 Visa debit card needed - which ( UK) bank ? |
Hello,
I need a Debit card to use on many internet websites and international, like visa. Do you know wich bank offer (only debit) visa cards in uk ?
thank you
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 Is there any way to buy things online if my parents REFUSE to let me use thier credit card? |
i have so many things i want to buy online that arnt avalible in stores but my parents wont let me use thier credit card...is there ANY way to get the things i want?
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If you do or don't, can you share how you feel about dependency on credit cards in lieu of cash?
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Informative answers are helpful and appreciated.... |
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 Capital One over limit charge? |
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I am very angry because I am trying to call Capital one.
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teneff88 | How do I build credit? I keep getting denied.? |
I'm 18 years old and have a savings and checking account. I have a steady fulltime job that pays me 400 a week (gross pay). I've applied for credit cards--regular major cards, student cards (I am also a fulltime college student), gas cards, and department store cards--and I keep getting denied. I know theres those cards out there that are made for people with no or bad credit but you gotta pay like $200 the first time to even activate the dumb thing to pay for the charges which I don't think is right. I asked my friends with credit cards and they didnt have to pay anything for their's. I can't get loans either cuz my parents can't co-sign since their credit is really bad. What do I do? Where do i start? All I wanna do is finance a computer and/or build some credit for my future. |
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W. E
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Good Morning to you. First I want to congratulate you on being a full time college student.
Now to your question.
1. If you have a parent, who will add you to their credit card, that will show up on your credit report. That is one way. Or have them on the credit application that you fill out, that is another way also. That will give you a just start.
2. Do a credit card search - there are many out there - but be carefull in having lots of companies pull your credit - I know, sounds frustrating.
3. There is such a thing as alternative credit. If you are paying for your auto from a pay day place, or if you have a cell phone, auto insurance (anything you are paying on monthly, this can be added to your credit report).
4. And yes, there are cards out there that are called "secured" credit cards - It is like a debit card from your checking account. You put money on the secured visa account, you make monthly payments on your purchases (even though it is your money) but that is reported on your credit report as being paid ON TIME. It is a start...ok
Once you get your credit card and other bills down the road - always remember to pay your bills on time.
Different portions of your credit file are given different weights. They are:
35% - Previous credit performance (specific to your payment history)
30% - Current level of indebtedness (current balance compared to high credit)
15% - Time credit has been in use (opening date)
15% - Types of credit available (installment loans, revolving and debit accounts)
5% - Pursuit of new credit (number of inquiries)
The most important factor for a good credit score is paying your bills on time. Even if the debt you owe is a small amount, it is crucial that you make payments on time. In addition, you may want to: keep balances low on credit cards and other "revolving credit;" apply for and open new credit accounts only as needed; and pay off debt rather than moving it around. Also don't close unused cards as a short-term strategy to raise your score. Owing the same amount but having fewer open accounts may lower your score.
Recent changes minimize the negative effects that rate shopping can have on a mortgage applicant. If there is a consumer originated inquiry within the past 365 days from mortgage or auto related industries, these inquiries are ignored for scoring purposes for the first 30 calendar days; then, multiple inquiries within the next 14 days are counted as one. Each inquiry will still appear on the credit report.
Every score is accompanied by a maximum of four reason codes. Reason codes identify the most significant reason that you did not score higher. The reason codes can help a lender describe the reasons for higher than expected rates or loan denial. Scores are not part of the credit profile and are not covered by the Fair Credit Reporting Act.
Your credit report must contain at least one account which has been open for six months or greater, and at least one account that has been updated in the past six months for you to get a credit score. This ensures that there is enough information in your report to generate an accurate score. If you do not meet the minimum criteria for getting a score, you may need to establish a credit history prior to applying for a mortgage. |
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Cyndi
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First of all---STOP aplying for cards-whether or not they come to your mailbox or you seek them out. -department store. Everytime you apply for a card it lowers your credit score. Wait at least a year or longer--I know hard to do-you have the rest of your life to pay bills -no need to start now. A secured VISA is a good start to building credit. Start with a $500.00 secured visa-use for small purchases and pay all but 10% of the balance each month--this will help establish a good paying history--credit. Staying at your job for a lengthly amount of time will also be a benefit to you. |
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Jack
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Your best bet for establishing credit is to get yourseld a secured credit card. Put up $500 and they'll give you a $500. limit. Use that prudently and it will reflect on your credit history.
It is tough for an 18 year old to get credit due to the fact that usually they don't have any credit history, little job stability (most lenders like to see 3 years or more) and low incomes.
I worked in banking for over 20 years and the three thing any credit grantor wants to see is good Character, good Collateral and good Cash Flow before they will participate. |
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LZB217
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I too had a hard time building credit. I finally was able to get a card through Citi Bank. Just be careful, the more you apply and have your credit checked, the more it negatively affects your credit... just advice from someone who use to be in the same boat... I hope you can establish credit soon!
