 How long can creditors go after you for an unpaid debt? |
| My boyfriend got a letter from credit card that he owed money from 8 or 9 years ago. I have the same credit card, and I am worried if we were to join finances like we talked about that the company ... |
|
 Question about credit cards...please read!!? |
| My husband and I were in a lot of credit card debt, about 11,000 dollars. We recently acquired some money and are able to pay off all of our credit card debt. We have three cards; my husband wants ... |
|
 How far can a collection agency go to collect a debt? |
I lost all , have no assets, and am being sued by collection agencies. No job and on disability. can they attach my account ??
Additional Details
no house,job,assets, on disability. debt ... |
|
 Keep 'em open or close them? |
| I got into some financial trouble in 2002, and ended up declaring bankruptcy in 2004. Ever since then I've tried to manage my debts carefully, build up my credit (it's at about 660-670 now)... |
|
 Does any one know if getting a "pre-approved" credit card is noted as an inquiry on your credit report? |
| I keep receiving promotions for "pre-approved" credits cards and I don't want to open a new credit card if it is going to show an inquiry. To my knowledge(which is limited in this ... |
|
| A Dumb Paypal/Ebay Question? |
| This is a dumb question, but lets say I win an item by bidding online on Ebay. I'm ready to pay the person via Paypal. when I send the money through Paypal, do I include the shipping cost in ... |
|
 How do you straighten up your credit? |
| How do you boost your credit score?... |
|
 Hi i was just wondering can someone get a credit card even thow they dont have credit.? |
| hi my friend was asking me if she can get a credit card but she doesnt have credit she has never used anything in her name but she wants a credit card to buy things.... |
|
 What is the next step to take when you try to settle a debt with a collection agency and they do not respond? |
| I have a phone bill with BellSouth of TN that is in collections with CBCS. The bill is from 2002 and showed up on my credit report in 2005. I sent CBCS a settlement letter offering 25% of what I owed.... |
|
 Can you increase your limit to spend in a credit card if you pay money to it? |
| My credit limit is £2000 but I need to do a single payment of £4050. Is it possible to pay £2050 to my credit card to increase the money available to spend up to £4050? My current balance is £0 ... |
|
 Will my credit get fixed if my ex files for bankrupcy? |
| My ex used up all of his credit card worth 47K. I was an approved user of his accounts but never even swiped my card on a purchase. If he filed for bankrupcy, will my credit be fixed as well? I know ... |
|
 How young do you have to be to have a credit card? |
| i'm wondering if there is like a program you can sign up for so kids under a certan age can have a credit card or something, because I've heard about kids using their parent's credit ... |
|
 How long does a chapter 7 bankruptcy stay on your credit report? |
| I filed for bankruptcy at the end of 2001 and it was charged off in 2002. I thought that bankrupycies last on your credit for 7 years and now I've heard 10. Does anyone know the true answer ... |
|
 How can I check my credit score? |
| Is there a website that I can see my credit score for free? Also,Someone told me that my score l will lower everytime I look at it... is that true?... |
|
 Late mortgage payment by 1 day?? please help? |
| I made a payment on the 28th psat business hours and the 30th fell on a sunday. So the payment did not post until the 1st which would make it a 30 day late payment. even though it was paid 2 days ... |
|
 How do apartment people know your rental history? |
| How do they know without you telling them? Or do they even know?... |
|
|  |
j7sugar | Need help applying for a credit card? |
I am a college student and am considering getting my first credit card now. Is there any way to guarantee a credit approval?
I get financial aid paying for my college tuition. I work part-time and earn cash. How much should I fill in the annual income so it would not affect my financial aid but get the credit approval? (one card that I applied before requires a 15,000 annual income. But i can't possibly put in 15,000 as my income because that's false information. Do you always have to be honest in the application?) |
 |
 
ShoNuff
|
thanks to deregulation, you have nothing to worry about! If you are still concerned, be honest with the lender and accept a lower credit allowance. |
|
Cameron S
|
You don't have to do anything honestly technically.
But if you lie and they find out (WHICH THEY ABSOLUTELY WILL!), they will slaughter your credit score. :( |
|
bud68
 |
There is no way to guarantee approval. And falsifying will guarantee trouble down the line. |
|
asusan48
 |
BE CAREFUL! Credit card companies are known for preying on college students for the simple reason that they know students don't make much money, and are likely to run up large credit card bills and be unable to pay them off every month - thus guaranteeing the credit card company will make MEGA bucks off you in interest every year as you struggle to pay the debt off.
And YES you need to be honest on the application. The days of lying about your job, income, etc. are over. They check. They pull your credit report and if your job is not listed there, they may call the place you said that you work to check if you're employed and if your stated income was accurate.
If you don't have the income to support a credit card right now, don't get it. Trust me, in the long run, you will be very sorry you did. Wait until you have more solid income and will be able to afford to pay off whatever you buy on the credit card every month. |
|
slaarwalhz
|
OK So I got accepted for my first credit card through my bank. If you have a bank account, get a credit card from them, because they are more willing to accept you. And they know your income. I had like 5,000 a year income and got a credit card for 600. When I spent that and paid it off they made it 1200. So I suggest for your first card is through your bank. Because you will most likely get declined from stores credit cards. I get denied from them ALL , Macys, old navy, target, etc. Declined becuase "insufficient credit history". So to build credit, research your bank. Good Luck! |
|
Google
 |
You can better look at this site for getting credit cards.
http://credit--card.tk/
It give some affordable links. It will help you a lot as it helped me... |
|
Meow Mix
|
Try http://www.creditcards.com/
They have a section specially for students and you can apply online, and choose your perks! ^_^ |
|
Tim
 |
Fill out the application honestly. You'll need income and a good credit score to start. |
|
lemoneyez
|
you don't have to be 100% honest on these credit card applications. you should be truthful in your name, ss#, dob (date of birth) and such but not on the income portion of it. they may ask you what the household income is, not your income. when i first started applying for credit cards in college, i just put my approximate household income...my dad, mom, me and siblings combined. they don't check and also this has NOTHING to do with your financial aid. you will most likely only get approved for $500.00 or so depending on your credit score. if you don't have any credit, you will either get denied or get a lower credit limit. nothing serious, but don't spend too much on it and focus on trying to pay off the balance as soon as possible and stay under 50% of total credit limit. that will help you build good credit. and most importantly, PAY ON TIME! |
|
James G
|
Yes you need to be completely honest while filling out the app. The reason for this isn't just for the credit card companies benefit it is for your protection as well. While having a credit card can be a boon it can also lead to your ultimate destruction, much like walking down the dark path a long long time ago in a galaxy far, far away.
In your situation the best place to fill out an application would be at your local credit union. The people there should have your best interest at heart and should be able to answer any other questions that you may have.
If you are feeling inpatient you can check out http://www.creditcardguide.com/ you can in the left pain select your credit situation and find a card that's right for you.
Good Luck |
|
DJnCSprings
|
Watch the movie "MaxedOUT" on youtube and it will answer all your questions! |
|
Lovesick Angel
 |
you should, but not really, they'll literally give anybody a credit card |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
12 | 16 minutes(s) ago
| | | |
13 | 28 minutes(s) ago
| | | |
12 | 30 minutes(s) ago
| | | |
12 | 2 hour(s) ago
| | | |
12 | 7 hour(s) ago
| | | |
12 | 11 hour(s) ago
| | | |
12 | 2 day(s) ago
| | | |
12 | 2 week(s) ago
| | | |
12 | 3 week(s) ago
| | | |
12 | 2 month(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
