 I need help........? |
| I was just served papers from a collection beru. I have to pay 3,500. I just dont have that kind of money. If I call them and make payment arrangements will they except them, or will they just take ... |
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 Credit card payoffs - highest interest rate or lowest balance first? |
| I have 4 credit cards and a loan that I owe $20K. I recently read that I should pay off the lowest balance first, but my husband thinks I should pay off the highest rate first. Any suggestions?... |
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 Why would my credit card APR balloon to 19.99%? I haven't missed payments and I have relatively good credit. |
| I have a fairly high balance--$16,000 due to graduate school expenses, but I always pay on time and try to pay more than the minimum payment. I make around $45,000 a year. I don't understand why ... |
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 I have really bad credit- not credit card related. Does credit counseling work or what can I do to fix it? |
| I am having trouble renting an apartment, I am going to need to buy a car and I would like to eventually own a house.... |
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 Will Social Security let you change your social security card.? |
| Someone stole my indenty and therefore I have to change my social security, but I think social security has told me they don't like to do that. I wonder what you think I have been a victim of ... |
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 My brother stole my credit card and went shopping online? |
| he took the card one night and i get this huge bill. i hate him right now. he wont pay for anything. now he left the other night back to new york. am i going to pay for his mistake? or do the credit ... |
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 How long after having a credit card is it ok to request a limit increase? |
Assuming you have paid on time and made substantially higher that minimum due payments.
Additional Details
It in fact would be a so to say "temporary fix" for vacation costs. I... |
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 Who invented credit? |
| You know, the whole idea of "buy/borrow now, pay later" but with added interest?... |
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 Is no credit worse than bad credit? |
| As far as I am concerned Ihave no credit. I have just recently got a student loan, I don't know if that made my credit bad or not. How can I get good credit? I don't want to apply for ... |
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 If i am filing for bankruptcy next month will i get introuble if i use up on my? |
| credit cards this month? I already bought alot last month and this month is it ok?... |
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| Does anyone know how to get rid of columbia house records? |
| I bought some dvd's last christmas and now they are always going into my checking account taking money out and mailing me dvd's that I dont want. I can never talk to anyone at customer ... |
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 I have a serious problem on my hands! I had some money saved up and i went out to find me a used SUV? |
| I set out to find a way to restablish my credit, and my girlfriend gave me 7 grand to put down on a used car. Now, by being so excited, i didnt care what happened, i just new i had cash and i found ... |
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 I CANT GET APPROVED FOR A CREDIT CARD NO CREDiT? |
| what credit card can i get i have no credit. i know how to spend stuff im only gonna buy like cheap stuff and pay it off each time. is there other ways to build credit?... |
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| Credit card company threatening to take money !!? |
| I had a credit card with halifax bank a few years back , i basically got behind with the payments and eventually stopped paying , after several letters , i rang them up and explained difficulties in ... |
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 Is there a way to remove old paid off debt from my credit history? |
| I am trying to build my credit back up after some stupid things I did as a 20 year old. I had some deliquent credit payments about 5 years ago or so, that I eventually paid off in full about 4 years ... |
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 What can i do about ex husbands girlfriend pulling my credit from her work? |
| My soon to be ex husbands girlfriend obtained my social security number and pulled a hard inquiry on my credit. She is employed at a mortgage lender, which is where the inquiry came from, although a ... |
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 Why can't I get a unsecured credit card? |
I'm trying to rebuild my credit rating but nobody wants to seem to help!
Additional Details
they keep sending me applications for uunsecured cards and then reject the applications.... |
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 Do anyone know of a reputable Credit Repair Agency? |
| I have several charge offs, and collections items on my credit report. I would like to get these items removed. The biggest challenge is with Experian they do not delete anything. I would like to ... |
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cell200311 | I want i higher spending limit on my credit card? |
i just got my first credit card with a lousy 500 limit, i got that thru my credit uniom, if i got to mastercard, american express or visa, can they just give me like a $10,000 credit card, or do i need like credit history, |
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BlackDahlia
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Usually most banks will increase your line without asking once you've established that you can be responsible with your card. If you make all your payments on time, this will usually happen. I got my first one about a year ago and they have already increased my line twice- I started at 1,000 and it's now 4,000. I've paid all my bills on time and I usually make payments bigger than the minimum to pay off the whole balance after a couple months. Starting at 500 is a good thing- for both you and the bank. Credit card debt in America is a huge problem, and this protects you both. You cant rack up your debt until it's impossible to pay off, and they won't lose money. Start out slow and learn to be responsible and you'll eventually get what you want.
Remember- you're probably young since this is your first card. You may not care about your credit now, but if you rack up a credit card and then in a few years want to get married or buy a house or car, they look at your credit card and count that money against you, and your credit report also. so if you go to get a loan for a house, they will see any debt you have and subtract that from what you make a month, lowering the amount you will get approved for. So don't even make one mistake now, or it will end up biting you in the @$$ |
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Kitten S
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You need a credit history. I caution you though. You probably should let the limit remain low. That will help keep you from overspending. I have great credit, and I hate credit cards. So many people ruin their credit when they are young, and they lose the ability to make major purchases like homes. Never spend more on your credit card than you can afford to pay in a month, otherwise you pay finance charges which is essentially a fee to use your own money. Get a debit card! |
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Rigo
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If you have no credit or crappy credit, $500 isn't so bad. What you should be worried about is your interest rate, not your limit. Even with only $500, a high rate will make it a total pain.
And no, the other credit cards will not give you a limit like that. Hell, not even with acceptable credit. And the fact that you seem impatient about not having that high of a limit, is the exact reason why they won't give you one. You don't appear to be responsible enough to deserve that amount of trust to them.
That's why you've got to spend a while (a few years) building up your credit, making payments, and paying things off on time. Once they see that you have a solid record of responsibility with credit, then they'll consider offering more to you. |
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alisonriann
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don't do it! it will take you Years to pay off credit card debts. trust me on this. |
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Mrs.Burr
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Keep your limits low, you dont want to be in debt, always pay in cash. and realize if you have a 10,000 limit, you need to pay that back, can tou really afford it? moral credit cards are bad news..only use them in emergencys!!!!!! |
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yellowcellica
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They raise as you spend and show that you can pay your bills so it will take some time |
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rabbit
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Nope you don't. Just keep it where it is at and just use it for simple things. Save your money for the big stuff or get a loan through a bank as the interest rates are MUCH better than a credit card. Credit card bad, green cash good. lol XD good luck |
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libturd
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no, 1000 to 1500 if your lucky. i havent heard back from mastercard they are really stingy. |
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bettyboopgirl
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you can ask to get a higher limit after 6 months and you have been in good standing and no late fees. but not $10K, you will probably be given an additional $500.
But eventually this helps build up for the near future.
K |
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