 Closing a credit card? |
| I have a few credit cards, 7 actually most of them i owe nothing on. they are the store ones, target, victoria secret, american eagle, old navy, kohls, jcpennys, and express. will it hurt my credit ... |
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 I want to get credit, how do i get a card? |
| I want to get a credit card to get credit. Of course every time i use it, im going to send the payment in THAT day so i don't do the opposite and ruin my credit. But im only 24, I don't own ... |
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 Serious!! pls advice? |
| can i be sue in court if i owe people money but i didn't sign any IOU. will i hav a crimminal record or will this affect my credit report??... |
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 Could i get this on ebay with a check? |
http://cgi.ebay.com/NEW-
i dont have my own checks with my name on it but i ... |
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 How do i prepare myself to get my first credit card? |
| i just turned 18 and have no credit and have never applied for a credit card because I was told if i applied for alot of credit cards and got denied it would lower my credit score. So what should i ... |
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 I have a £2K overdraft with Lloyds TSB which they want back by Nov 26th, 2007? |
| Hi, I have had an overdraft with Lloyds TSB for a few years now, totaling £2000. They now want to take it back on the 26th November, 2007. However, financially I am not able to pay it back right now ... |
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 Does any one know how i can get a loan i need to buy this trailer for my kids i need 5,000? |
| a fresh start for my family and I in a new town just what we need but we can't seem to come up with the money right now we can make a payment we just finished paying off his van 4 years of 450 a ... |
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 I got charged $130 for a couple roast beef sandwiches at Arby's, best way to get my money back? |
| I swear I'm really not that fat that my Arby's bill is 3 digits. I did go there (my card isnt stolen) but the charged amount is wrong.I called my credit card company and I have to mail in a ... |
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 Do u own a credit card? |
because at 28, i dont at all.
i still use cash. is that bad?... |
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 Getting a Credit Card under Sons social....? |
| I was wondering if anyone knows if you can get a credit card or any other type of credit under a person child's name and social if the child and one of the parents have the same exact name? Does ... |
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 How do the credit repair companies fix your credit? |
Iv'e heard they send letters but how can I learn aboutit to do this for myself and my friends and family?
only serious answers.... |
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 I am tired of interest charges being like a loan shark charges in the USA. Who agrees? |
Finance charges are so horrible in the USA. They will never go down.
Additional Details
For those who claim I am a dumb blond. I only owe for my home. 3 acres 4 bedrooms, 2 bath, Over 25... |
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 Using cash or credit card for gas/groceries? |
| for gas and groceries-do u charge or use cash?... |
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 How to get a loan teenager? |
| im 16. have already graduated. have full time sales job and part time weekend job. i have enough money to afford a nice truck payment. how do i get a loan, when my parents have bad credit and cannot ... |
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 How should I go about raising my credit rating? |
| About 8 months ago, I applied for a credit card. I use it religiously about 3-5 times a month (usually about $20/month) so that I can raise my credit rating. I currently have Capital One so the APR ... |
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 Credit cards:? |
| Anyone have any more options for first timers? I have been trying to get one ( I have no credit at all) and have been denied by EVERYONE! I am losing hope! What do i do?... |
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twitchddragyn | How do you start building credit if you have absolutely none? |
I'm 22. I don't have any history of credit. (No credit cards, loans, etc... Nothing.)
My friends told me that they all started building credit by opening a student credit card from Chase, the ones with a 200 dollar limit.
I tried to do that but actually got denied. They said that I have "too few accounts open to resolve credit."
So how do you do it?
Additional Details
Okay, I will try citibank, thanks. :)
Also, I already have a checking account open.
I do not have a cellphone or any other type of bill like that under my name, though. I mean, I don't have a cellphone period, haha. :) I don't want one.
Also, I would never use a credit card unless I could pay it off immediately, of course. :) That was my plan. |
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olandressgirl
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Citi Card will definetly give you a card. Charge only what you can afford to pay back on it though and always pay over the minimum. Good luck. |
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aball1515
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CitiBank has a great student credit card program. Go to http://www.citicards.com/cards/wv/showSearchResults.do?constituent=COLLEGE |
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Martin H
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I was actually in a similar situation to you when I was your age. I began by getting my name on my parents credit card as an authorized user. They sent me a card which I gave to my dad and he cut up. But with my parents using that card a lot and paying on time it built my credit as well, even though I never used the card or paid a bill.
Checking also goes on your credit rating.
And instead of paying cash for a $5000 car, I set up a loan with my bank and got a very low interest rate by having an account with their bank that had a balance that never went below the total owed on the loan.
You could also get a normal credit card but it would have a pretty hefty interest rate due to you not having a credit history. If you do this, use the card sparingly and pay off the total every month not just the minimum due. |
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all4qvc
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I would try orchard. They approve just about anyone. This site has offers for every credit type. |
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Diva
 |
Try CapitalOne. Thay have a very good interest rate and they won't turn your application down. They might start you at $300. Or you can get your parents to link you to one of their credit cards ( that's if they trust you; and if they do make sure you don't dissapoint them). Good Luck |
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Sheol
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what I did... I got a $500 loan for a car when I was 16. I had a co-signer. Once that got started, I opened I high interest credit card and tore it up once I got it in the mail. I paid $20 a year to keep the account open, and when it came time to buy my new car, I was good. If you can't get your credit up, living in an apartment will raise it too. so will cell phone, and other credit cards, I suggest opening a loan with a federal credit union. |
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mckahlan_2004
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Try getting a store card, like Sears. |
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Jeremy P
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Student credit cards are a little more difficult to get than credit cards for poor / no credit. If you can't get approved for a 'student' credit card, try one of these:
http://www.asapcreditcard.com/poor-credit.html
Although these offers tend to have higher interest rates (and additional fees) when compared to 'standard' credit cards, they'll give you the opportunity to prove your credit worthiness and build your credit history over time. Eventually, with regular on-time payments-- you'll be able to qualify for better offers with lower APRs and less fees. But for now, these might be your only options...
Hope this helps. GOOD LUCK! |
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gforce141
 |
I'm 21 and I have excellent credit. First you need a checking account. Since you are 22 I'm assuming you have one. Typically you can get one through your bank which is usually the best bet for your first credit card.
I actually got a Chase card for my first one and the application came through the mail at my college. 1st Financial Bank is a really good one as well because as long as your a student and your balance doesn't exceed $250, its 0% apr. I have one of these as well.
Since you were applying for a student card you proably also have student loans....unless they are not in your name. My student loans have allowed me to finance both a computer and a new car and I'm 21.
There are deffinatly ways out there and if worse comes to worse, just ask your parents to put you on their credit card account to help you to start building credit. |
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Ted
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Banks are pickier. The best is a direct mail MasterCard or Visa offer. The rates stink and the credit line might be low, but it will establish credit, just remember to pay it off every month so you don't go over limit and don't pay the huge interest. Don't sign up for any with annual or monthly fees.
Second choice: brows the internet and apply online.
Third choice: (and probably most likely to be approved) department store card (Macy's Kohl's). Get one or two, buy something, pay off the card. Do this a couple of times every few months to build a track record. Wait twelve months and try for a bank card again. |
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jmum82
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try citi cards or discover, they both have good student accounts. also, open a checking or savings account in your name. sometimes even opening a cell phone account in your own name will build up some credit for you. |
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JustSomeUser
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Get a cell phone under your name and info. |
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stuart g
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go to your bank and get a registered saving plan this builds your credit you can go for like500dollars a year |
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I'mGreat
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Try other credit cards.. also try and open a checking account with whatever money you have.. |
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