 Debt collecting practices? |
| When I was 25 and under my father's insurance, I had surgery. Now, two years later, I must have missed a small bill that insurance paid some on. I moved from home and guess didn't receive ... |
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 Bank accounts frozen, what is the best way to negotiate with the collection agency? |
| I woke up today to find my checking acount with a zero balance, I went to the ATM and could not withdraw funds from my savings accoung. I called up my bank and asked them what was up and they said ... |
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 To file for Bankruptcy or not? |
| Can anyone explain to me how the bankruptcy law works in the USA. what does it really entail and how long after that can you be credti worthy again? IS this a good idea or its just an easy way out ... |
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 APR for a Personal loan... No Credit history... HELP!? |
| I have a friend who is trying to buy a car off of my parents. It's $4000, and she's trying to take out a personal loan. She has NO credit history, but she has a savings account at C... |
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 Best way to find out your credit score? |
| i know there are tons of online "services" that say they can find out your credit score. are these for real? i need to know my credit score...... |
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 Should I file Bankruptcy?? |
| I am about $16,000 in debt but I already have a judgement against me for $3,000. I was served with papers for past medical bills and I had a car repo'd about 3 years ago and they are threatening ... |
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 What would cause somebody's credit score to decrease? |
| My fiance and I have been working really hard to repair our credit. He recently paid off the items that he had in collections and all payoffs were reported to the 3 credit agencies; however, when he ... |
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 ????What is the fastest way to raise your credit score????? |
| Im working on getting a new house for me and my family and i need a good credit score to buy the house so please help me PLEASE... |
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 Do YOU really care about this so called 'financial crisis'? |
| Lets face it, who is really bothered about all this world crisis? (over money?) It wasn't our fault and what exactly is the government 'rescuing?'... |
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 Credit Cards?? |
| how can i build credit when no one will give me a credit card? I am 21 years old and i was wanting to get a credit card...PROBLEM...i have bad credit from things that i didnt know caused you to have ... |
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 I have been getting offers from a company that offers to take over my debt? |
And they tell me I only have to pay 50% of the original debt The debt is over 7 years old. Should I go for it or just ignore it?
Additional Details
I need to add something---- They are ... |
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 How unusual is it for someone NOT to own a? |
credit card in this day and age? People look at us like we have lobsters crawling out of our ears when we tell them we've never owned a credit card.
Additional Details
**edit** We ... |
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 Should I refinance or file for bankruptcy? |
| My credit is poor so, if I refinance I will be paying a very high interest rate but, if my credit is already bad anyway should I just file for bankruptcy?... |
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 I just turned 18, what is the best way for me to get a credit card? |
| I want one that I can use anywhere, not just a store credit card.... |
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 My 12 year old son wants a kids credit card any good places you can recomend? |
| He wants a proper card that he can use and not a pass book, he wants a good interest rate if thats possible.... |
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winterheartcitadel | What is a good credit card to get when first est. credit history? |
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broderwick
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Try your bank. Visa or Mastercard are accepted everywhere. If they will ,go for a modest credit limit. If you do the right thing and pay it off each month ( everyone should) , the bank will offer you an increase on your limit. |
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das_coon
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Most major credit card companies have a "new to credit" or "student card" which are basically designed as a way to establish a credit history.
I would personally recommend either a secured card which you can get from a bank you already have a relationship with or a real credit card with no annual fee.
Major issuers like Capital One have products that you can apply for from their website which offers no annual fee, and an APR of slightly less than twenty percent. No fee is very important because with a low line of 300-500 dollar a $50 annual membership fee is the minimal equivalent of a 20% interest rate, regardless of if you use the card or not, pay in fll or not. Later, when you have a better card, you can still keep the old card open at no cost to you.
I hope you plan on paying your card in full. Establishing a credit history isn't worthwhile if your history will only show a slow decline into indebtedness which will reduce your options in the future. |
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Herman
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go with discover they give you 5% cash back on your purchases and 0% APR for whole year and no fees. |
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magnadudl
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Go to your bank and tell them that you want a secured credit card. You give the bank $300 (per se) and that will be your credit line. You spend money on the card and pay it back every month, just like you would a regular credit card and usually after about a year of steady on-time payments the bank will usually increase your credit line, which is unsecured. Once you make your first monthly payment it will show up on your credit. |
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brady ewart
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prepaid card scores over credit cards especially if the owner has a not so perfect credit history.
The rejection is non existent in case of prepaid credit cards, there are no credit checks, no employment verification, and approval is guaranteed.
With a bit of dilligent shopping and comparision of various prepaid credit card offers, it is not difficult to find a prepaid card with no annual fees, no late payment fees, no repayments, and no penalties whatsoever. So, the ownership costs of a prepaid card can be negligible.
With prepaid cards it is very easy to promote financial discipline. Since you can only spend what you have, there is no overspending, and hence no debts. Apply online for a best prepaid credit card at: http://www.credit-card-gallery.com/PrePaid_Card.html |
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david a
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you might want to go here to compare them, pick one that is right for u
http://www.bestcreditrates.net |
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ThatGuy!
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Try Orchard Bank, they're quite reasonable.
But whatever credit card you get, make sure you don't pay high annual fees.
Unless you spend a fortune, paying an annual fee for rewards probably won't be worth it. |
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toodeemo
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Orchard or Capital One. Stay away from Premier or cards that charge you three hundred bucks to open the account. |
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Yils
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I would try to get one with the lowest rate you can, but if you are just establishing credit your rates prolly wont be that low. Look around research the lender if needed read the small print, and be wise while using your first credit card. |
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Etta P
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First credit may need to explore is a secured card or ask your parents to see if they will ad you via an authorized just to enhance yours so you get more. Buy be carefull |
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