How to get off Chex Systems? Send a request letter to ChexSystems asking for a copy of your report.
ChexSystems Customer Service
12005 Ford Road, Suite 600
Dallas, TX 75234-7253
ChexSystems toll free phone number (800) 428-9623 or (800) 513-7125
Find out what caused you to be placed on their system.
Verify that the information is correct, otherwise dispute it. If the entry is correct and you owe money, pay it.
Once ChexSystems has removed the negative listing (s) you should be able to open a bank checking account.
Free credit card search makes choosing a credit card easy. Browse the most popular, best credit cards. For added security against fraud, get a virtual credit card number.
Apply for a pre-approved credit card offer based upon your credit history. If you don't know what cards you qualify for, a credit card prequalification service may be best for you
by getting soft credit report pulls. Problem credit people should consider a credit card to rebuild credit or to establish credit. If you have
no or very bad credit, consider bad credit card offers such as a secured credit card like a prepaid Visa,
no credit check cards or other types of a guaranteed card.
Or take advantage of special discounts offered by a store gift card.
For very high risk people there are options other than a standard unsecured credit card, such as an online guaranteed platinum card for online store purchases, or possibly even qualify for a charge card or a discount card from retail stores like the WalMart card or the Sears card.
Prepay credit card offers like a debit card or a bank ATM card.
Excellent credit? ewards credit cards
have perks such as a 0 intro balance transfer,
benefits like a travel credit card that rewards free airline miles, a gas card, or family entertainment offers like the Disney credit card, apply for an unsecured platinum credit card. View
Credit card interest rates. Some cards offer no interest
or a 0 introductory period on purchases. There are also some with a special 0% balance transfer period so you can transfer
debt from other cards. Review credit card
offers for features you may need such as a spouse joint credit card account. Other special offers include no deposit credit card, business credit card, student credit card and shopping cards like a Christmas credit card. Read the fine print, compare the card benefits, rewards and ratings before you submit an online application.
Credit card types include gold credit card and platinum credit card offers:
Visa credit card, such as the gold Visa card or the platinum Visa credit card.
MasterCard credit card, such as the gold MasterCard or the platinum MasterCard.
American Express card, such as the gold American Express card or the platinum American Express card.
Chase card, such as the platinum Chase card or a rewards Capital One card.
such as the gold Discover card or the platinum Discover card.
Before you apply, review all the credit card facts. Once you get the card right for you, read every credit card statement carefully and request credit card companies to stop credit card mail offers.
Browse more credit card resources.
Guaranteed platinum credit card unsecured credit line
- Some lines of credit are limited to catalog merchandise purchases. 0
interest credit card - Major credit card issuers, such as American Express,
Chase, Discover, MasterCard and Visa, offer 0 intro credit cards for an
introductory period. Most major issuers also have a Student
Credit Card and a Secured
Credit Card. Compare perks ranging from free
airline miles, rebates, to cash back credit card incentives and other Benefits
of Credit Cards which vary according to the Types
of Credit Cards like a Debit
Card or Unsecured Credit Card. Steps on how to Balance
transfer credit card debt. Offset gasoline costs with a Gas
Credit Card. Earn rewards or
cash back on gas purchases from Shell, Exxon, BP and Hess. A Cash
Back Credit Card is like having a bank savings
account, and you can accrue some fabulous interest by comparison. Understand the
universal default interest rate and Avoid
credit card rate hikes like those common to some. Credit
Cards with Rewards. Make all Credit
card bill payments timely. Chase
BP Credit Card Agreement. 'Tap & Go' Contactless Payment MasterCard
PayPass. Carefully read all Credit
Card Fine Print. Tips on how to get Credit
Card Approval and using Secured
Credit Card Shopping, Small
Business Credit Card payment tool for managing business. MasterCard
Card Promotions - New MasterCard Programs. MasterCard announces two new
promotional programs: "MasterCard Monthly Bonus Sweepstakes", and
"Small Business Zero Liability" Visa
Contactless Mini Card - Visa created a mini card to make paying faster and
more convenient. American
Express Membership Rewards - American Express Membership Rewards Program
offers unique rewards to members, retail and travel partners. Discover
Card Ranking - Keynote Systems ranks Discover Card number one for online
customer experience in the credit card industry. Discover
Card Fraud Protection - Discover Card was ranked Best-In-Class for online
fraud protection service and information. MasterCard
Small Business Survey. Discover
Card ATM Acceptance - Discover Card is now accepted at more ATMs
Promotes Small Purchases - According to Visa, the bulk of credit card
transactions are for purchases of $25.00 or less. Diners
Club Credit Card - Diners Club wins the best Affinity/Charge Credit Card
Program 'Freddie' Award. Bank
credit card rewards - National City Bank is offering points for
everyday tasks such as writing checks, paying bills online and using debit
cards. Bonus points are offered for customers who open new accounts or get new
Credit Card Services - Credit Federal announces new, free credit card
services for consumers. Credit
Card Survey shows that credit cards are being used
more and more, even for small purchases. Major
Banks and Credit Card Issuers - According to the American Bankers Association, banks
play a key role in financial education. Credit
Card Fees -
You might not be earning enough value if you are charged transaction fees.
