 Does anyone have experience with collection agencies? I don't know what my next move should be? |
| I have a credit card in collections for roughly 2800.00 . I have had two conversations with the agent. I offered him 100.00 monthly payments. He said it wasn't enough. His tactics are ... |
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 How much credit card debt is bad? |
| I always avoided credit card debt. I own a home and I like to save money. i'm 27 and single and all my girlfriends go nuts with credit cards. I fell into the trap a little bit and now I have $4,0... |
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 Im interested in refinancing my home. i always get tons of mail offering such. what is the best way? |
| im not sure if the mortgage companies are better or the banks?everytime i tried to call them, they are very eager to get my financial details which i dont mind, but giving out my social security on ... |
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 How do I figure out what interest rate I got on my current car loan? My payments/term... $340.54/month; 60mth |
Additional Details
Okay, so you think I need my principle financed... well wouldn't that just be my payments times the term!? So it'd be $20432.40... then you'll need ... |
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 Should I reactivate a credit card whose date is expiring? |
| I have a card that I never use. I understand that for FICO reasons I shouldn't cancel it but I have received a new one in the mail with a new expiration date and I'm wondering which would ... |
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 Credit score of 566, any suggestions on delinquent credit card debt? |
| Keep in mind that this debt is several years old, will paying off some old accounts make it higher?... |
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 I have bad credit affter a bankruptsey 2 years ago - all I have is my job and I want to borrow about $2500? |
| God I think even my dog would turn me down at this point - anybody know anybody who gives real unsecured personal loans based on their employment?... |
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| Can I still File Chapter 7 if I got a summon by a debt collector? |
| I've just got a summon yesterday by one of my credit card I have and I was wondering if I can still file Chapter 7? I do have other credit cards and medical bills that need to by paid as well ... |
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 Can you lend me £20 please? |
| im just asking i could do with a pizza ?... |
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 How do i get a prepaid creidt card? |
| i live in the U.S. and i want a prepaid creidt card. how do i get one and do i need a social security number?... |
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 How can I get a free copy of my credit report so I can start cleaning up my credit? |
| My credit score sucks its like 360 something(sad I know).Ready to start cleaning it up now.... |
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| Where can I get an interest free loan from for about £1000? I don't mind paying a small amount of interest but I'm not risking the bank at the moment. Any one any ideas?... |
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 I got my first bank card :)? |
| Hi, I got a barclays bank acount, and my Dad is putting £25 in every Friday, what should I spend it on/ save up for?... |
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 Finance Help? |
I have $2,000 on my credit card and I NEED to get it paid off. What are some good ways to get some cash quick?? Or how can I get it paid of quickly.
Additional Details
My credit card ... |
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 Can some one apply false charges on my credit history.? |
| I recd a call from this person who claims to be from a credit and collection company. he declared that i have a company and i haven't paid someone a big amount. he has the last 4 digits of my SSN... |
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| Is this an International Scam? |
| I am in Central NJ. I went on craigslist.com to look for a job as an account receivable clerk. I send out my resume blindly to all people in my area. I get an email back from karenbecker@gmail.com ... |
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 I am getting a secured credit card to improve my credit, is it better to get one 1000 limit card or 2 500..... |
| I am getting a secured credit card to improve my credit, is it better to get one 1000 limit card or 2 500 limit cards from 2 diffrent banks? What will look better on my credit?... |
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 Is it good to buy things with a deferred payment until one year later? ? |
| I am considering buying furniture with a deferred payment. Why is it good or bad?... |
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 How do I establish credit? |
| I have no credit and I'm trying to establish credit. I cannot get a credit card because I have no credit... All I have is a cell phone. Is there anything I can do to get credit so I can apply ... |
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mickeyangelo17 | Can you be 16 turning 17 in 2 months own a credit card to build your credit so when your 18 i have ok credit? |
please answer specifically |
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Becky B
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No you need to be 18 to get a credit card |
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TaxGurl
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You have to be 18 to legally sign a contract and get a credit card.
Prior to being 18, your parents can add you as an additional card holder to one of their accounts. This will help you build your credit. |
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vort_x_19
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I believe you have to be 18 to hold a credit card. At least that's true for most places I'm aware of. |
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m l
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When I was 16 my parents got me a credit card through them in my name. This was all legal. Sorry I don't know the specifics. They paid the bill back then and so I was able to build good credit while in high school and it has become an advantage for me now. As in renting or loans or anyting along those lines. |
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Pepper
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No..you have to be 18. |
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jimmyjohn
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If you are under 18, you cannot legally enter into a contract. I got a credit card for one specific store when I was 16, because the store knew i had a job & I worked 2 doors down. But none of the regular companies will do it. If your parent, however, get you an "additional card," it shows on your credit rating It will show you as an additional user, but your purchase and payment history will be listed. |
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Garacaius
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No, you cannot legally enter into a contract until you are 18. |
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richardsam7
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You should have your parents get you a credit card by applying in their name and adding you as an authorized user. This will give you excellent credit in the long run assuming your parents have good credit as well. But if they have bad credit, you will get bad credit as well. You will not affect their credit though if you are an authorized user on their account. It only affects you. Your parents can also put you on an existing credit card as well. You have to be responsible and trustworthy though. If you just want to establish credit just let your parents put you on their account as a user and don't even carry the credit card so you won't be tempted to overspend. I don't think you can apply for a credit card independently if you're under 18. You might be able to get one... I'm not sure. Don't apply for store credit cards... They tend to lower your credit score if you don't use them or you have late payments on them. It's best to just have one or two credit cards. My wife and I have read a lot of books and have done a lot of research on credit. Our credit score is over 750. I hope this helps. Have a good one! |
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Jonny B.
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First off, it's a myth to assume having a credit card builds good credit. You can build a good credit history with simply a debit card, and a checking account. Paying your rent on time every month goes into your credit history. Personally, if I had to do it over, I would completely abstain from any use of credit cards, and not even carry one around, I don't care how low the limit. Apply for a debit card, most debit cards are visa, and insured just like a credit card, only with a debit card you are only spending what you have in your checking account. You will build much better credit this way. Credit cards are not intended to build your credit but to destroy your credit and enslave you as a debtor. Unfortunately, I'm one of the many who have learned the hard way. |
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firemedic311
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well do u have a job? this helps immesurably. u have to be able to demonstrate that u can pay off whatever credit someone extends to u.
or u can get a secured credit card. meaning u make a deposit into the bank or company and they give u credit equal to your deposit. provided u always keep that balance in there.
also start with small dept store cards (one at a time for goodness sake!!!! lol) like jc penny, sears, ross, marshals etc. and u gotta keep em paid off! buy small stuff and pay em off every month or almost. |
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guntagirl2003
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I think you can have a credit card at 16 but you have to have an good amout of money to be able to use it. It really depends on the company's restrictions. Now when you get the credit card just buy one thing and pay for it. Then cut the card up and don't use it again. Do this several times with different cards then you will have really good credit! Always remember to be extremely careful to who you give your info to and make sure that the place is a well known trusted company. |
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