 I need to rebuild my credit. What are some good SECURED credit cards? |
Additional Details
People my credit score is in the mid 400's. Nothing is being reported to my credit report. I obviously don't have the credit to take out a mortgage, hence ... |
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 Application for a credit card....? |
| okay.. so ive already tried applying for a credit card over the internet and that didnt go through; i tried applying for one through my bank, and that didnt go through... i need some help with this-- ... |
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 Why do these annoying people take 2 mins to take money off your debit card and 30 days to put it back? |
| it is so out of order. i paid a £20 deposit for top up tv anytime and they took it from my card. the next day i cancelled it and went to sky. they told me it takes 30 days to put it back on my card.... |
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 Read my credit report and very bad...? |
| need to get life on track again. Read my report and says will be on report until 2010, 2011, etc. if i call & talk to the creditors and try to pay will they take off before 2010, 2011 or if I pay ... |
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 Does the use of debit card as a credit card affect credit score? |
| I do not have a credit card but I was issued a debit card with MasterCard sign on it and I frequently use it as credit. Is this doing anything to my credit score?... |
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 Lower rate on my Credit Card? |
Any advice on getting a lower rate on my hight interest credit card?
Here's the deal. I have two credit cards. One with a 9.9% rate and one with an 18.5% rate. The 9.9% card has a ... |
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 What items have you bought that have ended up paying for themselves? ...? |
Mine is a bread making machine, it gets used almost everyday and a hair Clipping set cost me £25.00 and haven't paid for a hair cut since 2003
Additional Details
Chewy, how could ... |
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 Can Bailiffs take my stuff?? |
| Hey i live in uk, my parent has the Bailiffs coming round 2moro to collect stuff for a council tax debt, i own the most expensive things in the house as i have saved birthday and Christmas money to ... |
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 I want to take out a loan off 10,000 pounds, i work full time and earn 8 hundred a month,,? |
good credit history, etc,,
if i am able too how soon do you think the process will be?
sorry just i want to help mum with mortgage deposit.
Thank u so much,
... |
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 Best way to pay off this debt? |
| Ok me and my wife made 33000 in 2006 50,000 in 2007 and now my wife is about to get a 16000 a year raise. We had issues with bill, but will now be able to pay everything back. The question I have is ... |
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 Can a collection agency change the agreed amount? |
| I've settled a debt I owed, the agent at the collection agency said that they will be debting my bank account for a certain amount for 4 months and that will suffice the amount I owe. However ... |
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 I have no credit cards or loans and im about 500 in debt from bellsouth how can i get approved for credit? |
| I AM TRYING TO GET A CREDIT CARD, AUTO LOAN, OR A PERSONAL LOAN BUT I GET DENIED ALL THE TIME MOSTLY DUE TO INSUFFICIENT CREDIT HISTORY! SO PEOPLE HELP ME OUT WHAT CAN I DO IN MY SITUATION... |
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 My husband and I are on the verge of losing everything,We both work but we can't seem to make ends meet.? |
| What do we do?We don't qualify to borrow from our 401 k Yet.We don't have enough credit to get a loan from the bank.And they say we make to much for financial help from the state.What are ... |
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 Credit card? |
| i just recieved my first credit card trying to improve my credit if i dont use the card will that help my credit just showing that i have a card and the mothly fees are being ... |
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 Why would you press the credit key even if you were using your debit card? |
I just got my new debit card in the mail. It has a VISA logo, but the bank says I should be sure to press the "credit" button when making merchant transactions with my debit card.
... |
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 I have bad credit. Is it possible for me to still be able to get a car loan for a used vehicle? |
| Without, paying super high interest rates? I also want to spare myself the embarrassment of being turned down for a car loan at a dealer. Any suggestions?... |
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lisalpharmd | How on earth was I denied by Chase for a credit card? |
I am confused about what reason Chase could have had for denying me a credit card. My credit score is about 760, I have $52,000 in my bank account, I make $97,400/yr salary, and I have no late or unpaid bills at all on my credit report. For what reason could they have denied me?
Additional Details
I only have one other credit card, and it is completely paid off, with a zero balance. I have paid the entire balance every single month since i have had it. |
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Garr R
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it could be your debt to income ratio or if you have other credit cards the limits may be to high on them giving you the chance to get into trouble. |
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Miles C
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I would call Chase's Customer Service and find out
Computers make mistakes |
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A.Mercer
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I think what you are saying is that you have $52,000 of cash in a checking or savings account. Some people are taking that to mean that you owe $52,000.
I would call the bank and ask to talk to a manager. See what is going on. If they cannot tell you then tell them that you do not need a bank that is so clueless and close your accounts and find another bank. Usually, they will try to work with you then. Sometimes you have to threaten these guys to get anything done. |
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superyduperymommy
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you have too much credit. this happens to my father in law all the time. he makes very decent money, but gets denied for credit all the time because he has too much exhisting credit (debt). even though you have a high credit score, having too much credit (debt) can look just as bad as having no credit or bad credit. |
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SlimMick
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Anytime you are denied credit....by default you will receive a free credit report....This might provide some clarification.....
Likely cause: You have very high balances on your existing cards...in spite of your high score... |
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carpetman
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They may have considered you a high risk (which is stupid), but that's the stupid "scoring process". How many credit cards do you have...and are they maxed out or close to it? |
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Blue Indiana
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Do you have any other credit cards or loans?
They tell you why you ware denied on the statement that they sent you when they told you that you Ware denied. |
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Marysue
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How many other debts do you have: cars, mortgages, student loans? Even if your credit score is good, your debt to income ratio may not be and with current lending standards being tightened, some of your stats may fall outside of what this bank expects. |
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Koki M
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There are other factors that may have been in play for this denial.... Even a great credit history can get denied if there is too much activity in a short period of time...
Or Maybe your Identity got stolen without your knowledge. But the bank detected weird activity
Or You may have subscribed to a "credit protection" service through your bank or another credit card. These services are helpful but can be annoying when you actually want your credit history to be hit.... |
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Matt G
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Maybe you have too much available credit or too many newly opened accounts. Having $52,000 in existing account is already above 50% of your annual income. |
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