User Name:
sh

Date:
December 27, 2007, 1:14 am

my score is 669, what is is it fiar or good, what can i apply for

Thank you for addressing your requests to our service. Having FICO score of 669 implies your credit is good. In this case you are free to apply for almost every credit card offered at our site. You can choose these taking into consideration rewards (hotel, frequent flyer cards, gas, cash rebates, points), no annual fee, instant approval, 0% intro APR, etc. Feel free to compare, choose, and apply online for a credit card which suits you best.

User Name:
jessie

Date:
January 16, 2008, 6:18 am

my score is something about 600. i know this one's not that good. what card is the best for me.

Thank you for addressing your requests to our service. Having FICO score implies your credit is bad. You can apply for bad credit cards, however there is no guarantee that you will definitely get approved. The best variant in this situation is a secured credit card. Please note that you will have to deposit a certain amount of mney to secure your credit, however, you will get approved, since such cards have guaranteed approval. Apply online for secured credit cards.

User Name:
Sayo

Date:
March 30, 2008, 5:45 pm

My credit is pretty bad, like 509. I now have a stable job and want to build my credit... Is it bad to have more than three credit cards? Does that make my score go down more, even if I'm paying on time and over the minimum amount?

Thank you for addressing your requests to our service. First of all, there are secured credit cards for you. In this case you will have to deposit a definite amount of money, nevertheless such credit cards are guaranteed. Of course, you can also try bad credit cards, however, there is no 100% guarantee that your application will be approved. And if a bank cancels your application, your credit score is damaged. Second, no one will actually allow you to hold three cards with your bad credit. Moreover, having many credit lines open is not so favorable for the banks in general. Many short-term credit lines also harm your credit score. Closing used credit cards is not preferable, too. The best method for you now is to apply for a secured credit card, make regular payments in full (and more is better, certainly). One credit card would be enough for this. Please explore our bad credit cards and secured credit cards to get more detailed information with regard to each option.

User Name:
sharleen

Date:
April 7, 2008, 7:53 am

what are these secured cards?

Thank you for your question. Secured credit cards are developed by the banks aiming at the customers with bad or no credit especially for establishing and rebuilding credit history. Such credit cards are considered to be the best choice for these aims. Secured credit cards need a collateral - a certain amount of money to secure your credit. This means that in case you fail with paying off your bills this money will be used to cover your debt. Of course, this does not imply that a bank takes your money just as soon as you delay your payment for, say, seven days. This should be done only in case of an emergency. The credit limit of your card will be equal to the sum of deposited money. Moreover, secured credit cards are guaranteed. Plus, when you own a card your bank regularly reports your payments to all leading credit bureaus which helps to build your payment history quickly. Using this link, apply online for secured credit cards.