Usually credit card rewards are worth 1 or 2 percent of the amount charged. Pre
Paid Visa Cards - Visa pre-paid card offers aimed to capture the debit card
market. Visa Contactless prepaid cards are available to clients of Meta Payment
Systems, MetaBank's prepaid card division. As with all Visa prepaid cards, the
Visa Contactless prepaid card can be used anywhere Visa debit cards are
accepted. Contactless debit cards offer consumers a secure and convenient
alternative to cash and checks. Free
Credit Card Tips - Avoid extra fees
and high interest rates: Credit
Card Use for maximum score results, or as a one time use
credit card purchase. Bill
On Credit Card Bills - Proposed legislation would outlaw some credit card
billing and interest rate practices that critics say confuse consumers and can
push them deeper into debt. Top
Credit Card FAQs with basic
tips for secured and unsecured credit cards. Debit
Cards Lack Credit Card Power - No doubt, debit cards are convenient and
popular, but they lack the power of regular credit cards. Compare
Credit Cards - Browse and compare credit cards according to rewards, APR
interest rates and consumer ratings. Prevent
Debit Card Fraud - Because of their convenience and power, debit card
holders are potential scam victims. Bad
Credit Card Marketing - Bank settles bad credit card marketing allegation of
a fee nearly the credit line amount. Where
Have Bad Credit Cards Gone - Sub-Prime (Bad Credit) Credit Card Offers seem
to be vanishing from the internet. Not
Good Credit Cards - Five major credit card issuers come in second to credit
union card offers. Credit
Card Interest Rate Cut Impact - What impact does the recent federal interest
rate cut have on credit cards? New
Credit Card Offers - There are new credit card offers; green is now added to
silver, gold, platinum and titanium. Credit
Card Savings Accounts - Rewards cards offer automatic deposit savings
Credit Card Application - Poor Credit Score? Credit card applications to
and Best Credit Cards - J.D. Power and Associates' ratings of the baddest
and best credit cards. Personal
Gift Credit Cards - Personal gift credit cards can offer more wow than
simply giving cash. Gift
Credit Card Shopping - Tips for Choosing the Best Gift Credit Cards for
Holiday Shopping. UK
Credit Card Rate Increases - More than one UK credit card company is
increasing rates and fees. Purchased
and Free Gift Cards - Some credit cards offer the ability to earn free gift
cards, or you can buy gift cards directly from retailers. Credit
Cards and Credit Reports - Certainly credit report scores decide if you get
approved for a credit card and the interest rate you will pay, but what about
future rate changes? Bad
Credit and Credit Cards - While bad credit people can get credit card
approval but at higher rates, now even good credit people are seeing interest
rate increases. Bad
Credit Card Issuers or Bad Practices? Will sub-prime, bad credit cards follow the same path of
destruction as the sub-prime mortgages? Credit
Card Fair Fee Act - Credit Card Fair Fee Act takes on Visa and MasterCard
credit card companies to help business merchants negotiate transaction
processing costs. Credit
Card Phone Number Directory - Credit Card phone number directory. Directly
call a credit card company, toll free. Keep
Credit Card Accounts - credit card companies are closing some
customers' credit card accounts in an attempt to save money. New
Credit Card Company Rules Regulations - The federal government is proposing
new credit card company rules and regulations to ensure cardholder fair
treatment, particularly bad credit cards. Unfortunately, this may create higher
interest costs for good credit people and no credit card offers for poor credit
Charge Cards And Gas Credit Cards - Some people don't want; or don't qualify
for, regular unsecured credit cards, and choose store charge cards and gas
credit cards instead. Here are free tips for using them. Tips for Using Store
Charge Cards and Gas Credit Cards. Negotiate
Credit Card Interest Rate - If you've been a good customer with your credit
card company, you can negotiate a lower credit card interest rate. Gas
Credit Card Rewards - Gas credit card rewards can offer some relief via cash back.. Best
Credit Card Benefits+Rewards - many of these go
unused by cardholders. ATM
Debit Card Fraud Tips - In support of ATM & Debit Card Safety Awareness
month, PULSE; a Discover card product, offers tips on ATM and debit card use for
privacy protection and to prevent fraud. Instantly
Approved Pre Pay VS Platinum Rewards - Before you compare perks and
benefits, first weed out cards that may not help you. Subprime
Credit Card Lawsuit - The Federal Trade Commission (FTC) files a lawsuit
