Date:
May 8, 2007, 5:39 am

If I have a store credit card and no balance that I have not used in a few years, is it recommended to cancel it or leave it open and unused?

There are some good reasons to turn down a store credit card. The top reason may be that store credit cards tend to come with higher interest rates than other credit cards. Even if you promise yourself you'll pay every cent of that purchase, you can't pay off your balance at once. Even though 10% or 15% off your purchase is a nice discount, the savings could be wiped out quickly by interest payments to a high-interest credit card. The matter is that one purpose of a store credit card is to entice shoppers to spend more. You'll get exclusive notice of sales and maybe invitations to special shopping days when cardholders get discounts or "extra points." Sounds like a good deal, but it may be enticing you to spend more money than you would have without all the special enticements. In fact, too many open accounts aren't so good for your credit score. Then there's the complexity. It's hard enough to keep track of your spending on one, maybe two, credit cards that you use regularly. Leaving some store credit cards open or unused can cause you to overspend without realizing it. It's also one more bill to track and one more possible fee for late payment. But if you're a truly conscientious credit card holder who never carries a balance, and you tend to do all your shopping in one place, take a look at your store credit card, leaving it open. But be aware of the fact that some store cards come with perks, like money back to spend on store purchases, but make sure to read the fine print. See what it takes to earn those perks, and scrutinize the credit cards rules like you would do with any new credit account. So, it’s always up to you to use this credit card or to tell yourself you'll take the discount, pay the bill, and then cancel the card.

Date:
May 8, 2007, 5:40 am

how can i reopen an account

Sorry, but we do not have any information on your accounts, credit card balance amounts and any other personal info, as it is beyond out competence. Our web site as Credit-Cards-Guide.net aims at helping you and other customers to find a proper credit card for their needs among the great variety of bank credit cards (to fill out an application form you are redirected to the bank's site). In case you longing to reopen your account, you’d better call your bank or credit card company and ask them to do it. So, in any case you can reopen your account by calling the customer service. Wish you good-luck!

Date:
May 30, 2007, 3:14 am

How is the minimum amount due calculated each month?

How can I get to see the catalogue for redemption of my credit card accumalated points- HSBC Credit card

The details you are interested in should be explained only by the bank issuer of your cards. The matter is when you apply for a credit card offer, you agree to accept a set of features your future credit card has - a number of rewards, a pattern of payments calculation, the fees etc. If something is not quite clear to you you should apply to nobody but your bank, as he provides the credit product to you and therefore is responsible for any details.We can provide you the information which the bank gave to us for their cards' presentation at our site, other details can be obtained at the official site of the bank or at the bank's customer service department.All the best, Manager of Immediate Credit Card Care Service

Date:
June 19, 2007, 7:58 am

unsufficient banking relationships. what does that mean?

As far as I can judge, this means your experience of using banking services seems unsufficient to the author of the statement. Evidently, you applied for a credit card or a loan and the lender looked through your credit report and found out you had had no credit before, or even no saving account etc. It sounds like a reason for refusal from a bank. You applied for a card or loan you are not eligible for, so you should get your credit report and make applications according to your credit score, if you have none, establish credit with no credit credit cards.All the best, Manager of Immediate Credit Card Care Service

Date:
June 19, 2007, 8:08 am

I am a student in Canada.
I do not have any credit but I do wish to build a credit rating. I rent my own place and have a part time job when not at school, and have a phone line in my name and a cell phone in my name, all in good standing. Please advise which credit card I should apply for. I wish to use it for purchases.
Thank you

You describe yourself as a consumer in quite a good standing and here in the USA you could have at least two options of building your credit independently. According to the way of establishing credit in the US, you can apply for a secured credit card or an unsecured credit card for no credit which, frankly speaking have rather high interest rates and little credit limit. But you can build your credit with them easily.If you want to use the advantage of being a student, you can apply for a student credit card which offer lower than usual interest rates and give a lot of alluring perks and bonuses. But you should be careful and try to pay everything on time as there is a danger of getting into debt, aspecially when you are a student:-)Unfortunately, Canadian credit cards presented at our site do not include student credit cards, so you should search for them at your local credit card providers.All the best, Manager of Immediate Credit Card Care Service

Date:
June 19, 2007, 8:23 am

How can I transfer a high balance on a new card when I can only apply for a card for people with a fair credit rating?

