 How do you get a credit card when you have bad credit? |
| I have checked online and everything, but it seems no one will give me a credit card, unless they make you pay for it or it's a scam.... |
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 I'm confused! How are you supposed to pay on a credit card to build your credit score? |
| I've heard to keep 1/4-1/3 of your max. on the card to show you can pay and I've also heard you're supposed to pay it off completely every month. Which way helps your credit score the ... |
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 Does cancelling credit cards hurt your credit scores? |
I have a regular visa credit card that I have paid in full. I have heard that cancelling the card will hurt your credit scores...is this true?
Also, I have a store credit card that is also paid ... |
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 How does one fix their credit report after it has gone bad.? |
Additional Details
Ok i have paid all bills. I had an jerk for a boyfriend that went and used all my credit cards didn't help with rent or any bills. Thats why my credit is so bad. ... |
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 I have been Traced by debt collector? |
| I applied for a £5000 loan over the internet thro Eggs and it got proved So I decided to go traveling & when i got back i was not able to pay it, so I moved address's, & I kept runing ... |
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 Should I get a credit card? |
| I turned 18 in August, and I have no money, except for the money my parents give me, and Im a senior in HS, I really want a credit card so I can buy things, and I'll pay it off when I get a job. ... |
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 When im older, do i really need to have a credit card? |
| ive heard many more bad things than good about them. im hoping i dont need one EVER.... |
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 Credit card debt, and how to get out of it?!?!? |
| I have credit cards and all of them are over my limit...How can I help to lower my debt, but not have it effect my credit any worse, than what my credit already is?!?!?... |
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 Should I pay off a debt from 1998 that does not show on my credit report?.? |
| The loan was for an auto repo. A debt collection agency contacted me and said they would settle for 25% of the loan amount, which is a great deal. If I do not pay the amount could it affect my credit ... |
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 Is it acceptable to be in debt if you are responsible about it? |
Like thousands of other students across the UK, I have an interest free overdraft (which I seem to be in all the time) and I also have 2 credit cards.
My credit rating seems to be good, ... |
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 Need to get credit score up fast for a car loan...? |
| Will taking out Payday advances and paying them back right away build my credit score up quickly? I know I will pay some fees that way but I can't think of another way. My credit score is too ... |
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 Which bank has the best credit card? |
list your banks and % rates
do they ALL rob us blind?
how many offers do you get in the mail (per month)?... |
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 Do you have to sign the back of your credit card? |
| Personally, I think it's a risk of someone stole your credit card and forge your signature. What do you think?... |
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 What many credit cards should i have? |
Hello,
I make around 40k per year, i currently have a visa card with $11,500 limit (i owe around $4,500 on this card), i just got a AMEX blue card the other day.
How many cards can i ... |
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 Best way to increase your credit score? |
| What is the best way to help increase your credit score? Especially if you have a foreclosure on it?... |
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 How do i improve my credit score? |
| i have a default notice on my credit score and it is seriously affecting the credit available to me. It is not a big credit default and was due to a mistake on the part of the company. They don'... |
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V D W C D | How many credit cards do I only need? |
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john p
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Really, as many as you can handle yet still be responsible.
Different rewards come with different cards, and some people carry 4-5 cards. |
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**Baby its cold Outside**
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U DONT NEED CREDIT CARDS |
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lil rockerfeller
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none |
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DebtFree
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you don't "need" any. use cash. or do without. avoid debt.
IF you get one, pay the balance off monthly. Do not pay interest. |
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Julia J 2.0
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None. I haven't got any. |
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jezbnme
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never have more than i visa and maybe am ex |
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RANDALL M
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Depends on your situation, of course, but I do not see the reason for needing more than one, especially if you are just starting out and can get a high enough limit. It helps to establish credit and make online purchases. Do me a favor though and pay it off each month. And find one that has no annual fee. The reason our economy is in such bad shape now is because of the credit issues everyone has, including the government.
Hope this helps. good luck |
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Terence L
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2. I have a mastercard and a visa. I mainly only use one, but I keep the other for emergencies. And never have credit cards if you can't pay them off. |
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strawberry
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3 is the maximum so u can handle them well |
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NO COMMENT.
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1?? |
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A V
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It is convenient to have at least one but I highly recommend you never carry a balance. Pay it off in full every month. If you can not, do not get one. Building credit is important but not if it costs you an arm and a leg. Build your credit responsibly and once you are at the level of success you want to be, there is only one card you want........AMEX Black |
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datchik
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i have 3 cards, and i manage them well..i have never been late, and i always pay more than the minimum..some ppl say just pay cash, well, if you dont have the cash at that moment, then what? use credit cards wisely...pay what you know you can afford to pay back and then some. |
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rallfrost
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none but one maximum |
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BL
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I recommend you have two different credit cards with a debt/credit ratio below 50%. That is, use less than 50% of your total credit in a billing cycle. That guarantees good credit build up while not negatively affecting your score. |
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Lyndsay
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Stay away from credit cards...you pay more than its worth in the end "just to have one". |
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protoham
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2, one primary, one backup |
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CrackBerry Addict
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You don't NEED any credit cards at all. You can use cash for all your purchases. You can also use your own money for emergencies as well. I look at it like this: if I am in an emergency, do I really want to be using someone else's money to pay for things, especially with those high interest rates? In a lot of emergencies income can become scarce (loss of job, illness, etc). So I would not want to be borrowing money in a time like that. I would rather have an emergency fund (3-6 months of expenses) saved where I can use that money.
So again, you don't need any credit cards. If you are going to use credit (debt) then I wouldn't suggest getting more than one. And always pay off the balance in full each month so you aren't hit with interest on the balance. |
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