 Want to start building some good credit.? |
| What are some good credit cards for people wit no credit? and want to establish some credit.... |
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 Did they just ruin my credit rating? |
I only had a credit card for about two months. I've been using it very responisibly, trying to build a good credit score.
Two weeks ago, I went out and bought a new used car, with my ... |
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 Question about ordering online? |
| i was just wondering how safe it is to order online. i'm kind of paranoid about giving my personal info such as credit cards and what not , are there any other ways i can do this? unfortunately ... |
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 Would canceling my credit card be wise if....? |
| I still have a balance on it. I've learned the hard way that credit cards aren't very nice. I want to pay it off as soon as I can but would canceling them now before the balance is paid off ... |
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 How can I...(credit card/debit card question) |
| How can I resive instant payments on my debit card, for someone else credit or debit card for my online bizz without pay pal?... |
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| Morrisons Receipt...? |
| Hi I stayed at a hotel last night, and I accidently left a till receipt in the hotel room & checked out. The room wasnt booked in my name. The receipt had my card number as I made some ... |
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 Why do people charge up more credit card debit than they can pay? |
Not people who get in a bind and have to use credit to survive for a while, but people who just buy material stuff that they really don't need.
Additional Details
I don't do ... |
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 Does credit denial cause your score to drop? |
| I was needing to know if you apply for a credit card and you're denined, does that make your credit score drop. And if it does how many points will it drop?... |
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 How does a 28yr old with no credit history start establishing a credit history. Applied for 2 cards & denied!? |
| Applied for two low end cards and was denied. Will someone give me a chance? Don't really want to get a "secured" card.... |
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 I have a lot of credit card debt close to $50000 from my business. What are some ways to clean this up? |
| My business is still in the growth stage but we have racked up debt close to $50000 that is sitting on my personal credit cards. Should I transfer that debt to a large credit line under my company ... |
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 What might this do to my credit score? |
| I have a card that is paid off and compared to my other cards, it's limit pales in comparison. I want to close it. However it is one of two oldest accounts. The oldest account has a limit 4X ... |
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 Discover Credit Card? |
What are some of the benefits of having a Discover card?
Anyone have any experience having one?
PROS/ CONS?
... |
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 Credit Report Question? |
How long does the following information needs to stay on the report?
* Accounts that are paid for as agreed
* Charge off ... |
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 How old do you have to be to have a credit card? |
the title is self explanatory
Additional Details
can my mom get me one?... |
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 Visa Mastercard....or any credit card? |
If I buy some shoes and they dont accept paypal but only major credit cards.......where will the payment be deposited??
Will it be deposited into their checking account or something?... |
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 Credit Card Fraud question.? |
| My child's father used our son's soc sec number to get a credit card. Who should I tell & what will happen to my son's father?... |
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Essie | My first credit card - What cards are the best? |
What bank should I get my credit card from? What if you have no credit history yet? (I will hopefully be able to get a credit history...)
What should I look for? I've heard you can negotiate your APR rate.
Also, one part of me just wants a credit card for small purchases and to build enough credit history for a future home and so forth...but the other half of me is hoping to start a business and may need a card for b igger purchase (but not too big)
I am unsure...I may only need it for small purchases. I don't see myself spending too much money (Im only in college right now), but I definitely want to get off on the RIGHT FOOT.
Any advice or suggestions? Mistakes you've made that you would advise me to avoid? Any information or suggestions would be a big help. Thanks!! |
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Miss Know It All
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If you have a bank account I would start there.. if not set one up depending on where you are as to which bank is the best .. or just set up a savings account and then apply for their credit card.. kr
Good Luck! |
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Helper
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I recommend applying for a student credit card. They are just like regular credit cards except they are marketed for college students. The apr will be a bit high because you dont have any credit. I recommend you pay your balance in full then you don't have to worry about the apr. Pay your bills on time and you will build good credit. I recommend the Chase student flexible rewards card. |
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perfectlybaked
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APR won't matter much if your limit is low.
I know people say this all the time, but I'll try to say it with a little bit of a twist to it: be careful with the card.
For even those who are intent on being responsible, the action of swiping the card is so easy, and expenses pile up fast.
If you make sure you have a low limit, you won't be able to put too much on the card, by accident, intentionally, or otherwise. I got a card with a $10,500 limit, not intending to use it all, but just in case, and lemme tell you it all went by fast. At first you get shocked and think there is a mistake, but then you check your statement and sure enough, you can recall each expense. You then break out the calculator because something doesn't seem right, and sure enough, you confirm that the numbers are accurate. Keep in mind that taxes also raises the price of things pretty high.
When I had no credit, I applied for a credit card from stores, and they all rejected me. I finally got a co-signed Discover card with a $1000 limit. Did well with that! I almost maxed it. Got to about $900, and then paid it all off and closed the account. That made my credit score go sky-high, but now I'm almost $17,000 in debt, credit only. My score is pretty low, but I make all payments on time at least.
It's easy to spend it all and just think, "I'll pay it off eventually," but when you get so far in debt that you will never pay it off overnight, it's a burden constantly on your mind. Don't let it happen! I haven't met one person who hasn't gone through this. |
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?
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I would suggest that you consider the American Express Card. It has a number of good features for establishing credit. The first is that you must pay the bill in full every month. This gives you a strong repayment history. Next, if you pay the bill every month as required, there are no interest charges to pay. Next is athat the card does not have any strict limits imposed. If you start a business and need to purchase a 'big ricket item' you can do that also. And finally, knowing that you have to pay the bill every month makes you less likely to overcharge and over extend your ability to repay.
Clearly, not everyone will agree with me, but those are the reasons why I offer this suggestion. It will help you develop good money management practices and also build an excellent credit history and rating. Good luck. |
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JAzzY
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Capital one they are really good i have them and they will start you off with a $300 credit limited and if you pay on time every month they will increase your credit limit good luck
just a suggestion, |
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DebtFree
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best card is none. despite what tv and society says you do NOT need a credit card to survive on planet earth. |
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ga_kristy
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My advise would be not to get one. They are very tempting to use even when you think you will not. Then in a short time you can be over your head and paying back more money than its worth. You can very easier mess your credit up this way. It takes sooo long to fix it back to. You will need good credit for more important things later down the road, like a car, house etc. |
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Nancy
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My best advice is to not go there, especially if you're a college student.
Are you working or have some sort of income to make regular payments?
And if that's the case, why not just pay for what you need with money you actually have in the bank or on your person.
Many, many credit card companies lure college students in with promises of a low APR or some sort of kickback, just to get the business of young people just starting out, with fresh credit, so to speak.
If you absolutely must, be certain to read ALL of the teeny tiny print before you sign ANYTHING. Sometimes they will promise a low APR, but it turns out to be only a low APR for the first few months or so. Sometimes they sneak in an annual fee, just for the privilege of having a credit card. |
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david a
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you might want to go here to compare them http://www.bestcreditrates.net |
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ThatGuy!
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Don't get caught up with high fees.
Many places try to entice you with points or air miles which will do you know good if you hardly use your card.
Look for one with "no frills" or gimmicks.
I got one here at this site, many to pick from! |
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