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 Im 17 years old and i was wondering what should i do to get GREAT credit ? i dont want bad credit. lol? |
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 How to get a loan with not so good credit? |
| I need a loan of 1000 dollars and I don't have good credit. Any suggestions on where I can get a loan from? No payday loans ... |
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 Is it cheaper for a merchant to process credit or debit? |
In general, which results in fewer fees for them, and what is the benefit either way for me?
Additional Details
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 Pre-paid credit card? |
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I am a senior in high school and have no credit but i am 18.
Additional Details
I am getting ready to go on 2 school ... |
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 Credit Card Question? |
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| I made arrangements to split my payment between 2 weeks and within my 10 day grace period. They called 2 days later on Sunday, Christmas Eve, at 7:30. I have already post dated a check for the ... |
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 Anonymous Prepaid Credit card? |
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lender.
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 Can't pay interest on credit cards - what happens if I don't? |
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torishu | Capital One's offer of 0% APR on balance transfers & purchases for one year sounds too good to be true. Is it? |
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VinTek
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Most of the time, there is a balance transfer fee of 3 to 5 percent. Some card issuers cap that fee at $35-75, so read the fine print. Also, if you do not pay that balance off when the 0% offer expires, not only does the high rate kick in, but it is retroactive for the entire period that the balance was on the card.
If you save more than the balance transfer fee and can pay the card off before the 0% offer expires, it's a terrific opportunity to save some money and end your debt. Otherwise, you might be better off either not making the transfer or finding a new card to transfer the balance to. |
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Dani Bo
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Capital One is a great company. It's probably a true offer but the APR will change after one year to a higher %. I have a card with them right now that I locked in with at 4.99%. I love Capital One. |
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mkulda
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It's not too good to be true, but chances are you won't be good enough to qualify.
The best deals are reserved only for the best credit risks, so you have to have a pretty high credit score to get it.
If you don't, they'll still probably have pretty decent rates, if you have a decent, but not high score. |
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shortstf00
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its great for that first year, but after that anything that is on the card will earn interest of whatever they currently have. They have to tell you what it will go up to. Sometimes if you are late on a payment it will automatically go to the APR if you miss a payment during that year of 0% (does that make sense?) They are good about that stuff, but difficult when you want to up your spending limit or lower the APR later. Capital One is great for starting out on credit. |
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ThereseRose
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Contact them at their website and find out. |
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Stacy R
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read the fine print and find out what the interest rate is after the one year deal. Nothing is for free my friend, there is always a catch. |
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James M
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Do a web search, read the reviews and have nothing to do with them. Based on the experience of a family member. |
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David H
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Capital One is only a good company when you don't have any customer issues. And yes, many card companies offer 0% transfers because, statistically, those balances don't get paid off before the offer is up.
As was mentioned, read the fine print. You may be charged all the interest due on the original amount, not just the remaining balance.
Capital One is not a good company to deal with when credit issues need to be resolved. I cancelled mine after just six months. |
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Great Gifts 4 Everyone
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No i think capital one is a good company |
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Some Guy
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It's legit. Capital One's strategy is to get you using their card - credit card companies make a percentage of everything you charge, so Capital One makes money if you switch and use a Cap One card instead of your old card. But if you are late on a payment, look out - they'll hit you with the financing charge, plus the late charge (which is another way they make money off this deal!). |
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J Sto
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Well if you take advantage of the offer you need to keep a few things in mind, after the 1 year it will go to a non-intro rate thats based on your credit. If you take advantage of the offer, be sure to pay attention to your cycle dates, because the balance will need to be paid in full by the last day before that particular cycle ends so you can avoid finance charges. |
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