A little less than a year ago, i stopped paying my credit card. I know, I'm a bad bad person but I was a stupid college student. The amount I had on the card was only 600 bucks. It eventually ...
My ex and I had a joint credit card in which we were both liable. She racked up a huge bill and then filed for chapter 11 bankruptcy. I understand that I can still be held liable. Now here is the ...
I have $12,000 credit limit on my cards and owe a total of 47cents.
How much credit card debt do you have and are you able to pay more than just the minimum payment per month?...
I have my VISA card and a taxi company charged me last July about $500 which I did not use. I called VISA last August and they said they will examine it. But I'm in foreign country and couldn...
I've heard stories about some people calling in to the bank and threatening the line operator that if they are not given a fee waiver for the next year, they will simply cancel their card ...
If you used to have perfect credit but have made some late payments following a move, job loss, deaths in family or health care crisis, erroneous charges or other fraud on accounts, or other life-...
I have heard about credit repair companies that can get negatives off your credit report but have heard that there are alot of frauds out there too. So has anyone actually tried one that works?...
I make 48k per year. Circumstances that have led to bad credit rating are a 60 day late car payment that occurred two months ago. The car has since been paid off. Credit cards are close to the max ...
I have 10grand in credit card debt, plus about 25grand in car loan debt. I have heard that debt consolidation is actually worse for your credit than bankruptcy, is this true?...
I have $100 on it. It is activated but everything I try to buy that's under the amount says its declined except iTunes. So I bought a CD for $30 but it came back saying it was declined what ...
My sister had her Identity stolen from her when she was 13 years old. and now she is unable to get the funds she needs to go to college. She is now 23 almost 24 years old. She has put a flag on her ...
Credit cards are not the only way to build your credit. No company will let you sign for a credit card. You'd have to have your parents get you one. When you're 18 you can get a credit card. There's other ways to build your credit. Like paying all your bills on time.
Jeff
At 17, you have as much legal authority to sign a credit card as your pet bulldog.
Oh wait, the credit card companies are giving cards to dogs these days.
But seriously, go to www.daveramsey.com and see what a wonderful life you can have without credit cards.
Bert
Because of your age and probable lack of credit history it will be necessary for some parental assistance to sign the forms.
I would recommend starting off with a secured credit card. This means that you deposit X amount of money in the bank as collateral for the credit card and your credit limit will most likely be the same as the deposit.
Pay off your credit card bill on time in full every month and after 6 months contact the bank and notify them of your responsibility and they will most likely upgrade you to a unsecured credit card.
A big part of your credit score is length of credit history so make sure to never close that credit card and you will have a lengthy credit history when it comes time for you to sign a mortgage and you will be far above the curve.
Best of luck to you.
Eyad E
apply and see
bodaggin
It is great to see that you want to attempt to build your credit rating at a young age, you have a responsible attitude towards your finances.
I would go in to your current bank and ask an account manager to take you through your options. And if all else fails and there is nothing your bank can do to get you a card, credit card companies will issue cards to as many people as they can, try out whatever you think will get the job done!
Sandy Q
http://cards.hotusa.org - try this one. I personally use their cards.
It is also very good to build credit rating. They allow joint account with a cosignator (you will need one cause you are 17).
Caramelized77
its best to learn how to save then to build up your credit. You will have a more peaceful life if you stay away from CC's.
as long as you can. These people just find ways to charge you. Just save and learn more about investments. IRA's and CD's. I wish my parents tought me about these instead of CC's.
RanaBanana
Live your life without debt and you'll have no use for credit or credit scores.
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