 734 credit score to 837 right away? |
| my credit score is 734 because im 21 and only had credit for 3 years. i want 830 or higher right now. i never had a late payment, never had a missed payment. and there are no negative things on my ... |
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 Prepaid credit card as a gift? |
| is it a good idea to give prepaid credit card as a gift? i mean i was considering gift card but i thought with a prepaid credit card, you can use just about any where you go right? any comments...... |
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 Can you transfer a car loan from one car to another? |
| My Husband bought a used car from a dealer and it broke down several weeks later and is now un road worthy! After much debate with the car company they have decided to replace the car with a ... |
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 Are there sources out there who provide personal loans if you've filed for bankruptcy? |
If yes, could I get the name(s) of these companies.
Also:
1) Do they charge you an inital fee?
2) I'm not looking to get into major debt again. Just a smaller loan to clean up ... |
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 Credit score dropped. confused.? |
| I recently made applied for an auto loan and was denied. I signed up for unlimited up to date credit report monitoring through my bank. I check my credit report twice a week every week. I have become ... |
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 Can i cancel my credit card??? |
| i have one credit card, i have to pay $59 annual. now i want to cancel this card after i get one good card with no annual feel. is it possible to cancel the card??... |
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 Should I pay a credit card or car loan? |
| I have a 14,000 inheritance- I am trying to improve my fico. Should I pay off a 14,000 credit card or a 7,000 car loan and put the rest towards the credit card?... |
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 What to do if a co-worker owes you money? |
| I felt sorry for my co-worker. I have known her for about 3 years. I would say I'm a friend but haven't hung out with her outside of work very often. She's going through a bitter ... |
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 How can i raise my credit score??? |
| Im 21 and never had a bank account, when i've tried to get one im refused because i have no credit, i want to buy a house in a few years. any ideas??... |
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 I have horrible credit how do i fix it?? |
| I'm only 21 and screwed up my credit so bad. When I was 18 I moved to manhattan and maxed out my cards and was late paying them off. They're all payed off now and closed accounts. How do I ... |
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 How do i establish good credit? |
I have had my first credit card for 3 months now. i am 20 years old. i want to establish good credit. how can i do this
???
i have a National City Visa Points Credit card that i got ... |
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 How do I balance my life financially with a $475.00car payment, $500rent, $200 credit debt, with 1300income? |
| Not to mention food, gas, car maint. Do I sell my car but it's not paid off and I don't want to get ripped off, I have invested too much money into it. I really want to settle for something ... |
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 Late car payment need advice? |
| ok heres the deal my payment is due on the 25th of november due to fiancial problems i couldnt make the payment what my plans are is to pay the month of november on dec 18th and then pay december ... |
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 Any suggestions for someone with bankruptcy on their credit that would now like a credit card? |
| I had to file bankruptcy 6 years ago, because of a previous marraige. I would like to have a credit card now. It is really hard to find one that will approve me. Does anyone know of a credit card ... |
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 If my credit score is 714 and i apply for a wamu card how much will they give me as a start? |
if my credit score is 714 and i apply for a wamu platinum credit card can anyone tell me how much i will get.
? all my other cards are zero balance and the highest card is a 2000 limit so i ... |
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beachylilly | 26yo w/ previous good credit - What is the best credit card for me? |
I opened a bank account about 7 years ago. At that time, I had an excellent credit score (due to my parents I think) and I have only used my debit card since then. I need to open a credit card to maintain my credit score. Which one should I get? Has my credit score been hurt since I haven't used a credit card in the last 7 years? |
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Jeremy P
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It's hard to say how your credit score will look after 7 years without a credit card. I would get a copy of your credit score just to be sure. But I would guess your credit would still be good enough to apply for a 'standard' credit card. You can find a great list of offers here:
http://www.asapcreditcard.com/0-apr.html
Since many credit card issuers have credit cards designed specifically to 'build' or 'improve' your credit, you could also consider one of these offers. But I would try a 'regular' card first.
If you're worried about being approved, I would highly recommend the Chase Platinum Visa Card. Since Chase has the loosest approval guidelines of all the major credit card issuers-- this might be your best shot at getting approved!
Otherwise, you'll be paying higher interest rates and additional fees to build your credit back up with a 'bad credit' credit card...
Hope this helps. GOOD LUCK! |
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traffic816
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go here to compare them , http://www.bestcreditrates.net/ |
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Sherri M
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http:// www.providian.com
http:// www.orchardbank.com WATCH out for the fees!
or compare at http:// www.lowermybills.com |
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Nicegirl
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If you are opening a credit card to improve your credit score, don't get distracted by cards with frequent flier miles or bonus cashback or whatever. They tend to have higher rates and sometimes a very short amount of time from when you receive the bill to when the payment is due. The card that has had the lowest interest for me since the 1980's is a basic mastercard issued through my credit union. They have also offered me the lowest rate on student loans, car loans, etc. I don't even live in the same state anymore, but I keep my credit union accounts open for the reasons listed above. I know that in some parts of the U.S. it is difficult to join a credit union (like where I live now), but it could really be a benefit on rates if you can get in to one. In answer to the second part of your question, lots of things affect your credit score. The most important thing to do is to pay all of your bills on time. Also, be aware that applying for credit cards and then cancelling them knocks your score down. So, choose carefully the card you want, and then keep it to build credit. Don't accept one card, move your debt to another and close the first one. Any credit checks and closures of cards will affect your score. So, just get a basic no-frills card to start off with that has a good rate (not just a good temporary teaser rate,) pay it on time every month and keep it for a long time. All those things will really help. |
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crystal j
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I wouldn't say there's specific one or bank card to get. I would look out for ones that offer the lower APR or 0% for the first year. Also, if you have good or decent credit, its unnecessary to take any card that requires an account fee or an annual fee. Although I have had a decent experience with citibank, they often offer cards @ 0% for the first 6 months to a year, and they do not require an annual or account startup fee. |
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carlos
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It didn't really hurt your credit score, but you haven't built it . But nothing is destroyed...
Try with your bank. It's the best option. |
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beauty s
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try creditcards.com and this will help u find the card for u |
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june e
 |
Apart from no annual fee feature of the American Blue Express it also gives cash returns on specific purchases. Users of the American Blue Express also enjoy protection against fraud for online credit card transactions. This card tries to right the various wrong notions about the American Express credit cards, one of which is that it is a credit card only for rich or those who have money to keep a credit card. |
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joelmeulenberg
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Your strategy should be to use a rewards credit card for your normal, everyday spending and then pay off the balance each month. That way you'll build your credit, avoid all interest, and earn rewards.
The only challenge then is to figure out which card will pay you the most cash back rewards (or other rewards) for your normal spending profile. The rewards calculator at this site can do that:
http://www.creditcardtuneup.com/
Basically, you just plug in your monthly categorical spending profile and it calculates how much you'll earn in rewards per year from each of the various rewards credit cards. |
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