I only tried it once and had a bad experience. Once the firm got my credit card number, they started sending me merchandise monthly that I did not order and charging me for it. I cancelled the card but it's still not settled.
Even though I sent their merchandise back to them, they still have not given me credit for it.|||It's best to shop from cites that are reliable ... check them out first. You do really have to pay attention to the "fine print" so to speak because many company's will get you that way. Especially those with products that you use frequently like beauty products, cleaning products, etc.
I've only had one problem and it was from a TV offer not the internet. I don't ever buy anything from TV offers now because most are automated and it's real easy to fall prey to multiple orders like what you described.
I do most of my shopping from the internet and so far (thank you Lord) I've never had a problem with using my credit card. I've had to return some merchandise because it wasn't right but that had nothing to do with the credit card.
You did the right thing ... notify your bank and credit card company and let them handle it.|||Purchasing things with your credit card offers protection that you can't get by paying with other methods. There is nothing to worry about because if you really didn't authorize a charge or purchase you can dispute the transaction with your bank and the funds will be credited back to your card. This has nothing to do with the vendor deciding to credit you back. VISA/MC/DISCOVER/AMEX all take on that responsibility. They guarantee the funds. That is why it's so hard to get a merchant account to be able to accept credit cards. Buying online is not any less safe than anything else. The vendor would have to PROVE that you willingly signed or authorized the transaction and if you didn't, then they can't prove that and you would get your money back fast. It's very simple. You need to keep track of your transactions so you know what you did.
Hope that helps.|||That's bad. Normally the online websites I deal with have an extra layer of security like Lloyds Bank's 'Click Safe' which requires and extra password. But since I have bought via them I have had no problem. There are other security systems employed by websites and I can't quite remember their names, I think one is something like 'Veritas' and that was fine. Ebay items from reputable sellers have been good too.|||I don't do that, I call by phone and they can put my Credit Card # in, they they will send me confirmation # right away, and through my email.
Email me and share me the merchant's name so I can watch.
I learn a lot from experienced working in CC, from reading, and not trusting people It only happens once.|||You'd best call the credit card company and inquire as to their policy about disputing charges.
Saturday, December 17, 2011
Which is the best credit card for a college student?
I am planning on getting a student credit card before i go to school in the fall and I cannon decide which would be the best for me. I have it narrowed down to 3 cards...
1. Citi mtvU Platinum Visa for College students
2. Citi Forward Student Card
3. Discover Student Card
Please help me decide|||I Totally denounce the anti-credit card for college kids. A checking account will not sufficiently boost credit. While budgeting is great, I recommend mint.com.
IF you are wise and use the card for only things like REAL needs, e.g. gas, food, etc., you can get a ticket on the capitalism bus early.
Some rules:
Low Rates, Rewards, NO ANNUAL FEE!
Pay IN FULL every month from your checking and/or savings account. The web makes it SO easy to manage money/pay bills.
Do not exceed 35-40% of available credit for more than one billing cycle preferably never.
If you can do that with one, then apply for three and NEVER EVER close them. That shows a lengthy credit history.
DO NOT fall for retail % discount gimmicks. EVERY time you aplly for a credit card, your FICO score goes down.|||When you're deciding between these three, you should look at the interest rates for each. Have you thought about getting a pre-paid card which isn't attached to your bank account (so that if you lose your card in the laundry room at the dorm, or at the Frat house, you don't have to worry about some student getting into your account?) Also, there aren't interest rates applied to them (sometimes different fees here and there, though).
For college, it's a good idea because you'll definitely have other expenses that you'll want to save your money for -- instead of wasting it on overdraft fees. For some good advice on managing finances, budgeting and building credit, check out this group of articles written for college students, mostly by college students who have gone through the process: http://www.unigo.com/articles/beyond_tui鈥?/a>
oh, and make sure the stores on campus accept your credit card... Your university might even have a deal with a specific or local bank that gives you an even better deal for buying things on campus.|||I have both #1 %26amp; #2. Why Settle for just one? If you have fairly new or non-existent credit history I would go with the mtvU since as a student card it is easier to get accepted to. They both have the exact same perks, 5 thank you points for books, movies, restaurants, etc.
I know you can get $100 in giftcards just for signing up for the Forward though through here: http://www.offers.com/citi/forward-r/ Which might make that one more appealing.
Pay your bill in full every month and you can ignore and interest amounts. Also Visa/MC are more accepted than Discover.|||All three of those cards are great. I work in the credit card industry, and the Forward and mtvU are the best among college students. Look at a site called findcollegecards, they give a lot of great reviews from the students themselves.|||The best is no card, install your budget in a checking account and learn to budget. The credit card allows you to overspend with nothing but your meager funds to make payments with thus lowering your monthly cash.|||I personally thing that Discover card is the best student card because it has low rates and they have no annual fees, check out www.fastcreditcardapprovals.com
1. Citi mtvU Platinum Visa for College students
2. Citi Forward Student Card
3. Discover Student Card
Please help me decide|||I Totally denounce the anti-credit card for college kids. A checking account will not sufficiently boost credit. While budgeting is great, I recommend mint.com.
IF you are wise and use the card for only things like REAL needs, e.g. gas, food, etc., you can get a ticket on the capitalism bus early.
Some rules:
Low Rates, Rewards, NO ANNUAL FEE!
Pay IN FULL every month from your checking and/or savings account. The web makes it SO easy to manage money/pay bills.
Do not exceed 35-40% of available credit for more than one billing cycle preferably never.
If you can do that with one, then apply for three and NEVER EVER close them. That shows a lengthy credit history.
DO NOT fall for retail % discount gimmicks. EVERY time you aplly for a credit card, your FICO score goes down.|||When you're deciding between these three, you should look at the interest rates for each. Have you thought about getting a pre-paid card which isn't attached to your bank account (so that if you lose your card in the laundry room at the dorm, or at the Frat house, you don't have to worry about some student getting into your account?) Also, there aren't interest rates applied to them (sometimes different fees here and there, though).
For college, it's a good idea because you'll definitely have other expenses that you'll want to save your money for -- instead of wasting it on overdraft fees. For some good advice on managing finances, budgeting and building credit, check out this group of articles written for college students, mostly by college students who have gone through the process: http://www.unigo.com/articles/beyond_tui鈥?/a>
oh, and make sure the stores on campus accept your credit card... Your university might even have a deal with a specific or local bank that gives you an even better deal for buying things on campus.|||I have both #1 %26amp; #2. Why Settle for just one? If you have fairly new or non-existent credit history I would go with the mtvU since as a student card it is easier to get accepted to. They both have the exact same perks, 5 thank you points for books, movies, restaurants, etc.
I know you can get $100 in giftcards just for signing up for the Forward though through here: http://www.offers.com/citi/forward-r/ Which might make that one more appealing.
Pay your bill in full every month and you can ignore and interest amounts. Also Visa/MC are more accepted than Discover.|||All three of those cards are great. I work in the credit card industry, and the Forward and mtvU are the best among college students. Look at a site called findcollegecards, they give a lot of great reviews from the students themselves.|||The best is no card, install your budget in a checking account and learn to budget. The credit card allows you to overspend with nothing but your meager funds to make payments with thus lowering your monthly cash.|||I personally thing that Discover card is the best student card because it has low rates and they have no annual fees, check out www.fastcreditcardapprovals.com
What should I look for when considering a credit card?
I'm currently a student in college, and I've been tossing around the idea of getting a credit card. I'm not that big of a spend so the card would only be used in emergencies or for a little extra vacation money. So my question is: given my situation what should I consider when looking at different credit cards?|||ok- from personal experience--
EVERYONE says they're not much of a spender, and would only use the card every once in a while.
I was like that too. ONE YEAR LATER, i started using the card when i went out to eat, and it started accumulating.
but if you want my advice,
visit americanexpress.com
they have a good introductory offer, and depending on your credit history, you might get lucky with a low APR after the intro period.
take a look into what charges are imposed--
such as transferring balances (if you get a second card later)
late fee, bounced checked or rejected payment fees.|||Low interest rate!! Read the small print though. many beginner cards will list a low introductory rate...then jack it up to outrageous amounts later on. Good luck!!|||Try this website, it will give you many options, look over carefully, and talk to your parents, or a adult friend, see what they think.
http://smartbalancetransfers.com/
Good luck.|||Low interest and no yearly fee. Just be very very careful, it is way to easy to get into debt or to have your card stolen!
EVERYONE says they're not much of a spender, and would only use the card every once in a while.
I was like that too. ONE YEAR LATER, i started using the card when i went out to eat, and it started accumulating.
but if you want my advice,
visit americanexpress.com
they have a good introductory offer, and depending on your credit history, you might get lucky with a low APR after the intro period.
take a look into what charges are imposed--
such as transferring balances (if you get a second card later)
late fee, bounced checked or rejected payment fees.|||Low interest rate!! Read the small print though. many beginner cards will list a low introductory rate...then jack it up to outrageous amounts later on. Good luck!!|||Try this website, it will give you many options, look over carefully, and talk to your parents, or a adult friend, see what they think.
http://smartbalancetransfers.com/
Good luck.|||Low interest and no yearly fee. Just be very very careful, it is way to easy to get into debt or to have your card stolen!
Is it possible to close out a credit card account and continue to make monthly payments versus full payoff?
I'm wanting to close out some maxed out credit cards, but can't afford to pay them off fully. Do credit card companies still give a monthly minimum payment once an account is closed, or is payment expected in full upon closing?|||If you are making payments why close them?
Closing them may reduce your credit worthiness.
If you are closing your oldest card, it could wipe out your "length of credit history", which is 15% of your fico.
Now, if the card changes the terms on you, then call them up and tell them you do not agree with the new terms. They will close the account and you continue to make your normal payments.
/|||Yes, it is possible, but there is no benefit to you in doing that.
Closing them may reduce your credit worthiness.
If you are closing your oldest card, it could wipe out your "length of credit history", which is 15% of your fico.
Now, if the card changes the terms on you, then call them up and tell them you do not agree with the new terms. They will close the account and you continue to make your normal payments.
/|||Yes, it is possible, but there is no benefit to you in doing that.
How does a prepaid credit card work?
I don't want a real credit card. I'm starting college in the fall and I just want something that will allow me to pay my deposits and fees online without me having to pay interest later.|||I have an account now card. Which is basically a debit card that you can put money on, without ever going over an amount.You have to direct deposit or add cash, but you also have to go to a bank to do this. The website that I got mine from is called: www.accountnow.com
You have to apply to get this card, which is easy. And it will arrive to your house in about 3-7 business days. I hope this information helps (:|||You give the credit card company money 300-500 $ and then you can use that amount.
Try not to go over or and pay your bills you should be fine|||prepaid you put the money on it before you use it and you can go over but there are fees|||As long as you a receipt, with the number on it. It's call a prepaid card!
You have to apply to get this card, which is easy. And it will arrive to your house in about 3-7 business days. I hope this information helps (:|||You give the credit card company money 300-500 $ and then you can use that amount.
Try not to go over or and pay your bills you should be fine|||prepaid you put the money on it before you use it and you can go over but there are fees|||As long as you a receipt, with the number on it. It's call a prepaid card!
How long can a company wait to charge your credit card for a delivered item?
I purchased an item that was needed to be ordered and delivered. When I purchased it, they requested a deposit, for which I gave them my credit card. They stated they would charge the remainder after delivery to the same card on the account. Seemed fair to me. It was purchased on August 11th, delivered on August 28th. The deposit has been charged, but the remainder has not. How long do they have before it is no longer chargeable?
|||I know that by law they have 30 days to issue you a credit. Ex: taking shoes back.
Wait 30 days. I bet the charge will show up.
If not charged after 90 days, I bet they have to forfeit that charge.
I charged a waterpark fee in August and it just showed up on my credit card. I think they have 90 to make the charge.|||We should all be so lucky. I've heard of bank errors in your favor, but not of a company forgetting to bill you on a credit card. I did some research and found that a bank can come after you for an indefinite period for an error it makes in your favor, because, under the law, it is considered 'lost and found' money and you are obligated to report it. I couldn't find anything in the maze of Google unrelated stuff about how long a company has to collect on a debt they forgot to collect. Everything I saw goes to the debtors rights in false billing/overbilling cases, nothing the other way.
I'm guessing they have up to a year, but it could be longer. They can bill you indefinitely if they're billing you and you're not paying, so they may be able to come back against you indefinitely for one they overlooked.|||This is a good question. I don't actually think there is a time limit as such. I'm not sure with like statute of limitations or something similar would apply here. If it concerns you, ring them and ask them why they haven't charged you for it. If not, and it doesn't particulartly bother you, perhaps just don't say anything. It may have been overlooked or been deleted from there end or something. You may get away with not paying any more for it. hehe. If it's their mistake, let it go. |||You can better try this to get some useful links. It will help you a lot as it helped me.
http://personal-loan-info.freehostia.com/
All the best...|||Hi, 45 days.
|||I know that by law they have 30 days to issue you a credit. Ex: taking shoes back.
Wait 30 days. I bet the charge will show up.
If not charged after 90 days, I bet they have to forfeit that charge.
I charged a waterpark fee in August and it just showed up on my credit card. I think they have 90 to make the charge.|||We should all be so lucky. I've heard of bank errors in your favor, but not of a company forgetting to bill you on a credit card. I did some research and found that a bank can come after you for an indefinite period for an error it makes in your favor, because, under the law, it is considered 'lost and found' money and you are obligated to report it. I couldn't find anything in the maze of Google unrelated stuff about how long a company has to collect on a debt they forgot to collect. Everything I saw goes to the debtors rights in false billing/overbilling cases, nothing the other way.
I'm guessing they have up to a year, but it could be longer. They can bill you indefinitely if they're billing you and you're not paying, so they may be able to come back against you indefinitely for one they overlooked.|||This is a good question. I don't actually think there is a time limit as such. I'm not sure with like statute of limitations or something similar would apply here. If it concerns you, ring them and ask them why they haven't charged you for it. If not, and it doesn't particulartly bother you, perhaps just don't say anything. It may have been overlooked or been deleted from there end or something. You may get away with not paying any more for it. hehe. If it's their mistake, let it go. |||You can better try this to get some useful links. It will help you a lot as it helped me.
http://personal-loan-info.freehostia.com/
All the best...|||Hi, 45 days.
What are the requirment of getting a credit card?
is there an age limit? does a person have to be a citizen of the United States ti get a credit card? can a parent give a credit card to their children to use?|||No, not necessarily. Some credit card companies do not like to give credit to those that are young with no credit history. So generally they prefer for a credit user to be 18 and employed. No you don't have to be a citizen as far as I know. I think you have to have proof of address and a social security number though. And yes a parent can let a child use their credit card but it depends on if a store will allow the child to use it without id. But a parent can make a child a authorized user, which means the child will be able to use the credit card legit.
Hope I helped!
Hope I helped!
What are the best credit card debt relief services?
My friends husband died leaving her three kids and over $100,000.00 in credit card debt. She has been trying to pay but now is getting threatened with them taking her house. She make just a little over minimum wage on a part time basis and the depression is starting to drag her down.|||so far I have done good progress with this:
http://debt-consolidation.50webs.org|||Consumer Credit Counseling Service. They will contact all of the creditors and take care of all of the payment arrangements.
It may be easier to declare bankruptcy. Now a days it may be easier to recover from doing so than to go through the Credit Services.
