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 I have been told that every time one checks their credit rating, it actually goes down--is this true? Thanx!?
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 Easiest credit card to get?
which credit card companies are more know for accepting practicly anyone? someone had told me orchid but they will only give me a secured credit card. im not looking for one that i have to give 300 ...


 If you were to loan a friend $100, what interest rate would you ask?
Explain your answer and compute what your return would be....


 I need a 3000 dollar loan asap i have a steady job but no credit history please help me?
i have applied to alot of banks but i have been rejected and im not looking for a payday loan. also i dont have a co-signer i just want a legit source that would help me out......


 I need advice on my cleaning up my debt?
I have $8000 in student loans in default, $800 in charged off credit cards and about $2000 in other charges offs....I know this is horrible so please dont insult me as I am really trying to get this ...


 How can i get out of debt?
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 Does having too many credit cards hurt my chance to get a home loan?
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 What happens if I make less than minimum payment on a credit card?
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 To dispute my credit report can i just send a letter stating that i dispute all items listed on my credit ?
report and i would like to have them looked into....there is always something incorrect and due to this i am not even able to req a copy of the credit report. so i would this type of letter work?...


 Any help getting out of debt??
i have got an old debt from a fruit machine addiction.. £9000.! i have kicked the addiction 3 years ago but now i cant seem to get rid of the debt. My loan finishes in a year so not to worried bout ...


 Whats the easiest way to buy a car with bad credit?
Ive got no down payment but make plenty of money. They wont sell me a car. WTF?...


 I am wondering if anyone out there knows how to get a collection agency to quit harassing you 12 times a day.?
These people from Applied Credit Card call my son at least 12 to 14 times a day, 7 days a week, and they are literally harassing him. They know his financial situation, but they continue to call and ...


 Is bankruptcy a good idea if your debts are spinning out of control?
Due to ill health I cannot work. My husband on a very low wage £600 per month in Cornwall. Our rent is £480 a month alone plus £40 electric on top. We don't own but rent, with no hope of ...


 I have a credit score of 651. Should I get pre-approved for a house now or after I get married next month?
My credit score just recently jumped from a 620 to a 651 so I'm eager to apply for a home loan since my score is a whole tier higher. I'm getting married next month and don't know ...


 Where can someone go to get a loan [for a house] that does not require good credit?
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 Is a 637 an okay credit score?
How can I make it better. I only have 1 account. which is my car. I got pre-approved for a credit card, but then when I applied for it online, I was declined.

I would really like to ...


 If I pay my credit card one day after the due date can the credit card company report me to the credit bureaus
If I pay my credit card one day after the due date can the credit card company report me to the credit bureaus?

I've heard from a CPA's assistant that they can only report you if ...


 Bank of America shut down my account for "Fradulent Activity" even though I reported everything to them.
Last week, I saw that there were large deposits made to my Bank of America Account via BAD CHECKS.(1 for $2900 and one for $2500), I also saw that my ATM card was being used while I was at work & ...


 Chase changed my apr rate to 27%!?
I have an account with Chase and it was at an APR of 17%. I went to their website and got their number, after waiting 15 min. I finally got a 'customer service representative'. I asked if ...


 Did you know that free credit-report.com are liars?
I went online to obtain a free credit report for 30 days free trial membership.It is supposed to be free.They charged my account 12.95.How free is that? I called them and inquried about the reason ...



Clumsy_girl87
Credit Card Question??? How to get one?????
I really want a credit card, but do i need credits in order to get one?? or do i apply for one???

How does a credit card works??
Additional Details
Thank you sooo much for all of your great answers!!
                     
 




Mommy2Be
Rating
To be honest if you don't know how they work, you shouldn't have one. I'm not saying that to mean but credit card companies LOVE to scam people who don't know much about this stuff. Trust me.


*Thomas Is Our Autistic Wonder*
Rating
Why would you want one ?
That's something i have never used and so glad i haven't !


Choqs
If you don't understand how credit works you are to young and probably immature to have one. If you don't have a job you won't get one, if you have a student loan you might as I hear the companies are now targetting college students. Leaving them, by the way, years in debt by the end of college and starting life behind the eight ball.
Use cash and stay out of debt. If you can't save up and pay cash you most likely don't need or can not afford the item. The fact that you "really want a credit card" not need, but want...that attitude is deadly.
If you aren't 18 you can't even get one because you can't sign a contract and that is what a credit card is an agreement to buy now pay later and at ridiculous interest rates. Credit when used improperly will cause you nothing but grief and years of stress, collection agencies hounding you, solicitation by telemarketers etc. If that sounds like something you want to deal with then fill out an application and see where it gets you.


Antas17
No don't!


guru
Rating
You should have a credit card to earn credit. Make sure to keep up with the payments to keep your credit strong. You apply for credit cards, either at the company, the bank, online, or through the mail (when they send you credit card applications). A credit card is where you charge whatever you want to purchase then pay back the credit card company.

You can find out more at http://money.howstuffworks.com/credit-card.htm

I just got my first credit card, but I wasn't approved because I do not work...or something like that. I went to WAMU and got a SECURE credit card. You might want to look into that. Basically, it is like a debit card, because you put in money first and use it. But you still can build up credit with it.


AISHA T
try this site it can make you good money and it is easy to do. There are no fees and it pays out every Friday. It is one of the few work at home websites that has made me good money consistently. It makes me $1200-$1500 a month. Or try one of these other good work from home websites on this site
http://www.projectpayday.com/go/1025634


dwp_ins@verizon.net
Rating
One of the easy ways to get a credit card is through...

http://www.rightcharge.org

They have a secure online application and they allow you to compare many companies and different types of cards so that you can be sure that you are getting the right card for you.

I would check them out they make it easy.

Good Luck.


ska8ter
you can apply on line but if your credits not good your not going to get one and if you do the interest will be so high that its not worth having


worldpeace
Rating
go to www.fastcreditcardapprovals.com and apply for one here you will be able to compare them all side by side on rates, fees and rewards but if you are just starting your credit you will not get appoved for the higher end credit cards since you have to have stablish credit, just go under poor or no credit section if you are starting your credit and it will give you a few options.


Jeremy B
Rating
It is now easier than ever for students to apply for credit cards. Even if you aren't employed or you don't have good credit, you could apply for a prepaid credit card. These entry level credit cards can help you build better credit if used responsibly. When used irresponsibly, you can rack up a lot of debt. Here is a hood website to compare student credit card offers:
http://www.collegestudentcreditcards.net


Margarite
Rating
Just apply for one and see if you get it. You can eve apply online. They'll check your credit and let you know if they want to give you one or not.


CreditAdvice
Rating
You can apply for a credit card. Before you apply for one, just research on different cards and choose the one that best fits you. If you are new to credit, l suggest applying for a card that has low interest, 0% balance transfer, rewards such as cash backs and no annual fees. This will help you. For more credit card information visit
http://www.bestcreditcardratings.com
http://www.bestcreditcardratings.com/no-credit-history


laseykay
DON'T GET ONE, IT WILL JUST GET YOU INTO DEBT, TRUST ME!!


Kristi
go to like capital one.com and apply for one, you cant get one unless you apply for one first


russ s
Rating
if you have to ask, you probably won't get one and can't afford it


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