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Credit Card FAQs

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There are several credit score websites but they all give different scores. Which one is accurate?

[August 29th, 2014]

There are three major credit bureaus: Experian, Equifax, and TransUnion. You can get one free credit report from each of the credit bureaus. Your scores from these credit bureaus can a bit differ because not all creditors report your credit activity to all three bureaus. And every credit bureau has its own formula to calculate […]

I need a small business credit card but I have a bad personal credit. How can I separate my business and personal credit history?

[August 22nd, 2014]

To qualify for a business credit card, your own credit history should be at least average. Once you have a business credit card, the credit card issuer will report your company credit activity to a business credit bureau. You will thus have a separate credit history for your business. Try to improve your current credit […]

What is an annual fee? I have a credit score of 578 and am working with a credit agency to raise my credit score, I’m looking for a credit card that has a low to no interest rate at least for 18 months, and after the 18 months I still need the interest rate to be reasonably low. What’s your advice for me?

[August 21st, 2014]

Annual fee is a fee you should pay the credit card issuer every year you use the credit card. Annual fee is usually charged at the beginning of every year of your card membership, but some issuers can divide the annual fee into twelve equal charges and charge it monthly. Your current credit score is […]

Is the Tronix Country credit card can only be used for purchasing electronics or can it be used for other things like medical reasons? And is the credit line really $3,500?

[August 20th, 2014]

The Tronix Country card can only be used for shopping at tronixcountry.com. You won’t be able to use it anywhere else. Your initial credit can be increased over time up to $3,500. If you need a credit card that can be used anywhere, you should consider applying for a card which has a Visa, a […]

I would like to know how does the loan process work.

[August 19th, 2014]

When you submit your application, a lender will determine the amount you can be given or agree on the amount you indicated. The amount of loan depends on your credit score and your creditworthiness. You also should have a bank account which accepts deposits. Once approved, a lender will deposit your loan into your bank […]

How to find a no-limit credit card?

[August 19th, 2014]

You won’t find a credit card with no limit but you can find a card with no pre-set spending limit. For example, the Citi® Hilton HHonors™ Visa Signature® Card does not have a pre-set spending limit but it does not mean unlimited spending. It means that each charge that causes your new balance to exceed […]

What is the best prepaid debit card to build credit and which is reported to three credit bureaus?

[August 18th, 2014]

You won’t be able to build your credit using a prepaid card because prepaid cards are not reported to major credit bureaus. With a prepaid card you use your own money, not the money you lend, so there is no credit activity to report. If you want to build your credit, you should apply for […]

Will a credit card increase my credit score?

[August 8th, 2014]

If you want to increase your credit score using a credit card, the card should be reported to the major credit bureaus. Most major credit cards are reported to the credit bureaus. Prepaid card are not reported. If your credit is bad, a secured credit card can be a good option for you. It requires […]

What kind of card can I get if I have good credit?

[August 6th, 2014]

If your current credit history is good you can choose a credit card with rewards or a card with 0% interest introductory period. There are a lot of credit cards to choose from, so make sure you compare the offers before you apply. If you do not know your current credit score, you can use […]

I need a credit card. I have excellent credit but no one wants to approve me. What can I do to get a credit card?

[July 29th, 2014]

Make sure your current credit is excellent by checking your credit reports. When you know your credit score you can choose a right credit card for you. You can also use our credit score estimator to see your approximate credit score and the cards you can apply.

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AcclaimVisa.com is an independent, advertising-supported web site. AcclaimVisa.com is compensated by the credit card issuers whose offers appear on our site. This compensation can impact how and where credit products appear on our site, including, for example, the order in which they may appear within product listings. AcclaimVisa.com does not offer, review or present all available credit offers.

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