As far as the service messing with your credit, yes, I heard that it does that. Be careful.|||wow that's rough. i used a debt consolidation company and they made my credit worse, but my debt was under eight thousand dollars, so for someone in such dire circumstances as your friend it might be worth it to use one. i went with clarion. my credit was worse for using their services, but they negotiated with the banks and were honest about the payments.
http://debt-consolidation.50webs.org|||Consumer Credit Counseling Service. They will contact all of the creditors and take care of all of the payment arrangements.
It may be easier to declare bankruptcy. Now a days it may be easier to recover from doing so than to go through the Credit Services.
As far as the service messing with your credit, yes, I heard that it does that. Be careful.|||wow that's rough. i used a debt consolidation company and they made my credit worse, but my debt was under eight thousand dollars, so for someone in such dire circumstances as your friend it might be worth it to use one. i went with clarion. my credit was worse for using their services, but they negotiated with the banks and were honest about the payments.
What is the average credit card holders average for a late payment?
What is the average credit card holders average for a late payment?|||Average score? depends what your current score is... a late payment will drop 20-40 points.|||If i was to pay late (which i don't) it's 拢12.|||I'm not sure what you are asking. But I don't think the average credit card holder has any late payments. Most people pay ALL their bills on time.
How long does a company have to charge a credit card?
I bought a product over the phone in October (about 5 to 6 weeks ago) and charged the purchase on my credit card. The product was delivered about 2 days later, but the card was never charged. This is a small local business (blinds and curtains, if it makes any difference), and I'm wondering how long it will take them to realize this... And how much time after the purchase they are allowed to charge the account, once they find an error. Is there a limit?
Thanks!|||up to a year -- and i would do the right thing and point it out -- they will be grateful and you will not have it hanging over your head!!!|||Technically, while they should charge the account as soon as possible, they have until statute of limitations run to actually charge your account (if their agreement with the credit card provider allows). However, it's the Christmas season, and you morally should probably contact the store and ask them if there was a mistake. You will feel much better if you tell them about it instead of thinking you've gotten away with something. However, they may find it in the next billing cycle when they go over their books and records. Do the right thing. They may even offer you a small perk in gratitude for bringing attention to their mistake.
Thanks!|||up to a year -- and i would do the right thing and point it out -- they will be grateful and you will not have it hanging over your head!!!|||Technically, while they should charge the account as soon as possible, they have until statute of limitations run to actually charge your account (if their agreement with the credit card provider allows). However, it's the Christmas season, and you morally should probably contact the store and ask them if there was a mistake. You will feel much better if you tell them about it instead of thinking you've gotten away with something. However, they may find it in the next billing cycle when they go over their books and records. Do the right thing. They may even offer you a small perk in gratitude for bringing attention to their mistake.
Is it okay to let my credit card company withdraw funds from my bank account to pay the credit card bill?
My brother told me he goes to his credit card company online once a month, and gives them permission to withdraw funds from his checking account to pay his credit card charges for that month.
Is that safe?? Any problems?|||It's safe.
I have a 2nd checking account set up for stuff like this, though.
My primary account is where I have my payroll deposited. If I need to pay a bill, I'll transfer funds to the 2nd and schedule it.
That way, if they ever screw up and overcharge me, it's not my grocery/rent/car/gas money that's tied up until the mess is cleared up.
And if they screw up and overcharge that other account, you just dispute at the bank and let them figure it out. Not your problem.
Use a bank that has free checking accounts and it's all free.|||As long as you are sure as it is a legitimate credit card company you are safe, If you are not giving your credit card company permission to take the money out of your bank account and they still do it you always have the option of calling your bank and telling them there was an unauthorized transaction in which case your bank will get the money put back into your account|||It is bad practise, but fairly safe. It is bad practise because it leaves you with a bank balance surprise, but even more so, if the amount withdrawn is the minimum payment that in and of itself is very bad practise.
If the amount withdrawn is exactly the total amount owing on the monthly statement, this would be what I accomplish by online banking when my statement is released. However, on occasion I will move money from my line of credit if my checking account would go into the red, so I feel that doing the online banking method gives me better control.
I do have my electrical utility withdraw their monthly amount automatically, and they do alert me in advance of the amount.
They manage to maintain an orderly withdrawal.|||I pay online by electronic transfer I control the payments' it only started 15 years ago. it goes directly to the account you specify, yes it's safer than mailing checks.|||As with any transaction, be sure the money is in your bank account BEFORE the withdrawal. If it isn't, you'll probably incur fees from the CC company AND your bank even if your bank is the one hosting your credit card.
CC company: charge for denied transaction due to insufficient funds. If it's near the due date, late fee may also apply.
Bank: OD charge
Transaction fee (some charge, some do not)|||My daughter pays all of her bills on-line every month and has for years with no problem. Personally I don't trust it. I want that canceled check back
Is that safe?? Any problems?|||It's safe.
I have a 2nd checking account set up for stuff like this, though.
My primary account is where I have my payroll deposited. If I need to pay a bill, I'll transfer funds to the 2nd and schedule it.
That way, if they ever screw up and overcharge me, it's not my grocery/rent/car/gas money that's tied up until the mess is cleared up.
And if they screw up and overcharge that other account, you just dispute at the bank and let them figure it out. Not your problem.
Use a bank that has free checking accounts and it's all free.|||As long as you are sure as it is a legitimate credit card company you are safe, If you are not giving your credit card company permission to take the money out of your bank account and they still do it you always have the option of calling your bank and telling them there was an unauthorized transaction in which case your bank will get the money put back into your account|||It is bad practise, but fairly safe. It is bad practise because it leaves you with a bank balance surprise, but even more so, if the amount withdrawn is the minimum payment that in and of itself is very bad practise.
If the amount withdrawn is exactly the total amount owing on the monthly statement, this would be what I accomplish by online banking when my statement is released. However, on occasion I will move money from my line of credit if my checking account would go into the red, so I feel that doing the online banking method gives me better control.
I do have my electrical utility withdraw their monthly amount automatically, and they do alert me in advance of the amount.
They manage to maintain an orderly withdrawal.|||I pay online by electronic transfer I control the payments' it only started 15 years ago. it goes directly to the account you specify, yes it's safer than mailing checks.|||As with any transaction, be sure the money is in your bank account BEFORE the withdrawal. If it isn't, you'll probably incur fees from the CC company AND your bank even if your bank is the one hosting your credit card.
CC company: charge for denied transaction due to insufficient funds. If it's near the due date, late fee may also apply.
Bank: OD charge
Transaction fee (some charge, some do not)|||My daughter pays all of her bills on-line every month and has for years with no problem. Personally I don't trust it. I want that canceled check back
How to dispose credit card and bank statements?
I want to dispose old (more than 3 years old) credit card and bank statements. Is it OK just put it in the garbage. I do not have a Shredder.
What do you do with yours?|||You can pick up shredders pretty cheap. Check around.
But you may want to reconsider destroying the bank statements after only 3 years. I suggest you keep those 7 years.|||If you're worried about someone reading your documents, you can take them to a shredding company who will probably charge you a very small fee. If you don't want to do that, the easiest, safest way to render them unreadable is to soak the papers in water and then tear them up.|||maybe but its still can be risky with your number and details on. Maybe investing in a shredder may be the best bet if not just tear them up or cut them up yourself as long as the details are unreadable it should be safe
better to be safe than sorry
Hope it helps x|||Make sure all your personal info is gone - ALL OF IT - or you could get screwed - taking a chance your identity will be stolen is not worth it....
Either cut it all up with scissors or rip it - or if there's a load of it burn it! Better be safe than sorry...|||Use a service. In most cities it is illegal to burn trash. You don't need to buy a shredder or spend all day tearing. One one for individuals is ship and shred.|||Take a pair of sizzors and cut it up into little pieces and sprinkle it into the garbage can..... chances are someone isn't going to puzzle it back together haha|||You can buy a cheap shredder for under $20.00. Buy one.|||just shred it all especially if its to do with money|||NO garbage.
No shredder?
Have a wiener roast.|||cut em down to no more 3 inches square and flush em, 4 or 5 pieces at a time.|||burn them. if you have a fire pit, if not get an old coffee can and cut some holes in the bottom sides.|||Have a bonfire =] there's your fuel.|||Honestly, I'd invest in a shredder. DON'T just throw them away. that's identity theft waiting to happen...|||get one you big silly or burn them
What do you do with yours?|||You can pick up shredders pretty cheap. Check around.
But you may want to reconsider destroying the bank statements after only 3 years. I suggest you keep those 7 years.|||If you're worried about someone reading your documents, you can take them to a shredding company who will probably charge you a very small fee. If you don't want to do that, the easiest, safest way to render them unreadable is to soak the papers in water and then tear them up.|||maybe but its still can be risky with your number and details on. Maybe investing in a shredder may be the best bet if not just tear them up or cut them up yourself as long as the details are unreadable it should be safe
better to be safe than sorry
Hope it helps x|||Make sure all your personal info is gone - ALL OF IT - or you could get screwed - taking a chance your identity will be stolen is not worth it....
Either cut it all up with scissors or rip it - or if there's a load of it burn it! Better be safe than sorry...|||Use a service. In most cities it is illegal to burn trash. You don't need to buy a shredder or spend all day tearing. One one for individuals is ship and shred.|||Take a pair of sizzors and cut it up into little pieces and sprinkle it into the garbage can..... chances are someone isn't going to puzzle it back together haha|||You can buy a cheap shredder for under $20.00. Buy one.|||just shred it all especially if its to do with money|||NO garbage.
No shredder?
Have a wiener roast.|||cut em down to no more 3 inches square and flush em, 4 or 5 pieces at a time.|||burn them. if you have a fire pit, if not get an old coffee can and cut some holes in the bottom sides.|||Have a bonfire =] there's your fuel.|||Honestly, I'd invest in a shredder. DON'T just throw them away. that's identity theft waiting to happen...|||get one you big silly or burn them
Does it hurt my credit to close a credit card once I've paid off the balance?
I have a credit card which has an annual fee. I've paid off the balance and want to close it because I have another credit card with no annual fee. I've been told that if I close it, it will look bad on my credit. Is this true? Is it better to leave it open? I've been told that if you have $0 balance and leave it open, it's good for your credit. Just trying to get the truth!|||Close the account. Your score will take a small hit but should rebound quickly.
You may want to consider how many other tradelines you have and how long you've had this card. When you close the account, you close the history. If you've had that card for 5 years, you lose all that history which could be a big impact if all your other tradelines are new.
Personally, I would cose anyway or at least call the credit card company and tell them you intend to close the account unless they eliminate the annual fee. They may do it.|||Your credit score is composed of several parameters, but one of them is your credit card debt to credit card limits ratio. For example, lets say you have 3 credit cards and your "open to buy/credit card limit" on each one is $1000. This means that you have $3000 in available credit. If you owe $1000, you are using 1/3 of your available credit. If you close one of the cards that you have paid off, then you have $2000 available credit, and are using 1/2 instead of 1/3 of your available credit. This is why, if you have several credit cards, it is better to leave the "no annual fee" ones open, if you have the willpower not to use them, because it improves your debt-to-credit ratio. In the case of the card with a fee, I would close it. Good Luck.|||No, it does not hurt your credit score to close an account you don't intend to use, and I especially encourage it when there's an annual fee on the card.
Your payment history is still going to show up on your credit report. Among other things, the report will show the day you opened the account, your highest balance, when you paid it off, and the fact that you asked the lender to close the account. CLOSING THE ACCOUNT DOES NOT MAKE YOUR PAYMENT HISTORY DISAPPEAR FROM YOUR CREDIT REPORT - if it did, people would just close all bad accounts, rather than file bankruptcy. Even when the account is closed, your payment history is still clearly on your credit report.
I personally close all accounts that I don't intend to use again, because too much available credit can be looked upon unfavorably by potential lenders.
You may want to consider how many other tradelines you have and how long you've had this card. When you close the account, you close the history. If you've had that card for 5 years, you lose all that history which could be a big impact if all your other tradelines are new.
Personally, I would cose anyway or at least call the credit card company and tell them you intend to close the account unless they eliminate the annual fee. They may do it.|||Your credit score is composed of several parameters, but one of them is your credit card debt to credit card limits ratio. For example, lets say you have 3 credit cards and your "open to buy/credit card limit" on each one is $1000. This means that you have $3000 in available credit. If you owe $1000, you are using 1/3 of your available credit. If you close one of the cards that you have paid off, then you have $2000 available credit, and are using 1/2 instead of 1/3 of your available credit. This is why, if you have several credit cards, it is better to leave the "no annual fee" ones open, if you have the willpower not to use them, because it improves your debt-to-credit ratio. In the case of the card with a fee, I would close it. Good Luck.|||No, it does not hurt your credit score to close an account you don't intend to use, and I especially encourage it when there's an annual fee on the card.
Your payment history is still going to show up on your credit report. Among other things, the report will show the day you opened the account, your highest balance, when you paid it off, and the fact that you asked the lender to close the account. CLOSING THE ACCOUNT DOES NOT MAKE YOUR PAYMENT HISTORY DISAPPEAR FROM YOUR CREDIT REPORT - if it did, people would just close all bad accounts, rather than file bankruptcy. Even when the account is closed, your payment history is still clearly on your credit report.
I personally close all accounts that I don't intend to use again, because too much available credit can be looked upon unfavorably by potential lenders.
What website can i order a prepaid credit card?
I have a family memeber whom wants to purchase for me a prepaid credit card but they want to add money to my credit card by using their bank card, is this possible?|||Creditcards.com
How do I know what Credit Card to Choose?
I want to know How do I know what Credit Card to Choose? I don't have a little credit but not much. I have never really had a credit card and very little lines of credit open.|||look at the intrest rates and annual membership fees|||Easy. DON'T|||I've used this site http://www.cardtron.com it's great for finding credit cards that fit your needs.|||None is best. But today in America you need it for many things like hotel rooms and rental cars etc.
I suggest a "collateralized credit card. Limit it to $500 or $1000 depending on your needs.
This kind of card will establish a credit worthiness and give you the safety of not caring cash.
The way it works is you give the credit card comp., bank $1000 and they extend that much in "credit".
This works well for people who have lost credit (bankrupt) and need a card. You are lending to yourself and have a very low limit. So if you max it out it is your money and it stops at $1000. The bank will give you a $10,000 card and has no problem if you max it out the first week!
Hell 25.99% they can't loose!|||The type of card you can get will first depend on your credit.So long as you know your credit score begin looking for a card within the range of your credit score that you can successfully be approved for.
Once you see the list of cards available to someone with type of credit score.Then you can begin comparing the cards by features like the
APR (Annual Percentage Rate)
Annual Fee etc
other interest charges etc
and depending on your budget see which card works best for you.
I suggest a "collateralized credit card. Limit it to $500 or $1000 depending on your needs.
This kind of card will establish a credit worthiness and give you the safety of not caring cash.
The way it works is you give the credit card comp., bank $1000 and they extend that much in "credit".
This works well for people who have lost credit (bankrupt) and need a card. You are lending to yourself and have a very low limit. So if you max it out it is your money and it stops at $1000. The bank will give you a $10,000 card and has no problem if you max it out the first week!
Hell 25.99% they can't loose!|||The type of card you can get will first depend on your credit.So long as you know your credit score begin looking for a card within the range of your credit score that you can successfully be approved for.
Once you see the list of cards available to someone with type of credit score.Then you can begin comparing the cards by features like the
APR (Annual Percentage Rate)
Annual Fee etc
other interest charges etc
and depending on your budget see which card works best for you.
What's the difference between using a Credit Card and Debit Card from a Merchant's standpoint?
