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How can I find a list of good credit cards including their credit score requirements?

Question by Jan H: How can I find a list of good credit cards including their credit score requirements?
I want to find a good credit card with a 0% introductory rate, a low interest rate after the introductory period, and great customer support. I don’t want to apply to too many banks because that in itself can affect credit scores; I’d like to know beforehand what their credit score requirements are – but that seems to be hard information to find. Thank you for any suggestions!

Best answer:

Answer by vivabina
newsletters@moneyexpert.com

these people constantly review the market, ask there
.

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Tags: cards, Credit, Find, good, including, list, requirements, score, their

How can I get a good business credit score to apply for loans and credit cards?

Question by nik: How can I get a good business credit score to apply for loans and credit cards?
I have a business but need financing to fund the venture. I was told to form the business and then go to the bank. I went looking like a total idiot. I have bad credit, no money, no collateral. The Rep told me that I have to have great business credit and to come back when I have a 80 Paydex score. I left thing WTF. Please help!

Best answer:

Answer by Rose
Hey see

http://ebiznus.com

answers.yahoo.com helped me too for resolving this.
Best of luck.

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Tags: apply, Business, cards, Credit, good, loans, score

What credit cards earn miles for multiple airlines?

Question by Babystomper: What credit cards earn miles for multiple airlines?
There’s a resort in the Dominican Republic I want to go to again and want to see if I can earn skymiles or whatever by using credit card awards.
I’d prefer to avoid Cap 1 because of previous experience as a customer.

Best answer:

Answer by potatochip
Capital One card partners with a number of airlines that you can earn miles on.

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Tags: airlines, cards, Credit, earn, miles, multiple

What credit cards are most widely accepted in Portugal?

Question by ecolink: What credit cards are most widely accepted in Portugal?
We are traveling from the United States and want to be prepared. Are credit cards accepted at most restaurants? Shops? Hotels?

Best answer:

Answer by Michelle M
AMEX and VISA yes, yes and yes. Call the credit card company ahead of time and tell them to note on your acount you will be traveling abroad because sometimes they could put a hold on your card when it is used overseas, thinking it may be stolen. Have fun!!

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Tags: accepted, cards, Credit, most, Portugal, widely

What happens to your existing credit cards if you foreclose your home? How about new credit cards?

Question by giobarricader: What happens to your existing credit cards if you foreclose your home? How about new credit cards?
Hello. I have a great credit score as of now, but things will certainly change once I fall to foreclosure on my home. 1) Will I lose my existing credit cards? 2) Will I be able to get new ones?

Also, does anyone know how many points you lose with forclosure?
Thank you.

Best answer:

Answer by tro
your credit card companies are in the position of canceling any of them without a good reason due to the downturn in the economy
if you don’t use it much, they will likely cancel it, if your payment schedule has been not so good, they might cancel
more than likely they are not informed of your foreclosure
possibility of not getting a new card would be less if you had a bankruptcy
and the foreclosure will definitely affect your credit score

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Tags: about, cards, Credit, existing, foreclose, happens, home

How do I pay off my credit cards and loans if the credit company or the the credit cousenling won’t help?

Question by chickiechick: How do I pay off my credit cards and loans if the credit company or the the credit cousenling won’t help?
I have a debt of close to twenty thousand dollars. This is one credit card and one loan. I owe close to 700 dollars a month for both of these (combined). I cannot pay it and live. They are both through the same bank, but the bank will not help me. They gave me a number to a credit counseling service but it won’t help me either. I don’t know what to do. I don’t want to use a credit settlement service because it supposedly ruins my credit, but it seems to me that my credit is ruined anyway. I need HELP!

Best answer:

Answer by y2p731
Get a debt consolidation loan from Countrywide. As long as you have home ownership, you’re approved.

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Tags: cards, company, cousenling, Credit, help, loans, won't

What are some of the best credit cards for someone to start a credit history?

Question by mischiefmaker_kc: What are some of the best credit cards for someone to start a credit history?
This person is a student and will graduate soon and wants a card so he can establish credit. Any ideas on a good one for someone who has never had credit?

Best answer:

Answer by monica
Start with a gas card

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Tags: best, cards, Credit, history, some, someone, start

What is the easiest way to consolidate credit cards w/out having to file for bankruptcy?

Question by Stepmom7: What is the easiest way to consolidate credit cards w/out having to file for bankruptcy?
My husband and I have around $ 20,000 in credit cards and I want to get them all on one to only have one payment. Do I get another credit card and put them all on there, get a personal loan, or is there something else out there that can help us? We have good credit, so I don’t want to ruin that. Please help!!

Best answer:

Answer by comnavhublant
There are several options available to you in a situation like this.

