 I'm 17 and have bad credit! WTF? |
| I just got a credit report and I have 2 negative standings. Ones $48 and the other $58. The problem is, I AM 17! They been there since 2004 and 5. I was 13 and 14 at the time. AUGH! What do I do? S... |
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 Does anyone know? |
| Is there a credit card out there ro help build bad credit if so what is it called oh by the way i dont have a bank account.... |
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 I need a big auto loan. i have some questions. please help.? |
| i am soon to be 22 years old. i got my first credit card at 18yrs old and immediately maxed it out ($6500 limit). i made a late payment about 6 months into paying off the amount, but all other ... |
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 I've just filed for bankruptcy, how can i start building my credit again? |
| i'm getting lots of mail to get approved for a new auto loan.i'm paying my existing car loan i don't know if i should trade in my car and open a new loan to start building my credit? ... |
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 Can a merchant keep a printed copy of my credit card? |
| Just wanted to ask if a merchant/travel agent is legally allowed to copy my driver's license and the credit card and keep? I recently did a large transacation of about a thousand dollars with a ... |
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 Debt help needed? |
| I have a daughter. At the moment she is un-employed. Her last employer made it plain that she was going to be sacked. She left because it was becomming impossible to work for them. That has meant ... |
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 Open a credit card in your child's name and social security number? |
| I was reading that your credit score greatly depends on the length of time you have had credit and that an account opened for 30 years or longer is key to getting you into the 800s. What do you ... |
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 How do I go about consolidating my credit card debt? |
| I have a good credit score, last time I checked about 6 months ago it was about 720-730. Recently I have acquired a big credit card debt, about $9,000 on one credit card (with a limit of $10,000) and ... |
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| I am about to make a $500 purchase. Should I get a credit card to buy it? (I am 18 and need credit)? |
So would it be a good idea to go to my bank and apply for a student credit card. And then use it on my purchase, and then pay they bill in full right when it comes?
Will this help my ... |
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| I went to the interview, and the boss likes me , he was staring at me, and said yes after 5 min we met? |
should i take the job?
its a cool job, but i guess i will awlays have to smile and pretend that i like him back , but married, or engaged or a lesbiian , whatever
should i?... |
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 I own a house that my mother gave me? |
| but I recently divorced my husband and he left me in a lot of debt with no way to pay.I intend to pay these debts off when I can get a job but can my house be taken away for any of these debts, I ... |
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 How can I build up my credit when Im only 18? |
| Im only 18 and desperately trying to build up my credit. I was just wondering if anyone knew how I could do so. Thanks!... |
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 Will adding my son to my credit card impact my credit rating, even if he never uses the card? |
My son read that a way to improve his credit rating was
"Add Your Name to Someone Else’s Good Account.
Piggybacking off of someone else’s good credit is an easy way to improve ... |
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 I have a credit card question. My credit card is up to its limit and im making monthly payments to pay it off. |
| Is it a good idea to do a balance transfor to another credit card for lower intrest rates or does that just make it worst. Did anyone ever do a balace transfor? and does it help?... |
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Yesi | I'v never had a credit card...? |
I'v never had a credit card..., and lately ive been geting offers APR is 17.74% is that good? |
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★→Damianâ†â˜…
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if i were you i will take that offer :-) its a good opportunity to build your credit history. 17.74% is not high, 20-24+% is high. Later on you can get an even better credit card. oh but make sure there is no annual fee. because that suks. lol |
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Madame Blueberry!~
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If you've never had a credit card, you are still high risk for prospective lenders because no credit is as bad as bad credit.
You need to be able to demonstrate your credit-worthiness by obtaining a small card (say Target or Walmart) and using it to buy about $50-100 a month and paying off the balance every month. This will help start to show you are being responsible with credit.
Pay that balance off every month. Make that your priority, because 1. It will show you are serious about paying your debt 2. You start a lifelong habit of paying your bills on time and making that your priority. Nowadays your good credit is essential for renting an apartment, getting a car loan or anything. Auto insurance companies base your premium in part on your credit, as well as your driving record. You even need a good credit report when applying for jobs nowadays!
Good luck. |
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Jake
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1 or 2 credit card is necessary evil.
If you pay in full every month it does not matter what the APR is. I pay my credit card in full every months and have never incurred interest charges furthermore on my card there is loyalty program so every few months I can go shopping for free. There are credit cards that offer you cash back for every dollar purchased. Use this cards, pay back in full every month so you don't incur interest then you are ahead of the game. |
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fredk8
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credit cards are a good tool if...... if..... you never pay interest....( pay it off at the end of every month) .... and get one with no annual fee...
don't ever run up a bill you can't pay off at the end of the month... good luck with your delivery..... would chat more about money if you had posted your email..... criss |
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Duane
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17.74% is rather high, but if you have never established credit before, then this is typical for a first time offer. You can open this account and used this card to help you establish credit and 1 or 2 more to add to your credit history in the next 6 to 12 months will help too
Just make sure your spending habits are good ones! The only people I've ever known who wish they never had a credit card are those who have no self control.
Only charge what you can afford to spend and you should be fine! Also, go to my website and read it all! I had my ID stolen and went into bankruptcy and I still got my credit score up from 486 to 730 in a little over a year!
After all this and then having to repair my credit, this is something I know about and I hope that once you learn what credit repair is and how credit and scoring works, you will know enough to never have to use it! |
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heybulldog
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dont get a credit card. They are good for nothing but getting you into debt. They make all the rules and change the rules anytime they want. Just read the fine print.
People will tell you to use it and pay it off when the bill comes. Its a game. Its a game with your money. You put the money on your card and then an emergency comes up and you cant pay it off that month and you get charged the interest or you forget to make the payment or its late and now you have a 30 - 40 dollar late fee. then they raise you interest rate. then it gets harder and harder to pay it off.
To many people obsess with the I love debt score. They only thing its good for is borrowing money. Save and pay with cash.
a low I love debt score from not paying your bills ist trouble. If you have a 0 score from not borrowing money you can still get an apartment and job and home loan with the lowest interest rates.
Debt Free is the way to be! |
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GTW
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if you do not have any credit your first card will have a high interet rate and maybe an annual fee but once you stablish credit you are able to get a better one without an annual fee. check out www.fastcreditcardapprovals.com here you will be able to compare all major credit cards side by side on rates and rewards.GOOD, BAD OR NO CREDIT they have the right card for you. |
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beauty s
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no |
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Jeff A
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It's a very high rate. Use credit with extreme caution. It is a trap. |
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My Dose Makes Angels
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No. Credit cards are not a good thing even with 0% apr |
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Debt Slayer
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You don't need a credit card. Even if you pay off the balance in full every month, you're still better off using cash and/or a debit card. You'll NEVER overspend or go over your personal budget if you ALWAYS use cash. If you really need plastic in your wallet, a debit card will do everything the credit card can; and it won't lead you to more debt.
Credit cards are not worth it. Don't believe me? If you read more of the questions in this YAHOO category, you'll find a lot of people who wish they never got a credit card. |
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