 HELP! I'm in $15,000 in debt? What should I do? |
| I'm in $15,000 in credit card debt ( mostly from putting my college bills on there and spending carelessly) What is the fastest way to pay it off? Should i take out a loan? should i go to credit ... |
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 How can a single person ever make or save enough to buy a home? |
| how do people make it in the world today,it seems to pay your basics is quite an ... |
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 What is the best way to handle a credit card I don't intend to use? |
| When I made a large purchase at a department store, I applied for their card in order to get the discount they offered. But I have no intent to ever use the card. Should I officially close the ... |
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 Can a department store, K Mart, refuse to accept payment in cash and demand that Sears credit card be used? |
| My purchase was @29.99, tendered a $20.00 Reward Certificate good at any Sears or K Mart. They accepted the certificate and refused to take cash for the difference, insisted it must be charged to the ... |
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 Credit card payment, which card do I pay? |
| I owe 4K on one card and 20K on another. I can payoff the 4K card now and pay a small amount on the 20K. Does it make sense to do that or evenly split the payment? What will help me with my credit ... |
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 Very bad credit rating? |
| my friend wants to get a mortage but has bad credit, shes pays her money to a debt management company which then pay of her creditors a certain amount each month would she be able to get a mortage ... |
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 Does how many credit cards I have affect my overall credit score? I.e. more cards = lower score? |
| Does how many credit cards I have affect my overall credit score? I.e. the more credit cards I get, the lower my score goes? I have 4 now, and thinking about getting a 5th, but I'm not really ... |
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 Can a 14 year old get a loan? |
| I am 14 and I want to get a loan for $3000 for a 4 wheeler.... I can pay it off in 2 years.. I don't work..... |
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 HElp!!!with something i bough on ebay!!? |
| ok so i bought a thing on e-bay nut at one point i decided to read all the description and i found out that it wasen't exactly what i wanted but i had already click on buy now and i want to know ... |
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 Can my 20 yr old son buy a car without me as a co-signer? |
| He has worked at Walmart for a year and has a down payment. He drives a junk truck to work every day and needs to buy a car soon. I can co sign, but would rather he do the purchasing on his own. He ... |
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 Why are you crazy people so terrified of credit cards? |
Every answer in credit seems to say credit cards are bad.
They can be used to get interest free money, to earn points, to defer payment so money remains invested, to improve security (sect 75 ... |
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 I need some financial help big time? |
| My checking account is overdrawn and I am behind on everything. I know that if I could just get caught up I could get back on my budget and start getting things paid off. Any suggestions.... |
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 I need a loan? |
| whats up. i want this truck right. it's 10,000 plus ttl. will 1500 be a sufficient down payment??... |
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 Is it legal for a credit card to deny you higher limit but charge you when you go over? |
| I pay off my credit card bill every month and usually spend right up to the limit- I called to ask for an increase and they denied me, but they didn't decline my card when I went over and then ... |
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 Please help me I am in so much trouble and there is no way out!? |
| Please help me I am in so much trouble and there is no way out. I need money to get out of this trouble but I have no job, and I cant get a job because the renewal on my drivers liscense is denied, ... |
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 Why do people get mad when I ask for an ID for their debit cards? |
| I work at a fast food restaurant, and we accept debit and credit cards. Whenever I ask for ID and someone is paying with a debit card, they get mad and say "Well,it's a debit card,why do I ... |
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Tim | Looking for a well earned 10 points? |
I have a retail card at geeks.com, buy.com, and amazon.com. I tried to get one at macys, jcpennys, sears and best buy but i was unable to. I have come to the conclusion that i have average credit. What other websites can i go on to get retail store credit cards with about average credit. I heard that store cards are a rip off but i can afford to pay for them. 10 points to the best answer in 24 hrs. |
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bostonianinmo
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How are you coming to the conclusion that you have average credit? Four places have turned you down. That's hardly average! You are being denied because your credit is well below average, especially given the ones that turned you down.
Each time you get another credit card, your credit score drops. Each time you apply for another one, your score drops.
Most financial advisors recommend that you carrry two general use credit cards (Visa, MC or Discover) and no more than one oil company and one retail store card IF you are a regular customer. Anything more than that is going to hurt your credit rating even more. |
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what?
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If you're getting denied for store cards, you probably don't have "average credit." Average credit is very good (above 700 on the FICO scale) and getting declined for store cards is indicative of a score of less than 600, and although that score may be in the middle of the range, it is nowhere near "average." If you're looking to just build credit with these cards, try a secured credit card, instead.
Anyway, though, you should probably check your credit report and score. Try http://www.fico.org for more info and http://www.myfico.com to get the credit report and score report. |
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papricka w
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You don't pay to have store credit cards, is that what you meant? If all the stores turned you down for their credit cards it probably means you have bad credit. You may have too many credit cards right now. Try cancelling (by letter) some of your credit cards, you may be overextended on your credit rather than bad credit. After you cancel some of your cards try again at one of the department stores. Good luck with it. |
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??xx??
