 What is the best credit card? |
| I have $2400 on a 0APR credit card that is about to change to 9.99% Should I pay it off (My money market is now paying 1.64%) or find a balance transfer card? What I have found is 0APR for 12 months, ... |
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 Which is worse,a bad credit history, or a bancruptcy with perfect credit since? |
| Which produces a better credit score more quickly, a history of bad credit, with everything being paid on time in the last year, or filing bancruptcy to eliminate past bad entries, and then re-... |
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| I am owed money by a company they are saying they are not paying me as they have not been paid what can i do ? |
| i tiled some flats for them i did supply materials they have had my inv for 2/3 month now i know they have not paid 5 or 6 other ... |
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 Can you get cashback on a credit card? |
OK so money is REALLY low right now, and I had a thought of going into a shop and buying some random thing so I can get cashback from it.
But.... there is basically sod all in my current ... |
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 Debit card statement says I spent £53.43 at the Co-Op. No idea what on. How 2 find out what I spent money on? |
| I want to find out what it is I spent that money on because I have no recolection. It was the 6th Nov. I Know that on that day or near that day I bought hair bands paying by card in Claires A... |
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 My gf wants 500-750 for credit card bill. I offer 200. She does hang up phone when i offer that low.? |
| She is like i need you to support me. That is not very much. I possibly talked about borrowing 750, SHe also wants to borrow my computer to get her busienss goin.... |
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 Jail time for payday loan in CALIFORNIA and now live in AZ? Help!!? |
| We just got a call today threatning my husband with a warrant for jail time for a payday loan taken out in California 4 years ago! We now live in AZ. We are just now getting over having serious ... |
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 Over the last 9 years I have managed to rack up substantial unsecured credit card debt. I do not have any? |
| assets, other than the $5000 of equity of my house. If I just stop paying my credit cards, and wait out the statue of limitations, will the debt go away, regarding the credit cards? I live in the S... |
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 Do credit cards without balances affect your credit report? |
| Is it true that your credit is affected not only by the credit cards with balances but also those without balances??... |
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 How likely is it the person will be caught using my credit card? |
| It's been almost 2 months since my card got stolen at a party. I actually don't remember if it was debit or credit. The person made a purchase of about 100 dollars at Target. I forgive the ... |
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 I'm 18 and work but have no credit yet. How DO I establish credit? ? |
| It seems as if the credit card companies want you to have credit to obtain a credit card...but I'm just starting out and have no credit yet. Now what?... |
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 What are a few key ways to bring up my credit score.? |
| I've let some things go in the past and I'd like to buy a house in about nine months. What can I do in those nine months to boost my score, if only by a bit? I do not want to go to drastic ... |
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 What caused the Credit Crunch? |
| As i said above what caused it?... |
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| How can I build credit? |
| I've never borrowed money or used a credit card b/c I always believed you shouldn't buy things you can't pay for. I never bought anything til I had enough money saved to pay in full. ... |
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L | Can someone buy a house without owning a credit card? |
I heard that in order to get a mortgage, you need to have a credit card (not for buying, but for the credit). Is it true?
Additional Details
but that's what i mean, is it possible to have good credit without owning a credit card? |
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phoenixfire@sbcglobal.net
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Well the credit background can show you're spending habits. The lenders want to know if you're a risk for them or not. So if you have not credit history, it's awfully tough for a lender to make a choice to give you hundreds of thousands of their money.
Even if you were able to get approved, you may get a higher interest rate because to them, you're at high risk.
Same goes with financing a car, private student loans, credit cards, some utilities, etc.
EDIT:
It is possible to have good credit. If you pay bills on time and have no negatives on your report, you're still fine. But a credit card is the easiest way to build credit (and likewise, destroy credit). |
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worldtraveler
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You don't necessarily need a "card" but you definitely need credit and you need collateral. One of the easiest ways to obtain credit is via a credit card. |
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MojoMan
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You don't need a credit card you need credit.
Most lenders will want you to have at least 3 active accounts with a 24 month history on them and at least one account with a high limit of $2400.
If you don't have credit, start working on it now.
Get a secured credit card if you can't get anything else. Charge something every month and pay it off every month. After 12 or 24 months you be able to get another credit card. If you get another one before 24 month get the first one for 30 months, this way there will ba a 24 month history.
You should also purchase a car. Get a loan for $2400 dollars and make the loan for 24 months.
By following this plane somewhere between 24 and 30 months from now you will have great looking credit and most lender would like to make you a home loan.
Keep in mind if you use a secure credit card or purchase a used car from someone who does their own financing ensure that they will report to the credit reporting agencies. |
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Me
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No, I got a mortgage and I didn't have a credit card at the time. (6 months ago) |
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Jenster*is*flipping*you*off
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what do you have for established credit right now?
a lender looks for "open trade lines" and the time they've been active, you may be already ready to get pre-qualified
and not even know it!
would you like a FREE NO COST NO OBLIGATION QUOTE? i am a mortgage broker, and i specifically deal in new/bad credit
loans. I can get your info and see how much "house" you can buy. then when you are ready, you'll have your letter, it makes the process go by much quicker
call me 1-866-242-6689 ext.5002 for a free quote, at the very least, you'll know your credit score and where you'll stand in this process. |
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Officer Me
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Not in all areas. Some lenders see a credit card as a debt and can hold that against someone getting a loan.
Others see it as a good thing if the payments are made on time. |
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rishathra7
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no. you just need money for a down payment and good credit. a credit card has nothing to do with it. |
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foamcrash
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this is America i am sure you can you can get a fixer house real cheap and fix it up just have to go thur the right channels go to government auctions and things like that |
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Managing Director
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Why Not??? |
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everybody loves chris!
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i did and at the time i had no credit card it just ups your credit score thats all |
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joe
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You do need to have a good credit score. One of the way they determine your score is by how well you handle your credit cards - if you pay the bills on time, etc. |
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