 Getting a Credit Card? |
| Wheres a good place to get a credit card if you have no credit and no credit score ??ANY SITES??? Or do you know another way to build up your ... |
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 Whats the best way to build credit without drowning yourself in debit? |
| My boyfriend and I want to buy a house together in the next few years but the only thing on his credit is one apartment he had for 9 months. On mine all I have is some money I owe a phone company and ... |
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 Do I have bad credit at the age of 16? |
Okay, when I was 14-15
My brothers used my social security number and I blv my name aswell to get cable, cellphones and stuff. Since they had bad credit.
And they did get those ... |
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 Will they replace a $100 khols gift card if it was thrown in the fire? |
| I got a $100 gift card from Kohls for Christmas and my mother accedentally threw it into the fire. My brother and sister also got them however they still have theirs and my question is, can we void ... |
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 Does anyone else find loan adverts really annoying eg picture? |
if I want a loan the awful ad's wont make me get a loan through them.
I'm less likely to go to Picture loans or the one with carol vorderman. I think they should spend less on ... |
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 How much interest can credit cards legally charge? |
| I am a new york state resident with a credit card that just sent me a bill with an APR of 32.24%. I am in good credit standing (make all my payments), but am carrying too much debt relative to income.... |
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 Should I cancel my Discover card? |
| I've had a Discover card for about 10 or 15 years. Back then it was one of the few cards I could get. I HATE the company. They are constantly calling me with lame offers and mailing me those ... |
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 Do we really need credit cards? |
| I'm still a minor , and I'm just curious , Dealing with credit cards ( from what i've read ) Seem's rather difficult and annoying , So do we really need credit cards now a days?<... |
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 What is the best way to go about financing a car when my credit is very average? |
| I don't want to put alot of money down and would like reasonable payments. Can I get pre-approved by my bank of 20 years? What is the best way to go about this?... |
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 Why do banks put your check on hold for 2 weeks after deposit it jst bc its a out of state check? |
Additional Details
its a check freom work so it couldnt be bad i hope this doesnt happen everytime i deposit a ... |
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 I got a home loan for 4% fixed is this too high or about right? |
| check out http://get-a-home-loan.n I got the quote at 4% over 15 years is this good or bad?... |
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 A Question for people with debt coming out of there ears.? |
| Why do you try to spend money you have not got. Yes we would ALL love an £80,000 merc stood on the drive, But if you cant afford one why try to buy just to impress the Joneses. Who are these Joneses ... |
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 "what is meant by credit card balance transfer"? |
| can anyone explain to me what does it mean credit card balance transfer and how it can be done within different credit cards..... |
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 My credit card company is harrassing my family but offering me a settelment is any of this right or legal? |
| ok i've always paid my credit card on time,usually min. payment but anyway we have fallen on some serious hard times and its very late, they have offered me a settlement of only 20% of the ... |
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 My Boss Is Stealing In $ In My Name Help...? |
| Help!!! My boss is stealing money in my and another employee's name..He is doing it by posting fake refunds on cash paying customers. He took $350 in my name..I know because i did some ... |
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 If I have a credit score of 814, should I cancel some of my credit cards that I do not use? |
| I have about 9 cards of which I only use 4 on a regular basis. My concern is if I cancel the cards I don't use, will it hurt my credit score.... |
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nedoglover | I am 16 and live in the us. how and when can i start building a credit score? |
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Real Georgian
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Start a savings account at a national bank...save up at least $1,000.00 then when you are old enough you can take out a secured loan against your savings. Pay it off in a year and then you are on your way. Always pay your bills on time and if you want to learn more about finance and credit then visit mycreditadvise.com to learn more.
Good Luck. |
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Shannon A
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You can get a credit card when you're 16. Just go to your bank and apply for a student credit card with a co-signer, such as a parent or guardian. The limit will probably be low, since it's your first credit card. Get a job. Make small purchases that you can pay in full by the time the monthly statement arrives. That's how you'll build credit fast. Never miss a payment or make a late payment and you'll do great. |
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Steve R
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You can't get a credit card, but you can open a checking account and get a debit card. |
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vegasbrother99
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18 yrs old with a credit card...Notice its one and not multiples, the more credit cards you own, the lower your score! |
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sawdust62
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Get a job and start putting at least 1/4 of you salary per month in savings.Don't miss a single month.This will be like your payment on a car or a credit card.Keep your job, if u need to find another job find one first then give notice and quit.Make sure there isn't one month you haven't been working.By the time you are 18 you can qualify for a loan for a car. My son did this and he now owns a very nice truck, and just received another loan for college.He is only 19.Banks want to see that you have stuck with putting that money away every month.It shows you are responsible.Also when you turn 18 go to your bank and see if you can get a small credit card, No amount over 200. Use this card once a month on something you can afford to pay back at end of month.This also shows restraint on being a big spender.Good luck! |
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Kitty
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Until you are 18 soooooooo many financial institutions have their hands tied on what they can help you with. My son wanted a checkbook at the age of 14 for he had his own lawn mowing service AND was already filing income taxes so the checkbook was the next step...We went to the bank and they basically said "many 40 year olds can't even handle a checkbook so why would they give one to a 14 year old?". My reply was " because I am his mom " and that solved that... 6 years later he has never even had an overdraft and they treat him like royalty. My suggestion to you is go to you local bank WITH mom or dad... see if they(the bank) will give you a small loan of $500 using all your info such as ss# but having a parent sign it as well... If they go with it, then in one months time go in and pay it off completely..Thus : CREDIT IS ESTABLISHED.
If no luck there then at age 18 a "secured" credit card works great for this....
It basically means you give the bank $1000 they then give you a credit card with a $1000 limit... you go shopping, and pay the credit card bill when it comes monthly like normal credit cards... The $1000 sits in the bank and does not get touched, that's where the title "secured" comes in.
(Do not do business with captial one or any bank associated with them) but thats a whole different story!!! TRUST ME !!
In a few months you have credit built up and you can ask for a higher line of credit. Aaaaaaaaaaah the credit cycle has now begun.... Good Luck and pay off your credit card debt EVERY month and life will be good ! |
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Barbara
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No company will give credit, willingly, to an underage person. The reason being, is the law protects them against creditors. If you default on an agreement, no court in the USA will rule against you. You can start when you become the legal age in your state, start small and build. Until then, you can only take on a cosigner, an adult of legal age. Sorry! |
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Mike M
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Depends on what state your in.A lot of them won't let you enter a legal contract until your 18. |
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allansc2005
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You can't at 16 |
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Wai
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It does not depend on the state like the guy says above me. You have to have a credit card, and that starts when you're 18. |
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Brooklynn
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when you start working and have banking account |
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monica h
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how is with a credit card when is at 18 years old |
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