If you want to get secured credit cards, actually it’s not hard! in fact it’s pretty easy! all you have to do, is apply and fill secured credit card application! after they receive your application, I am sure they will contact you and tell you to deposit some money as warranty! and there’s no history some company reject application for secured credit cards! 😀 and if they do! I must said, that company are a little bit to much! because from my POV, secured credit card are the most profitable business! because whoever they is, that run that kind «Read More MyCredits »
Does My Fedloan Have bad costumer service ? well, probably yes, since they use student to handle complaint via phone! so I am sure they make some mistake 1 or 2! but it doesn’t mean Fedloan Servicing are Scam!
To be honest I saw many bad review about fedloan costumer service, some people said, they always fail when submit document to change payment, and some said, about increase of monthly payment etc. on and on!
and if I have to badmouth about their servicing, and about how they works! trust me, it can take hundreds of pages! the reason «Read More MyCredits »
vystar credit card, are they worth to apply ? well to be honest, this is tricky question! because obviously Vystar are not bank! Vsytar are Credit union! so if you big fans of bank, probably Vystar are not your priority choice! but if you open minded person! then my suggestion is, Credit Union are the most perfect answer to get loan with low interest rate!
Bank will not give you small interest rate, because of 1-2 reason! first is tax! secondly they must make profit and share with investor! so whether they like it or not! bank should apply «Read More MyCredits »
To be honest bancfirst credit card are quite interesting, because they offering low APR! from range 9% to 20%! and also no annual fee! amazing! :O because for most average credit cards most of them will give you offer about 14% to 21% meanwhile banca First give you 9% APR! to be honest this is not normal! at least for bank average APR this is, quite interesting!
I am not surprise if some Credit union give you APR 5%! 🙂 but for Banks ? no way! and also when I read their wikipages, it said, banca First are the «Read More MyCredits »
primeway credit card are they worth to apply ? well, if 10% APR are not good for you, maybe Primeway are not the one for you! though, if you think 10% are good offer to miss, then you must apply with them! there’s nothing wrong having 2-3 credit cards in your pocket! especially if their APR are much better than citi APR! i.e 14% if some cards can offer lower than 14% APR to be honest with you, that credit card company must be good! 😉
Because the fact is, no company that can give best offer to 10% «Read More MyCredits »
To be honest lgfcu credit card APR are not tempting! but of course, if you compare their APR with CITI, their APR are much more better! i.e 10%, but for average credit union, 10% are not to impressive! it’s just average! 🙂 because if you look other Credit union, some of them can give you 5-7% APR! but of course 10% are good enough! and from what I read on the net, their costumer seem very satisfy with LGFCU services! they said they fast handle problems! and everyone never having serious issue with LGFCU!
Most credit union credit card, «Read More MyCredits »
microcenter credit card good deal or bad deal ? well, from their APR i.e 27%, I can tell their credit cards are not good! most of people that want to apply with them simply because $100 rebate! not so sure that offer still valid or not! though credit cards that have 27% APR with 12 month intro! most of the time, if you can’t manage your debt wisely, it will likely your debt will increase after time! so basically $100 rebate same like peanuts, if you compare with 27% APR!
But if you really good dealing with debt management! «Read More MyCredits »
what is a good interest rate on a credit card ? well, to be honest this is tricky question! 😉 because for some people APR 10% are good! but for veteran or experts! 5% are more than enough! 😉 so basically it will depend on many factor, situation and condition! for example, for people that have fair, or bad credit! the best offer they can get is about 18% APR or 1,5 interest rates per month!
But if you have high credit cards transaction! even standard APR are about 14% actually they can ask credit card manager to decrease «Read More MyCredits »
if you looking for credit cards with no balance transfer fee, actually there is! but for most conventional or regular credit cards, most of them will charge you a fee! because for some reason they know, you will do that! and because of that they make money! 😉 so the most important question is, is there any credit cards, that will not charge any fee if we do transfer balance to another account ? well, there is one! or maybe a hundreds credit cards, that have kind of benefit! 😀
and Good news is that credit cards company are near «Read More MyCredits »
If you want get best offer Credit cards such as, Low APR, low Fee, and high Credit limits, Credit Union could be the best option for you! although not all credit union can give everything, but at least most of them can give low APR for loans product! since most credit union only for certain area, here the list of credit union if you live in Fresno CA,
- Pacific Service Credit Union, their number (888) 858-6878
- OE Federal Credit Union, their phone number (559) 241-0508
- Fresno County Federal Credit Union, their phone (559) 252-5000
- Golden 1 Credit Union ,
«Read More MyCredits »