 What would a credit-card company do if i refused to pay? |
| if i just said "look, the risk of non-payment was yours when you gave me the card, I can't afford to pay it back and you will have to write off the money?"... |
|
 Bank Account..does anyone know if i can open one even though i have an overdue on another account they closed? |
| I used to have an account at wells fargo, but i had an overdraft and they didnt even give me a chance to pay...then a month later they shut the accound and gave me a letter sayinf it was send to a ... |
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 If I max out my credit card every month and pay in full every month will that hurt my creidt score? |
| My Limit is $2000 and I use my card for all my necessary spending i.e. rent, utilities etc.... if i charge $2000 on the card and pay it in full every month leaving no balance will that hurt my credit ... |
|
 Question about collection agencies? |
Can collection agents actually come to your house and harass the hell out of you?... or is this just a scare tactic?..
Additional Details
Why do some people say Yes and others say NO?? P... |
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 What's in your wallet? |
| Well, that is what that card place asks.... |
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 Credit Card Debt? |
| What is the best way to get out of debt? Is condolidation the real answer? I've really gotten myself in a mess. I have a decent job, but with raising three kids and EVERYTHING being so ... |
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 Do think I'd be able to buy a house? |
I'm 25, and I earn £39,000 (before deductions).
I have one credit card (the balance is currently 0).
I have no loans (apart from student loand which I don't think ... |
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 Is it better for your credit report to close credit cards or leave open (& not use them)? |
My son has a few credit cards that he doesn't use and wants to close them out. I was told that closing them will affect your credit rating (in a negetive way). True or false?
Additional D... |
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 My Dad cosigned on my car since I have no credit... but? |
Since I'm trying to earn credit and I make all the payments on my car, can I have the car put in my name? Or do I have to have established credit for them to make that decision?
If ... |
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 How to build credit? Credit card recommendations? |
| I have little to no credit. I got a credit starter loan and have been paying on it for a year now but i still can't get approved for things because i don't have enough credit. What are some ... |
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 How many credit cards do you have? |
Does it affect your credit rating for the best or the worst?
If none, how do you establish credit?... |
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 Anyone else get duped by freecreditreport.com? |
| The part that hooked me into freecredireport.com was the "free" part. Only to find out that they have a monthly hidden membership charge unless you cancel. Why can't anyone earn an ... |
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c_jayo6 | What are some things to look for when applying for a credit card? |
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 |
 
Ivy
 |
1. No Annual Fee
2. Low interest rates (APR)
3. Fixed interest rates that won't escalate
4. Offers where if you use your card, you can earn
flight miles or bonus points or cash.
There are websites where you can compare credit cards.
Here you can check those in the U.S. and U.K.:
http://www.creditcardscompare.com
Here you can check some best deals, even for students:
http://www.lowcards.com
Just google "compare credit cards". |
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telaine
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Low, long lasting interest, and no fees. Be careful, they're pretty sneaky about fees and raising the interest once they have you in hand. Read the fine print. |
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Josh D
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the apr-annual percentage rate(how much u pay) |
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Chris C
 |
Purchase APR, annual fee, intro APR, intro period, whether the cards offer cash back or reward points...
First find out what you need out of the credit card and how you will be using it. If you are looking for a low-rate card offer, you should avoid those with an annual fee. But if you travel frequently, the rewards from using an airline-mile credit card may outweigh the annual fee.
http://www.iapplyforcreditcards.com/travel-reward-credit-card.php
Do you carry a balance? If you do, you need to find a credit card that offers the lowest APR possible. Many cards offer 0% or a very low introductory APR for balance transfers or purchases. You should be aware of how long these rates last and make sure you will be able to pay off the balance before the rates expire.
http://www.iapplyforcreditcards.com/0-low-apr-credit-card.php
Do you want to earn rewards on your everyday purchases? You will be able to earn points or cash for everything purchased using a reward credit card. However, there are certain restrictions on how much you can earn and what qualify as eligible purchases
http://www.iapplyforcreditcards.com/cash-back-credit-card.php
Good luck. |
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magerk
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If there is an annual fee, percent interest, and check to see if the interest goes up after a certain time period. Also check to see what penalties are for late payments. |
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southrngirl2724
|
Fair interest rates, annual fees, processing fees, and their policy on late payments. Several of them offer great rates but if you are late more than 3 times (doesn't have to be consecutively either!) they will hike your rate to 29.99%. Then, even if you keep your balance in the good for 6 months-they're misleading statements makes you think it'll go back down to the original rate-NOT SO! It says 'could/can'. Most likely, it gets down to 17-22%. Never back down super low.
Also-look for hidden fees for establishing the account, calling customer service, online bill paying, ATM Transaction fees, cash advance etc.... Some will hit you with fees for customization of your card andother fees that you could have to pay every year instead of one time.
If you get something that sounds like a good offer-read the little chart on the back of the letter and compare with other offers you've received, being sure to also notate the annual charge-it can get higher every year and their disclaimer says they can do so without prior notice to you.
Also-try to start with a lower balance on the card. Charge it up and pay it off for several months before you go with a higher amount-you'll keep yourself out of trouble and be able to manage your spending better. (Trust me-too much credit can get you in big trouble if you're not super careful.) Never charge more than you can pay back within two payments and don't make additional purchases until the previous one is paid in full.
Best Wishes. |
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jesgeri57
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low low interest rate,
no late fees
no overdraft fee
no yearly fees |
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ShouldBeWorking
 |
Rates, Fees, Annual costs, and their policy on late payments. For example, some cards give you a 5 or 10 day grace period. Other cards charge as much as $35 even if you are late by an hour. Not that you should plan on being late, but a mistake can happen to everyone. Also, look to see what additional services they have, so you are getting the most of it. |
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JackJester
 |
Somebody looking over your shoulder while you're filling out the application and getting your personal info.... |
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?
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if you are considering a credit card make sure it has some type of reward proram like points for hotel stays or points for Airlines. |
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YDoncha_Blowme
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Annual fees and rates.
Do not go with any card that charges you an annual fee - they are already charging interest, so why pay a fee on top of that? Look for good rates - under 10%. Another fun thing - when the rates gets jacked up after six months, do a balance transsfer to a lower rate card...and keep doing this, cancelling the higher rate cards as you transfer the balance out.
One other thing - credit scores are based on the length of your open accounts - try to pay off your oldest acct and keep it open. If you close it, you will "lose" all that credit... |
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mortilyn77
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percentage rates!!! on all facets purchase, cash advanced, etc sometimes they may say that balance transfer and purchases 12.99% until March 2006 and cash advanced 24.99% from the get go. |
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