 College Student Needing Serious Credit Card Debt Help? |
| I have about 3,000$ in credit card debt and I am a student in college and I cannot pay off all of this while working very little in college. I can't get any loans either even with my parents ... |
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 Help!!! I have a question about what I should do regarding a credit card payment.? |
I have a credit card that I am already a month behind on. Next week the minimum payment will be two months late, but in two weeks I will be able to pay off the entire balance, which I plan to do.
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 I have way too many dept store credit cards that i havent even used should i cancel them? |
| they are like Kays Zales Ebay Paypal card? i never will use them cause i have others but someone told me cancelling them was bad. ihave about 10 credit cards and i want to just close some will it ... |
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 Parents using a credit card issued under my own name? |
| Apparently, I get credit card offers coming to my house address even though i go to college outside of my state. My parents have basically forged my signature and created several credit cards under ... |
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| i stupidly co signed for a loan with my ex five years ago. I recently found out that my ex has not paid this loan for a year! instead the bank decide to go into my account and take out some money for ... |
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 Why won't they give me a chance? |
| I need a credit card for college, but I get turned down. I got my credit report, and there is no blemishes on it. Actually, there's not much on it at all. I also don't have the $200.00 to &... |
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 Cash Loans.? |
| Where can i get a cash loan, I have really bad credit and everywhere i have tryed are turning me down tryed prov personal credit and many others, At the mo i would even consider a loan shark, any ... |
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 How can I rent a car WITHOUT a credit card? 10 Points awaits the best answer!? |
I need to hire a motor on the 7 th August. Any ideas?
I only have debit card..
Thanks in advance
Additional Details
Sorry am in the UK!... |
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 Asked to cosign a loan.? |
| A family member has asked me to cosign a loan to pay the IRS. If they default, when will I be notified? Will I have to pay it all at once or can I continue to make monthly payments. If they miss a ... |
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 Serious, honest answers only? |
| If I were to finance a $15,000 auto loan with a term of 66mths now will that hurt my credit in, say, 3 years when I try to get a home loan?? What am I saying is is will the lending institution look ... |
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 Building credit? |
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 Building credit...What is the best way to pay for credit card purchases ?? |
1) Should I make small purchases lets say 100$ a month and
pay it off in full upon billing ?
2) pay full balance before i recieve my bill ?
3) make the minimum payment only ?... |
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 Buy a giftcard, with a giftcard? |
| i know i am receiving a walmart giftcard from my aunt. And i do not want anything from walmart. So i was wondering if it would be possible for me to use my walmart giftcard to buy an all access Visa ... |
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| i borrowed a total of $4.5K over nov'06 and dec'06. i kept asking for the money to be returned, and was given all sorts of execues and now..this friend is uncontactable or have been ... |
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Kayle xxx | Is it a good idea to get my first credit card to get myself a good credit rating? |
I'm twenty and have never had credit. I'm very sensible with my money and have a steady full-time job. What do you think?
Additional Details
If I were to max out the card and pay a good amount back every month would that be ok? |
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JonBonJovi
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Don't get a credit card. |
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Emma
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yea it is a good idea to build up your credit rating, only as long as you pay it off each month in full, otherwise you'll get yourself in debt and thats not good. |
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Steven C
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if you treat it well and always pay the bill bang on time you will get a better rating might not be enough to qualify you for a mortgage but it will go in you favour if you go about it well |
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bigfootmaxwell
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good idea is to have one , use it and pay the balance off in full every month and DONT BE LATE with your payments |
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kfuller19
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yes it is ggod to have a credit card to help your credit rating. Only if you use it and pay it off every month. do not let any balance go to the next month and it will rise over time |
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saintee
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Yes, this is a most sensible idea. Remember of course, just use the card once - pay it off at the end of the month and you have a good credit rating. Please also remember to ensure that you are registered on the Electoral Register for your local area as this will also assist you in your crfedit rating!! |
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alatoruk
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yes to the first bit
no to the 2nd bit
what matters is that you make payments, so if I was you I would get one and then put something on it you normally pay cash for (like petrol, or shopping) - save that money and use it to pay it off in full every month. that way you dont get charged any interest but do get a credit history because you have made payments.
I did it with a guaranteed card 1 year after my bankruptcy. After 9 months it had given me a credit history that allowed me to get another with a decent credit limit, so I know it works |
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kita_marie05
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The best thing to do is to use it as a gas card and as soon as you receive a bill pay it off. That it's what I started doing last year along with my car loan that my parents co-signed, and I now have great credit. Banks like to see revolving credit that has never been paid late. If you are a student you can receive a CC that has no interest rate just for college students. |
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heybulldog
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Fico ( I Love Debt) score worship is not a good idea.
Stay away from credit cards. They make all the rules and change the rules anytime they want too.
Banks spend millions brainwashing people into thinking they need credit cards and a High I Love Debt score to make it in todays world. Bull. Pay as you go. You'll come out ahead. |
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sheeba713
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What you need to do to build up your credit score, is apply for one (1) credit card. Charge no more than $100 a month for a year, but pay your monthly credit card bill in full each month. Also go to your local bank and apply for a $1,000 personal loan for a one year term. Put this $1,000 into another bank by opening a savings account and pay the $1,000 back to the bank within 2 to 3 months. You will find by paying your credit card and bank loans in full every month, your credit rating will increase. It is a good ideal to have your own credit card, but limit it to one card. For every card you apply for, you are only asking for more credit card debt. Stay away from that. Good luck. |
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gordonmother
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It is, if you can pay, all the debts on 30 days deadline, before they charge you interest, or go for interest free credit cards. |
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GTW
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the best way to start credit is to get a small pesonal loan or a credit card with a small limit and use it for you small purchases but pay it off at the end of the month this is one of the fastest ways to get your credit up, check out www.fastcreditcardapprovals.com here they have the right card for people with good, bad or no credit, they let you compare side by side which helps you see and shop better for you credit card of course the better credit you get the better card you qualify for, so once your credit score is up you need to get a better credit card do not stick with the same one because begginer credit cards allways have higher interest and fees. Good luck. |
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Ron L
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It's better to never borrow money for anything, except possibly for a house. Then, it doesn't matter what your credit rating is because you never have to borrow money.
That said, if you pay it off every month, you are ok. Also, have some money in savings in case of an emergency so you don't rely on the credit card if your car breaks down and you need extra money or you get laid off or something. You sound like a responsible person, so you should be ok.
Best wishes. |
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Gina M
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go for it, it will improve your credit rating but once you receive the card chop it up so your not tempted, thats what i did, works like a charm lol |
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