What is the easiest credit card to get? I want to find a card with no application fee.
2006-12-11 05:25:16 · 10 answers · asked by bdemps2241 2 in Business & Finance ➔ Credit
I can't recall ever paying an application fee for a credit card. They even provide you with a business reply envelope so you don't have to pay postage. Do you mean a card with no annual fee? You can always find those, though they offer less benefits than card with annual fees. Try the big ones and browse around at the different cards, for example www.chase.com, www.hsbc.com, www.citibank.com
2006-12-11 05:36:31 · answer #1 · answered by Ryan 4 · 0⤊ 0⤋
I had some really bad credit cards when my credit was less than desirable. There are cards that not only charge you application fees, but also processing fees and up-front annual fees. I had a lousy card that granted me a $700 credit limit. Before I got the card, I had a balance of $495.
During my less than desirable credit era I was approved for Capital One, HSBC, an a lower end Citibank (student). Thoses cards offer decent interest rates. However, watch out for the interest rates, annual fees, and hidden fees. These cards are easier to get but can cost more in the short and long run if managed incorrectly. Make sure to make the payments on time and never go over your credit limit. Doing either or both will raise your interest rates as well as over-limit and late fees.
In addition, cash advances or cash withdrawals are always at a higher interest rate. The credit company will also charged a fee for cash advances. If you receive a special deal (i.e. no finance charge for 6-months), it is almost certain that cash advances do not apply to this offer. My wife has a Capital One with no finance charges for 6-months. She took a cash withdrawal, which charged her 21.5%. When she makes payments, the payment applies to her regular purchases and not to the cash advance. In order to pay off the cash advance at the higher interest, she will have to pay off the entire balance.
2006-12-11 05:55:20 · answer #2 · answered by jynxx25 2 · 1⤊ 0⤋
Google credit cards. Most don't charge application fees. Many don't charge annual fees. Be sure to get one that does not charge any fees. Interest rates are posted. If you plan an carrying a balance, the rates are important. Most are going to be high. If you have good credit, you can ask for a lower rate. Credit cards can be useful and they can ruin you. I suggest you use sparingly and try to pay off the balance each month.
2006-12-11 05:36:27 · answer #3 · answered by ThePerfectStranger 6 · 0⤊ 0⤋
Don't know why you are confused. It's very simple. Based on the information you provided in the application, you have been approved. The bank will be verifying the info which will include pulling your credit report. If the info was correct, then you should have your card in about a month, worst case. It is likely that you will get the card within 2, maybe 3 weeks.
2016-05-23 05:47:13 · answer #4 · answered by Anonymous · 0⤊ 0⤋
Very good question, bankrate.com would be the best place to check. You should never have to pay an annual account fee, or an application fee or any fee above an interest rate.
2006-12-11 06:18:29 · answer #5 · answered by Paul B 2 · 0⤊ 0⤋
I have heard of an annual fee but I have never heard of an application fee.
2006-12-14 15:28:19 · answer #6 · answered by luciousgreeneyedlady 5 · 0⤊ 0⤋
Go to http://www.bankrate.com/brm/rate/cc_home.asp
I didn't realize cc's have application fees. Do you mean annual fees? If so, there's a list of cc's w/zero annual fees.
2006-12-11 05:52:34 · answer #7 · answered by Anonymous · 0⤊ 0⤋
I found all sorts of cards here
2006-12-14 01:26:35 · answer #8 · answered by Anonymous · 0⤊ 0⤋
try a best buy card
2006-12-11 06:39:13 · answer #9 · answered by Anonymous · 0⤊ 0⤋
you'll have to look into this - phone around to see the best rates
2006-12-11 08:42:26 · answer #10 · answered by been there, done that 5 · 0⤊ 0⤋