 What is the best way to get out of debt? |
| My mum is in a lot of debt, I've been making the payments for the last year but I can't do it any more. She can't work due to a disability she's had for 20 years, so is on ... |
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 I am 15, and i want to learn about credit cards,can someone teach me? |
i just want to know do you have to have one when you get older?
are they bad to have?
and how do they work?... |
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 Should I take out payment protection on my unsecured personal loan? |
| I am taking out a personal loan over 3 years, and have been offered payment protection which will cost almst £50 per month. I am in a very secure job (virtually no risk of redundancy) with good ... |
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 I just got a credit card? |
| I just got a platinum credit card, with a 10,000 dollar spending limit. If i spend all the money in one day will i have to pay back 10,000 in one payment or will i have to pay payments like 500 a ... |
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 Have i been accepted for a credit card??? |
| i applyed for a capitalone credit card about a week ago and i got a letter today to say " congratulations you've been accepted" i just ave to sign the the agreement papers and send ... |
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 Will anyone love me if I'm poor? |
| I am 22 years old, almost 23, never kissed, never dated, and now I'm facing being sued for money and having my wages garnished. Will anyone ever want to be with me, knowing that I have all this ... |
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 Is it true if you quit paying your credit cards in 7 years the debt will be erased? |
| I just heard that if you cant pay on your credit cards anymore that after 7 years it will disappear from your credit report, kind of like a bankruptcy.... |
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 Have you ever been charged for going over your overdraft limit at your bank? |
| The Sunday Times this morning has an article about how the banks are repaying their illegal charges imposed on customers who have gone over their agreed overdraft limit.... for up to the last 6 years.... |
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 My credit score is 500 and i need 10000.00 to pay a debt ,any suggestions other than parents or equity loan? |
| i was unemployed for 15 months and a friend loaned me 10000.00 to keep me going . I am back at work but i need to pay back this debt and now my credit sucks because both my wife and i were unemployed.... |
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 If you pay the min. pmt on your credit card but not the entire amt due, does that affect your credit score? |
| Let's say, for instance, I have $100 due at month's end, and a $15 minimum payment. If I decided to pay off the $15 and defer the rest until next month (with interest I suppose, though I ... |
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 How can I stop collection agencies to stop calling me? |
| I had a financial crisis a couple years ago when I lost my job, but am working now. I had a couple debts go into collections and they are calling me 10 times a day.... |
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 Do u think this is a scam? |
| this guy says he will loan u 50,000 dollars in 24hrs it will be transferd to ur account if u western union him 269.00 to cover the insurance fees? no credit check nothing like that just wants ur ... |
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 10 points for best answer please help!!!!? |
| I got my paycheck its not big because i dont work many hours because i go to school. My paycheck was 325 deposit i had an overdraft of 110 which i believe is wrong because when i went to pull out $ ... |
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 I DON'T believe it! Barclaycard has reduced my limit! Why? |
| Because I pay it off in full every month. Because I have quite a lot of money in my savings account [Yes, I know I'm lucky] and pay all my bills on time, in cash, don't have a cheque book ... |
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 I owe £70000 visa card and bank loan? |
what happen i owe £70000 visa card and bank loan,
but i will move to new place. no register council tax..... |
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xMsPinkyx | I have poor credit and want a credit card...? |
that I can use to improve my credit score. Can anyone give me a list of companies I could try?
Thanks |
 |
 
babii girl
|
all i can suggest is google financial institutes and try ur luck with applying 2 some |
|
claimbankchargesback
 |
There are 3 main companies in the UK that you can use to get a credit card with poor credit. These are (listed in order of preferance and most likely to give you a card):
Aqua
Capital One
Vanquis
All the url's for their site are below, and you can apply online.
Bear in mind that you should only apply for one at a time, and only a couple in 6 months, or you will damage your credit rating further.
Also the because you are a bad risk in terms of credit, the interest rates are very high! If you fill your card and leave it like that, you can very quickly rack up massive interest charges, so be very careful with its use, and try not to leave much of a balance on the card. |
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Ellie
|
Well, capital one- but there rate is about 37.7%- its extortionate. You could have a look at www.moneysavingexpert.com- he will give you some good pointers on how to get the best deal at the moment if you have bad credit rating. |
|
Helper
 |
Here is a list of credit cards for people with bad credit. I recommend Orchard bank. |
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grierGRIER h
|
Bad credit problem can be caused due to a number of situations. The credit card choices available to bad credit people allow them to rebuild their credit history. Financial products that help bad credit people are prepaid credit cards or debit cards, secured bad credit cards, unsecured bad credit cards. Apply online for a best credit card according to your credit at: http://www.credit-card-gallery.com/Problem_Credit.html |
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beauty s
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My score was low and I got a credit card from Orchard bank |
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Jeremy P
|
You can find a complete list of credit cards for people with poor credit here:
http://www.asapcreditcard.com/poor-credit.html
Although these offers tend to have higher interest rates (and additional fees) when compared to 'standard' credit cards, they'll give you the opportunity to build and improve your credit score over time. Eventually, with regular on-time payments-- you'll be able to qualify for better offers with lower APR's and less fees. But for now, these are your options...
Hope this helps. GOOD LUCK! |
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Dewey K
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Your credit did not get bad overnight and it's not going to get better overnight, you are going to have to work at it and be patient. There is a website I found that can help you get reestablished. There are some excellent articles about what you can do but you are going to have to work through the steps. See www.1-800BadCredit.com and check it out. |
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Python
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i also have a bad credit report, but i have a Capital one credit card. as long as you keep up the repayments on time its a good company. plus you get to choose the card design. cool.. |
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twv2351265
 |
Orchard Bank and First Premier Bank are pretty easy cards to get with poor credit. |
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$m¤¤v¥ £¤¢¤
|
Orchard Bank's a good place to start if you're looking to rebuild your credit. Aside from that, you may also want to consider secured credit cards. While you will have to put a deposit upfront to get the same amount of the deposit in a credit line, you can think of this as building credit with a savings account, because that's pretty much how a secured credit card works. As long as you make small purchases that you can pay off in full on time every month, usually anywhere from 9-18 months you get the deposit back (with interest) and either the card coverts to an unsecured one, or you're offered a better card altogether. |
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charterman
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If you have a poor credit rating, I would avoid getting a credit card, especially one for people like yourself. Have you seen the interest they charge?.I know of one that charges 177%.
Get yourself a prepaid one, all the benefits of a credit card but none of the drawbacks for missing a payment. You set your own credit limit. |
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Edward the Yorky
|
Try Capital One |
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sajith
 |
Find very useful info and tips on getting and managing credit cards on http://creditcardmanager.credithelperhom |
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mohanraj a
 |
visit this site more companies are there |
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steve h
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don't do it, I am now dept free but it took a long time. |
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hobbes8calvin
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I think some of the other users are giving some good info. I would just say that I have been in the credit and collections biz for 12 years and I do not have and would not get a credit card unless it was as a last option. Credit cards are the #1 cause of debt in this country and are very hard to pay off if you over use. There are better ways to improve your credit. If you really want one I would try to apply for something like a gas station card or a retail store card like sears or Target. This will allow you to use credit for things you would normally buy anyway and build your credit at the same time. They usually have better points/reward programs also. Just make sure you pay off at the end of the month and stay away from making the minimum if all possible. |
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Pinhead
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LOL!! Good luck! |
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thetiredpostman
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dont deal in cards,youll just be robbing peter to pay paul,just stick with cash |
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