 Is having a credit card a good idea to get a good credit rating? |
| If i get a credit card and set up a direct debit to pay it off everymonth will it make my credit rating good? is this neccessary for things like morgarges in the future?... |
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 Closing a credit card....??????? |
Hey guys,
I was wondering if closing my credit card will hurt my score. It was my first card, I've had it for a year. It has a horrible interest rate, a low credit limit (200), annual fee,... |
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 If I have a credit card open with zero balance is there harm to my credit keeping it open? I will never use it |
| I have a victoria secrets credit card. I have paid it in full and have no credit available anymore. I like to keep it open because I receive benefits each month & coupons. Does it harm my credit ... |
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 How can i sell on eBay without a credit or debit card? |
| been a member for long time and i can buy things but when i try to sell they tell me i need a credit or debit card and i dont have one and im not getting one can anyone ... |
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 I am unable to pay my credit card bill? I ve been jobless since last 5 months?Help? |
| With an outstanding of 25K the customer service agent told me to pay some money per month. Over last 5 months I ve paid alreday 10K and instead of being (35-10K=25K) my Balance is coming upto 55K!! H... |
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 I need a personal loan for $3,500....have bad credit.? |
| I have looked online, and gotten nowhere. My credit score is too low for prosper.com due to a recent bankruptcy (divorce!) and my current AmEx debt (keep reading). I don't have a co-signer. I ... |
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 Ok Please be honest with Me Does Bad Credit Prevent me from becoming Employed? |
| I am asking because I have a feeling that it does and it makes it hard on People to do things with bad credit on their credit report.... |
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 Problem with dept collectors... HELP!!!? |
| Ok, so... I'm 20 years old and I was being a moron when I was 18. I got three credit cards and went out of control. So now I have to pay for the mess I made. Well, Last month I couldn't pay ... |
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 Does this seem like a scam or not. this guy is offering me a loan at 2% interest rate.? |
| Thanks for your loan inquiry and yes, i am a private money lender an approve and license by the Government, i can help you and i give out loans at an interest rate of 2% i really want to help you ... |
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 I think someone used my credit card...please help? |
| I was at the club, and was ordering drinks for my friend...I started 2 tabs through out the night, and I have 2 receipts...One is 10 bucks and the other is 15. I closed the 10 dollar one out at 15 ... |
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 Can 13 years old get there own credit cards? |
| im 13, and i want to start using ebay, but i need a credit card. do i need like my moms or dads credit card or can i get my own connected to there bank or something.... |
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 Someone just called me from the hospital saying that .....? |
| if I don't send to them 6 months worth of monthly payments and give them my account info they will ruin my credit. Is that true? I have been sending payments every month. The account has not ... |
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 Do you use you Credit Card for Luxuries or Survival? |
Additional Details
Funky, i hate your guts too you Slag !!... |
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 What will raise my credit score faster, repaying old debts or getting a credit card and paying it on time? |
| my fabulous credit score is a "whopping 544" and i am trying to repair my credit quickly. any suggestions?... |
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 My current experian credit score is 637. If i finance a car loan will it bring my score up? |
| I just got approved for two department store cards and got rejected for one or two majors. I know the fact that the lenders are checking my credit affects the score but with the car loan will it ... |
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sean | How many credit cards should you have? |
I have 4 cards – one for gas, one for food, one for vacations, and another for emergencies. Ideally speaking, how many credit cards should you have? |
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Craig T
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As many as you need and can properly manage |
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pumpkincat210
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If you can pay them off monthly, there really isn't a limit on how many you should have, just don't over do it to the point where you get behind. |
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Popple
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If you keep a high running balance on each one it hurts your credit...more so the more you have. It is different for everyone depending on your situation. If you can only afford the minimum payment each month, you have to many.
That is the first thing we review at my job...your debt-to-income ratio. Save for vacations, etc if you are not paying them off. That is why we are in the economic mess we are in now. Everyone took out more in mortgages then they could afford and became upside down when the interest rate went up and the values went down. |
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Shinta S
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i'm just one, but I use this carefully
only shopping for essential goods, else pay with cash
that secret to control my credit card. |
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bugbug4000
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one and pay it off on time. |
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jaggu
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4 |
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Bobs
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Not bad. You sure have your priorities laid out there. Most experts and credit card service companies such as http://www.billshrink.com assure us that there is no universal tab on the number of credit cards that you can own. You could carry, say, 10 credit cards and have excellent credit; or just one with terrible credit. The amount you spend and can pay off is what matters most. But a good average is between three and seven credit cards. |
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LmJ
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Read this article for advice:
http://www.e-wisdom.com/articles/personal-finance/how-many-credit-cards.html |
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-=aLiEn=-
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2- One for everything you buy.
One for emergencies.(Kept in a small manila envelope with birth certificates, passports, and $1000 cash) |
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missstashee
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And we wonder why so many consumers are in debt. |
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✰CaLi☮BunNeY✰
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2 and then 1 for emergencies. |
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Papi
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2 one main card and 1 backup/
the main card is great if you have a points card.. use it every month and pay it off every month.. you'll build great credit and earn extra points!
ideally one mastercard and one visa (not every store accepts both) |
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Music is my hot HOT sex
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For me? None. |
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in the car
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2 just to build credit |
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blondie
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One, Period!!!!!!!!!!!!!!!!!!!!!!!! |
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Carl Bennet
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I have 2 for credit score purposes, just in case I have to buy a new car or get a business loan. My FICO was last time I checked it 778
What I do is very simple.
By the first week of every month I use one of the cards to pay all my bills, utilities, cable, phones.... Once the charges are made I wait one week and send to the credit card a check for the full ammount charged the first week.
In this way I only write one check a month to pay all my bills, never pay late charges since many of those bills are in auto-payment, never pay interest to the credit card because i paid in full inside the grace period, the credit card is reported every month with a big payment made on it an a small or zero balance wich looks great in my credit report.
For more info and ticks about how to build and keep a good credit hitory visit http://www.bcrconsulting.us/html/whatdo.html |
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*baby boy, the love of my life*
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Match the number of jobs you have. 1 - 1 2 - 2 etc.. |
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nghtcrwlr2002
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Ideally speaking none because you only spend money that you already have |
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wayalook
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i agree with the other guy. none is best. at most have one for real emergencies. use it a little to keep it active and pay off the balance everymonth. its ok to use it for gas or food to build your credit but when gas and food become emergencies its too late. |
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