What is the best way to get my first credit card to build credit?

I'm a college student and would like to get a credit card (for building up my credit for my future). I have a savings account, and have some money in it. I am also a full time student. I also do not have a job. What is the best and safest way to get my first credit card where I will be approved?|||Since you are a college student, most credit card companies would probably be thrilled to issue you a credit card (they make a lot of money by taking advantage of college students) but as long as you are responsible, you can make them work for you and see to it that they never get a penny of interest from you. Just be sure to make your payments on time.





I'm surprised you're not getting offers in the mail already (I used to get them every other day or so). Just contact Chase or Capital One and see who has the best offers. You should be approved for at least a small line of credit, no prob.|||go to http://www.rscreditcard.com/ and sign up for a Credit Card this site has all the major credit cards

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|||Hey, if you're looking just to build credit, there are ways in addition to credit cards: CD loans, car, house, student loans, etc....all those go in to your credit history. Assuming you're responsible and pay on time and keep low balances, you'll have fantastic credit.





I write a blog on personal finance and wrote an article about establishing good credit:





http://www.sweetsoundofmoney.com/2008/04/11/establishing-good-credit/





Check it out and hopefully you'll find some info that helps. Good luck!|||check www.myfirstcreditcard.com.au to see what the providers are after they are some non bank lenders on the panel good luck|||Store credit is the easiest such as Sears. You could also try HSBC or Washington Mutual which are very "new to credit" friendly.|||Go to www.bankrate.com and it can help match you to the proper credit card. They had some on there for students last time I looked.

How long after paying off a loan or credit card, does your credit record change?

Just wondering, as i intend to buy a house next year and want the best possible credit score.





At the mo ive got a loan and a credit card, which makes your credit score lower right?





Anyone know anything about it? And how long does it remain on your credit record and effect your score?|||Having a loan and credit card balance may not lower your score.


It's a whole picture sort of thing ... basically your plus money (income)


vs your minus (debts) and what you've got in the bank and how well


you pay your bills - they like to see you pay consistently and on time


not always paying everything off (besides a balance makes them money) How long it takes to change a credit score ? don't know but


I'm sure like everything else a negative probably shows up faster than a positive ---- and good luck on your home purchase !|||No, having a loan and a credit card doesn't lower your score. As long as you pay them on time, they will build your credit score.





It is best not to carry balances on your credit card. Use it and pay it in full every month. This will give you more good payment history -- the longer the good history, the better the score.





If you only have these two items on your credit report, you might want to get another major credit card to expand the number of tradelines. Use the card for small purchases every month and pay in full.





Many other factors go into consideration for a home loan. Your employment history, salary, debt to income ratio, assets like saving/IRA/401K, and downpayment.





If you are not already doing so, put a set amount in a savings account every payday toward the downpayment and closing costs.

What happens to a prepaid credit card when the money is spent?

I know how credit cards work, and for the most part prepaid(even though I've never used one), but I'm not sure about what exactly happens when the full dollar amount is spent on the prepaid card.|||Some are reloadable but most are simply garbage after they are empty .... shred it.|||bankers come round to your house and eat it

I have a credit card limit of $500 where should I keep my balance to raise my credit score?

I am young and broke, what is the most i can have on the credit card and still raise my credit score?|||Making purchases and paying it off each month is fine. Some prior clown said paying it off makes you a deadbeat... this is in the eyes of the credit card companies. They don't determine your FICO by how much money you make for the credit card company. It is determined by percentage of available credit in use, your payment history and age of accounts. Please see:


http://www.myfico.com/CreditEducation/Wh鈥?/a>





Don't apply for more cards either. 2 major cards are perfect. Your FICO takes an 8 point hit just to have credit pulled and then negative impact for frequent credit inquiries and new accounts.|||u have a suky credit card man|||The best thing to do is charge about $100 and pay it off. Then close it. They do like you to have an open 0 balance. If you charge on it and pay it off, it shows a good pay history, if you just leave it at 0 and never charge, it doesn't do you anygood. Make sure you apply for cards with no annual fee.|||http://www.daveramsey.com/





Try here|||Housewrkrm is WRONG!!!!! In the halls of the credit card companies the definition of a deadbeat is someone who pays off their balances each month. The CC companies make money only when you use your card and carry a balance. With a $500.00 limit you should carry a balance of no more than $249.00 (%26lt; 50% of the credit limit). That will build your score the fastest. Also, get more cards from department store or gas companies and follow the same rules. Your score will climb!|||Do not charge over $250.00. Pay it off before the bill comes out. Even if you pay it a couple times a month. Used it for things that you would buy every month with cash like gas........ You could over pay by $5.00 each month to show a postive balance. Your credit score with increase.|||zero|||Greetings,,,,





Keep your balance less than 50% of available credit... You should leave a small balance on it... For two/ THREE billing cycles.... THIS will look good to the credit company.... Now for your credit score, a forward balance does not matter.. As long as it is paid on time,,,,, But you do not want to exceed 50% of your avaialbe credit... Use to a 0 balance could effect your score but the federal goveremtn said NO to this...





