 What happens if my truck gets repossessed? |
| I put a truck in my name for my bf at the time(my ex now) He made all the payments for a year so I had no problem with keeping the truck in my name because he had bad credit. But now, he is in ... |
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 How can I build up my credit? |
| I'm a freshman in college and I just got a job part-time job and I'm interested on building up my credit. I have no idea how. Many tell me to get a credit card, but many others tell me not ... |
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 Hellp me please, i have a brother who dose not live with me and uses my address as his mailing address? |
| and he has debt collectors ringing my phone all the time threatening me ' can they legally do anything to me ? like try and take my stuff ?... |
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 Can we put money in PayPal from debit card? |
| I mean in paypal accound to buy stuff from E-bay, can we put money in in from our debit card or chequing accound, but not Credit Card. THANKS... |
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 X spouse call my credit card company and had a card mailed to a different add. can I be held responsible? |
| My X wife applied for a credit card( so she say) at a company that I currently have an account with a $0. balance and had not charge on in the past year. She was once on the account but never ... |
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 Debts owed haven't dropped off credit reports way past 7 years SOL why? and Waht to do? |
| I am helping a friend with this issue. And they inccurred lots of credit card debt back in college and then blew it off. Totally blew it off for over 9 years. When I learned of this I told my ... |
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| Is going over your credit limit just as bad as making a late payment? |
| I always pay my husband and my credit card payments on time. However, because both are close to the credit limit, a few times they have gone over the limit by a little bit because of the monthly ... |
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 Capitol One? |
| Can someone tell me how do the credit companies know what your credit limits are on your Capital One account because they sure don't let anyone but the person who has the card know the limits. <... |
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 I am searching for online job without paying any initial payment. i need money for my work. no luck and all? |
| That is if i work (eg: typing work or any other work given by concern) they will pay for that. no gambling and conditions.... |
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 Bad Credit? |
| I recently went to free credit report.com to check my credit. I thought that my credit was fine, but when I visited the site I was wrong. Whats the fastest way to rebuild my credit?... |
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 Is there a place to ACTUALLY get your credit score FREE? |
| ...without signing on for something or buying anything?... |
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 How to make your credit very good? |
| what are things i need to do to make my credit good beside paying off my student loans and credit cards and paying off the bad debts on my credit report. I know to pay things on time but all the bad ... |
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 My boyfriend and i borrowed £1000 off his stepfather last month? |
| my boyfriend borrowed £1000 off his stepfather last month, it was put on his credit card, he owes nothing on this credit card except the£1000 we borrowed. he is now saying the interest for the one ... |
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mkara_g3 | Which credit card is better for a persons 1st credit card, espically the age of 18 years old? |
There are many credit cards.
So many to choose from, so many options, & the ones that charge a lot of money b/c of it's late fees.
Which credit card is good for me? I'll be 18 years old on the 25th, & I atleast want one. |
 |
 
hi!girl
|
you are just 18! I'm so glad I caught you!
get one or two cards. don't leave a balance. meaning pay off the whole card every month. don't put more on your card than you could afford in cash every month. please don't get yourself into debt! you will be sooooo happy and proud when you get older and can get that house or car you are dying for and have no credit card debt to weigh you down.
having open credit boosts your credit score even if you pay your cards every month. don't ever pay late!!!! or go over budget.
if you follow these rules it doesn't matter which card you get because you won't have to incure interest charges or any fees of any kind!! |
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Robert S
|
There are banks that specialize in extending Visa and MasterCard credit cards to applicants who are just establishing a credit history. Pick a bank, and see how you do. Don't apply to more than one because credit applications show up on your credit report, and multiple rejections make you look desperate for credit.
If that application doesn't get you a credit card, there are two basic approaches. The first is to start with department store credit cards and oil company credit cards and build a credit history using the cards. These cards are easier to obtain than Visa or MasterCard charge cards.