against CompuCredit and Jefferson Capital for its marketing of a subprime credit
Over Limit Fees - ways
to prevent going over-limit. Credit
Card Secrets - Hidden facts you probably didn't know.. Credit
Card FAQs - Common questions turned into credit card facts. Your
Credit Card Rights - new credit card
rules that eliminate several unfair practices in the credit and banking
Credit Card Account - Before you cancel credit
card accounts, read this article. Close
Credit Card Account - Free sample letter on how
to close credit card accounts. Credit
Card Application - Browse for the secured or unsecured credit card that has
Credit Card Rate for you. Extra
Joint Spouse Credit Cards - In addition to having a joint spouse credit
card, there are occasions when you may want to have extra credit cards for
rewards or other perks. Submit your good or bad credit card application online. Credit
Cards Vs Checks - more companies plan to
increase use of business credit cards instead of paper checks for making
Credit Card Advice - prevent high balances and to get a good credit score.
Credit Card Rap - Credit cards suffer a bad rap, much of which is
undeserved. There are both good and bad credit card features. Federal
Credit Card Survey Ratings - credit
terms include type of plan; variable or fixed interest rates as well as other
credit card rewards such as purchase discounts, travel points and cashback. Credit
Card Interest Rate OptOut - If your credit card issuer has notified you that
your card's interest rate will increase even though you don't have bad credit,
you could negotiate a lower rate, optout completely. Really
Free Credit Report with No Credit Card - one website offers a truly, really free credit report with no credit
card required. Gas
Cards with Rewards -
Some gas cards with rewards include cash back when consumers charge for fuel or
other auto related expenses. Sample
Credit Card Dispute Letter - Print this free, sample credit card dispute
letter to send to your card company. Apply
For A Balance Transfer Credit Card - advice on what to look
for before submitting your application. Canceling
Credit Cards Causes Bad Credit - Canceling credit cards could cause bad
credit if you reduce your credit history and available credit limit.
Card Interest Rate Rights and Options - If your issuer notifies you of a
credit card interest rate increase, can you reject the higher rate? Learn your
options and rights. How
To Qualify for Credit Cards and rebuild bad credit. Joint
Credit Card Accounts - Most gold and platinum unsecured credit
cards offer an additional spouse card. No
Fee Free Credit Card Offer - Is it really a no fee, free credit card, or
only free if certain terms and conditions are followed? Credit
Card Holder Rights Act is to protect you. Best
Credit Card Deal Gone Bad - Chase; considered by many to have offered one of
the best credit card deals for people carrying a large balance, has reneged on
an agreement and upset card members.. Credit
Card Opt Out Agreement - Does your issuer offer a credit card opt out
Credit Card Survey Ratings - Bi-annual Federal Reserve System ratings survey
of plan terms offered by financial institutions and credit card issuers. The
credit terms include type of plan; variable or fixed interest rates as well as
other credit card rewards such as purchase discounts, travel points and cashback.
the Lowest Interest Rate Unsecured Credit Cards - Free tips on choosing the
lowest interest rate unsecured credit cards, from gold to platinum rewards. Credit
Card Limit Cut - Was your credit card limit cut? Your options, and why
government law pushed your credit card company to cut your max limit. Chargeoff
Credit Card Debt To Avoid Bankruptcy - chargeoff credit card debt either yourself for free or by hiring a debt
settlement company to negotiate on your behalf. Settle
Credit Card Debt - Many have maxed out several credit cards and the late fees and high
interest rates are getting them deeper in debt. Credit
Card Medical Bill Payment - some people make medical
bill payments with a credit card. Close
Credit Card Account - instructions how, to close credit card
accounts and the letter to send to the credit card company. Who
Pays Joint Credit Card Account - Options to cancel a joint account or to remove a
spouse name from a joint account, including payoff and negotiating a debt
Credit Card Company - Whether you want a secured or unsecured credit card
for bad credit or excellent credit, first review the best credit card company
ratings before you submit your online application. Cancel
Credit Card Advice Question - what do you do if you dispose of credit cards before canceling them?
