 Is this a good offer for a credit card? |
| Its a Mastercard from Capital One, the credit line is $300, 0% APR on purchases until May 2008 - 9.9% after that and a $59 annual fee. I have 1 other credit card, Visa from WaMu with a $500 credit ... |
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 Why should I care about the credit crunch? |
| If I didn't watch the news, I wouldn't even know about the 'credit crunch' or 'recession' - we even bought our first home this year! The only thing I've noticed ... |
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 I am unable to pay the personal loans that i have taken from banks? |
| what to do it is impossible for me to pay the bank loans which i have taken from diffrent banks .I have no property right now,but i want to pay the loans but i will be not able to pay the intrests is ... |
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 How in the world do you actually get a FREE credit report with out a credit card? I never had one.? |
So why cant i get approved for any thing? Not even a credit card they said that my credit is to bad. I havent even done anything to my credit to be bad.
Additional Details
Thank you all. ... |
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 What are some of the best credit cards for someone to start a credit history? |
| This person is a student and will graduate soon and wants a card so he can establish credit. Any ideas on a good one for someone who has never had credit?... |
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 My sister opened a credit card in her name and my mom's, ran up a lot of debt. Is my mom legally responsible? |
| One of my sister's opened a credit card account in her name and my mom's and ran-up a lot of debt, all without telling my mom. The account is now delinquent and in collections and the ... |
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 I received a letter stating that my account had been placed with a National Collection Agency? |
| This is a medical bill apparently. The first sencence says Your account has been placed witha NATIONAL COLLECTION AGENCY. Our client has not yet received full payment from lab work your physician ... |
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 Credit cards /No credit history? |
I would like to establish some credit history since i have none.
Is there a credit card that will except me with no prior credit history?
Additional Details
i see a limited credit ... |
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 Collection Agency Claims They Have a Warrant...? |
| I just got a phone call/message on my cell phone and my voice mail at work from a company called Delanor Kemper & Associates. They claim that a creditor that I dealt with almost 2 years ago is ... |
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 Money Question ? Help !!? |
| So i really need money but i cant get a big amount of money all the time i spend around $106 every month, do you think i should get an allowance for around $132 every month instead? but im such a ... |
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 Mother messed up my credit....? |
| I got my credit report and now I know why I haven't been able to get any credit. I'm 24 now and living on my own. When I was 18 my mother took out a phone and cable account in my name.M... |
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 Can a debt collector take a vehicle that has a lien on it? |
| I owe a small debt from a medical bill that's been turned over to collections, they are threatening to take my vehicle which is financed, it has a lien on it. Can they take it.... |
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 How to and where do u get a perpaid card? |
| I wan to buy a hockey stick online, but i need a credit card, im 16 and my mom doesnt want to use her card, even though i said ill pay for it. I found there is a something called a perpaid card and ... |
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 I CoSigned A Car Loan for my Fiancee And...? |
I co-signed for a car loan for my fiance and during the signing realized that his name is in the co-sign position on the loan docs while my name is the owner.
When I mentioned this to the loan ... |
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 How to raise credit score? |
| I'm trying to raise my credit score and my score is a 486. I started paying what I owe and my score doesn't even raise after several months. Are there other ways to improve the credit score ... |
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Itrolla | I have NO credit history, where can I get a credit card from? |
I'm in my early twenties. I'm not a student. I also need one that reports my limit to credit bureaus so I can build credit. My bank declined my credit card application because I have no credit. I can't go through them.
Additional Details
I need to build credit if I want a car, home, etc. |
 |
 
Jeremy P
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You can find a complete list of credit cards to help build or improve your credit here:
http://www.asapcreditcard.com/unsecured-offers.html
While these offers tend to have higher interest rates (and additional fees) when compared to 'standard' credit cards-- they'll allow you to prove your credit worthiness and improve your credit score. Eventually, with regular on-time payments you should be able to apply for better offers with lower APR's and less fees. For now, these are the types of offers you'll be limited to...