1. Search the internet for credit cards with lower introductory rates for balance transfers up to the amount you need. Just make sure that you check what the interest rate will be after the promotional period.

2. If you’re a homeowner and have $ 20k of equity you can apply for a home equity loan which has a significantly better interest rate. (This is the best option.

3. Contact your bank and apply for a line of credit to consolidate the cards into the loan.

2&3 are the best of these options as you’ll get a better interest rate and you’ll have a real good chance of being approved because you’ll either use your house as collateral or your bank will see the opportunity to make money on a loan which helps them and at the same time will leave you feeling good about them so that way you won’t want to change banks.

Good luck!

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Tags: Bankruptcy, cards, consolidate, Credit, easiest, file, having, w/out

What are the easiest credit cards to get for someone who just turned 18?

Question by Victor: What are the easiest credit cards to get for someone who just turned 18?
I just turned 18 and I want to establish my credit. I dont want a loan for a car or borrow alot of money. I just want to get a credit card with a low credit limit so I can start establishing it. Where are the easiest places to get credit cards?..can my parents let me use their credit if i wanna get a good credit card.they have good credit.

Best answer:

Answer by SumDude
a secured credit card at a bank or credit union. Your parents could even loan you the money that will sit in a dedicated account and then you pay them back over time, and the dedicated account becomes your money, or when you graduate to an unsecured card you can give them back the deposit, plus the interest it earned.

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Tags: cards, Credit, easiest, just, someone, turned

Q&A: Is an advantage to use multiple secured credit cards to build up credit?

Question by Cali Firefighter: Is an advantage to use multiple secured credit cards to build up credit?
I am applying for a secured credit card after bankruptcy (due to medical bills), Is it to my advantage to get 2 or 3 secured credit cards to build history or only use one? I dont really need or want any loans/credit cards right now and I am big on paying cash but I need to rebuild my credit rating. Will 2-3 secured cards build my credit faster then 1 secured card?

Best answer:

Answer by scdude852000
I totally understand you wanting to pay cash for everything you buy, and not wanting to have any loans or credit cards, but you’ve got to understand that credit is a game, you just have to learn how to play it.

These unsecured cards are the only thing that’s going to help you rebuild your credit. Even more, in most cases, than getting negative marks removed from your credit report.

I took my credit score from 580 to over 700 in under 6 months by doing two things, disputing negative marks on my credit report, and getting these merchandise cards.

See what you’ve got to understand is that the biggest mistake average people make with their credit, is that they pay everything off in full every month. In order for your credit score to steadily rise, you’ve got to keep a 10 to 30% debt to credit ratio on all unsecured debt, i.e. store cards, credit cards, and merchandise cards.

You determine your “high credit limit” by simply adding up the credit limits on all those cards or unsecured debt, and simply have balances that add up to 10-30% ratio of your high credit limit.

For example let’s say you have three credit cards with a $ 5,000 limit each, so you’d have a $ 15,000 high credit limit. So you’d need to have a balance from these three cards of at least $ 1500 to get, and keep that 10% debt to credit ratio, and of course like I mentioned you could keep a higher balance than that, as long as that ratio never exceeds 30% you will certainly see your credit score rise consistently.

Now the problem for most people with bad or problem credit is that they simply can’t get approved for regular credit cards, so they must get these merchandise cards instead. The key here is that a merchandise card and a “regular” credit card report and are considered the same on your credit report. So the credit limit on the merchandise care gets counted as part of that high credit limit we talked about earlier.

So for example: Joe wants to raise his credit score. He currently has two credit cards that have $ 2,000 limits on both. So currently his high credit limit is $ 4,000. But he has maxed out both of them. So his debt to credit ratio is 100%…not good.

So what does he do? He gets several merchandise cards. One with a limit of $ 10,000 and two more for $ 5,000 each. So now, Joe’s high credit limit has suddenly gone up to $ 24,000. Now considering Joe doesn’t abuse his merchandise cards and only uses $ 1,000 between the three of them, he now has $ 5,000 in debt to his available $ 24,000 which gives him the debt to credit ratio of about 21%. Which as we talked about, is between the 10-30% range.

Now Joe will continue to make the minimum payments on all his cards in order to show a good payment history, and this will allow his credit score to quickly and consistently rise.

This example can be done the exact same way if you’re starting with no cards or no high credit limit at all.

Also, check out the credit secrets bible at the website I’ve listed in the source section of my answer here. I don’t make any money if you buy one, or whatever, it just really helped me get ahead in the credit game, and change my life as far as credit goes. I tell all my friends and family that have credit problems about it.

Hope this helps,
Matthew

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