No matter what pay your credit card on TIME, even if you have to sit in the dark for a few days..... Do not go over your limit this will affect your credit score, ALSO the issueing company will not raise your limit if you go over all the time...





Also, do not pay it off and CLOSE your account... Your credit score looks for LONG account history...|||as long as you make the required payment when it's due , you will have a good rating


the over due payments are what's reported on your rating|||Have a look here.

What is the best credit card with low APRs that updates you on your credit score?

I already have a bank of america credit card but as for now they won't increase my credit line is there another credit you think is good that i can get? I always pay ALL my bills on time.|||The easiest right now since it's Christmas is a department store...

What happens if you overpay on a credit card?

Say if you owed 拢100 on a credit card and you accidently sent a payment of 拢200 would you be 拢100 in credit or would your payment be declined? Is it possible to have positive credit on a credit card?|||it will appear as positive credit, there is nothing to worry about ive done it loads.|||Of course your account just goes into credit|||If you 'overpay' on your card it will just show up as a credit on your account. If you owe more in total than what you sent, the remainder will be applied to the principal. However, you will still owe another payment next month. Example: My Credit card balance is $400, my minimum payment due is $20. I send in $40. The remainder of the minimum payment due ($20) will go towards the principal. It will NOT cover 2 payments, you will still have to pay a minimum next month. It is possible to have a credit on a credit card account.|||Your balance would show as a negative by the amount yuo overpaid but you would be in credit so to speak and have the money available to spend|||Yes, it is possible to be in credit on a credit card account. I have sometimes done it to make sure that I cover next months' interest payment (if any) or if I am likely to be away from home when the next bill comes in. This keeps charges down, but of course they do not pay you any interest.|||I doubt that there would be any restraint on having extra credit on your card because that has to be something that happens frequently. Probably not a 100.00 worth, credit non the less. Good question.|||The overpayment amount would automatically go on your card,and be deducted from next months payment. I regularly pay a bit extra on my credit card when I can,so that the next months payment will be minimised,just in case I come into unexpected financial difficulties.|||the account will just be in credit thats all.|||You would have a credit balance on your card, which you could then use for purchases OR request a credit balance refund. If you go the route of a credit balance refund make sure to check how long the process takes. While most companies do this within 2 weeks, some may take up to 60 days.





onequesti0n|||yes you account goes into credit - HOWEVER





there is a pitfall here, that few people realise. If you buy something when you are "in credit" then the item is not covered by the credit cards insurance because you are not buying it under their "credit" agreement.





so spend it on something like a resturant meal where you know the goods are not going to fail and you have to make a claim.|||If you over pay on your credit card your outstanding balance will be paid off, and you will have a positive balance.





I usually do this if I have extra cash laying around and I want to see it put to good use. When it comes time to pay off next month's credit card bill, it'll come as an added bonus to yourself knowing that you don't have to pay as much.|||Yes, the acount just shows a credit that's all. But the money earns hardly any interest at all.





I have quite often inadvertently overpaid in the past, it's no big deal. It is still your money after all!!|||Some companies will return it to you, and others will simply credit you and extra 100. Just to make sure you should call them, you don't want to be out 100.|||Been there. Done that. Paid twice by accident.





They simply show it as a positive balance.|||Don't do that go shopping instead !!!|||i would think that you would have 100 on your credit card. that makes the most sense to me|||It never happen to me; but I do believe your credit card company or bank will accept your payment and credit the overpayment to your credit card account.

What do you consider low-interest rates on a credit card?

I'm a college student and I've never had a credit card of my own and I would like to get one not to go crazy with it or anything, but to start building my credit. I don't want to get the first credit card they offer me but I want to get one that has the lowest interest rates. What are considered low/high interest rates? Student credit cards? Any tips or a website that can tell me to easily avoid debt although I plan to have it only as an emergency card?|||How to build credit and get top scores at the same time (with time):

Use your credit card for small things you need like food or gas.

Pay in full each month.

52% of Americans use cards this way.

They carry the top scores.

Carrying balances is an easy way to destroy credit.



You don't want a low interest card. Why?

This will only tempt you to carry balances.

When you pay in full each month, you never pay interest.

So let that interest (APR) be 99.9%. You'll never pay it.



You only plan it to use in emergencies?

You need to set up an emergency savings account for this. Not a credit card.

Again, you need to use your card to develop credit.

If you don't use it, the credit reports will show $0 balance - no benefit.

Use it for very small things, and pay in full, and get scores that will amaze any future creditor|||If you have no credit history, you are not going to qualify for low interest cards. You may not be able to qualify for any unsecured credit card. You may have to start with a secured card -- you pay a deposit which is held as collateral against the line of credit.





Go to your bank and apply. Look for a card without an annual fee. Don't worry about the interest. Use the card for regular purchases, wait for the statement, and pay the balance in full every month. That way you will build credit history and avoid interest. The interest rate won't make any difference if you never carry balances.|||Well, you should only charge as much as you can pay IN FULL when the bill arrives, then you will not get charged ANY interest.





