 My friend just turned 18 and wants to know how to get her own credit. how can she get her own credit? |
she wants to know how to get her own credit so she can get a new/used car and credit cards and such.
Additional Details
besides just getting a job ... |
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 Can Creditor remove derogatory information from credit report if you make a deal with them to pay the balance? |
| I have an old balance not payed on an acount listed on my credit report. I'm willing to pay it only if the creditor will totally remove the derogatory information from my report. Is this even ... |
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 How can i build up credit? can i get a credit card? |
| i started my credit with my cellphone but i've only had it for 6 months now and me and my husband are looking forward to buy a house but no one won't even rent us an apartment i was ... |
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 I have no credit and want a credit card but don't want to have to prepay for one. Know of one who'll accept me |
| I've tried capital one and they didn't approve me. I tried orchard bank and they wanted me to prepay for one. I don't want to do that. Know of one that will approve me and is actually ... |
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 How do I stop my mom from giving me bad credit? |
| She's been using my ssn to open accounts, and I don't think she's been paying any of the bills! I just got a letter from Sprint(in my name) and I remember we had Sprint a while back, ... |
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 Should i get my daughter a a visa card? |
| my daughter receives an allowance of ten dollars every 15 days and she either cant keep track of it or spends it as soon as she gets it. this happened with my other daughter so i got her a visa card ... |
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 What decision do I do with a money decision? |
| I am getting a good deal of money soon and I want to put it on a credit card bill and get rid of that bill and it would illiminate a 50 charge of interest a month. My fiancee' wants me to pay ... |
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 Is a walmart credit card a good stepping stone to getting a regular credit card? |
Hi, My husband are trying to build our credit score, we've always paid all of our bills on time and he has a good paying job (three years) we have no debts and 4,000 in savings
and we were ... |
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| A friend of mine unfairly denied sale. who is at fault? |
| my friend went to buy something from a shop. He then handed over his credit card for payment. The cashier questioned him that the card isn't signed in the back, so he cannot accept credit card. ... |
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 What do you do when someone stole my social security number and used it to get loan in my name? |
How do I go about in getting that off my credit record and not having to pay for that loan.
Additional Details
Well this happen like 5 years back I just noticed it on my record... does ... |
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| How badly will one missed cell phone payment affect my credit? |
| Paying my phone bill completely slipped my mind last month... Will I suffer for it?... |
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 I owe about 13000 in credit card debt. I earn about 300 a week and my rent is 600. Should i declare bankruptcy |
| Hi. I have owed my creditors money for 6 months. I owe about 13000 and my monthly rent is 600. I have a total of 9 creditors. Two of them, CHASE and Bank of America, have offered to forgive about 3000... |
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 Nearly 8 years old debt - is it still on my credit report? |
i have 3 ccj's and a few debts that at default. i havent paid any of them and they about 8 years old. dont they just come off after a certain amount of years? or do they stay on forever?
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Brianne_Darling | Credit Card Advice? |
I'm 18 years old and beginning as a freshman in college in the fall..
Is there anyone out there that could recommend a hassle free good first credit card.
I just want to start building credit now, so it can have a very low limit. |
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hello
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I got my first credit card at 18 and it was a great decision for me. I pay my bill off in full every month, so I never have to pay interest. If you don't have the money for it, don't buy it.
Look for a card that has no annual fee and that allows you to collect points like Air Miles or something. You can redeem your Air Miles for free stuff. Just search your local bank's website, it will depend on what country you live it so I can't really recommend a specific credit card for you.
Many banks offer student credit cards to help you build your credit. If you pay your bill off in full every month, you will have an easier time getting that car loan, or home mortgage, when the time comes. My credit was so good that I was able to purchase my car and home on my own without a co-signer. |
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joelmeulenberg
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The best strategy is to get a good rewards credit card(s), funnel most/all of your "normal" spending through it (without max'ing it out), and pay your balance in full at the end of each month. That way you'll build your credit quickly, avoid interest, and earn *rewards*.
