 Paypal question? |
| i signed up for paypal yesterday and on the paypal website it ways that they have deposted the funds into my account for the acount setup but when i look at my online banking to see what they are it ... |
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 Should I get this mastercard with these fees? |
Fees for Issuance or Availability of Credit Account Set-up Fee: $29.00 (one-time fee)
Program Fee: $95.00 (one-time fee)
Annual Fee: $48.00
Monthly Servicing Fee: $84.00 Annually++
... |
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 Hi i want to take a 10000 loan out start the new year a fresh and all sorted willing to set DD up etc? |
Hi there I want to start new year afresh willing to be open to offers re interest etc anyone genuine be able to help
make our life such a difference
had ccj so bank ... |
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 What is the best bank? I want to open an account and get a debit card? |
| Are there any banks that are offering special deals or gifts when you open a new account right now?... |
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 I screwed badly, I have $7,000 USD in debt with my Credit Card and no money to pay it back...? |
| Credit Card has been cancelled, and I receive a lot of calls from Colection Agency ... what can I do?... |
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 We have 15K debt from 3 credit cards? |
we have 3 credit cards and 2 of them carry a debt of 6500us$ each reaching max. credit limit of 6500us$ from bank of American and one credit card from capital one having 2000 debt...
we want to ... |
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 Is it better to close a credit card or? |
just keep it with a 0 balance?
Thank You :)... |
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 How can I take advantage of having good credit? |
| I live in SoCal/housing is too expensive to consider purchasing at this time but I have good credit- what else can I do to take advantage of this and remain responsible?... |
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 What are ways you can gain credit? |
| I have zero credit, and I don't want a credit card. What other ways can I improve my credit score?... |
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 I have a joint credit card with my future husband. We both have perfect credit. My mom insists we cancel it? |
| now. She states that I have made a huge mistake in my credit future. However, prior to opening the account, we (Adam and I) went to our financial advisor who stated that it would be very good for our ... |
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 Advice on prepaid credit cards in the UK please? |
| Hi. I have a bad credit history and have only got an electron card. I don't want to get anymore credit but would like a credit card so I am able to book things and buy online.Does anyone know ... |
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 I 'm 25 single mom. I working on paying off my debt. How soon does these payments show on your credit score? |
| I owe about 7 thousand dollars spread over 4 seperate accounts. My student loan is the biggest of all @ 5thousand dollars. I am making my monthly payments but not always on time. I also have 3 more ... |
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 Hi i defaulted on a store card 8 years ago and it has been sold and they are chasing me to pay ,do i have to? |
| i was paying this through a debt management company along with other debts,all the other creditors stopped the intrest and have all now been paid,but this one company didnt stop the intrest so i ... |
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 Will Bank of America give me a small, SECURED loan with TERRIBLE credit? |
here is the scenario:
i want a motorcycle that is $4,000.
i have $3,000 cash in my pocket.
i have terrible credit and do NOT qualify for a loan.
i can afford to pay the $1,000 ... |
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 How can I rebuild my credit if I'm in bankruptcy and my credit score is 0? |
| I'm in my 5th year of Bankruptcy (ch.7), I've paid my mortgage on time, I have only applied for credit once during that time. I have no other credit cards or loans, I don't understand ... |
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Heather May | How do you get credit? |
I.E. to buy a car, make a loan, etc. |
 |
 
$m¤¤v¥ £¤¢¤
|
Everybody's had some good points in their answers I'll add mine. Like a couple of the posters said that the first step is to open a checking and savings account. The account alone won't build credit, but what it will do is establish a relationship with a bank, and more importantly the checking account will serve as an invaluable tool to help you build credit by paying your bills on time, especially if the bank offers online bill pay, which most if not all of the major banks offer. Also they may offer secured credit cards which allow you to put a deposit upfront in an account or even use your own savings account as collateral for a credit line. As long as you pay on time and keep the balance low, you'll get the deposit back within a year usually and either the card will convert to an unsecured card or you'll be offered a better card.
Once you get a major card secured or unsecured under you belt, then you might want to try to do the same thing but with a personal loan with your savings account as collateral. Take the proceeds from the loan and place it in a certificate of deposit and have the term slightly shorter than the loan so that you'll have no problem paying it back. In a sense you'll gain interest not just with your savings account, but the money you borrowed as well.
Usually after a year of having a major credit card, you may start receiving offers for other cards. I would be careful not to go overboard. 2 major credit cards and a department store cards should be more than enough to build credit. Keep in mind that anytime that you apply for credit, a "hard inquiury" is created which can ding you up to 5 points, regardless if you're approved or not. Credit's designed to be used when absolutely necessary. |
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StubbornGirlie
 |
well if you have a bank account most banks will open you a student credit card when you turn 18. just make sure you pay back whatever is due on the card..ON TIME. and if the minumum balance due is 15 dollars always try to pay more. |
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thefallen
 |
Hi, to have a good relation to your bank is very important, to have safe salary/income every week/month. Save money over a while, don`t take out more money than you have on the account etc, at least that is how it works here. Good luck, peace and love from Norway |
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teresathegreat
 |
You actually already have credit, if you've ever had a credit card. You build up a good credit score by having good credit history - by managing your bills and payments responsibly.
FICO credit scores are based on:
Payment history - 35%
Amounts owed - 30%
Length of credit history - 15%
New credit - 10%
Types of credit used - 10%
You get one free credit report from each agency (Transunion, Equifax, and Experian) each year, so order one and look through it carefully to make sure all the information is accurate, and work hard to correct any mistakes or fix any black marks on your record.
For $8, you can get your credit score, which tells you how you rate compared to most people. |
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GAgirl
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1st you open a checking or savings acct (must be 18)
2nd you apply for a credit card - apply with capital one or chase they will give them to just about anyone
then you just use the credit card and checking account responsibly for over a year
then you can apply for something else such as a credit line at a furniture store and work your way up toward a car note, mortgage etc.
I am 21 and mine is now 740...I have been working on it since my 18th b-day. Point is as long as you pay your bills on time, keep balances low, dont go over your limit, etc ...you will build good credit |
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?
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get a small loan or credit card, try Orchard bank |
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Steve
 |
You have to start somewhere. Its easy to get a credit card if you have a job. Just fill out an application on line |
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Suzie
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if you have a cc and make your payments on time that establishes good credit anything in your name where you pay on time establishes good credit if you have had a job for over a year that helps with your credibility and it will help if you are interested in getting a car but the shorter the credit history the smaller the loan may be also remember too much credit is not good either even if you haven't used it ( too many credit cards) so I say stick with 1 or 2 credit cards and make your payments on time!!!!That is the most important thing |
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no_fool
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You need a good credit score - job, not making late payments on things ie paying household bills on time. |
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Joey's Girl
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try and get a department store credit card or jewlery credit card they will more than likely if approved just give u a couple hundred dollar credit limit but its where u should start no car loan or bank loan |
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Darla
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You have to start off small to show you are reliable. and you need a good job. A credit card would work and you can get one easily but applying on line. |
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