DON'T get a credit card for emergencies. The last thing you need in an emergency is to charge something and end up paying a fortune in interest on the item. You need to save up a "baby emergency" fund of $1,000. Better yet, save up a real emergency fund of 3 to 6 month's expenses.|||About 10% but if you don't carry debt on it, it really doesn't matter much. The best way to build credit is to use it regularly but to pay it off every month. Look for a card that gives you cash back and doesn't have an annual fee if possible. Student cards usually mean your parents are cosigners but you get a credit rating out of it. Usually a good deal.



JourneySM Student Rewards with Capital One looks pretty good. Higher interest but no fee.|||Being a student, you WILL NOT get low rates....period. In fact, you will get some of the highest rates allowed by law since you do not have established credit. Low rates are generally anything under 10% and high is anything over 20%. For your first card, consider anything under 25% a huge victory.|||If you want to establish good credit I suggest you forget about what the interest rate is and pay off your bill every month. I have excellent credit because that's what I do.|||200%

How do I get a company credit card removed from my personal credit report?

My company credit card is showing on my personal credit report. As most of you know, the credit card company asks for your social security# when you are issued a company card with your name on it. I am an employee only %26amp; have no personal responsibility to the debt. Even though the account is in excellent standing, it makes my credit-to-debt look sky high! How do I get it removed from my personal credit report?|||http://wiz.sc/credit-report is a good site to go to, to get credit report advice. they could probably help you i fixing the credit report ad take off the company card.|||Give Back the card|||You might want to make sure that you truly aren't responsible. Most companies today get you the corporate credit card but YOU are responsible for paying the bills and then, you submit your receipts and the company reimburses YOU. This was done at one place that I worked at. Double-check your employer's policy - especially since you had to put your SSN on the application.|||You need to check to see if your SSN is on the account or the company's TIN is. If the TIN is on the account, it shouldn't affect your credit, if it is your SSN, you are stuck for it. I would ask my boss to have my account paid off %26amp; closed, if I were you. This way you would lose that c2d ratio issue.

Can a merchant refuse a credit card that is not signed and therefore invalid?

All of my credit cards clearly state, "not valid unless signed", so I sign them and indicate that I also show ID with every transaction.



As a college business office, can I refuse to accept a credit card that isn't signed by the customer and is therefore invalid? Can any merchant refuse to accept an unsigned credit card for payment?|||signature block, and I very rarely even get asked to see my ID. The only place that has refused to take my credit card that was was some anal old biddy at the post office, even though all the other clecrks are fine with checking my signature against a government issues ID card. It seems to me that if the credit card comes back "approved" and you check the signature of the customer against a government ID you should be covered.|||None of my cards are signed.


This will just make it easier for someone to know what my signature looks like and make purchases.





As an office, keep in mind that even if that card is STOLEN, you will receive payment.


Under no circumstances do you even need to give a thought to any card being stolen.


Why would a merchant refuse a card - when payment is 100% guaranteed?


It simply is not a merchants job to accuse a customer of a stolen card.





As a customer, if your card is refused you should immediately contact the number on the back.


Visa will contact management and assure them that they will not be out any funds.|||Technically - SEE ID would suffice if they have their signature on their ID, but it is up to the merchant. The merchant has a right to turn down anything they feel is suspicious because of 'chargebacks.' One thing that is NOT allowed is the 'minimums' to use a credit card. Other than that - you have the right to refuse - but checking ID should be mandatory either way.|||Refuse a credit card because they are not signed? I do not sign my credit cards. I prefer the sales people to ask for my picture id.



Now if someone did not have a picture ID with that name, I would not take the credit card from someone.



I imagine a merchant can do whatever they want. But in this time, I would think that would be rather silly since there goes a customer when you reject their credit card. Although you working at a college business office, I would guess it would not be the same. But I am sure there would be many very unhappy students if you refused their credit card.



Wouldn't it be easier to just ask for their ID?|||I have "see photo ID" on all of my cards, only once in all the years I've had them was I refused to use one card unless it was signed. So I signed it small under "see photo ID" and the clerk accepted it.. I'm not sure if it's a law or he was busting chops or what, but he said I can not accept it unless it's signed. Which made little sense since I was offering my ID... But it is what it is. I still put see photo ID on all of them.. Although it rarely matters these days with the swipe machines, anyone could use it if they knew my pin.


So, I'm not sure if it's mandatory or not (I know having something on the card is, see ID or a signature) but I hear so many different things on various sites I'm not sure which is true.. I'll stick with "see photo ID" though..|||I don't think it is appropriate for you to refuse an unsigned credit card, but you can feel free to ask for an ID and compare it to the name on the card. You should check with your employer and your merchant services account support center before you start implementing a policy of refusing payments.|||I'm not entirely sure, but I know that I have never been told that my card is not valid because I have never signed any of mine. If the back of the card isn't signed, you just have to sign on a receipt, so I don't think you can actually refuse it.|||Yes. Credit cards are not suppose to be accepted without a proper signature on the back of the card. If not signed, it's not a valid credit card.|||Yes, they can. In fact, they're supposed to, at least according to this article:





http://www.creditcards.com/credit-card-n鈥?/a>|||Yes - unless of course you kow the person as a regular customer in which case you would simply suggest the person sign it there and then|||And at the same time, we're told to not sign the thing, lest our signature be stolen with the card and forged. Go figure.