Transferring high balances is really a problem for those who have credit that needs some improvement. The matter is that banks won't give high credit limits to this category of applicants. You can try and pay off your existing balance and your credit will increase, so probably you'll get good score very soon to be able to apply for usual balance transfer card. All the best, Manager of Immediate Credit Card Care Service

Date:
July 2, 2007, 4:10 am

Dear Sir/Madam,
I had applied for Platinum Credit Card. I want to know the current status of the same. I have received a SMS
with reference No:200717901482 . But in SMS the status is not mentioned. Please let me know,that in how
many days I will get the Credit Card.
Thanking you,
very truly yours,
D.M.Bhatnagar,
Lucknow-226024
Mobile No:9335901384

Dear Mrs Bhatnagar, first of all, we had to remove all the personal information you included, as (and it is stated at the Immediate Credit card Care page) it can cause identity theft.Second, you should contact the bank which issued your card for all the information that interests you. the matter is we have no access to your personal information (even if you applied for this card via our site), it is the bank that accepts application forms and can assist you in any problem or answer any question concerning your credit cards.All the best, Manager of Immediate Credit Card Care Service

Date:
August 7, 2007, 11:37 am

I am 18, have always held a steady jb and have never been in debt. I am meeting with the bank about my options to obtain a credit card. I am still in high school. and have no credit. I was wondering if you could give me any insight on what to expect and to my options.

As you are already 18, you have a possibility to apply online for a credit card at our website. The fact that you don't have credit history yet makes your choice limited, because most banks will prefer an experienced applicant to lend their money to. However, it is not an obstacle to start your history right now. As far as you study at high school, we recommend you to look through our offer of the student credit cards. For instance, the Citi Driver's Edge Card for College Students issued by the Citibank or the Student Flexible Rewards SM MasterCard by the Chase Bank, have been created especially for students with bad or no credit history. They have no annual fee and 0% introductory APR on purchases and balance transfer for the first 6 months. Besides, they provide extra bonuses and rewards points. But what is of most importance, is that the student card will surely help you to build a good credit history, certainly on the condition that you pay all the debt on time.All the best, Manager of Immediate Credit Card Care Service

Date:
August 13, 2007, 11:04 pm

do u guys have creditcards for newfoundland cananda...instant approval creditcards...

Actually, if you are the resident of Canada, you may make use of our service to apply online for one of the credit cards for Canada. We have a big choice of the best cards issued by the top banks and credit companies, including those for business, students, different credit score, cash back and balance transfer cards, etc. Certainly, some of the cards are available for instant approval as well, that is you get the response in 60 seconds. Please pay attention to the American Express Platinum and AIR MILES Gold Business Cards, as they may be approved instantly and, besides, have special reward programs. Still mind the fact that they both are only available for people with good or excellent credit.All the best, Manager of Immediate Credit Card Care Service.

Date:
September 21, 2007, 11:52 am

Is First Premier Bank the only bank I can apply for a credit card with no credit history?

Unfortunately it is not a rare situation that people with bad or no credit history are denied when applying for a credit card. However our website provides a unique possibility in this case to apply online for one of our bad or no credit cards. They all are issued by the First PREMIER Bank and are the best way to repair your history. Although the interest rate may be high and the holders have to pay annual and setup fee, keeping the balance low and not being late with the payments, they will surely improve their score and have a chance to get a card with better financial conditions further on. All the best, Manager of Immediate Credit Card Care Service