triguyinla asked:


I have over $100,000 in credit on my 7 or 8 credit cards, all with a 0 balance. I am facing foreclosure in a few months. Will the banks cancel my credit cards once I get a foreclosure on my credit? Should I just max out all my credit cards with no intention to pay them?

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Richard asked:


Both personal and small business credit cards would be helpful. Thanks!
I know through personal experience that American Express DOES require a SS# when adding additional cardholders (at least for personal cards), and that Advanta does NOT require a SS# when adding additional cardholders.

Personal experience with additional issuers would be helpful.
Please provide specific credit card issuers. Thanks!

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MiC asked:


I have been in a debt management program with a local credit counseling service for about 8 months. My parents have offered to co-sign a loan so I can pay off the cards. The loan with the bank is a lower interest rate than the cards and will pay them off faster with a lower payment each month. Should I pay the cards directly or go through the credit counseling service? Which is better for my credit score?

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College Credit Builder asked:


Your pet’s picture can now be uploaded and featured on the Pet Rewards™ Visa® Credit Card issued by Bank of America®.  (www.petcreditcardrewards.com ).   This rewards credit card is scoring big with pet lovers and credit card consumers across the country.  Like many department stores, universities and airlines have done for decades, pet owners can now customize their credit cards to display their beloved pets.  These pet oriented rewards credit cards are proving to be a home run in the credit card industry.

Features offered by the Pet Rewards™ Visa® Credit Card from Bank of America include:

•           500 bonus points after your first purchase.

•           1 point for every dollar you spend on everyday purchases

•           Earn points toward veterinary services, pet food discount certificates, and shelter donations

•           Earn two PetRewards Points for each dollar you spend at participating veterinary clinics, pet food retailers, farm and feed stores, and neighborhood pet specialty stores

•           Rewards begin at just 750 points

•           Mini Card available

*See website for complete terms and conditions of card usage and application disclosure.

During a period of economic instability, uncertainty in the stock market, illiquidity in the credit markets and the softening real estate market, one thing remains constant – pet lovers are crazy about their pets.  Generally, pets give their owners the most loyal and unconditional love they could ever ask for.  With the Pet Rewards™ Visa® Credit Card, pet owners can be reminded of their favorite dog, cat or other pet every time they take out their wallets.  Real pet lovers carry this card with pride.  Visit www.petcreditcardrewards.com to complete the credit card application online in a few short minutes.

http://www.articlesbase.com/pets-articles/pet-credit-cards-valuable-rewards-for-dogs-cats-611942.html



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chelsea asked:


I recently bought a magnetic card case to carry my credit cards and it seems that the magnet is destroying my credit cards. I had a case exactly like this (same brand, same type) before and the magnets never did this before. Is there anything I can do?

I already wrote the company that makes the card case and they were no help at all.

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College Credit Builder asked:


The Oakland Raiders official team logo is now being proudly displayed on the NFL Extra Points™ Platinum Plus® Visa® Credit Card from Bank of America.  (www.raiderscreditcard.com).   This rewards credit card has proven to be a touchdown with fans across the country and has made huge strides in the rewards credit card industry.  Like many retailers, universities and airlines have done for decades, NFL football teams, in association with Bank of America, now offer credit card consumers valuable rewards above and beyond the cool factor of having their favorite team printed on their credit cards.  These football-oriented credit cards are scoring big with sports fans in every state.

The NFL Extra Points™ Platinum Plus® Visa®™ Credit Card from Bank of America has important features, which include:

•           No Annual Fee.

•           0% Introductory Annual Percentage Rate (APR) on balance transfers and cash advance checks for your first 12 billing cycles.

•           A $50 NFLshop.com gift card after your first qualifying transaction(s) using your NFL Extra Points™ Visa® Credit Card.

•           100% fraud protection

•           Earn 1 Point for every dollar you spend in net retail purchases. Points are redeemable for NFL merchandise, tickets, and VIP passes to NFL experiences.

•           Online account access and Points management.

At a time when consumers are nervous about the uncertainty in the stock market, illiquidity in the credit market and the softening real estate market, one thing remains constant – sports fans love NFL football.  Historically, football has given its fans something to believe in and something to hope for, particularly during difficult economic times.   With the NFL Extra Points™ Platinum Plus® Visa®™ credit card, Oakland Raiders fans can be reminded of their favorite team every time they open their wallets.  Real fans carry the card with pride.  Visit www.raiderscreditcard.com to complete the credit card application online in just a few short minutes.

http://www.articlesbase.com/football-articles/oakland-raiders-credit-card-nfl-extra-points-platinum-plus-visa-618451.html



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Ms. Kitty asked:


I was going to consolidate two credit card onto a new lower interest card and cancel the old cards. However, I was informed that closing the old cards would not look favorably on my credit report. I thought this was strange as good credit reflects on your credit report for 10 years and keepin the old card open whould make your debt ratio higher. Can someone explain this to me?

