 How does an 14-year-old with no credit history get a credit card? |
| I'm 14 and I have tried 2 diffrent places the first was american express and the second was discoverey. They both wouldn't except me because I'm below the age of 15 and 18. Can some ... |
|
 How do I get out a car payment/loan I cannot afford? |
| I don't make nearly as much money as I use to and I am struggling with my car payments.... |
|
 Should I file for bankruptcy? |
| I'm 27 and want to buy a house but I can't bc I'm about 10,000.00 in debt to about 15 credit agencies for random stuff and medical bills. I really can't pay them off. I just ... |
|
 Trying to buy a phone and refused, saying I have a poor credit rating which I know nothing about!? |
| I live in the United Kingdom and was trying to buy a mobile phone online from dialaphone. They sent me an email saying that they refuse to sell the phone package to me because i have a poor credit ... |
|
 I have never had credit..? |
How can I build up credit? I've never had a credit card, closest thing to it is my debit card. Help please.
Additional Details
I thought it would be a good idea to build up credit ... |
|
 When you have debt will the credit card companies send you a certified letter? |
| I'd assume when they are suing you, but just wanted to check My friend has a certified letter to pick up and she is scared about doing it. What else could it be?... |
|
 Is that okay to sign up a car loan for my bf that I knew for 8 months? |
| Today we just cruising at the dealership and I found out that he has a bad credit, miss the 200 dollars payment up to 30k. and the salesperson force me to sign up for him, I didn't want to do it ... |
|
 Where can i get a credit card....? |
| Where can a student with bad credit get an approved non-prepaid credit card?... |
|
 Debt Collectors Called me, Im scared |
| I don't know the name, but they said theyre a debt collector company, and wanted me to call their main office. I'm scared, I don't know what to do. My mom doesn't know what it is (... |
|
 Does it help your credit score to have more then 1 credit card and if so how many should a person have? |
| I was just curious if I should get a second credit card. right now i have a visa and was thinking of also getting an amex.... |
|
 Is having a credit card a good idea to get a good credit rating? |
| If i get a credit card and set up a direct debit to pay it off everymonth will it make my credit rating good? is this neccessary for things like morgarges in the future?... |
|
 Closing a credit card....??????? |
Hey guys,
I was wondering if closing my credit card will hurt my score. It was my first card, I've had it for a year. It has a horrible interest rate, a low credit limit (200), annual fee,... |
|
 If I have a credit card open with zero balance is there harm to my credit keeping it open? I will never use it |
| I have a victoria secrets credit card. I have paid it in full and have no credit available anymore. I like to keep it open because I receive benefits each month & coupons. Does it harm my credit ... |
|
| How can i sell on eBay without a credit or debit card? |
| been a member for long time and i can buy things but when i try to sell they tell me i need a credit or debit card and i dont have one and im not getting one can anyone ... |
|
 I am unable to pay my credit card bill? I ve been jobless since last 5 months?Help? |
| With an outstanding of 25K the customer service agent told me to pay some money per month. Over last 5 months I ve paid alreday 10K and instead of being (35-10K=25K) my Balance is coming upto 55K!! H... |
|
 I need a personal loan for $3,500....have bad credit.? |
| I have looked online, and gotten nowhere. My credit score is too low for prosper.com due to a recent bankruptcy (divorce!) and my current AmEx debt (keep reading). I don't have a co-signer. I ... |
|
 Ok Please be honest with Me Does Bad Credit Prevent me from becoming Employed? |
| I am asking because I have a feeling that it does and it makes it hard on People to do things with bad credit on their credit report.... |
|
 Problem with dept collectors... HELP!!!? |
| Ok, so... I'm 20 years old and I was being a moron when I was 18. I got three credit cards and went out of control. So now I have to pay for the mess I made. Well, Last month I couldn't pay ... |
|
|  |
Dahouseman | Is a credit card w/ a limit of $1,000, and APR of 23.90% a good deal for a college student? (My second card)? |
This is my second card and the annual membership fee is 69 dollars with an enrollment fee of $69. It's a visa platinum card. |
 |
 
ekibitz
|
My college student son got a platinum card through a credit union. The limit is around $1,000 also, but the interest rate is less than 10%. He uses it for small purchases and pays it off, on time, each month, so he pays no interest. He is only trying to build some credit history. I would not advise paying an enrollment fee (whoever heard of that anyway?) or an annual fee. There are so many cards that don't have one, you should be able to find one. Be smart and you'[ll be OK with any card. |
|
kate
|
The % rate is uber high but people real serious about $$$ never pay interest because they pay off the balance every month .
(They waste 0 $ on interest).
And membership fees and enrollment fees ?
Is someone nuts ?
I have a dozen cards and would NEVER go with anyone who charged an annual or enrollment fee .
Keep shopping for another card . . .
