When can a card issuer look at my credit report?
A card issuer can look at your full credit report when you apply for a credit card. If you are a customer of the card issuer, it can look at your credit report at any time.
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A card issuer can look at your full credit report when you apply for a credit card. If you are a customer of the card issuer, it can look at your credit report at any time.
Card issuers cannot deny credit or offer less favorable terms on the basis of sex or marital status. Typically, card issuers may not even ask your sex on an application form, and the form has to disclose that you do ...
Most new credit cards are sent in a de-activated state to the mailing address you provided on your application. This is to prevent unauthorized use should the card be stolen before you receive it. Instructions on how to activate the ...
Card issuers may use a credit reporting agency to make firm offers of credit to consumers whose credit histories meet the criteria asked for by the card issuer (for example, a minimum credit score). This does not mean the credit ...
You can opt out of receiving certain mailings for five years by calling 1-888-567-8688 or visiting www.optoutprescreen.com. You can also opt out permanently by following the instructions online at www.optoutprescreen.com. To complete your request, you must return the signed Permanent Opt-Out ...
Card issuers are required to let you know how long it will take you to pay off your current balance if you make no further charges and pay only the minimum amount due each month. They are also required to ...
A daily periodic interest rate is calculated by dividing the annual percentage rate (APR) by either 360 or 365, depending on the card issuer. The resulting daily periodic interest rate is then used to calculate interest by multiplying the rate ...
With most credit cards, you can avoid paying interest on purchases if you pay your balance in full each month. The period between the end of a billing cycle and the date your payment is due is referred to as ...
If you apply for a credit card as an individual, the card issuer must consider your individual ability to meet your payment obligations if you use the card. Unless your states law gives you an ownership interest in your spouses ...
Different card issuers have different rules for determining when they charge interest. In general, once a card issuer begins to charge interest it will continue to do so until it receives your payment. This means that if you have been ...