So the question becomes: Which student rewards card will pay you the most in rewards for your normal spending?
To quickly figure that out, you can use this rewards calculator for student rewards credit cards:
http://www.creditcardtuneup.com/?card_type=College+Student |
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beauty s
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Try Orchard bank or Chase |
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Jeremy P
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There are many options for young people trying to build or establish their credit. Many credit card issuers have cards designed specifically for this purpose. Although these offers tend to have higher interest rates (and additional fees) when compared to 'standard' credit cards-- they'll give you the opportunity to prove your credit worthiness and build your credit score over time. Check them out here:
http://www.asapcreditcard.com/poor-credit.html
But since you're going to college, you might want to consider a 'student' credit card instead. Although you'll pay slightly higher interest rates with these offers as well-- you'll avoid many of the fees (from the offers above). See a complete list here:
http://www.asapcreditcard.com/student-cards.html
Hope this helps. GOOD LUCK! |
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Christina G
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Don't do it. Wait a couple of years. It will be to tepmting to pay for things you want but don't need and don't have the money for right now. First learn to live on a budget. Then in a few years, when you are geting ready to graduate, think about getting a credit card and establishing credit. There is no rush and too many pitfalls. TRUST ME ON THIS!!!
Only get a credit card when you have twice the savings in the bank as the limit on your card and you are willing to spend it all to pay off your card!!! (And this means you don't need that savings for thind like tuition and car insurance!) |
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SCH
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Capitol One has a good student program...just make sure you follow the cardnial rule when it comes to credit cards...only charge up to 50% the available credit...try to pay in full each month (on time is especially important) but if you can't pay in full keep the balance below 50% of the available credit...if you don't your credit score takes a big hit every time you go over 50%. |
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$m¤¤v¥ £¤¢¤
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Actually, there's an eaiser way to build credit than just applying for a student credit card (which isn't a bad thing) but the alternative I'm offering is simple and it's the least cost effective.
If you have a close friend or family member that has excellent credit, ask them to add you to their oldest credit card in excellent standing. They can destroy the card that would be in your name, as you would only be doing this for reporting purposes to build credit. Ideally, you would want to be added to a card that's been opened up at least 3 years, has a high limit, a balance that's 30% or lower than their available credit, with a perfect payment history. Once added, the activity should reflect on your report, building credit for you. This way, you wouldn't have to worry about juggling a credit card bill while you're in school. When I was in college, money was always tight and I leaned on my credit card more than I should have. I was fortunate enough not to go in over my head, unlike some of my classmates that had to file for bankruptcy before they even graduated!(Now THAT'S sad!)
Hopefully, you'll be able to find someone to do this for you, so that when you do graduate, your credit will be built as such to where you'll get offers for the best ones around without even having to go into debt to get it! But if you do decide to apply for a card, Citi has some good ones. Stay away from Capital One. The major knock on them is that they don't report your credit limit, only your high balance, which cause a discrepancy way later on. I posted links to Citi's website where you can apply or you might want to try what I proposed earlier in my answer, then try when they come out to your college to recruit potential customers. |
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Bogart
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Check out Bankrate.com
http://bankrate.com/brm/rate/cc_home.asp
You want a low-interest, no annual fee card. Chase, Citibank, and Capital One are pretty good "starter" cards. |
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Succes
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Some of the well known HSBC credit cards are: HSBC Platinum MasterCard, HSBC Cash Back Rewards MasterCard, HSBC Cash or Fly Rewards MasterCard etc. The primary benefit of these cards is the 0% introductory Annual Percentage Rate on purchases and balance transfer from 6-12 months, right from the day the account is opened. All these cards offer online account management services.
Innovating periodically gives HSBC credit cards the competitive advantage over other credit cards. New features and lucrative deals are introduced regularly. A good example of this innovation is the American DreamCard. |
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DennistheMenace
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get one for gas, something you have to buy anyway. pay it off each month, and look for one w/ rewards and least amount of fees. and just use it for that, and to build credit. if you screw it up....its only your fault. |
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