Hey Guys Im still trying to find a credit card. Are there any sites out there that compare a whole bunch of different credit cards and that I can apply for them rite there?

if So please post the links, thanks!!

May I ask why you don´t ask your bank first?
Even when you need a secured credit card, in the case your bank doesn´t offer it, Google is your friend.

This post has been edited by forumaurum: Feb 27 2007, 07:58 AM

First we need to know where ya from in order to adv acc.

usa

I'm sure you could apply for one at Capital One without any trouble. That company is so persistent that they send me at least 1 letter a week asking me to "Apply for their amazing card." The APR of 19.8% completely sucks, but it appears to be the most popular company out there right now. Just search for capital one on google, and you should be directed toward what you'll need.

Of course, I'm assuming that you're 18 or older. Otherwise, not a chance...

thanks ryz, now i only pay that % if i dont completely pay the bill of monthly rite? or does that % get added in automatically?

Visit www.creditcards.com to shop for the suitable one for you

Capitalone is okay, i am from canada and got one, however one thing i don't like you cant use it to gamble. online poker sites or any thing like that, cant even by lottery tickets at the store with it that kinda sucks.

When you are looking to get a credit card, the key is to shop for it and don’t let it shop for you. Sounds foolish but if you think about it, how many times have you received brochures in the mail for a new credit card and since it so convenient you fill out the form and mail it out? It’s so easy these days that you can fill out a credit card form and send it out literally in 2 minutes. What I would suggest is that rather than go for the first offer thrown to you, collect all the brochures then make time to sort them out and study them. Trust me this will pay off in the future.
The most important things to look for in a credit card brochure is APR(annual percentage rate), annual fee and grace period. You should then check things like late payment penalties and charges, over limit fees etc.

ANNUAL FEE A flat, yearly charge.
APR A measure of the cost of the finance charge which the company charges on your balance yearly.
GRACE PERIOD A time period in which if your complete balance is paid off then you pay no finance charge. This is usually 25 days, but most people carry a balance to the next period so they end up paying the finance charge.

It is also important to deduce the finance charges which you are paying for your credit card. The finance charge is the amount you pay to use the credit offered to you, therefore it is based on the amount you use. Most credit cards companies use the average daily balance method to calculate the finance charges on your credit card. The issuer calculates the balance by taking the balance on your account each day during the billing cycle and averaging it. The issuer then uses this number to deduce a charge.
There are loopholes around all these charges which can get you paying nothing at all to creditors. One way to do it is to transfer all your balances to a card that offers introductory 0% APR. Most credit card companies use this tactic of offering 0% Introductory APR to lure new customers but beware because the APR usually shoots up to about 20% after 6months. As long as you keep transferring your balance you will never pay APR charges. Some people who already have great APR’s already of about 11% usually don’t realize that once you have a late payment, even 1 day late, the creditor automatically puts your account on the highest APR possible and usually is about 30%.
Shop wisely and get the best deal for you. Learn more about Credit and Credit repair at www.1800aaacredit.com .

This post has been edited by Moniguru: Mar 8 2007, 05:29 AM

My favorite is capitalone; they are reporting to all the business bureaus now and they give you cash back..you actually see with each statement how much you earn..The more you spend the more you earn.

http://www.capitalone.com

Here in the UK I still get up to 3 or 4 (unsolicited) offers for the damned things per month through my letter/mail box. On that premise, go to the website of each one and you'll soon get a comparison. There are also, as suggested, comparison sites online too. DON'T forget the small print ; )

For credit card you have to contact any banks nearest you

I happen to know somone that can get you higher limits and faster acceptance with a good score, stated/stated! He is part of a network of bank VP'S! He does charge 15% of the amount you receive, but he's good! He just got someone I know 32K with a 660 and low income, but a decent debt to income! Email me with your request for his info!

Talk to you someone at your bank if you have a bank account. After you build up credit, you can apply for other cards with different kinds of rewards at creditcards.com

And to answer your other question, you don't pay interest if you pay your bill in full every month.

What kind of personal credit cards do you want? There are any kinds and different features like a cash back, mileage, gas cards, etc. Choose what you want, there are lots of resources online.

This post has been edited by businesscredit: Aug 6 2008, 09:50 PM

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