 Looking for freeannualcreditreportfro... |
| THE SITES I HAVE GONE TO SAY IT'S FREE BUT IT'S NOT, THEY END UP ASKING FOR CREDIT NUMBER... |
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 Question about credit card, to gain credit? Paying off balance in full every month? |
| I need to establish credit, so I have applied for a BancFirst credit card, and my plan was to make like a $50.00 purchase or so each month and pay it off at the end of each month, I am now being told ... |
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 How do I get rid of credit card debt? |
| I'm about $3000 in credit card debt, mostly because I'm a college student and I only make about $600 a month where I work...sometimes a little less because I also have insurance through my ... |
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 Why do i keep failing credit checks? |
| I have been trying to get a phone on contract for a few months now, i have never been in debt and always pay bills on time, but i always get my credit check decline. theres no way of viewing your ... |
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 Debit Gift Card? |
I was wondering if i could use a Vanilla Visa Debit Card on website to buy something from France but on the card it says
VALID ONLY IN THE UNITED STATES
does that mean i cant buy what ever ... |
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 What's a good way to build credit? |
| I would like to build credit so I can take out a loan. I don't have any credit now, and I found a house I'm interested in, so i need to build some credit as fast as possible. Any ... |
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 I just got a letter? |
from the bank saying I got to pay £28 maintenance fee
anyone know what thats ... |
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| A question about my car loan? |
| I purchased a car last year august with bad credit and now have a high intrest of 23%. how long should i wait to try and refinance. my credit is really not any better ... |
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 How long does it take for a negative mark on your credit report to drop off? |
| I had a great credit score until there was a mix up with a cable service that I cancelled but still billed for. I now have (2) derogatory items on my report. I am in the process of disputing this ... |
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 My 1st credit card? |
| how and where can i get one? im 23 and have always just used my debit card. as for my credit i had a few problems a couple years ago but have but have been good for about a year. what is the best way ... |
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 Ex-fiance co-signed car loan (I own car & make ALL pmts) & now wants name off loan-who's responsible to remove |
| Car is in both names (registration) but insured in my name. I have been the sole driver of the car since purchasing it. I have made ALL payments. Ex does not want his name associated with loan. H... |
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 Need to pay a debt by tomorrow or else i have to go to court.? |
| Hi i live in CO and have a collector demanding i pay a discover card i owe 3k on from 1999 when my husband just left me, i could not pay it. This collector is giving me an option to pay 1500 now and ... |
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 Accepting payment from a possible stolen credit card...? |
| Ok, I sold an item on Ebay and it went to someone living in Africa. They have a negative 1 feedback score and someone from the "UK" footed the bill on their credit card in my paypal ... |
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5yellowchips | Good 1st credit card? (plz read details)? |
I am 18 & have not had a credit card b4, I am looking 4 1 which i could use free (provided i payed the balance of monthly) & if possible 1 which gives cash back or points.
I have no credit record as I have never been in debt.
Thanks for any help. |
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england til i die
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why is any company gonna give you credit for free? They are money making organisations and you are the customer.
What you can do is take the interest free promos that a lot of cards give for a few months and keep swapping cards after this period (you gotta keep on top of it though). Unfortunatly most companies are getting wise and now offer 6 months interest free credit but NOT free money transfer which means you are paying them to take on your existing credit.
It can be done if you keep an eye on it but if you are that bothered about paying interest, then start a savings account and "pay off" an item before you purchace it |
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fr3aky_lb
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I would seriously recommend NOT getting a credit card, it's far too easy to fall into the trap and get in debt. I got my first credit card about five years back, after 4 years I was in £12000 debt with 4 different cards. I know I can mostly blame myself for this stupidity, but the banks made it all too easy to do it. Previous to the credit cards I also never had any debt or bad credit scoring, I was very sensible about money and always thought about purchases. Once I had those cards I started spending like it was going out of fashion. Now I'll be another or 5 years paying it off. And I've known a couple of people that have done the same thing, one friend has even had to declare themselves bankrupt. Use a debit card instead, that way you can't spend what you don't have. |
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naplusultra
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You would be much better of with a bank account which offers interest free overdraft of £500 and upwards. Why pay up to 29% interest. Most shops accept debit cards and you can withdraw cash with the card for free. Credit cards charge you for this. |
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Lora B
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Go to your bank and get a credit card from them, I do at US Bank and you earn a money back on your purchases and they put it in your checking account. |
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Tracy S
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Look into Capital One. They usually give very good rates. |
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REALIST L
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PLZ WHATEVER YOU DO PUT A PASSWORD ON YOUR SOCIAL SECURITY # VERY IMPORTANT THAT WAY YOU ARE THE ONLY PERSON WHO WILL BE ABLE TO ESTABLISH CREDIT I THOUHGT WHEN I HIT 18 I HAD GOOD CREDIT AND WAS READY TO ROLL BUT TO MY SURPRISE SOMEONE HAD ESTABLISH AND RUINED MY CREDIT AS EARLY ON WHEN I WAS 12 YRS OLD DONT ASK ME HOW BUT THE WORSE IS YET TO COME IM 34 NOW AND STILL TRYING TO GET ALOT OF SOMEONE ELSES BULL CRAP OFF MY CREDIT ITS NOT AN EASY PROCESS TO REMOVE THINGS OFF REGARDLESS OF HOW YOUNG YOU WERE WHEN SOMEONE ELSE ESTABLISHED IT ALL YOU NEED IS ONE VISA OR MASTERCARD DONT GET CAUGHT UP WITH 4-6 CREDIT CARDS GET 1 AND MAYBE A TARGET OR WALL MART ONE DEPARTMENT STORE AND BUILD YOUR CREDIT UP FROM THOSE TWO MAKE PAYMENTS ON TIME GL |
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TheTruthAboutMortgage.com
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Just go to a local college and you'll see booths selling credit cards.
Review the following items:
1. Annual fee?
2. Points/rewards offered?
3. APR %?
Basically you want $0 annual fee, points and rewards if possible, and the lowest APR % possible.
Learn more about mortgage, credit, and personal finance:
http://www.thetruthaboutmortgage.com |
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InitialDave
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My HSBC Mastercard costs me nothing as long as I pay the balance off each month. I set it up to Direct Debit the full amount from my bank account automatically, means I never miss a payment. I don't get any cashback deals etc though.
Having a credit card, even if you don't use it, can help your credit record - because the bank's info will show that you've never missed a payment, and so are a responsible borrower. This is useful when you're looking for loans, mortgages etc.
It can take a lot of self control not to just think "ah, what the hell..." and start loading stuff on the card, though. Be honest with yourself about whether you can refrain from doing that. |
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get2chambers
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my dear friend you dont need credit card that you will pay off, all the banks are ripping cunsumer off their money , the best thing is to get the dogy one and use , be a smart person OK. |
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