One I know is that merchants are charged for using a credit card service but are they charged for using Debit cards?|||Yes, merchants must pay for debit card usage as well. There are two different kinds of debit cards and how you are charged varies by each:
1) A PIN Based debit card
These are the debit cards where the customer has to enter their PIN number to complete the purchase. These cards are completely separate from credit cards and have a different fee structure. Typically the fee for accepting a PIN based debit cards is around 50垄 - 65垄 per transaction. The fee is the same regardless of how large the sale is.
2) Check Cards
These take money out of a user's account just like a debit card does. But instead of entering a PIN number a user must sign for it just like it was a credit card. These cards work exactly like a credit card does for a merchant. The fees for these cards can be anywhere from 1.18% to 1.69% of the sale plus a flat transaction fee which can range from 19垄 to 25垄.
If you take high dollar transaction your business would be better off accepting PIN based debit cards as they will charge you less fees. If you take low ticket sales then check cards will cost you less.
I have linked to a calculator that can tell you which is better for your business.|||in the UK I am charged for credit %26amp; debit cards accepted in my shop.
The rules do not allow me to offer discounts for cash %26amp; not cards, it is classed as discrimination againts card users.
1) A PIN Based debit card
These are the debit cards where the customer has to enter their PIN number to complete the purchase. These cards are completely separate from credit cards and have a different fee structure. Typically the fee for accepting a PIN based debit cards is around 50垄 - 65垄 per transaction. The fee is the same regardless of how large the sale is.
2) Check Cards
These take money out of a user's account just like a debit card does. But instead of entering a PIN number a user must sign for it just like it was a credit card. These cards work exactly like a credit card does for a merchant. The fees for these cards can be anywhere from 1.18% to 1.69% of the sale plus a flat transaction fee which can range from 19垄 to 25垄.
If you take high dollar transaction your business would be better off accepting PIN based debit cards as they will charge you less fees. If you take low ticket sales then check cards will cost you less.
I have linked to a calculator that can tell you which is better for your business.|||in the UK I am charged for credit %26amp; debit cards accepted in my shop.
The rules do not allow me to offer discounts for cash %26amp; not cards, it is classed as discrimination againts card users.
How to find the best credit card deals/rates?
Are the good resources that tell you about the best unsecured credit card offers. I need to consolidate down from higher interest cards, but all I know is the sollicitations that I get in the mail. How do I research the best options? My credit rating is good.|||The best one I found that helped me the most is listed below. They have consolidated credit card offers along with useful articles. I always suggest this site because it helped me quite a bit in the past. See if you find good deals that you'll like...|||go to http://www.rscreditcard.com/ and sign up for a Credit Card this site has all the major credit cards
|||You can check http://bankfiesta.com for best offers on opening new accounts or credit cards. If you become a member - membership is free, you can submit deals you find and vote on deals. Cheers!
|||All these websites look lame. I use http://www.Cardz.com it has all the best credit card offers and no junk. Easy to navigate, find the credit card and apply right there.
|||There are many options for credit cards for you. Since your credit rating is good, I assume you do not have problems going into debt. Those that do prefer to use pre-paid or secured credit cards (so they can't go into debt).
If you are a responsible user, you need to determine what kind of a card you want. Do you want to earn rewards? Do you want to use a business card?
When you're searching, be sure to compare interest rates, especially after the 6-9 mark (some rate sky-rocket after this).
Good luck.|||Right now Capital One is promoting a low rate card.
Check it out www.capitaone.com
Visa and Mastercard always have promotional rates. Just stay away from the 3-6 months intro's. See if you can lock into that rate for good.|||This site has alot of great cards to choose from. You can also narrow down your search to "balance tranfer" if you want. Just browse and see which company is offering you the best terms.
http://morecreditoptions.NewCreditApplic鈥?/a>
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|||You can check http://bankfiesta.com for best offers on opening new accounts or credit cards. If you become a member - membership is free, you can submit deals you find and vote on deals. Cheers!
Report Abuse
|||All these websites look lame. I use http://www.Cardz.com it has all the best credit card offers and no junk. Easy to navigate, find the credit card and apply right there.
Report Abuse
|||There are many options for credit cards for you. Since your credit rating is good, I assume you do not have problems going into debt. Those that do prefer to use pre-paid or secured credit cards (so they can't go into debt).
If you are a responsible user, you need to determine what kind of a card you want. Do you want to earn rewards? Do you want to use a business card?
When you're searching, be sure to compare interest rates, especially after the 6-9 mark (some rate sky-rocket after this).
Good luck.|||Right now Capital One is promoting a low rate card.
Check it out www.capitaone.com
Visa and Mastercard always have promotional rates. Just stay away from the 3-6 months intro's. See if you can lock into that rate for good.|||This site has alot of great cards to choose from. You can also narrow down your search to "balance tranfer" if you want. Just browse and see which company is offering you the best terms.
http://morecreditoptions.NewCreditApplic鈥?/a>
Best way to pay off a credit card to get the best credit?
I am about $30 above my $700 credit limit, and it has been floating around that amount for awhile now. I should be expecting a good paycheck soon, and I would like to get rid of this credit card in general due to the high APR.
What is the best way to pay it off so I could up my credit score? Should I pay it in full? Or should I pay $100 a month or something?
Thanks!|||the short answer to your main question is "completely, ASAP"|||Pay it in full to avoid the finance charges. Then use the card for small purchases that you can pay off in full each month - things you would normally pay cash for (put the cash aside and use it to pay the bill when it comes in). Paying it off immediately helps your score as it increases your available credit number (total credit limits minus total credit balance) and reduces your debt to income ratio. Buying small stuff and paying it off after the bill arrives helps as it keeps the two ratios high in your favor while building your credit payment history.|||until you get the balance below 30% of the limit, it is really whacking your credit score - and why carry a balance at all if you have the money to pay it off - being over the limit must be incurring extra fees for you too - like $30-50 every time you exceed that balance?
pay off balance as quickly as possible but DO NOT CLOSE OUT the card - just lock it away for emergencies - closing it will HURT your credit score and there is no guarantee you will be able to get any new credit and it probably won't have a low rate either - banks have been raising everyone's rates - even perfect payers|||Never owe more than 30% of your total credit limit at any time and make timely payments. If you do this and keep your account open, it will do more to help your FICO than closing it. Credit history is 15% of your FICO score. If you get in trouble with it, never charge more than you can afford to pay off in a month (remembering the 30% rule). Going above your credit limit certainly won't help.|||There is no way to get the best credit now. The best credit is the credit of a person who has never gone over the limit, ever. Even if you get rid of it, you will still not have the best credit, because you were previously over the limit.|||It depends on how high your APR is, I would at least pay half of it off. It's better to have a low amount charged on there rather than over the credit limit. Plus is looks better for your score.
What is the best way to pay it off so I could up my credit score? Should I pay it in full? Or should I pay $100 a month or something?
Thanks!|||the short answer to your main question is "completely, ASAP"|||Pay it in full to avoid the finance charges. Then use the card for small purchases that you can pay off in full each month - things you would normally pay cash for (put the cash aside and use it to pay the bill when it comes in). Paying it off immediately helps your score as it increases your available credit number (total credit limits minus total credit balance) and reduces your debt to income ratio. Buying small stuff and paying it off after the bill arrives helps as it keeps the two ratios high in your favor while building your credit payment history.|||until you get the balance below 30% of the limit, it is really whacking your credit score - and why carry a balance at all if you have the money to pay it off - being over the limit must be incurring extra fees for you too - like $30-50 every time you exceed that balance?
pay off balance as quickly as possible but DO NOT CLOSE OUT the card - just lock it away for emergencies - closing it will HURT your credit score and there is no guarantee you will be able to get any new credit and it probably won't have a low rate either - banks have been raising everyone's rates - even perfect payers|||Never owe more than 30% of your total credit limit at any time and make timely payments. If you do this and keep your account open, it will do more to help your FICO than closing it. Credit history is 15% of your FICO score. If you get in trouble with it, never charge more than you can afford to pay off in a month (remembering the 30% rule). Going above your credit limit certainly won't help.|||There is no way to get the best credit now. The best credit is the credit of a person who has never gone over the limit, ever. Even if you get rid of it, you will still not have the best credit, because you were previously over the limit.|||It depends on how high your APR is, I would at least pay half of it off. It's better to have a low amount charged on there rather than over the credit limit. Plus is looks better for your score.
When a credit card transaction is voided immediately, will it appear on the statement?
I made a purchase on my credit card and immediately voided it. Will the transaction still appear on my credit card statement?|||Yes and NO.
yes if the card acceptor will still process the payment as they have the history of the transactions. In this case, i will stongly recommend for you to obtain a voided sales receipt. if transaction got posted, contact your card issuer and dispute the charge, provide the copy of the voided slip.
Yes if the reason for the transaction to be voided is you changed your mind and would like to return the item and they are not accepting the return/cancellation.
No if they will not process the payment.
There will be a lot of scenarios in this situation, please call your card issuer if the transaction gets posted.|||The only thing that shows up on your statements are items that have posted.
yes if the card acceptor will still process the payment as they have the history of the transactions. In this case, i will stongly recommend for you to obtain a voided sales receipt. if transaction got posted, contact your card issuer and dispute the charge, provide the copy of the voided slip.
Yes if the reason for the transaction to be voided is you changed your mind and would like to return the item and they are not accepting the return/cancellation.
No if they will not process the payment.
There will be a lot of scenarios in this situation, please call your card issuer if the transaction gets posted.|||The only thing that shows up on your statements are items that have posted.
What is a good online credit card merchant solution for my small business?
I rent items and want to be able to put a "security hold" on their credit card like a hotel does in case they break the items. It would be nice to also have the same service be able to accept credit card payments to be able to charge their rentals.|||Costco Merchant Account
Best places to apply for a Credit Card, and how does it work?
So when you get a credit card with a certain amount of money on it, do you immediately have to start making payments, even before you start using it? Or do you only pay back the amount you use on the credit card? (if you don't max it out right away)
Also, what are the best places to get a credit card in the USA? Somewhere that doesn't charge so much in interest! I've heard of credit cards interests costing more than the actual payment itself!|||Start with whichever bank you use. They have your banking info and some history on you. Credit Unions usually offer cards with lower interest rates. If you don't bank with anyone, start with a major company like Chase or Bank of America. Their fees will be higher but it is a place to start.
Once you have a card, you don't have to pay anything unless you use it. (unless the charge an annual fee) if you charge $100 for concert tickets, you will owe a minimum fee the next billing cycle.
If I may point out: while it is a good idea to get a credit card to establish a good credit history...make sure you keep that credit history GOOD by not maxing the card out and by not charging more than you can pay off in a month. Credit cards should be used for making reservations, purchasing online, and emergencies. It should not be used for everyday things like groceries and gas or dining out. That is a quick way to get into trouble with the card by spending more than you can afford and suddenly you are in serious debt.|||Depends on their terms but your first payment won't show up until weeks later. Try. To get a card at retail store or your bank because they have a lower rates and limit depending on your credit score.|||Go to chase bank, and you only pay back what you use from it at the end of the month|||A credit card is a piece of plastic with a magnetic strip that holds your account information.
When you get approved for a credit card you actually get approved for a certain loan amount. The bank let's you have access to say $1000. This is the line of credit you can use. You choose whether you want to use just a little or all of it. At the end of a billing cycle (30) days the bank sends you the bill for the loan money you used up so far and you decide whether you want to pay it off all at once or whether you want to just pay a small amount (minimum payment). If you make only a minimum payment they will add interest to that amount. The interest is a certain percentage of the money you used up so far. This varies greatly and can be as little as Zero and as high as 30 to 40%. Where your APR (Annual Percentage Rate) is sitting at depends on your credit worthiness and income when you opened the credit card account.
Banks don't just give a credit card (account) to anybody that wants one. You have to be a certain age, have to have a good credit rating, a good paying job and then... maybe... they let you have one. How much money they will "lend" you is up to them and usually depends on your income level and once again your credit rating.
The best place to get one is with the bank you already have a bank account with. They know you better and are more likely inclined to give this a try.
Also, what are the best places to get a credit card in the USA? Somewhere that doesn't charge so much in interest! I've heard of credit cards interests costing more than the actual payment itself!|||Start with whichever bank you use. They have your banking info and some history on you. Credit Unions usually offer cards with lower interest rates. If you don't bank with anyone, start with a major company like Chase or Bank of America. Their fees will be higher but it is a place to start.
Once you have a card, you don't have to pay anything unless you use it. (unless the charge an annual fee) if you charge $100 for concert tickets, you will owe a minimum fee the next billing cycle.
If I may point out: while it is a good idea to get a credit card to establish a good credit history...make sure you keep that credit history GOOD by not maxing the card out and by not charging more than you can pay off in a month. Credit cards should be used for making reservations, purchasing online, and emergencies. It should not be used for everyday things like groceries and gas or dining out. That is a quick way to get into trouble with the card by spending more than you can afford and suddenly you are in serious debt.|||Depends on their terms but your first payment won't show up until weeks later. Try. To get a card at retail store or your bank because they have a lower rates and limit depending on your credit score.|||Go to chase bank, and you only pay back what you use from it at the end of the month|||A credit card is a piece of plastic with a magnetic strip that holds your account information.
When you get approved for a credit card you actually get approved for a certain loan amount. The bank let's you have access to say $1000. This is the line of credit you can use. You choose whether you want to use just a little or all of it. At the end of a billing cycle (30) days the bank sends you the bill for the loan money you used up so far and you decide whether you want to pay it off all at once or whether you want to just pay a small amount (minimum payment). If you make only a minimum payment they will add interest to that amount. The interest is a certain percentage of the money you used up so far. This varies greatly and can be as little as Zero and as high as 30 to 40%. Where your APR (Annual Percentage Rate) is sitting at depends on your credit worthiness and income when you opened the credit card account.
Banks don't just give a credit card (account) to anybody that wants one. You have to be a certain age, have to have a good credit rating, a good paying job and then... maybe... they let you have one. How much money they will "lend" you is up to them and usually depends on your income level and once again your credit rating.
The best place to get one is with the bank you already have a bank account with. They know you better and are more likely inclined to give this a try.
How much does getting a credit card raise your credit?
I have bad credit already so Im going for the kind made especially for bad credit. I dont know if it makes a difference what kind of card it is...|||See your replies under the other posting.|||Responsible use of a credit card is one of the best ways to improve your credit. Here are some of the fastest ways to boost your credit score: http://moneygirl.quickanddirtytips.com/r鈥?/a>|||Using a credit card, making all the payments on time and not spending over the limit is what improves your credit.
Using your credit card to shop on line. What steps do you take to guarantee security?
I only tried it once and had a bad experience. Once the firm got my credit card number, they started sending me merchandise monthly that I did not order and charging me for it. I cancelled the card but it's still not settled.
Even though I sent their merchandise back to them, they still have not given me credit for it.|||It's best to shop from cites that are reliable ... check them out first. You do really have to pay attention to the "fine print" so to speak because many company's will get you that way. Especially those with products that you use frequently like beauty products, cleaning products, etc.
I've only had one problem and it was from a TV offer not the internet. I don't ever buy anything from TV offers now because most are automated and it's real easy to fall prey to multiple orders like what you described.
I do most of my shopping from the internet and so far (thank you Lord) I've never had a problem with using my credit card. I've had to return some merchandise because it wasn't right but that had nothing to do with the credit card.
