Posts Tagged ‘credit card companies’

Is American Express a good credit card?

What are the benefits? How does it compare to others credit card companies? I just like it, because I love the way it looks. It’s very stylish, I think. Also "American Express" has a nice ring to it.


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What credit card company offers air miles for you spending?

I would like to know a list of credit card companies that offer air miles for purchases. Please tell me the conversions as well… i.e. How many miles you get per dollar or so. Please answer. 10 points for best answer. :) thanks for reading.


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Reason for 0% APR Cards?

What is the reason for credit card companies offering a 0% apr card apart from the usual promotional spin? Is there somnething to do with the economic cycle we are in?


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is there a website to find the credit card that's right for you, based on what you're looking for?

Is there a website that will compare credit card companies and tell you which one offers what you want…earning flying miles, no annual fee, whatever?

Which is the best credit card?

Everyday I get see lot of offers from different credit card companies. Which is the best credit card based on your experience?


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Where/how can I find out where a credit card is accepted?

For my Economics class, I’m supposed to be comparing three credit cards, and one of the criterium is where the card is accepted. I can’t find this information on the credit card companies’ websites… any hints as to where I might look for it?
Oh, that’s a pretty good idea. Unfortunately, I don’t think I’ll have time to go there since the assignment is due tomorrow. Do you think the businesses would have it on their websites?

high interest rates on credit cards.can I lower my rates&work out pymt. plan with cc comp w/out hurting score?

Is there a company or laywer besides credit counceling that can negotiate with my credit card companies to lower my interest rate and work out a payment plan for me? ( I do not want to hurt my credit score). So, Consumer Counceling would not be beneficial. Any Suggestions?


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Is there a company in the US that can lower all your credit cards interest rate? I just received a phone call.

I’m assuming it’s a telemarketing thing because when I picked up the phone, they told me that I’m elgible to lower all my credit cards’ interest rate to 6.9% if my debt is at least ,500. And it says to press 1 to speak with someone, or press 2 to be erased. I pressed 1 to and spoke with someone, he said he could lower ALL my credit cards interest rate to 6.9%, then he asked to "verify" my information… that’s where I became susipicious…. What do you guys think? Are there such things?

I called one of my credit card companies and they said they don’t have such affliation… and that it might be an outside markerter telecompany or some sort… should I believe this "promotion" or it’s impossible?!
Ok… so they just called be back and asked, "So what did your credit card company say about us?" I told them exactly what they told me, that they don’t have such affiliation to lower my interest rate to 6.9%. He said, "well, then how do we know how many credit cards you have, and how much debt you owe?" I said, "you didn’t, until I told you guys on the phone earlier." HE HUNG UP. HAHA


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What is the best credit card company?

heyy i am gonna get a credit card and since its the financial crisis credit card companies should have some good offers. i wanna know what company gives you the best stuff and offers from which banks. Visa, american express, smart card ect…


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How does the interest on my credit cards get lowered?

I was just wondering how interest rates get lowered on credit cards? Why do some people have lower interest rates, and some have higher? I understand the whole difference between credit scores and that some people have better credit than others. But I know that every single person with a low interest rate on credit cards didn’t "call and dispute with the card company until they lower the interest rate". So, how do they get it? Is it something the credit card companies monitor regularly and lower according to your credit improvement and such over the time? I’m 24 years old, my credit score is 750+. My cards have been allowed higher credit increases in very short times that I’ve had them, due to zealously paying them above and beyond the expect (and sometimes multiple times a month). None of the cards are charged up 1/3 of their limit..less than that. What things can I do to get lower interest rates? One has 22.24%. Not sure about the other two.
Absolutely nothing bad on my credit…
Actually…while it is a good practice to stay on top of what you charge on credit cards (and to immediately pay off what you owe to avoid interest)…it’s good to carry a balance from time to time. Credit cards are for that; for credit. Meaning you DON’T have the money at the time – Thus, that’s the whole point of credit. You can buy what you need now, and pay it a little later when you have the money. Though of course, you don’t charge up what you know you won’t be able to pay back, either. But good credit isn’t built without carrying a balance at some point. If you cancel out your charge each month by completely paying it off, where’s the ongoing charge for ‘credit’? It shows them you are just playing a game, trying to make your credit better, but not being able to apparently handle needing a higher credit limit (which can and does indeed affect your credit score, that I do know). So…if they see that you "pay it off instantly", what’s the point of them upping your credit line??


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