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Yogiandbooboo asked:


I have no credit card debt but a few credit cards that are open I never intend on using. Is there any way I can close these accounts without hurting my credit? I do not like the idea of having open credit card accounts, for fear of theft of these numbers.

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College Credit Builder asked:


The Pittsburgh Pirates® team logo can now be featured on the Major League Baseball™ Extra Bases™ Credit Card issued by Bank of America.    (www.piratescreditcard.com ).   This rewards credit card is scoring big with avid baseball fans and credit card consumers across the country.  Like many department stores, colleges and airlines have done for decades, Major League Baseball™ teams are now being displayed on consumer credit cards.  These sports oriented rewards credit cards — a great way for fans to express their undying team loyalty –  are proving to be a home run in the credit card industry.

Features offered by the Major League Baseball™ Extra Bases™ Credit Card from Bank of America include:

•           No annual fee.

•           0% introductory Annual Percentage Rate (APR) on balance transfers and cash advance checks for your first 12 billing cycles.

•           Earn 1 point for every net retail dollar spent redeemable for MLB™ autographed memorabilia, once-in-a-lifetime MLB™ experiences, cash rewards and travel with no blackout dates.

•           Get an official MLB™ licensed jersey after your first qualifying transaction(s) using your MLB™ Extra Bases™ credit card.

During a period of economic instability, uncertainty in the stock market, illiquidity in the credit markets and the softening real estate market, one thing remains constant – sports fans are crazy about Major League Baseball.  Historically, baseball has given the public something to believe in and something to hope for, particularly during difficult economic times.   With the MLB™ Extra Bases™ credit card, Pirates fans can be reminded of their favorite team every time they take out their wallets.  Real fans carry the card with pride.  Visit www.piratescreditcard.com to complete the credit card application online in a few short minutes.

http://www.articlesbase.com/baseball-articles/pittsburgh-pirates-credit-card-major-league-baseball-extra-bases-mastercard-626547.html



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credit cards rates asked:


Getting approved for a credit card can be difficult without a positive credit history working in your favor. It’s a Catch-22: To obtain a credit card, you need a good credit history. But to have a good credit history, you need to establish good credit!

This no-win cycle can keep people with a non-existent, limited or negative credit history from getting approved for a credit card. But it doesn’t have to if you understand the type of credit cards available and how to build a good credit history.

When it comes to credit cards, the type of card you apply for will depend on your situation. If you’re a student, you’ll, naturally, sign up for a student card. But if you’re a non-student with a non-existent or bad credit history, a card that is secured or obtained with a co-signer may be your best option. With co-signed credit cards, the co-signer guarantees and is responsible for the debt. This means that the co-signing person is responsible for paying the full amount of the debt if the card holder doesn’t pay. In fact, when co-signed debt goes into default, three out of four times co-signers are normally asked to repay what is owed, according to the Federal Trade Commission.

Furthermore, the issuing bank can attempt to settle the debt without first trying to collect from the card holder. The bank can also use the same collection methods against the co-signing individual, including suing and garnishing wages. If the debt is not paid, it can leave a negative mark on the credit history of the co-signer, as well as the card holder.

Despite the risks, a co-signed credit card can be great tool for helping a friend or relative build their credit history so they can one day obtain a card on their own. Secured, co-signed and pre-paid credit cards offer viable options. But you should start building a strong credit history, so you can obtain a regular credit card on your own in the future.

First, you need to understand how credit card issuers determine credit worthiness. The approval criteria varies from among issuing banks, but generally relates to what’s often called the three C’s of credit: capacity, character and collateral. Capacity refers to your ability to pay based on your income and existing debt. Collateral refers to any assets you have that can secure payment, such as bank accounts or home ownership. Character refers to factors like your payment history, length of employment, etc.

 

To get a good idea about how your application will fare with credit card companies, check your credit history with one of the major credit reporting agencies: Experian (www.experian.com), Equifax (www.equifax.com) and TransUnion (www.tuc.com). These agencies access your payment information directly from the companies you have credit with, as well as from government agencies such as the legal court system.

Credit reporting agencies use the information in your credit history to determine your credit rating or credit score. Credit scores, also known as FICA or Beacon scores depending on the CRA, generally range from 350 to 850. Most banks will approve you for credit if your score is at least 620. If your rating is 720 or higher, banks will offer you their lowest interest rate.

Generally, y our credit score is determined by your payment history for the last two years. T echnically, CRAs calculate your score using a closely-guarded formula. TransUnion, for example, determines credit scores using a variety of factors, including: how you pay your accounts, how much you owe and how often you’ve applied for credit.

http://www.credit-cards-rates.co.cc/



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