 Bank Account and Routing Number - Should I be worried? |
If you gave out your name, bank account number, and routing number, can the person use this for identify theft or stealing money from your account?
Can they use it for anything bad?... |
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 Does your credit score really go down each time that you apply for credit? |
| I've been told that my credit score will be lowered everytime that I apply for credit whether applying for a personal loan, car loan, credit card, etc etc......is that actually true?... |
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 Debt collector? Scamming me? Pinnacle credit services? |
| I have no debt. Letter they sent me have my exact address including the apartment number My last name is correct but different first name. I lived here by myself for 8 years. What's going on?... |
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 Getting credit??? |
| I am wondering how in the world I can get credit. I am 18, I don't have credit at all. Nobody in my immediate family has credit or good credit. I have tried to get credit cards, but I have been ... |
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 When depositing a check? |
| Ok I bank at Chase,and I was trying to deposit my check into the atm.I was wondering how fast will the funds be available to me after doing this.Im new to this.Thanks!!... |
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 How can I settel credit card? |
| I have applied for a 0% APR credit card until August 2008 from Chevy Chase Bank, the creditor is USA First. I have been told my minimum monthly payment would be $18.00 which It nebver happened. Now I ... |
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 If someone got a hold of my credit card number? |
Realistically, what could they do with it?
My Wife freaks out when i throw out old receipts with our credit card number on them, but I tell her they would need our full name and exp date ... |
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 How does knowing your credit score save you money? |
| Your credit score is your credit score. There is very little you can do about it or with it. It is like your age or I.Q. How will knowing what it is help you?... |
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 Can I remove a late mortgage payment from my credit report? |
| Is this possible? There are companies that say they can. Is that true?... |
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 Good first credit card? |
Apart from capital one, which i already have, whats a good first does anyone know of a good first credit card for building credit?
(I don't have bad credit, just limited and am trying ... |
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 I Owe $8000 on My Discover Card....Can i negotiate with them to pay half? |
| I been paying $224 a month never missed a payment, But i am losing hours at work, and owe on to many things...Is it possible to pay just half of the $8000 say like $4000 and if so how can i do this..... |
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 Can I solve a debt problem before going to court? |
| After my divorce I ended up with almost all the bills. Some of these ended in collection; now I received a letter stating that I will get sued. I called the agency and told them that I want to start ... |
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| Whats the fastest way to build credit? |
| Whats the fastest way to build credit? I have no damn credit history. What should I do? what credit cards are easier to get? have long will it take before I get my own credit card? any tips? ' 5 ... |
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 Is it best to ring debt collector companies? |
| When it isnt your debt.I keep getting debt collector letters sent to my address,they are not for me,its not even for a previous tenant and I have lived at my address for 4 years.after the first ... |
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 I have some old debt on my credit should I ...........?? |
| just let the 7 year period run out on them since they're so old or what? I don't use any of my credit anyway as I pay cash for everything and my husband's credit is excellent. So we ... |
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mandaz86 | What company will give you a credit card when you have no credit? |
I am 19 years old with little to no credit history. I was able to get a credit card through a department store but was declined for a credit card through the bank (where i work none the less!) and for another one through a store.
I am not desparate for money. My reasoning is to build my credit score. I would perfer not to take out a loan to build credit until i actually have something i need a loan for.
So... Does anyone know of a credit card company that will give someone like me credit card? I dont want to keep applying if I am just going to get rejected everytime. Thanks!! |
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$m¤¤v¥ £¤¢¤
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The first two posters did not mention that Capital One currently reports the current balance as the credit limit giving the appearance that the account is at the limit, which isn't good for a credit score. This has been also made public, and Capital One will not start reporting correct credit lines until later this year or the beginning of next year. I understand in your question that you applied for a credit card through your bank and was declined. You may want to check with your bank again to see if a secured credit card is offered.
Secured credit cards are easy for people with little credit to get approved for mainly because they require a deposit usually tied to a savings account as collateral to establish a line of credit. The deposit isn't used to pay for the balance on the account unless it's severely delinquent and/or it's charged off. 2 major benefits of secured cards is the minimal chance of getting declined and also the ability to control the credit line by adding to the deposit. In a sense, you could very well "customize" a credit card by adding to the deposit to increase the limit, which looks good on a report. If you're saving for a major purchase let's say like a down payment on a car or a house, a secured card not only helps you save that money, but you can also build credit at the same time. Another benefit of a secured card is that the deposit gains interest just as a savings account would while you're building credit.
A good practice in using the card would be to make a small purchase ($20/month) that can be paid off on time every month while adding to the deposit to increase the credit line. Usually after a year of doing this, the card either will convert to a regular card or a better card will be offered. and more importantly, the deposit is no longer needed and is given back. Now not only you would have a high limit credit card, you'd also have a nest-egg saved up as well. Something to think about.
Hopefully this answer will help
Good Luck! |
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missclare69
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if ur in the uk try this one vanquis. www.vanquis.com
or capital one www.capitalone.com |
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Sinnary
 |
If you're in college, practically anyone will give you a credit card. Just look for credit card applications on the college campuses. If you can't find any at yours, go to the major university campuses. If you're not in college, take a couple classes at a local JC, then, get a CC.
good luck! |
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Delaina77
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Try Orchard. They are a good starter card and if you really don't have enough credit for a credit card they will probably offer you a secured or partially secured card and then you can turn that into a real credit card after a year or so. |
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tonalc1
 |
Talk to the major companies about getting a secured card, where you deposit money against which you charge, thus building up a credit history. |
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Raven
 |
wachovia bank
household bank
first premier bank (beware they take out like 200 dollars from your credit limit)
also keep in mind, the more you apply for a credit card and get rejected it lowers your credit score even if you dont have a score it looks bad. same thing when u get credit checks like where your getting a car. |
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crystalblue4747
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Got my first one through Capital One, however they are terrible to deal with so if you do get one just pay the balance off in full every month...also a good thing to keep in mind is to always try to leave at least 80% of your limit open in other words dont max out your cards, that can damage your score. |
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Rick Ven
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Try Capital One. If not, there are many companies offering secured visa or mastercards. You pay $500 or $1000 and you get a limit for that amount. 12 months into using and paying it off and you should be able to get a bank card. |
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john
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Capital one has several credit card offers that are designed for ppl like you who has no or limited credit. They are easy to get approved and has no annual fee. |
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