 Is amazon a safe site? please answer!? |
Ok soo...My dad doesnt trust his credit card number with
any internet sites at all! I believe amazon is a good site because my friends order stuff from it ALL the time. I'm not a big ... |
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 Does opening a bank account and continually putting money into it without taking it out establish credit? |
| I opened an account and I want to know: if I keep putting money into it and rarely take any out, does this establish credit? If not, how can I? A person said something about purchasing something at a ... |
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 When they say if you make an extra mortgage payment you reduce your balance does that incl taxes & insurance? |
| e.g., if your mortgate is 747. then you add property taxes, and homeowners insurance making the payment 1242. do you pay the 1242 or the 747?... |
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 Debt help? what to do?? bills, rent etc? |
| I have somehow got my self into about £15000 worth of debt with creditors, on top of that i have now fallen behind with my bills and owe two months on my rent... Where do i stand and what can i do?... |
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 Can I get a loan with bad credit? NO PAYDAY LOANS! I need a gauranteed loan. $10,000.? |
| I can't get a loan from anyone because I have bad credit..made a few bad choices in the past, and still getting penalized. I need a second chance. Please no S... |
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 HELP! what is the max time a creditor has to collect on a debt.? |
| I had a creditor contact me via mail regarding a passed due balance from 1990. to be honest I don't know if I ever even had an account with them.....They are threatening to attach my credit if I... |
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 Can credit card debt be passed on after you die? |
| It is my understanding that unsecured debt can not be passed on to your spouse or children when you die. I work in the credit industry and when assisting a client who's husband or wife has ... |
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 If I pay off my car loan, can I get any of the negatives, removed from my credit report? |
| I was late a couple times on my car payment. If I pay off the whole amount, is there any way I can negotiate them removing any of the late payments from my credit report?... |
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 What is the best way for me to dispute an item on my credit report? |
| I just closed a mtg refi. My lender found a $3500 chargeoff on my credit report. I called the company who placed the item. They could not find anything with partial acct # provided on the report. ... |
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 Can a collection agency put negative marks on your credit report seven years after the origination of the debt |
I have a medical bill from February 2000 that I considered at the time, and still consider, to be illegitimate. I didn't pay it.
In 2004 it was sold to a collection agency.
... |
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 Where can i look to find out what credit cards i still have active but not using? |
| i have used many credit cards in the past, most of which i have cancelled, but there are some that are still showing as active, is there anywhere that will be able to show me which i have ... |
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 I just got a call from a collection agency!? |
| I don't know what this could be for, because I didn't actually speak to this person, I just got a call from someone who called herself Mary at my work leaving several messages saying the ... |
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 Where is the best place to get a loan, even with bad credit? |
| I am looking for a loan between $1000 -$5000. I have bad credit, and I'm afraid that I know for sure I know I'll be turn down for it. I wanted options where I can atleast get a thousand ... |
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 I REALLY want to build great credit history and score? |
| I just turned 18 about 2 months ago. I have a cell phone in my name which I had since I was 17. I applied for a credit card and was granted a $300 limit. I just received my second statement from ... |
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 What is the best Student Credit Card? |
I have no credit, but i would really like to get a card before leaving for college.
what is the best student credit card?... |
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yage v | I hear horror stories about credit card debt. Should I really go into the credit card thing? |
I'm 26 and I have no credit history at all. I'm always needing to make a purchase online like air tickets or internet courses. Right now I am not able to get a loan for school, a home, finance a car, or even get a cell phone. Should I really get a protected card and work from there? If not, what can I do to establish even a wee bit of credit??!!!! I don't want to go into debt! THANKS |
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Waine
 |
A credit card is a bad idea, but only for people with no common sense, as it's entirely up to you how you use it.
I find it saves me thousands just by enabling me to buy off ebay for instance, and every purchase I do with it is covered by insurance..... the cc deal is extremely simple:
just remember that it isn't your money, spend only if you
have funds to pay it back when the bill comes, and you will just fine.....
if you need more, get stuck into these, soak it all up over time and it'll help
build up your knowledge:
http://credit-cards.ebookorama.com
http://finance.ebookorama.com
http://credit.ebookorama.com
http://credit-repair.ebookorama.com
if you get any luck please don't forget about me lol, hope it helped you! |
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pirkko r
|
Without a credit history, a Financial Institution has no background to determine whether you are a good credit risk. This is almost the same situation had you not paid your loans etc.. The first thing to do is get that protected credit card to start to build a credit history. Go to your bank, talk to a personal banker and let them know what your situation is. Start a small retirement account as well as an emergency savings account as well. This will show the bank that you are serious about your financial future. With the credit card, pay it in full every month and continue that practice with anything you get in the future. It is a great habit and will ensure that you start to get the best rates and products.
