 Online Credit Card? |
| Is it possible to obtain an "online" credit card? I want to obtain a low limit card to use for online transactions exclusively. I would set a very low limit, in order to limit fraud in ... |
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 My credit is in the toilet and I'm 37. How do I repair without filing for bankruptcy? |
| I'm studying to be come an electrical engineer and working for an field engineering company as an electrical apprentice. I pay child support for 3 daughters. I don't have a 401k or ... |
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 My mother has bad credit, I have no credit. Can She still co-sign a credit card for me? |
I'm about to turn 21 years old and I have no credit.I don't want to get an insured credit card, so that's out of the question.
My question is, can my mother cosign a credit ... |
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 What does my credit score have to be to be approved for a home loan? |
| I am restablishing my credit because I want to buy a home. My credit score now is 550... |
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 How can i get out this credit card debt ? |
| I don't have a job right now i can't pay my bills everybody is calling me to make a payment i can't give them what i do't have. one company has sent me execution payment request ... |
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 What can I do to improve my credit, so I can get a loan? |
| Got denied credit because of 3-4 unpaid very old debts that have been turned into collection agencies years ago. (3-5 yrs) The total is low, and they are hospital bills and a cell phone bill. Peoples ... |
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 I have several credit cards from years ago that I never was able to pay? |
| I am always getting letters telling me to pay the debt and the amount keeps getting higher. I am not able to pay these off in full. What should I do? What can the companys do to me if they are not ... |
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 If you default on your credit card,can the card company sue you? |
| Say you have about $3500.00 on one card and $3500.00 on another card, can you be sued for not paying?... |
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 Is 14.99% interest rate ok if you are new to credit cards? |
| it's 0% for 6 months,then 14.99%,it has variable rates,14.99% or the prime rate plus 9.99%.... |
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 What can u do if the bank agents are harassing your family coz of overdue payment? |
| I have a loan which I wasn't able to pay before I left my country 6mos ago..but is willing to settle it.The thing is the company is harassing my family..what is my legal right on this? please ... |
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 Can I get a realistic answer for getting out of debt? |
| I have read and listened to numerous "get of debt" solutions. Are these books for real? The rolling affect of once a credit card is paid off put that payment on the next credit card and ... |
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 Where can I find a good interest rate on an Auto Loan if i have bad credit? |
| I recently bought a car and my interest is 25%! That is horrible. . but I needed a car VERY bad. Where can I find a place that will finance someone with bad credit. . but have an interst rate better ... |
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 I'm being sued by an old credit card---! Help? Advice? |
Anyone been through this?
What can I do, and can they get any money from me?
It's an "unsecured" card, not tied to a bank account.
Should I declare bankruptcy---or is ... |
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Max Out! | What's the best(most efficient) way to start credit up in your own name? |
I've never had my own credit before, and this is why I want to know. |
 |
 
Jeremy P
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There's lots of small steps to building your credit (ie: opening a checking account, taking out a personal loan from your bank), but at some point you'll need to get a credit card to take your credit to the next level. If you have no credit history, here are some options to help you get started:
http://www.asapcreditcard.com/poor-credit.html
Although these offers tend to have higher interest rates (and additional fees) when compared to 'standard' credit cards, they'll help you prove your credit worthiness and build your credit score over time. Eventually, with regular on-time payments-- you'll be able to qualify for better offers with lower APR's and less fees. But for now, these are your options...
Hope this helps. GOOD LUCK! |
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moneywise
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This is not what you want to hear, but don't start credit. Instead of getting into debt so that it will be easier to get into more debt in the future, get ahead of the game financially. Start putting away money just like you were making a car payment, but make it to your bank account. When your present car craps out, you'll have money there to buy something that's a step up from what you have. Watch this video about vehicle purchases and how dumb it is to drive a brand new one. http://www.daveramsey.com/etc/lms/drive_free/
Anyway, instead of building your credit....build your wealth. It's a lot easier to built wealth than it is to pay off debt. Do yourself a huge favor and go borrow, Total Money Makeover, from the library. It's by Dave Ramsey. Start your financial life out smart. Live like no one else now (on the cheap) so that you can truly live like no one else (with plenty of money and no debt) later on. |
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stan c
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If you have about $2000.00 that the bank could use for collateral, get a loan for 24 months and pay it off in 12. That's how I got started 40 years ago. |
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Helper
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Go here it will help you find the right credit card
http://www.ccvault.com/select/step1.php |
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$m¤¤v¥ £¤¢¤
 |
People have given their answers, now I'll give mine. Getting a secured credit card would be a good way to start out. Granted, you would have to place a deposit upfront in order to get a credit limit of the same amount, but this works in your favor becuase the deposit gains interest while you're building credit and you can also increase the credit limit by adding to the deposit. Usually after a year of paying on time and keeping the balance low by making small purchases, the deposit is given back, and either the card converts to a regular card or a better card's offered. I posted links to some secured credit cards below
Another way is to enroll with PRBC to build credit by reporting payments like rent, utlities, cellphone, insurance to name a few bills that people pay religiously every month, but never seem to build credit becuase it doesn't report on the 3 major credit bureaus. That's where PRBC comes in. They feel that rent should be just as if not more important than a credit card when it comes to building credit. They make this possible by recording payments like this and others and score it in a report that can be considered with your regular credit reports to give a more complete picture of what your payment history is. There's a lot more in this website that I might have left out, I strongly suggest checking it out! It will do nothing but help
Thanks for listening |
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Pdubbs
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try getting a credit card with a small limt, one that you can easily pay off with in the time period. Charge small thins like $20 for gas or lunch at the restaurant, things that you can pay off. |
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Chihiro00
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Start off with a credit card with a credit line of about $200 - $400, something small. Then just charge small things each month l and make sure you pay it back in full and on time.
Another good way to build credit is to get a store credit card, maybe to your favorite clothing store or book store that offers them. These kind of cards are usually pretty easy to get for those just starting off building credit. Once again just make sure you charge small things, pay it off in full, and on time. |
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Cory Z
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Student credit card or like a gas credit card beause they have low limits. make sure you pay it off every month. |
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jahn
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You can visit http://www.cashguru.info and find very useful tips and several articles on credit related matters. |
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