 Which of these credit cards is better? |
a card with an apr of 14.9% but a $19 annual membership fee
OR
a card with an apr of 19.24% but has no annual fee.
Additional Details
thanks martin,
i am ... |
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 Hey does anyone know where I can get $30,000.00 loan with extremely bad credit? |
| ...seriously....trying to make some business investments. but am in need of 30,000.00 to get the business off the ground......but my credit rating is below horrible....any ideas?... |
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 Low credit score? |
| Im just wondering if anyone can help, im 19 years old. only ever had one thing on 'credit' a mobile phone contract i paid late a few times it went to a debt collection agencie i did however ... |
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 Credit Card problem? |
| So I received a paper that said that I was pre-approved for a Visa card and just to send it back so I did. When I received my card, it had a sticker on the front that said "Call today to ... |
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 Can a creditor instruct bankruptcy on an individual who owes old debt of less than £5,000? |
| A 'tracing co' has contacted me and has advised they will be making me bankrupt unless I contact them within 7 days. This is an old debt which has been passed around to various debt ... |
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 My credit card bill is due today, i mailed my payment, but not sure if it will arrive on time, what happens if |
| I use the pay online or over the phone option now, although i have already mailed in my check. What will happen to my check that is on its way. Will they disregard it, since the payment has already ... |
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 Debt consolidation? |
| what is te best debt consolidation website, offering service for people that have a not so good debt to income ratio.... |
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 Will Blockbuster video take me to collections for a $6 late fee? |
| Blockbuster is awful they charged be a whole nother week on a one week rental in 2003 because i was an hour or so late returning the dvd. instead of 6 pm it was 7 pm; and i was pissed and never paid ... |
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 Where can can i find a bad credit/ op credit auto loan? |
| I am looking for an auto loan to buy a used vehicle. I don't have bad credit but my credit is not established so I need help finding an auto loan.... |
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 How Do I Get Out Of Credit Card Debt? |
| I asked another question similiar to this one, but I thought I'd be more specific. I'm in credit card debt, and I need to use a debt consolidation company to bail me out, but I don't ... |
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 A creditor has filed judgement against me after 6 years on credit report. is legal? |
I LIVE IN ALABAMA
VEHICLE REPOSSESSED IN 2000, ACCORDING TO MY
CREDIT REPORT. DUE TO BE REMOVED OFF MY CREDIT IN AUGUST 2007. CREDITOR HAS FILED JUDGEMENT IN JANUARY 2007. IS THIS LEGAL... |
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 Does storecard credit appear on a typical landord accessed credit check? |
I was quite late in paying off a store card when I was 18 (5 years ago), but I'm still worried that it will look bad on a credit check when I look for my first flat.
I have been OK-... |
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 How do I get a card? |
| How do I get a credit card with bad credit?... |
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 Which is $1000 a K or a G? |
| I can't ever remember which is which. Is a "K" $1000 or is a "G" $1000.... |
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 How do i cancel my bank account? |
| yesterday i opened a bank account and i really wanted a debit or credit card and i have to be 18. well i called another bank that i found and they can allow someone to have a card under 18. so how do ... |
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Jaye | What are some things I can do to establish credit? |
I am attempting to establish credit but I don't really have any idea of how to go about it. Credit card companies send me offers every week. But I know that most of those are no good. I read all of the information they send me. I find out that the 0% apr rate is only temporary. I also discovered that I will be charged all kinds of fees just to open up the account. I don't even want to mention what happens when you default. What way should I go about this. I have close family members such as aunts, uncles, my own mom and older brother who have all gotten caught up in the credit web. What should I do? |
 |
 
putonyourflipflops
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First you need a bank account to start building your credit score.Every time you spend on a visa for example you are building up a score which other financial body's use to decide whether you are a safe bet. The more you bank ,use cheques or a credit card and pay bills on time you are building this up.Always remember to not spend more that you have then you will keep a good score.And the result of this will be that it is easier for you to borrow when you need to. |
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Ms. Tricky Question
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Pay all your bills to include hospital bills. I got a starter loan ($500) and paid it off in the allotted time. |
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Jane Barleycorn
