 Is borrower slave to the lender like the Bible says? |
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If anyone figures out what Duane is talking about, let me know.... |
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 If someone knows they're going to die, what's wrong with them charging up their credit cards...? |
and then giving everything away to people they love, with no intent of paying back the greedy credit card companies?
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I should have clarified--I don't believe in G... |
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 So how do I get a credit card ? (read details)? |
I applied for a Visa Credit card... It was declined...
The reason given to me was that I don't have credit. (not that I have bad credit, I basically have no credit rating, thats why I ... |
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 Credit report information? |
| Okay, I checked my credit report today after about 6 months of hearing the same deal before - I only have a couple of open accounts but I've never been late or gone over my limits on any. My ... |
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 My credit card got overpaid and I need to get my money back? |
| By some clerical error one of my credit cards got overpaid by a thousand dollars! I ended up way overdrawn on my account because of this and my bank is assessing me a lot of fees, plus my other bills ... |
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 I have bad credit what should i do? |
| I have some medical bills that i cannot afford to pay...not even a minimum payment on most of them...but i would really like to build my credit...is there a more strategic way to pay them off? or ... |
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 Do you need to get paypal plus credit card to buy things online? |
do you have to sign up for pay-pal plus credit card to buy things online? or can you just sign up and buy things already?
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do you have to sign up for pay-pal plus ... |
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 How do I send a message to the people in India on how banks cheat the common eople? |
Like to share something that happened to me today, I went to Icici atm to withdraw some cash I was astonished to learn that the balance was nil.
Icici bank had taken the whole balance from my ... |
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 Is it wise for me to get another credit card? |
| I'm a 23 year old college student. I currently have one card with a limit of $3000 and a balance of about $500 (which I am paying $100 every month to pay off). My aunt mentioned that I might ... |
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 What Credit cards should I close to maximize my score? |
I just paid off all of my credit cards and now I'm left with the following cards all with zero balances (I know it's a lot, sorry):
Card Date Opened C... |
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 Do you think we should stop making pennies??? |
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tell me why you said what you ... |
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 My sister used my credit card without permission. Over 15,000. She is making monthly payments.? |
| If I report the unauthorized charges to Chase what will they do to her? She is making the monthly payment, and plans to pay it all off. Will Chase still press charges against her if she is willing to ... |
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 Had anyone hear of this loan company? |
| Hi,has anyone heard of a loan company called walker hammond,i applies for a loan from them but they said i had been accepted but needed a fee of £39.99....can anyone give me anysort of advise of ... |
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 Doctor's bill from the past!? |
| I received a letter of demand from the on-call doctor for my hospital stay almost 4 years ago. I was admitted for chest pain and irregular heartbeat. I felt 'Doc Q' was incompetent: S... |
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S H | How do people get credit i have just left school 18yrs old.i have never had any credit as i was to young? |
I wish to join the forces i can die for my country, but can`t buy a car or get a credit card if i wanted one.all becuose i have not got a credit rating . again how do you get one
any help would be great.
paddy |
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claimbankchargesback
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It is difficult now. Never used to be, I had over 6 credit cards at the age of 18, despite not even having a job, they literally threw them at you! Didn't do me any good though, and just ended up in debt.
Now, with more and more people defaulting on loans they are a lot more cautious as to who they lend do, especially at the moment in the current economic climate.
Your best bet is to get a credit card specifically for people with no credit history. The interest rates are higher as you are an unknown quantity, but it will give you a chance to build your credit rating and then you can transfer to a normal credit card later on when you have established yourself.
Although it sounds a sensible option, don't pay the full balance off each month, as this actually goes against you. The reason is simple, if you pay off the full balance, you don't pay any interest and the lender can't make any money from you. This is seen as a negative thing to lenders :-)
There are a couple of credit card companies around that should give you a card. Try Capital One, Aqua and Vanquis (in that order). Do a search in google on their names and you`ll find their sites.
Don't apply for more than 3 types of credit in the space of 6 months, if you get rejected you`ll need to wait a while before trying again. If you don't it will count against you as it makes you look desparate for money, and if thats the case the lenders will not think you can pay it back.
When you get credit, make sure you keep on top of it! With the situation with the banks at the moment, missing a single payment can cripple your credit rating for a long time, the lenders are becoming much stricter as there is currently a shortage of money to lend. |
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parkdad73
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I did a credit card with Citibank where I sent them $500.00 for a CD and that became my credit limit for the card. When the CD matured I got the money back and still had the card but now I had a credit history. |
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Rainbow Daemon
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A bank account into which regular payments are made (preferably from an employer) and ensuring that your name appears on the electoral register is a good start. |
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Delaina77
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You need to start building your credit worthiness. The best way to do this is to apply for a secured card. Basically you put up to $500 in a savings account and they give you a card with a limit coinciding with the amount you deposit. You use it like a credit card buying a few small things each month never using over 30% of your credit line and paying in full before it is due and after a year (maybe less) you will start to get offers on better cards and should be able to get a store card. The key is to start small and use your credit responsibly and you'll earn more credit.
Good places to go for a secured card are Orchard Bank and Bank of America. |
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Bob the Boat
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There of loads of "proffessianal rogues" ot ther advertising their wares when it comes to loan / credit.
I admire you joining the armed forces, as I did so myself.
They paid for accomodation, food, clothing, and bits & pieces.
No need for credit, but when I came out, al these silly companies would bowl over backwards to lend me money.
I didn't need a debt !
You will be OK.
Bob |
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alex
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check out peer-to-peer lending, like www.prosper.com and lendingclub.com. |
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Matt, From Northern Ireland
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try a capital one classic card, as long as you are 18 + you will probably get one with a limit of about £200/$400. but my brothers first credit card had a limit of £1000/$2000. But he never used it because he was scared of overspending and getting himself blacklisted |
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parkermbg
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When I went to college, they had booths during rush week for credit card companies, the frats and clubs, even the military.
It seems that if you are a student, they want you. I was able to get a gas card my freshman year, a visa and mastercard (unsecured) by my sophomore year.
Be careful! use the cards to develop good credit, never buy anything on credit hoping to be able to pay it off, KNOW THAT YOU CAN PAY IT OFF! Keep your balance below 50% on any card you have (lenders look at that stuff to see if you have a habit of overextending your finances). |
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Heathery
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You really need to have a steady income, and a bank account that money regularly goes into! I had the same 0 credit ratings before I got a job. A good way to get positive ratings is to buy something (Not too expensive of course) which needs paying off in lump sums regularly - having things paid off successfully always gives good ratings, no-matter how small the purchase is! |
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Wayne Kerr
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Your problem is you have no credit rating which bizarely is worse than having a crap credit rating.
Get a credit card from your bank with a low limit and keep up to date with your bills. This will slowly improve your credit rating. Just use it to pay for things instead of your debit card but be sensible and spend what you can afford.
You will get a good credit rating quicker than you think.
You can check your credit rating with equifax for a couple of quid. |
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