Credit Question: ATM
Debit Card Tips for Secure Handling - Review our free ATM debit card tips
for secure handling of your card and withdrawals. What
is a credit card chargeoff - Typically a charge off is when a creditor,
bank, or bill collector writes off a balance as "bad debt" because
they believe they can't collect the debt. ATM
Debit Cards and Rebuilding Credit - Facts and benefits of Debit Cards and
how a credit card can rebuild credit. Balance
Transfer and How to get the Best Credit Card Deal - Read our article before
you balance transfer debt, and learn how to get the best credit card deal. Balance
Transfer Credit Card Offers, Tips and Advice - Get the maximum benefit of 0
intro balance transfer credit card offers by reading these free tips and advice.
Credit Card Account Advice - Free credit card account advice about the rates
and fees for new card offers before you submit an application. Bad
Credit Card Application Advice -
consider banks and credit card companies that specifically offer subprime cards
to rebuild credit scores. Advice
to Rebuild Credit with a Credit Card - Use the card
to make small purchases that can be paid in full each month. Secured
Prepaid Cards and Unsecured Credit Cards - There are a lot
of choices and variables to choose from. Credit
Card Deals and Education - With credit card education you will be
best able to choose the right deals for you. Christmas
Credit Card Shopping - Get shopping rewards through special Christmas credit
card offers. Christmas
Credit Card - Christmas credit card and shopping tips. Best Christmas gifts
are low interest credit cards. What
is Worse than a Credit Card? - Cellular phone
companies have far worse negative impacts on consumers' finances. Credit
Card Comparison Guide - Review introductory
interest rates and special rewards offers to help you choose. Good
or Bad Credit Card - Credit card issuers are trying to change their image
from bad to good. Tips
Before Submitting Credit Card Applications - Credit cards serve as a very important factor to
obtain good credit if you pay off your balance monthly. Platinum
Credit Card Prequalification - Why is a platinum credit card only for good
credit people? Read our credit card article to learn about prequalification. Choosing
a credit card right for you. - Article: Choosing a Credit Card Offers -
which is best and best for you? Not only are there different issuers, there are
many different types of credit cards, so how do you choose a card that's right
for you? Prepaid
Credit Card - Apply online, and learn he Benefits of a Pre-paid Credit Card.
Read our free article: No
Deposit Credit Card - No deposit credit card: Apply online, and read our
credit card article. Preapproved
Credit Card - Learn what is a preapproved credit card and apply online. You
may already be pre-approved. Read our credit card article: What
kind of card can I qualify for? - Have a difficult time choosing a credit
card so you just apply for a lot of cards? Don't jeopardize your credit
score and make bad credit even worse. Why
People Choose Credit Cards - People choose credit cards
because the benefits can outweigh the bad. Credit
Card Error Codes: Response Reason Codes and Response Reason Text - This
transaction has been approved. More
Easily Understand Credit Card Agreements - ConsumerFinance.gov developed a
shorter, simpler credit card agreement that spells out the terms for the
Out of Christmas Credit Card Debt - advice on how to payoff, consolidate or
Christmas credit card debt. Credit
Cards VS Charge Cards Which Is Better - there are important
I pay off my credit cards or my car loan first? Which option would save me the
most money? - In most instances, focusing on paying off credit cards vs auto
loans not only saves you more money, but may also help improve credit more, too: Bad
Credit Debt Consolidation Loan to Pay Off Credit Cards - I'm a non-homeowner
and I don't qualify for a debt consolidation loan. Is there a way I can get a
bad credit loan to pay off credit card debt? Democrats
Allow Higher Credit Card Fees - The Consumer Financial
Protection Bureau acknowledged its proposal would increase costs for some
cardholders and allow banks to charge more in fees. New
Jersey Democrats To Hijack Idle Gift Card Balances - Democrats of New Jersey
are eye-balling the unspent balances of their state residents' gift cards.What
is the difference between a charge card and a regular credit card? - Charge
cards are a type of credit card that require you to pay the full amount you've
charged each month. There are no periodic finance charges, and charge cards
often come with rewards. Use
Extra Money to Payoff Credit Card Debt or Put in Savings Account - I came into enough money to payoff my credit cards. What should I
do. Payoff credit card balances or put that money into a savings account? Credit
Cards by Credit Score Rating - Instead of wasting time submitting multiple applications, review credit score
requirements and use a credit card matching service. Can
a Credit Card Company Place Lien on Property? - Actions a Credit Card