Good Luck! |
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Greg
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It may be because you are making too many applications. That is a big red flag to credit granting companies.
Unless you have not paid your bills, you should be able to get a credit card as a college student.
Try checking the student center or alumni office for credit card offers aimed at students. |
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Alterfemego
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Sounds like there is a credit history problem. Contact the three reporting agencies and get a copy of your credit report. If there is a problem with your credit report, you will need to clear that up first. Once that is fine, apply for one (1) credit card, purchase an item that you can pay for with the statement arrives. Then the next month do the same thing. Buy groceries for an example. After 6 months to a year of paying off your balance each month, you will have built up a nice credit history. Just a final note: don't ever just pay the minium balance on a credit card bill, that's when you begin to get into trouble. good luck! |
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banana_fan
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You might want to get a department store charge card - they are easier to get. Make sure to pay them on time, and it will build your credit, so you can move onto a major credit card.
Another option is to become an authorized user on your parents' card. (But since their credit is bad, this is probably not a good idea for you. Is there anyone else you can ask? They don't even have to give you the card to use; it will still improve your credit by association IF their credit is good.)
Some companies specialize in high-risk candidates. They often charge a monthly/annual fee, however. But it's worth a try. Have you tried Capital One?
The secured credit card is a good option. Once you've established some credit, you will be able to move onto a better card with no annual fee - if you pay all your bills on time, this can take less than a year. So be patient and good luck. You sound like a pretty responsible person who's not going to go nuts with your money. :) |
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walterknowsall
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most of those companies that want you to put up money, set a limit for you and then let you overcharge then they charge interest big time........avoid those if possible........major credit card companies, store credit cards are hard to get
one way to get more credit, is to purchase either a new or used car, using about $1000. down , make the payments for about six months
then apply to mervyln's for a store card, then keep that for a year and then slowly apply for another store card, [ 6 months] a hint to manage charges is to pay regular payments and avoid offers that want to increase your limit] because it is easy to overspend...another way to get a loan for your computer, is if you have the money in your savings account to cover the price of a computer, apply for a loan at your bank using your savings account as security...if granted, pay off as required and remember everytime you apply for credit it shows on your credit report, so be careful that you dont apply alot. i did this and it worked well for me.......... |
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upfromnutin
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this will cost you about a 1000 dollars and 6 months1. take a 1000 and go to your bank and open a 6 month CD, then take out a secure loan for 1000. 2. take the 1000 loan you got from your bank, and go to another bank and do the same thing, 3. do it for another bank. Now you have loans and installements (loan payments, car payments) have bettter ratings on credit than credit cards. you will be making monthly payments for all three loans. Each bank will be reporting you to the credit bureaus. In 6mos all CDs are mature and then you pay off the balance of the loans. Monthly payments for a 1000 is not much. plus you have the money, the 3rd bank you opened a cd with and got the loan, is what you make the payments with. your purpose is to improve your credit not to make money. Use the CDs to pay off the balance of the loans, then check your credit report. Make sure you use the money to pay the loans. |
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Fermat
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I suggest you check out www.prosper.com Prosper is an on-line micro-lending community. You just register and Prosper assigns you a credit risk. Then you put out a request for funds. Let’s say you want $5K for medical bills at 15%. Individuals will then typically pledge between $50-500 at the interest rate of their choice. You get to decide if you want to pay that amount. If your loan is fully funded Prosper gives you the money and acts as a loan servicer. You pay Prosper, Prosper takes a small cut and divides up the rest to the other lenders. Take a look. |
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Lianne
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If you can become an added user/additional card holder on someone else's credit card, it requires no credit check and it builds credit from you starting when you are issued the card.
http://finance-girl.blogspot.com |
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TheTruthAboutMortgage.com
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Usually colleges have booths with representatives offering student credit cards. You didn't mention whether you were a student or not, but if you go by your local college, you'll likely see a VISA or Mastercard booth. Those are the easiest credit cards to get approved on, as they are tailored to people like you who are young, with no established credit history.
And as everyone else said, do not keep applying for credit cards. I would try the college card once, and if that doesn't work out, just be patient and wait until your credit profile improves.
http://www.thetruthaboutmortgage.com |
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Tom Cat
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Without knowing the details, let me put your quandary in another way. As a general rule, banks lend to those that probably do not need it, at least not desperately. Credit cards probably not as stringent but they charge an arm and a leg. Loan sharks, not much questions asked but they have your arm and leg if you default. Where do you start? Slowly! Built up credit worthiness. Live with what you have not what you must have. Eventually you have them at your doors not only for what you want but a lot more of what you do not want. |
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kvuo
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why do you want credit.. you want to be like the rest of these suckers with payments??? You want your whole paycheck to go out the door soon as you get it?
dont worry about credit.. save money for things you want to buy. you'll thank me in the long run.. |
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