Good luck! |
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taketwo
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if you are impulsive then no |
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Jessie_love
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my suggestion is they have those special cards just to do that. cards with low balances, I mean maybe get a card with 200 max on it, but only use it if you have the cash to pay for it right away, I mean charge on it, and then that same day mail away the payment, or a few days later. Credit card debt is awful, I myself have never had one only because I know I would get into a world of trouble, my sister had alot of problems and my parents had to take out a loan for her to get out of credit card debt, and she only had them for a few months, but she had about 15 ( she was in BIG trouble, and her credit is all messed up now) |
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jimi
|
Yes, but handle it wisely and don't over spend what you can't back! It's so easy to spend money that you don't have. |
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Reaper King
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get ONE card. preferably something with a decent interest rate like around 8-10 APR. use it sparingly and ONLY for crap you need, not want. pay on time and keep the balance below 50% of the total available limit. once you go over the 50% mark, a red flag gets sent to the bureaus and your score decreases incrementally for however long you are over that limit. best advice is get one card and use it for gas and groceries. THATS IT. pay either the full balance every month or at least make on time monthly payments. once you get the hang of this, your score will increase making things like loans, auto and cell a lot easier. you should be able to get a cell now. my credit is attrocious yet I still got one. check wirefly.com and they should be able to get you one |
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otherworldtrader@yahoo.com
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Your best option is a debit card. butif you do get a credti card besure of 3 things.
1-don't over extend your ability to pay.
2-get a protected credit card incase it is stolen or such.
3-pay it off as fast you get the bill if possible.with in 2 years you will get bette rcards at better prices.
If you get a debot card or credit card remember that most convience stores where we buy gas or the pumps where we chasrge it there do not need your card pin number but one time. after that they have your pen number in their computer and rarely does one of them ask for it agaain or for idenitification, so losing your card could cost you a fortune. The theives would not need a pin number. |
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Justme
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having a credit card in this day and age is handy for the reasons you listed. but only if you ae money conscious and are good at paying off your debt at the end of the month.
something you can do is ask for a limit and if they up it for you call them and tell them to lower it again. this keeps you from accumulating the debt.
credit cards ara first step in starting a line of credit. i know people who have tried to get loans and oculdn't because they have never borrowed before. owned lots of things but always paid cash. so if you think you are wise with your money it is a good way to get started. if you think you will be a shopaholic like me, put a parent or osmeone in charge of the card for you when you don't need it. |
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Joe Cool
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Obtaining credit card debt is a horror story of our time. I admire you for being so cautious. My 26 year old wasn't and he has to live out of the country as a result.
Because of convenience and for emergencies - not a pizza, credit cards are helpful. A protected card is a good way to start.
I want to scream ZOUNDS about you not going into debt. Remember me when you are rich and famous. Kudos.
Talk to a local, home owned store about the purchase of a piece of furniture or such. They maybe willing to take you on, but prepared to show them your work history and or assets. |
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Zak
|
Get a gas credit card (from any specific company) and use that solely to buy gas and pay it off every month. That is a great way to establish at least a little credit. |
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Laissez-Faire Guy
 |
Yes, if you wish to participate in today's modern world and do things like buy things online, rent cars etc., you really do need a Visa or MasterCard.
You are obviously wary of the credit card debt trap, so use it accordingly. Never buy anything you can't pay off at the end of the month.
If you'd like to build a good credit history, you don't have to use it all that much. Just one purchase a month, is enough to generate a bill. When you pay that off at the end of the month, it gets reported to the credit bureaus as a good payment.
As long as you always stay below 20% of your maximum credit limit, it looks good on the credit report. Stay away from Capital One cards, because they screw that up by not reporting your maximum credit limit. It makes it look like you've hit 100% of your credit limit.
Make sure your first card has no annual fee, and then keep it forever, since length of credit is another factor. I've got a card from 1986 that I rarely ever use, except that it looks good on my credit report that I've had an account in good standing with them for 20 years.
Following these steps, your credit score will get high very quickly and you'll be able to get the best rates for when you really need credit, like a car loan or mortgage. |
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