What percent of credit card accounts that carry a balance has ever had a late payment?

I've been reading about credit card companies changing terms when a late payment is made, but I'm curious as to what percent of accounts (and how many total accounts )that carry a balance is affected by this.|||The FDIC (http://www.fdic.gov/bank/analytical/bank鈥?/a>


Has lots of information on the credit card industry. If you don't find what you need at the site, call them:





877-ASKFDIC (877-275-3342)|||Probably a pretty high percentage, especially lately, a lot of credit card companies have been changing their due dates to squeeze more money out.|||It is depends on amount as well as how much you had late for a payment

What is the best kind of credit card for a college student to have?

I know nothing about credit, interest rates, payments, etc. Can somebody reccomend a credit card that would suit a college student, and give me the jist of establishing good credit? Also, what should I look for when making my final decision? What is important to know?





Thanks so much!!|||Basically, any kind of credit card you get may or may not get you into trouble. I got into a lot of trouble when I was a college student with new credit, and several of my friends had to file bankruptcy...so be careful when you get cards. It's not the type of cards you get, it's what you buy with them. If you spend too much, you'll get your butt kicked by the companies.





Now with that warning aside, you can get any kind of credit cards as a college student. You have no credit history, so you will most likely get rates from 14% and up. The best cards to get are ones that offer you points or miles for your purchases. That way, you get something back for what you buy. And if you can help it, try not to get more than $1,000 of credit at a time (unless you are buying a car or a house), that way you can easily make the payments even while you are in school.





Now as far as which cards, I highly recommend Citibank's Points card. You get extra points for buying gas and groceries, and you can use the points for travel, electronics, gift cards, etc. This especially comes in handy at Christmas time when you want to buy gifts but don't want to spend money. Or if you want to take that last minute trip to Europe that you really can't afford.





Hope this helps.|||American Express has several kinds of cards designed specifically for students that give you money back when you spend, the interest rate is about 11% which is really low. You can find out the student cards by going to americanexpress.com or calling their new accounts number on the website.|||bankrate.com lists credit cards and interest rates and the rewards and stuff.


The most important thing about establishing good credit is to always pay on time every time and if you spend more than you can reasonably pay back, you will have a problem.


Let's say you need a tv. You want to spend 300 bucks on a tv but you don't have the cash. You put it on a credit card which charges 15% interest. Your first bill will come and it will reflect the 300 that you spent, it will tell you the due date of your payment and it will tell you what the minimum payment is. The minimum on a 300 dollar purchase is probably around 10.00. But if you just pay the minimum, you'll be paying that balance off for over 3 years and you would have spent about $72 in interest. And that's if you don't charge anything else during those 3 years. If instead of the minimum, you paid 50/month, you'll pay it off in 7 months and pay about $10 in interest.


I'm just going into so much detail because you say you know nothing about it. But here's the other thing. If you're ever late on a payment- I mean, EVER, (even a day late) they jack up your interest rate and they charge you a late fee which they add to your balance, so it's crucial that you ALWAYS pay on time.


Does that help at all?|||Iarechigz,


thanks for the giggles.


it is nice to know colleges do not teach enough.


your best bet is CASH.


credit works this way -


u pay for something say 100$ at counter , in truth u pay 125 -150$ in total payments. can u say slave?


if u need more money -work that is how it has been done b4.


suggest u do study daveramsey.com to learn what the credit slave industry prays u never ever learn- how to own ur cash.


did u know some 20-30% of graduating college students file bankruptcy in five yrs ?


#1 cause credit slave cards. not student loans.


learn b4 u sign away ur life.|||Here's the best strategy for using credit cards and building your credit:





1. Get a rewards credit card that will pay you well for your normal spending (what you'd spend your cash on even if you didn't have a credit card). A couple of the better student rewards cards are the Citi mtvU and Citi Driver's Edge for Students cards (see below for more advice).


2. Funnel most/all of your normal spending through your credit card(s)


3. Pay your balance in full every every month





That way you will:


1. Build your credit quickly


2. Avoid interest


3. Earn rewards





To quickly see which student rewards credit card will pay you the most for your normal spending, you can use this rewards calculator:


http://www.creditcardtuneup.com/?card_ty鈥?/a>|||you might want to go here to compare them, pick one that is right for u


http://www.bestcreditrates.net|||Discover庐 Student Clear Cards





* 0% Intro APR* on Purchases for 6 Months


* No Annual Fee


* $0 Fraud Liability Guarantee


* Easiest Online Account Management Options


Get more information about it at: http://www.credit-card-gallery.com/cgi-b鈥?/a>|||None. If you have no job and are only a student, do not get a credit card. If you are working then, O.K. - apply for the credit cards with the lowest overall interest rates. APR.|||I think the best credit for a college student is a secured credit card. This way it requires responsibility on your own behalf the whole credit game is dangerous and should be used very wisely.