Company or Other Lender can take Against You for Default Non-Payment: Civil Court
Law Suit. Be
a Smarter Credit Card Comparison Shopper - There are fabulous card offers
out there, but don't fall victim to glitz and hype. Most
Popular Credit Cards - Review the best credit cards for gas
purchases, sky miles, travel and balance transfers. Getting
Your First Credit Card - Common mistakes to avoid. Credit
Cards for Travel Benefits Abroad - If your vacation leads you overseas,
compare the best credit cards for traveling abroad. Add
Child as Authorized User on Credit Card - Is it wise to add a child as an
authorized user on your credit card? Vacation
Travel Credit Cards - which
travel credit card to pack along for hotel, motel, airline sky miles and other
One Credit Cards for All Credit Scores - Whatever your credit history,
Capital One has a credit card (or secured card) for you. Student
Credit Card Use Tips - How student credit cards should be; and should not
be, used: Best
Credit Card for Gas - The single, best credit card for gas and travel, meets
two predominant requirements: the card which best meets your needs, and the one
which you qualify for. Are
Paperless Credit Card Billing Statements Better - consider the cons. Advice
for Common Credit Card Problems - If your credit card interest rate goes up... You can
do one of four things. First
Credit Card Application - Advice for submitting your very first credit card
application, receiving and understanding important issues before making your
first purchase charge. Affects
of Maxxing Out Credit Cards - Although
you may be aware that the issuer may charge an over-limit fee, many people are
ignorant as to how this impacts other financial areas. First
Time Credit Card and Loan Applicants - How first time credit applicants get
approved for credit cards and loans. Retail
Credit Card Rewards - There are plenty of store cards, yet weigh all retail
credit card rewards, terms and conditions before you apply. Types
of Banks for Credit Cards and Business or Personal Loans - A retail bank is a bank that works with consumers. These
banks provide basic banking services to the general public, including:* Checking
and savings accounts* CDs* Safe deposit boxes* Mortgages and second mortgages*
Auto loans* Unsecured and revolving loans such as credit cards Save
Money with Back to School Credit Card Rewards - Take advantage of back to
school credit card rewards to save money on student expenses.. 0
Intro Credit Card Reviews - The longest 0 introductory credit card offers. How
to Choose a Credit Card for Christmas - With so many variables in interest
rates, points, rewards, introductory periods, balance transfer programs and the
confusing terms, it's no wonder it's difficult to choose. How
to Negotiate Christmas Credit Card Debt Settlement - It's not unusual to go
into the holidays with debt already on your credit cards, and then adding yet
more charges. Get
out of Credit Card Interest Reduction Scams - The FTC requires credit card
interest reduction companies to not charge a fee until after the service is
Credit Card Payment - How to Reverse a Credit Card Payment Charge with your
card company issuer or with the merchant seller. Credit
Card Grace Period Explained - You know what it is yet you may be surprised
by what you don't know. General
Financial and Credit Card Account Sharing - There are pros and cons involved
with general finance and credit card account sharing, yet mostly negative.
Credit Card Accounts - There's the wrong way and the right way to manage
credit card accounts to save money and protect scores. Credit
Card Company Complaints - Credit Card Companies with the Most
Cards that Benefit Animals - Best Friends Animal Sanctuary - Chase
Bank offers an affinity credit card that benefits the Best Friends Animal
Credit Cards -
First thing you need to determine is what cards you qualify for. What
is Credit Card Blocking - when a company reserves a certain
amount of money against your credit card limit. Charge
Off Christmas Credit Card Debt - How to Charge Off Christmas Credit Card
Debt Yourself. What
Happens After You Swipe Your Credit Card - what happens after you swipe your credit card in the
to get every cent from Gift Cards - Don't leave money on gift cards. Credit
Card Limit Lowered - What to do if your credit card limit is lowered by your
Cards that can Only be Used for Gas - cards that can
only be used for gas purchases. Hidden
Credit Card Benefits - The best hidden credit card benefits are the ones
right in your face. Free
Credit Card Money - How rich people get free credit card money . How
Using Credit Cards Affects Credit Score - Credit scores consider both your total
balance to limit ratio (also called the utilization rate), and your balances as
compared to the limits on each account. USAA
Credit Cards - Compare Cards which offer low rates, rewards,
military benefits and no annual fees on select cards. The
Affects of Just One Credit Card Late Payment - Beware the affects of just one late payment on a credit card.
