 How do i find money when ive got bad credit and have to work everyday? |
| I get paid on the 25th and have to work everyday till then, I live in london and its extremely expensive. I have nothing and im not sure what to do as i can't get an overdraft or loan because i ... |
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 Can i pay my credit card bill before its due date? |
| Its my first credit card and first payment is due 4th on next month the limit is $300 and alredy have spent $200 is it ok to bay before its due date if i do it will it still improve my credit or ... |
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 Please please please help!!!! PLEASE!? |
| To make a long story short, I tried to get my credit report information online from annualcreditreport.com, and it asked those personal questions confirming who you are. It asked what company i took ... |
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 My sister used my daughter's name for a credit card? |
| I believe my sister used my daughter's name who is 5, to obtain a credit card. The purchases where around 300.00. I am not going to press charges. But does anyone know what will happen during ... |
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 Cleaning your credit? |
| I recently pulled of my credit report for the first time in 3 years. It is pretty bad. I wasn't sure if I should us a clean credit company to help get my credit score back up....how does that ... |
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 Visa debit card needed - which ( UK) bank ? |
Hello,
I need a Debit card to use on many internet websites and international, like visa. Do you know wich bank offer (only debit) visa cards in uk ?
thank you
Additional ... |
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 Is there any way to buy things online if my parents REFUSE to let me use thier credit card? |
i have so many things i want to buy online that arnt avalible in stores but my parents wont let me use thier credit card...is there ANY way to get the things i want?
Additional Details
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 Does creditors fall off after seven years? |
| what i mean is my credit is shot the only thing that is a constant are my student loans... i have three or four credit cards that did not have no more than a 500 dollar credit limit but i defaulted ... |
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 How much is too often to check your credit report? |
| I know if you check it too much it can be bad.... |
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 What's more important earning more money or saving money? |
| There is a saying "It is not how much you make but how much you save"... |
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 Am I doing the right thing with my husbands bad debt? |
| My husband has $20,000 in debt in occurred before we got together.12,000 of it is past due things he has stopped paying on, the other $8,000 is his car. I want to sale the car and get a junker for $1,... |
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 Credit card? |
I'm trying to find my first credit card but i have no idea what to look for or where to look for it.
I just turned 18 an i do have a job but it doesn't pay much so i need one with low ... |
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 I'm 19 and I Have NO credit....? |
| i'm 19, i don't have any credit, i don't have anything in my name, not even my cell phone (it was my mother's bright idea to put it in her name, worst mistake ever). i have a ... |
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 How do you pay your credit card to start to raise your credit? |
| i just got a credit card and im want to start building credit.... i was wondering what would be the best way to build credit.. i have heard i should only take care of the minimum, or something along ... |
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kt | Accidentally applied for 2 credit cards...? |
I am 18, just out of high school, and looking to build a good credit score by making smart decisions on how I use my credit. I currently have a cell phone w/ a contract and a student credit card w/ 0% financing on up to $250, which I use for small purchases and pay all or most of it off each month.
I need a new MacBook for college, so I applied for the Apple sponsored credit card on their website, but since I have little credit I was only approved for $450, which obviously isn't enough to cover the expenses. So, I clicked "cancel" thinking I was not accepting the card, when in fact I had accepted it.
During the time I thought I had not accepted the previous credit card, I applied for a Citi student credit card and was approved for up to $3k.
So, I accidentally applied and got 2 credit cards in the same day. How will this affect my credit score and what should I do? Since, I know you get points deducted for both applying and closing cards. |
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Ferret Likes Cakes
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Use the Citi card to work with, cut the Apple sponsored card up with a pair of scissors, this way you can't use the apple card but as you are not cancelling it you don't get points deducted. Admittedly you have got points deducted for applying for it but there's no use crying over spilt milk, be a good credit card user and it won't really matter anyway. |
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MST
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I don't think just this will effect your credit score. . Pay off the Citi student credit card each month if you can. The main thing is don't let the balance get out of control. |
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FallenAngel
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Your credit score start lowing so STOP requesting credit cards.....Every time any bank revise your credit they took 15 point of your credit balance......
If you are not interest in one of the credit card, call customer service and cancel it, they will request to destroy the card.....Only keep the one with the hight balance......If you have 3 credit cards do not start using the 3 credit cards..... Use the one with the less interest......
I highly recommend you to request a payment protection plan with all your credit cards....
When I lost my Job all my credit card has that benefit and works, BUT please be wise with Citi card, there great BUT sometime they want to be smart and if for any reason you get ill or something this protection plan will paid the credit card and your credit will stay intact.....
Protect your credit and call payment protection plan really works |
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snetlaV
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Cancel one of them immediately!! you sound like you are not ready to control them all at the same time. |
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Madison T
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You should leave them both open. Since you've already been approved for them, you might as well keep them! You've already had a small amount of 'points' deducted from opening these accounts, so why deduct more by closing them? Just use the Citi card to buy your MacBook, and don't use the Mac card, but leave it open so it will look good on your credit. Also, make sure there are no hidden annual fees on the cards that will pop up on your account without you realizing it!
The interest rate might be a little high on the Citi card because you're young, so try to pay off the bill as soon as possible. You can waste alot of money on interest by just paying the minimum payment. *Paying the minimum payment each month NEVER works!* On most minimum payments, you're only paying the interest off and not lowering the original amount.
You really don't have anything to worry about as long as you don't run them up, and try to pay them off as soon as possible. Building credit is a slow process, but it's worth it later on! Good luck! |
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Anna
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Just use one, or even both. Pay on time, and above the minimum payment. That way your credit will increase. If you cancel one of the cards, you credit will go down even more.
Just remember that you have both cards there, but don't necessarily have to use both! I have the same 0% under $250 too, and another card. But I only carry one around with me so I don't have multiple bills each month. |
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Taylor M
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I have been in a similar situation that i let get out of control. a word of advise, ALWAYS pay on time, NEVER let the balance get over half of your limit, and be very very careful walking into malls :) it is very tempting to have "free" money in your purse! if you make wise decisions, this will not affect your credit score. your score is only very minimally affected by applying for a credit card if you don't abuse it. |
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serchilyn r
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Just pay them on time, try not to pay late and pay a little more than your minimum balance, you shall be fine. |
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kenyagroov
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You will have a small deduction in points if you close either of the cards voluntarily. However if you keep both cards and then dont use one of them then after a period of non-use then the card issuer will close the card or put a freeze on it. That wont affect your credit score if they do that. If you chose to keep both cards - please use them wisely and dont get boggled down in credit debt. Dont get your card with a 3k limit past $1499. Once you have half of the credit used then creditors start worrying. Good luck to you. |
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Pyar
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Don't worry about it ... cancel the card you don't want ... no problem.
Just worry about not borrowing more than you can pay off ... and make your payments on time ... |
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Dirty Dave
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Charge a small amount on each one and pay it off COMPLETELY - ON TIME every month. Your credit score will go up. |
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mary p
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Cancel the one you don't want..no penalty!!! Tp keep your credit good..just keep your payments on time..that is all they care about.
Be careful..credit card co's will send you mulitple cards..they don't care...put you in debt where you cannot possibly pay for them. |
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Jeter
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that is just not good see if u can give it back i feel so sorry 4 u |
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