I would recommend a not -for -profit type like a credit union - see if you have a relative that has a credit union. They can be in my opinion better.

What are your experiences with a secured credit card?

I'm curious if anyone with a secured credit card is interested in sharing their experiences? Specifically, did you ever miss any payments? What happened when you missed a payment was the collection process what you expected? Did you write off a secured credit card? I'd love to see if there is a difference in collection methods between a regular credit card and a secured credit card. Thanks.|||Look into this website, they have some excellent information about your question:





http://the--credit-cards.blogspot.com/


http://secured-credit--cards.blogspot.com/

How would hardship agreement with credit card company will affect my credit history?

I have to many credit cards to pay right now. I wanted to know if I call the credit card companies and tell them that I have a hardship time paying my minimum, and ask them to lower the APR%, how would all this affect my credit score and history.





Thanks in advance!|||Yes it will. Any settlement involving reduced payments will pretty much put your credit in the toilet. Think about it. You're announcing you can't afford to pay what you already owe. Why would anyone be willing to lend you more?

How to get alert from credit card transactions?

I have a small requirement that my customers are required to get an alert when thier credit cards are used as and when. Now I created an application that enrolls my customers willingness to get a alert when they purchase using their credit card. Now I need the credit card bureaus to inform me as soon as any transactions that happens. Is there any way to achieve this?|||contact the customer care executive of ur credit card provider|||That would have to be done through the creditor. They would have to set up some sort of alert. I receive e-mail alerts whenever a transaction is over a certain dollar amount. I set that up in my personal preferences. Each customer would have to do that.

How does a credit card for department stores work?

For example, say I got a Jcpenny credit card, what determines the minimum amount I pay each month? (Yes I know interest is high which is why I would pay more than the minimum). If I spend more, does that mean I pay more a month? Or does that stay the same?|||The minimum payment is different in every card.


An ex though: $500 balance - $40 min payment.


$1,000 balance $90 a month





Did you know that carrying balances is an easy way to destroy credit scores?


Remember that employers check, so do landlords and car insurance companies (you'll pay more). If you get this card use it to get those top scores.


Use it at least every 6 months to buy something you need, and pay in full when the bill comes in the mail. This way you also never pay interest.


54% of Americans use cards this way - they statistically hold those top scores


Don't let a credit card ruin your life|||The minimum payment is generally the higher of a base fee or a percentage of your balance. For example: It can be the higher of $25 or 3% of your ending statement balance. The more you owe, the higher the minimum payment.

How to use credit card in paypal and it is secure?

I want to buy something from paypal but I don't know how.Where I can find credit card number.It is the number in the front of the card.And where I can find the expiration date of my card.And also the CSC of my card.|||You can use your checking account with Paypal (that is their preferred form of payment) but if you want to use a credit or debit card then the number is on the front of the card as well as the exp date. The csc is on the back of the card, typically in the middle to the right side of the card (the last 3 numbers)|||The credit card number is on the front - typically the long 14 or 16 digit number. The expiration date is below it - often looks like "02/12" or 02/2012. The CSC is the 3 digit number often found on the back printed on the signature strip like 109 or something.





Paypal is pretty easy and secure. Just go in and sign up, they explain it along the way.


The nice thing is that you can add your credit card, then make the purchase, and then if you want, remove the credit card until next time , that way you're sure noone can use the info in the meantime.


I hope that helps Jim Frey

How to pay with a credit card through paypal?

I am in the process of buying a costume online and the only way to pay with through paypal. I read that you can put money on your paypal with a credit card. So I entered my credit card information on paypal, but how do I actually pay with paypal using money from my credit card?|||after you have gone thru all th address information click pay now,the paypal logo will appear and click it,paypal will charge your credit card the total amont of purchase

How much over my minimum monthly credit card payment must I pay for it to improve my credit?

I know that paying more than my minimum monthly credit card payment will improve my credit. But how much more do I have to pay? $1? 50%?|||Those other responses didn't directly answer the question.





First, it is correct that paying more than the minimum *won't* affect your score. What you are trying to accomplish is to keep from being characterized by the CC companies as a struggling payer. The strategy is to pay the min plus a little while paying down other cards.





My experience is that paying an extra percent above the min will keep the CC software from identifying you as a "minimum only" payer. To be safe since some companies are bumping the min from 2.5% to 3%, I suggest you pay 4%.|||You need to keep your debt-to-credit ratio down! For instance, if the limits on all your credit cards are $1000.00, Try to keep the total amount of what you owe under 20% of that $1000. The less debt you owe on your cards is what to strive for!!|||It doesn't matter what you pay monthly. Only that you pay on time. And once you have paid down to 50% of the max allowed, you will look better on paper. That you are not maxed-out..|||How much you pay monthly has NO bearing on your credit score. What matters is the balance in relation to available credit.|||pay as much as you can afford to

How do I know when to use credit card versus cash?