Establishing a payment history will help you qualify down the road for the major credit cards. Apply to one, meaning either a department store or oil company, and see if you are approved. Wait a few months before applying for another card.
A second approach is to get a secured credit card. With a secured card, you place a deposit with the credit card company and they provide you with a credit card. The credit limit is typically equal to the deposit.
Carrying a small balance on the department store cards or secured card isn't a bad idea because it shows that you can handle an outstanding balance. I don't think it makes as much sense to carry a balance on an oil company card because it conveys a message that you can't keep current on your gasoline purchases.
It's critical that you stay current on all of your bills. Late payments, missed payments or other payment problems will undo all your efforts to build a credit history to the point where you have ready access to credit. |
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Pearl
|
Citibank is the best I've ever done business with. |
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♥Kazz♥
 |
Get a debit Visa or Mastercard - have all the benefits of a credit card but you use your own money and dont end up getting yourself into trouble |
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D M
|
I'd say none. I have never had one, and I don't intend to ever own one. Invisible money is a bad thing, and it can draw you deep down in the debt before you can blink. |
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Komic Kaze
|
The best one is your bank's debit card. It works just like a credit card without putting you in debt.
Consider this. If you spend $500 cash today, you owe nothing next month. If you spend $500 credit today, you owe $600 next month (20% interest, which is typical of first credit cards for teenagers). That extra hundred dollars is wasted into the pockets of bankers and you'll never see it again. Not to mention if you don't pay off the entire $600 you get hit with interest again next month on what you didn't pay. Assume you only pay the minimum balance of, say, $50, next month you will owe $660! If you were to pay, say, $150, That brings it to $540 the next month. At this point you've paid $150 and still owe more than you originally spent!
This is, or course, an extreme example to say the least. But regardless of the interest rate you get, you still end up having to pay more than what was spent. It is essentially a tax on impatience.
"You want it now? OK. That $250 iPod will cost you $300 if you pay it all back next month."
Why pay the extra? That $50 could go to music on iTunes. |
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beauty s
|
ochard bank, chase, capital one, and BofA |
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TJ
|
Check out "bankrate.com" to find the best interest rates and fees. Student cards have the best offers for those new to credit |
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brady ewart
 |
Prepaid credit card is a best option.
prepaid card scores over credit cards especially if the owner has a not so perfect credit history.
The rejection is non existent in case of prepaid credit cards, there are no credit checks, no employment verification, and approval is guaranteed.
With a bit of dilligent shopping and comparision of various prepaid credit card offers, it is not difficult to find a prepaid card with no annual fees, no late payment fees, no repayments, and no penalties whatsoever. So, the ownership costs of a prepaid card can be negligible.
With prepaid cards it is very easy to promote financial discipline. Since you can only spend what you have, there is no overspending, and hence no debts.
Some prepaid cards do report their use to major credit bureaus and hence are a good instrument to rebuild credit history.
Prepaid cards have wide acceptablility, and in some cases they are even more readily accepted than credit cards. Apply online at: http://www.credit-card-gallery.com/PrePaid_Card.html |
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david a
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you might want to go here to compare them, pick one that is right for u
http://www.bestcreditrates.net |
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ThatGuy!
|
Try this site...you'll find a suitable card here.
http://www.thecreditcardtorebuildcredit.com/categories/bad_credit_credit_cards |
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lore_here
|
One of those secured VISA's is good. You have to secure a vertain amount of money. Your credit is based on the amount of money you secure. So if you put in $750 then you'll have a credit limit of $500. So the untouched money is 1.5 times that of your limit.
Why is that good? The monthly minimum is low and if you ever can't pay for months and hit hard times, they can pay it off with the secured money with minimal damage to your credit. |
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John
 |
Discover has some cards with 0% intro apr rates and also some reward programs like 5% cash back on certain purchase. These cards are also good to make up credit.
To know more you can visit
http://www.creditcardbiz.blogspot.com |
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