I want to be a new car in a year.
I'm a 20 year female, and I know I don't have enough credit to buy a car yet or else they are going to rip me off in interest.
I go to college ...
I had a collection that I paid off years ago. Suddenly I got a letter from a lawyers office representing Pinnacle Credit Services LLC. They were trying to claim this old debt once again. I sent a ...
i just got off the phone with a debt collector from columbia house music club. an account from 2003 that i did not authorize was the topic of conversation, aside from me disputing the claim, should ...
I need 12000 and have 5000 in my savings if i use the 5000 as calateral, how much may I be allowed to borrow and may I still get to touch any of the 5000?...
I am shopping around for a secured credit card at my local credit unions but some sites list "variable" as the APR. Does the APR depend on your current score? Also what is a reasonable ...
so we all know that taking out bad housing loans have ruined the housing industry, do you think when a musician takes a loan from a music company,makes their mark and fails
the inability to pay ...
My boyfriend and I are in the process of buying a home (souly in his name) He found out today that his good credit history's gone after being idle about 4 years. This is a big blow to us. Now we&...
I closed a credit card account due to ridiculous 29%, and have a $1600 balance. I recently got laid off and if I pay minimum ($100/mo) I'll end up paying that money dor rest of my life!! Please ...
My friend has signed as guarantor for a loan taken by his colleague? Now that person has left the company and un-employed. Whether he can be removed from the loan?...
My bank charges me for debit purchases so I always use credit but today I chose credit but the store still did it as debit. Is this illegal? I'm pretty sure walmart had some problems with only ...
i was talking to a realtor to check a few interested properties, she recommended me to talk to a lender to pre approve it before we actually started searching. But i was wondering if it will lower my ...
If not having a credit card is better, than how does one establish good credit? for instance; renting, hooking up electric or purchasing something big with payments? Thanks again :)...
Hi, I bought a $25 visa gift card yesterday and I registered it and I put in my last four digits of my phone number and when I try to log in and it says "Your account has been locked due to ...
I have a lot of creditors suddenly calling my house and sending certified letters (which I refused) looking for a dentist with exact name as mine. As I keep telling me them it is not me, they react ...
on Apr. 14th I was charged $19.99 on my Discover Card, a card i dont use anymore. Furthermore I dont understand what the charge is for. On my statement it reads: Yahoo *Mail 866-562-7228CA 18884476...
Or some credit cards specifically for teenagers? What are the benefits and disadvantages of a teenager having a credit card? I live in Australia by the way.
T...
Ronnie
I know credit cards are not good but could someone tell me the best?
one out there that I will be using for my ebay selling and buying. Also will it hurt my credit score or anything if I apply for one?
have you ever tried a green card debit card you can pay stuff over the internet with that car and you can put as much money as you want into those things so you don't have to worry about your credit score and you do not need a bank account for one
Suntio
When you apply for a cc your score drops by 2-5 points because of the credit inquiry. Since Feb 22 people 21 yo and younger will not be able to get a cc by themselves unless they can show proof of income or have an adult cosign.
As for the best card for you, it's hard to tell without knowing more about your circumstances but there are a few online tools that can help you figure it out. A good one is at Bankrate.com http://www.bankrate.com/cnn/rate/brm_ccsearch_advanced.asp?menu1=Select+a+card+type&SubmitCC.x=28&SubmitCC.y=8, and another one is at www.creditcards.com. Read ALL the fine print.
M W
If you get a credit card, read the terms - don't get one that will be charging an annual fee. If you have bank accounts in good standing, check your bank for their credit card options.
bdancer222
Credit cards are a tool, neither good or bad. It's how you use the card and manage your finances that makes the difference. People get into trouble by running up balances and only paying the minimum. It's called living beyond your means.
Applying for any line of credit will cause a credit inquiry that will ding your score a few points. Your score will quickly rebound. If you use the card and pay the balance in full every month, it will actually improve your score. You need a mix of installment and revolving credit to get the best FICO scores. Paying the card in full every month avoids interest.
A Visa or Mastercard is probably the best as they are the most widely accepted. Check with your bank to find out what kind of terms are available. Something with a reward program is always good.
This site has some good basic info on credit cards: http://www.ftc.gov/bcp/edu/microsites/moneymatters/credit-cards.shtml
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