 I applied for 2 different credit cards but i didnt get approved? |
| i dont have any credit but people told me thats a way i can build it up so why did i get declined is there a credit card out there that will accept ... |
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 How to build up good credit? |
| My credit score is only 608 and I was bad with paying my bills on time a few years back. Now that I am older and trying to get myself straight I was wondering how to build my credit? I have a Capital ... |
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 A bill collector is taking me to court for a credit card bill that is at least 7 years old. Do I have to go? |
| They have filed a complaint with my local magistrate, and they are asking for over $4000 which is the amount that has accumulated over the years in late fees and interest. I don't feel I should ... |
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 Help with paid off debt... 7 years? |
| I had debt that dated back to 2000 (date opened) and have recently paid it all off, this year. Will the negative debt records clear 7 years after the open date or 7 years after I have paid off the ... |
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 What are the laws for collection agencies to collect debt from people that was from 2yrs ago and harrassment? |
| They also mentions that they would make a note that my sister will bw non negoitable, which means what? What steps can I take to have them stop harrassing me?... |
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 Do people that quote Dave Ramsey like the bible annoy you? |
Additional Details
If we wanted to hear from Dave Ramsey we could just order his products, am I right?... |
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 Cleaning up my credit report? |
| I have 3 charge offs on my credit report, the debt just under $1500 total and over 5 years old and from what I gather the statue of limitation has expired on them (is that the right wording?) but I ... |
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 If my sister is financing a car and i want to take over payments whos credit report does it go on??? HELP!!? |
| If my sister is financing a truck and i buy the truck from her, so i'm taking over payments, does it get transferd to my credit report or does the vechile stay on hers?... |
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 Credit card issuer cancel my card due to inactivity of the card use, will this impacts my credit score? |
| I got notification from credit card issuer that my credit card was canceled due to inactivity. I have not use the card for more than a year. I would like to know if this cacelation will have impact ... |
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 My brother is looking into filing bankruptcy, is that bad? |
| My brother has over 97,000 dollars in personal student loans, plus 60,000 in credit card debt, all accrued during college. All his debt was due to him paying for studnt supplies, tuition ect. He now ... |
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 Does anyone have an opinion about those debt eliminating companies? They reduce 60% of your debt in 3 years.? |
Additional Details
Apparently, you open a bank account, don't pay the credit card companies for 3-4 months but send payments to your account to build up enough money for them to ... |
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 How do I raise my credit score? |
| So as a teen I screwed up some, landing me 3k in debt and boasting a score of 580 :( :( so im 22 now and I really wanna fix this. what do I do?... |
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 Are my Credit Cards being fair?? |
| I just called to ask my credit card companies to lower my interest rate, and they said they can't do that until I get back into my limit. I am only 200 dollars over my limit on both, and my debt ... |
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 Fiancial Advice for someone who is in big trouble. What should my friend do? |
| My friend's parents are in debt 2 Million dollars because of some bad investments. They are trying to pay the mortgage on their home. The mortgage is 10k per month. The husband just lost his ... |
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 Is it legal for credit card companies to increase interest to 34.9%? |
| queried why payments were increased and was told interest rate was increased by 10%.... |
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spiderman120988 | What's the best credit card for college students? |
hi, i think i might be getting a credit card, so what's the best one, i really just need it to order some computer parts online (about 700 dollars worth) and then i don't really plan on using it that much...i also need to know that if they bill me, can i pay them back using money order....or do they just take it from my bank account cause its under the control of my mom and she won't hand it over to me even though i'm 19.... |
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Abcd
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It all depends if you are just stating your credit, there are a few good ones out there, check out www.fastcreditcardapprovals.com and compare for your self, here you will find evey major credit card, I like the ones that give you rewards such as free miles.
http://www.fastcreditcardapprovals.com/ |
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Caitlin
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Seeings you probably don't have any credit applying for one is going to be hard. My advice is that you don't get one. Do you have a job? Can you afford to make payments on them ? If you're bank account isn't direct deposit then you don't have to put you're money in it open a new one. Are the parts really needed ? My advice is to think about it before you get one. I don't know if you can pay with a money order. Make sure you get a good interest and APR rates too. Good Luck! |
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Hunter
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Credit card issued to students are usually the worst kind because they come with the highest interest rate possible. The best credit card for students or people who are not working is no credit card. Or if you have one it is supposed to be for emergencies. $700 is a lot of money and if you cannot pay it off in the first month then you will find that the interest that will accumulate can go on forever. So unless you are planning on paying off the $700 in the first month then don't do it. Oh and you can pay it with any legal form of payment, not cash though. When the bill comes you can send payment with a money order. Be sure to put all account numbers and necessary info on the money order. my advice is to buy stuff when you can pay cash only. |
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The Snake
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Cash. Credit cards just get you into debt and you end up oweing too much money. Or maybe a Bank card that draws money from your checking or savings acount. Only problem is that if you take more out than you had it will cost you extra.. Many overdraft charges are $30 per incedent. That can build up fast |
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Serenity
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Honestly, none. They try to get all of us with high interest rates bc we simply don't have enough credit (for most of us, anyways)...but I would get one with a small limit (ie $200) so you won't overspend. Learn from me! |
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Mandy W
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Unless you have a steady part time job I would recommend not getting a credit card. Most likely when you get out of college you will already have student loans, why compile this with additional debt. |
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joelmeulenberg
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The best way to use credit card, in general, is:
1. Get a good rewards card (or 2)
2. Funnel most/all of your normal spending through your cards without max'ing them out
3. Pay off your balance(s) in full every month
That way you'll:
1. Build your credit quickly
2. Avoid interest
3. Earn rewards
A few of the best rewards cards for college students are:
- Citi mtvU card - a great rewards card for students -- especially those who spend a lot at restaurants and entertainment (5% rewards in those categories)
- Citi Driver's Edge for Students -- 3% rewards at gas stations, grocery stores, and drug stores; 1% everywhere else.
- Fidelity Investments® 529 College Rewards® American Express® Card - 1.5% rewards on all spending; goes into a 529 account for college tuition
- Discover® Open Road for Students Card
You can use this rewards calculator to see which of those cards (or others) will pay you the most for your normal spending profile:
http://www.creditcardtuneup.com/
As far as I know, none of those student rewards cards require good credit. |
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Momto2inFL
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DO NOT get a card for college students. Get a secured card or something else.
I fell into that trap at 19 yrs old. And I didn't use my card either. I paid it off in full actually after each use.
But then, a year or two later, I got sucked in because I had things I needed to pay for (car repairs and a lawyer bill) and because it's a college student type card, the interest rate is INSANE!
And that's how they catch you. If you need to get a card, don't look for the ones like this. Look for one that you deposit money into and you use it. Kind of like a debit card but it's not.
My advice: If you don't have cash, you can't afford it. |
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bryce k
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http://creditcardwarehouseonline.com has a list with fees and interest rates. you can apply online. you also might look into a secured cards. they have those there too. |
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