 Is it possible for someone who isn't an American citizen to own a car? |
| i watched a commercial where you could pay a certain amount of money per month to purchase a car, does this apply to non-American citizen's.... |
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 Is my mother responsible for debt my father incurred, who has now past on? |
| We thought we had everything covered but just recently we got a call asking when my mom going to pay and how much. Good thing I was here, she told her nothing, but the women said she would call back F... |
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| Do your medical bills go on your credit history if they are sent out for collection? |
| i heard that medical bills could not be included and doesnt affect your credit rating. Is that true???? I pay my credit cards, mortgage and car on time every month, but I have alot of medical bills ... |
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 Good credit card with high limit for people with bad credit??? |
| i dont have good credit but i need a credit card with a limit of 1000 dollars perferably, whats a good card to get that will approve me for that limit????... |
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 I need a good credit card? |
| does anyone know aof an easy to get credit card? I have bad credit and have the orchard, and capital one cards. But their rates are high. Any suggestions? How about gas cards?... |
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 Who can I talk to about credit repair? I have a 675 score but am being denied for credit.? |
| I own 2 rentals and 1 house. Income is commision about $60,000. I also have about 6 small credit cards totalling about $6000. I want to transfer balances but have been denied. Should I cancel all the ... |
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 What is an easy credit card to get??? |
| I already have one through my bank, but I'm going to close it. I'm only 20 and as you all know its hard to establish credit. My Credit score is a 690.. which is fair, so why do people with ... |
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 Do Barclays really over-charge their customers ? |
| Is it just a problem with Barclays or do all banks do it ?... |
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 Bank incressed my overdraft by £500 without consent! What can I do? |
| I left my job in Dec had no money coming in for a little while the bank decided to up my overdraft limit. Which has now thrown me into debt as I now have a overdraft limit of nearly £1000 i get paid ... |
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 Is it worth getting a..............? |
| credit card. The reason i asked was because i want to buy a few things over the net but they only want credit card users. I have a debit card but this isn't much ... |
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 How do I tackle my credit card debt wisely and more efficiently?? |
I have 4 credits cards:
(1) - 3300
(2) - 1000
(3) - 500
(4) - 500
(Hospital Bills) - 600
I make 500.00 a week and I do not pay any rent -- only phone (40/mo),... |
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 Scared of using cash machine? |
i have a special under 16 debit card from natwest but scared to use a atm because i think people will stare at me, should i go for it or only go when no-one is around?
Additional Details
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 Am I responsible for my husbands credit cards if they are not in my name? |
| Am I responsible for my husbands credit cards if they are not in my name? I just discovered that he is $23,000 in credit card debit. He didn't tell me, I found the bills hidden in his desk ... |
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 I was issued a judgement for credit card debt. Can they take money from my bank account if its shared.? |
| I was told today by the credit card company attorney that they could take money from my bank account i recieve child support by direct deposit, and that is my sole source of income . Can they do that ... |
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 How do i get approved for credit? |
| Im trying to build up my credit history but ive tried about 5 credit card and non approved me. i even tried a credit card that says it will approve credit for people with "Fair Credit". im 1... |
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lookinout | Question about credit...? |
I have really bad credit with a score of 539. I made a lot of mistakes when I was 18, I am now 25 and don't need you to lecture me. My question is... I just got approved for a Continental Mastercard, which has some kind of high one time fees, but if I accept this and keep it current, will this help my credit score? |
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likepepsi
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They have plenty of fees, and some are not "one time" fees!
I did some research and found that many people have been unhappy with this card. It is a MasterCard for people with bad credit. It charges high fees - $99 setup fee, $89 program participation fee, $49 annual fee and $10 PER MONTH account maintenance fee. Before you even get the card, you'll owe them $247 in fees! If you're like the other people I read about, you'll get a $300 credit limit, meaning when you first get your card you'll have $53 in available credit. That's ridiculous.
What's more, they charge you $4 to pay your bill online, and people who have paid by mail claim the company didn't apply their payment until after the due date, and then added a $30 late fee.
