 Washington Mutual Credit card? |
| hello, I got a mail with a credit card offer from Washington Mutual Bank, got online and got approved for a Visa Platinum with a $500.00 credit line. From what I've read it's a good card ... |
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 Can i have credit card of ICICI bank without opening account in the bank..? |
If yes, Does i need to have some security deposit..
If yes,, how much..... |
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 Are credit cards even necessary? |
| Do I need one? Why should I get one? Do I need one to buy a car? Can't I just save up? I have a savings account right now. Soon I will be getting a student checking account. I think I would ... |
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 Is it possible with somone with really bad credit to fincance/buy a new home? |
| Past bad credit due to divorce and other negative situations..now situation is better, good, stable job.... |
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 Is it true using more than 30% of your credit limit is bad? |
I heard this will affect something called your utilization rate and result in bad credit.
I have a $500 dollar limit on my capitalone card... How am I supposed to use only $150 a month? T... |
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 Do credit card companies ever give up on collecting money you owe them? |
| My son kept getting offers from different companies and he signed up and was given a liberal credit limit. He had a good job at the time, but has been laid off now and can't pay even the minimum.... |
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 I have over $ 10,000 in credit card debt. Should I consolidate,bankruptcy or cash in my Ira and pay it off? |
| I do not own a home so would have to use a debit consolidation company. I have just enough in my IRA to pay it all off. I can only afford to payy about $250 a month toward the debt. . What are the ... |
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 Im trying to find a credit card I can get approved for? |
| I have NO credit, and want to get approved for a non secured credit card. Is there anyone that has been in a simular situation and found a card that they can get approved for?... |
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 How can you tell if something is a con? |
| I got an email saying that they were looking for people to play parts in movies. When I got to the website, they wanted my credit card information for an activation fee.... |
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 HOW do i Endorse my check? |
| I got a 4k check. I deposited it, and they said I have to endorse it? Do I just sign in that box, do I have to leave my account number? Why didn't they care before when i deposited 1k in my ... |
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 Why cant my debit card be processed on paypal to make purchases on ebay? |
| last week i bought a few items using my visa debit card on ebay. it worked fine..i even got the items today..i know there is money left on the card so i tried to make a purchase today but it said my ... |
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 Should we save for down payment or pay off debt? |
| My husband just married me and my two kids last year and we are trying to make some decisions. Because of student loans and cars, and some credit cards, we have nearly 40,000 in debt! Some of it (... |
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 Credit card complaints authority? |
| Can anybody tell me who i would need to register a complaint with about my capital 1 credit card (apart from capital1 customer services) as they are harrassing me with 3-8 phone calls a day and have ... |
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 Why was my visa not covered when i was made unemployed i paid for extra cover? |
| i had a visa card paid extra for cover in case of redundency ect..unfortunately i was paid off and the insurance refused to pay my visa...why take money off me all that time then let me down when i ... |
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 What options do I have? |
| I am currently financing a 2005 yamaha raptor quad. The monthly payments started at $69 and recently jumped up too $169. Do I have any options that will not effect my credit score? I am only 19 will ... |
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 I want to buy a new home in January do I have enough time to apply for a new credit card? |
| I want to boost my credit score up to 750+ I keep hovering around 744, 745, and I can't pay off much of my debt. I thought by expanding my debt to credit ratio I could boost my score. I have two ... |
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 I need to increase my credit score by 25 points in order to refinance.? |
| I have no late payments, no public records, I paid 2 of the 3 derogatory issues off and paid all of my credit cards down to 1/2 of the limit. My broker has submitted for rapid rescore. I am afraid ... |
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tim@thebigY | Advice on establishing credit? |
I'll be 19 years old come May. I am a freshman in college and I have about $11,000 in the bank in stocks and other areas. It's making me some nice interest. My current job brings me about $700 every month. Paying bills isn't a problem for me because i literally don't spend my money on anything except the absolute necessary. I have a debit card but rarely use it as it is. But i've been thinking about getting a credit card to help establish my credit for when it comes time to buy my house, new car, etc. Any ideas about a decent card without any monthly fees? I need something that won't charge me if i don't use it often or not at all. I don't want anything with a huge credit line but at the same time i want to be able to establish myself. Any advice would be greatly appreciated. Thank you in advance. |
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Editorguy
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I'm not a financial analyst, but I work for a work credit card company. Good to see a young adult thinking responsibly about credit. You've got a good head on your shoulders.
