 My mum stole my identity...? |
I'm 16 years old and about a year ago I noticed I'd been receiving letters in the post for quite some time and my mum had been like
"oh don't worry about that, it's for ... |
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 Can a 12 year old get a debit card? |
I want my daughter to put here allowence money in.
So when she goes shopping she does not ask me for money!... |
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 When you order something from Amazon.com, does the title of the thing you ordered show up on the bill? |
When you order something from Amazon.com, does the title of the thing you ordered show up on the credit card bill?
I just wanted to know becuase I may want to order things my parents cant ... |
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 How do I cancel a credit card? |
| I have about 10 credit cards and want to cancel about half of them just to help with my credit score. Is there a way for me to cancel them and then if I have to, apply for them again? The thing is, ... |
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 Which credit card companies would have me, and which would you recommend? |
| I am 19-years-old. I am a university student and other than my grant/loan and earnings from a summer job, I have no regular income (I saved over summer), but I have enough money to live comfortably ... |
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 Is it normal for bill collectors to...? |
| Call your neighbors? My mom has a lot of overdue credit cards that have gone into collection (long story) and now they are calling her neighbors! Is this normal or even legal?... |
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 I have horrible credit. I need a personal loan, Who can help me. I don't care about the rate.? |
I just want to be able to get my Wife and Son Christmas Presents. I don't have a checking account.
Additional Details
I don't want a handout, I want a ... |
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 Could buying a cheap car help my credit score go up!? |
| Ok i am trying to build my credit up so i had the idea that i would buy a cheap car for say $4K - $5K but i was gonna put down $2K as the deposit and try to pay it of within 6 months. could doing ... |
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 How do i convince my parents to let me have credit card? |
| so my dad has an account open with bank of america and he can add up to nine more people so they can share the line of credit. i want to be added(then i'll get my credit card) i'll only ... |
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 Will having a credit card with a co-signer help my credit or theirs? |
| i know i cannot apply for a credit card under my own name because i have no credit report since i am a college student. i have an available co-signer, but will this help my credit or the co-signer... |
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 Should I cancel my Sam's Credit Card? |
We will be paying off our store only line of credit with Sam's this month. We purchased a large item a few months ago that only Sam's had, but are paying it off this month.
We ... |
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 Debt consolidation? |
| I had 6 credit cards (all taken to collection agencies) i then brought them back to current status, then paid 4 out of the 6 off within the last few months. i have 2 left. both current status. one is ... |
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 Can a person get a mortgage loan with a credit score of 650? If so where? |
| I have had credit trouble in the past. I am now trying to rebuild. I am finding it hard to get a mortgage loan or a major credit card. I have read stories about people getting loans with credit ... |
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Sarah in Wonderland* | How do you get credit cards? |
I am going to be 18 soon and I would like to know how to go about getting a credit card. Can you also tell me good ones to get?
How long does it take to come in the mail? How much credit will they give me?
Thanks. |
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onlyme
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Apply online and look for the best deals,my first one took about 7-10 days to arrive,It depends how much you earn but i do think they tend to start you off quite low maybe about £350 or something until they see that your not just paying off the interest each month,if you pay on time and more than the minimum payment then your limit should rise pretty quick. |
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Kmcquestion
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Really you can just apply fir any of them, but I would suggest to start out with a secured card at first. That is where you give them the money up front for your credit line. If you give them $250 then your credit line is $250. The money sits in a savings acount and you pay the balance each month. This does a great job of teaching you how to use a credit card without getting really far in debt with a high credit limit high interest rate card that can get you $1000s in debt by the time you are 19. |
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DIY Doc
 |
I have an example.
As my daughter was turning 18, and had graduated from High School, she began getting all manner of solicitations in the mail, from car sale offers to credit cards, to life insurance, etc.
Once she got a part time job, "opened a checking account" and began college courses that mail solicitation increased.
With no record of income you may only be able to get a secured credit card, and can apply online I assume for any major ones.
Your credit history may start with your first attempt, and be recorded in a credit history, even if you get rejected.
Personally I'd advise waiting at least 10 years to even consider Credit, as a way of life. It has become a serious addiction, and a damaging plague to multiple millions of people.
