 Credit Cards??? |
| Ok I have a question about credit cards. I just got a new credit card to pay off another one because it has 0 % till Jan 2009 on balance transfers. I got approved for $8,000.00 (by the way I have ... |
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 Banks / Credit Scores etc.? |
I want to apply for a bank account but I don't have much of a credit record. There's nothign negative - just nothing much at all.
I have tried with First Direct and they refused me ... |
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 Is my debit card a credit card? |
Hello every one.
i opened and account with key bank.
In order to get a free ipod!
as part of the promotion i had to apply
for a key bank credit card!
a debit card ... |
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 Something is on my creditcard bill I didnt buy!!!!!!!!!!!! |
| I was looking at my credit card statement, and there is somthing on there that I didnt purchase, I am really scared, is this going to happen all the time? What should I do? I called my credit card ... |
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 How do you get out of debt faster? |
| I'm in desperate need of help. My issue is that it doesn't seem like my credit card debt is going anywhere. I can't afford to pay much more than I am each month and it's always ... |
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 Can credit card companies sue an estate of someone who has died to collect outstanding balances? |
| My father in-law has incurable cancer, and outstanding credit card debt of about $55K. Can the credit card companies sue his estate or children to collect the outstanding balances on his accounts ... |
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 Should my fiance cancel her credit cards after we get married? |
| I currently have an excellent credit score, and my fiance has a very good score. We both have had credit cards for 3+ years, and when we get married i wish to keep our credit cards and finances ... |
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 Can anybody help me?? |
| i tried to open a money market account but i couldn't because i had a negative rating on my credit report..so i contacted Chex Systems and it said that i was overdrawn $160 with an account i had ... |
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 Help me please. This is so hard!? |
| I need to transfer my balance from 1 credit card to another so that i don't have to pay any interest. The credit card needs to be 1 were it is free to transfer and has 0% interest on balance ... |
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 I am in serious credit card debt. Should I claim bankrupcy? |
| My husband of 15 years walked out on me and my 3 kids 10 day before Christmas of 2006. He was our soul provider. I make only 18,000 a year. I had a 2000 a month mortgage and bills. He paid for a ... |
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 Im having trouble opening a savings account can you help? |
| I need help with chex system.I cant open a savings acct becuse of info they have on me.I am unable to contact them and with this im having trouble just cashing my payroll check.im recently divorced ... |
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 Dispute Bankruptcy? |
| I filed a bankruptcy 8 years ago. Chapter 7. I was told that if I write the bureaus a letter disputing this legitimate bankruptcy, That there is no way to legitimize the bankruptcy this far out and ... |
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 Where can i buy a pre-paid credit card thats i can put more then 100 dollers.......? |
| because i only seen like from $25 $50 $100 but i want atleast a $200 one for a gift help please ... |
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 Looking for a good credit card? |
hey i'm looking for a new credit card, low apr, balance transfers, airfare rewards, you guys got any good ones?
thanx
... |
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Simbalion | Do having open credit card (such as best buy and banana republic) with a zero balance hurt your credit? |
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Petunia
|
I believe it helps your credit |
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Dave W
|
I say no.
If you have a low 'debt to credit ratio' chances are you're a good credit risk.
I was told to pay out my credit cards but do not close the accounts for this reason. High available credit with low actual debt.
Just because you have a credit card doesn't mean you're inclined to use it.
Your debt to earnings rato should be 40% or lower and the lower the better. |
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Luckys Charm
 |
Actually it good for your credit |
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Keith Python
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It can insofar as it is credit that you have available and that has to be considered if you are seeking a bank loan. If you are not using these cards you should cancel them. |
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brandiejs1979
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It does not really HURT it, but it also does NOT help it. If you have too many lines of credit, even if you are not using them, it is still open-credit and too much of anything is not good.
It is best to have one or two really good lines of credit with major credit cards, like VISA or Mastercard....the department stores are not as good....not to mention their RETARDED interest rates. |
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kja63
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It can. All available credit goes against your credit score. So if you have a charge card with a $1,000 limit but a zero balance, the $1,000 limit will be used when figuring your credit score because you have the ability to go right out and charge that much. |
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parsonsel
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It depends. Sometimes they look at the amount of money you potentially could go out and spend as well as what balances you're carrying. If, at the drop of the hat you could go out and charge 60k and you're only making 20k and carrying balance of 5K, that might make them go hmmmm.
If you don't use those cards it's better to call and close them. Have them recorded as closed at customer request. |
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Mariposa
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No, because you are using a lower portion of your available balance and you are increasing your average account age if you keep it open. |
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open4one
 |
It depends. Part of the credit score compares the ratio of "available credit" to "credit used". If the credit card has no posted limit, that isn't good, because.... that would mean that if you only had a no limit credit card, your available credit is zero, but if it had a balance of $10, you are looked at as being over your limit.
This kind of thing, evaluating credit is a pretty confusing thing. If you're contemplating a big purchase soon like a house or car where your credit score can make a huge impact, talk to someone that really knows, like a mortgage broker. |
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barbara w
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its a good thing as long as you had no late payments |
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