They say they'll increase your credit limit semi-annually... but there's a $25 "credit limit increase fee."
So what will this card cost you? The first year will cost $457 in fees (set up, program participation, annual fee, and monthly account maintenance fee, and twice a year $25 credit limit increase fee). Every year after that will cost $219 (annual fee, monthly account maintenance fee, twice a year credit limit increase fee). And that's before you pay any interest! And unless you make very large payments immediately, you'll have almost no available credit anyway!
This is the worst credit card I have ever heard of, and I recommend you stay far away from it. If you're trying to rebuild your credit, you would be better off getting a secured card from your bank. |
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jen
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as long as you can aforred it you should be ok the best thing to do would be to buy something on it every month that you can pay off or almost pay off every month when you get the bill u will excape finance charges and on your credit report you get a little 1 for every month that you paid the bill on time this of chorse will help your credit eventually but if u dont use it and dont pay cause u arnt getting a bill this does not help ur credit because u arnt getting that little 1 every month dont listen to people who say having a credit card and never using it helps ur credit that dosnt make sence if u dont use it and dont ever pay then how do they know u know how to use credit and pay ur bills |
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jesteban78
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Yes. I was in the same situation and the only way to rebuild your credit is to open 2 or 3 credit cards with very low limits and pay them off every month.
Also, look closely at your your credit report. If your delinquencies occurred over 7 years ago, you can have the reporting agencies remove them from your report (thus increasing your score). |
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StarchIT
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Perhaps a credit repair company NOT debt consolidation company would be your best bet?
The Do's of Finding Good Credit Repair Services:
DO shop around – have several options.
DO ask questions about fees – legitimate credit repair services shouldn't take all your money up front.
DO find out what kind of promises they make.
DO try and get as much in writing as possible to protect yourself.
The Don'ts of Finding Good Credit Repair Services:
DON'T believe claims that the service can erase any bad credit, can raise your credit score in a short period of time, etc.
DON'T pay a large sum up front – many scams will take your money and run.
DON'T sign up for any credit repair services who are unwilling to give you something in writing.
DON'T use a service without thoroughly researching its credentials. |
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AlaskaMusher
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Get a "Secured" Visa or MC. This is one where you deposit money into the account and then spend it. You might join a credit union and meet their credit manager and ask how to best improve your credit through them. Just take your time and be careful.
These high fee cards are a rip-off.
Also, get a hold of your credit report and look it over carefully. Make sure there is not stuff on there that shouldn't be like out dated late payments. Ask the credit union folks to help you clean up your credit report.
Take your time and be careful. As you well know bad credit is hard to un do. |
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fluke
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absolutely. but see if you can get a card where you put the money up front, and maybe avoid those fees. |
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Barkley Hound
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Since you don't say what the high one time fees are I would recommend checking with banks for a secured credit card. This type of card is guaranteed by money you have on deposit. Since a card should only be used for what you can afford and for convenience that may be the way to go. |
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apsuz73
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These high fee/high interest cards will help you build some credit if you keep the payments on time. And most of them do increase the credit limit and (I think) some lower the interest after you establish a good payment history with them. You don't want too many, however, because you want to keep your revolving credit dollar amounts from getting too high, also. I've been going through the same thing myself. Good luck. |
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Jamie G
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yea but you need to keep it paid off...and do not be late on your payments...it might take a little while but it will eventually build |
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C M
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Yes it will, if you keep the balance low, pay on time, and pay it off regularly. After a year, if they see you doing all of this you will start to get offers for better cards. I also heard that if you keep cards open after you stop using them, that makes you score rise. Just be good and dont use them! |
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lisamtracy
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No and NO!! Don't do it!! Don't get a new card!!! I just cut up my zero balance cards and i'm not going down that road to debt! My Hubby and I are trying to become debt free! If you are debt free and stick money insavings and in good investments long term, and have money set aside for emergencies you don't need credit or care about your score either. Just get the sissors and cut up the application or the card or what ever you have and throw it away. You will be HAPPY you did. Good Luck! |
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