 Does anyone else find loan adverts really annoying eg picture? |
if I want a loan the awful ad's wont make me get a loan through them.
I'm less likely to go to Picture loans or the one with carol vorderman. I think they should spend less on ... |
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 How much interest can credit cards legally charge? |
| I am a new york state resident with a credit card that just sent me a bill with an APR of 32.24%. I am in good credit standing (make all my payments), but am carrying too much debt relative to income.... |
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 Should I cancel my Discover card? |
| I've had a Discover card for about 10 or 15 years. Back then it was one of the few cards I could get. I HATE the company. They are constantly calling me with lame offers and mailing me those ... |
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 Do we really need credit cards? |
| I'm still a minor , and I'm just curious , Dealing with credit cards ( from what i've read ) Seem's rather difficult and annoying , So do we really need credit cards now a days?<... |
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 What is the best way to go about financing a car when my credit is very average? |
| I don't want to put alot of money down and would like reasonable payments. Can I get pre-approved by my bank of 20 years? What is the best way to go about this?... |
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 Why do banks put your check on hold for 2 weeks after deposit it jst bc its a out of state check? |
Additional Details
its a check freom work so it couldnt be bad i hope this doesnt happen everytime i deposit a ... |
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 I got a home loan for 4% fixed is this too high or about right? |
| check out http://get-a-home-loan.n I got the quote at 4% over 15 years is this good or bad?... |
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 A Question for people with debt coming out of there ears.? |
| Why do you try to spend money you have not got. Yes we would ALL love an £80,000 merc stood on the drive, But if you cant afford one why try to buy just to impress the Joneses. Who are these Joneses ... |
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 "what is meant by credit card balance transfer"? |
| can anyone explain to me what does it mean credit card balance transfer and how it can be done within different credit cards..... |
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 My credit card company is harrassing my family but offering me a settelment is any of this right or legal? |
| ok i've always paid my credit card on time,usually min. payment but anyway we have fallen on some serious hard times and its very late, they have offered me a settlement of only 20% of the ... |
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 My Boss Is Stealing In $ In My Name Help...? |
| Help!!! My boss is stealing money in my and another employee's name..He is doing it by posting fake refunds on cash paying customers. He took $350 in my name..I know because i did some ... |
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 If I have a credit score of 814, should I cancel some of my credit cards that I do not use? |
| I have about 9 cards of which I only use 4 on a regular basis. My concern is if I cancel the cards I don't use, will it hurt my credit score.... |
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 Can I make $6,000 in 13 Days? |
| Yeah... you read that correctly. I got a letter from People To People Sports Ambassadors inviting me to go to holland for basketball in the Friendship Games. I have read that it costs around $6,000. M... |
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| What is money laundering? |
| I live in france and I can't open a M&S account in U.K. because of ''money laundering. (which I would like to use when I go back to visit family).... |
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 Need private lender for bad credit loan, cant get approved, have great income.? |
| credit shot due to me making payments on a house to someone who then didnt make the payments to mortage co. then they broke in and stile a bunch of stuff. so much for take over payments. looking for ... |
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riv3ndelle | What is the best credit card to get when you have no credit history? |
Capital One? or AmEx?
Additional Details
What builds up your credit fast? |
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Kevin B
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Try applying for Cap1 or Discover. If you get denied you may have collections or something else negative on credit. You'll want to open a secured account at either Bank of America or Wells Fargo where you will put money into a savings to act as collateral. When you close the account you'll get that money back plus some interest. Stay far away from companies offering a secured account that don't ask for a deposit. They will give you a card with a full balance! If the card has a $200 balance, you will owe $200 of the bat. They say that they're doing you a favor because if you pay them on time you'll get better credit. Your credit score is determined by a large part by your balance-to-credit limit ratio. The lower you keep your balances compared to your credit limits, the better your score will be. Using these scam cards you are giving yourself a ratio of 100%! Stay with the big dogs or your trusted local bank if you go with a secure account. Keep your ratio under 50% and your payments on time and you'll get offers for unsecured credit cards in 6 months or less. Get two or three of those (keeping them under 50%) and you can close the secured account, take your deposit, and buy yourself a "congratulations" gift with the $200. |
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mllytton
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Capital One but be carefull of the interest rate and membership fees. |
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Zoila
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Whatever bank you choose to obtain credit from, be sure it's a Visa. Visa has better benefits than any other card. Like extended warranty and zero liability.
Now, since this is your first card, be sure you stay with it to build history. Additionally, your credit line will increase if you keep your payments up and with time, you can ask the bank to lower your interest rate.
I recommend that you start with Bank of America Classic. If your income is high enough, start with a Gold. With time, seek to obtain a Platinum or Signature.
Click below for more info ont the card types: |
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Elrico Delamonzo
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discover card they gave me on with no credit history. Or you could try a department stores credit card to build up some credit so you can get a major card later. |
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kaitlyn399
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Capital One! My sister has them...And she has no credit! |
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gagger
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TRY GOING WITH A SECURED CREDIT CARD FOR YOUR FIRST CREDIT CARD THE FEES ARE LESS AND YOU SET THE LIMIT WITH THE AMOUNT OF MONEY THAT YOU PUT INTO THE ACCOUNT CREDIT CARDS CAN BE DANGEROUS FOR YOUNG PEOPLE BECAUSE NOW YOU HAVE ALL THIS MONEY ON A LITTLE PLASTIC CARD AND SPEND MORE THAN YOU CAN AFFORD AND THE INTEREST GROWS WITH EACH CHARGE YOU MAKE ON THE UNPAID BALANCE,AND CAN RUIN YOUR CREDIT REALLY EASY BE CAREFUL |
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thedoc64118
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neither, get a gas card then pay it off. Plus you must pay your bills on time to create a credit history. |
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5150
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If you have a couple hundred dollars, then go to your local bank and do a secured credit card with them. If you do not have the money, then Cap One, First Premier, and Cross Country Bank, all have "entry" level cards. These cards come "preloaded" with fees, usually about 180-200 dollars worth for you. They usually give you a 300 limit to start, and charge annual fees, and other various fees. Just get one of them type to get you in the door, and in about 6 months, after you have paid and kept it at a zero balance, approach HSBC or Orchard Bank, to get a 2nd card. You want to keep 2 CC's open at all times to keep your score as high as possible, but just take your time, do it right, keep zero or low balances. They will not cancel you because they charge you annual fees and such, where as department store cards, as well as others will cancel you for inactivity if you dont use them. |
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Aaron
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Go to Citi or Discover. Really anybody will give you credit (with low limits), and these two have the best rewards programs. Just be 100% sure that if you put something on there, you have the money to pay for it. You'll be much better to just stick with no credit than to have the only thing on your report be negative. |
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Count_Dooku
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Capital One. |
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alaskangirl
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try the website FreeCreditCardSearch.com |
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asif_ca
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none of these master card is best |
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