>>>>>>>>>>>>>>>>>>>>>>>>> |
|
luciousgreeneyedlady
 |
wow, 23.90% is high! so is $69 membership fee and enrollment fee! And $1,000 limit is awful! |
|
Brian G
 |
If you've declared bankruptcy, had several repo's, and defaulted on all your other credit cards and loans you've ever had, it's an excellent deal for you. Otherwise, forget it, it's a lousy deal all around. |
|
Denise
|
I would run from that offer!!!! Sounds like a LOAN SHARK!! |
|
saya
 |
honestly, I would say no.
23.90 apr is pretty high and as a general rule I stay away from cards with annual fees, not to mention enrollment fees.
As a college student with a low income I would say you might want to skip it. It's inevitable that at some point you'll only be able to pay the minimum payment on it each month, and at 23.90apr, it'll take you foever to pay it off. You'll end up paying 4x or more than the items you used the card to purchase.
wait it out, more deals will come your way and they'll get better and better as time goes on. |
|
Dave R
 |
If you're a college student then you probably have a very limited income. If you have a very limited income you shouldn't have *any* credit card. It's way too common for people to quickly drown in credit card debt because they spend beyond their means.
Also, a yearly fee that high with nothing to offer is a bad deal.
Give the credit card a miss and wait until you're out of college and have a real job. |
|
Goodbye
|
That is not a good card, an APR that high AND an annual fee AND an enrollment fee? And if it's a Chase card, stay clear away! Their customer service people are hard to talk to and very rude. Keep shopping around.. |
|
mrsjanejetson
|
My best answer is no credit card for a college student is good. why do you need a credit card? if you answer, bars, music, pizza gas for my car. you do not need a credit card. It took me 10 years after getting out of school to pay off the debt i piled up while in school (not counting student loans)
Rule of thumb- until I can afford to pay off the card in full every month. I do not need a card. |
|
SPIFIMAN1
|
Only if you need it to build your credit and are planning on paying if off in full every month so you can avoid that outrageous interest.
If this is you plan, use it for every day things like food and gas and never exceed 30% of your credit limit in any given month and be sure to pay it off before the due date. |
|
heybulldog
|
stay away from credit cards completely. credit cards are just a tool to make banks wealthy and people like you and I broke, and it works!
check out daveramsey.com and listen to his radio show. lots of good advice on credit card debt and money. |
|
nina
|
No, that APR is way to high and the annual fee is a rip off. If you have a good credit score then you are eligible to a way better deal with no fee. Do you have good credit? |
|
b m
 |
Is this a joke? That is a horrible deal! I wouldn't advise ANYONE to have more than 1 credit card. Having one credit card can be useful, but if you need money, you should really get a student loan instead of getting another credit card. |
|
Andie
 |
It depends on your credit score, history and behavior score that internal credit card company ranks. Not everyone has low interest rate. That is a perception of most consumer thinking they should get a low interest rate. Some financial adviser also suggested calling credit card company to lower the rate, sometimes it works, sometimes it doesn't because bases on so many factors before they low the rate. I do this every day, I know. When the credit card company requires a annual fee because:
1- You have no credit history.
2- You debt/income ratio is not sufficient enough
3- Your credit score is low
4- The behavior score (internal) bases on how well you manage your finance. May be yours is not up to par.
If you have the card that you have to pay to use, it calls secured card or partial secured. Some people need to build their credit are willing to pay for the secured card. You'll get your money back after 6 months of proving your payment history. |
|
KK
 |
If you have to ask, you clearly don't know enough about credit to even have a card. |
|
Ravensblood Blazestar
|
I only get credit cards that don't have annual fees, and I always look for under 20% APR.
The credit limit is pretty small for that kind of a APR and fee...
I just had an offer in the mail for a 7,000 limit and it was around the same APR and fees...
If you're really in the market for a credit card, try your back. Whomever you bank with can offer you a better credit card than that.
I bank through Bank of America and I use their credit card, they're very reasonable. I haven't had too many problems except for the fact I don't know when to stop using it sometimes. xD
-Tim |
|
AE N
 |
If you are asking this question, you better start using only cash. |
|
BioProf
|
absolutely not. The apr alone would give that one away and then add on the enrollment fee. And its not a platinum card with a 1 k limit. As the industry defines platinum it must have a 10 k + limit. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
19 | 2 minutes(s) ago
| | | |
19 | 32 minutes(s) ago
| | | |
19 | 33 minutes(s) ago
| | | |
19 | 53 minutes(s) ago
| | | |
19 | 3 hour(s) ago
| | | |
19 | 6 hour(s) ago
| | | |
19 | 10 hour(s) ago
| | | |
19 | 11 hour(s) ago
| | | |
19 | 2 day(s) ago
| | | |
19 | 2 week(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
