Credit card Query?

Question

if I have a balance on an exisitng credit card and want to transfer to a 0% but am unable to as I dont earn enough to qualify for a new card, would it be possible to do a joint credit application with husband whos income is higher then transfer the balance?

Answer 1

Credit card balance transfer is one of the preferred ways to get rid of credit card debt and is used by many people to get immediate relief. Credit card balance transfer essentially means that we transfer our outstanding balances from a high APR credit card to a credit card which offers low APR's. A 0% Intro APR credit card is the preferred credit card to transfer balances, but because of the widespread misuse of such credit card offers, credit card companies have withdrawn all such offers.

Indeed balance transfer saves a lot of money and can save things from going worse, but many people simply don't know the right way to do balance transfer. This article takes a look at the correct process to initiate and complete the balance transfer.

The first thing to look out, when a person wants to transfer his balances is a credit card which offers the lowest apr rates and lowest balance transfer fees. Many online credit card companies offer credit card comparisons. It is indeed a good practice to search for the credit cards using their services and decide on a credit card which offers the maximum savings. It is important to note here that balance transfer APRs depend on a person's credit history. If the credit card in question offers the lowest rates, it is definitely for those with the best credit ratings. There are different balance transfer apr's for people with lower credit ratings. So, it becomes imperative that one chooses the credit card which offers the lowest apr and balance transfer fees for his credit ratings. Read more from: http://www.credit-card-gallery.com/article/414,The_right_way_to_credit_card_balance_transfers

Answer 2

My first reaction is to say "Yes". Look at the form you need to fill out and see if there are spots for other people's information, inviting you to have a joint account.

And do read all the fine print. Some of those cards give you a 0% annual rate, but only for three months or so before it jumps up to 20%, and might charge that apr on any purchases you make using that card..

Answer 3

some of those offers for 0 % on transferred balances are a ripoff just to get you to sign up and then after a short amount of time it gets jacked up to a much higher % rate so be careful they are not all they are cracked up to be. remember buyer beware.

Answer 4

yes

you can do 2 way

first confirm with whom you are buying car that you are purchasing the car thru card and you want to convert that as EMI that is one way

second way yes wat you said thatis possible you can club with your hubby income and buy the car

http://www.citybuzzer.com/