 Advice on prepaid credit cards in the UK please? |
| Hi. I have a bad credit history and have only got an electron card. I don't want to get anymore credit but would like a credit card so I am able to book things and buy online.Does anyone know ... |
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 I 'm 25 single mom. I working on paying off my debt. How soon does these payments show on your credit score? |
| I owe about 7 thousand dollars spread over 4 seperate accounts. My student loan is the biggest of all @ 5thousand dollars. I am making my monthly payments but not always on time. I also have 3 more ... |
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 Hi i defaulted on a store card 8 years ago and it has been sold and they are chasing me to pay ,do i have to? |
| i was paying this through a debt management company along with other debts,all the other creditors stopped the intrest and have all now been paid,but this one company didnt stop the intrest so i ... |
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 Will Bank of America give me a small, SECURED loan with TERRIBLE credit? |
here is the scenario:
i want a motorcycle that is $4,000.
i have $3,000 cash in my pocket.
i have terrible credit and do NOT qualify for a loan.
i can afford to pay the $1,000 ... |
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 How can I rebuild my credit if I'm in bankruptcy and my credit score is 0? |
| I'm in my 5th year of Bankruptcy (ch.7), I've paid my mortgage on time, I have only applied for credit once during that time. I have no other credit cards or loans, I don't understand ... |
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 Home loan agency for bad credit? |
| My boyfriend and I want to buy this one house, but we don't have perfect credit. What is an agency that can help us?... |
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 My first credit card? |
| I am 25 and I have virtually no credit and I am looking into getting a credit card. what do you think is the best card to start out with?... |
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| How long can bad debt chase you for owed cash? |
| have a ot of bad debt from two years to ten years if one catche s up with will the ... |
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 No credit, How do I start and what is a good credit card for a beginner\r? |
| I am 20 years old and after trying to get a card for a store I find I have 0 credit history. I have never owned a credit card and want to pick a good one to start bulding credit. Does anyone know a ... |
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 I've been told that after so many years, credit card debt goes away. Is this true? |
| A company that will go unnamed wants to settle with me at 11% of my original debt. This is over 5 years old.... |
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 ANSWERS QUICKLY!!!! What should I do? |
| I recieved a letter in the mail followed by a check for 2,850.00. They said I won a lottery for $56,000. They said I have to deposit the check, and send them back the check and they will send me ... |
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 How can my ex get loans and credit when he doesnt live here anymore? |
We jointly own my house, we separated nearly two yrs ago. Only morg and council tax had his name on everything else was in my name. Yet he has been able to get cards and loans.
How is this ... |
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 I am trying to improve my credit after a really bad year. I can't even get a secured credit card.? |
| I had a really bad year last year and don't know what to do. I've never had a credit card, but I have a defaulted student loan and line of credit on my report. I am paying both of these ... |
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♥kate♥ | Should I get this mastercard with these fees? |
Fees for Issuance or Availability of Credit Account Set-up Fee: $29.00 (one-time fee)
Program Fee: $95.00 (one-time fee)
Annual Fee: $48.00
Monthly Servicing Fee: $84.00 Annually++
Additional Card Fee: $20.00 Annually per card, (if applicable) |
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Upthecreek
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Nooo!! Save your money for awhile and then get a BoA 99/500 card. That's Bank of America if you didn't know.
If your having troubles with no credit/ bad credit, check out MyFICO.com. Its amazing what a little work and knowledge will do for your scores.
Best of luck! :) |
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bak889988
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Well you obviously have bad credit. I also do. I am thinking this is a first premier card or orchard. Well yes the fees are high and the limits are low, but it is a credit building card. I have two first premiers and one orchard. The orchard is good but so are the 1st premiers. They all have similar fees but you need credit cards to build your credit back up to good. That way you can get a good card with no fees. You can visit http://creditcardwarehouseonline.com to view these cards and others and see the fees associated with them. Now if you get one of these cards you want to pay them down immediately. Do not go over your limit or max them out. This does no good for your credit score. Do not use more than 30% of your available credit. This is difficult since you limit will be 300$. So dont use more than 90$. If you do this and pay on time they will raise your limit every six months. Also if it is a first premier never pay online. They also chage 7.95 for online payment fee. Orchard does not. |
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2blessedby3
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If you are going to pay all of those insane fees you might as well get a secured card and set your own limit, that card sounds like first premier, don't waste your money! |
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blinkablinka
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NO!
That's a lot of upfront fees, I can just imagine what the interest rate is! Go to your bank, they will advise you on which of their credit cards best suits your needs! |
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xbluebellax
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Take advantage of competition and capitalism...and ditch those ridiculous fees! There's only about 1,000 no annual fee MasterCards. |
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no nickname
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In a word...No. There are other MC's without all of that nonsense. |
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Reaper
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Get this.
www.capitalone.com |
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ms.toni67
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Don't do it! They will probably only give you a $300.00 credit limit (and all these fees will take you up there!).
Like others suggested - get a secured card
try capital one or orchard
I can understand the annual fee but, the serving fee, program fee and set up fee are a b.s. fees geared to just take your money. |
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MSAD
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Absolutely Not!
If the only card you can get is one with fees (especially ridiculous fees like those) - then you do not need a card.
If you have an average credit score you can get a card w/o fees. So if you can only get a card with those kind of fees....your credit rating must be awful. If that's the case. Don't get the card. Work to repair your credit score and get a card later when you can get better terms.
One of the easiest ways to repair your score - is to pay your bills on time - every month. That means all bills (rent, power, phone etc) not just credit cards. |
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The_Nest
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Those are SCAMS! It's legal, but still a total scam!
Find a collateralized credit card... You'll start getting "real" credit card offers within 6-8 months. Low limits, but still real cards... My credit was in the tubes after my divorce... I got an Orchard Card 2.5 years ago and have since been able to get two "real" cards and buy my own house... |
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candi h
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I did that before but I have saved up money for all of the fees to pay it all off when my first statement came. I didn't have a problem and it really helped my credit back then (Continental finance & Centinnial). After some time though I got tired of paying to make a payment online or by phone and when you do not use the card you still have to pay the monthly participation fee plus I was then able to get a normal credit card. If this is the only way to go, do what you got to do but be smart. Try Capital one first or even orchard bank. |
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