 If you pay of a credit card, and then get a refund, what happens? |
| So I have a credit card with a fairly high APR with a $200 balance on it. If I pay it off completely, and then end up getting that money refunded to me, what happens to my account? does it make my ... |
|
 Is it illegal to charge a consumer more more if he or she would prefer to use a visa/mastercard over cash? |
I work for a company who has independent contractors that are always trying to get our customers to pay with cash vs. credit. I am wondering if this practice is illegal.
Our company ... |
|
 Could my wife be affected if i file bankruptcy? |
| We don't share any credit card and checking accounts, and the propety doesn't has my name on it.... |
|
 Do I need a credit card? |
| I just graduated from a graduate program. I have never had an actual credit card, just a bank account with a credit/debit card. My BF told me I needed to get a credit card to establish my credit to ... |
|
 Obama now wants to go after "predatory credit card" companies? |
| because they are the ones responsible for putting Americans into debt. In my opinion, Americans' lack of personal responsibility is what is getting them into debt. Keeping up with the Jones... |
|
 Credit check for a job? |
| i have been offered a job pending a credit report on myself so i cant get excited about the job offer because i might not get it. Can anyone tell me what type of debt they look for? i have been late ... |
|
 Does the average American really have 8 credit cards? ? |
| There is a debt consolidation company that has a commercial which claims that the average American has 8 credit cards in their wallet. I find this totally ridiculous, and hard to believe. Do you ... |
|
 How should i deal with my debt? |
| im currently with Scottish power for my gas and elec, and have been unable to keep up with the payments so have a debt of £915 with them(wont bore u with the details). They have now passed me on to ... |
|
| Should I settle my debt of pay it in full? |
| I am 10 k in debt and haven't paid on any of it for over a year. I know that if i make a settlement that it will show on my credit just as that and not paid in full. I think i can cut the amount ... |
|
 What does "Principle" mean when dealing with loans? |
It's hard to find the definition. I have looked it up before posting here, but can't find it.
Thanks in advance.
(I do vote best btw)... |
|
 When a credit card had "check ID" on the back, what do I need to look for on the license? |
| I know that the face need to match the person, and the name on the credit card needs to match the name on the ID. Is that it? Or do I need to check anything else?... |
|
 Hey can anyone tell me where i can get a loan for 3000 dollars please help? |
| hey im unemployed have good reefences but bad credit rating im after a loan of 3000 dollars does anyone know where there a website that will loan me the ... |
|
| â–º Whats the best way to build my credit? Right now I have NO credit at all? |
Im 21 and have NO credit.
Im also a college student and have no job (hence no money, lol). I graduate next year (May) and will need an apt and car, but right now I dont have any credit. What ... |
|
 I was served papers for an overdure credit card? |
Okay so I got served papers for an outstanding credit card debit.
The balance is now $6,000, but the credit limit qas $2,000. I had called the company several times to try and set up a ... |
|
 Suggest credit card good one? |
| which credit card is good?... |
|
 Capital one card? |
| iv just been offered a capital one card and can have up to 2500 pounds say i spent all of that what what kind of payment would they want each month and are capital one a good card company to go with ... |
|
|  |
sb0983 | Credit Cards? How do I get my own credit card? |
Today I found out that my credit score is 770. The reasons why my credit score is high is because my parents co signed ro me to get a car loan. I also have a credit card but my parents also have the same credit card. Today when I went to apply or a credit card I got rejected. I don't make alot of money. My question is even though I have a high credit card and becuase I don't make alot of money is that the reason I got rejected? Is there any way I can got my own credit card since I don't make alot of money. Are there any credit cards companies out there that would give me a credit card without have to make alot of money? |
 |
 
Titanic
 |
Don't get a credit card to begin with because companies love ripping you off by high interest. They rejected you because your too high of a credit card. All that crap you need you can't take it when you die. You are literally having the credit card own you. They destroy your life. |
|
paul r
 |
First you need to get with a bank and get a secured credit card . Its your money you spend but is monitored by credit beuros as a credit card . Use it at least 2 times and pay your bill on time the first time.. and for the second purchase do the same. after you do that try and apply again because now you have the credit in your name (solo) Now you have deemed responsability for your self.. But remember credit cards can be serious draw backs if you are not careful.. Good luck |
|
scott1x
 |
A lot of banks (Wachovia is the one I use) bundle accounts together and if you carry checking and savings, after a period of time, would be eligible for a credit card. By carrying a balance, you establish credibility with them.
