 Is going over your credit limit just as bad as making a late payment? |
| I always pay my husband and my credit card payments on time. However, because both are close to the credit limit, a few times they have gone over the limit by a little bit because of the monthly ... |
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 Capitol One? |
| Can someone tell me how do the credit companies know what your credit limits are on your Capital One account because they sure don't let anyone but the person who has the card know the limits. <... |
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 I am searching for online job without paying any initial payment. i need money for my work. no luck and all? |
| That is if i work (eg: typing work or any other work given by concern) they will pay for that. no gambling and conditions.... |
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 Bad Credit? |
| I recently went to free credit report.com to check my credit. I thought that my credit was fine, but when I visited the site I was wrong. Whats the fastest way to rebuild my credit?... |
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 Is there a place to ACTUALLY get your credit score FREE? |
| ...without signing on for something or buying anything?... |
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 How to make your credit very good? |
| what are things i need to do to make my credit good beside paying off my student loans and credit cards and paying off the bad debts on my credit report. I know to pay things on time but all the bad ... |
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 My boyfriend and i borrowed £1000 off his stepfather last month? |
| my boyfriend borrowed £1000 off his stepfather last month, it was put on his credit card, he owes nothing on this credit card except the£1000 we borrowed. he is now saying the interest for the one ... |
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 What happens if I pay more then my balance off on my credit card? |
| I had a balance of £450, and transfered £650 to pay it off instead....what happens to the £200 surplus??... |
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 Should I cosign on a car for a friend who is willing to pay me? |
| A close friend asked me to cosign on 70K car for 4 yrs. And she going to pay me 3k on the day that its purchased. But Im a little worried about the deal even thou I really need the money. I know that ... |
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 What trouble would a person be in if they did not pay for a credit card.? |
| My freind has become very ill with a mental illness and is on a very small pension and has offered the company what she can afford and they will not accept it and keep calling her and harassing her.W... |
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 How good of a mortgage rate can someone get for having an excellent credit score? Over 800? |
| I recently got a quote for a 30 yr. fixed rate mortgage of 6.75% and was wondering if that was a good rate considering I have an excellent credit score. I simply thought it would have been lower, and ... |
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 How can I help my GF eliminate her debt??? |
Basically, I just want to know how she can be helped. Paying the monthly min is really high right now. She said it was like $480/month which is really killing her.
I had thought about D... |
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 My brother has a bad credit rating, how long will it take to make it better? |
| He has been paying all his bills and debts on time and not defaulting on payments for the past three months, how long will it take for him to qualify for credit again?... |
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 I owe $709.99 for what? |
| I got a paper from a collection agency today for some... I don't even know what it is or who it is or what they do.. company, saying I owe them $709.99. I have NO IDEA what it is. Never even ... |
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There she is!!! | What Credit card could I apply for with bad credit? |
I've called 4 credit card companies now, chase, american express, discover, and Capital 1. and I'm declined because I have bad credit. But, when I talked to a credit specialist, he said to get a credit card and only put $50 gas a month and pay it off every month and my credit will raise. How can I do this, if I can't even get a credit card? Do you know of any companies that may approve me?
Additional Details
ok I've never had a credit card before, so that's not why I have bad credit. I signed a lease at an apartment, then lost my job, so not able to pay for rent for the rest of the term, it went to a collection agency. This is now paid off, but I still have bad credit score. |
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magi
 |
If you are trying to reestablish you credit, get a gas credit card and pay it on time every month. You can do the same with a department store credit card.
If you have some money saved you could get a secured credit card, it works just like a regular credit card except you have to secure your credit line with a cash deposit.
After you do this for a while you may be able to get a small credit line on a regular credit card. Talk with the people at your local bank.
With the huge collapse of the mortgage loan industry, expect credit to be harder to get and intereset rates to be higher. |
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katig184
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http://www.creditcards.com/bad-credit.php
I used that site when I had NO credit and found a good card.
Good luck! |
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kjosee
 |
have you tried to apply for a gas card? like at BP or someplace.
be careful how many apps you fill out that also can hurt your credit or at least I have heard. |
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Mannie M
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umm..i dunno...ur outa luck
surri im jus tryin 2 get points. |
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Ruth S
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Can your bank card be used as credit as well as debit? If it can, then avoid applying for a credit card (that brings your score down too.) Just use your bank card as a credit card. Don't use it as debit. Just an f.y.i, the so called credit specialists are apart of the credit card companies.
With bad credit, you should just skip the credit card companies.
With time your credit score will rise, just be patient.
good luck. |
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Anonymous Coward
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Here's a list of credit cards that are specifically offered to people with bad credit.
http://www.credit.com/products/credit_cards/sub-prime.jsp
Be very careful and responsible with your new card. Many sub-prime credit cards involve exorbitant fees and interest rates if you miss a payment or carry a debt longer than one credit cycle. They will be totally unforgiving because they know from the get-go that you're a risk.
If you have already paid off your existing debt, and you follow the specialist's advice to the letter, you should be ok and it will slowly help to improve your credit score. Mostly, though, you're just gonna have to wait - items on your credit report expire after 7 years.
If you have NOT paid off your current debt, do that first before getting a new card. No financial institution will give you a credit card if you're still carrying a lot of debt and have a history of late or missed payments to boot. In that case, constantly applying and being declined for new credit cards can bring down your credit score even more. |
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sunny day
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none im afraid . |
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cinnea
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Your credit specialist is an idiot. I know a lot of credit specialists suggest this, but if you already have bad credit, chances are you made some poor choices and you need to take some time to relearn how to manage credit before getting a new card. And it isn't smart to keep applying - all the inquiries will lower your score.
Rather, you should: work hard, pay all your current bills on time, pay down any debt that you have, and make sure you have a savings. |
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Help
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you could get a credit card even if you don't have any credit history, you just have to apply for the right card I would start with a a premier bank card this card will help you get your credit started use it for a few months just to build credit once you have had it and use it for 6-9 months apply for a better card and drop this one, good luck check out www.fastcreditcardapprovals.com and go under poor or no credit section. |
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Vampira of treehuggers
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Maybe you should wait till your credit improves then go for those credit cards again |
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naf24star
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Id leave the cards alone if i was you |
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audortega
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k |
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boxerslife
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Yea a credit card is what you need, lol. |
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