 Credit cards after bankruptcy? |
Please do not judge me or post nasty comments about bankruptcy...
My husband lost his VERY good paying job and could only get a job paying about $50,000 less. We got into a bad spot and ... |
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 Should I file Bankruptcy or pay my debt? |
I am about 30,000 in debt, mostly from credit cards.
I was married already when the debt occured but they are all in my name, not my husbands. This weighs on me alot. I stopped paying on ... |
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 Actually, I had an interviewer ask me if they could check my credti??? I just said politely.. Why would? |
| you want to do that?...They explained it is policy and so forth...so my answer was No...I said it very nicely...I was SHOCKED that they wanted to go into my personal business????...My credit is fine.... |
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 When I try to add my credit card to my paypal account it keeps saying it is already in use by another account? |
| At first I was just using my paypal account to buy things on ebay; I was not selling anything. Then I wanted to sell something, but ebay said my email address could not be confirmed, so I had to ... |
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 Desperate for cash please help!!? |
| I've just found out that my newly aquired husband comes along with alot of debt..I need some ideas of how to make some extra cash..I've done the ebay,online surveys and I've already ... |
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 What Happens if I stop paying on my car loan? |
| Back in March, I purchased a car from JD Byrider with 22 % APR...( I know, I know). A week ago, I was in an accident, (a hit and run), so I didnt get any license plate numbers. As a result of the ... |
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 How old do you have to be to apply for a credit card? |
| How old do you have to be to apply for a credit card? (Discover, American Express, Visa...)... |
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 Can I use more my debit card and spend more that what is in my account? |
For example, what is I have 5 pounds in my account, but I want to spen 10. Will my card work?
I know there is the risk of overdraft, but I need to spend the money today and I will put it in ... |
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 Do you think there should be harsher laws with people with delinquent debt? |
| Ok here is the thing, i see people owing thousands of dollars in debt and get away with not being forced into paying it. For cc companies/collection companies dont sue because its too much hassle ... |
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 What's a good way to build credit, when you have no credit? |
I tried two department store and I wasn't approved because of innsufficent credit.
So what is a good way of getting credit?
I was wanting to get one item at a time and pay it off ... |
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 Took phones as I knew I am leaving for good.? |
| I am leaving London for good.But I live in one of the EU countries.I have 5 contracts. All with different companies.one from "carphonewearhouse",another from "phones for you"...... |
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 Is it better to make the min. pymt. on c.c. ? |
| I'm trying to build my credit and I was wondering if I should just pay the min. payment due, or if I should make a bigger payment to kind of show "good faith" , so to speak.... |
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 Can i get an auto loan? |
Im 17 with no credit, just got a job at McDonalds; havent had a Real job before that except for mowing yards, yard work etc,
I need $8000 for a car i want; and my parents could co-sign, ... |
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 Where can i get a car loan with low interest? |
I have ok credit and have been approved but the interest is 15%. That seems really high. Is that average? Wheres the best place to get a loan? I live In Indiana if that makes a difference.
A... |
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Karmically Screwed | What credit card is best for someone who's never had one? |
I'm lookin though some stuff on credit cards... seeing that I need one. I have some money saved up, I'm 18 and I've never had a credit card before.. so this whole thing is kinda new to me.
Just thought I should post the question while doin' a little research on my own. And see if anyone had any advice on what kind of card I should get and whatnot. |
 |
 
keni
|
The criteria for choosing a credit card seem to be-
No annual fee (a few have)
Visa not Mastercard (in my opinion!)
Interest rate (although if you are sure to pay off the balance in full every month, the interest rate does not matter)
Number of days credit - there is a cutoff date for when purchases will be included on the next bill, this is different from one card to another.
Affinity - some cards give a percentage of their commission to your chosen charity
Points - you can earn airmiles on some
You might like to consider when you want the bill, possibly just after you pay cheque each month. Mine is on the 11th.
It really is best to pay the balance every month, annual interest can be 25% in some cases! The bill tries to draw you into paying the minimum.
Don't use a credit card to get cash, it costs a lot.
Don't use credit card "cheques", ditto.
Never pay the bill late. It cost me $35.
But, as hinted in other answers, it is a good way to build up a credit rating, which might be good when you apply for some jobs. |
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Waine
|
just remember that it isn't your money, spend only if you
have funds to pay it back when the bill comes.....
get stuck into these, just soak it all up over time and it'll help
build up your knowledge:
http://credit-cards.ebookorama.com
http://finance.ebookorama.com
http://credit.ebookorama.com
http://credit-repair.ebookorama.com
if you get any luck please don't forget about me lol, hope it helped you! |
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Niki
 |
Either through your bank, of most capitol one cards have really good apr's. Just DONT get the universal mastercard ( boy that was a huuuuge mistake). and read all fine print! |
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Janice Tee
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http://www.creditcards.com/ |
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MaqAtak
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They're all pretty much the same. Shop for the one with the lowest interest rate.
Here's something they don't tell you up front about credit cards - they are very expensive to use! Be very careful with it. |
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godsimage74
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i suggest staying away from them but if you really feel you need one discover is the best one for beginners. they cater to students and young people and you won't get a large credit line to start out with....most likely |
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Eric P
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Try not to get one.. |
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As Chilli
 |
ANZ Qantas Frequent Flyer |
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RY
 |
Visa and master are about the same. Do not get American express unless you know you are going to be able to pay off your entire purchase each month , because the entire purchase is due monthly. Visa and Master charge interest monthly, so, use those cards only when you have to . Pay them off at month end if you can to avoid paying interest, but you do not have to pay the entire balance at month end, but, you do with American Express. |
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blue_entity
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My first credit card was thru my bank. They had a 'student' credit card. there was an awesome percentage rate, and it built my credit...before I ruined it! Be careful. |
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love_movies2
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Discover Card because they give you cash back that you can accumulate and buy items they offer or better yet, put it against your account to help keep it paid off.
What ever you do with any credit is to pay it off as soon as it comes each month. You will get a good credit rating and you will not have to pay any interest on your credit card.
Also Discover card is great on watching for illegal use of your card. They call me if they think that a transaction might not be mine while it is actually being used! |
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Moonfairy
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You don't need at CC especially at 18! Don't get one, the interest always keeps you paying, and paying.. |
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David A
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Try this website to compare over 100 credit card http://www.bestcreditrates.net |
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Ladeebug71
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none, stay away from them... |
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remylebeau
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Try not to get one, they are a nightmare when they get out of control.
Stay away from Discover. They are nice to you until something happens and you are late with one bill, then they turn into satan. |
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