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Topic About Aria Visa Portrait
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By ychen
On 05/02/01
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Is 'Aria Visa Portrait' suitable for one without credit history?
I'm confused by the following term from your introductions:
"Based on your credit history, you may be offered an Aria Visa Platinum product with a 0% Intro APR for 3 billing periods, a variable APR of 9.99% and a $0 annual fee. OR an Aria Visa Persona with a 0% Intro APR for 2 billing periods, a 23.99% APR and an annual fee of $59 or $89"
I just want a card with 0 annual fee, what if Aria will assign me a card with an annual fee of $59 or $89 w/o my final confirmation?
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By larwe
On 05/02/01
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If you cancel the card without using it, the fee will be refunded. (The fee is actually charged to the credit line itself, so no money will ever change hands; they will just undo the debt).
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By colin
On 05/02/01
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The Aria Visa card offers customized terms based on your credit history. In all likelyhood if you have not established a credit history you probably won't be offered a low APR card. In the rare case that your credit history is much better than you think, you may apply for an Aria Visa Persona or Portrait and receive a Platinum product. In any case if you apply online and are accepted for a card which you are not happy with, you can call customer service and cancel the account.
Note: You should not apply for many credit cards in a short period of time, because too many inquiries can adversely affect your credit rating.
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your questions are answered by the gromco team and card users like you
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