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MISSY | I am only 17 and i have a credict card with chase. i pay my monthly bill but am i messing up my credict? |
Additional Details
i pay my bill,more than the minimum, i make random payments.but i was just wondering how will it effect my credict
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Steve M
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As long as you pay your bill every month on time your credit score will improve. It is best to pay the card off every month if that is possible. |
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Suzy
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As long as you are paying your bill on time, every month, you are building a good credit history. It's best to pay the bill in full each month. Also, it's credit, not credict. |
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smiley
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My daughter is 18 and they gave her a credit card also. It is very hard to use it wisely when your young but take heed to this, she used and used her card until she went over her limit,she is only18 and she wrecked her credit already, and the creditors know what they are doing when they give credit cards to young people because they know they like to shop. Her life hadn't even begun and the creditors keep calling. I feel bad for her, but I told her so. |
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hmark
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It depends on whether you are paying more than the minimum asked. If you are only paying the minimum, and on time, you are not doing anything bad to your credit score, but you are also not increasing it either. To increase your score, you need to pay more than the minimum (the more, the better). Also, if you only pay the minimum, it will take you longer to pay off the full amount due to finance charges. That's the reason most people, if they can, pay more than the minimum.
I hope this helps. |
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Crazy cat lady >^ ^<
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Are you asking a question or telling us something? How are you messing up your credit? |
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Tasha
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No I don't think so. Some people think that if you have a credit card or cards that you are a risk because you have the ability to accrew debt. In which case I'd cut it up and close the account but only if it becomes a problem when applying for a loan. |
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♥Shana♥
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I really don't know what you mean, you need to post more info. As long as you are paying the monthly bill on time, and you are paying at least the minimum amount, you are not messing up your credit. I suggest that you pay off your bill in full every month if you can, or pay more than the minimum monthly payment. Don't go over your credit limit either. And don't get a bunch of credit cards either. I'm 23 years old, and I have only one credit card. I do not want to struggle with debt. |
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.:*eri*licious*:.
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you are 17 with a credit card?? You can't have one until you are 18!! I work for a bank too so I know Visa can't issue credit cards to minors, it's against the law!! Crazy, maybe they sent you one by accident, if that's the case you are not liable to pay. |
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earth angel
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No. Just don't charge too much on your credit card that will make you not pay on time or miss a payment. |
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Lauren C
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How did you get a credit card at 17? |
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Expert Realtor
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Yes, because you had to have committed fraud in order to obtain the card...such as lying about your age.
That's a felony sweetie, whether you know that or not.
My advice is to cancel the card before you get caught, and apply when you can LEGALLY contract to get one. |
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