 Where can I go to actually get a FREE credit report? |
They all say "free credit report" and as soon as you get to the last page of questions, they ask for your credit card.
I know there's a place some where because I did it ... |
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 How can I find out what a credit card's credit limit is before I apply for it? |
| I am looking at several credit cards, but the most important factor to me is the credit limit. Is there any way to find out the limit before I'm actually approved for the credit card?... |
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 How can a young adult (between 19-21), start up some credit? |
| I need to know because I trying to start school, and I need to take out a loan. The school I will attend is a "career training" school. Dad and Mom credits were not accepted so, now I ... |
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 No Credit History? |
| I was wondering if it is hard to get a Target Card. I'm 18, I have no credit history whatsoever, but I want to start building a credit history. I love target and know it would be a good store ... |
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 How do i stop a bill collector from calling me,because they want to talk to my daughter,without giving her #? |
| i think someone stole her ID in the pass, and now some collection agency picked up the contract. My daughter had a job where she was making over 60k a year. she just had twin girls last month.she ... |
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 Bill collector told me if i cant pay him, he could get me fired? |
| Hi i have a bill collector after me about a bill 8 years ago from a divorce. it was a credit card for 8k, from my wife... Now he wants 15k to satisfy this, i explained to him it was my wife. He ... |
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 I got approved for a car loan on by Wells Fargo. . .? |
| I did the credit app through the dealership (it went through 7 or 8 lenders--Wells Fargo was the only one to approve me because I have bad credit). Anyway, I was approved for a loan, but the down ... |
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 Credit rating? |
| How can you make it better once you have a few defaults from missing a few payments with just one company?... |
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 Which credit card would you choose and why? |
Additional Details
discover or mastercard to add to your visa credit ... |
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 Are consolidation loans worth it? |
ive got a few credit cards and a loan, at the time when i got them i had a fiull time job and found payments easy
i went back to college last year ti further my education and get better ... |
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 My credit score is 620. Is it really bad? |
| I'm planning on buying a condo. Should i wait for my score to be better? I have 2 credit cards now and don't want to apply for more. Should i get a car to help build my credit story or get ... |
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 Will we go to jail if can't afford to repay credit cards debts ? |
| I have 5 outstanding cards which had not been paid for over 1 year due to my unemployment. All of them are over limit.... |
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 My credit is improving but.......? |
| I hate having 5 different bils to pay every months so I am thinkingh of getting 1 loan to cover them all. the problem is that the loan is high apr (35.9%) but having worked it out my existing loan ... |
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 Whats the best way to build our credit without getting into a lot of debt? |
| We are young newly weds and niether of us have anything (good or bad) on our credit report. We were able (luckily) to be able to sign a lease for our apartment without a cosigner. I make the payments ... |
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 Why do we give sympathy to those with credit card debt? |
| No, I'm not referring to those whose identity has been stolen. I mean those that have, from their own irresponsibility, have bought so much stuff that they are now in mountains to debt. Why ... |
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 How do credit cards get away with outlandish interest rates? 30%??? |
| I thought there was a law that prevented them from going higher than a certain number. I used to see the highest rate being 21% but now it seems to be up to and over 30%! This is why I don't ... |
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Lynn T | What is the best card to apply for for an 18 year old to establish credit? |
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Robert S
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How to Establish Credit
Begin by opening individual savings and checking accounts in your name. Over time, your deposits, withdrawals, and transfers will demonstrate that you can handle money responsibly.
Applying for a loan is another option, but be aware that this method of establishing a credit history will cost, since loans require the payment of interest.
You could take out a bank loan secured by the funds you have on deposit or by items you own, such as a car. You could also ask a friend or relative who has good credit to cosign a loan, which means that he or she shares liability for the loan with you.
You could also apply for department store and gasoline credit cards, which generally are easier to obtain than major credit cards. Before you apply for any credit, however, make sure you understand the terms. For example, how long is the grace period or the time you have to pay the current balance in full before finance charges are added? Is there an annual fee or other fees associated with the credit? If you believe that you will carry a balance, you need to know how finance charges are calculated.