Match Credit Cards - Price match credit cards may not be a new offer, yet it
can save you plenty of money. Debit
Card User Warning - Using a debit card is not as safe; and protected, and
using a credit card. Credit
Card Cautions - so you can enjoy the very best
of your card. Credit
Cards that Increase Limit for Spending - Selection of credit cards that
increase limit for spending on everyday purchases. Car
Rewards Credit Cards - With an auto rewards credit card, you can earn points
to use toward the purchase of a new car. Places
Not to Use a Debit Card - Here are very risky places not to use a debit card
for purchases. Retail
Store Credit Cards Non Expiring - Some retailers are doing away with expiration dates for their
store cards. Credit
Card Company Free Credit Scores - You may get totally free credit scores
from your credit card company. Credit
Card Benefits and Perks - Credit card companies offer less advertised perks
and other benefits to cardholders. READYdebit(R)
Platinum Visa(R) Prepaid Card - Review Issuer Comments. Quicksilver
Cash Rewards Credit Card Benefits - earn unlimited
cash back with no annual fee Dispute
a Billing Error to Credit Card Company - How to Dispute a Billing Error to
Your Credit Card Company, including American Express, Chase, Citi, Discover,
MasterCard, Visa, USAA, Bank of America, US Bank, Capital One, Wells Fargo, HSBC
Bank and PayPal. How
to Report Lost or Stolen Credit Card - Emergency contact telephone numbers to report lost or stolen credit cards,
ATM or debit cards. First
Time Credit Card Applications to Build Credit - Review first time credit card applications
that help build credit. How
to Compare Credit Cards - by Reviewing Terms and
Conditions, Interest Rates and Rewards What
is Credit Card Churning - It's earning rewards
for submitting credit card applications. CashBack
Rewards TD Credit Cards - Review TD Credit Cards Offering CashBack and
Cards that do Soft Pulls - Credit Cards that do Soft Pulls with No Credit
Cards that make You look Rich - the
sound of a metal card is almost like a trumpet blowing, announcing the King has
Credit Card Fees - Review Fees and Issuers Offering No
Credit Card with High Limit - for Bad
Credit People Unable to Qualify for Standard Unsecured Cards Credit
One Bank Cards - Our cards are
even available to those who have had credit problems in the past and those who
may have little credit history. Credit
Cards You Can Use Right Away - immediately after applying. Most
Costly Credit Card Perks and Rewards - Decide if the Fees are Worth it. Spot
and Stop Credit Card Addiction - Are you truly poor or do you have a
charging problem? How to spot and stop credit card addiction.
Card Score Ups and Downs
Credit Card for Teenager
Limit Credit Cards
and Personalized Credit Cards
Credit Card for Vacation Rewards
Credit Cards with Easy Approval
Card Loyalty Programs and Rewards
Types of Credit Card Rewards Programs
Credit Cards for Unemployed
Vacation Credit Cards
Rewards Credit Cards Offering Restaurant Perks
Back to School Credit Card for Savings Rewards
Cashback Rewards Cards
Good or bad credit auto loan quote. Apply for a new or used auto loan, or for car refinancing.
Credit Report: Free credit report help to fix credit report errors and improve credit score ratings.
Debt Counseling: Nonprofit credit counseling, unsecured debt consolidation or free debt settlement.
Free Credit Offers: Get no obligation credit offers and receive alerts and tips to manage personal finances.
Home Loan: Stop paying rent and live the American dream.
Mortgage Refinancing: 2nd mortgage loan for remodeling, equity cash out or a debt consolidation loan.
Payday Loan: Get a good or bad credit unsecured loan with no credit check and no collateral.
Personal Loan: Short or long term personal loan.
Personal Finance: Create a personal budget, balance a checkbook, file bankruptcy and more.
Free Help: Personal finance newsletter, credit advice and tips.
Interest rates: National averages of credit card, mortgage, refinancing and auto loan interest rates.
Visa Credit Card Highlight - Capital One® Venture Rewards Credit Card
This is among the best travel rewards credit cards. Though many rewards cards offer a standard one point per dollar spent, with the Capital One® Venture Rewards Credit Card you can earn two miles per dollar on every purchase.
