poor Credit" page and "Free Credit Report" page for more info.), then a Visa or AmEx Optima Secured card would be easier to obtain...simply because Discover does not offer a card that caters to consumers with poor credit (such cards are referred to as "sub-prime" cards). If you are a student, then it should not matter which of the three you choose. Likewise, if you have a fair to good credit rating (see our "Monthly Article" page for more info.), then you should be able to obtain any of the three. Hope this helps! Regards, Curtis Arnold Founder/Marketing Dir. CardRatings.org
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Cross Country Bank Credit Card Review
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Posted: Thu Jan 13, 2005 1:57 am
Post subject: Cross Country Bank Credit Card Review Pete Smith Date: 7/3/2000 2:43 am CDT Cross Country Bank is an absolute nightmare to do business with. Posting payments weeks after they are mailed, losing payments, multiple billing errors that are never corrected - all these are routine practices. Add customer service that's rude, abusive, and unhelpful and Cross Country demonstrates its utter contempt for customers. No one is so desperate for credit to subject themselves to the incredibly expensive and humiliating Cross Country experience. Their horrible reputation is well deserved. Just some food for thought!
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Spousal Responsibility for Credit Card Debt
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Posted: Thu Jan 13, 2005 1:50 am
Post subject: Spousal Responsibility for Credit Card Debt Jane Foy Date: 7/4/2000 8:07 am CDT In the event of the death of a spouse, is the surviving spouse responsible for a credit card balance, when the name of the surviving spouse is not on the credit card. These could be credit cards each spouse had prior to their marraige. Do the regulations on this issue vary from state to state. I am interested in Virginia regulations.
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Posted: Thu Jan 13, 2005 1:54 am
Post subject: Spousal Responsibility for Credit Card Debt Board Monitor - AD Date: 7/4/2000 3:06 pm CDT Dear Jane, If you are not a co-signer, or an authorized user on any of the credit card accounts in question, then the odds are for you in terms of not being liable for any outstanding balances, or being hassled by debt collection agencies. However, laws very state to state in reference to debt collection and liability for married couples, and I am not familiar with the laws in Virginia, so it would be best to contact a local attorney on such issues, especially if the amount in question is significant. You might also want to visit the Federal Trade Commission site (http://www.ftc.gov), for additional information on this subject. Sincerely, Alex Daskaloff Author of "Credit Card Debt..." CreditCardFreedom.com
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
New Bankruptcy Laws
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Posted: Thu Jan 13, 2005 1:46 am
Post subject: New Bankruptcy Laws JERRY Date: 7/5/2000 6:27 pm CDT I would suggest to everyone reading this that you contact your state representatives and urge them not to sign into law the new proposed bankruptcy laws. I am not an advocate of bankruptcy and previously worked in a bank in their collection departments using the then current laws against the borrowers. The new proposed laws limit the rights that a borrower currently has in regards to repos, evictions, garnishments ect. Furthermore it eliminates the ability of one to file chapt 7 if needed and requires that a borrower pay a portion of the debt over a period of five year (like chapter 13) thus prolonging the financial situation that one might currently be. I am not a advocate of chapter 7 filings but my experience has showed me that sometimes, it is neccessary. With banks getting more and more agressive with their credit card and lending practices, I would not want to see them having more control or your misery in the case of financial setbacks. DOES EVERYONE REALIZE THAT PROBABLY OVER 75% OF YOUR PAYCHECK IS CONTROLLED BY THE IRS AND BANKS, YES BANKs. Banks control your paycheck in the form of your mortgage payment, car loans, and credit card debt. Do not let them have any more control of it.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
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Posted: Thu Jan 13, 2005 1:46 am
Post subject: New Bankruptcy Laws dave Date: 7/5/2000 8:35 pm CDT If the banks want to limit bankruptcy protection for consumers, then Congress should step in to cap the fees and interests rates that these banks can charge consumers.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
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