 Just turned 18...how can I build credit? |
| I know, I know. Apply for a credit card. I did that. And they rejected me, on the basis of....uh, I have no credit. So...what am I supposed to do? I know I have no credit...and to build it I need to ... |
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 Improving a poor credit score!? |
I don't know my actual score, but I did the estimator and I'm guessing it is in the mid 500's.
I went to college last year and got in way over my head. I was young.. still ... |
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 Credit card question? |
| Hi, I'm asking this because this is my first credit card and I'm not sure if this is possible. I don't want to call and ask the company who issued the card because they won't ... |
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 How can you rent an apartment with bad credit? |
| my husband and i have bad credit and we need to find a place fast to get away from all the bs in his family. my husband is in debt from a school loan and credit card and mine is medical bills. what ... |
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 Is it too easy to get a credit card? - My opinion is yes what is yours tho!? |
I am 18 and bout 1 month and my bank has already given me a credit card through this supposid credit crunch where there ment to be hard to get.
I find this too easy since im just 18 whats ... |
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 I am 19 an I am thinking about getting a credt card , does anyone have any advice on getting a good one? |
| I am in college and trying to establish good credit and I know that there is alot of scams out there. So I would appreciate some good advice.... |
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 How do I get myself out of debt? |
| I am so far in the hole it's not even funny!! please help, i'm thinking about getting a second job!!... |
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 How should I go about inproving my credit score ? Serious answers only please .? |
| My score now is in the mid 500's and I really want to get to at least 700 I am proably in about 30,000 in debt judgement, repo on and on should i work on paying this all back or should i just ... |
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 How To Lower My APR On My Credit Card? |
| I have an Capital One credit card, and i missed few consective payments now my apr is at 28% but now im under the limit but it still is 28% how can i lower it ??... |
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 Ive got a letter from a debt recovery place? |
| hi i got a letter this morning saying i own 200 pound to a debt company from my last address that i lived at 6 years ago when i was 17 they say its from a little woods account that i cant even ... |
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 How to get a credit card? |
| can someone elaborated the process on how to get a credit card? you're help will be surely appreciated... ;-)... |
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 Getting a credit card??? |
| My credit isn't pretty but I would like to try to get one, do you have any advise on getting a non pre-paid card? If possible I would like to apply over the internet...thanxs in ... |
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 Can credit card company's put a lean on my house? |
| If we are in debt $8,000 dollars can the credit card company put a lean on our home?... |
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 I have no credit, but...? |
| im looking to get a credit card with a low credit limit to help me build credit, but i dont want to have to have a co signer. what is a credit card that will accept me with no credit history? (i am a ... |
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 Taking out a loan? |
....How easy is it to get accepted for a loan? Is it hard to get one?
What makes them decide if you get the loan or not?... |
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| How do i get my credit card off my ex-husbands credit report.he's not even on it? |
| we have been divorced over 12 yrs this is a card i got on my own and one day he showed up on it so i contacted the credit card place they said he's not on it but it's showing up on his ... |
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| Should I Pay the Cable Bill With my Credit Card? |
| My mother let the cable bill get out of hand again, and now its like 130 something, and she wants me to pay it off with my credit card. She's on a fixed income and I still have basically 2 more ... |
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 How can I get even with an IT consumables site that has ripped me off? |
| A month ago a site called 'esumables' (based in Perth in Scotland) took £38.11 from my credit card but never delivered the printer ink I ordered nor refunded me. And despite numerous ... |
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rach73ned | Can you request a CC company to lower your available credit? |
And will it hurt your credit?
I have just paid off a 5000 CC but would like to keep the card @ maybe $500. Wasnt sure if you can request it to be done and if it would affect you. If so i will leave it alone |
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tetlitea
 |
Yes you can ask a cc company to lower your limit. It can affect your fico score negatively because it will change the ratio between what you actually owe and the maximum amount of credit available to you. Credit experts like Suzie Orman say that you should not always cancel credit. Take a look at the website bankrate.com. They offer good financial advise. |
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Dean *
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If you have the self discipline not to overdraw your checking account you should have the same discipline not to go nuts charging on a credit card and keep an eye on what your spending every month. |
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twv706
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I would not advise doing that. Just make sure you do not use the card above $500. If you lower your credit line to that limit, and you charge over 50% of your total credit line, it will hurt your credit score.
Plus, you never know when a emergency comes up. |
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shadowsthathunt
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Yes, they will report it and it will look like they lowered your limit on you. However, if you cancel the card and apply for a new one asking for the lower limit they can do that for you. I had been offered a huge rate at one point and I declined and asked for a much lower one when I applied. |
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beauty s
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yes u can |
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CupCake
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You can but make sure that they report this to the credit reporting agencies as your decision otherwise it will hurt your credit as it will look like they lowered the limits |
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Kalemar S
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Yes, you can call the credit card company and tell them you want to stop all transactions after the balance has reached $500.00! I believe they can do that for you.
It wouldn't effect your credit score because you would still have the $5500 line of credit. Your bill would just stay under $500. |
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Steve R
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It will negatively affect your credit if you decrease the limit. If you drop it to $500 and then charge $500 or more in the ensuing months, you'll be hit with overcharge fees. |
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dslandau
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Yes. 10 yrs ago I asked Discover to lower my $2000 credit limit to $1000.
(They ended up raising it to $4000 within a year or something like that...) |
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snacgirl
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You can try, but you will have to talk to a real person as opposed to requesting it online. We have checking & savings accounts w/Wachovia and wanted a $500.00 credit card to use just for online ordering. We tried Discover & Visa first since we already had cards w/them (for years), but they wouldn't even consider anything less than $1,000.00. So we went to Wachovia and the lady called the CC dept. My husband had to talk w/ the person there himself and he had to threaten to cut up the card if they ever upped the limit in order to get them to promise not to do that.
Good Luck |
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