Barrett Felicia: You are going to cause damage to your credit if you get a card.Carrying balances is the fastest way to destroy credit.If you ever get a card, charge something you need each month and pay in full when you get the bill in the mail. Not the minimum, not more than the minimum, but in fullWhen you pay in full each month, you not only avoid paying interest, you develop amazing creditConclusion: Do not get a credit card if you play to pay over timeI've seen credit card balances destroy credit, which can devastate lives...Show more
Cassey Hollinghurst: I am just astounded by these numbers. What are we spending all this money on. Here's my ref.http://americanaffairs.suite101.com/article.cfm/ou...
Cassidy Pangrazio: Don't get a credit card
Doreatha Kjellsen: Here you will find an answer! Use the search on the right in case you need more information: http://answer1.credit-advisor.net
An Trebil: I would get a credit card. Use it to make ! normal purchases and pay the balance in full every month. This will help increase your credit score quickly.Try Orchard Bank. The annual fee is among the lowest for sub prime cards and the interest rate is 14.90%. If you handle the account good, they will give you excellent credit line increases.Avoid First Premier, Tribute, Rewards 660, Imagine, Total, and Continental Finance. These are all high fee / low limit credit cards.Avoid secured credit cards. Most report your status as secured and this does nothing to help build/rebuild your credit.Avoid Capital One. They do not report your credit limit and that damages your credit score. Example, they give you a $500 limit and you use $250, they will report your limit as $250. This will damage your credit score because instead of using 50% of your credit limit, it looks like you are using 100% of your credit limit.Good luck...Show more
Sook Hershkowitz: and was i supposed to make a pin when i signed up?? because i don't rem! ember it if i did
Rodrigo Pezley: Bombing Afghanistan, I! ran, Iraq. Send military to those country. The cost to build bombs and machinery is huge.
Hwa Waterford: i just got a credit card at utah community credit union (uccu), but i have yet to receive my card in the mail. Meanwhile, if i need to buy something with a card I will need to use my number. How do I figure out what that is?
Alisia Sutphen: You can know all about credit cards and how to use credit cards offline/online and how to get the best credit cards in the blogspot down here. There arePlease visit http://buyfreecreditcards.blogspot.com/Thanks. Hope-->you will find a wealth of information. Thanks again....Show more
Cletus Crotts: I also am rebuilding my credit . My bank WAMU offered me a card I was accepted I was floored..but I always make my payment on time and I double the payment I also got a credit account with Fingerhut and paid that off as well. I went from a FICO score of 500 to 711 in a year it took time .
Sook Hershkowitz: a good cre! dit card to help establish and start building credit is the US Gold Bankhttp://www.simple-small-business-ideas.com/credit-...
Alexander Villas: I am 19 and want to try to build my credit. I don't want to like use the card and speed say 150$ the first month and then when I get the bill have to pay it right back. I want to pay it back a little over time. Also, I don't plan on spending that much in a month, that's just an example. I don't really have credit, so I'm trying to build my credit. Also, I want a card that doesn't have a ridiculous interest or annual fee. Thanks in advance.
Lauri Ohl: Students get numerous offers for credit cards when they enter a college. Some of them get carried away and take a few, and then use them to pay for all kind of things, and end up in debt. This is definitely not advisable. Credit cards are essential to building a credit history but too many credit cards do not build credit history faster. The thing that matters most for c! redit reporting agencies is how well you are able to repay your debts. ! Remember any credit card money is a loan which has to be repaid. The less the loan the better it is for you. So, try to get one good credit card and start using it wisely. You can take tips about raise your credit score and rebuild credit history at: http://www.credit-card-gallery.com. Here you can apply online and get instance approval....Show more
Linwood Mccory: It depends, take a look at the credit cards your current bank offers. You should build a long term relationship with a bank...it helps.
Antonia Quinnett: either you contact the uccu and ask them, or you just wait for your card. it shouldn't take long!
Rosalyn Olivera: Need a good prepaid MasterCard with no credit check. when you put $40 on it they add an extra 20 http://bit.ly/1kuNALB it took 10 days for mine to get hear. you can even attach it to a PayPal account and use the card for a bank. you can even earn $20 when your friends get one.
Terrell Lawman: Hey, I'm sorry that you're in the! situation that you're in but hey, that's why they put rubber at the end of pencils, right? From my past experience, you may want to check where you do your banking to see if they offer secured cards. You have to put a deposit upfront to get the same amount in a line of credit, but that's the easiest way to get a card to rebuild credit. You can think of a secured card as building credit with a savings account, because in essence, that's exactly what you would be doing. Bank of America, Wells Fargo, and Orchard Bank(HSBC) all offer secured cards. Orchard Bank also offer cards for rebuilding credit. I posted links to all three companies below. Stay away from First Premier and New Millenium, they charge too many fees and Capital One doesn't report your account properly with the bureaus. I hope this helps out, good luck!...Show more
Ezekiel Kadner: hey.. same thing happened to me.. You're probably not going to be able to get a regular card from Capital one or Amex,.... bu! t try out Orchard Bank or Premier.. you have to pay yearly fee.. but i! t's worth it for a) emergencies & b) building up credit
Isreal Kochheiser: First of all, you need to learn how to not live on credit. Secondly, if you think you've learned your lesson, you can go to your bank or credit union and apply for a secured credit card. You put money in an account and the card is backed up by that account. If you don't pay it, the bank keeps your money. You can then charge a little to it each month, perhaps for a utility that you need to pay anyway so you don't overspend. This gets reported to the credit bureaus as a positive payment history. After a while, usually a year or two, they may convert it to an unsecured card and perhaps raise your limit. Save money for the things you want and live below your means. Don't charge things to credit cards that you don't need. If you want to build history with cards, charge utilities to them, don't use them for every day shopping....Show more
Maritza Ebanks: I used www.independentcreditexperts.com ! It worked a logt faster than tryign to do it myself. Give it a try!
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