 No one will approve me for an auto loan? |
i work a very good job and i need a 3600 dollar auto loan.
all the credit unions are denying my applications because i just turned 18 and i have no credit.
i do not have time to open a ... |
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 How can I get a debt consolidation loan in Rep. Of Ireland with bad credit history? |
Want to wipe the slate clean but having trouble getting loan. Not a homeowner.
Additional Details
Can I please stress that only Rep. of Ireland related sites are of use? Unfortunately ... |
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 Credit score went from 750 to 600? |
| My wife did not pay her personal credit card for 5 months. My credit score went from 750 to 600. I had no knowledge this was happening. Anyway I can help myself?... |
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 Why every credit card deny my application? |
| cause i have ipplied for every single credit card and they always deny it. I have a good job.... |
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 Can anyone sugges a secure, no scam payday loan site? |
| I need to get a loan very fast. So I guess the payday on is the best, but I dont want to get scammed. Suggestions please........ |
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 What is the best credit card for a college senior? |
| I have no outstanding debt and a 7,000 credit limit but i want to switch cards for a number of reasons. I will start working in July and I always pay on time. Any suggestions?... |
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 What are Charge-Off's? |
I keep reading people mentioning charge-off's? Some sort of bankruptcy?
Just learning something new everyday ;0
Thanks.... |
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 Im 18 and i want a credit card, how do i get one? |
| and which one is the best? also do i need a JOB?... |
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 What does the k mean after numbers? |
| I know this probably sounds REALLY dumb but what does like 20k and stuff mean?... |
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 Can Creditors Take My Benefits and Assets? |
I'm aware that creditors can place lawsuits for not paying them, they can also garnish paychecks in an attempt to recover the debt.
But can the creditors seize homes or cars that have been ... |
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 How can I get a collection agency to agree to take a item off my credit report? |
| I am trying to get my credit in better shape so that I can buy a house. I made deals with a couple of collection agencies. I told them I would pay in full if they would agree to take the items off of ... |
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 I need help with my debt consolidation.? |
| I recently got married, so now we have his credit card with a large balance, my credit cards (2) have all the wedding expenses on them, and we other misc. cards for smaller amounts. The total amount ... |
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 How do I get a refund for $498.00US that was debited out of my credit card from a vacation scam? Please help!? |
| I replied to a pop up: 06/05/07..You have won a free vacation good for 1 year from Summer Bay Resorts. at 888-782-9847 FL . Since our group of Landsailers sail 2x per year at Ivanpah Lake, Primm in N... |
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 How can you get a loan for a business with poor credit? Is there any help? |
I am interested in opening my own child care center but my credit is not so good. I don't need much.
Additional Details
I have been in child care for 13 years. I have managed a ... |
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 How should I use my credit card? |
| I recently took a new job. I'm out of money so I have been using my credit card for everything like gas, cigarettes, fast food, coffee. Pretty much a lot of little things that add up to about $30... |
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Mandrilx | I just turned 18, I want to get a credit card to start building credit in the US. What is my best choice? |
Just wondering whats a good CC for an 18 year old. I plan to be a full time college student with part time job. |
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Jeremy P
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You can find a complete list of credit cards to help build your credit history here:
http://www.asapcreditcard.com/unsecured-offers.html
Although these offers tend to have higher interest rates (and additional fees) when compared to 'standard' credit cards-- they'll allow you to establish and build your credit history over time. Eventually, with regular on-time payments-- you'll be able to apply for better offers with lower APR's and less fees.
If you're going to college, you might also consider a 'student' credit card. These offers also have higher interest rates-- but include less fees than the offers above. You can find a complete list here:
http://www.asapcreditcard.com/student-cards.html
Hope this helps. GOOD LUCK! |
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big_boss_man1999
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This is a good question, that really depends on your level of responsibility. If you are responsible with payments and simply wish to get a credit card to build your credit, then I suggest any major credit card such as CapitalOne. BUT! The way you use this card is what really makes the difference. First off - to build credit you have to use your card, the more frequent the better (don't overdo this however!), and than you also need to keep a balance. So the fastest way to build your credit is to use your credit card to pay for gas or maybe small items at convenience stores, and then pay off all of your credit card but maybe $20-$50. This keeps a balance in your credit, but it is not enough to really hurt you in interest rates. If you are not very good with budgeting and such, I suggest going with Orchard, whereas you have a deposit and any mistakes you make will not be so detrimental.
On a final note - since you will be a full time college student (as am I), you will find that you need more money than you get from a part time job. Therefore you will most likely be maxing out your credit card(s) by the end of the year, having to pay them off during the summer, so I would suggest Orchard. |
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msijg
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I would reccommend that you get a bank account first and maintain it. A credit card with a part time job is not your best plan. If you have a cell phone in your name you are already building credit. Just make sure that you pay your cell phone bill and manage your bank account.
Secured credit cards make it appear as though you are irresponsible with money. Why do you need a card anyway right now. Trust me when i tell you that you dont want to do anything to ruin your credit and if you lose your part time gig or change gigs and have to wait for a check you dont want a credit card co increasing your interest rate or cancelling your card then just leave it alone until you ahve a full time job.
Do things the old fashioned way-save your money for big purchases. Use a lay away when you can-they seem to be fading out but kmart stll has them and their is a law away website. Not sure how great they are check on them with the better business bureau
i hope this helps |
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joelmeulenberg
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As a college student with a part time job, you should be able to get a great student credit card that pays you rewards. For example, the Citi mtvU and Citi Driver's Edge for Students cards are two of the better rewards cards for students.
To quickly compare student credit cards to see which will pay you the most in rewards, you can plug your spending profile into this rewards calculator:
http://www.creditcardtuneup.com/
Note that this focus on getting the best rewards card assumes that you'll be paying off your balance in full every month -- which is the only really good way to use credit cards. That way you'll build your credit, avoid interest, and earn rewards. |
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Space Coast Virtual Services
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secured card is best to start: If you can't handle your payments your card is secured with a deposit. Your deposit can be $99.00 up to $500 or more: pay good and you can incerease your credit line.
I like Orchard Bank and recently I also really like Bank of America's $99 secured card for $500 credit line! :) |
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beauty s
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I would get a orchard bank credit card.. |
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june e
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Citi® Bronze®/AAdvantage® MasterCard®is by far the most widely used card. It is essential for regular travelers with average credit. Its reward program gives you an additional mile per $2 spent on the card. You can collect up to 25,000 miles annually, and can be redeemed for flights on partner airlines, hotel accommodations throughout the world, and car rentals. Additional benefits are: zero liability for unauthorized transactions, travel accident insurance and various Internet account associated services. The card does not charge any annual fee. But the drawback is the minimum APR cap for cash advances, set at 19.99%.
http://www.complete-debt-info.com/category/Citicards.html |
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iceman
 |
Ask your parents if you can get a card on one of their accounts---And only use it for emergencies. At then end of the month just send them a check for what you owe. If they trust you they should do it. If they see you being reckless with it they will just shut you off. That way you cant really get hurt. I suppose they could though. Just make sure to be responsible with it and when you graduate from college you will have already built yourself a decent credit history. Way to many college students get their own cards and them up killing their credit history before they even enter the "real' world.
This is what I did. Then when I graduated I was able to get my own lines of credit and have built up a very good score over the last 5 years. |
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