Hope this helps. GOOD LUCK! |
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wilhelminavm
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Check with some of the credit card companies like capital one and HSBC. You might have better luck there. Also, you probably won't get a very high limit-- I was in the same situation, and the limit on my first credit carrd was only $300. That said, I was a broke college student at the time, and it helped keep me from running up a ridiculous balance...
Also, don't expect good rates & such... but as time goes on, the limits will raise & the rates might improve. Also, once you have had 1 card for a while, you can apply for a "better" one and cancel the old one. I did this, and now, my main card also earns me frequent flier miles.... |
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servant
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Try to get a line of credit from a merchandiser....like Sears or target or even Montgomery Wards. Sears is the first company that I got a credit card from years ago. Here is what you must remeber though. The easier it is to get the line of credit, the higher the interest rate will be on that credit. I believe the APR on a Sears card is like 23%. (I haven't used that card in years because of that fact.)
The best thing to do when trying to establish a credit rating is once you get the card, use it periodically, but pay it off when the bill comes due. Never be late with a payment. Pay more than the minimum balance due. That will tell other creditors that you can use credit properly.
It is hard to make major transactions without a credit score, you are doing the right thing trying to get credit. Just be careful. It is easy to rack up thousands of dollars of debt in a short time. Once it gets up there, it takes a LONG time to pay off. Trust me, I speak from experience.
Once you do get credit, it will be easier to obtain more credit. You will get credit card offers in the mail every other day. You will get sick and tired of the word "you are preapproved for".... |
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Hello Kitty
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gas cards or from your bank you can get a secured credit card which mean you put like maybe 500 out of you pocket then you can use the card as credit later on they can give you a unsecured credit card... |
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Peter
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Washington Mutual is very good when it comes to such issues. Never hurts to try.
www.wamu.com |
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beauty s
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orchard bank, or a retail place |
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JC
 |
You could always get a secured credit card... this is a great way to establish credit. I would google "secured credit card" and you location to find out what banks in your area offer it.
You could also try for a retail card to establish some credit as well.... |
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jester c
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list of that type of credit card issuers
http://www.wesayes.com |
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agent
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Go to this resource, http://www.badcreditresources.com. It has a list of lenders that provides bad credit cards for people with NO credit and wants to build a credit score. I suggest that you apply for a secured credit cards. |
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josephvargo8517
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I have listed a source below of a free list of banks and finance companies that will issue credit cards to people with bad or no credit. |
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.
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Because of always paying CASH I found out that I didn't even have a FICO Score ! ! !
So I applied for a SECURED Orchard Bank Credit Card and was ACCEPTED. So far; so good.
So give Orchard A try on a SECURED Credit Card. I can almost guarantee they'll accept you
LOL |
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$m¤¤v¥ £¤¢¤
 |
There's a couple of things that you can do.
1. If you have a close friend or family member with excellent credit, have them add you as an authroized user on their oldest credit card in good standing. Once you're added, the activity from that account will reflect on your credit.
2. Although you may have applied for an unsecured card, see if your bank offers a secured card. A deposit would have to be put upfront as collateral for the same amount in a line of credit, but that's the easiest way to go. As long as you manage the account by not maxing it out and making more than the minimium payment on time every month, usually after a year the card converts to a regular card and you'll receive your deposit back with a little bit of interest.
3. Try Orchard Bank. They seem to have a credit card to fit everybody, including secured ones. I provided links to several secured cards, including orchard bank |
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Amy V
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One good way is to start with a gas card issued by a franchise gas station (Mobil, BP, Sunoco). Maintain this with a good record for 6 - 12 months. Then you can re-apply for regular Visa/MC cards more easily. The limits won't be high at first, but after showing a good track record they'll increase your limits. When you get to a point where the credit limits meet your needs and they want to increase them, ask for them to lower your interest rates instead. But that's down the road. |
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johnnywalker
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Why do you need a credit card? You will probably be better off without one.
Why don't you buy one? Visa and Master Card both have a prepaid card that cost about $5 per month. You put money on the card and then uses it like credit. The down side is that you have to pay up front-the good part is that you pay no interest or payments-that great. Thats the best way to go. This way you can not get into debt and destroy any hope of having something some day. You do not need credit-its a scam! |
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