That's one way to start. |
|
Christopher P
|
A good friend of mine whose credit score was not so good told me recently that even though she had a poor credit rating and was previoiusly rejected when she applied for credit cards, she applied online for a credit card and had her application approved. This was sometime last week I think. The site she applied via was:- http://www.smartecredit.com/credit_card_application_for_bad_credit.php
Regards. |
|
Earth to Doris
|
My friend Hector make credit card for small money |
|
Jimmy John
|
Yes. You'll have to earn more money to get a good rate, but look at majors (Citi Credit cards, etc.) |
|
moneywise
|
YOu don't need a credit card. Get a debit card instead. You won't get rejected and you won't get into debt. |
|
Advisor
|
Try applying for an Orchard credit card. They are probably one of the easiest to get http://www.ccvault.com/credit_cards/bad_credit.php |
|
mom of a boy and girl
|
Usually you have to buy something over $100.00 and pay cash up front...Then that store recognizes you as paying "on time" and it looks good on their record.
Next, buy something and pay cash up front again at another store.........b/4 long that store will offer you their credit card, and the word gets out to Visa, and other master card holder and they will offer the same....
Just keep in mind that the interest may be 25% or higher.
If you are late, you still owe the amount and the extra 25%added 2 times for 2 months late....It really adds up, so keep up with the minimum payment required, and pay extra when you can, even if it is just $10.00.because that means you have better credit than the average person. good luck |
|
double_o_shelbo
 |
I'd say hold out till you make enough money. Your debt to income ratio plays a huge part in whether or not you get loans and credit cards. So just hang in there, you'll be able to get one soon enough.
If you're really bent on having one in your own name, go one the Capital One website. Actually any big name bank will do, then apply. They'll tell you right then and there. If that one doesn't work try another. just don't do it more than a couple times.
With a credit score of 770 you can afford to have a couple "inquiries" on your credit. just don't go overboard. try a couple places then give it a quarter or two before you try again.
That's what I've got for suggestions. If I was in your position I'd focus on stepping up the income a bit though. Getting a better paying job will lessen the chance of becoming over extended. You might find yourself in a bind if you get the credit card but don't have the income to pay it. I know I did about 7 years back. |
|
Marianne T
|
The reason you were turned down is because you have low earnings. They think you will not pay on time for that reason. What you need to do is get a "secured" credit card. That means it looks just like any other card. However, if you have a $300 limit, then you will need to deposit $300 cash as a deposit with them. It doesn't work like a $300 balance on a debit card either. You charge $75 one month and you pay $25 when you get the invoice. you will still have $300 as a credit limit and you will need to repay what you have borrowed. Do it on your own. Don't have anyone co-sign or anything so you build your own credit. In a year or two, after you have made the payments on time each month, the credit card company will refund your $300 deposit at that time. If not, they will liquidate your account and use the $300 to pay back what you owe and tell the credit reporting companies that you are a bad risk. It's easy. No one but you knows. And this way you will earn your good credit. |
|
jcTROE
|
Yes try Chase or Capitol One they usually issue it out with a low credit limit of about $300 or $500. Its better if youre a student/ student credit cards are the easiest to get/ but then again do you really need a credit card?!! |
|
Kramer
|
Are you sure you want a credit card? Don't even waste your time on thinking in a Capital One credit card. They are the worst company, because they don't report the right information to the bureaus therefore you're score will suffer. They are easy to get, the ONLY reason I have one was because I didn't have any credit and they were the only ones who would issue me a card at the time, but now that I got credit I'm seriously thinking about canceling it. Anyway, sit down and really think about this, the last thing you want to do is get in debt. It's totally up to you. Once you have a credit card it's very easy to get in debt, trust me on this one. Have you considered getting a debit card? |
|
Succes
|
Apply for an American Blue Express Credit Card: Apart from no annual fee feature of the American Blue Express it also gives cash returns on specific purchases. Users of the American Blue Express also enjoy protection against fraud for online credit card transactions. This card tries to right the various wrong notions about the American Express credit cards, one of which is that it is a credit card only for rich or those who have money to keep a credit card.
Getting this card will also give you access to various other cards from American Express. American Express targets people of different styles and tastes. There is an appropriate American Express card for everybody in the family. The company also wants to target a niche market for credit cards, especially women and the youth. With this aim in mind, the American Blue Express was created. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
12 | 6 minutes(s) ago
| | | |
13 | 29 minutes(s) ago
| | | |
13 | 2 hour(s) ago
| | | |
11 | 6 hour(s) ago
| | | |
13 | 7 hour(s) ago
| | | |
14 | 10 hour(s) ago
| | | |
13 | 2 day(s) ago
| | | |
14 | 4 day(s) ago
| | | |
12 | 1 week(s) ago
| | | |
12 | 1 month(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
