Credit Card Discussion

Can anyone give me the details on obtaining a HELOC? Is there some comparison shopping to do when entertaining the thought of this? I put 1/2 down on a $300K 3 years ago and my credit is good enough to obtain a regular credit card if I apply. How much money could I get and how is the loan repaid? Basicly how does the process work? Any info I can get is helpful!

EXPIRED AND DECLINED CARDS? I run a personal online store and sometimes people provide expired and declined cards.
My store credit card proccesser *****! Every credit card gets past it

Im going to buy some products online but don’t have a credit card and need to know if these types of gift cards could work to buy online.
(Note): I’m thinking about buying the gift card from WAL-MART.

My husband had a kidney stone removed last November and we’re still struggling with the bills. He has a Care Credit card he used once for getting his teeth pulled, but is it possible to use it for this also?
I did call the number on the back, but it’s only an automated service. You can’t talk to anyone.
Yes, I want to pay past due bills with it, if that’s possible.

The internet has become the fastest and most convenient way to be able to locate and compare a credit card company from another. No doubt it has become widely used in financial transactions such as credit card applications. However, with a significant incidence of fraud online, consumers are now in a critical situation. One thing should be certain, though. In applying for a credit card online, make sure the credit card company you are applying is one-hundred percent safe and secure for customer’s use. The easiest way to know this is to know the reputation of your credit card company. Reputable companies that have a clean track record of serving many satisfied customers is one sure way to determine the credit card company is safe from fraud and privacy issues.

There would probably be nothing new about the next things to consider except of course that like a personal credit card application, you have to ask these things because it will help you decide which credit card and which company will you apply to. Let us take the why first. Why do you want to apply for a credit card? How do you intend to use your credit card? Is it only for pleasure or is it for business? First time credit card applicants should ask this question more often than dreaming about the benefits involved with owning a credit card. If you travel a lot to different countries, will you be able to use the credit card? If so, then you will need an international credit card, which you can use in countries other than the country where the credit card was issued. Are you able to pay monthly or only at a minimum? By answering these questions, you will know your financial capability. Now this is very important because later, the lack of finances might make you not in good terms with your credit card company.

After this assessment, compare credit cards. Again, the best way to do this is online. You can put cards side by side and weigh each pro and con. What are the benefits as well as the disadvantages of both cards? Many websites could give you this information. And while you’re at it, get information about the company itself who will issue the credit card. Are they credible enough? Can their system be trusted? Will information be a private transaction between you and the bank? Since credit card companies are also a business, carefully investigate any detail or specifics that go with the application.

The internet is a rich source for this information. With just one click of the mouse, you can easily compare rats, fees, and terms, making the tedious chore of doing your homework informative as well as exhaustive. Once you have selected your credit card company, it is also very convenient to apply at once for a credit card. After a filling out and submitting a form, approve applications would be receive a confirmation e-mail with your credit card information in it. This proves to be one of the most convenient ways to apply for credit cards today.

We are planning on buying a new house. We have enough money to put a 20% down payment. We also have credit card and car payment debt that is a little less than the 20% we could use for the house. The interest rate on the card is 4.99%. The car loan is 6.4%. The home loan will probably be 6+%. Since the interest rate on the credit card is less than the rate of the home loan, would it be better to put the 20% down on the house and then try to pay off the card and car loan in a few years or would it be better to pay off the card and car loan now and and just put 5% down on the house and have to pay PMI? Or maybe something in between like pay off the card but not the car (or vice versa) and put 10% down on the house. Is there a calculator out there somewhere to calculate the cheapest route?

Thanks…
We are working on paying down the credit card and car loan. At current rate they should both be paid off in about 4 years.

If you’re looking for the top 10 best credit cards, look no further. I have the list. For the lowest interest, best introductory offers and highest rewards, these credit cards top the charts. Want to make sure you’re carrying the best of the best? Here’s the cards to look for…

1. Blue from American Express

Topping the list of our top 10 best credit cards is Blue from American Express. Not only is this one of the only American Express cards available without an annual fee, but it also offers a 0% intro APR for 15 months, a lifetime balance transfer APR of 4.99% and rewards points redeemable for travel, merchandise and more. 2. Discover More Card

Discover cards have usually been associated with higher interest rates, but not the Discover More card. Not only do you get a 6-month 0% intro APR, when the intro period is over your rate can be as low as 10.99%. Add that to the fact that you get up to 20 percent cash back from participating retailers and it’s not hard to see why the Discover More card is one of the top 10 best credit cards out there.

