 Does anyone know any good credit cards with low interest? Serious Only, I have a PERFECT credit score, I'm 19. |
| I need to find a GOOD credit card with LOW interest, I have a PERFECT credit score and I am 19, a college student, my current credit card has like 25%, which is bullshit, PLEASE SERIOUS ONLY. thank ... |
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 How does the negative stuff on my credit report go away? |
| I have pulled a credit report and disputed everthing, and its all still on there. Most of the things are to expensive to pay off (would take YEARS). However, some things I could pay off quicker. H... |
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 I'm married and in my 20's with debt well up to $20k. If I file bankruptcy can I ever get a future home loan? |
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I have secured and nonsecured debt. I called a counselor but the best they could do was take $600 worth of my bills and have me pay them $600 to cover them. I have ... |
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 I have a lot of credit card debt. 3 major credit cards almost maxed out several small cards like gas? |
| cards, department store cards etc. And I have recently gotten some money. Should I pay down and almost delete the 3 major credit cards or pay off the dept store cards land one of the major credit ... |
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 Can I use any ATM? |
| I have just obtained a Link Visa Debit Card,can I use it in any ATM or does it have to be a Link M... |
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 Can overdrafting your bank account affect your credit? |
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is there little change to the credit? i've overdrafted numerous times. Most of the times i didn't mean to.... |
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 Credit repair??? |
How do you get a credit score to go up by 100 or more points?
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I have a few school loans in deferrment but no credit card bills. my score is in the high 500's and I... |
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 I want to apply for a bank account but they ask for a second form of id...what can i use? ahhhhhhhh.....? |
| I'm 18 just got out high school....in los angeles california ....not a collage student....don't have any bills ....so can't use that.... used my state ID as my first form of ID ......... |
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 What's fastest way to build credit with a score of 575? |
| what kind of credit cards are easiest to get? or what other path should i take?i am wanting to work towards getting a home loan.... |
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 If u sign 2 a debt agency with a partna and then u split up, does the partna without their name on have 2 pay? |
| if you sign up to a debt agency with a partner and then you break up, does the partner whose name ISN'T on with the debt agency have to pay anything?... |
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 Does having too many credit cards have a negative effect on your credit? |
| I currently have 2 Mastercards, 1 Visa Card, and 1 retail credit card all with balances. Does this reflect negatively on my credit? If i keep all with zero balance will it still have a negative ... |
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 JPMorgan Chase credit card just RIPPED ME OFF!!!? |
| I can't believe these *uckers. I mailed in my payment THIRTEEN DAYS before the due date and then they tell me it was a day late and now my interest has shot up and i need to pay 300$ for NOTHING... |
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 Making a mortgage payment.. Question>>>>? |
| I am thinking of makig 1/2 my mortgage payment every other week instead of one payment each month... This will essentially give me easier cash flow, but will it really matter to the mortgage company (... |
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baby_jasmine | I am thinking about cancelling some of my credit cards, will that affect my credit? |
i have a couple of cards, but am thinking about cancelling one or two, both of them are paid off. will that affect my credit in any way? my score is already at a low 568. i am trying to increase it. |
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S i r i
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yes it will |
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raydee48
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Only keep one or two with low balances, but try to use them every now and then to show that you pay your bills. This helps your credit. It actually hurts you not to use it if your trying to improve your credit score. Be patient it usually takes a couple of years to get up to the 750-800 range with no negatives or late payments. |
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bdancer222
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A big part of your credit score is based on the ratio of revolving debt to available credit limit. When you close accounts, you lower your overall available limit. If you have balances on any of your credit cards, you debt ratio will increase. Carrying balances of more than 30% of your available limit, kills your score.
Closing accounts will also close their payment history, which could also ding your score.
I recommend that you don't close any accounts if you have balances. Pay off the balances first. Then keep the two oldest major credit cards that do not have annual fees. Only keep store or gas charge cards if you have some special purpose and actually use them. Close accounts via letter and request written confirmation that the account has been closed and 0 balance. Closed accounts tend to come back to life. |
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foxgirlyamaha
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how many accounts do you have? close all but one account, then go about opening a savings account. Actually saving money is a very good way to increase credit ratings. finance companies want to see that you can regularly save. (in order to make repayments on time) |
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I ♥ Richard KHC
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Just cut the cards up it , having the credit will increase your score. |
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TeKe
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Pay them off then don't use them anymore |
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parti1231
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If you keep them open it will show banks that you are able to have a credit card without maxing it out. That's good! But having too many accounts open can also hurt your credit. Just make sure you pay on time. Use the credit cards to buy gas or whatever and pay it off every month, that will help your score a ton. |
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mr.know it all
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Keep them open and use your credit...keep about 30% continuous balance on your credit cards...this will help you in the short and long term! I hope this has helped |
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jenny_penny_06
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yes it will make it worse! keep your credit cards once they are paid off. just learn to not use them and it will increase your score to have them, but have no debt on them. |
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RanaBanana
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I have to agree with foxygirl... I would not have been approved for my car loan had I not had a savings account that showed regular deposits and no withdrawals. |
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OLiVeRs MoMmY
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ok to close them it will not affect you but if you want to get better credit.. i suggest you leave them open and just dont use them..hide them somewhere or do something because whenever you have a credit card open and its paid off..that builts up your credit..or what you can do also is charge your credit card and then right away when you get home..pay it off online and you wont get the interest because you already paid the amount you spent..that way you will syat at owing 0 dollars but at the same time your credit will rise..thats what I do |
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