We would like a credit card with no withdrawal fee, no monthly or yearly fee.
If no one ever paid for use of credit cards, the credit card companies would go out of business.
I am pretty new to credit cards and I would like to know what is the best one to get to establish a credit?
Business-minded folks with credit experience may know best what I'm trying to do. I currently have two credit cards, but both are hight-rate cards. One is paid off but the other is carrying a balance. I'd like to sign up for a new card to ride the balance from the other card at 0% for a promo period, but would like another card for the 0% apr promo on purchases. If I were to sign up for both at pretty much the same time (hit "submit" within mere seconds on the two application web pages) is it likely with otherwise excellent credit history that I could get both cards?
Alternate question:
If I just get the card with the promo on the balance transfer, will the balance transfer still ride at 0% if I make purchases? That card has an otherwise excellently-competitive interest rate for purchases. If I recall right, though, when I send in payments, I will be paying down the balance transfer, so purchases will end up accruing interest until the transfer is paid off, right? Thanks!
I just applied for an american express online and I was declined. I was thinking I'd apply for citi card right away. With the american express declined seconds ago, will this affect their decision in approving me the credit card?
