Archive for the ‘instant credit card approvals’ Category
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I am looking into getting a credit card and would like at least a limit of 3k. I have a credit score of 710. I make 30 k a year. I just got declined for the chase slate card, it said because i have newer loan types out. In December i financed an engagement ring for 3500 and owe 2500 on it. and have a personal loan out that was oringinally 5500 which is payed down to 3000 at the moment. all on time, no late payments. Which would be the best credit card to apply for online? with an instant approval
Credit is tight these days, and no one LEGITIMATE will be able to tell you of any place that will grant you credit automatically. (Plenty of places will do that, but trust me, you want to stay far away from them. They are all crooks and scams.)
If you belong to a credit union through work or some other way, that would be your best bet. You owe quite a bit of money, even though you are handling it. But it makes banks a little wary about lending you more money. When they give you a card with a $3,000 limit, they treat that as if you were taking out a new $3,000 loan. You already owe $5,500, which is more than 2 months’ worth of your gross pay, and probably more like 3 or 4 months of your take home pay after taxes, Social Security, etc. That’s a pretty heavy load, especially in this economy and especially for a young guy. (I know you are young, because of the engagement ring.)
But credit unions are more likely to treat you right. So see about joining one if you don’t belong yet, and then apply for a card through them. Also, Discover is a little easier on requirements than most banks. The Discover Card is not as widely accepted as Visa or Mastercard, but tons of places do accept it. If you can’t get Visa or Mastercard through your credit union, consider going for Discover.
Good luck!!
Wasn’t it harder to be financed for some things. My mom was telling me about when she turned 18. She had every card, out there. She also told me she received instant approval on an auto loan and put a 6k down payment on a credit card. What happened to these days?! Wasn’t it harder to get financed and interest rates were higher? My dad bought a Mercedes in 99′ with tier 1 credit but was still charged like 9-13% intrest
You have to be more specific when you say "Back in the day". With the recent failures of so many major and minor banks, as well as mortgage companies, credit criteria have tightened, making it more difficult to arrange financing. But, this has mostly affected people with damaged credit, since they’re the ones who have defaulted on past loans and/or credit card accounts. People with perfect credit histories are still able to borrow money, so keep your payment history clean.
It was pretty easy to accumulate a lot of different credit cards, though, just as recently as about 4-5 years ago. Most lenders don’t like to see you put a down payment on a car or house with a credit card, as the payments that you will have to make on the credit card will change your debt to income ratio. If it raises it over their threshold, you stand a good chance of getting turned down for the car or mortgage.
And finally, the vehicle has a lot to do with the rate that you pay on a car note, so if your father bought a used Mercedes (you didn’t specify new or used), the rate will be higher than if he bought a new one. And since you couldn’t be specific on the rate (there’s a big difference between 9 and 13%), and I don’t have a copy of his credit report to look at, I can’t tell you why he paid that rate 11 years ago.
when you apply for a credit card online from a bank, do they usually give you instant approval like a store does? Or is it normal for them to say they need to varify a few things, and then will email you their decision? I know in a store when you are told you will revieve a decision in the mail that you were denied, but is it the same for bank credit cards?
If "instant approval" is really the only thing that interests you, go here for five pages full –
http://www.financeglobe.com/Finance/cards.shtml
and then click on "Offers Instant Approval" under the "By Features & Criteria" column.
Your basic instinct is correct: If you’re denied, the Website will tell you that you’ll receive a letter in a few days.
I specifically recommend that you avoid HSBC (also doing business as Household Bank and Orchard Bank, among other names), because they are extremely stingy with initial credit limits and credit-limit increases, and often charge high annual fees, to boot. Their customer service stinks, and their customer-service reps don’t have the power to help you with anything anyway. I have no idea why they bother to answer the phone or why customers bother to call them. I wouldn’t piss on HSBC if they were on fire.
Citi Websites (Sears and Shell Oil Company are examples of Citi credit-card Websites) have unusually stupid anti-fraud protocols. For example, if your credit report says that you live at 1234 W Main St, you’d best enter the information in the application just exactly that way. If you enter 1234 West Main Street (as I did), your application will be denied until you FAX in "proof" of your address, even though any human can see that both addresses are one and the same thing.
If your credit history is short or a bit dicey, I’d recommend that you go for a Capital One credit card. Their business model allows for riskier customers, yet they won’t screw you over with high interest rates or other predatory behavior. Don’t be dismayed if you get a low initial credit limit, since they’ll automatically enroll you in their "Credit Steps" program. You’ll get an automatic credit-limit increase 90 days after you first use the card, then another automatic increase 90 days after that. In other words, a Capital One card that started at, say, a $300 credit limit might conclude with a $750 credit limit six months from now.
A good second source for a short or dicey credit history is Bank Of America. It’s likely that they’ll enroll you in their 99/500 secured credit-card program. If you send them a check for $99, they’ll send you a secured credit card with a $500 limit. After a year, write to them and ask to "graduate" the card to an unsecured status. They’ll probably say yes, double your credit limit, and send a check for $99 back to you.
Good luck! Did I mention that you should avoid HSBC like the plague?
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http://www.top-creditcards.net/pre-approved-credit-cards.htm
– Ways To Get Maximum Advantage From Your Pre-Approved Credit Card Provides
Zero interest credit cards signify the top selection for numerous individuals when they are confronted along with the choices of selecting a credit card. The purpose is that these cards supply an excellent possibility to lower credit card costs . Nevertheless, there are different kinds of zero interest credit cards in the marketplace available to consumers, and also this can present excellent issue as to that one is the many suitable based on the financial scenario of a consumer. As an outcome, the following strategies may function as a guideline when you are thinking of applying for a zero interest credit card.
1) Function of the card – For what function do I require a zero interest credit cards? This is an essential question that you must ask your self whenever you are preparing to use for the card. For majority of persons, the function is for balance transfer. This is since credit cards along with zero percent APR on stability transfer are very good for spending off balances through other credit cards along with a high interest rate. A lot of persons also use for these cards simply for the reason of new buys. Therefore, you must consider very carefully your main function of using for a zero interest credit card. If your main objective of using for the card is for balance transfer, then try to prevent utilizing it for any new buys.
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http://www.top-creditcards.net/easy-credit-cards.htm
Learn To Get Easy Credit Cards
There are so many credit cards gives currently available with the appealing advertising on the web
and also financial institutions searching for new consumers.
The process for persons to obtain easy credit cards may sometimes take 30 minutes the most.
This is what makes it enticing to customers, however regardless of what type of credit card you get,
There are the needs you’ll want to fulfill in terms of making payments.
Credit cards are a large convenience to some persons, but it can also become a financial burden.
When seeking credit cards apart from the several choices you must select from,
You also should think about is there a difference among an easy as well as difficult to acquire credit card.
There really isn’t difference for the time to seem on what is being provided and you need to be careful;
Easy credit cards can mean poor or no credit.
When you see these easy credit cards offering for the time to do comparisons, you will realize actually not similar.
If you are thinking of getting one of these brilliant advertised cards and also your agreement is effective,
When you buy that card you will realize that the rate provided would be much greater or even it has a small credit limit.
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