 Do you think we should stop making pennies??? |
Additional Details
tell me why you said what you ... |
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 My sister used my credit card without permission. Over 15,000. She is making monthly payments.? |
| If I report the unauthorized charges to Chase what will they do to her? She is making the monthly payment, and plans to pay it all off. Will Chase still press charges against her if she is willing to ... |
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 Had anyone hear of this loan company? |
| Hi,has anyone heard of a loan company called walker hammond,i applies for a loan from them but they said i had been accepted but needed a fee of ÂŁ39.99....can anyone give me anysort of advise of ... |
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 Doctor's bill from the past!? |
| I received a letter of demand from the on-call doctor for my hospital stay almost 4 years ago. I was admitted for chest pain and irregular heartbeat. I felt 'Doc Q' was incompetent: S... |
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 Is having 5-6 credit cards bad for your credit score? |
| I heard that having too many credit cards was bad for your credit. If I have 4 Store Credit Cards and 1 Visa Card and am planning to get another FINAL major credit card...is that too much?... |
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 Is it a wise decision to use student loans to pay off credit cards? |
| I have no undergraduate loans at all and want to pay off my credit cards instead. I hope to pay off the student loans I use to pay off my credit cards before I graduate since I know I won't be ... |
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 Can I get credit card in a small town of Karnataka? |
| I wanted to have a credit card to set up an online business. But being in a small town place, I found out that it is not possible to have a credit card. Can I get one? If no, then can I have credit ... |
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 Payday and no pay? |
| payday today but not got paid...work for private company and have young child and bills to pay direct debits due to come out my account today but no money in bank to pay them....dont have my payslip ... |
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 What happens if you lose your job when you have applied for a credit card? |
| i have applied for a credit card and i told them that i had just been hired. i was there 2 weeks and they ended my contract. do i have to tell them i am now earning less and can i still use the ... |
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 I have no credit!? |
| I have no credit at all! I have been applying for credit cards to try and build my credit up but none of them is giving me a chance. I would really like some credit! I couldn't even switch to a ... |
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 Could some please explain a little about establishing good credit? |
| I really don't understand credit scores --- I don't have a credit card or anything -- could some please explain a little about establishing good credit -- what's a good credit score ... |
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 Regarding credit cards and credit scores? |
| I have no credit and no job. I keep getting these "pre-approved" cards in the mail. I want to build credit so this is my strategy. Buy three cards A,B,C card A I buy 700 bucks is consumer ... |
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 What is a good website to get a payday loan? |
| I try to apply for one but it keep sending me to other loan pages.... |
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 I've got $60,000, what to do? |
| I've got $60,000~, I'm a sophmore in college, but not interested in academics at all and would like to pursue other interests. Is there something I could do with that $$$? Finance my own ... |
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| Question about credit card debt? |
Like many Americans these days I am having trouble paying my credit card debt.
The balance is $8,000 and I am having trouble making the monthly payments.
What is the best course ... |
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 Credit Card Advice? |
I'm 18 years old and beginning as a freshman in college in the fall..
Is there anyone out there that could recommend a hassle free good first credit card.
I just want to start ... |
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Cloudcity CC | So how do I get a credit card ? (read details)? |
I applied for a Visa Credit card... It was declined...
The reason given to me was that I don't have credit. (not that I have bad credit, I basically have no credit rating, thats why I need a credit card, to earn credit).
Now, I recently bought a house and already have the furnishings for it, paid 20 pct down, have another 10 pct of its value in cash, I own my own car and have a steady middle class job working for the government. This apparently does not warrant me being trustworthy enough to have a credit card with a basic limit ?
However when I was a student with no job, no car, no money, no home... I couldn't walk down the halls of the campus without being assaulted by 3 credit cards vendors trying to get me to sign up for a Visa or a Mastercard or a whatever they were offering...
Additional Details
The car I paid for in cash. The house I just bought, and take possession of in about 2 weeks (mortgage is already approved), so it won't show up on my credit report I don't believe until my first payment comes up after a month. I would have liked to have the credit card to make paying my bills easier though rather than 6-8 weeks later after I own the house. |
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answer-answer-answer
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You should have signed up then. Credit people have this strange flexibility towards college students. They want to get you early and get you in deep so you'll be working the next 5 years to pay them off. Instead you got a house, which you probably would not have been able to if you had all these credit cards.
Just realax a few months. Wait till your mortgage shows up in your credit file then apply for a credit card. Dont apply for the platinum, titanium or whatever just a basic card.
If that doesn't work, goto a bank and open an account with $1000 and ask for a secure credit card secured by your savings account.
At least this way you'll build credit. I think however after you rmortage shows up in the credit files you should get a card with relative ease. |
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pepper
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You need to start with store and gas credit. Sears. Pier 1, Target, anywhere that will give you a card at the checkout - and 10% off your first purchase. |
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FLORIDA L
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Check your credit report you may be over extended to the major credit card companies. I would get some department store cards, they are easier to get. Then if you are still denied call the credit card company and ask them why. Especially since you own a car and have equity in a home. Oh and a job...that always helps. |
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luvhrtz
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You can still be assaulted by credit card companys now. They'll just turn you down once you apply. Pay all your bills on time or ahead of time for six months then apply for a store credit card like target or old navy and pay those on time or ahead of time full balance for 2 months then you should be golden. |
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Ryan_and_Sophie
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I will be honest with you, its hard to believe you have a house, car, and a job, and can't get one. There has to be a little secret your not telling. Because i work through a credit card company and with what you are telling me would qualify you for most. If you are denied it is because you have some outstanding debt that has not been paid and has been turned over to collections, there is no over reason you would be turned down. Even if you have no credit, you still would get approved. But you say you have no credit, but yet you have a house and car, the moment you signed for that house and car made you have credit, a bank lended you the money, thats great credit. Like i said you have other underlining issues, and if you don't know of any try checking your credit online, you get 3 free credit checks a year. But if your going to try for another card, i would try Capital One first. Good luck!! |
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ga.peach67
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Isn't that nuts? You can buy a house but not get a credit card. Start with the easier credit cards to get like gas cards and department store cards. Only put a little bit on them at a time and pay them off every month. I would say in about 6 - 9 months you will start getting preapproved credit card offers from major companies. Be careful with those buggers. It's really easy to get in over your head. Only put on them what you can afford to pay off each month. Good luck! |
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kja63
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Forget the credit cards; Pay cash. You'll be much better off in the long run. |
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kate
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If you have a job and are paying for a house ,
You do have credit . . .
So there is a serious flaw in this question ,
Unless someone typo'd your ID number on the CC application .
You went to college , you should be able to figure out the glitz . . .
And If you went to college , you should know that signing up for a Visa or MC is NOT the same as being approved .
> |
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JS
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There are also several companies that issue credit cards at a higher rate to people who need to start credit records such as Orchard Bank see - http://www.hsbcusa.com/personal/credit_cards/orchard_mastercard_product_info.html |
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Easter E
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A Credit card for people with bad credit is a form of borrowing that often involves charges. So it's wise to compare terms and fees before you agree to open a credit or charge card account. Try looking for a credit card<!--with a low APR. Find out the APR because this is the amount charged to you on monthly balances.
http://badcredits.awardspace.com/credit-card-for-people-with-bad-credit.htm
Are you overwhelmed with credit card offers and don’t know which one is right for you? Tired of looking for a credit card? Chances are you have received your share of credit card solicitations. Not sure-->which credit cards you should apply for? Shop around because not all credit cards for people with bad credit are created equal. |
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