 Credit cards?? |
| Do I have to have a bank account to get a secured credit card?... |
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 I want to file bankrupt is that a mistake????? |
| I was thinking that I should file bankrupt so that I could rebuild my credit in order to buy a home. Do you think that is a good move or not? I want to pay all this bad credit off but it is so hard ... |
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 What does your credit score have to be in order to qualify for a small business loan? I want to be prepared.? |
| I am looking to start a small baby/mother's boutique. The only thing keeping me from going and getting a loan is the fear that my credit score won't be high enough... it's sitting at 6... |
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 How can i start building credit? |
i'm a college student, i already have loans out. how can i start building my credit?
Additional Details
i dont have any bills yet. i have a checking account.... |
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 What help does your bank provide for people who are in debt? |
| I need this answer as soon as possible …please if you answer this question ..let me know quickly…thanks for your help.... |
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| Collections? |
| I have a CC debt that has been charged off and sent to a collection agency. I am waiting on validation of the debt from them after sending my validation letter. What do I do if they do not validate? H... |
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 What can I do about calls to my house (see more)? |
| Some chick gave out my number for everything she's been working on lately. Ie. she checked out earthlink and put my number in and I have been getting other telemarketing calls for her to my home ... |
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 Can I change the due date on a credit card bill? |
Two of my credit card bills are due on the 31st. I get paid on the 1st only. Can I request to have my due dates changed so that I don't have to worry if I will have the money to pay my bill?
<... |
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 I am worried about my credit? |
| I am 21 years old and I am in my last year of college (graduating May 2008) I had 3 credit cards that were all about 1.5 years passed due and in total about 2500 dollar debt. I paid one off in full ... |
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 Can a credit card company randomly raise your APR for no reason? |
I have a credit card and just looked at my statement- my APR doubled.
I called the company and they said they can't tell me why, due to 3rd party something or another, but will mail me ... |
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 I'm 20yrs old and I have a credit Score of 726? |
| is that good?? What can I do to raise it ? How long will it take me to reach 800?... |
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 Safe to give SS number? |
| Would it be dangerous to give someone my social security number, name, birthday, and address? It would be for a credit application but it is not for a certified car dealer, its one of those smaller ... |
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 Is there a statue of limitation for collecting money on a debt? is there anything i can do to protect myself ? |
| i keep getting calls to collect on a debt from 1998. it was one of those sweepstake scams, i never recieved any mags after making a payment so i quit paying.( young n dumb obviously) now in 2006 they ... |
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 Buying a house and credit score? |
This is for my future information. What is the minimum that your credit score has to be in order to quilify through a bank to buy your first house? On a scale between 350~850. Thanks.
A... |
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Butters<3 | I need help on which credit card i should apply for? |
I'm a full time college student and I have a part-time job. I already have a bank account at WaMu, but I was wondering which credit card line i should apply for? I was thinking of either Capitol One or Discover Card.. which credit cards do you guy have? And how do you like it? |
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Kirkus
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Get a card from your bank. Do not pay the balance in full, keep a small balance.
You establish a credit history and will develop a credit score. Once you get a higher score you will then be able to get a card at a lower rate. I have excellent credit and have a card I use for business that is 5.9%. I know people that have 20% or higher. Be sure to check the small print on the contracts. Watch out for those teaser rates and be aware of the following …. If you have one card that has a teaser rate say 8.9% for six months, etc.
If you are late paying any of your other bills or credit cards they can switch you to the highest rate allowable in your state. Be leery of the cards that give you a certain percentage back based on your spending, they usually charge a high interest rate and give you the false impression that you are getting money back when in reality you are paying more because of the higher rate. Shop around for the lowest rate. Good luck! |
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SMD
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it really depends on what kind of offers you are looking for... if you are a student and just need to convience, then I would get a card that has no fees..
here is a list : http://preferred.ecreditdirectory.com/categories/no_annual_fee_credit_cards
you really need to look at the offers and decide which is right for you..
thanks! |
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HA! HA! HA!
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Go with the lowest interest rate..
I am not a Capitol One fan. |
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gvh
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Start by getting one from your current bank. Be sure to pay off the balance each month....don't fall into the trap of paying only the minimum payment. In a year or so you will get many more offers. |
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Amanda
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My first card was capital one and I never have had a problem with them. The only downside is a low limit and high rate but I think if I called them I could get a lower rate and I don't need a larger limit... |
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heybulldog
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Get a debit card instead. It will do anything a credit card can do except get you into debt. |
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Jay
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My advice is that you do not apply for any credit cards. As a college student, do you want to be in debt before you have that job that brings you in money to pay that credit card off each month? Credit Cards are financial traps that we get hooked into for their convenience and easiness; but in the long run, I find it illogical to pay more money than I spend for the sake of having a credit card. These companies can offer you great interest rates, but as soon as you do something that you may not even be aware of, you are kicked up to a 33-36% compound interest rate. This may not be what you want to hear, but it is the most practical thing to do for yourself. Too many people give other people their hard earned money instead of save the money they have and learn how to make it work for you, grow in magnitude. Don't your bank give you a visa/mastercard check cashing card. that will work fine. If you don't have the money, your account won't be in the read. You can't spend ft you don't have, and won't own on what you did not buy. Be careful, the financial hawks are alive and well. |
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ellie1010
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As a newly graduated student, I'd advise you to read this page http://www.creditcarddetails.com/student_credit_cards.html
It has great credit cards, designed for students on it and I think this is the safest and best way to go. Hope this helps! |
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Snipester117
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Dont they will ruin your life and credit forever unless you actualy have the big $ to pay off the money that WEEK, not month, year, ect. (Dont do it, listen to the vioce inside your head) |
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