You did the right thing ... notify your bank and credit card company and let them handle it.|||Purchasing things with your credit card offers protection that you can't get by paying with other methods. There is nothing to worry about because if you really didn't authorize a charge or purchase you can dispute the transaction with your bank and the funds will be credited back to your card. This has nothing to do with the vendor deciding to credit you back. VISA/MC/DISCOVER/AMEX all take on that responsibility. They guarantee the funds. That is why it's so hard to get a merchant account to be able to accept credit cards. Buying online is not any less safe than anything else. The vendor would have to PROVE that you willingly signed or authorized the transaction and if you didn't, then they can't prove that and you would get your money back fast. It's very simple. You need to keep track of your transactions so you know what you did.
Hope that helps.|||That's bad. Normally the online websites I deal with have an extra layer of security like Lloyds Bank's 'Click Safe' which requires and extra password. But since I have bought via them I have had no problem. There are other security systems employed by websites and I can't quite remember their names, I think one is something like 'Veritas' and that was fine. Ebay items from reputable sellers have been good too.|||I don't do that, I call by phone and they can put my Credit Card # in, they they will send me confirmation # right away, and through my email.
Email me and share me the merchant's name so I can watch.
I learn a lot from experienced working in CC, from reading, and not trusting people It only happens once.|||You'd best call the credit card company and inquire as to their policy about disputing charges.
Even though I sent their merchandise back to them, they still have not given me credit for it.|||It's best to shop from cites that are reliable ... check them out first. You do really have to pay attention to the "fine print" so to speak because many company's will get you that way. Especially those with products that you use frequently like beauty products, cleaning products, etc.
I've only had one problem and it was from a TV offer not the internet. I don't ever buy anything from TV offers now because most are automated and it's real easy to fall prey to multiple orders like what you described.
I do most of my shopping from the internet and so far (thank you Lord) I've never had a problem with using my credit card. I've had to return some merchandise because it wasn't right but that had nothing to do with the credit card.
You did the right thing ... notify your bank and credit card company and let them handle it.|||Purchasing things with your credit card offers protection that you can't get by paying with other methods. There is nothing to worry about because if you really didn't authorize a charge or purchase you can dispute the transaction with your bank and the funds will be credited back to your card. This has nothing to do with the vendor deciding to credit you back. VISA/MC/DISCOVER/AMEX all take on that responsibility. They guarantee the funds. That is why it's so hard to get a merchant account to be able to accept credit cards. Buying online is not any less safe than anything else. The vendor would have to PROVE that you willingly signed or authorized the transaction and if you didn't, then they can't prove that and you would get your money back fast. It's very simple. You need to keep track of your transactions so you know what you did.
Hope that helps.|||That's bad. Normally the online websites I deal with have an extra layer of security like Lloyds Bank's 'Click Safe' which requires and extra password. But since I have bought via them I have had no problem. There are other security systems employed by websites and I can't quite remember their names, I think one is something like 'Veritas' and that was fine. Ebay items from reputable sellers have been good too.|||I don't do that, I call by phone and they can put my Credit Card # in, they they will send me confirmation # right away, and through my email.
Email me and share me the merchant's name so I can watch.
I learn a lot from experienced working in CC, from reading, and not trusting people It only happens once.|||You'd best call the credit card company and inquire as to their policy about disputing charges.
Is it better to close paid off credit card accounts or keep them open, if you want to improve your score?
I have about 8 credit card accounts, only two have moderate balances, a few more with low balances and three at zero balance. Would it improve or hurt my credit score to close the three with zero balances?|||No, don't close any accounts until you have them all paid in full. Closing accounts lowers your overall limit which increases your debt percentage. Carrying balances of more than 30% of your limit, hurts your score.
Once you have them all paid off, you may want to close some. Keep the two oldest major credit cards that do not charge annual fees. If you have another major credit card with better APR/limit/rewards, keep that as well. Only keep store and gas cards if you have some special purpose and actually use the account.
Close accounts via letter and request written confirmation that the account is closed and 0 balance. Keep your request and the confirmation in your "forever" finances file.|||You would hurt your credit score. It is based on the percentage of unused credit available to you.|||Too many credit cards will hurt your credit score so as you have low debt to credit ratio. Use the guideline that overall debt/credit ratio should be less then 30%...or 35%.|||I've made this statement on several other responses relating to credit cards, balances owed and their credit limits. I think it bears repeating.
Banks will look for ANY reason to justify higher interest rates. Too many credit cards is one of them. You have 8 cards. Let's say each has $2,000 limit ane you owe 0$ on all 8. Sounds good, doesn't it? Your debt to limit ratio is 0%. Even if you have $400 balance on each one, you're under the 30% recommended ratio. The problem is you have a POTENTIAL debt obligation of $16,000. That may impact your ability to pay your other debt obligations (mortgage, car payment, living expenses, etc). That could put you in a higher risk bracket.
What we did: Got rid of all credit cards (in 1988) and took the minor hit on our FICO for the next year. Put our monthly payments into a savings account. Our FICOs were over 780. We were able to buy a second home with no problems (low interest) and finance a car.
FICO scores are a means that banks use to extort money from consumers in the form of interest and fees. You are actually BUYING a FICO score, not EARNING it.
Once you have them all paid off, you may want to close some. Keep the two oldest major credit cards that do not charge annual fees. If you have another major credit card with better APR/limit/rewards, keep that as well. Only keep store and gas cards if you have some special purpose and actually use the account.
Close accounts via letter and request written confirmation that the account is closed and 0 balance. Keep your request and the confirmation in your "forever" finances file.|||You would hurt your credit score. It is based on the percentage of unused credit available to you.|||Too many credit cards will hurt your credit score so as you have low debt to credit ratio. Use the guideline that overall debt/credit ratio should be less then 30%...or 35%.|||I've made this statement on several other responses relating to credit cards, balances owed and their credit limits. I think it bears repeating.
Banks will look for ANY reason to justify higher interest rates. Too many credit cards is one of them. You have 8 cards. Let's say each has $2,000 limit ane you owe 0$ on all 8. Sounds good, doesn't it? Your debt to limit ratio is 0%. Even if you have $400 balance on each one, you're under the 30% recommended ratio. The problem is you have a POTENTIAL debt obligation of $16,000. That may impact your ability to pay your other debt obligations (mortgage, car payment, living expenses, etc). That could put you in a higher risk bracket.
What we did: Got rid of all credit cards (in 1988) and took the minor hit on our FICO for the next year. Put our monthly payments into a savings account. Our FICOs were over 780. We were able to buy a second home with no problems (low interest) and finance a car.
FICO scores are a means that banks use to extort money from consumers in the form of interest and fees. You are actually BUYING a FICO score, not EARNING it.
Can a credit card chargeback happen to a government agency?
I have a friend who paid a speeding ticket for me but she's now threatening to do a credit card chargeback to get back the payment. I've already paid her back. Will the credit card company side with her if the other party is a government agency??
I know you need to a valid reason to do a chargeback, like fraud. Can she say it was fraud because it wasn't her ticket? I have text messages to prove that she agreed to pay for it but I don't know if I can even defend myself.|||The text messages do not prove that she agreed to anything. They only prove that whomever sent the text messages agreed to something.
Hypothetically, if someone steals someone's credit card and phone, uses the stolen phone to send a text message agreeing to pay something, and then uses the stolen credit card to pay something, that is a valid reason for the person who owns the phone and credit card to do a chargeback.|||Tell her good luck with that one. LOL
She can dispute it, but, more than likely, it will be rejected and put back on her card.|||There is no way in the world that her credit card company is going to get into the middle of a civil dispute with a city government. They'll almost certainly reject it...Even if they do reverse the charges, she'll just have to pay it again.
If your friend is disputing the speeding ticket, then she needs to address this issue with the court. Speeding tickets are hard to dispute.
I know you need to a valid reason to do a chargeback, like fraud. Can she say it was fraud because it wasn't her ticket? I have text messages to prove that she agreed to pay for it but I don't know if I can even defend myself.|||The text messages do not prove that she agreed to anything. They only prove that whomever sent the text messages agreed to something.
Hypothetically, if someone steals someone's credit card and phone, uses the stolen phone to send a text message agreeing to pay something, and then uses the stolen credit card to pay something, that is a valid reason for the person who owns the phone and credit card to do a chargeback.|||Tell her good luck with that one. LOL
She can dispute it, but, more than likely, it will be rejected and put back on her card.|||There is no way in the world that her credit card company is going to get into the middle of a civil dispute with a city government. They'll almost certainly reject it...Even if they do reverse the charges, she'll just have to pay it again.
If your friend is disputing the speeding ticket, then she needs to address this issue with the court. Speeding tickets are hard to dispute.
How long do you need to have a credit card before getting credit?
IF YOU HAVE NO CREDIT HISTORY AT ALL.
And which is a better credit card to have? Visa, Master Card, or Discover?|||well once you get the card and the first month go by you have credit history with the card -- there is really not difference in the cards == just insure the one have no annual charge and a low interest rate!! myself i have a visa and discover!!!|||Hi,
Actually there are credit cards for those who don't have any credit history.Visa and master Card are better than Discover because most places accept only master card or Visa.You can check it out here to get those credit cards for no credit history:
http://NoCreditHistory.notlong.com
And which is a better credit card to have? Visa, Master Card, or Discover?|||well once you get the card and the first month go by you have credit history with the card -- there is really not difference in the cards == just insure the one have no annual charge and a low interest rate!! myself i have a visa and discover!!!|||Hi,
Actually there are credit cards for those who don't have any credit history.Visa and master Card are better than Discover because most places accept only master card or Visa.You can check it out here to get those credit cards for no credit history:
http://NoCreditHistory.notlong.com
Does each employee have their credit checked when issuing a company credit card?
We will be receiving a company credit card but do not want our personal credit checked in order to receive it. When getting a company credit card is the card just issued under the company's name and credit, or with the employees?|||Almost every company does check your credit because of their potential exposure|||The likelihood that your credit will be checked prior to your employer issuing you a corporate credit card varies from company to company. Your employer might have a policy in place that requires a credit check before corporate cards are issued. This is to mitigate risk and ensure that people who have bad credit are not issued corporate credit cards, which they might abuse. However, from the standpoint of the credit card company, corporate credit cards are linked to the credit worthiness of the business. Credit card companies will not check the credit of each employee before releasing multiple cards. When employees are issued corporate credit cards they are given a line of credit that represents some portion of the total amount of credit extended to the business. This is one of the main benefits of corporate credit cards 鈥?employees can be allotted different amounts of credit based on their individual business needs and regardless of their own personal credit histories.
What are the benefits and drawbacks of not having a credit card?
I am a freshman in college, and a friend of mine (also a freshman) is convinced that she doesn't want a credit card, and will never have the need for one. I was always told that it is a good idea to get a low-limit credit card, use it sparingly, life for gas or books, and pay it off in full at the end of each month to help build up a credit score.
So, what are the benefits and drawbacks of a college student (or really anybody) not having (or never having) a credit card?|||Advantage: Building your credit
Disadvantage: Damaging your credit
Hint* It is possible to build credit without credit cards.|||Benefit-builds credit!!!!
Drawback- if you're not diligent in paying it off and not disciplined, u can get yourself in some trouble or just alot of debt.
I got my first cc when I was a freshman in college... it was a retail card then I also got a major credit card. I would charge to them then pay it off right away. There were sometimes when I had to use it to help me out til payday... but being a college student is rough and as long as you are responsible about it that extra cushion is ok.
Long story short I am now 25, have a credit score of 792, and it's all because of the many credit cards I opened and ALWAYS paid on time. Get one, tell your friend to do it... U will be thankful later on when u have to finance a car or home and have plenty of good credit to show for.... Versus your other friends when can't get approved because they have no credit. :)|||One word, emergency
So, what are the benefits and drawbacks of a college student (or really anybody) not having (or never having) a credit card?|||Advantage: Building your credit
Disadvantage: Damaging your credit
Hint* It is possible to build credit without credit cards.|||Benefit-builds credit!!!!
Drawback- if you're not diligent in paying it off and not disciplined, u can get yourself in some trouble or just alot of debt.
I got my first cc when I was a freshman in college... it was a retail card then I also got a major credit card. I would charge to them then pay it off right away. There were sometimes when I had to use it to help me out til payday... but being a college student is rough and as long as you are responsible about it that extra cushion is ok.
Long story short I am now 25, have a credit score of 792, and it's all because of the many credit cards I opened and ALWAYS paid on time. Get one, tell your friend to do it... U will be thankful later on when u have to finance a car or home and have plenty of good credit to show for.... Versus your other friends when can't get approved because they have no credit. :)|||One word, emergency
How long does a transfer from CapitalOne credit card to checking take?
My requested a balance transfer via online from his Capital One credit card to his Wells Fargo checking account nearly two weeks ago. As of today the funds are not in his checking account. Has anyone done this that might know how long it takes?|||You need to call both Capital One and Wells Fargo because the hold up could be at either place.
http://moneysavingcreditcardsecrets.com/鈥?/a>|||It depends on how you ordered the balance transfer. It's all summed up here:
https://www.wellsfargo.com/credit_cards/鈥?/a>
Even then, there's no guarantee as to when a balance transfer will be completed, so never take chances and make sure you make minimum payments on the old card to avoid any unwanted fees.
http://moneysavingcreditcardsecrets.com/鈥?/a>|||It depends on how you ordered the balance transfer. It's all summed up here:
https://www.wellsfargo.com/credit_cards/鈥?/a>
Even then, there's no guarantee as to when a balance transfer will be completed, so never take chances and make sure you make minimum payments on the old card to avoid any unwanted fees.
Add credit card debt amount to new home purchase?
I have about 25K in credit card debt. I am planning to buy a 540K house. Currently I have great credit, is it possible to add my credit card debt into the home loan in order to make it a single monthly payment. What is the loan program called? I am shooting for 5 yr. ARM. Me and my wife plan to live there for about 3-4 yrs.|||Dont know if you can combine them into one loan.
What you can do though is after you purchase the home, take out a home equity loan to pay off the credit cards - still two different bills a month, but should get a better interest rate on the home equity loan.
I dont think you can get a mortgage to cover both since the mortgage is a secured loan - the house is collateral for the loan - while credit card debt is unsecured.|||If you are selling a house to buy your new house, you could use some of your equity out of the closing to pay the bills down and put a bit less down on your new house.|||My philosphy on credit cards: Get even, die in dept!!LOL
What you can do though is after you purchase the home, take out a home equity loan to pay off the credit cards - still two different bills a month, but should get a better interest rate on the home equity loan.
I dont think you can get a mortgage to cover both since the mortgage is a secured loan - the house is collateral for the loan - while credit card debt is unsecured.|||If you are selling a house to buy your new house, you could use some of your equity out of the closing to pay the bills down and put a bit less down on your new house.|||My philosphy on credit cards: Get even, die in dept!!LOL
What kind of Consumer Protections did the Credit Card Reform bill do?
Just out of curiosity. Did the 10,000 pages of new regulations do anything for the consumer? Do you think a new small credit card company would now be able to start up with 2-3 employees or would they have to hire 1000 employees just to meet the new "regulations".
Liberals do you understand your "regulations" offer no protection to anyone besides the corporations?|||Nothing Really.
Credit Card companies are now charging new fees to make up for lost revenue - consumer got screwed again.|||Since hussein did it, it will do lots of harm.|||No ? Then prove it .
Liberals do you understand your "regulations" offer no protection to anyone besides the corporations?|||Nothing Really.
Credit Card companies are now charging new fees to make up for lost revenue - consumer got screwed again.|||Since hussein did it, it will do lots of harm.|||No ? Then prove it .
What numbers to enter with activating account with credit card?