3. Fidelity Investments 529 College Rewards Card

How would you like a credit card that helps pay for your kids’ college education? That’s exactly what this card will do. You get 1.5 percent of every dollar you spend on the card placed into a 529 plan. With the increasing cost of college, we couldn’t help but add this one to the list of the top 10 best credit cards out there.

4. Orchard Bank Platinum MasterCard

If you have great credit, the orchard bank card probably isn’t anything special. However, if your credit isn’t the best then this is definitely the best of the top 10 best credit cards out there. The Orchard Bank card is easier to qualify for than most other credit cards and for a bad credit credit card, the interest rate and fees are very reasonable.

5. Simmons First Platinum Visa

If you’re looking for a no-frills credit card with an unbeatable fixed rate, you’ll see why the Simmons First Visa Platinum makes our list of the top 10 best credit cards. The low fixed rate is just 7.25% and there’s no annual fee, which is rare when it comes to fixed-rate low-interest cards.

6. Chase Freedom Cash Visa Signature

When it comes to rewards cards, the Chase Freedom Cash Visa Signature is hard to beat. When you make your first purchase, you get $50 and then you get 1% to 3% cash back for all of your other purchases. When you earn $200 in rewards, you get another $50 bonus. With such generous rebates, this card is definitely one of the top 10 best credit cards on the market.

7. Pulaski Bank Visa

When it comes to a low fixed rate, you can’t beat this card. Pulaski Bank Visa makes it to our list of the top 10 best credit cards because of its generous 0% 6-month intro rate and its unbelievably low fixed rate of just 6.5%.

8. The GM Business Card from Chase

If you’re looking for a great business credit card this one just might fit the bill. The GM Business Card from Chase offers 3% earnings on all fuel purchases and 1% on all other purchases. You also get a $600 credit on your card each time your company leases or purchases a GM vehicle through the GM Business Choice program.

9. Chase Amazon.com Platinum Visa Card

Are you a frequent Amazon.com shopper? If so this card is a must. You earn 3 points for every dollar spent at Amazon.com and 1 point for every other dollar spent with the card. When you earn 2500 points, you get a $25 Amazon.com gift certificate.

10. Citi mtvU Platinum Select Visa

If you’re looking for the best student credit card in this top 10 best credit cards list, you’ve found it. The Citi mtvU Platinum Select Visa doesn’t just offer no annual fee, a competitive interest rate and rewards points for every purchase you make, but it also offers bonus rewards points for paying your bills on time, staying within your credit limit and keeping your grades up.

When it comes to credit cards, there are the good, the bad and the ugly. Using the above list of the top 10 best credit cards available, you can avoid the bad and the ugly and have nothing but the best in your wallet.

If you are having a hard time with credit card payments, you may need to seek help. If you are no longer able to make your minimum payments on your credit cards, you will need to get help to avoid having debt in collections or receiving judgments on your debt.

Part of the problem with making credit card payments is that your payments have recently increased do to changes in policy. While the new formula for calculating minimum payments will help you pay off your debt eventually, it might place an additional strain on your budget. This might even mean that you have been using your credit cards more to make up the difference in your budget, creating a scenario where you are building up more and more debt.

One option that you might have contemplated is bankruptcy. This will ruin your credit, but will allow you to have a fresh start. It is hard to come back from bankruptcy since that will stay on your credit report for as many as ten years, barring you from applying for many future types of credits like buying a home or a car. Bankruptcy is also not for everyone as many people’s situation do not warrant such a extreme act.

Another option you may have heard of is debt settlement. Most people who choose this option pay a lot of money up front to a debt settlement agency to settle with their creditors. These types of organization can do nothing more than what you can do on your own, but they will charge you a lot to do it. Debt settlement is an option for those whose debt is with collection agencies. While debt settlement does hurt your credit, having unpaid debt in collections is also bad. Whatever debt that does get forgiven is taxable, so you won’t even be able to save on it as much as you might have thought.

Perhaps your situation is not as grim as to necessitate bankruptcy or debt settlement. If this is the case, you should seek credit counseling. Through credit counseling, you can become current on your accounts, lower your interest rates, and even have a positive influence on your credit report. A credit counselor can help you pay off your debt and balance your budget so that you can make your monthly credit card payments.

If you are interested in credit counseling, find a reputable credit counseling agency that can help you with your credit card payments. With this type of help, you will be able to escape debt and save money for future purchases.

if on my capital one mastercard my balance is 3,000 dollars and my available credit is 67 dollars..if i want make a purchase will it go through? and if it says it went through already, is it just a mistake or did it really go through?

I fell into a relapse with Lupus. I am unable to work right now.

I am already on Bank of Americas Finanical hardship program. I pay 250/mo for 5 years. This will pay my balance.

I am scared to death to lose this good deal. Is there something I can do ?

Thank you