 Credit card vs. loan? |
| I have a debt of 28,000, and a loan for it for 12.99% for 96 months (611.00 payment). I have been thinking about transferring the debt to credit cards: 16000 at 1.9% for 8 months then 16.99% after, ... |
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 If I co-sign for my brothers auto loan, will it appear on my credit report? |
| I would like to know because I'm trying to buy a house very soon and would like to help my little brother out. I just don't want to mess up my chances at getting a ... |
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 I am looking for a web site that has good info on how to repair bad credit..any suggestions? |
| i considered "eliminate bad credit for good on line sites" to my understanding they're scams...bankrupcy sounds like the last option and i'm not that bad in debt..less than 5000...... |
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 What are some specific ways I can increase my credit score? |
| Here's the situation: my credit rating is poor. I have a few charged off credit cards from my early college years. HOWEVER, I do have one credit card that I have never even been late. Also, I ... |
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 I just got my first checking/savings account...help? |
| Could someone explain to me whether or not I can buy things online with it? I got my account from Wamu...and I think I get the gist of it all, but I'm just concerned what exactly I can/can'... |
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 Can an 11 year old use their mothers credit card? |
| Hello, my 11 year old wants a credit card, and keeps asking if she can use my credit card, she's very responsible, so she won't screw up my credit, but still, can she use it?... |
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 Wage Garnishment help? |
Doesn't anyone know on how to stop wage garnishment..since my mother die I have been facing hard time... is there a law that protect me...or is to late what can I don't I feel so sad.
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| I have less than perfect credit? |
| i made mistakes when i was younger getting a credit card at 18 with no job, now that i'm older have a good job and good income nobody trusts me with credit.......is there anywhere i can go or ... |
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 Cant afford payments of loan and credit card? |
| Ive got debt with a bank on my credit card and loan. But cant afford the repayments and my debt is less than £2000,is there any way that this debt could be written off by the bank?... |
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 I need an apt. I was denied 4 yrs ago with a 585 credit score in CA. Now it's 640. Will I have problems? ? |
| As I said above, I want an apt. I'm a teacher w/ ten years in the field. What are my chances of being approved in a decent area. I take home 3500/mo. and want something in the 1000+-200 range?... |
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| I am being harassed by debt collectors for a debt I do not owe - what can I do to stop this? |
| I have tried contacting the company direct but they are just ignoring my numerous telephone calls and letters!... |
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 I have a very bad credit and want to clear this mess? |
| I have a very bad credit and want to clear this mess, I have found many companies on the internet and all of them claim that they can clear my credit for a fee. Is there anyone who used this kind of ... |
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 Can anyone offer advice on debt problems? |
| My wife and I are 25 years old, we have over $50,000 in revolving debt, paying an average apr of 15%. We have decent credit as we pay our bills on time, but we are not able to get a loan because of ... |
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 Do debt consolidation loans bring down your credit score? |
| I'm wondering if debt consolidation loans bring down your credit score? Also are you required to close the credit cards you pay off with the consolidation line of credit?... |
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 Can I get a car loan if my job doesn't start for one month? |
| I am looking to get a car loan for about $30,000 and my job does not start for a month. I just finished grad school and have a letter of employment that states my start date and salary of $140,000. ... |
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NAsty | I am 18 years old but have absolutely no credit, so what type of credit card should I apply for? |
I am 18 years old, have no credit at all, have nothing in my name, but do have a job. I applied for several credit cars (Capital One, Sears Card, Firestone Credit) and they all denied me. I was wondering, what type of credit card would I be accepted for? One with low interest, a long grace period, and NO ANNUAL CHARGE!
Additional Details
Please don't write dumb stuff like "Do NOT get any credit cards...they are not worth it!" because I am not asking you opinion. I want to know which card is best and easiest to get, not weather I should or should not get one. Obviously if I'm asking which one is easiest to get, I already made my decision to get one! Thanks! |
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AlwaysCaliforniaDreaming
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My first was with Ist Financial Bank.
It was great. Low APR, 0% on balances under $250, no annual fee, etc.
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To the guy below me:
It's a good thing to establish credit, so long as you have control over it, meaning you pay your balance in full every month. Renting an apartment or buying a car in the future will require a credit check. If you have no credit then you are a less desirable candidate and may be turned down. |
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Senator Garrison (D-NJ)
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It is hard to get a credit card when you have little credit history. My bank told me to get a pre paid credit card in to keep it up to date for a couple months then apply for credit cards. |
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maresasd
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Go to a credit union - they usually have great rates on student cards - plus after a year you can usually negotiate the rate down.. one thing I can suggest is not to keep running your credit- when your credit gets run too many times it can be a bad thing.
check out programs like identity guard - they are great for finding out what your score is - and most importantly running different scenarios for applying for new credit or paying stuff down.
Also - if you get denied like with sears, and firestone - you can always submit an appeal with a current copy of your report disputing their denial.
Good Luck! |
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lildude211us
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Get a student credit card. I recommend the one from Bank of America. Its pretty good for a student (no annual fees and it doesnt look like you have to pay interest either) |
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Busy Guy
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There are a few good answers above, ie. get a Card though a credit union if possible. Perhaps Capital One is good. The easiest to obtain is frequently a gas credit card. Just be sure to pay it off every month. Get a visa or M/C card that has no annual fee. Use it periodically. Once in awhile, buy something and take 2-3 months to pay it off just to show you can be responsible at making payments. This will be important when buying a car or especially a house. When buying a car, don't go through the dealer, they make a lot of money selling loans and can't always get you a good rate.
Good luck |
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interestratesguru
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The american express blue is a good one to start out with. Check out http://www.ineedrates.com for more info |
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worldpeace
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Check out www.fastcreditcardapprovals.com and go under poor or no credit you will find a few options that will approve you, once you have used this cards for a few months you could apply for a better card with a lowered interest rate and rewards. |
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Jammie_♥
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Capital One gave me my first card. I was working at the time when they did. My friend on the other hand, wasnt working and they gave her a card as well. Since you said so many have denied you its not good to keep applying and have all of those companies run your credit. You may want to try a secured card through a financial institution. secured cards are credit cards that you put $300 or more towards the card. After a year of seeing how you are able to handle your own money, the company will determine if you are reliable enough for them to issue you a unsecured credit card, which is a basic credit card. Good luck! |
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Andrea C
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dude i am so in the same boat as you.. i am as well 18 years old i have tried many many websites.. i got accepted by like maybe 2 places one was a prepaid card thingy and one that gave me $250 credit limit i work for target and i tried to get there credit card and was denied?!? i tried that guys advice by going to www.fastcreditcardapprovals.com and they gave me the links to first primier DO NOT I REPEAT DO NOT GO WITH FIRST PRIMIER!! they will screw u sooo bad and they never stop calling.. my feonce is with them and they r truely unaffordable.. anyway good luck to us both.. |
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...blaaaah
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citi bank i heard was east . i heard macys is easy too n good to have . try it . youu never kno
..but if you applied for all those recently . then you should wait to apply for anything else . i know macys your suppose to wait 6 months if you applied for anything before n got denied |
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jimwtjr
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Do NOT get any credit cards...they are not worth it! |
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