I've only recently gotten a credit card and I'm never sure if I should pay cash, debit or credit card. I know there is an advantage to putting stuff on the credit card because then you can earn points. However, I don't like to use it much because I lose track of my spending and don't have as good of an idea of how much I have spent. In what cases do you use a credit card instead of cash and vice versa. Thank you :D|||What you need to do is set up some sort of a spending log. If you have a smartphone get Mint.com on it and use it to track your spending. THEN you know how much you spent.





I believe if you setup online access to your credit card account Mint.com can even pull that for you and let you know exactly how much you spent. Check it out.





---


Kasey C, PC guru since Apple II days


11 Android Camera Replacement Apps Reviewed


http://hubpages.com/t/13a9b9|||use a credit card when it extends the warranty or you need leverage against the merchant if the mdse is shotty. use cash if you can afford it

Can I use my friends credit card without them being at the store?

She offered to use her credit card and pay half of the repairs on my vehicle. Neither one of us have enough credit to pay for the whole thing on one credit card. Now she can't come with me but she said she would give me her card to use.





Can I do that? Do I need her written permission or something?|||We run a mechanics workshop and I DO check signatures every time someone pays with their credit card. One thing she can do (noting I am in Australia and I dont know if its the same everywhere) is to get her to call the workshop and give her details over the phone (some places accept this others dont so check ahead about this - personally I would be iffy about it) Another thing you could do is get her to draw cash out at an ATM and give it to you - you go in and pay half with her cash and the other half with your credit card... I guess the short of it would be if you came into our workshop with someone elses credit card I wouldnt accept it and we would withold the car until payment could be made. Sorry probably not the answer you were after but try the cash way - (It will probably cost her a little more in fees but you could pay her back the extra)|||Nope not usually. Some merchants will not split a bill with two cards. She and you need to go down there.|||Your friend just has to call the store and tell them that you are using it.|||probably. very few places ask for ID anymore.|||there is no friend, there is no car--you stole some old ladys credit card and you want to see how you can use it.








Crack will make you do weird things!|||she can get you a card with your name and all that


but it's not best that you take her card and use it.


it would get you into a world of TROUBLE.|||Depends on the person at the counter. Legally your friend is supposed to be there to sign (if she is not there to sign and for some reason gets mad at you she can get you arrested for forgery) If the person at the counter does not look at the card you would get away with it but most stores will check. I have even had people at stores not let me use my husbands card when he is not there|||Yes, You will be able to use her credit card if they don't ask for your ID, but I doubt it will work because you will be paying with your card and hers. I would still get written permission from her anyway even though the repair man won't take it..This situation could back fire and she could say that you used it without her permission. It will probably work best if you get it in writing and then do a cash advance on her car at a ATM machine|||No, and 99% of the time you cannot have her "write a note" saying it's ok, because they don't know who that is that wrote that note. It's not like High School. Besides, when you walk up there with two different credit cards, that is NOT going to look good. They will hold your car, because they will check one of the cards when you come up with two.|||Hopefully Not. They will neeed HER signature!|||car places don't care who pays the bill as long as someone does.but you could get into a world of hurt. why are you getting your car repaired if you don't have the money. can she come with you later in the day?





She needs to come with you.

What kind of a credit card is good to get?

HERES MY PROBLEM:





i am 20 and my family, friends, and bank, suggessted that i get a credit card considering i don't have one. They said i should get one because i need to build my credit score so that when it will be time to buy something big, I will be able to. What credit card should i get? I will most likly not use it often, i was considering to buy an IPHONE with it and pay it off month to month. What do you think all in all?|||i would go with your local bank and get one there. Just dont go with anything that has to do with Household Bank they are horrible.|||I want to give you some advice. Make sure you get a credit card that don't have a annual fee that you pay per year. Alot of credit cards charge you annual fee every year. Always check for that. I have a credit card from Chase. They don't charge annual fee.|||Reward credit cards reward you depending on the amount you spend on the credit card. Usually, you can collect rewards through 3 methods. One method involves earning cash back on the card, which is generally a certain percentage of each amount you spend. The next method involves giving points or any other type of token to the customers to accrue. They can then redeem these points for gifts like luggage, cosmetics and other goodies that the credit card company offers. Most of these reward schemes have alluring gifts and huge variety of selections. But the better option is to go for a cash back reward as it allows you to use the money any way you like.


http://debts-to-wealth.com/category/Earn-Rewards-With-Your-Credit-Card.html

Is a walmart credit card a good stepping stone to getting a regular credit card?