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If you want to establish credit start small. A credit card with a small available balance will not put you in too much trouble if your spending gets out of hand. Most importantly once you get it don't spend beyond your means no matter what the interest rate is. Make your payments on time and if possible in full every month. Once you create a steady history of paying on time you should be able to establish credit. Your family is probably not in trouble because they received credit but because they abused their credit. |
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~chrissy~
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Paying your utilty bills on time doesn't necessarily mean you're building credit. It will only show up on your credit if you're late and thats only going to hurt you. Things like making car payments on time and paying off loans is a good start to building credit, b/c you are paying back a bank usually. If I were you I'd try out the credit cards that they send you... there should be an invitation code on it somewhere where you can get online and type that code in when you apply for it. If you have that code when you apply you'll more than likely get approved and you'll probaly get like a $300-$400 credit limit, unless you already have bad credit. But if you continue to pay on time they will raise that limit, just don't be tempted to spend that amount. Also you have to watch out b/c having too many people look at your credit counts against you. I found that out when I was applying for a credit card. If you do get approved for a credit card though, I'd only use it for maybe going out one night a month. If you do this for about 6 months, you should have good credit. But remember to always pay your credit card bill on time b/c if wait and pay it off in a couple payments thats where they get with the high interest rate. Hope that helps a little! Well good luck with everything! |
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My Plan B
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well it depends on how bad your credit is. If possible get a sears card, or a macys card or one of them, or even a credit card. Get three of those, and use them for everything you pay now with cash or debit for. Dont go out there spending money you dont have. Once you do that and pay them off on time, that will increase your credit score within the next 6 months and so on. What you have now are called tradelines, and the more positive payments hot your report, the more you are going to improve it.
There is no other way unfortunatly.
I know a credit service called Dream Richly that can help you with your challenged credit for FREE if you become a club member which will only cost you 25$. The same package would cost 599$ if you are not a member.
The reason why they can do it for FREE for members is like the system of costco or sams club. They charge you to become a member, but now you get the service at a wholesale price instead of retail.
It will take about 6-12 months to go through the process, but it is absolutely worth it.
You can call the credit hotline 310-287-4777 and tell them that you were referred by Malik and they will take care of you.
There is no obligation whatsoever when calling.
The reason why our parents, aunties and uncles are caught in the web, as well as you , is because nobody taught them how the credit game works. If you know the rules, you can succeed. |
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Vanessa B
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Credit cards are probably the easiest way to establish credit as long as you don't over use them and get into trouble. I have one credit card that I keep ONLY for emergencies. Also, you can open checking and savings accounts under your name, it shows you know how to handle your cash. Getting a loan is another option and paying it back quickly but watch out for interest charges. And ALWAYS pay your bills on time. |
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Michael
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option 1. get a credit card from your bank use it to buy a t-shirt or something small and pay it off every month.
option 2. get a debit card and do the same thing as in option 1. |
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PATRICK N
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Try Orchard Bank. They can set you up with a secured card or approve you for a MasterCard with a low limit. Either one will help get you established. Do not keep applying for those prepared cards that you receive in the mail. Every inquiry drops your credit score. |
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Aly
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I secured credit through a grant. The government gives out billions of dollars every year to regular people just like you and me. Many people dont know about this because the govt doesnt advertise much. There are all kinds of grants for all kinds of situations. The good thing about a grant is that it never has to be repaid. Searching for a grant can be overwhelming and time consuming. Most people dont know where or how to apply for one. However, I got help from a site that helped me secure cash. Its called grantdiscovery.net They found grants that were available to me and told me where and how to apply for them. They were extremely helpful and friedndly. It really worked out for me so I thought its my duty to pass on the info. |
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