 How bad is it to use a credit card? |
| I only have two credit cards. One is for Macy's and has no balance on it, the other is a Visa and it has a credit limit of $3,100. That one has only about $150 credit left on it. How bad does it ... |
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 Credit Card w/ late payments? |
I opened a new credit card account 07/2005 with MACYS, 09/2005 I stopped paying and now that Im monitoring my credit score I see it's status which is (120 days late, Late by 4 payments)
... |
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 I have a friend that is wanting to get a personal loan for $2500-$3000. She does have bad/poor credit.? |
| Is it possible for her to even get a personal loan for that amount and if so where/what is the best recommendation for her to apply that's legit? Where could she try and how fast would she know ... |
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 I'm like 10G's in debt, what is a good credit counseling company? |
| I was young and stupid and got myself in debt, i haven't paid it off because i was unemployed. I currently got myself a part time job and want to start to fix my credit. Does credit counseling ... |
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 Can I get a loan for $100,000? |
| I make about $25,000 yearly. I am 22 years old, have been at my job for 18 months. I have no debt except for a medical bill which is about $200 a month. My car is paid off. My credit score is ... |
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 How good is a FICO score of 732 for a 23 year old? |
Additional Details
someone asked about what loans and CCs i have had etc... I've had....
4 loans, all paid off, 0 late payment
4 credit cards, all paid off, all ... |
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 How do i get a credit card? |
| I just turned 18 not long ago and i want to get a credit card to build credit but no place will give me one because i have no credit what do i do?... |
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 Creditors can take your salary? |
| If you have credit cards you owe, can they take money from your salary before you even say how much or if yes? Do you have any say at all? Does your job say yes or no?... |
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 Do i have to call the 1800 number on my temporary card to activate it? |
My bank gave me a temporary debit card the other day and it doesnt work I was wondering did i have to call in and activate it?
Additional Details
i have a pin ... |
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 Will I be able to raise my credit score by doing the following? |
| I just had a question. About 3 months ago I tried to apply for a loan to get a house. However, my credit score was around 560 at the time, so they were asking for a 10,000 down payment and to hire a ... |
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 I have one of the lowest credit scores possible! Where do i start to fix this major financial obstacle? |
| Im hopeful that someone here can point me in the right direction. I have two civil suits against me and some other negative info from old credit cards that I never paid off. (from college) I am 26 ... |
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| I need a personal loan!?!? |
| I have bad credit. But I still need a personal loan. anyone know of any lenders that will give me a loan?... |
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 Paypal ??!!? |
If i'm an ebay seller and I sell an item and want money via paypal service where does the money go?
my credit card?
Thank you in ... |
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 What is your most burning question about getting out of debt? |
| I am in the process of developing a membership site that will help people get out of debt fast. If you're in debt, will you tell me what your most burning question is about how to get out of ... |
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 If I do one of these free credit report pop up ads, will I regret it? |
| I know I should have great credit and am curious because of news warnings etc.... |
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sakura | Do i have to get a credit card to get a car or house? |
i really really don't want a cc because i know all the cons of getting one but i want a car really bad. is there any way to get credit w/o getting a cc and if i got one and didn't use it would i get credit? |
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skcs11
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no/yes |
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nursesr4evr
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Skip the credit card. Buy a car first, because they practically throw them at you these days. You need a year on the job and that's about it. Making car payments will establish your credot so you can buy a house. |
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hotchocolate
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You have to establish credit unless you intend to pay cash for everything. Banks want to see that you're a responsible person. Also, hotels, car rentals and many other businesses require a credit card.
If you obtain a credit card, put small amounts on it so you can pay it off when the bill comes in. This helps you establish and demonstrate good credit. |
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anderentag
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No, you don't need a credit card to buy a car or house. You need credit, though. Unless you are paying cash, you will need to show a good credit score (600 to 850) to get the loan for a house or car.
To get credit, you can take a small loan with a bank (say $300). Take the money and put it into a savings account, and have them withdraw the payments from there.
For someone who want to build the best credit report, open a checking account with direct deposit, open a savings account, get the personal loan and repay it, then get 1 credit card (make small purchases and repay instantly), then wait for a couple of months. Your score should be about 720.
You can now get better interest rates for car loans and a house.
ON credit cards, if you do get one, make sure it doesn't have an annual fee. |
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thanxsuze
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to buy a car or a house, you do not need a credit card. However, you still able to buy either one, as long as you have enought money to pay back.
Good Luck!!! |
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shelcom
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The only things that require a coventional credit card are renting a hotel room or car. |
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Jose L
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You need to build your credit!
It's one of the best ways to build credit. You can start of by buying the goods you normally buy and setting the money aside when the bill gets here pay of the amount in full. Your credit gets better and you don't pay any interest. Control is the key buy only what you need and make sure you put the money aside. |
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heybulldog
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no you dont need a cc. you dont need a cc to rent a car or reserve a hotel room either. A debit card will work just fine.
As far as using one for a emergency. That's stupid. Save up an emergency fund.
Credit Cards are the financial worlds cigarette. |
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backinblack90
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If you have no credit a credit card is the easiest way to build creidt. just do not use more than half of the credit line and make your payments on time.
you have to show payments to build your credit so you do have to use it .. so get a $500 credit card use $250 of it and pay it off within about 3 months. make another purchase of $250 and pay it off again within 3 months. this will build your credit fast it shows good credit management and resposibility |
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The Scorpion
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You wouldn't NEED a credit card to get a car or house. There is nothing inherently evil about credit cards, and it's a good idea to have ONE for emergencies and there are some things you need a credit card for. Just get one and don't use it or charge one little thing a month that you pay off every month and ON TIME EVERY TIME. As long as you pay it off every month, it doesn't matter what the interest rate is. But to answer your question, no you don't need a CC. |
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