Rev. Steven |
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Andrew
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id suggest not getting one. credit card companies are only out to make money. trust me. they dont have hearts and dont care about you. watch out if you get in their way of earning a buck. good luck in the world of credit cards (if youre smart youll stay out of it). |
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tracy r
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Whatever you do, dont take out a credit card!! They are all absolute rip offs!! The interest rates go up all the time! If you do take out a credit card, dont take the insurances that they offer you either!! If ever you need to 'use' the insurance, they dont pay out!! I know this having worked in that industry!! |
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azngurl
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You can sign up online or go to a fair on college campus. Be cautious about APR or interest rate. For some credit card companies, you are required to pay it if you don't pay off the balance. Find a good company without having to pay an interest. My strong advice to you is not to sign up, unless it's emergency or financial help. Being money wise, I cut up my cards years ago when I no longer needed 'em. |
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nad33m.com nirvana
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i know a man of african origin, liberia, who wears an electronic tag, who can get u a credit card for £50 a pop. He'll make sure the sex and race of the name on the card will match your race so shop assistants won't think twice.
gauranteed 2 work everytime |
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Frankie
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first you need to prove you really need one but cant afford to pay it off. then the banks will be oh so happy to let you get into debt and pay their extortionate interest rates for year after year, as your balance fractionally reduces.
if you have a job and would like one for emergencies, you probably wont get one anyways...
best get a loan from your parents... they rarely charge interest and you can often get them to forget about it..... or pay them $10 a week....
if you do decide to apply online, set up a new email address thru yahoo or other and use that, so when you start getting all sort of unwanted email, they dont clog up your main account...
good luck
k |
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alatoruk
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applying for them is usually a good start...
then they will look at your credit history - which you dont have so they probably wont give you one
then they will look at whether you own you own house - which you dont so they probably wont give you one
then they will look to see if you have been in steady employment for at least 6 months - which if you have been to college you probably havent so they wont give you one
do you see a pattern appearing here... i wish you luck, i hope you get one, but dont be suprised if you dont |
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nilechnylasor
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you lie. it is that simple. it depends on your post code. your age, and your finances. alway lie about the finances. They want you to anyway, because the poor you are, the more money they will get from you in the end. Remember credit means debt. The good way to do it is have some savings, in a good interest account. Get a 0% interest card, then when they want their money pay it off. That way, they get nothing, and your own money works for you. The good ones keep changing, try logging on to the Mottley Fool Website...also, for abroad you cannot have a bette one than Nationwide. No cash conversion fee. and bank base rate, in other words. When joe soap is buying Euros over here at 1.42 and joan soap isbuying em over there at 1.44, Nationwide customers get 1.51 bank base rate. A credit card takes 8 to ten days to arrive, then you activiate it on the freephone number they give you, then you wait 5 days for your pin to come. Then, you can go out and spend all the money you do not have, and in most cases will never have, then they own you. pretty soon, you wil be up to your eyes in debt and can sit aroound at home with all those fab clothes, with no money, and no where to go, but to the rotten job you have to pay for it all. Good luck. if you have not got money, never ever get a credit card. |
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Mike10613
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Go to the Moneysupermarket and try for a good interest rate. They will start you off on a low amount of credit around £500. Ask what is the interest rate? Mine is Capital One at about 9.9% some are double that. Check the date you get your bill once you have it. Try to buy things on or just after that date. My bill is usually on the 9th of the month. So I buy something on the 9th of October - I get an interest free period up to around the 1st of December. In practice it takes time for the cash to reach them and don't be late! They charge you £20 or more for late payment. I usually pay on the 26th or there abouts. if in doubt - set up a direct debit on your bank account to pay the minimum amount - then even if your payment is late you only get caught for a little interest. Try to be responsible and you will get a better credit rating, lower interest charges and they will offer you personal loans. I've just been offered £15,000 at 5.9%. That is a good deal and means you can buy a car cash - instead of going to a dealer and getting ripped off. My car was £5k and more at a dealer - it was half that in a private sale - and it was great condition and low mileage. I bought from a guy who lived in a £300,000 house - he had it serviced regularly. So it was well looked after. It hasn't broken down yet! |
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dollysdress
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Ohhh please please please dont get one they are evil blood sucking peices of plastic that will drain your disposible income for ever stick to cash save for what you want you will appreciate it more and have somthing to show for you money with credit cards its too easy to spend and waste it and have nothing to show for it but a huge bill |
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iano128
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justy send off an application in the mail or apply on line. |
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Jenni
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AVOID THEM LIKE THE PLAGUE!!!!
Seriously hon, take it from one who knows, once you start with those things you'll be up to your eyeballs in dept before you know it............and there's no way out of it. |
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Danger Mouse
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DON'T get started with them!!!!
They will take your soul !!!!!!!!!!1 |
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stuo78
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Apply online for any card, if they do not give you one ,then you will be flooded with card offers specifically designed for first time card holders. Your first credit line will depend on monthly income but probably no more than 500.00$ |
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FRED
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there a nightmare if your rubbish with money..... i would probably wait a while until you find your financial feet, you could create yourself major problems in the future....... |
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