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multiply credit cards is a sure way of messing up your credit....if your getting multiplys so you can build your credit you're going about it the wrong way.....stick with what you have and be consistant with payments and pay cash for everything else...cos if you don't have the money now what makes you think you will when the bill comes in |
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answermonkey
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If you have Amazon.com and Buy.com cards, you have fullblowwn credit cards issued by BankOne/Chase, since those merchants issue just this specific type of credit.
Generally any time I had luck with Chase credit cards, it was worth trying to apply for its major competitor, Providian. The ones you can try are PayPal Visa Card (by Providian) or Washington Mutual MasterCard (by Washington Mutual, which is currently Providian as well).
They rely on the same data, and if they see a competitor happily supplying you with the credit, they will try to catch up as well.
CapitalOne is another one, but their rewards programs are not that good, unless you fly a lot and like generating miles for their selection of the airlines. |
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Monika Lewinskeeze
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You heard they are a rip off, and still you insist on having one? And why do you need so many credit cards if you have the money to pay for them? Stop the insanity! |
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dimpleguymatt
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there are plenty of cards that a much better, and since you can pay it off look for reward credit cards not sotre credit cards. store cards for for people with little credit, since they give them to almost anyone. also if you have too many cards, banks will not want to give you more credit since they will think you already have too much |
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Italian Stallion
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freecreditreport.com. You might want to see your credit report first. |
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ReikiKev
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Really, the best thing you can do it tear up those credit cards. Once they are paid off, then you can get a good credit card like Visa or Mastercard that you can use everywhere. |
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bluerosebud1976
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he is right about checking your credit. try wal-mart or target they are always asking at the register. sounds like a good place to start. But make sure you pay them off monthly. credit cards are not good for anybody. |
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Ahdunno
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You looking for status Huh
get american express platimum
if you unable to earn big money don'y expect to get all the cards
truth hurts, this is best answer you gonna get though |
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♥o_wise1♥
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Research a place that reports to all credit places. Once you start a good credit history with this type of credit reports, then your credit report will slowly but surely increase. If you continue to have people check your credit, ie: credit purchaces through retailers, then your credit report shows that people keep
checking your credit report, and its bad news my friend. If your credit report is frequently visited then it shows on your credit report, and actually makes your score go down!! Believe it or not. Pay off all of your current debt with these retailers. Do not take out anymore accounts, and don't have anyone check your report. After you pay of these accounts, then they report that to credit places, and then you are on your way to getting your credit score up to par. Those retail places have really high interest rates, I would suggest paying them off sooner than later. Good luck my friend! |
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ThereseRose
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I have never found it to be any good to have too many credit cards. I have one major credit card that I can use anywhere. I make sure that my payments are always on time and I keep my balance low because that is what affects your credit score. These other stores look at your credit report so they probably know how many you already have and don't want to give you their's for fear you won't pay them. I'd get rid of all but one major one if I were you. |
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cutienoz
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Dont go for your top line department stores.. start off at Sears and work your way UP... Also,, although depending on your views.. LIE... All the credit card companies are going to do is pull a credit bureau on you & go off what you put on the application... Soooo,,,, claim that you own your home,,, put down 5 years as job time,, and of course you have a savings & checking and boost your income by at least $500 a month---MAKE yourself look attractive to a credit analyist... After all--- they are only going to pull your credit bureau & go off what you put down---they very rarely verify job/residence or income... I guarantee you -- you will get all the credit you desire.... |
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MistysFrosted
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Even if you have the money, you shouldn't be wasting it on silly things like that. They are often a ripoff because they often charge you for owning the credit card that month, even if you haven't put any charges on the account. Additionally, if you fail to pay for whatever reason, they charge astronomically high rates. In other cases, you have to pay to originally start using the card and then get your "rewards" like coupons for 10% or something similar, in which case, you will be forced to buy something initially to even receive your supposed "benefit". Try finding a singular credit card and paying that off regularly, and maybe your credit will actually improve and won't be a setback when you try to apply for a loan, a new car, a residence, etc. |
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Maimee
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I have really bad credit and target issued me a store card with a $500 balance. I don't think store cards are rip offs. My target card has less interest than my credit card. That is because the store knows you can only use the card at their store. |
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DIRT MCGIRT
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Maybe your credit has been red flagged for some reason, probably because you are applying for all these lines of credit. Anyone should be able to get a store card. And, yes, they are a rip off. Usually 20+ % interest. |
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biddiebeebee
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Just buy gift cards and use them like credit cards |
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Johnny D
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each time you apply for a card, whether you're approved or not, your credit score drops. if you received the other 3 cards recently, your credit score may now be too low. |
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shanan
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? no idea |
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