 I need a personal loan of 1700 in 3 days!! HELP? |
| I need a personal loan of 1700, if I don't have it in 3 days the company will take me to court. I have bad credit because of this company, so no banks want to lend to me. I am an honest person ... |
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 Is it possible for someone who has just gone through bankruptcy to receive a new credit card? |
| My mother-in-law is 89 and has just filed for bankruptcy due to $37,000 of credit card debt incurred over many years by her son...primary caretaker. I am concerned that he enjoyed "getting away&... |
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 Which card is safer dibet card or credit card to shop online? |
i am just scary to shop online but i dont know which card is safe and how do i know which site is safer PLEASE GIVE ME SOME HINT ABOUT WHICH SITE IS SAFE AND WHICH CARD IS MORE SAFER
THANK YOU... |
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 Credit Problems? |
| I'm 21 years old and have been trying for over a year to get a credit card, and no matter what credit card I apply for through whatever company, I always get declined. I have no idea why. I was ... |
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 I need a loan for a car but i have no credit ? |
| i need to get a car i could pay monthly payments but not a whole lot what do you recommend should i try to get a loan or what i am confused HELP!!!... |
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 What are some things I can do to improve my credit in the short-term? |
| I want to improve my credit. I know what to do overall but I need to know what to do in the short-term to increase my credit score.... |
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 What happens if you say you never received your credit card and you really did? |
| I recently called my salute credit card company because im sick of the way they do buisiness and the way they've been taking out funds from my bank account without my approval but they claimed ... |
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 Debt and Overdraft problems. Advice please? |
Hi,
I was made reduntant from my job last September. I worked for a large bank and they layed off 80% of the department.
I had only been there 8 months so I was not elible for ... |
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 Credit Card without large fees? |
Additional Details
I am talking about the annual fees and application fees. I know there will be fees for late payment and I am not talking about that.... |
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 How can a vehicle title be transfered without my knowledge or permission? |
| A vehicle I cosigned on,and still has an outstanding balance,has had my name removed as owner,and co-owner is now listed as sole owner...I never signed title,certificate to gift vehicle,or any power ... |
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 How long can a collection agency try to collect on a debt? |
| I owned a business (sole proprietorship) which was closed. All but one debt was paid off. The business has been closed for 12 years, and about 4 years after it closed, I got invoices for an unpaid ... |
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 How do you know its a collection agency and not a fraud? |
| I just got a call from a collection agency well actually they called my grandmothers house and i got the number and called back today. Its for a sprint bill from 2004 and they said they could take it ... |
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 Someone has used my social security number! HELP? |
| All I know for sure is that it was used to get food stamps in another state. I am terrified what else may have been done. Can anyone tell me what I can do? I definately cant travel to another state BT... |
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 How can a 13 yr old girl make some money for summer clothes? |
I need ideas and tips for making money this summer, for summer clothes etc...
If you can help that would be GREAT!
=)... |
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bmeister1954 | Does applying for too many credit cards hurt your credit score? |
I have excellent credit and do not need any more cards, but some of the offers we receive in the mail look too good to pass up. Is it harmful to obtain them and then later cancel them, if you maintain a good record? |
 |
 
cat m
|
Yes, it might. Each credit card increases your available credit. It might be assumed that you would spend to your limit at some point. Thus, if you have 4 cards that you do not need with credit limits of $25,000.00 each, you could potentially spend $100,000.00 dollars. The credit reporting agencies would take this into consideration, although with excellent credit it probably wouldn't have too bad an effect. |
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teresadick30
|
Yes it does hurt your credit because even though you may not be using those cards you still have yet another open branch of credit that is setting inactive |
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Holly C
 |
Inquiries into and applications for credit can effect your credit score. The number of times a person has asked for credit or has had an inquiry into their credit record affects the credit score; frequent requests for credit or frequent inquiries in a short period of time bring down the credit score.
Also, closing a credit card account could hurt your score. If you are considering closing an account that you’ve had for a long time, you may want to think again. According to myFICO.com, your length of credit history accounts for a full 15-percent of your credit score.
Opening several accounts close together can lower your score. MyFICO.com advises opening accounts only as you need them, to avoid this pitfall. |
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Army Gal
|
Yes it can. Everytime your credit score is pulled, it takes, points off off your score. The mailings you receive have already had a look at your score and thats usually why they say you are pre-approved or whatever. If you already have good credit adn you already have cards, don't get any more. So many people fall into that trap and then they are left paying ridiculous interest rates and late fees. Just keep what you have now and throw theother ones away. Another thing is having too many credit cards hurts your score as well. |
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khuranapvp
 |
Yes it might |
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james
|
when you apply they show up on the 3 credit services. if you apply to too many it makes you look like a risk. but it does not hurt or help your score. as long as you do not have late fees on them every thing will stay fine if your not using them. but to build the # make the payments on time everytime. |
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ZX7RR
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Yes. Having too many queries on your credit report can have a negative affect. Also having too many lines of open credit can have a negative affect. |
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robert KS LEE.
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yes as they r linked to each other.u may not use so many cards at one time so some cards r active n some inactive,n this w'd hurt ur credit score at the end of the day.it's better to have 1 or 2 credit cards easier to utilise n maintain. |
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Expert
 |
no harm see resources at |
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gaya.0001
 |
NO ..............i think so |
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mop-27
 |
First, make sure that the bank or institution offering you the cards are not charging any annual rate. But, other than a few cards, I would shread the offers. And, it's not harmful to cancel them, it just makes the bank, et al, want to make you a better offer. |
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*G*
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Yes as it will look like your desperate to open so many cards at once... one or two may be okay per year.... each inquiry makes your score go down |
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