I am trying to activate my World of Warcraft account so I can of course, play again. I have my credit card and you have to do the three four digits but i enter it in and it says wrong transaction. What do I do? I haven't used my VISA card in awhile also.|||We have no idea what might be wrong with YOUR credit card. Call the lender.|||Is it really saying three or four digit number? If so, the number they want is most likely the verification code. On most cards, the three digit number is on the back. AMEX has the four digit number on the front.
How do I know when my credit card bill is due?
I checked last week to see when to pay my credit card, but there was no date listed. I paid anyway because it was a month since my last payment. Then I bought something for my mom who will reimburse me. She wants to know by when I need the money, but the credit card website still does not show a due date. Do I assume I have another month to pay it off?|||You get the card on 1 September. Say the billing date is the 28th. They mail it to you and you get it on the 3th of October(depending on when the weekend is). Your due date is then about the 22nd of October. They have to bill you and send you that invoce before you have a billing date.|||Discover is one of the cards that does this.
They give you the card, and it can take 2 1/2 months before they send you a statement.
This is done so you an rack up a huge bill.
When the bill comes in - you realize that you can not pay the bill in full and they will get you with interest.
You can call them up and just ask them "when is my closing date".
The closing date is the date they send you the bill in the mail.
Then you can ask "when is my due date".
You have 100% right to know these things - give them a call.
/|||Most bills have the due date written on the portion of the bill you have to submit with your check. If you can't find it there, look on the back of your credit card for the "Customer Support" phone number. You can find out via that route.|||account. I find that having it taken from the bank is a later date than if I were to go and pay the darned thing myself and worry about remembering to do so ! Check with your provider. You need to be happy with paying bills at all and especially on time.
They give you the card, and it can take 2 1/2 months before they send you a statement.
This is done so you an rack up a huge bill.
When the bill comes in - you realize that you can not pay the bill in full and they will get you with interest.
You can call them up and just ask them "when is my closing date".
The closing date is the date they send you the bill in the mail.
Then you can ask "when is my due date".
You have 100% right to know these things - give them a call.
/|||Most bills have the due date written on the portion of the bill you have to submit with your check. If you can't find it there, look on the back of your credit card for the "Customer Support" phone number. You can find out via that route.|||account. I find that having it taken from the bank is a later date than if I were to go and pay the darned thing myself and worry about remembering to do so ! Check with your provider. You need to be happy with paying bills at all and especially on time.
Can I transfer credit from one credit card to another?
Ok, so I know I can transfer a credit card balance to another card, but what if I don't have debt? I have a credit card with $9,000 credit limit, but it's associated with a bank I want to leave. Can I take that line of credit and transfer it to another card or can I only do that with the balance?|||Unfortunately, you're only able to transfer balances between accounts. It would be nice (for the consumers) if that were possible to transfer credit lines to company to company, but sadly, that's not the case. Like the other poster mentioned apply for credit with the new bank.|||Credit card balance transfer is one of the preferred ways to get rid of credit card debt and is used by many people to get immediate relief. Credit card balance transfer essentially means that we transfer our outstanding balances from a high APR credit card to a credit card which offers low APR's. A 0% Intro APR credit card is the preferred credit card to transfer balances, but because of the widespread misuse of such credit card offers, credit card companies have withdrawn all such offers.
Indeed balance transfer saves a lot of money and can save things from going worse, but many people simply don't know the right way to do balance transfer. This article takes a look at the correct process to initiate and complete the balance transfer.
The first thing to look out, when a person wants to transfer his balances is a credit card which offers the lowest apr rates and lowest balance transfer fees. Many online credit card companies offer credit card comparisons. It is indeed a good practice to search for the credit cards using their services and decide on a credit card which offers the maximum savings. It is important to note here that balance transfer APRs depend on a person's credit history. If the credit card in question offers the lowest rates, it is definitely for those with the best credit ratings. There are different balance transfer apr's for people with lower credit ratings. So, it becomes imperative that one chooses the credit card which offers the lowest apr and balance transfer fees for his credit ratings. Read more from: http://www.credit-card-gallery.com/artic鈥?/a>|||A line of credit isn't transferable.
Your credit report will show that your credit limit was $9,000. It also shows your payment history if you were ever late.
A new bank will see that you had that 9k limit and everything was in good standing. They will give you a limit based on your past history which I assume was good.|||Every company has different criteria for assigning a credit limit to credit cards they offer. therefore, you cant switch the credit balance whereas you can transfer your debt from one card to another. Best way would be, cancel your card get a letter from bank showing limit assigned to you and your payments history, than when you apply for another you can attach it with your application. If you apply while having your old card they will assign you a smaller limit as you already have 9000 limit on your old one and banks take them as debt whether you use full amount or not so your income-debt ratio goes up. so apply your new card after you end up with your old one. don't worry if u don't get enough limit with new bank you can always go back n they will issue you a new card with same limit if you were good in your payments.|||You can transfer debt to another card, but you can't transfer a line of credit from one place to another. i would just cancel that card and get another one with your new bank. you might even get a better interest rate.|||These are two completely different situations. The first of transferring a balance is done all the time! This is one way I got my credit score up from 486 to 730 in a little over a year!
If you want another card with a balance like this, then you need to apply for a new line of credit somewhere else, but you could use this card as a reference!
Consider this though. With a limit this high, this card has quite a wallop with your score and helping it stay high. If you close an account with a limit like this your score will most likely drop because it took a long time to get to a point where your bank trusts you with a credit line of $9000.00!!!!
Why not just keep it and not use it or use it only a little just to keep it active? I have a website that goes into how credit scoring works as well as credit repair in detail. This was my story of how I rebuilt my credit from a low of 486 after ID theft and Bankruptcy to 730 in a little over a year!
If you absolutely must close this account, make sure you apply for another one while you can use this one as a reference!
Indeed balance transfer saves a lot of money and can save things from going worse, but many people simply don't know the right way to do balance transfer. This article takes a look at the correct process to initiate and complete the balance transfer.
The first thing to look out, when a person wants to transfer his balances is a credit card which offers the lowest apr rates and lowest balance transfer fees. Many online credit card companies offer credit card comparisons. It is indeed a good practice to search for the credit cards using their services and decide on a credit card which offers the maximum savings. It is important to note here that balance transfer APRs depend on a person's credit history. If the credit card in question offers the lowest rates, it is definitely for those with the best credit ratings. There are different balance transfer apr's for people with lower credit ratings. So, it becomes imperative that one chooses the credit card which offers the lowest apr and balance transfer fees for his credit ratings. Read more from: http://www.credit-card-gallery.com/artic鈥?/a>|||A line of credit isn't transferable.
Your credit report will show that your credit limit was $9,000. It also shows your payment history if you were ever late.
A new bank will see that you had that 9k limit and everything was in good standing. They will give you a limit based on your past history which I assume was good.|||Every company has different criteria for assigning a credit limit to credit cards they offer. therefore, you cant switch the credit balance whereas you can transfer your debt from one card to another. Best way would be, cancel your card get a letter from bank showing limit assigned to you and your payments history, than when you apply for another you can attach it with your application. If you apply while having your old card they will assign you a smaller limit as you already have 9000 limit on your old one and banks take them as debt whether you use full amount or not so your income-debt ratio goes up. so apply your new card after you end up with your old one. don't worry if u don't get enough limit with new bank you can always go back n they will issue you a new card with same limit if you were good in your payments.|||You can transfer debt to another card, but you can't transfer a line of credit from one place to another. i would just cancel that card and get another one with your new bank. you might even get a better interest rate.|||These are two completely different situations. The first of transferring a balance is done all the time! This is one way I got my credit score up from 486 to 730 in a little over a year!
If you want another card with a balance like this, then you need to apply for a new line of credit somewhere else, but you could use this card as a reference!
Consider this though. With a limit this high, this card has quite a wallop with your score and helping it stay high. If you close an account with a limit like this your score will most likely drop because it took a long time to get to a point where your bank trusts you with a credit line of $9000.00!!!!
Why not just keep it and not use it or use it only a little just to keep it active? I have a website that goes into how credit scoring works as well as credit repair in detail. This was my story of how I rebuilt my credit from a low of 486 after ID theft and Bankruptcy to 730 in a little over a year!
If you absolutely must close this account, make sure you apply for another one while you can use this one as a reference!
Thursday, December 15, 2011
How many numbers are in a credit card?
For example, Visa is a credit card. I just want to know how many numbers are in any kind of credit card.|||Account numbers are 16 digits.|||16|||WTH for? there is no good reason to know that unless anyone near you with a credit card wont show you and you are planning to try and create a credit card number- not cool
What are the Precaution required before giving credit card details for making payment through internet?
While making purchases through internet, a person needs to give his credit card details. won't the site owner misuse the card details and use it to bill according to his whims and fancies? What precaution needs to be taken before giving credit card details through internet purchases?|||the company you give your number to should be well known and responsible.
their site should allow provide some kind of encoding ( security)
their site should have some sort of label that they are a member of some group that protects your ID.
I think it is safest to use companies that let me pay using PAYPAL so i don't have to give my credit card numbers to whoever the new company is.|||find a trustworthy site, one that has been around for a few years and has lots of customers.
google is your friend
their site should allow provide some kind of encoding ( security)
their site should have some sort of label that they are a member of some group that protects your ID.
I think it is safest to use companies that let me pay using PAYPAL so i don't have to give my credit card numbers to whoever the new company is.|||find a trustworthy site, one that has been around for a few years and has lots of customers.
google is your friend
What would be a good started credit card?
Hi, I am just about 19 and I am looking to get a credit card, but I don't know what one to go with. I don't plan on using it like crazy and I don't have the intention of paying it off for years, but at the same time, I don't want to take the chance and have a high intrest rate incase something comes up. Does anyone know of a good starter credit card?|||Capital One is the best!|||My first credit card was Capital One. They start you off with a $300 limit, then your credit line will go up if you pay your bill on time and in full within three months. (Good deal.)|||It can be hard trying to get a credit card from anywhere when you are first trying to establish credit. I would try a department store, like Belk's, Dilliards, or Heichts.
And of course, Capitol One would be a good one to try also.
You can try others, like the ones for people with no credit-but their interest rate is higher.|||The MOST important thing you can do is the payoff your credit card every single month to a zero balance, if you are unable to do this, DO NOT!!!!! get a credit card! That is the whole point of a credit card and the reason you use it to build up your credit. It is much better to use your credit card to only buy gas for example and pay it off every month so that you can build your credit score. Having good credit in the first place is what gets you lower interest rates!! Capitol One has a great "starter" credit card inwhich the most they give you is like a 300.00 credit limit and they see how responsibly you use it from there before they give you more credit. But any credit card you use that advertises a zero percent interest rate will be the best...just remember those don't last forever and they usually jump up to 20% interest rate after a set amount of time!|||Capitol One is a good starter credit card! I would try them and you can choose your limit so you don't over extend yourself!|||Capital One - Orchicd bank - Student CITi cards 0 high%%% though|||Orchard Bank...can get it online.|||go to your bank and get one from them. That will also help if you have a credit card with them at a later date possibly getting a loan with them too,.|||VISA,mastercard,and some more|||Visa with a low credit line. Start with small purchases and pay your bill off completely each statement. Do not just pay the minimum amount. After a year or so you credit line will go up and so will your credit.|||Capital One.|||Try creditcard.com, very good stuff
And of course, Capitol One would be a good one to try also.
You can try others, like the ones for people with no credit-but their interest rate is higher.|||The MOST important thing you can do is the payoff your credit card every single month to a zero balance, if you are unable to do this, DO NOT!!!!! get a credit card! That is the whole point of a credit card and the reason you use it to build up your credit. It is much better to use your credit card to only buy gas for example and pay it off every month so that you can build your credit score. Having good credit in the first place is what gets you lower interest rates!! Capitol One has a great "starter" credit card inwhich the most they give you is like a 300.00 credit limit and they see how responsibly you use it from there before they give you more credit. But any credit card you use that advertises a zero percent interest rate will be the best...just remember those don't last forever and they usually jump up to 20% interest rate after a set amount of time!|||Capitol One is a good starter credit card! I would try them and you can choose your limit so you don't over extend yourself!|||Capital One - Orchicd bank - Student CITi cards 0 high%%% though|||Orchard Bank...can get it online.|||go to your bank and get one from them. That will also help if you have a credit card with them at a later date possibly getting a loan with them too,.|||VISA,mastercard,and some more|||Visa with a low credit line. Start with small purchases and pay your bill off completely each statement. Do not just pay the minimum amount. After a year or so you credit line will go up and so will your credit.|||Capital One.|||Try creditcard.com, very good stuff
Can I delete credit card from Gamestop without cancelling order?
I pre ordered Assassin's Creed Revelations from Gamestop with my Debit Card which right now I don't have access to it for personal reasons. I checked my credit card status and there was a payment from Gamestop which is still pending. If I go to my Gamestop account and delete the credit card information, will it also cancel the order? I am still going to buy the game but with cash instead of credit/debit card.|||It shouldnt cancel it, just make sure you dont cancel it, lol.
What in your oppinion is the best Credit Card to apply for online for a person that just turned 18?
We would like a credit card with no withdrawal fee, no monthly or yearly fee.|||Thank you for your very interesting question!
Try to see the answer to this question at specialized sites!|||http://applyforcreditnow.ecreditdirector鈥?/a>
I'd go to this site and check out the different catagories of credit cards. You might like the no annual fee credit cards link. hope this helps you out.|||None. Credit cards are traps to keep you in debt...forever. "Oh, I can make the payments," you might say. Now, you can. What about next week? And minimum payments? You'll pay 75 years on a hundred bucks. APR of 30%? Insane. I ditched my cards back in '99. NEVER EVER will I get another.|||NONE!!!!
If you cant pay with cash dont get it|||dont get a credit card
Try to see the answer to this question at specialized sites!|||http://applyforcreditnow.ecreditdirector鈥?/a>
I'd go to this site and check out the different catagories of credit cards. You might like the no annual fee credit cards link. hope this helps you out.|||None. Credit cards are traps to keep you in debt...forever. "Oh, I can make the payments," you might say. Now, you can. What about next week? And minimum payments? You'll pay 75 years on a hundred bucks. APR of 30%? Insane. I ditched my cards back in '99. NEVER EVER will I get another.|||NONE!!!!
If you cant pay with cash dont get it|||dont get a credit card
What is the best way to consolidate credit card debt with low income?
I have racked up about $10,000 in credit card debt stemming from college and medical expenses. What is my best option as I am still a student and working with a very limited budget? Are there hidden catches to debt consolidation companies; if so what?|||i say do it your self -- down size your life style to the bare bones and only buy what you need now what you want -- than take the credit cards and start paying they down with each getting the required payment and the highest interest receiving any money that is left over from your new life style!!!|||Credit cards are expensive financial products with high interest rates charges that could kill. Gradually, long outstanding plastic money dues result in a situation where the total sum of your monthly payment goes towards the payment of interest and charges and your total outstanding remain the same. If this is the case with you, do not delay and seek the services of a professional debt consolidation company for getting out of this vicious cycle and becoming debt free.
Manage Card Blues With An Easy Monthly Payment
Credit card debt consolidation management programs are good ways to eliminate card blues. These companies can help you with a contingency plan when you are under constant pressure of clearing dues as soon as possible or the pile of debt keeps mounting up. Its no denying the fact that making payments at one go is not as easy as it said. This becomes even more difficult if you do not enjoy a good credit rating, thanks to long overdue bills. This is where you need the services of professionals who hold expertise in consolidating debt and loans with a multi pronged program for debt reduction and financial management.
