Credit Card Questions - Answers

Credit Card Information and Questions



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Where can I get information about unsecured credit cards? iOkBadCredit.com
You can find unsecured and secured cards for poor credit on our site by searching in the basic search categories. There you will find many credit cards that will help you establish or re-establish your credit.

I filed for bankruptcy in the past and am now trying to re-establish my credit. Is there a card that will allow me to do this?
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An unsecured credit card will help to re-establish your credit. These often have processing fees or deposits, but they can help you to restore yourcredit.

Where can I find a credit card with a high credit limit and low interest rates?
We recommend searching the Premium and Platinum Cards. All of the cards in this search should meet your criteria.

Where can I get a low interest credit card that will allow me to transfer over all of my high balances from my other cards?
To consolidate your credit balances, we recommend opening a new account with a transfer of some, rather than all, of your balances, and then calling your new card company to expand the credit line. Just search in Balance Transfers and choose from many card possibilities.

I have never had a credit card before. Are there any card issuers who will be willing to accept me?
If you are a student, there are Student Credit Cards you may apply for which may match your starting profile. If you simply have never had a credit card, we recommend searching our site for cards that accept customers with Fair Credit.

I have bad credit. Is there any way a credit card company will accept me?
You can find unsecured and secured cards for poor credit on our site by searching in the basic search category Poor and Bad Credit, or just click on the Unsecured Credit Cards link to browse through unsecured credit cards only.

I have bad credit but desperately need a card with a high limit. Is there anything that I can do?
We recommend trying one of the secured cardaccounts on our site. With a deposit of about $2,000, you should be able to get a $5,000 secured credit card.

Where can I find a credit card with no annual fees?
May of the cards on our site feature no annual fees. Try browsing our No Annual Fee section.

Where can I find a card that will give me airline miles with purchases?
There are several credit cards that offer an airline mile reward program. We currently offer the Continental Airlines Credit Card (MasterCard or Visa available) by JP Morgan Chase and Co and the Delta American Express Card. These can be found in the Airline Credit Cards page.

I need a card for my business. Where do I go?
To apply for a corporate credit card, please click on Business Credit Cards. This link will give you many options of credit cards for your small business or corporation.

General Questions

Did I get approved for my credit card? How long is it going to take to process my application?
At this time our site is not a credit card issuer or a bank. What we do on our site is provide searchable information on card products from banks and institutions that offer credit cards to consumers.

If you applied for a credit card through our site and were approved and you have already received a credit card, then you should call the number on the back of your credit card for information from the issuer with respect to your card, statement, and charges.

If you did not receive the credit card for which you applied through our site, then you may not have been approved by the card issuer.Credit card issuers do not share consumer applicant data with us at this time, so we can not confirm your approval ourselves. To find out more you could contact the institution you applied to directly.

When will I receive my credit card? Our site is an online directory of credit cards and credit related products. We are not a card issuer and do not have access to your account. However, most credit cards usually take between 2-6 weeks to be delivered after approval. Can I have someone else's name on my credit card account? When you apply for a credit card, most applications will ask if you would like an additional card on the account with a different name. If you already have a card and you would like to add someone's name to your account, contact your card issuer directly to take care of this. You may also try going to our site and search the list for the bank that issued you your card or cards. Information including a customer service or corporate number is listed there for all of the credit card providers whose information appears on our sites. You may also try calling the phone number provided on the back of your credit card or on your statement to add or remove a name on your account.



How do I close my credit card account? Our site is an online directory of credit cards and credit related services. We do not issue credit of any kind. Therefore in order to cancel your card, you will need to contact the company that issued you that card. You may search our site to find the company whom you have your account with. You may also try calling the phone number on the back of your credit card or on the top of your statement. Do you receive more credit when you make minimum monthly payments or when you pay the balance on the card in full? If you pay the balance in full you pay less interest on the balance overall, but when you pay off the full balance has little to do with the amount of credit you receive. As long as you make your payments on time, your credit will not suffer from you making the minimum payment. What does Fraud Protection mean? Fraud Protection is a feature that is offered by most major credit card providers, such as Visa, MasterCard, American Express and Discover. Depending on the type of credit card you have, fraud protection simply means that you are not liable for purchases made without your consent. How do I get cash advance from my credit card? Depending on your credit card provider, you can get cash advances from ATMs, a bank, or write a convenience check supplied by your credit card provider. Fees and APRs vary according to your credit card terms and regulations. I am interested in applying for a card with online account access. How do I check my account and pay my bills once I receive my card? In order for you to access your account your online, you will usually need to set up an account with your credit card provider. You should be able to manage your accounts by typing in your login name or information and password. Can I still get a credit card if I am not a US citizen or permanent resident? As banks in the United States usually check credit reports before they extend a credit card account to a consumer, getting approved can be difficult for a newly-established or temporary resident in the US. Consumers in the category are defined as having no credit history. Most international students should be able to get a sub-account under their parent's international credit card, or be able get a credible debit card, provided they have a valid checking account. Credit reports from other countries can be pulled but they are usually costly and may require that you have perfect or very good credit.


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