One place you can start is with a small bank card; however, nearly all will charge you a membership fee (annual or monthly), if you have no previous credit. You may want to start with a small store card- Target, Kohls, Circuit City, etc. Don't open a huge line of credit, just several hundred (if that). Pay your bills on time and the rest will follow.
One place you can go to get an idea for want you may qualify for is http://www.capitalone.com. They have a tool there that allows you to create your own credit card- credit line, APR, rewards, etc.
See this site for more tips: http://smartbucks.blogspot.com |
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pdefigh
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citibank has good cards. mastercard.
discover is good. it also pays you back.
visa.
congrats on being so responsible! you should have no trouble establishing credit. |
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kevinmac9999
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if you open a credit card...use it to buy groceries, gas and all your other necessities. then at the end of the month, pay off the balance. This way, you are using your card every month to avoid any fees AND building your credit at the same time. By paying it off at each months end, you are also avoiding finance charges. |
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Hello
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Whatever card you get make sure you pay it in full each month or you could get yourself in deep water. |
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FRED
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WHAT YOU SHOULD DO IS GET A CREDIT CARD AND MAKE A $400 BALANCE TO MAKE LOW PAYMENTS AND DO THEM ON TIME. ALSO GET LOANS LIKE $2000, AND WAIT FOR LIKE 3 MONTHST AND PAY IT OFF[ DONT WASTE THE $2000] . DOES DEVELOPES YOUR CREDIT GRADUALLY. ALSO GET CREDIT CARDS FROM BEST BUY, OFFICE MAX, BP, ETC. MAKE LITTLE PAYMENTS AND WASTE LITTLE ON THEM. THE MORE PAYMENTS ON TIME THE BETTER!
JUST TAKE CARE OF YOUR SELF AND DONT MAKE BIG MISTAKES, BECAUSE RIGHT NOW YOU LIVING IN A EXCELLENT ECONOMIC STATUS. |
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Abcd
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you could build credit by getting a small personal loan and pay it off in a few months another way is by getting a credit card use it for your daily usage but pay it off at the end of the month that way you do not pay interest and build credit, once you have had this card for a while apply for a better one because most of the time credit cards that you will get approve for when you do not have credit have high interest rates but it will be only on your first card if you take care of your credit, check out www.fastcreditcardapprovals.com and go under poor or no credit section, good luck |
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m&fn princess
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Actually, you dont even need a card. You could get a loan for any amount and pay that off over time. That will definately give you credit. Or go to www.creditcardguide.com to compare different cards. Some cards are for people with certain levels of credit so just chose one that is for establishing. Good luck! |
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justme1
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Discover is awesome. Awesome, awesome, awesome. You get cashback bonuses, their interest rates are reasonable, and it's a favorite of students and older people alike.
Don't even bother with outfits like Capital One, who'll approve almost anybody but give low credit lines. For example..I had 2 of their cards. One had like a $2500 credit line, the other something pathetic like $300. Mind you, my credit score is in the high 700s and I have a good income, good enough to justify a larger line. Granted, I didn't ask them, but I didn't have to: Discover came along and offered me a $15K line. I closed both Capital Ones, transferring my balances to them (0% APR until Sept. 08) and haven't looked back.
And unlike Capital One, Discover has no annual fee.
What's in my wallet? Not Capital One. |
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Jose V
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capital one is the easiest card to get but there is a couple of dollars for an annual fee usually less than 49 i think as low as 19 and you will receive some automatic ways to raise your credit limit just by paying a couple months on time |
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BB
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American Express is a great card and you pay no interest however full balance is due at the end of the month. Since you have your spending habits in control this is a great card. Visit our website www.ncnlcorp.com hope this helps... |
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Capt. Murphy
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The quickest way to get a cc in your case is to put some cash in your bank in a special account.
They'll give you a cc for that amount. |
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