 What does Cash on demand mean? |
| I have a credit card and it says that it has cash on demand. What does that mean?! Thank you in advance........ |
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 Should I pay debt collection or ignore? |
| I had a cell phone a couple years back that ended up going WAY over my plan minutes due to work use. Work agreed to pay their share, then bailed. The cell company cut off the phone and wanted the ... |
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 Will this affect my credit? |
| My dentist thinks I owe him $100. I disagree. If he reports to a collection agency, will that severely harm my credit even though I don't think it's my fault?... |
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| I've been subpoenaed for $2000 credit card debt, what's the recourse if I don't go? |
| About 12 years ago, I had 10 credit cards. Through various debt consolidation agencies and extra cash, I paid off most of them. 3 of them I left flapping in the wind because those particular ... |
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 Capital one taking legal action? |
I owe capital one 3000 and somehow now its 4000
a bill collector called me and said that i need to pay that amount or their going to sew me. I told him I cant pay all that amount but that Im ... |
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 Whay would you do if you were fired for reporting bank fraud?move on? persue wrongfull termination??????????? |
| worked as gsm at a car dealer in fl. i am also on probation till my sentecing wich is going to be a dropped felony.it had to due with a bad addiction wich i am getting thru .i also diclosed this to ... |
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 Does filing bankruptcy or having your house foreclosed on affect your current credit cards that u have? |
| If I file bankruptcy or let my home be foreclosed will that affect my current credit card interest rates? Im in great standing with my credit cards. After the foreclosure happens can the credit card ... |
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 If i get approve for a credit card will that bring down my credit score? |
| I been thinking of getting a credit card but i wanna know if i get approve for a credit card will that still bring down my credit score.... |
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 Ok here's my situation..just looking for opinions.I am over $9,000 in debt with credit cards...? |
| i also pay a gas bill,electric bill,internet and cable bill and cell phone bill.I am wayyy overdue on doctor and hospital bills also.I have a 7 month old and cannot afford a baby sitter so I only ... |
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 Can my daughter ruin my credit? She is 20.? |
My daughter just did a very, very stupid thing. She cosigned for a loan with her boyfriend. A 10,000 dollar loan, for a car, no less. (She drives a $500 Camry)
I pay for her insurance, ... |
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 What does "charged off" mean? |
| I am in debt (past due) and many of my accounts are marked "charged off" on my credit report? What does this mean? Also, what if I am incapable of paying off the debt financially, but can ... |
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 Question about overdraft at Bank of America? |
| i bought something with my debit card and i accidentally overdrafted only by 6 cents though, so i now have negative 6 cents in my checking account are they going to charge me for this? and if so how ... |
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 How can I get a Visa or Mastercard if I have bad credit? |
| I am a student and want a credit card for emergencies.... |
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LC | How did you get your credit started? |
i'm having a hard time starting my credit. I just need some ideas what works good and what doesnt.
The do's and donts about starting credit |
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Momma Bear
 |
Well, I had a debit card and wanted to start credit so I got a credit card (you should start with a major credit card). I do not like credit cards, but in this world you need credit if you cant put cash down on a house. So, I put a few things on the card a month and I pay more than the minimum due on my bill. I have never had anything due on my bill since my first one because I continue to pay even when there is nothing due. This is so I do not get caught up in the credit card life and get into debt. Debt is a bad thing. We all know this.
I only put on the card what I can pay off immediately. If you really have no need for a credit card, just get one and put a few things on it and pay it off and keep reapeating. Dont get a credit card to build credit and then get yourself lost in the money you owe. Just get a card and pay what you can, you will still get credit and it will be good credit.
I have only had my card for a month and a half and I started out with a $300 limit. I now have a $2500 limit. Though I do not go to my limit, I only put on a $150 on my card a month.
Good luck with building credit. |
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justbeingher
 |
Store credit cards are usually the best way to start, unless you can get an unsecured Visa or Mastercard from your bank.
You are trying to establish a reliable payment history, so start small, and always pay bills on time. Make small purchases and pay off balance in 1-2 months. Keep doing this and it will help build your credit.
Make sure you don't get more accounts than your income will support. You should have about 1/3 or less dollar amount of credit compared to your earnings to start. Then you can step it up as your rating and income rise. |
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Samanamantha
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The best thing is to get a store credit card, the kind that is only used at a particular place, such as Target, Kohls, Meijers, wherever you like to shop. You only need one to start off with, you can get another later. Go to the store with enough money to purchase whatever you need that day. Select your items and then purchase them with the credit card. Then, immediately pay off the balance with the money you brought with you. Keep the card well under your credit limit and do not leave a balance. For example, I turned 18 and immediately got a Kohls and Elder Bierman card. I did as outlined, purchasing only what I could afford and paying it off in line as soon as I charged it. I just recently turned 21 and have the first real credit card ever. Also, I have a credit score of 720, which is phenomenal for someone my age, so I know it works. Again, keep the cards open and do not overspend or keep a limit. This will ensure success! Good luck! |
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Mysterious
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I bought a snowmobile and by paying the monthy payment I got credit |
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thatgirl
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I started my credit with one credit card. I used it once a month -- for something I could definitely pay off at the end of the month -- such as gas or an item that was under $30. Then I paid the balance in full at the end of the month. Just carrying a credit card and keeping the account in good standing will help you start your credit. Remember paying the only the minimum payment is never a good idea and spending your entire credit line is a terrible idea. |
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rhsaunders
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Find somebody who will advance you credit; credit card companies are always on the hunt for new customers. Then pay your bills on time, and in full, every month. |
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smartmitch
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got my first credit card in college
there are two tricks to establishing great credit......first keep your first credit card basically forever just to establish history...even if you stop using it
second.....the more often you are "comfortably" under your credit limit the better. It shows you dont need all the credit you have. The flip side of that is dont go out and get more credit than you need.
It's a balance.
Basically dont be a typical consumer and go on shopping sprees without being able to pay for what you buy. In other words dont be me. haha |
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tonalc1
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I got a card from Macy's, made purchases and paid them off every month. |
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JC is the MAN
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As soon as I was 18, i got a credit card. I mainly put gas on the credit card and I payed it off every month for 2 years straight. No late payments. My credit was good ever since. |
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mom
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♥ ♥ by making payments on something, use it wisely....sometimes jewelry stores are good places to start, buy something small and useful, make your payments on time....some furniture stores also carry their own credit.... ♥ ♥ |
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