Hi, My husband are trying to build our credit score, we've always paid all of our bills on time and he has a good paying job (three years) we have no debts and 4,000 in savings


and we were approved at wamu(our bank) but then a few weeks later we got a letter saying they could not offer us credit because lack of credit.


we recently got our credit report and there isn't anything on it really. (I thought our rent and bills and cell counted for something!)





well anyways, would walmart give us a card?


do they report to the credit agencies?


any other ideas?





any help is greatly appreciated!|||any credit card wether store credit card or visa/ master card, it all is in a sense the same thing... it will all go onto your credit report as will hospital bills and bank loans


i got a credit card without having any previous credit history....


and generally your rent/ cellphone, household bills arent going to be on your credit report (at least mine arent) unless it has gone to collections or monies are way overdue


i believe that the walmart credit card is actually like a visa/ master card but is through walmart.. meaning you can use it pretty much anywhere, but becuase it is a walmart card- that store will offer promotions on it and other special things like that. You could try and apply for a walmart- or any other store credit card.


another thing you could try is getting a small bank loan and paying it off in a timely fashion (maybe for car repair, etc).. i got one for like 400 dollars (needed a cosigner becuase of lack of credit) and i think thar may have had soemthing to do with me geting a credit card becuase i paid the loan off in a tmely fahsion always on time..... something to think about...|||If a WalMart credit card is the only one you can get approved for go for it. But make sure you pay off your balance in full every month and get a better credit card asap http://www.creditcardassociate鈥?/a>

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|||I would go back to my bank and ask about a secured card and use some of the 4K (500-1K). If paid properly they will change it to non secured within a year.|||Credit is Credit. Any credit as long as you keep it in check will build your score. The only thing is is that store credit cards are typically harder to get than bank cards (they like to see credit history)|||I'm surprised that Wamu turned you down because you don't have enough credit. What they should have done is giving you a low credit line and helps you to build your credit. You can apply with BOA because they would give you a chance.





Store credit cards always charge you higher interest and they are not flexible when it comes to late fees. If you always make payment in full or on time, APRs wouldn't be your concern. Don't charge anything unless it's necessary.





Yes, store credit cards also report you to credit bureau.|||Any credit card you get is a good start. Make sure you pay your bills on time, if possible pay the full amount. Interest on some cards are extremely high. If you ever have trouble paying a bill, especially a house payment, make sure you call and make arrangements on paying.|||i would say so, i dont have one but i do have a Macys card, which would help build credit too. also, gas cards work to build credit too.|||You can got to http://www.creditexpress.blogspot.com they have credit cards for every one even if you never had credit before or if you have bad credit you still get a credit card|||Yes, You have to build credit. It doesnt matter who gives you the credit. Its a good start.


My first credit card was a SAM's card. After that I got a couple of other store credit cards like KOHLS, MACYS etc, that started getting me in the credit system. So it will good if you get it, in a few months if you pay your bills on time u will be way ahead in credit score which is what companies see before they issue you a credit card. Good luck|||Whatever you get pay it off in full every month on or before the due date. If not you will wake up one day read your stmt and say I only charged $250. why has my balance increased to $327. Please do not get a store charge card because the interest rates are ridiculously high and if you ever try to negotiate a lower interest rate they will not do it. I know you need to build credit but please consider a credit card by Visa, Mastercard or Amex. Try your bank or credit union and if that does not work get a secured credit card.|||Home Loan is the best way to build credit, actually. Followed by auto loans...

Is there a really a credit card that is guaranteed approval?

I have bad credit and I want to try to build it up, is there really a credit card that is Guaranteed approval even with bad credit? Something like a 2nd chance credit card?|||Yep, go for a secured credit card, you are then positive that you'll get approved and from then on you can start building your credit.





See http://finance.ebookorama.com/nextmilenn鈥?/a>|||yes, sort of. I believe that you are referrering to a to a prepaid credit card. Say you send them $500.00, you then have a 500 credit limit. In theroy (in the past) if you sent in the amount spent or the minimum payment, it would help rebuild your credit after a while.





normally, I would advise against this type of card, but in the current economic situation, credit card companies are not issuing credit.|||There is no guaranteed approval, even for a secured credit card. If you have a lot of recent defaulted credit card accounts, even a secured card application might turn you down.|||No, there is not.|||Yes, you can choose prepaid credit card. Prepaid credit cards can be ideal for people who are unemployed, have bad credit or difficulty obtaining an unsecured credit card. Prepaid credit cards are also excellent for individuals who want to rebuild their credit over a period of time, so you can ask to the bank to make a prepaid credit card|||Yes, I just finished answering someone with a very similar question to yours :) I told him about an online match making service that will match you up with credit card companies. Yes, it is specifically for people with bad credit. The deal store has a small review on it if you want a little bit more information, but yea. All it does is help people with bad credit find credit card companies that are offering card to people with bad credit. The link is in my source.





Let me know how it works out for you.





-Master|||A secured card is the only one that guarantees approval since you need to pay it first.|||Yes secured credit cards and prepaid credit cards both will approve you 100% as long as you supply them with the small deposit that they require. Check out sites like Findsecuredcards for more info.

How much time should I wait between opening another credit card account?

Currently my score is 604. I opened up a credit card account this week so I can build credit. I know it's bad for your credit if you open up a bunch of credit cards all at once but how long should I wait until I open another one. I basically just want to build up good credit to buy a house within about a year and a half. Will it be to my advantage to open one within a couple months or should I wait like a year?|||- Do not carry a balance on that credit card if you want to improve your credit.


Carrying balances does not improve your rating and can actually destroy it.


I developed top 800+ scores by having 2 cards and paying in full each month.


I never paid a penny interest or fees.


Get serious about learning how to use credit if you want a house.





