 If we didnt have CREDIT we would never survive on our salaries so why is everything so expensive that we have? |
to have credit to afford them.
Additional Details
I DONT HAVE A CREDIT CARD OR ANY CREDIT I BUY WHAT I CAN AFFORD WITH CASH AND GO WITHOUT TILL THE END OF THE MONTH IF NEED BE... |
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 Credit card APR? |
| Is 17.9% to 19% APR bad for a Hess Gas card. We are trying to better our credit as much as possiable.. If we buy gas every month and pay it off in full will the APR even matter??... |
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 How do you get ONE free credit report without signing up for a trial of anything? |
| I keep seeing offers for free credit reports. But you always have to signup for a month of service that will continue in perpetuity unless you go to them and tell them to cancel. Is there a way you ... |
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 How can I get a debtor to stop calling? |
| My son recently had emergency surgery and the medical bills are absolutely enormous (in excess of $86000 AFTER insurance pay outs). The hospital has hounded me for several months now, and I have ... |
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 Why does Capital One offer this? |
Capital One sent me an offer for a pre-approved Preferred Plus Platinum MC with a credit line of up to $5000.
But I already have a MC with Capital One and had one for the past two years. <... |
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 I'm looking to get a credit card to help build up my credit. Which card should I get? |
I want one with no annual fee. A rewards program of some sort would be nice, but not a necessity. I already have a Capital One card that I use. What else is a good one?
Additional Details<... |
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 Is your credit score lowered when you cancel a credit card? |
| My daughter is in college and opened a low interest Citibank VISA for college students not realizing that the interest rate went up very high after 6 months. We are making more than minimum payments ... |
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 Has anyone used a payday loan company? |
| Are payday loan companies you find online reputable? If you have used one, had a good or bad experience, please let me know?... |
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 I have a very poor credit rating. How do I change this? |
| I am 37 years old, African-American, gainfully employed in D.C., have lived, worked and studied abroad. I have a Bachelor's in French. I also have 60,000 dollars worth of student loans to pay ... |
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 I am adding my wife as an authorized user on my credit card. Will this affect my great credit score? |
| I have great credit. It is above 720. I always pay everything on time. I have a mortgage and no credit card debt, no school loans, and I am about to pay off my car loan. My wife has bad credit. I... |
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 Debit Card question? |
| 1.when a Current Account card is given through the post by Bank you signed on to, is this card the same thing as a 'Debit Card'?... |
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| Does checking your credit score on FREECREDITREPORT.com lower your credit score? |
| I heard from friends that it does and I just wondered. And also what happens if you miss ONE credit card payment??? Please only intelligent answers, this is important.... |
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 Anyone out there frustrated about their credit rating? |
| Heres the deal: Im 20 years old, I have had credit history for about 3 years I have done excellent with making my payments and also paying off my credit, however I only have an Average rating and Its ... |
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 How do u get a credit rating if u cant get credit? |
| e.g an 18 year old. living at home, therefore no bills ... |
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 Credit cards? |
I'm so confused. I"m getting to the age where the option of having a credit card is drawing near.
I've been looking at different cards, but I can't seem to make heads ... |
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 Can i use my ATM card to make online purchases? |
| Can i use my ATM card to make online purchases? My bank is Commerce bank.. now changed its name to TD bank. But, am i able to? On the card, it says ATM and it doesn't seem to have an expiration ... |
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jaffasnake2345 | My 12 year old son wants a kids credit card any good places you can recomend? |
He wants a proper card that he can use and not a pass book, he wants a good interest rate if thats possible. |
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TruBlu75
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I recommend not getting your kid a credit card. |
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Reality Check
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"He wants a proper card"
"He wants a good interest rate"
Do you honestly hear yourself? Do you really think a 12 year old understands anything about card terms, interest rates, and can distinguish what is good and what is bad.
Seriously.... |
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Dan
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if you're giving a 12 year old kid any kind of credit card, you need to consult a therapist, not a bank. And by the way, no credit card would even be enforceable against someone that young. I hope this is a goofy stunt. |
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rtfm
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There's no such thing as a "kid's credit card", at least not in the US. Getting credit from a bank is a legal obligation, and you must be old enough for the contract you sign to be legally enforceable.
At some banks, if he has a savings account, he can get a "cash card" or "bank card" that will allow him to withdraw his savings at an ATM, but there will be no line of credit extended and he won't be able to use it in stores. |
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DAS
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If you can get one for them you will still be responsible for tha.t debt, as the other person answer, you can load money on a pre-paid card. Or you can open up another card, and give them a card with there name on it, and only a certain spending limit. Just check with your local bank |
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heybulldog
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That's sad. Why don't you teach him how to handle money?
Responsible people don't play the credit card game.
Credit cards, along with the fico score was designed by banks to get people into debt and keep them in debt. Neither one is good for anything else.
Look thru these forums for a few days and see all the people that played the credit card game and are losing. Paying thousands of dollars a yr in interest and late fees.
Teach Him to pay as he goes.
Live on less money than he makes.
If he does this he will have money and not have to obsess with the fico socre. |
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Brandon M
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Well everyone else is correct. Your kid cannot get a credit card on his own. The options available to you are many. First, you could do as everyone else on here is telling you to do and get an "ATM CARD" or VISA BUXX, but those are almost the same thing as a pass book. I would suggest if your credit hostpry permits to open a credit card in your name and add your son as an authorized user this way he builds a credit history and you can go over the bill with him and financially educate him. |
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Ken R
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Minors are not allowed to enter into legal binding contracts with anyone. I've never heard of a kid's credit card. Perhaps you may look into one of those pre-paid credit cards which are actually debit cards. |
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divalane25
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Get him a visa buxx card I got one for my little brother when he was about 15 or so and he still uses it now at 18 (along with his other cards). You load it just like you would a gift card and can control and monitor the spending. Family members can put money in his account as well. There's no interest rate and the money is insured just like a normal credit card just in case he looses it. You can choose the bank that's best for you and he can make withdrawls and such like a bank card. It's a great learning tool with all the features like on-line banking and such and really prepared my brother for his first actual creditcard that he got right after he turned 18. check them out |
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John S.
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If he's 12 years old, he's not going to be qualified for a credit card. You can get him a prepaid credit card. It looks and works just like a credit card. The Upside Visa Prepaid card is the perfect solution for you. It's a reloadable prepaid credit card for teens and managed by parants. You can apply for one and deposit money into this card. Your son can then take this card and use it to buy anything up to the deposit you put. It's an excellent alternative for teens who wish to have a credit card. |
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Amber
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Citizen's bank thts where i got one for my daughter who is now 12. |
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