 Do YOU really care about this so called 'financial crisis'? |
| Lets face it, who is really bothered about all this world crisis? (over money?) It wasn't our fault and what exactly is the government 'rescuing?'... |
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 Credit Cards?? |
| how can i build credit when no one will give me a credit card? I am 21 years old and i was wanting to get a credit card...PROBLEM...i have bad credit from things that i didnt know caused you to have ... |
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 I have been getting offers from a company that offers to take over my debt? |
And they tell me I only have to pay 50% of the original debt The debt is over 7 years old. Should I go for it or just ignore it?
Additional Details
I need to add something---- They are ... |
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 How unusual is it for someone NOT to own a? |
credit card in this day and age? People look at us like we have lobsters crawling out of our ears when we tell them we've never owned a credit card.
Additional Details
**edit** We ... |
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 Should I refinance or file for bankruptcy? |
| My credit is poor so, if I refinance I will be paying a very high interest rate but, if my credit is already bad anyway should I just file for bankruptcy?... |
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 I just turned 18, what is the best way for me to get a credit card? |
| I want one that I can use anywhere, not just a store credit card.... |
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 My 12 year old son wants a kids credit card any good places you can recomend? |
| He wants a proper card that he can use and not a pass book, he wants a good interest rate if thats possible.... |
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 Do you have to deal with collection firms who "purchased" the debt, or can you work with the original banks |
| I am 22 with about $2200 in credit card debt with no real secure source of good income. I just barely get by without having to pay this bill, but I think I could afford to make low monthly payments. I... |
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 I have really bad credit and I need to get a car. Is there anyway I can finance a car with horrible credit? |
| I have a consumer credit counseling or something like that showing on my credit report. Help me out I need a car!... |
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 I am drowning in $20000 of credit card debts, I am making about $1,500 per month, what can I do?? |
| I have about 9 credit cards, I don't have a house or a car. I had goto many banks and they don't approve me for consolidation loans... Right now, I spent all of my salaries each and every ... |
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 Does bankruptcy destroy your credit for life? |
| With the rise in the cost of everything I'm getting close to having to claim bankruptcy. Is this going to destroy my credit for life?... |
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| Going to court over debt? |
| A friend is being sued in Texas for a debt. 2 years ago he was sued over a debt his ex defaulted on. There was a default judgement and I doubt he paid the debt. I think the new suit is an attempt to ... |
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 Should I call the Credit card company to reduce my credit limit? |
| After several years of CC debt I finally made it a point in 07' to pay them off. So I wrote a $12,584.63 check (that hurt) to Visa to clear the remaining balance. The limit on this Visa was $16... |
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 I have credit card debt from 2001 When will it fall off the credit report? |
| My husband and I live in California and back in 2001 we were in a financial crises and didnt pay 5 credit card bills. But I have several collection agencies calling and sending bills. When will it ... |
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 I need help finding a quick personal loan? |
| Can someone help me find a quick personal loan, something other than a payday loan?... |
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 What credit card company offers a low interest rate %? I need to open a major credit card.? |
| I'm 18 years old and I would like to open a major credit card but I'm having a hard time finding one that has a low interest rate. Any suggestions on who to go with or where to look on the ... |
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dan | I am getting my first credit card, which one do i get? |
okay, so i am getting married in six months, and i need a credit card. what are some things i should know before i sign up, because i know nothing about credit cards at all, isn't there some sort of a monthly payment i have to make to keep the card, even though i don't use it that month? i'm just looking for a credit card crash course, and the best answer gets top points and much thanks from yours truly. thank you in advance.
-dan- |
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Andrea
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If you have never had credit, you may need to just go with the bank that is willing to give you a credit card. I have heard that Capital One is fairly easy with issuing cards with little to no credit. Your best bet is to talk to your bank first though. Explain to them what you want to do and they will help you. Also, it's much easier to talk to someone in person and I'm sure they will give you a great crash course in credit cards.
Watch the terms offered when you decide to apply somewhere. Be sure to get the terms BEFORE you give them all your personal information. Make sure there are no annual fees and that there is a grace period between when you are billed and when you have to pay. There are some cards out there that start charging you interest immediately when you use the card. You do not want one of those.
You should not have any payments to make if you do not use the card and paid the balance in full the month before. Try never to use more than you can afford to pay off when the bill comes. This is how people end up with more debt than they can afford and no end in sight to payments on it. It can be difficult just to keep up with the interest, never mind getting it paid off, if the balance becomes large.
Congrats on your marriage and good luck. |
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Dave
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The most important thing about credit cards is to be sure you pay them in full every month. If you find that you cannot pay in full, stop using the card until you get your finances under control.
Also, if you pay in full, you will never pay a dime in interest.
You only pay a minimum if you carry a balance. if your balance is $0, you pay no minimum. Some cards charge an annual fee. If you have no credit, you may not have much choice, but try to get a card with no annual fee.
As for where to get a card, start with your local credit unions. They are generally more willing to work with people with limited credit than the large banks. |
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Bat Thumb
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Whichever card you choose...READ THE FINE PRINT!!!!!!!!!!
I mean it. Read it, and understand it. |
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heyyou
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Lowest interest rate that you can find
One that has no monthly fee
Visa or MasterCard is better than American Express (some places will not take AE)
The ones that you can round off to the next dollar amount are good....you can build up a little savings |
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xchasingsummerx
 |
Do some research online. A good card will have a low interest rate (8-12% APR) and no annual fee. I have a card from Chase and I have had no trouble. |
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MICHAEL B
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Rule one don't get a credit card, Rule two if in doubt see rule one. |
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Family1
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there are a couple of ways you could start building credit, you could get a small personal loan which you might need a cosigner or the best way will be getting a credit cards, you could get a credit card and use it for your every day expenses but make sure you pay in full at the end of the month that way it will show pay in full everytime the credit card company reports to the credit beuros. At the begining you will only be approved for the lower end credit cards but once you build credit in about 6-9 months you should be able to apply for a better card with better benefits such as free miles or cash back. Check out www.fastcardapprovals.com or fastcreditcardapprovals.com and go under bad credit section and you will find a few choices. Unless you are a student then apply for a student credit card this cards have no annual fee and lower rates.
http://www.fastcardapprovals.com/Student...
http://fastcreditcardapprovals.com/ |
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Choc1
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I suggest you start out with a secured card since this is your first card. You can get one from your bank, give them a deposit which is usually $300 to $500 and that becomes your balance. Since this is your fisrt card, be sure to pay it off each month...something I didn't do when I had my first card. Learn from all of are mistakes on yahoo answers. |
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DK439
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costco....it has the most features and benefits |
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