 Credit card trick: Is this possible? Is this illegal? |
Let's say you have two credit cards, each with a $10,000 limit that you can take out in cash, and neither charges interest if money you borrow is paid back within one month.
So, you get $10,... |
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 My husband and I are going this weeked to look at? |
| modular homes . we live in pennsylvania, my lowest credit score is 495, my husband is in the 500 range, what are our chances of being approved for a mortgage, we own the property where the home will ... |
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 How can i find out if someone has registered a credit card to my address? |
| I have received a package at my home address the address is mine but the name is not,. This has happened once before and i thought it was an innocent mistake but this made me suspicous (and the name ... |
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 I've got really bad credit, where i can't get anything on credit anymore? |
| I have really bad credit from when i was younger and nieve about credit rating, now i need a good credit rating i can't get anything. I am getting married soon and was wondering if you think i ... |
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 Bankruptcy? |
| I file bankruptcy and it went through in January. I kept my car and I was told while the bankruptcy was going through I could turn it in without penalty if I wanted. Can I still turn it in now that ... |
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 A collection agency wants my checking account number. I don't want to give it to them. What should I do? |
They do this stuff every day and have an answer for everything. I just need to buy a couple of weeks so I can finish getting the money together.
For the most part, the debt is valid. W... |
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 Why do I need credit? |
| I'm 36, Russian by nationality. 5 years ago I came to America with my family - a wife (she's an American), 3 kids and $3,000 (no worries, I'm legal, have a "green card"). I ... |
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 Credit card issues with non payment - 3rd party calling me threatening with court. What's my rights? |
| I had a hardship about a year ago and finally get all bills back in order. My credit card is over limit by 1300.00 - the total is less than 5k. I got a call that the credit card "sold" my ... |
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 IS IT iMPOSSIBLE? |
| IS IT TRULY IMPOSSIBLE to get a loan with very bad credit! credit cardS in collections!!... |
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 Need help/advise on house mortgage and car loan? |
| I just received my very first credit report/score from TransUnion. My current score is 680. I did have 3 late payments in 4~5 years ago. Other than that, my file was clean. However TransUnion still ... |
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 What's a good 1st credit card for a college student? |
| Something for a college student with no credit (first credit card). Something with a relatively low APR, and 0% APR for the first 12 months. Cash rewards are fine. Wouldn't really use flight/... |
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 How do credit cards work? |
| So,do you only get one amount of money one time on the card and once you've spent all of the money that was on the card you're done? Or do they keep adding money to it monthly or something? ... |
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 Do unpaid phone/utilities collections effect your credit score? |
| I unfortunately managed my credit poorly while in college, and now, over 10 years later, I am slowly trying to repair my credit. In addition to student loans, I have two credit cards in collections ... |
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TD | I need a recommendation on a new credit card. I'm building my credit and I don't want a fly by night card. |
I just bought a car and increased the limit on other card of mind. I think my credit should be good enough to get a card that doesnt have a annual fee and or high apr.
Thanks |
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Jeremy P
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You might want to try a card for 'fair / average' credit. You can find several options here:
http://www.asapcreditcard.com/average-credit.html
These offers are designed for people with credit scores between 620-659. Unfortunately, if your score is lower-- you'll probably end up paying an annual fee. Here's a complete list of credit cards (for poor / no credit) if your score is lower:
http://www.asapcreditcard.com/poor-credit.html
Hope this helps. GOOD LUCK! |
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$m¤¤v¥ £¤¢¤
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The last poster forgot to mention the downside with Capital One: They DON'T report your credit limit, only your high balance to the credit bureaus. Also just becuase you bought a car and increased the limit doesn't always guarantee you a card with a low APR and no annual fee. Keep in mind that the inquires from buying the car and the check to increase your credit dropped your score, as well as the additional debt from the entire note itself. The line increase however will help offset the loss from the inquiries. Chase and Wachovia have some decent cards, but be careful, just because you're approved today. doesn't meant that you will be approved tomorrow. |
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Helper
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I recommend Chase. They have no annual fee and low apr depending on your credit history. If you cannot get approved for a Chase credit card I recommend an Orchard bank card. It is the best for people who want to build their credit history. I've heard bad things about capitol one. I would stay away from them. |
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Jenna H
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The best card I ever had is the Discover Card you can apply here to get yours:http://www.financeconsultant.org/discovercard.html |
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Fico C
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Whichever card you to apply for, PLEASE READ THE FINE PRINT.
It has been reported and proven, in your fine print there is a universa default interest rate ladder. These are on a lot of the credit card company policies.
Universal Default Interest Rate Ladder - Your credit card company can double or even triple your interest rate due to a perceived change in your credit picture even if you have a perfect payment record with them. What's more, your jacked up rate can apply to your entire balance, not just new charges moving forward. If you see an agreement with this clause, don't accept the card - run! Take your business elsewhere if at all possible. Chances are, you may already have a card with this clause, so beware! Your credit card company will periodically scan your credit report for one of several Universal Default triggers: Even a single late payment on another credit card, your mortgage, or utility (phone, electric, etc); Exceeding your credit limit on just one of your cards; A credit score that declines; Taking on a new home mortgage or auto loan; Having too much overall debt; or Simply applying for additional credit. When do most consumers discover Universal Default? When they get their credit card statement and begin to hyperventilate. By then, it's too late, and the iron door has been slammed shut. |
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aunt_webby
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gat any card that says free for 2 years and then terminate after that time |
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Just me........
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Try Capitol one , That's where I got my start!!! |
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brokerstorage
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Capital one is pretty awesome try them. |
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beauty s
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Orchard bank |
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Here's To 2009! =]
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Capital One is a great card to have. Its a great starter card, and a great card to build credit. There is no Annual fee and the apr isnt bad...
I got Capital One when I turned 18 and it is such a good card! I suggest going with Capital One! :-) |
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Scott Bilker
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You are right that you shouldn't have to pay a high APR or annual fee! I have organized many good credit card deals at http://www.debtsmart.com/cards/
Regards,
Scott
+++++++++++++++++++++++++++++++++++
Scott Bilker
Creator of DebtSmart.com
Author of:
"Talk Your Way Out of Credit Card Debt"
"Credit Card and Debt Management"
"How to be more Credit Card and Debt Smart"
DebtSmart® Online
Published by Press One Publishing
http://www.DebtSmart.com
+++++++++++++++++++++++++++++++++++ |
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