 I have recently applyed for a cedit card from cgs i had to pay $50 so why havent i been acceped? |
| they said my details have been passed onto virgin i have just been on there and been refused why and what was the payment for if im not gonna get a bluddy ... |
|
 I have a credit card qeustion? |
| i have thought about getting 1 of those credit cards seen on tv,the 1 u buy at the grocery store where u can put the amount of money u want on it,wat is those kinds of credit cards called,plz ... |
|
 Fixing my credit? |
| how can i find out exactly how much i owe and where to? trying to work on paying off all my old bills. thanks...-... |
|
 I am 18 years old but have absolutely no credit, so what type of credit card should I apply for? |
| I am 18 years old, have no credit at all, have nothing in my name, but do have a job. I applied for several credit cars (Capital One, Sears Card, Firestone Credit) and they all denied me. I was ... |
|
 Can anyone, please, explain to me how a credit card works? |
| I am a new immigrant - I have been in the States for 2 years, but just got my Resident status. We do not have credit system in my country, so it seems to me to be extremely confusing. My husband has ... |
|
 Quickest way to build good credit from no credit? |
| I'm a 20 year old college student with no credit history and I just got my first credit card, a WaMu Secured Credit Card with a $29 annual fee and required deposit. My question is, what is the ... |
|
 Is it best to pay a credit card bill early or on time? |
| to establish a decent credit..my next bill isnt due till sept 12th, what is better? to pay earlier then that date or on time. ... |
|
 Can I be sued for a ten year old debt? |
| I have an unpaid debt of originally 700 dlls with a phone company formerly knonw as Pacific Bell in California. That company eventually became SBC and now ATT. I just got a call from a collection ... |
|
 Credit cards and credit score? |
in order to improve my credit score should i pay the cards off every month of leave a balance? and why
Additional Details
if leaving a balance is recommended explain why and how much ... |
|
 My sister used and signed my name to purchase a car. What should I do? |
| The credit bureau is showing that it is my debt, but the company which she got the credit from does not have me in their database.... |
|
 How can i earn money online by just typing??? |
| Almost all sites about making money online is A BIG SCAM!!! most of them send virus to your computer!!! Does anyone know an online job as a typist??? Most sites have these bold texts about how to ... |
|
 Credit card vs. loan? |
| I have a debt of 28,000, and a loan for it for 12.99% for 96 months (611.00 payment). I have been thinking about transferring the debt to credit cards: 16000 at 1.9% for 8 months then 16.99% after, ... |
|
 If I co-sign for my brothers auto loan, will it appear on my credit report? |
| I would like to know because I'm trying to buy a house very soon and would like to help my little brother out. I just don't want to mess up my chances at getting a ... |
|
 I am looking for a web site that has good info on how to repair bad credit..any suggestions? |
| i considered "eliminate bad credit for good on line sites" to my understanding they're scams...bankrupcy sounds like the last option and i'm not that bad in debt..less than 5000...... |
|
|  |
VANdalized | Which credit card is the best for someone to get started establishing credit.? |
Without to many hidden fees. |
 |
 
shawonzo1
|
None of them.
You do not need a credit card for ANY reason. Not even for a home loan. Home loans can be underwritten. See a good mortgage broker and they can do it without a credit rating.
If your heart is set on obtaining one, become a member of a local credit union. They tend to have the best, basic forms of credit cards. If you go this route, DO NOT set your credit limit above $500. Why? Temptation, procrastination, etc. Things happen.
I recommend using CASH. Debit Cards too. There is virtually NOTHING that you can buy without a DEBIT CARD. The protections that consumers have with CREDIT CARDS also applies to DEBIT CARDS. It's Federal law.
I have 2 credit cards. I don't use them. I am letting one expire on purpose... lack of use.
I will keep one because I travel extensively, and since I wear out my debit card quite regularly, I do need one.
I am debt-free, except for my house and my wife's car. It's a great way to live and be wealthy. |
|
shane_ashley2000
|
Go to your Bank credit cards are too high on intrest rates. Plus it is too hard not to just swipe the card at the checkout. CASH and bank loans if you must have a bank loan.
Try saving the money then buy what you want instead of oweing someone |
|
Tater Salad
 |
Get it through your bank. Visa or Mastercard are good starters. Stay away from American Express as they aren't very convenient to have unless you're rolling in $$. |
|
Ric
|
Credit cards are not the way to start credit, they show an open end balance of unused funds and your credit scores will reflect just like if you have all the moneys available borrowed , start a small loan for 2-3 yrs at a bank and pay on time every time, if you must get credit rating from a credit card, then have your parents add your name and information to their card as they make payments and use credit wisely your credit rating builds some too and you have no risk of overextending your parents card |
|
n0h0pe
 |
The easiest way to start building credit is to get a department store credit card (kohls, sears, etc.)
Start slow and make sure you protect your credit. Bad decisions you make now will affect the rest of your life. |
|
Credit Guru
|
This is one of the most common questions on this board.
How do I build/establish credit?
First off you need to be educated about how credit works in the U.S. Every credit decision a lender makes is driven by FICO credit scores. You can go to www.myfico.com and look in the Credit Education section to learn how FICO credit scores are determined. To build your credit you have to place positive credit items on your file that will report positively for 6-12 months minimum. If you want your credit to be in the Excellent category (FICO score 720+) then your goal should be to have 3-6 revolving accounts(dept. store, gas cards, Visa. etc.) and 1-2 installment loans(car, mortgage) that are reporting positively.
I would start out with a Bank of America or Wells Fargo secured Visa card. Both banks have great programs with low annual fees, low starting amounts ($300.00) and no junk transaction fees like some people are promoting on this board. After 12 months of positive on time payments you will graduate to an unsecured status. Then you will probably be approved for other cards such as dept. store and gas cards.
Good Luck |
|
jon_e_kat
 |
i would consider going to your bank with a cosigner and get a lone for a cheap car credit cards are evil |
|
Rocket
|
Get a bank credit card. If your a student advise them of this. You will get a lower interest rate and also if you are part of that bank some banks have lower rates for their existing customers. |
|
buildanddrive
|
Visa Card. |
|
wildwolfe70
|
go threw your bank or credit union they usually give you the best intrest rate. don't get carried away. other then that do some reasearch on low interest credit cards |
|
IamConfused
|
Bank is a good idae. Atleast this is where i got my first credit card from :-) |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
9 | 38 minutes(s) ago
| | | |
11 | 1 hour(s) ago
| | | |
11 | 3 hour(s) ago
| | | |
13 | 7 hour(s) ago
| | | |
11 | 2 day(s) ago
| | | |
11 | 1 week(s) ago
| | | |
11 | 1 month(s) ago
| | | |
11 | 3 month(s) ago
| | | |
11 | 4 month(s) ago
| | | |
10 | 9 month(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