The miles can be used to fly on any airline, any time with no restrictions or blackout dates.
The Venture Rewards Credit Card does have an annual fee.
Milestone Gold MasterCard
Fast and easy instant decision
Choose your custom card design - Free
Free online account access
Previous bankruptcy OK
* See website for details
$0 Monthly Fee
No credit check or ChexSystems check
Instant account number
Free Direct Deposit
Earn purchase rewards and Refer-a-Friend cash bonus
* See website for details
Pre-approved credit card for bad credit. Understand what a preapproved card offer means. Apply online for an unsecured credit card or a secured card.
Pre-Approved Credit Card Score Requirements: The averages below are merely
estimates to give you an idea of your qualifications for credit card approval.
For actual score requirements, contact the card issuer.
card rejection likely
card rates will be high
and card rates
good card rates
lowest card rates
MasterCard unsecured credit card. The best card for bad credit just got better. Orchard Bank credit card program offers credit cards to those with little or damaged credit. We've helped millions of people obtain credit – Let us help you too.
Aspire Visa® Gold Card. Have bad credit or looking to re-establish your credit? Apply for an unsecured Aspire Visa® Card and receive a 30-second online response - no fee to apply.
What is a pre-approved credit card -
Pre-approval is based upon known credit or data supplied when applying for a credit card. An offer for a pre-approved credit card may be subject to a credit report review to ensure no changes have occurred which may void the preapproved credit card offer
Creditors evaluate risks. If you now have bad credit or bankruptcy, it's unlikely to be approved for high credit limit, reward or rebate unsecured credit cards. For bad credit we recommend credit cards to rebuild credit.
Typical areas issuers review when offering a pre-approved credit card:
*Your known past credit history
*The requirements for credit card approval
*Similar credit cards already in use
*Balances of existing credit cards
*Income to debt ratio
*The possibility you may react to the pre-approved offer.
Credit card issuers seek new customers. For example; a card issuer may request one of the credit bureaus (Equifax, Experian, or Trans Union), for a list of consumers whose credit reports meet the card issuer's qualifications. The bank may send a list of consumers obtained elsewhere (e.g. from a marketing database company) and have the bureau return a matching subgroup for the "Pre-approved" offers.
If you have a copy of your credit report, you may see inquiries that are designated as "promotional." This means that your file was checked for a "pre-approved" list, although it does not necessarily mean that you qualify to receive an offer. Since this type of inquiry was not initiated by you, it is not seen by other prospective creditors to whom you might apply, and it will not reduce your FICO credit score.
When the application is submitted, it goes to a processing center where the data is entered into a computer system which then does a credit check. This is to determine if anything in the consumer's credit file has changed for the worse since the original sweep, and the qualification criteria may be higher. This credit check (not the original one) is used for final approval or rejection of the application. Sometimes small changes in the consumer's file (like total available credit or balance-to-limit ratio) since the pre-screening can result in a rejection. Final approval is also dependent on your application information (income, etc), so if this is insufficient you may be declined.
Don't want to receive pre-approved credit card mail offers? Learn how to stop credit card mail.
In short, a "pre-approved credit card" offer is not always a guaranteed, instant approval.
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ConsumerBadCreditGuide.com Review - ©2003 Consumerbadcreditguide.com
Getting A Checking Account While On The Chex System: The Chex System provides deposit account verification services to its financial institution members to aid them in identifying account applicants who may have a history of account mishandling (for example, people whose accounts were overdrawn and then closed by their bank). The service sounds useful, and it is for banks and financial institutions. It alerts them to cases of fraud and other abuses. Those who routinely and intentionally write bad checks should have their criminal activities recorded in Chex Systems. However, not all negative activities are examples of fraud or intentional misuse. Most of us have written at least one check that has bounced, but they make it sound like we are all criminals. Even if you had a checking account closed in the negative balance and did not pay the negative balance in time, they will have reported you to the Chex System. To top it off, we have heard stories of people reported for amounts less than fifty dollars.
Where can I dispute my Chex System report? Please submit your dispute in writing to:
Mail: Chex Systems, Inc.
7805 Hudson Road, Suite 100
Woodbury, MN 55125
Phone: By phone at 800-428-9623 or fax at 602-659-2197
They claim that you will be notified of the results within approximately 30 days and if errors are discovered and they will be rectified immediately. If the reinvestigation does not resolve your dispute, you are entitled to request a brief statement be added to your consumer file outlining the nature of your dispute. Here’s how: Send a statement to them, in writing, that clearly indicates that you want that statement to be added to your file and make sure you sign the request.