Patience is important in this process. It takes time to establish credit and build a record of consistency in making payments to demonstrate your creditworthiness. And it is much better to go slowly and develop a strong credit record than to apply for too many credit cards or a loan that is larger than you can handle.
Start slowly, be cautious, keep track of your overall debt, and pay on time. Most importantly, remember that credit actually represents real money and has to be repaid with interest. |
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kevzvixen
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any low interest (10-17%) Visa with a low credit limit
when i turned 18, i got a MasterCard with a high credit limit and low interest rate. i figured i could spend all i wanted and pay the minimum payment every month. but as soon as i reached my credit limit the interest went to 26% and they wanted me to pay it ALL back at once.
be careful with any credit card you get. it's easy to get caught up in credit card debt. |
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Mr. Spock
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a Joker card |
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Double A
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Anything with a low interest rate, and no annual fee. Use the card a little each month and pay off the balance every month so you don't have to pay interest. Make sure you can pay it off every month. The key to using a credit card to build credit is you have to use it. If you just have it and don't use it, it can actually hurt your credit score. But pay it off every month so you don't pay interest. |
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twosey ♥
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If you are a student, it won't be difficult to get a credit card. Having a bank account helps, and so does having a job, but creditors like students... the credit limit will probably be low, but if you pay ontime it will go up over time |
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beauty s
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Orchard bank |
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Jeremy P
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You can find a complete list of credit cards to help establish your credit here:
http://www.asapcreditcard.com/unsecured-offers.html
Although these offers tend to have higher interest rates (and additional fees) when compared to standard credit cards, they'll help you build your credit history and improve your credit score over time. Eventually, with regular on-time payments-- you'll be able to qualify for better offers with lower APR's and less fees.
OR, if you're going to college... you might try a 'student' credit card. You can find a complete list here:
http://www.asapcreditcard.com/student-cards.html
Student credit cards are a great option and tend to have slightly higher interest rates too. But you'll pay less fees than credit cards for people with poor / no credit.
Hope this helps. GOOD LUCK! |
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Mamta M
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There are lots of queries on credit cards and people asking it now and then. Credit Cards are often used both online and offline. You need to choose the better credit card for you.
You must know all about credit cards and how to use credit cards offline/online and how to get the best credit cards in the blogspot down here. There are<!--lots of credit cards to choose but you need the best one to satisfy your needs. There are many credit cards out here but you need to choose the right one for you. To know how and more about credit cards,
Please visit
http://buyfreecreditcards.blogspot.com/
Everything you need to-->know about credit cards. Hope this helps. Thanks. |
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SALSA
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I would go for a small dept. store, a fashion bug or old navy or something like that. Purchase something, pay it off, do it again, pay it off, a third purchase, pay it off. After 3 or 4 months then go for a biggy like VISA. |
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$m¤¤v¥ £¤¢¤
|
The first poster brought up some very important, interesting and valid points. I would like to add a couple of things to that if i could. The easiest way to establish credit without even having to search for a card to do it would be to ask a close friend or a family member with excellent credit to add you as an authorized user to their oldest credit cards that are in good standing. This is perfectly legitimate to do, and often times the best way to establish credit. The activity from the account would be added to your report once added, that is if you're able to go that route.
Another route would be to apply for a secured card. This card is the easiest to get, however you would have to put a deposit upfront that's usually linked to a savings account to get the same amount of the deposit in a line of credit. For example, a $300 deposit gets you a $300 credit line. Now keep in mind that this is only temporary. And you can increase the credit line by adding to the deposit every now and then. You could think of this as building credit by using your savings account. The deposit is gaining interest just like a savings account, the only difference would be is that you woudn't be able to withdraw from the deposit in order to pay the card. But as long as you don't max out the card by keeping the balance low and pay more than the minimum payment on time every month, you won't even worry about that deposit, especially after a year of good standing it gets refunded back to you anyway and either the card converts to an unsecured card or you'll receive an offer for a better card. The higher you boost your credit line, the better it will look when it does become unsecured, as it will improve your chances for getting bigger line increases earlier and more often.
I posted links to a few secured card companies, including Orchard Bank which specializes in cards that establish and reestablish credit
Good Luck! |
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