 Does anyone have urges to spend money you can't afford.......? |
Then get into a lot of trouble for it?
I mean like all the time and never learn from the mistake?
Additional Details
Are you suffering from bipolar bre?
Just wondering, because ... |
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 What are some things i can do to reestablish my credit? |
| i got a car in April and i make all my payments on time..but i still got turned down for a credit card..i tried to get a loan from a bank and i got turned down for that too..All i want is to prove ... |
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 14 year old makes $50,000+ ONLINE!!? |
| how would you feel if this were ... |
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 Should i payoff my car or paydown my house? |
| i have 4 years left on my carpayments, 3 years left before my 2nd mortgage (interest only) adjusts. should i use my extra $$$ to pay off my car or paydown my mortage principal?... |
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 Not paying cc debt..? |
| my cc cards range from $7-11 thousand.. if i stop paying on all of them will they be able to get the money later on? can they garnish my wages in the future or take me to court? what is the worst can ... |
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 Honestly, how much do you owe credit cards? |
Just wondering how much do people owe in credit cards.
Please be honest...... |
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 Money help, we are so much in debt and don't know how to get out!? |
| I don't know how to get back on track. We aren't making as much money as we were a year ago. Our credit is going down the tubes. Literally! Our credit scores were in the high 600's and ... |
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 I have a bill that might be reported to the credit bureau? |
| I have a bill for $90 that I just got a letter from saying that if I don't pay within seven days it'll be reported to the credit bureau. I already talked to these people like three weeks ... |
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 I have an HSBC debit card...? |
I am looking to buy something online...but the only options for cards are VISA,MASTERCARD,JCB,SWITCH,SOLO and ELECTRON...
My debit card has MAESTRO on it (and CIRRUS at the back) Which one ... |
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 I'm 19 and have no credit but need to get some? |
| what do u suggest i do as i don't have enough credit to get credit cards etc.... |
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 Credit card with score of 636? |
| what credit card can i get approved for with a score of 636 and i derogatory item on my report which i am currently disputing i already have a secure credit card i am just looking for a way to ... |
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 Will I still have a bad credit? 10 points for honest answer. Thank you? |
| Over 2 years ago I had a minor accident. I went to the hospital for couple times. The bills were about $990. I had a health insurance, but the health insurance have never paid for it. Finally, last ... |
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 Where and how to apply for credit card? |
| Iam just trying build my credit. well, I would like to have a credit card. Where do I apply for one with low interest. Thanks in advance.... |
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 E-bay / pay pal? |
| i have just sold an item on e-bay(first timer!) the payment is in my paypal account but not in my bank acount yet(had a few prob getting my way round it),is it ok to dispatch item to buyer, as i feel ... |
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 I have poor credit. Where can I obtain a small $600 loan/credit card with no fees.? |
| I have poor credit. Where can I obtain a small $600 loan/credit card with no fees. I need the money to invest in a new career that will hopefully get me back on track.... |
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 Credit cards for kids? |
| is there a credit card where my kid can use it but i pay it off?... |
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 I (minor) just bought a visa debit card, and my mom won't let me activate it.? |
| I'm 15, and I just bought a visa debit/prepaid card from HEB/netspend.com, and was told that in order to activate it, I was told that I needed to fax them my mom's social security card, my ... |
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 What is considered a Good credit score.? |
| i just receive my score one is 660, 690,689. so am ??? in terms of what is a really good score.... |
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Emily ♥ | Am I obligated to buy something if I apply and get approved for a credit card? |
I know this may seem like a silly question, but I need a credit card as a second form of ID to open an account at a video store. I also need a credit card to create an account with Microsoft Office Live (they need it to confirm my identity, I read all of the terms of use).
So my question is, if I apply and get approved for a credit card, once I receive it, am I obligated to make a purchase with it or can I simply just use it for the purposes stated above?
Is there a fee for receiving a credit card?
All information and sources are appriciated.
Additional Details
Any suggestions on what card I should get? Links? |
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Gladiater
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no purchase needed , probably fees... |
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Sven B
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No - you're not obligated to purchase anything. |
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hauntedtreehouse
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If you have applied for a no fee credit card then there is no cost to you.
There is also no obligation on your part to buy ANYTHING with your credit card. Use it as you wish. |
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blonde n love
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No you never have to buy anything. But you may get fees. You will have to read the fine print. |
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SMD
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You will need to read the term of the card, but in most cases, you should not.
For a good source of credit card offers, please visit http://preferred.ecreditdirectory.com/ |
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Wonder
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You do not have to use a credit card. Never pay for the honor of receiving credit card. We are doing them the favor by using (or not using) their card. Make sure the card you pick does not have an annnual fee. Check the link to compare cards.
-MM |
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bdancer222
 |
Get a major credit card that does not have an annual fee. While you are not required to use the card, the credit card company will close your account if you don't use it -- probably in the 9 months to one year range.
Use the card occassionally for small purchases and pay if off at the end of the month. That will keep the card active, plus add to your credit history. |
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lordkarl_1
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look at the terms of the agreement. you certainly are not abligated to use the card, but most companies have an annual fee that you do have to pay to have the card.
keep the card so that you have something to build your credit. just don't over-indulge like most of us do, and ruin your credit by not paying in a timely manner. it is very good to have that credit, just watch your spending. |
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slp9209
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Your not obligated but you will go out and charge something as soon as you get it.Its just something people do I done it when I got my first card about 20 years ago.Thats why I dont have any cards now paid them off and got rid of that headache |
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mia
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No, you are not required to make a purchase if you are approved for a credit card, but you may find your account closed (or inactivated) if you have no activity for a long period of time.
Many, many credit cards do not have fees of any kind, but some have flat annual fees and some may have other fees, so you should check the specifics for the card for which you are applying. |
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s487
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You don't have to buy anything. But I would buy something every month to build your credit.
Buy something like a tank of gas or once a month charge a meal....pay it off on time and in full.
Believe it or not you'll start to build good credit! |
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Cakers
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Of course not! |
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Carlos Cruz
 |
You will be obligated to the 'terms and conditions' of the credit card agreement.
It is very important that you read this part of the credit card contract.
Do not assume that all credit cards are the same. You might get hit with fees that are in the agreement that you sign and you will not be able to argue or dispute them away.
Also consider saving $50 to $100 weekly in a good high interest savings account or Money Market account.
God Bless.
Carlos Cruz |
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CammyB
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No I'm not |
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