Companies offering credit card debt consolidation services have staff or skilled representatives and managers who help you in alleviating your problems. These companies and professionals offer one or combination of the following for easing your debt burden and setting you free from the hassles of harassing collection calls:
# Representatives help by negotiating with all your individual creditors on your behalf to reduce or minimize payment follow-ups and collection calls till such time they devise a settlement plan for you.
# On the other hand, managers the consolidation company talks to the creditors and settle lower interest rates. They also help by checking additional hazards like late fees and other penalties.
# In some cases, the company can also help in reduction of total amount due of your cards. Read more from: http://www.credit-card-gallery.com/artic鈥?/a>|||Don't consolidate. Negotiate the lowest rates you can and PAY THEM OFF. Mentioning the rate for balance transfers on the offer you got in the mail this morning can't hurt.|||Hi,
I used "Credit Solutions" to settle my debt.They managed to reduce my debt up to 58%.It's legitimate.I came across this company on NBC News Special Edition.Check it out here:
http://shortlinks.co.uk/4cl|||Do not send the payments late, the late charge is ridiculous. I would pay minimum requirement to the credit cards with lowest interest rate. Focus on the one with highest interest rate and pay it with all the money you have left. When you pay off the highest interest credit card, do the same with the next high interest rate. You, however, can borrow money from student loan, this loan allow you to wait on the interest; when you borrow the money from student loan, use it to pay all the credit cards. At the end, you should live below your mean; and do not need contact the debt consolidation companies, with them, you still have to pay. I have heard a lot of bad news about them, they are not that helpful.
Manage Card Blues With An Easy Monthly Payment
Credit card debt consolidation management programs are good ways to eliminate card blues. These companies can help you with a contingency plan when you are under constant pressure of clearing dues as soon as possible or the pile of debt keeps mounting up. Its no denying the fact that making payments at one go is not as easy as it said. This becomes even more difficult if you do not enjoy a good credit rating, thanks to long overdue bills. This is where you need the services of professionals who hold expertise in consolidating debt and loans with a multi pronged program for debt reduction and financial management.
Companies offering credit card debt consolidation services have staff or skilled representatives and managers who help you in alleviating your problems. These companies and professionals offer one or combination of the following for easing your debt burden and setting you free from the hassles of harassing collection calls:
# Representatives help by negotiating with all your individual creditors on your behalf to reduce or minimize payment follow-ups and collection calls till such time they devise a settlement plan for you.
# On the other hand, managers the consolidation company talks to the creditors and settle lower interest rates. They also help by checking additional hazards like late fees and other penalties.
# In some cases, the company can also help in reduction of total amount due of your cards. Read more from: http://www.credit-card-gallery.com/artic鈥?/a>|||Don't consolidate. Negotiate the lowest rates you can and PAY THEM OFF. Mentioning the rate for balance transfers on the offer you got in the mail this morning can't hurt.|||Hi,
I used "Credit Solutions" to settle my debt.They managed to reduce my debt up to 58%.It's legitimate.I came across this company on NBC News Special Edition.Check it out here:
http://shortlinks.co.uk/4cl|||Do not send the payments late, the late charge is ridiculous. I would pay minimum requirement to the credit cards with lowest interest rate. Focus on the one with highest interest rate and pay it with all the money you have left. When you pay off the highest interest credit card, do the same with the next high interest rate. You, however, can borrow money from student loan, this loan allow you to wait on the interest; when you borrow the money from student loan, use it to pay all the credit cards. At the end, you should live below your mean; and do not need contact the debt consolidation companies, with them, you still have to pay. I have heard a lot of bad news about them, they are not that helpful.
How can I build my credit, if I won't even be approved for a credit card with a small limit?
I've applied for a "no-credit history" credit card, and was denied due to no credit history. I am over 30 years old, and have a job. I am a permanent resident in the US, but only recently came over from England. How can I build my credit, if I won't even be approved for a credit card with a small limit?|||Go to your bank and ask for a secured card.
You will deposit about $500 and you will get a card to use this balance.
Replace the funds you use each month.
Orchard bank and Citi offer the best secured cards.
But most banks are very similar - annual fee about $35.
This card with good usage may turn into a credit card in as little as one year.
Remember, once you get the card to pay in full each month - no games.
Carrying balances and paying interest on credit cards not only can ruin credit
It can easily devaste lives.
/|||my hubby had the same problem so what he had to do was actually get a secured credit card which means that you pay to have the credit card in advance of receiving it and if you prove that you can manage it appropriately you'll get your 'deposit' back and get to keep the card :)
His credit history build up in no time, just make sure to be responsible with it.
(depending on the financial institution it could be considered secured - where they'll keep your money for you until you've proved yourself - for a minimum of a year).
Oh! and for the bank he went through they actually put his deposit into an interest acruing account so in the end he got back slightly more than what he had put in to have the card.
Someone suggested Citi, based on my own personal experience, stay away from that bank. They are awful to deal with.
And another point: you'll be really lucky if you get a card with $500, my hubby had to get one for $1000 minimum.|||I did a web search and found this site that has many sources for you to choose from - maybe it can help. Good Luck!!
You will deposit about $500 and you will get a card to use this balance.
Replace the funds you use each month.
Orchard bank and Citi offer the best secured cards.
But most banks are very similar - annual fee about $35.
This card with good usage may turn into a credit card in as little as one year.
Remember, once you get the card to pay in full each month - no games.
Carrying balances and paying interest on credit cards not only can ruin credit
It can easily devaste lives.
/|||my hubby had the same problem so what he had to do was actually get a secured credit card which means that you pay to have the credit card in advance of receiving it and if you prove that you can manage it appropriately you'll get your 'deposit' back and get to keep the card :)
His credit history build up in no time, just make sure to be responsible with it.
(depending on the financial institution it could be considered secured - where they'll keep your money for you until you've proved yourself - for a minimum of a year).
Oh! and for the bank he went through they actually put his deposit into an interest acruing account so in the end he got back slightly more than what he had put in to have the card.
Someone suggested Citi, based on my own personal experience, stay away from that bank. They are awful to deal with.
And another point: you'll be really lucky if you get a card with $500, my hubby had to get one for $1000 minimum.|||I did a web search and found this site that has many sources for you to choose from - maybe it can help. Good Luck!!
Is there any credit card protection when paying in a restaurant?
Do you use your credit card in restaurants? If so, what protections are available? I am worried about fraud.|||If the charges are fraudulent, you are protected no matter where the charges are made.
I also successfully got refunded by a credit card company when a waitress charged my card a $50 tip for a $29 meal at a restaurant recently. The credit card company didn't even hesitate.|||There is none really. Restaurants are get places for disgruntled employees to snatch your information, especially if you're a bad tipper! You could get over credit protection ( http://www.getbrokequick.com/identity-th鈥?/a> ) to protect yourself from all kinds of credit card theft, not just restaurants.|||You can dispute the charges with the CC company and probably win
I also successfully got refunded by a credit card company when a waitress charged my card a $50 tip for a $29 meal at a restaurant recently. The credit card company didn't even hesitate.|||There is none really. Restaurants are get places for disgruntled employees to snatch your information, especially if you're a bad tipper! You could get over credit protection ( http://www.getbrokequick.com/identity-th鈥?/a> ) to protect yourself from all kinds of credit card theft, not just restaurants.|||You can dispute the charges with the CC company and probably win
How do I downgrade my credit card?
I have a credit card earning miles which I pay $75 in annual fees for. I want to downgrade this to just a regular credit card but when I called the bank they told me that I will have to call the FTC and ask if I can transfer my credit limit, etc to a new account without really "canceling" my old one. Is there an easier way going about this? I don't want to pay $75 in annual fees anymore and I don't want to "cancel" this account because it might affect my credit score.|||It's called a product change. Not all card issuers do it, and among those that do, very few customer service reps know how to do it. Even if you get it done, the annual fee sometimes sticks. Calling the FTC is crazy talk--you got a badly misinformed CSR. Call back until you get a better one. Talk to their supervisors if you need to. If you can't get a product change, make them waive the fee. Just remember that in the current climate, if you threaten to cancel your card, they will call your bluff. That negotiating tactic doesn't work anymore.|||I've never been able to switch a credit card.
I have always had to close the old one and start a new one.
Note: It will only affect your score if it's your oldest card.
Also, it will reduce your available unused limits
Creditors love to see unused cash in your credit cards - great for ratings.
Open a new card first.
Then close the old one.
Are you carrying balances?
Stop that - that only ruins credit.
Start paying in full each month and watch yourself get amazing top 800 scores someday.
/|||The bank is giving you the run around. The FTC has nothing to do with changing your credit card terms.
It boils down to the bank doesn't want to downgrade the account. You will have to open a new account and close the old one. I suggest you find a different bank to open the new account. You may even make one more try to get the current account downgraded by mentioning that if they won't downgrade the account, you will just open a new account elsewhere.
If you don't carry balances on other credit cards, closing an account won't make that much difference in your score. The biggest impact would be lowering your overall limit which would increase your debt to limit ratio to 30% or more which hurts your score. If you don't carry balances, this makes no difference.
Closed accounts in good standing remain on your credit report for at least 10 years. They just don't count as much in your score. The old advice to keep all credit cards open is no longer good advice. Unused credit cards are opportunities for problems with ID theft and fraud. Some companies are now charging monthly fees for inactive accounts.
If you opt to close the account, do it via letter and ask for written confirmation that the account is closed and 0 balance. Keep that confirmation forever.
I have always had to close the old one and start a new one.
Note: It will only affect your score if it's your oldest card.
Also, it will reduce your available unused limits
Creditors love to see unused cash in your credit cards - great for ratings.
Open a new card first.
Then close the old one.
Are you carrying balances?
Stop that - that only ruins credit.
Start paying in full each month and watch yourself get amazing top 800 scores someday.
/|||The bank is giving you the run around. The FTC has nothing to do with changing your credit card terms.
It boils down to the bank doesn't want to downgrade the account. You will have to open a new account and close the old one. I suggest you find a different bank to open the new account. You may even make one more try to get the current account downgraded by mentioning that if they won't downgrade the account, you will just open a new account elsewhere.
If you don't carry balances on other credit cards, closing an account won't make that much difference in your score. The biggest impact would be lowering your overall limit which would increase your debt to limit ratio to 30% or more which hurts your score. If you don't carry balances, this makes no difference.
Closed accounts in good standing remain on your credit report for at least 10 years. They just don't count as much in your score. The old advice to keep all credit cards open is no longer good advice. Unused credit cards are opportunities for problems with ID theft and fraud. Some companies are now charging monthly fees for inactive accounts.
If you opt to close the account, do it via letter and ask for written confirmation that the account is closed and 0 balance. Keep that confirmation forever.
How can i get my own credit card at age 17?
Im going to get a job and keep my money on a credit card. Thing is idk how to register for a credit card !|||You cannot get a credit card at 17by yourself. In the US you must be 18 to sign contracts, which is what a credit card or loan is....
You cannot get a bank account in ONLY your name either.
The moron that is thumbing down the people that are accurate in telling you this are doing you NO service...|||First step is to get a checking account.
Since you are under 18, you will need to go to the bank with your parents.
You will receive a debit card with your name on it that you can use for all your purchases.
At 17, you should be learning about checking accounts|||If you're in the US, you must 18. There's no way around it; the law has changed. If you apply, you will be denied. Once you're 18, get a cosigner (parent). You can go to a bank or a store.|||Forget it - you must have an adult (over 18) regardless of how much money you may have|||You need a co-signer, like a father or mother|||you cant get your own you need a cosigner
You cannot get a bank account in ONLY your name either.
The moron that is thumbing down the people that are accurate in telling you this are doing you NO service...|||First step is to get a checking account.
Since you are under 18, you will need to go to the bank with your parents.
You will receive a debit card with your name on it that you can use for all your purchases.
At 17, you should be learning about checking accounts|||If you're in the US, you must 18. There's no way around it; the law has changed. If you apply, you will be denied. Once you're 18, get a cosigner (parent). You can go to a bank or a store.|||Forget it - you must have an adult (over 18) regardless of how much money you may have|||You need a co-signer, like a father or mother|||you cant get your own you need a cosigner
What numbers to enter with activating account with credit card?
I am trying to activate my World of Warcraft account so I can of course, play again. I have my credit card and you have to do the three four digits but i enter it in and it says wrong transaction. What do I do? I haven't used my VISA card in awhile also.|||We have no idea what might be wrong with YOUR credit card. Call the lender.|||Is it really saying three or four digit number? If so, the number they want is most likely the verification code. On most cards, the three digit number is on the back. AMEX has the four digit number on the front.
How do I know when my credit card bill is due?
I checked last week to see when to pay my credit card, but there was no date listed. I paid anyway because it was a month since my last payment. Then I bought something for my mom who will reimburse me. She wants to know by when I need the money, but the credit card website still does not show a due date. Do I assume I have another month to pay it off?|||You get the card on 1 September. Say the billing date is the 28th. They mail it to you and you get it on the 3th of October(depending on when the weekend is). Your due date is then about the 22nd of October. They have to bill you and send you that invoce before you have a billing date.|||Discover is one of the cards that does this.
They give you the card, and it can take 2 1/2 months before they send you a statement.
This is done so you an rack up a huge bill.
When the bill comes in - you realize that you can not pay the bill in full and they will get you with interest.
You can call them up and just ask them "when is my closing date".
The closing date is the date they send you the bill in the mail.
Then you can ask "when is my due date".
You have 100% right to know these things - give them a call.
/|||Most bills have the due date written on the portion of the bill you have to submit with your check. If you can't find it there, look on the back of your credit card for the "Customer Support" phone number. You can find out via that route.|||account. I find that having it taken from the bank is a later date than if I were to go and pay the darned thing myself and worry about remembering to do so ! Check with your provider. You need to be happy with paying bills at all and especially on time.
They give you the card, and it can take 2 1/2 months before they send you a statement.
This is done so you an rack up a huge bill.
When the bill comes in - you realize that you can not pay the bill in full and they will get you with interest.
You can call them up and just ask them "when is my closing date".
The closing date is the date they send you the bill in the mail.
Then you can ask "when is my due date".
You have 100% right to know these things - give them a call.
/|||Most bills have the due date written on the portion of the bill you have to submit with your check. If you can't find it there, look on the back of your credit card for the "Customer Support" phone number. You can find out via that route.|||account. I find that having it taken from the bank is a later date than if I were to go and pay the darned thing myself and worry about remembering to do so ! Check with your provider. You need to be happy with paying bills at all and especially on time.
Can I transfer credit from one credit card to another?
Ok, so I know I can transfer a credit card balance to another card, but what if I don't have debt? I have a credit card with $9,000 credit limit, but it's associated with a bank I want to leave. Can I take that line of credit and transfer it to another card or can I only do that with the balance?|||Unfortunately, you're only able to transfer balances between accounts. It would be nice (for the consumers) if that were possible to transfer credit lines to company to company, but sadly, that's not the case. Like the other poster mentioned apply for credit with the new bank.|||Credit card balance transfer is one of the preferred ways to get rid of credit card debt and is used by many people to get immediate relief. Credit card balance transfer essentially means that we transfer our outstanding balances from a high APR credit card to a credit card which offers low APR's. A 0% Intro APR credit card is the preferred credit card to transfer balances, but because of the widespread misuse of such credit card offers, credit card companies have withdrawn all such offers.
Indeed balance transfer saves a lot of money and can save things from going worse, but many people simply don't know the right way to do balance transfer. This article takes a look at the correct process to initiate and complete the balance transfer.
