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Thank you for asking your question. Having bad credit (after bankruptcy, illness, etc.) you can choose one of the following two methods. First, you can try apply for one of bad credit cards we offer. But keep in mind, there is no 100% guarantee that your application will be approved. Second, there are also secured credit card applications for you. Note that in case with secured credit cards you need a collateral to secure your credit (but such cards have guaranteed approval among other features). Secured credit cards are considered to be the best method of (re)establishing your credit history. Feel free to choose and apply online.

Thank you for addressing your requests to our service. Basically, balance transfer credit cards do have balance transfer fee among their features. However there is a variant we can recommend. This is IN:NYC Card from American Express. This credit card has 0% APR for 6 months on balance transfers (as well as purchases) and no balance transfer fee. Please note, this credit card is available only to the customers with good/excellent credit score. Compare balance tarnsfer credit cards.

Thank you for your question. At our site, there is a credit card offer which meets your requirements. This is Priority Club Rewards Visa Signature Card issued by Chase Bank. This credit card has 0% Introductory APR on purchases and balance transfers, 15.24% Ongoing APR, $0 Annual Fee for the first year ($29 after), and other features. Using this card you will earn 3 points for every dollar spent at Holiday Inn hotels. To get more detailed information, please explore our hotel rewards credit cards.

Thank you for addressing your requests to our service. Yes, at this site there is a credit card which meets your requirements. This is Blue from American Express. This credit card has 0% introductory APR on purchases for 12 months, 4.99% introductory APR on balance transfers until it is paid off, ongoing APR of 12.24%, $0 annual fee. It is also a points rewards credit card. You earn one point for every dollar you spend. Please note, this card is available only to the customers with good or excellent credit score (660-749 and 750-850 of FICO score respectively). To get more detailed information explore our low APR credit cards.

Thank you for addressing your requests to our service. In this situation we can recommend you a secured credit card - Secured MasterCard from Orchard bank. This credit card is guaranteed. Please note that you need a collateral of $200 minimum to secure your credit and guarantee your payments. Nevertheless, this credit card has a quite low APR of 8.9%, no annual fee, plus grace period of 25 days. This credit card is the best choice for establishing your credit history. To get more detailed information on this card, explore our secured credit card applications.

Thank you for asking your question. Basically, credit cards with balance transfers require a balance transfer fee. Nevertheless, at our site there is a variant with $0 balance transfer fee. This is IN:NYC Card issued by the American Express Bank. This credit card is available only to the customers with good or excellent credit (660-749 and 750-850 of FICO score respectively). This credit card has 0% introductory rate on balance transfers for 6 months. Moreover, it grants points: you obtain one INSIDE Rewards point for every dollar you spend. Points can be redeemed for food, drinks, and games. To get more detailed information please compare balance transfer credit cards.

Thank you for addressing your requests to our service. Having FICO score of 620-649 implies your credit is average, or fair. In this case you can apply for fair credit cards. These are offered by Capital One bank at our site. They have more favorable terms and conditions in comparison with bad credit cards. Moreover, some of them even offer rewards (points or cash rebates) and introductory rate of 0% on purchases until June 2008. To get more detailed information on them, compare, and apply online please explore our fair credit cards.

Thanks for addressing us, Wanda. Shifting balance from a deal with 23% interest rate is a really wise decision. Both of the balance transfer cards you came up with are good. Here is my advice. By all means the first deal is more beneficial for you. First of all, this offer comes with no balance transfer fee, which is not that easy to find. You will save about $90 on the fee, as compared to the second deal. Then, 0% on balance transfer is a very good feature when it comes to eliminating debt. But are you sure that you will do away with your debt until 12 months expire? As far as I understood, the first offer gives you 0% on balance transfer until your balance is paid off. This is a better option. The APR that applies with the first deal is nearly twice lower that the rate applied with the seconds deal. All in all, the first deal is obviously better. But if I got you wrong, and the first deal starts accruing interest from the moment you transfer the balance, then you should definitely go with the second one. As 7.49% accrued to your balance will make up about $240 each month.

Dawn, after you fill out an application and whether submit it online, or send it by mail, you will have to wait about 10 business days before you get the response. Banks need these 10 days for reviewing your application, checking your credit information and making a decision whether to approve you or not. After the 10 business days expire (or earlier) you will be informed about the decision by phone, by mail, or by e-mail. In case you qualify for a credit card, you will get it by mail within another 10 business days. However, there are deals with an instant decision option. This feature allows you to find out the credit decision within 60 seconds. A customer with perfectly stainless payment history and excellent credit score can get an instant approval. But there are also instant decision cards for people with less than perfect credit history. This doest necessarily mean that you are guaranteed instant approval, but you will get a response anyway. This type of cards is especially convenient to apply online for.

Thank you for contacting us, Susan. Though this credit offer might seem not the most beneficial one (and this is true), it is a good start for you. Poor credit rating makes it difficult, impossible, better to say, to qualify for a deal with numerous benefits, no fees, low APR and other perks. So, Rewards 660 Visa is a good option. Though you have a low credit limit at the beginning, there is a chance that your credit line will be increased. In case you make your payments on time, do not default on them and avoid mxing out your card, your lender will, most probably, increase your credit limit in a few months. You know, in fact, far not every customer with low credit rating gets approved for an unsecured deal. You have qualified. Besides, you have a rewards deal, it is even better. So, you can take advantage of a credit card, instead of putting up with opportunities that secured credit cards can give you. But having a secured credit card is not bad either. I believe your credit card, if managed right, will help you improve your credit history and score.