 If you have debts, who do you blame for them? Yourself, The banks or The Government.? |
| I am curious, I am part of a generation that was brought up to believe that if you couldn't afford something you did without. Today however I have a few theories why people go into debt so ... |
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 Young couple in DEBT!? |
| We're a young couple, planning a wedding and would love to own something when we get married (condo, townhouse, house..) I have no credit and he has thousands in debt. Do we use a debt ... |
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 Can my son use my credit card in the uk? |
| i dont want to change usd to gbp so im using cards but can my son use them 2? hes 16... |
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 Should I pay my credit card off in full? |
| Hi! I am a college student, and I have save enough enough money to pay my credit card off in full. Should I pay it off in full or should I make payments to pay it off. I have still been making my ... |
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 Does anyone know any thing about debit cards .tried 2 use mine 2 day 2 get connected 2 sky tv but they told me |
| that my account number was invalid.thats twice now i take cash out all the time with the same card .have cash in my account now and checked my account details and thats correct.but dont want 2 go 2 ... |
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 HELP!!!!what are small baby steps i can do to boost my credit? |
| i cant pay off my medical collections because im paycheck to paycheck with 2 kids and a house, i have 5 credit cards all with different balance all with close to their limit, i feel like everyones ... |
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 Whats the best way to overcome low limit credit cards? |
| I have worked hard and now have spotless credit, and have paid off most of my credit card debt. However my existing credit cards have low limits and that is hurting my credit score. I was wondering ... |
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 Are bill collectors allowed to call you on Sunday morning? |
| I thought there was a law about when bill collectors can call you? What are my rights and what can I do about it if they call anyway?... |
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 I HAVE QUITE A FEW DELIQUENT ACCOUNTS ON MY CREDITREPORT. but I WANT TO FIX MY CREDIT AND MY CREDIT SCORE!? |
| AFTER I PAY OFF ALL THESE DEBTS HOW DO I GET THESE REMOVED AND HOW DO I IMPROVE MY CREDIT SO I CAN RAISE MY CREDIT SCORETO 800??... |
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 Is this a scam? Pay Pal? |
| So a lady wants to buy my PSP and i need to ship it to Nigeria, and i just got an email from Pay pal saying I have recieved the money and all i need to do to be credited the money is email them the ... |
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 What are you going to do with your $600 Rebate check? |
| I know it is going to help you in a lot of ways but what are your plans for this check?... |
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 How do you attain credit if you've never had credit? |
Additional Details
read carefully, I've tried to get credit cards, and small bank loans...but don't have enough CREDIT already built up. Hence, it takes credit to get credit?... |
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 Am i screwed...? |
me an my sister share the same address and initials, im nathan shes natasha. and she has bad credit. subsequently whenever i apply for credit i am turned down.
is there any way around ... |
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 I need advice with paying off my credit cards.? |
| I owe 5800 at 8.9%, I owe 4000 at 15.99% and I owe 800 at 14.9% I have some extra money, should I pay off the lower one first then move up? Or Start at the highest interest rate? Or should I start at ... |
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 A score of 662? |
what score do i need to get a $200,000 mortgage with a 662 credit score, i ask because im only 20 i havecredit cards for over a year and all have been paid on time. my income is $30,000 year
A... |
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Ingrid is bored | When you apply for a credit card do you usually have to pay something upfront when applying? |
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mesha_kitten
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No. And if they tell you to, run cuz it's probably a scam. |
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darkdiva
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No, not unless you have very bad credit. If your credit is bad, you have to get, what is called, a secured credit card, which you have to put up the money in advance. Good use of a secured card can help you improve your credit score, but it is best to be very wise with your credit in the first place. |
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kcb
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not always but if you have really bad credit or have filed bankruptcy then they probably will ask you but there are companies out there that you should not have to pay first. |
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sexytrojan
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NO!
If there is an annual fee, it will be charged to your credit card during the first billing cycle.
If they are asking you to pay a processing fee, stay away from them. |
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Amy_S
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No. If they do...it's not really a credit card. More like a prepay card. |
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J. Charles
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Not that I have ever heard of!! |
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Brownie-Girl
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no |
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M.S. Mom
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I have never had to pay upfront. I would really check out the situation before filling out the application. It could be a scam. |
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Wite Out
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No, not at all. |
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Janine
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Nope |
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theizzardking
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not to apply if you have no credit though some companies will charge you a hundred dollars to give you credit i did this with capital one when i was 15 and just started getting credit but just to apply for one i think not but maybe depends on the company seriously i'd get a capital one card they where my first and best company i was stranded in pruage and they bumped my limit a couple hundred dollars for me to get some food and a ticket back to the uk (im an american but lived over there for years)
and captial one is an american company so dont worry about any of that just get a hold of them |
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Jodi F
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It depends on your credit. If you have bad credit or *no* credit, the card company may ask for a "deposit." This protects them if you end up defaulting. Most companies that have this requirement will allow you to earn interest on your deposit, so it would be similar to having your money in a savings account (without the ability to get to it quickly).
If you have good credit, look for another card company-- you should be able to get a card without the deposit. But, some cards charge an annual fee and sometimes this fee is due up front, but most of the time they just charge the fee to your account. |
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CctbOh
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Not if you have decent credit. There should not be any fee paid up front. |
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Marvinator
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Not on standard credit. However for a secured card, you may be required to put an amount in savings which matches the credit line. This amount would be what guarantees your card and which would give you the credit line. |
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lifesajoy
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Not if the credit card is with a legitimate company. |
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neener
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The only time you pay something upfront is when it is a secured credit card. This is usually for high credit risk people, or when you have no credit at all. |
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