The first thing to look out, when a person wants to transfer his balances is a credit card which offers the lowest apr rates and lowest balance transfer fees. Many online credit card companies offer credit card comparisons. It is indeed a good practice to search for the credit cards using their services and decide on a credit card which offers the maximum savings. It is important to note here that balance transfer APRs depend on a person's credit history. If the credit card in question offers the lowest rates, it is definitely for those with the best credit ratings. There are different balance transfer apr's for people with lower credit ratings. So, it becomes imperative that one chooses the credit card which offers the lowest apr and balance transfer fees for his credit ratings. Read more from: http://www.credit-card-gallery.com/artic鈥?/a>|||A line of credit isn't transferable.
Your credit report will show that your credit limit was $9,000. It also shows your payment history if you were ever late.
A new bank will see that you had that 9k limit and everything was in good standing. They will give you a limit based on your past history which I assume was good.|||Every company has different criteria for assigning a credit limit to credit cards they offer. therefore, you cant switch the credit balance whereas you can transfer your debt from one card to another. Best way would be, cancel your card get a letter from bank showing limit assigned to you and your payments history, than when you apply for another you can attach it with your application. If you apply while having your old card they will assign you a smaller limit as you already have 9000 limit on your old one and banks take them as debt whether you use full amount or not so your income-debt ratio goes up. so apply your new card after you end up with your old one. don't worry if u don't get enough limit with new bank you can always go back n they will issue you a new card with same limit if you were good in your payments.|||You can transfer debt to another card, but you can't transfer a line of credit from one place to another. i would just cancel that card and get another one with your new bank. you might even get a better interest rate.|||These are two completely different situations. The first of transferring a balance is done all the time! This is one way I got my credit score up from 486 to 730 in a little over a year!
If you want another card with a balance like this, then you need to apply for a new line of credit somewhere else, but you could use this card as a reference!
Consider this though. With a limit this high, this card has quite a wallop with your score and helping it stay high. If you close an account with a limit like this your score will most likely drop because it took a long time to get to a point where your bank trusts you with a credit line of $9000.00!!!!
Why not just keep it and not use it or use it only a little just to keep it active? I have a website that goes into how credit scoring works as well as credit repair in detail. This was my story of how I rebuilt my credit from a low of 486 after ID theft and Bankruptcy to 730 in a little over a year!
If you absolutely must close this account, make sure you apply for another one while you can use this one as a reference!
Indeed balance transfer saves a lot of money and can save things from going worse, but many people simply don't know the right way to do balance transfer. This article takes a look at the correct process to initiate and complete the balance transfer.
The first thing to look out, when a person wants to transfer his balances is a credit card which offers the lowest apr rates and lowest balance transfer fees. Many online credit card companies offer credit card comparisons. It is indeed a good practice to search for the credit cards using their services and decide on a credit card which offers the maximum savings. It is important to note here that balance transfer APRs depend on a person's credit history. If the credit card in question offers the lowest rates, it is definitely for those with the best credit ratings. There are different balance transfer apr's for people with lower credit ratings. So, it becomes imperative that one chooses the credit card which offers the lowest apr and balance transfer fees for his credit ratings. Read more from: http://www.credit-card-gallery.com/artic鈥?/a>|||A line of credit isn't transferable.
Your credit report will show that your credit limit was $9,000. It also shows your payment history if you were ever late.
A new bank will see that you had that 9k limit and everything was in good standing. They will give you a limit based on your past history which I assume was good.|||Every company has different criteria for assigning a credit limit to credit cards they offer. therefore, you cant switch the credit balance whereas you can transfer your debt from one card to another. Best way would be, cancel your card get a letter from bank showing limit assigned to you and your payments history, than when you apply for another you can attach it with your application. If you apply while having your old card they will assign you a smaller limit as you already have 9000 limit on your old one and banks take them as debt whether you use full amount or not so your income-debt ratio goes up. so apply your new card after you end up with your old one. don't worry if u don't get enough limit with new bank you can always go back n they will issue you a new card with same limit if you were good in your payments.|||You can transfer debt to another card, but you can't transfer a line of credit from one place to another. i would just cancel that card and get another one with your new bank. you might even get a better interest rate.|||These are two completely different situations. The first of transferring a balance is done all the time! This is one way I got my credit score up from 486 to 730 in a little over a year!
If you want another card with a balance like this, then you need to apply for a new line of credit somewhere else, but you could use this card as a reference!
Consider this though. With a limit this high, this card has quite a wallop with your score and helping it stay high. If you close an account with a limit like this your score will most likely drop because it took a long time to get to a point where your bank trusts you with a credit line of $9000.00!!!!
Why not just keep it and not use it or use it only a little just to keep it active? I have a website that goes into how credit scoring works as well as credit repair in detail. This was my story of how I rebuilt my credit from a low of 486 after ID theft and Bankruptcy to 730 in a little over a year!
If you absolutely must close this account, make sure you apply for another one while you can use this one as a reference!
How many numbers are in a credit card?
For example, Visa is a credit card. I just want to know how many numbers are in any kind of credit card.|||Account numbers are 16 digits.|||16|||WTH for? there is no good reason to know that unless anyone near you with a credit card wont show you and you are planning to try and create a credit card number- not cool
What are the Precaution required before giving credit card details for making payment through internet?
While making purchases through internet, a person needs to give his credit card details. won't the site owner misuse the card details and use it to bill according to his whims and fancies? What precaution needs to be taken before giving credit card details through internet purchases?|||the company you give your number to should be well known and responsible.
their site should allow provide some kind of encoding ( security)
their site should have some sort of label that they are a member of some group that protects your ID.
I think it is safest to use companies that let me pay using PAYPAL so i don't have to give my credit card numbers to whoever the new company is.|||find a trustworthy site, one that has been around for a few years and has lots of customers.
google is your friend
their site should allow provide some kind of encoding ( security)
their site should have some sort of label that they are a member of some group that protects your ID.
I think it is safest to use companies that let me pay using PAYPAL so i don't have to give my credit card numbers to whoever the new company is.|||find a trustworthy site, one that has been around for a few years and has lots of customers.
google is your friend
What would be a good started credit card?
Hi, I am just about 19 and I am looking to get a credit card, but I don't know what one to go with. I don't plan on using it like crazy and I don't have the intention of paying it off for years, but at the same time, I don't want to take the chance and have a high intrest rate incase something comes up. Does anyone know of a good starter credit card?|||Capital One is the best!|||My first credit card was Capital One. They start you off with a $300 limit, then your credit line will go up if you pay your bill on time and in full within three months. (Good deal.)|||It can be hard trying to get a credit card from anywhere when you are first trying to establish credit. I would try a department store, like Belk's, Dilliards, or Heichts.
And of course, Capitol One would be a good one to try also.
You can try others, like the ones for people with no credit-but their interest rate is higher.|||The MOST important thing you can do is the payoff your credit card every single month to a zero balance, if you are unable to do this, DO NOT!!!!! get a credit card! That is the whole point of a credit card and the reason you use it to build up your credit. It is much better to use your credit card to only buy gas for example and pay it off every month so that you can build your credit score. Having good credit in the first place is what gets you lower interest rates!! Capitol One has a great "starter" credit card inwhich the most they give you is like a 300.00 credit limit and they see how responsibly you use it from there before they give you more credit. But any credit card you use that advertises a zero percent interest rate will be the best...just remember those don't last forever and they usually jump up to 20% interest rate after a set amount of time!|||Capitol One is a good starter credit card! I would try them and you can choose your limit so you don't over extend yourself!|||Capital One - Orchicd bank - Student CITi cards 0 high%%% though|||Orchard Bank...can get it online.|||go to your bank and get one from them. That will also help if you have a credit card with them at a later date possibly getting a loan with them too,.|||VISA,mastercard,and some more|||Visa with a low credit line. Start with small purchases and pay your bill off completely each statement. Do not just pay the minimum amount. After a year or so you credit line will go up and so will your credit.|||Capital One.|||Try creditcard.com, very good stuff
And of course, Capitol One would be a good one to try also.
You can try others, like the ones for people with no credit-but their interest rate is higher.|||The MOST important thing you can do is the payoff your credit card every single month to a zero balance, if you are unable to do this, DO NOT!!!!! get a credit card! That is the whole point of a credit card and the reason you use it to build up your credit. It is much better to use your credit card to only buy gas for example and pay it off every month so that you can build your credit score. Having good credit in the first place is what gets you lower interest rates!! Capitol One has a great "starter" credit card inwhich the most they give you is like a 300.00 credit limit and they see how responsibly you use it from there before they give you more credit. But any credit card you use that advertises a zero percent interest rate will be the best...just remember those don't last forever and they usually jump up to 20% interest rate after a set amount of time!|||Capitol One is a good starter credit card! I would try them and you can choose your limit so you don't over extend yourself!|||Capital One - Orchicd bank - Student CITi cards 0 high%%% though|||Orchard Bank...can get it online.|||go to your bank and get one from them. That will also help if you have a credit card with them at a later date possibly getting a loan with them too,.|||VISA,mastercard,and some more|||Visa with a low credit line. Start with small purchases and pay your bill off completely each statement. Do not just pay the minimum amount. After a year or so you credit line will go up and so will your credit.|||Capital One.|||Try creditcard.com, very good stuff
Can I delete credit card from Gamestop without cancelling order?
I pre ordered Assassin's Creed Revelations from Gamestop with my Debit Card which right now I don't have access to it for personal reasons. I checked my credit card status and there was a payment from Gamestop which is still pending. If I go to my Gamestop account and delete the credit card information, will it also cancel the order? I am still going to buy the game but with cash instead of credit/debit card.|||It shouldnt cancel it, just make sure you dont cancel it, lol.
What in your oppinion is the best Credit Card to apply for online for a person that just turned 18?
We would like a credit card with no withdrawal fee, no monthly or yearly fee.|||Thank you for your very interesting question!
Try to see the answer to this question at specialized sites!|||http://applyforcreditnow.ecreditdirector鈥?/a>
I'd go to this site and check out the different catagories of credit cards. You might like the no annual fee credit cards link. hope this helps you out.|||None. Credit cards are traps to keep you in debt...forever. "Oh, I can make the payments," you might say. Now, you can. What about next week? And minimum payments? You'll pay 75 years on a hundred bucks. APR of 30%? Insane. I ditched my cards back in '99. NEVER EVER will I get another.|||NONE!!!!
If you cant pay with cash dont get it|||dont get a credit card
Try to see the answer to this question at specialized sites!|||http://applyforcreditnow.ecreditdirector鈥?/a>
I'd go to this site and check out the different catagories of credit cards. You might like the no annual fee credit cards link. hope this helps you out.|||None. Credit cards are traps to keep you in debt...forever. "Oh, I can make the payments," you might say. Now, you can. What about next week? And minimum payments? You'll pay 75 years on a hundred bucks. APR of 30%? Insane. I ditched my cards back in '99. NEVER EVER will I get another.|||NONE!!!!
If you cant pay with cash dont get it|||dont get a credit card
What is the best way to consolidate credit card debt with low income?
I have racked up about $10,000 in credit card debt stemming from college and medical expenses. What is my best option as I am still a student and working with a very limited budget? Are there hidden catches to debt consolidation companies; if so what?|||i say do it your self -- down size your life style to the bare bones and only buy what you need now what you want -- than take the credit cards and start paying they down with each getting the required payment and the highest interest receiving any money that is left over from your new life style!!!|||Credit cards are expensive financial products with high interest rates charges that could kill. Gradually, long outstanding plastic money dues result in a situation where the total sum of your monthly payment goes towards the payment of interest and charges and your total outstanding remain the same. If this is the case with you, do not delay and seek the services of a professional debt consolidation company for getting out of this vicious cycle and becoming debt free.
Manage Card Blues With An Easy Monthly Payment
Credit card debt consolidation management programs are good ways to eliminate card blues. These companies can help you with a contingency plan when you are under constant pressure of clearing dues as soon as possible or the pile of debt keeps mounting up. Its no denying the fact that making payments at one go is not as easy as it said. This becomes even more difficult if you do not enjoy a good credit rating, thanks to long overdue bills. This is where you need the services of professionals who hold expertise in consolidating debt and loans with a multi pronged program for debt reduction and financial management.
Companies offering credit card debt consolidation services have staff or skilled representatives and managers who help you in alleviating your problems. These companies and professionals offer one or combination of the following for easing your debt burden and setting you free from the hassles of harassing collection calls:
# Representatives help by negotiating with all your individual creditors on your behalf to reduce or minimize payment follow-ups and collection calls till such time they devise a settlement plan for you.
# On the other hand, managers the consolidation company talks to the creditors and settle lower interest rates. They also help by checking additional hazards like late fees and other penalties.
# In some cases, the company can also help in reduction of total amount due of your cards. Read more from: http://www.credit-card-gallery.com/artic鈥?/a>|||Don't consolidate. Negotiate the lowest rates you can and PAY THEM OFF. Mentioning the rate for balance transfers on the offer you got in the mail this morning can't hurt.|||Hi,
I used "Credit Solutions" to settle my debt.They managed to reduce my debt up to 58%.It's legitimate.I came across this company on NBC News Special Edition.Check it out here:
http://shortlinks.co.uk/4cl|||Do not send the payments late, the late charge is ridiculous. I would pay minimum requirement to the credit cards with lowest interest rate. Focus on the one with highest interest rate and pay it with all the money you have left. When you pay off the highest interest credit card, do the same with the next high interest rate. You, however, can borrow money from student loan, this loan allow you to wait on the interest; when you borrow the money from student loan, use it to pay all the credit cards. At the end, you should live below your mean; and do not need contact the debt consolidation companies, with them, you still have to pay. I have heard a lot of bad news about them, they are not that helpful.
Manage Card Blues With An Easy Monthly Payment
Credit card debt consolidation management programs are good ways to eliminate card blues. These companies can help you with a contingency plan when you are under constant pressure of clearing dues as soon as possible or the pile of debt keeps mounting up. Its no denying the fact that making payments at one go is not as easy as it said. This becomes even more difficult if you do not enjoy a good credit rating, thanks to long overdue bills. This is where you need the services of professionals who hold expertise in consolidating debt and loans with a multi pronged program for debt reduction and financial management.
Companies offering credit card debt consolidation services have staff or skilled representatives and managers who help you in alleviating your problems. These companies and professionals offer one or combination of the following for easing your debt burden and setting you free from the hassles of harassing collection calls:
# Representatives help by negotiating with all your individual creditors on your behalf to reduce or minimize payment follow-ups and collection calls till such time they devise a settlement plan for you.
# On the other hand, managers the consolidation company talks to the creditors and settle lower interest rates. They also help by checking additional hazards like late fees and other penalties.
# In some cases, the company can also help in reduction of total amount due of your cards. Read more from: http://www.credit-card-gallery.com/artic鈥?/a>|||Don't consolidate. Negotiate the lowest rates you can and PAY THEM OFF. Mentioning the rate for balance transfers on the offer you got in the mail this morning can't hurt.|||Hi,
I used "Credit Solutions" to settle my debt.They managed to reduce my debt up to 58%.It's legitimate.I came across this company on NBC News Special Edition.Check it out here:
http://shortlinks.co.uk/4cl|||Do not send the payments late, the late charge is ridiculous. I would pay minimum requirement to the credit cards with lowest interest rate. Focus on the one with highest interest rate and pay it with all the money you have left. When you pay off the highest interest credit card, do the same with the next high interest rate. You, however, can borrow money from student loan, this loan allow you to wait on the interest; when you borrow the money from student loan, use it to pay all the credit cards. At the end, you should live below your mean; and do not need contact the debt consolidation companies, with them, you still have to pay. I have heard a lot of bad news about them, they are not that helpful.