What to do if your reported to the Chex System? Do not close any other checking accounts or your savings accounts. Keep the balances in the positive
Pay all overdraft fees as soon as possible. Note: Learn about the Federal Reserve's New Overdraft Rules For Debit And ATM Transactions
Make good on the checks. Once you have paid the overdraft fees and satisfied everyone who received a bounced check, have a short explanation inserted into your Chex System file.
Finding a bank and opening a checking account while on the Chex System: Just because you are on the Chex Systems, this does not mean that you will be denied a checking account from your local bank. Sometimes this can be overlooked by the bank to open a new account if they want your business.
There are several banks On-Line that will approve checking accounts to individuals who are on the Chex System, but are limited to check cards with no check writing privileges, so we did not list them on this site. We have however, heard of some reputable banks that include Etrade Brokerage (Please Note: Only Etrade Brokerage will approve you and not Etrade Bank). This brokerage account can be used like a checking account and you can order checks. One of our staff members was just recently approved at Etrade Brokerage with a negative Chex Systems report. Please also note that our staff member did not order checks when he first applied to increase the chances of approval, however he did order a check card. A $500 minimum balance is also required.)
Next, Compass Bank claims to have a second chance program for personal checking accounts. Also, Chase has an account called Access Checking specifically for people on the Chexsystems. You don't get checks but you do get a debit card with rewards. After a year of good standing with Chase they will upgrade it into a normal account. Next, Woodforest Bank offers a checking account for customer's who might have experienced difficulties with another financial institution in the past. Please visit your local branch to determine if you qualify for this account type. There is a required opening deposit of $50.00 and a one time account set up fee of $9.00. There is a monthly service charge of $7.95 if you have direct deposit, and $9.95 if you do not. Finally, if you are looking for a business checking account and have a EIN number, you may want to try Bank Of America (Please note that a few people have recently reported getting denied by Bank Of America).
Credit card perks come in all types and during the holidays a popular card is usually one with travel rewards or bonus. American Express, for example, has great cards and they offer a platinum card with benefits. Examples of rewards are like being able to check a bag, have a meal in the air, a credit toward something at an airport, or many other perks a frequent traveler may like. They could offer some type of travel bonus where points may be redeemed and the cardholder may be able to earn additional points.
Travel cards often let their members redeem points for room upgrades, free meals, rewards toward an airline, a hotel, a cruise, a vacation, or tickets to attractions. One great benefit is if the points can be use on any airline with no blackout dates, this makes many frequent travelers really get the most out of their card's perks. Benefits may even include some type of mobile application that can assist while traveling, to find out airport information or other useful travel information. Credit card companies are striving to give their members more for their spending, and offer enough perks to gain more customers by enticing them with valuable rewards. For people who do not travel enough to get a card with travel perks, there are many other choices like cash back cards and prepaid cards. When credit is bad, there are even cards to rebuild credit. No matter what type of credit, there are many card choices.
offer new services for their members, and credit cards frequently offer
new types of services for their card members. Visa Inc. runs promotions all the
time and they have a couple of online shopping services for their members to be
able to shop online for things from the United States. The two services involve
Borderlinx in twelve countries and SkyBOX in over forty countries in Latin
America. These two will benefit both consumers and merchants by allowing card
members to register and shop online with merchants from the U.S. and the U.K..
and SkyBOX provide shoppers with a personalized U.S. shipping address so
retailers can mail purchased items to the cardholder's home country. This will
encourage cross-border online shopping and should help many members. Visa has
created some special offers like shopping sprees and discounts. The new service
could help with increase cross-border eCommerce sales, along with fast delivery
and good prices. Borderlinx is offering some savings for Visa cardholders in
specific countries during the promotion period.
Latin America, SkyBOX is offering a discount on first shipments along with free
registration. For particular country offers, it is important to visit the Visa
website for these details and more information. A problem of cross-border
eCommerce is the delivery of goods as it can be costly purchasing from U.S.
based online merchants. Borderlinx and SkyBOX can help with some cross-border
eCommerce transactions. It can give international Visa cardholders the ability
to shop online and purchase from thousands of U.S.based retail stores.
are always looking for ways to manage their lives whether through credit
cards or other means, and many new products and services can be helpful.
Merchants always like to increase their online sales and cardholders like to
have new services added that may offer savings as well as more options.