 Credit card for someone with bad credit? |
| i have applied almost everywhere. when i was younger my mother used my name over some credit cards and screwed it all up. Anyone got a good card for someone with bad credit?... |
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 I'm buying a home in 6 months and need to clean up my credit. What's the best way to pay off my debt? |
| My debt is low, only about 3k, but it is spread out over 9 cards. Is it better to pay off the low balances first then work on the highes balance or the other way around?... |
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 Getting a credit card? |
| i just turned 18 and i have been trying to get a credit card, i have no credit history so no one will give me one. Has anyone applied for a credit card with no history and been approved for it. If so ... |
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 Is Paypal really secure? |
| I only ever use my debit card on Paypal,but in last week there have been several unauthorised withdrawals from my bank account by a mobile phone company and I do not have a mobile phone,has anyone ... |
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| If you have a outstanding debt which is 8yrs old and not payed it for 6.5 years do you still have to pay it? |
as i have now got a letter from them wanting the money in full
Additional Details
before you start slagging me off as some of you are doing, the debt was not my fault, it was through a ... |
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 First time credit card? |
I just recently got a credit card and I'm wondering if having the 24% apr that I do have is because this is my first credit card (I'm a student with no credit).
Anyway, I know this is ... |
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 My credit is ruined? |
My credit score is roughly 435. I have so many outstanding accounts. Not much debt around 7500 including student loans.. Would declaring bankruptcy help me?? I am so screwed lol.
Additional D... |
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 Is there anyone out there who will pay off my credit card debt for me? |
| its only about 15000, mostly from college. I cant seem to make any ground up on the balance. Just wondering if someone had an extra $15000 they would like to donate.... |
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 Keep getting refused a bank account cause of credit history, any advice? |
Not had a good credit history so I am being refused by banks. Are there any banks that will help does anyone know. Thanks.
Additional Details
Thanks every1 for your advice. I have just ... |
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 It is true that your credit history should be delete after 5years regardless the status of the account? |
| let say you have a unpaid account that showed on your credit report. and after 5 years should this unpaid account remove from your credit report?... |
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 Can anyone moved country and left debt unpaid? |
| I have ,like lots of other , loan (4gr) and credit card.Ive decided to move country and not come back, as my husband family live in other country.Can i just forget about that debt?My bank was riping ... |
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| Pushy debt collectors? |
| I have been paying my credit card debt each month without fail since being made redundant 6years ago.My first payment was £20 per month but it is now £60 per month.The collection agency is now ... |
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 How long does it take to get a credit card at macys? |
| After you have filled out all the info, and got accepted?... |
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 How do I get a GOOD loan for $2000 with no credit.? |
| Purpose: I need it to cover the purchase of a used car and the insurance payments for 6 months totaling $3,500. I already have $1500 cash. VERY IMPORTANT: I want to pay it off in less than a year. T... |
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EpicRacer | What is a good first credit card to go with? |
my first credit card ever. looking for something with low interest and i dont need all the extra services. my only major purchases are for 2 bikes - $1500 - $2000 each. everything else will cost less than $500. i make a little over $1000/month and i keep about 60% of that.
what card do you recommend?
Additional Details
i'll add that im 18 and ive been using a debit card for over a year (if that makes any difference) |
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Abcd
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if you do not have any kind of credit history there is no way you will get a card with a low interest rate unless you are a student and apply for a student credit card other wise you will be looking at credit cards with higher interest rates and annual fees but this happens with your first card but you once you have stablish a little bit of credit you could apply for a better one. check out www.fastcreditcardapprovals.com here you will be able to compare all major credit cards side by side on rates, fees and rewards.
http://fastcreditcardapprovals.com/ |
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rivasj27
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one from your own bank. |
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RantingLover
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A good card to start with is one without an annual fee. Because it's your first credit card you're not going to have a good interest rate and that's why I'd encourage you to pay the balance off in full while you're establishing credit.
You're most likely going to start with a small credit line, probably between $300-$700.
Most creditors will want to see 6-9 months of strong, on time payments before they'll increase your credit line. And making about 12k a year, most creditors won't give more than 2-3k as a credit line.
If you want a 4k credit line, and have the available cash, I would suggest getting a secured card. That way you could have the credit line you wanted, have a (relatively) lower interest rate because of the collateral. |
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crystal
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citi cards |
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heybulldog
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No such thing as a good credit card.
They all can raise your interest rate for any reason. It's called universal default. Read the fine print on any card.
They all have outrageous late fees and over the limit fees.
Credit cards, like the fico score was designed by banks to get people into debt and keep them in debt.
A debit card is the way to go. It will do anything a credit card will do except get you into debt. |
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mike4400
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Listen to hebulld.....if you are late on your electric bill the CC companies will raise your rates. I have seen CCs ruin more marriages than infidelity |
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matt k
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there is no good credit cards they all same ....depends on ur credit score ... |
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KimmieSue
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If you are a college student then I would go to http://mysite.verizon.net/ressg6c7/rightcharge2/id106.html
or
http://dwp_insverizonnet.ecreditdirectory.com/categories/student_credit_cards
If you aren't a student then I would try http://dwp_insverizonnet.ecreditdirectory.com/categories/guaranteed-approval |
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Mya's Mommy
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I would recommend getting a card with a small spending limit (like $500.00). I would definitely NOT recommend getting a hugh card and charging $4000.00 onto it for bikes. You should only charge the amount that you can pay off each month. |
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diana a
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you might want to get a student card or
you might want to go here to compare them, http://www.bestcreditrates.net |
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Etta P
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You should go with whomever will give you one with no credit. It is a credit crunch and the guidelines for qualifying are tight!
With no credit, you are a high risk to lenders because you do not have a history of ability and willingness to repay. It is good that you do not have bad credit, and I am not saying it is impossible, but if a creditor gives you a chance your are going to get the low interest rates available to consumers with strong credit profiles and long term history of timely repayment of debts.
On a footnote, As an FHA Underwriter I think your actions demonstrate some very well thought out choices, paying cash for major purchases (those are major for your income level) that would lead me to believe that you have a good handle on your spending. I just wanted to tell you this because I analyze risk based collerteral every day, and creditors look at those actions as predictions of how borrowers will pay in the future. You doing a great job!!!!!!
Keep up the good work!!!!! |
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