What kind of credit card can I get if I have little or no credit?
I want to start building up my credit history but everytime I apply for a credit card I am denied because I don't have enough credit history. What kind of credit card can I get that WILL except me.|||Bad credit problem can be caused due to a number of situations. The credit card choices available to bad credit people allow them to rebuild their credit history. Financial products that help bad credit people are prepaid credit cards or debit cards, secured bad credit cards, unsecured bad credit cards.
Prepaid or debit cards:
These are the easiest option available for bad credit people. There are no verifications, no credit checks, no employment requirements, and the approval is instant. All they have to do is to deposit a money and a prepaid card is issued. This card has the borrowing or buying capacity equivalent to the funds deposited. The good thing with prepaid credit card is that it promotes financial discipline. Some prepaid card issuers report to various credit rating agencies, thus it helps in rebuilding your credit history. Apply online at: http://www.credit-card-gallery.com/PrePa鈥?/a>|||Try your local bank or credit union. I prefer credit unions - they usually have the best rates and are the most lenient. You could also try getting a secured card if you don't get accepted elsewhere.|||I recommend the Orchard bank card. It is for people with bad or no credit history. They report to credit bureaus to build your credit.|||Start with gasoline credit cards.
If you get nowhere with that, have somebody else co-sign a credit application and then when you've got a few months (or a year) of use on the card, transfer it to your name only.
I did that to help my brother get a Visa card. Now he has a mortage, several credit cards, a wife and children.
He never calls to thank me ;)|||If you are a student, try a student card. Otherwise, your best bet is to go for a secured card. These are a bit of a hassle, but you are pretty much guaranteed to be approved and they build your credit history up really fast.|||go here and click on no credit http://www.bestcreditrates.net|||Two easy credit cards to get with little credit is First Premier Bank and Orchard Bank. They will build you credit but they both have annual fees.|||high intrest! if you do decide to get one of theses pay it off every month! that will build your credit then after six months tell them you want a higher limit and a lower intrest rate! then just keep payin it off ya don'[t want to be in debt! good luck. visa mastercard will have something for you but pls get only 1!! they can be scary
Prepaid or debit cards:
These are the easiest option available for bad credit people. There are no verifications, no credit checks, no employment requirements, and the approval is instant. All they have to do is to deposit a money and a prepaid card is issued. This card has the borrowing or buying capacity equivalent to the funds deposited. The good thing with prepaid credit card is that it promotes financial discipline. Some prepaid card issuers report to various credit rating agencies, thus it helps in rebuilding your credit history. Apply online at: http://www.credit-card-gallery.com/PrePa鈥?/a>|||Try your local bank or credit union. I prefer credit unions - they usually have the best rates and are the most lenient. You could also try getting a secured card if you don't get accepted elsewhere.|||I recommend the Orchard bank card. It is for people with bad or no credit history. They report to credit bureaus to build your credit.|||Start with gasoline credit cards.
If you get nowhere with that, have somebody else co-sign a credit application and then when you've got a few months (or a year) of use on the card, transfer it to your name only.
I did that to help my brother get a Visa card. Now he has a mortage, several credit cards, a wife and children.
He never calls to thank me ;)|||If you are a student, try a student card. Otherwise, your best bet is to go for a secured card. These are a bit of a hassle, but you are pretty much guaranteed to be approved and they build your credit history up really fast.|||go here and click on no credit http://www.bestcreditrates.net|||Two easy credit cards to get with little credit is First Premier Bank and Orchard Bank. They will build you credit but they both have annual fees.|||high intrest! if you do decide to get one of theses pay it off every month! that will build your credit then after six months tell them you want a higher limit and a lower intrest rate! then just keep payin it off ya don'[t want to be in debt! good luck. visa mastercard will have something for you but pls get only 1!! they can be scary
How do you get a credit card when you have bad credit?
I have checked online and everything, but it seems no one will give me a credit card, unless they make you pay for it or it's a scam.|||here there's good info
http://credit-cards.ebookorama.com
and perhaps here
http://finance.ebookorama.com
http://credit.ebookorama.com
http://credit-repair.ebookorama.com
if you get any luck please don't forget about me lol, hope it helped you!|||Walk for 2 minutes along the sidewalks of ANY college campus in this country. Problem solved!|||try orchid bank but the interest rate will be very high|||use you parnts address or another address that you know will have a good credit rating.
Sometimes you suffer because houses have been blacklisted and even though new people have moved in you are still penalised.
On the online application try exagerating a bit, say you earn a few grand more than you do, also say you are a Dr then you're bound to get loads of credit.
good luck|||If you cannot clean up you credit report, usually you only option is a self-funded card, kinda like an ATM card. It won't let you have a revolving balance, but perhaps that's what got you in trouble in the first place? Anyway, a bank ATM will allow you to do everything a regular CC will except the revolving aspect. Of course you will need to have the funds in the bank to cover it.|||There is three options for you, one is a pre-paid credit card and you can get those really anywhere now, or at your local currecny exchange which is a place you can cash your checks at and buy money orders.
or 2nd option you can go online to
www.credit-card-outlet.com this place one of these places will deffinetly give you a card, my sister got a card and has really bad credit!
badcredit.creditcard321.com
www.badcreditoffers.com
www.creditcards.com
cc.bridgetrack.com
3rd option is to try this www.creditcardsusa.net whish will give you a small line of credit, and you would have to pay it for a year while using it and then you can get a higher limit it basicly helps you fix your vcredit so other debter will then see that you can have a credit and therefor will also join in and give you theres
good luck|||Some banks offer credits cards made especially to help improve damaged credit. I know Bank of America offers it. Check with your local banks.|||My wife had secret credit cards, which I took and refused to pay off, cause she doesn't need them.
By now her credit should be rotten and she is still getting invitations to credit cards in the mail.
So the answer to your question is YES and I have no idea why.|||credit improvement book|||Try cleaning up your bad credit by disputing all negative accouunts even if they are yours. Also try to piggyback off someone who has goos credit.|||Make an appointment to talk to a banker/loan officer you know or who knows your family/employer, or is well-known to a good friend/relative of yours. Discuss what went wrong and how you firmly plan to make it right. Take matters in your own hands and make attempts to fix it the best way you know how.|||Have you considered the Imagine MasterCard at http://creditoffernow.com/imaginecard. You don鈥檛 need to have good credit to get a great credit card. $350 Gold Master Card. I wish you well.|||you cant unless you pre pay|||Easy just apply for an application fill it in then write a letter saying that you have done this blah blah in the past and now you have turned over a new leaf. Staple this to the application form for it to be hand read and not go throught the computer for reply. Good luck keep trying the same companies and also try a site that compares credit cards so that you can pick the ones that always come up they are the ones that need you more than the other way around.
Also get free credit assistance from http://www.ezcreditrepairsolutions.com|||Well your questions speaks for itself, You are not going to get another credit card if you have "bad" credit. it's very unlikely. To get your credit rating back up a useful hint is to have a steady flow on money going into %26amp; out of your bank account of regular but frequent amounts. Also pay any bills you owe by Direct Debit / standing order. The Banks control your credit rating! Doing this will help.|||You may have to apply for a secured credit card. Try 1st premier bank card and provian banks|||There are banks that would be able to give you a credit card but you rate is going to be really high and there will be an annual fee too. You can always have someone get the card and you can be an authorized user.|||First of all if you already have bad credit, 86 the idea of accumulating more debt by attempting to get a card. Change your habits and deal with cash only until you learn to manage your money and improve your credit worthiness. Do not attempt to put your self in a deeper hole.
http://credit-cards.ebookorama.com
and perhaps here
http://finance.ebookorama.com
http://credit.ebookorama.com
http://credit-repair.ebookorama.com
if you get any luck please don't forget about me lol, hope it helped you!|||Walk for 2 minutes along the sidewalks of ANY college campus in this country. Problem solved!|||try orchid bank but the interest rate will be very high|||use you parnts address or another address that you know will have a good credit rating.
Sometimes you suffer because houses have been blacklisted and even though new people have moved in you are still penalised.
On the online application try exagerating a bit, say you earn a few grand more than you do, also say you are a Dr then you're bound to get loads of credit.
good luck|||If you cannot clean up you credit report, usually you only option is a self-funded card, kinda like an ATM card. It won't let you have a revolving balance, but perhaps that's what got you in trouble in the first place? Anyway, a bank ATM will allow you to do everything a regular CC will except the revolving aspect. Of course you will need to have the funds in the bank to cover it.|||There is three options for you, one is a pre-paid credit card and you can get those really anywhere now, or at your local currecny exchange which is a place you can cash your checks at and buy money orders.
or 2nd option you can go online to
www.credit-card-outlet.com this place one of these places will deffinetly give you a card, my sister got a card and has really bad credit!
badcredit.creditcard321.com
www.badcreditoffers.com
www.creditcards.com
cc.bridgetrack.com
3rd option is to try this www.creditcardsusa.net whish will give you a small line of credit, and you would have to pay it for a year while using it and then you can get a higher limit it basicly helps you fix your vcredit so other debter will then see that you can have a credit and therefor will also join in and give you theres
good luck|||Some banks offer credits cards made especially to help improve damaged credit. I know Bank of America offers it. Check with your local banks.|||My wife had secret credit cards, which I took and refused to pay off, cause she doesn't need them.
By now her credit should be rotten and she is still getting invitations to credit cards in the mail.
So the answer to your question is YES and I have no idea why.|||credit improvement book|||Try cleaning up your bad credit by disputing all negative accouunts even if they are yours. Also try to piggyback off someone who has goos credit.|||Make an appointment to talk to a banker/loan officer you know or who knows your family/employer, or is well-known to a good friend/relative of yours. Discuss what went wrong and how you firmly plan to make it right. Take matters in your own hands and make attempts to fix it the best way you know how.|||Have you considered the Imagine MasterCard at http://creditoffernow.com/imaginecard. You don鈥檛 need to have good credit to get a great credit card. $350 Gold Master Card. I wish you well.|||you cant unless you pre pay|||Easy just apply for an application fill it in then write a letter saying that you have done this blah blah in the past and now you have turned over a new leaf. Staple this to the application form for it to be hand read and not go throught the computer for reply. Good luck keep trying the same companies and also try a site that compares credit cards so that you can pick the ones that always come up they are the ones that need you more than the other way around.
Also get free credit assistance from http://www.ezcreditrepairsolutions.com|||Well your questions speaks for itself, You are not going to get another credit card if you have "bad" credit. it's very unlikely. To get your credit rating back up a useful hint is to have a steady flow on money going into %26amp; out of your bank account of regular but frequent amounts. Also pay any bills you owe by Direct Debit / standing order. The Banks control your credit rating! Doing this will help.|||You may have to apply for a secured credit card. Try 1st premier bank card and provian banks|||There are banks that would be able to give you a credit card but you rate is going to be really high and there will be an annual fee too. You can always have someone get the card and you can be an authorized user.|||First of all if you already have bad credit, 86 the idea of accumulating more debt by attempting to get a card. Change your habits and deal with cash only until you learn to manage your money and improve your credit worthiness. Do not attempt to put your self in a deeper hole.
Can you use a foreign credit card when paying for a background check?
I will be applying for a background check soon. The payment is $18 US dollars. There is an option to pay by credit card. Will it work if I use a foreign card? I am currently in korea. Thanks.|||It all depends on what their payment options are. lets say you have a mastercard - you can use a mastercard to pay then if they offer that.
if they accept paypal for payment (which sites often times do) then you can use paypal to pay for that.|||If it is Visa or Master Card, yes, American Express, no !
if they accept paypal for payment (which sites often times do) then you can use paypal to pay for that.|||If it is Visa or Master Card, yes, American Express, no !
What are the requirment of getting a credit card?
is there an age limit? does a person have to be a citizen of the United States ti get a credit card? can a parent give a credit card to their children to use?|||you have to be 18 years old, have a job and have a social security number, check out www.fastcreditcardapprovals.com here you will be able to compare them side by side on rates, fees and rewards.|||You have to be 18. You more than likely have to be a citizen. A parent can give a child a credit card to use legally if they have the child listed as an "authorized buyer/user" on the account.
Is it better to close paid off credit card accounts or keep them open, if you want to improve your score?
I have about 8 credit card accounts, only two have moderate balances, a few more with low balances and three at zero balance. Would it improve or hurt my credit score to close the three with zero balances?|||No, don't close any accounts until you have them all paid in full. Closing accounts lowers your overall limit which increases your debt percentage. Carrying balances of more than 30% of your limit, hurts your score.
Once you have them all paid off, you may want to close some. Keep the two oldest major credit cards that do not charge annual fees. If you have another major credit card with better APR/limit/rewards, keep that as well. Only keep store and gas cards if you have some special purpose and actually use the account.
Close accounts via letter and request written confirmation that the account is closed and 0 balance. Keep your request and the confirmation in your "forever" finances file.|||You would hurt your credit score. It is based on the percentage of unused credit available to you.|||Too many credit cards will hurt your credit score so as you have low debt to credit ratio. Use the guideline that overall debt/credit ratio should be less then 30%...or 35%.|||I've made this statement on several other responses relating to credit cards, balances owed and their credit limits. I think it bears repeating.
Banks will look for ANY reason to justify higher interest rates. Too many credit cards is one of them. You have 8 cards. Let's say each has $2,000 limit ane you owe 0$ on all 8. Sounds good, doesn't it? Your debt to limit ratio is 0%. Even if you have $400 balance on each one, you're under the 30% recommended ratio. The problem is you have a POTENTIAL debt obligation of $16,000. That may impact your ability to pay your other debt obligations (mortgage, car payment, living expenses, etc). That could put you in a higher risk bracket.
What we did: Got rid of all credit cards (in 1988) and took the minor hit on our FICO for the next year. Put our monthly payments into a savings account. Our FICOs were over 780. We were able to buy a second home with no problems (low interest) and finance a car.
FICO scores are a means that banks use to extort money from consumers in the form of interest and fees. You are actually BUYING a FICO score, not EARNING it.
Once you have them all paid off, you may want to close some. Keep the two oldest major credit cards that do not charge annual fees. If you have another major credit card with better APR/limit/rewards, keep that as well. Only keep store and gas cards if you have some special purpose and actually use the account.
Close accounts via letter and request written confirmation that the account is closed and 0 balance. Keep your request and the confirmation in your "forever" finances file.|||You would hurt your credit score. It is based on the percentage of unused credit available to you.|||Too many credit cards will hurt your credit score so as you have low debt to credit ratio. Use the guideline that overall debt/credit ratio should be less then 30%...or 35%.|||I've made this statement on several other responses relating to credit cards, balances owed and their credit limits. I think it bears repeating.
Banks will look for ANY reason to justify higher interest rates. Too many credit cards is one of them. You have 8 cards. Let's say each has $2,000 limit ane you owe 0$ on all 8. Sounds good, doesn't it? Your debt to limit ratio is 0%. Even if you have $400 balance on each one, you're under the 30% recommended ratio. The problem is you have a POTENTIAL debt obligation of $16,000. That may impact your ability to pay your other debt obligations (mortgage, car payment, living expenses, etc). That could put you in a higher risk bracket.
What we did: Got rid of all credit cards (in 1988) and took the minor hit on our FICO for the next year. Put our monthly payments into a savings account. Our FICOs were over 780. We were able to buy a second home with no problems (low interest) and finance a car.
FICO scores are a means that banks use to extort money from consumers in the form of interest and fees. You are actually BUYING a FICO score, not EARNING it.
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