 I have no credit! Where can I get a credit card? |
| I have tried numerous times to apply for a credit card with no success. They tell me that I have insufficient credit. Can you please help. Does anyone know where I can apply to obtain a credit card. T... |
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 Is refinancing the best answer? |
| Here's the story: Me and my fiance cosigned a house for my mom and a house for my uncle. Mom's house is $700,000 and uncle's is $800,000 for a combined total of $1.5 million in real ... |
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 Can i get any help with flight costs as member of family has died? |
| Hi i was wondering if anyone could offer me some advice. My father in law died the other day and he lives in Canada.My wife and i, along with my son have got to go to his funeral, only problem is, ... |
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 Is this a scam? |
Hello ,
Thanks for your response,am ok with the price and the conditions..I would have love to come and look at it its just that time wont permit me cos am a very busy person..I will be ... |
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 What do you do if credit card company gives out your information? |
| One of my credit card companies has been calling the wrong number (my parents house) and giving out all of my info to them from how much i owe to the account number and pretty much eveything else. My ... |
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 Is it right to allow a female to have a credit card in her husbands name? |
I await the replies in my bunker
Additional Details
In answer to whats a bunker it's something Hitler died in sheltering from the ... |
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 Why can't I get a credit card? I need to start building my credit somehow!? |
| Every time I apply for a credit card I get turned down. Not because I have bad credit history and not because I don't have the money to pay my bills .... BUT ... because I don't have any ... |
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 How much do you owe on Credit Cards? |
| How many people on here have credit cards? And how much in total do you owe on credit cards? My husband got angry because we owe 4,200.00 in credit cards from our honeymoon...How much are you in debt?... |
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 Does adding an authorized user to my credit card account help their credit and/or mine or no ones? |
Additional Details
I know I have to pay and I am responsible, but I was considering this for my bf (he lives in another state) but I was going to let him have access to it when he is ... |
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 I have no credit, what credit card should I get? |
| I want to start building up my credit, I'm 21 and I have none. I was thinking of getting a Kohl's department store charge. They have great deals on clearance clothes there, and with the ... |
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 My Credit Report is incorrect. How do I go about fixing the discrepencies that are on it? |
| There are a few things on my credit report which were taken care of in 2003. Anyone know what I need to do to fix this?... |
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 Should I pay everything on my credit report at once? |
| I have about 3547 to pay off my credit(most are student loans) I have the money to pay them off. But Would it be better to start making monthly payments or just pay it off at once. I am trying to do ... |
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 Have you ever had a credit limit increase on a capital one credit card? |
| i near enough clear my bill each month and have had the card for 2 years yet never been offered an ... |
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 My bank has unfairly ruined my credit score, how long will it take to sort ou?? |
| I have a graduate account with an interest free overdraft. I have to pay the overdraft back by this May. There was nothing in the contract which stated I had to pay any money into my account prior to ... |
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 How do I get out of debt? |
| I have gotten myself into quite a lot of debt. I cannot afford my credit card payments--they are so high. I have done this before, and ended up refinancing my home, You think I would've ... |
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 I want a credit card.? |
Don't tell me not to get one... I don't want to hear it.
What's the best credit card to get, one that's easy to get and you don't have to have a bank account to ... |
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John G | Are prepaid Credit Cards a good way to begin to establish credit? |
My friend has almost no credit history and was wondering where to begin. |
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tkquestion
 |
One excellent way to build a credit is, to go to a bank you have business with and open a savings account, then deposit 500 dollars. Have the bank LOCK the account, and issue you a credit card with a credit limit of 500 dollars. Many bank will be happy to do this for people with no credit.
Keep in mind, until they UNLOCK the account, or cancel the credit card, you cannot withdraw the money. This is their security deposit in case you don't make the payment.
Make a payment every month, in full, without fail, and you will soon establish credit. BE SURE TO NOT CARRY ANY BALANCE! It won't affect your credit, but it's best not to start a bad habbit.
Of course, if you do default on payment, it will affect your credit. Be sure your friend is aware, he is on training wheel with bank closely watching the activity.
This is different from pre-paid credit card. This is a true credit card. Pre-paid cards are nothing more than a gift card or a debit card. You do not build up your credit history that way. |
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John C
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actually yes,, they are called secured credit cards and have a maximum spending limit,, they are funded by your bank account,, so if you dont have the money,, you wont get the transaction,,, it helps to limit your spending and to avoid overages and late fees and the high interest that comes w. those big market, markup credit cards,,, its the best way to start,, then after you have established the credit,, get a small interest, limit card,,w/ like $500 or so use only for things like a car rental backup or for gas , or parts,, and always pay back before the due date,, and make sure you pay the full amount ,,, dont spend what you cant afford, promptness is key this will help you build a positive credit portfolio you can build on |
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Roger Vadim
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no,....the best way is get one from a credit union...join a Credit Union....
http://www.bankrate.com/brm/rate/cc_home.asp
study this website real good, and then make a decision.... |
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jimmy h
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Pre paid does not establish credit... Tell him to try department stores like sears target or other stores like that or buy a cheap car |
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graves_jean
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No... but his cell phone will help him start building credit...he just must ensure to pay ALL of his bills ON TIME on a REGULAR BASIS for an extended period of time...
It takes much LESS time to get BAD credit than it does to build up good credit! |
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lyn
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I THINK THAT SOUNDS LIKE A VERY GOOD IDEA. ANOTHER IS TO PAY OFF YOUR BALANCE ON TIME EVERY MONTH SO THAT YOU HAVE NO BALANCE TO CARRY OVER AND COST YOU LOTS OF INTEREST. |
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Roger
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yep. that could be a good starting point. many credit card companies will give credit to people with no credit history though. unless the credit is bad a person could start with a 'real' credit card. |
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Paul H
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It might not be a great way, but if you have very little credit history, it might be your only way. I know of someone with over $200K in the bank that had to do the same thing. Be careful with credit - it can really cause financial trouble for you, so if you do this, proceed with extreme caution. |
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farahwonderland2005
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Try Orchard Bank's website |
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hotnpink
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NOOOOOOOOO |
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BaitersinSpace
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Mastercard do one that you can 'topup' at the Post Office - and if you keep using it, I can't imagine they won't like you for it - and it may well help you to get a proper credit card later on - this is something I've been looking into recently - and the good thing is - you can't get yourself into debt - can you ?
You are probably better off carrying on using them - instead of trying to upgrade and get yourself into debt again or futher in debt if you still owe money, which I suspect you do - or you wouldn't be asking about one - would you ? |
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Mega_Areee
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Yes. After six months of usage and making good payments you can ask to apply for a regular/unsecured credit card. |
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Life after 45
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No! Use http://www.orchardbank.com ! :) |
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