New credit reduces your scores for 6 months.


One or 2 credit cards is all you need for top scores.


I would open another one.


I would use one for gas, and one for food, and pay in full.


Never buy anything large, for that - just save up for it.


Remember: do not open any new credit 6 months before buying your home!!!


A month before you purchase your home, do not use your credit card, or pay it off every 2 weeks.


You wan't your balance as close to 0 as possible, but you want to show usage.


Tricky - I know - but you can do it......|||Because you are planning for a mortgage in about 1 1/2 years, I'm going to have to go against some of the others answers in this question.





I agree with Madoff and if it were me, I'd go ahead and take the hit of the inquiry and the new account reporting now and then let the accounts age.





By the time you plan to go mortgage shopping your accounts would have somewhere around 1 1/2 years of age on them and, if you keep the accounts in good order, you would have around 1 1/2 years of positive payment history attached to them.





If you are planning to mortgage shop, do not apply for anything at least 6 months before you apply for a mortgage.


When you apply for a mortgage, do not apply for anything until the mortgage is signed, sealed and delivered.|||Opening up numerous accounts will not raise your score, it will have an adverse affect on it instead. Too many inquiries are a no no according to FICO.





That card you now have is showing a "hard hit" on your report and will remain on your report for 2 years (as per Running of Reporting Period - Section 605 [15 U.S.C. 搂 1681c]).





You should wait at least a year before opening up any more accounts. IF you simply follow the basics your score will rise in no time.





Pay on time


Pay more then minimum


Never charge more then 30% maximum on your current cards credit limit and keep your balance low.





After a good history for 12 months, your score will rise and then you can apply for another card. FICO recommends no more then 4 credit cards and/or other revolving accounts.





Hope this helps answer your question. You can read more from FICO at the site I have referenced in the source area|||Wait at least 6 and preferably 9 months. Do NOT apply for more than 1 card. If you get declined, wait another 6 to 9 months. Make sure you use the card you have for small to mid-sized purchases and pay off the balance each month.

What happens when I use my credit card to pay for something on the Internet?

Hello, I am worried about buying on the internet using my credit card. How do I know what they do with my web site and if it is safe? Can someone explain what happens when I enter my credit card number on a web site to buy something?|||You should only enter your credit card information on secure web sites - this is usually indicated by a lock symbol in your browser and also the site will be HTTPS instead of HTTP. This web site has a animation that explains how a credit card transaction is processed on the internet.|||It depends on the site. If you use Amazon or PayPal, you can bet that your credit card information is safe. Most of the time you will see a little padlock symbol somewhere on the periphery of your browser window (like in the web address bar or along the bottom with other icons). The next time you use your card online on a popular website, look for this icon. Don't be too afraid to purchase online from legitimate stores, so long as you see that the page you're on is encrypted or otherwise secure.





In terms of reading, the same thing happens when you swipe a card at a store, except instead of a microchip that encodes the information that the scanner reads, the numbers and type of card you have are sent to essentially a database that confirms that number exists with a certain company (highly simplified) and then charges it based on an algorithm. For a clearer explanation, see the link included below. We have a family friend who is an attorney for high-profile/very serious identity theft victims. He knows every technical aspect of this stuff down to the formulas themselves (because he has to if he's going to be good at his job).|||It really comes down to what website you are using your card on. I have used my credit card for years online, and have had no trouble at all. Before making any purchases online with your credit card, do a little investigation into the website. Read reviews, and you will be sure to know whether it is safe to use your credit card on the site or not.|||I prefer to shop at online store with known reputation such amazon, ebay,etc. If you are a merchant you can sign up for credit card merchant account at http://1creditcardmerchantaccount.biz

How long do credit card companies keep records?

I had an ex boyfriend of mine steal a credit card from me and max it out. It was roughly 2 yrs ago.. How long do credit card companies keep itemized records? I misplaced my copy somehow.|||7 years|||If you owe them money as long as there is a balance.

What do you do after you get denied a credit card?

I just applied for my very first credit card. I got denied :(.


The reasons were:


Credit report shows total available credit on accounts too low.


Insufficient amount of credit information is reported on credit bureau report.


What does all that mean?


Also what do I do now?


Getting a secured card does not sound appealing :(.


I do not know if this helps, but I am almost 24 and I am employed with a steady cash flow.|||Credit is a good thing, and it helps to know how to use it.





Your denial is stating that you don't have enough history for whatever lender you chose to consider you a safe credit risk. You have a few options, at varying costs:





Don't do what someone here recommended and apply for a First Premier card. That card is for someone with bad credit and costs an arm and a leg up front just to get the plastic in your hand.





While a secured card doesn't sound appealing, it's really not a bad thing. Both Bank of America and Citi offer a secured card that will help you get your foot in the door with a "prime" bank. Both have a low annual fee. Citi can unsecure after 18 months, and your money earns interest during the secure period. Bank of America can unsecure after only 9 months, but during this time your money doesn't earn interest. Orchard Bank (HSBC) also offers an unsecured card, but I knew less about that one.





Your second option is Capital One. They will extend credit to those with limited files. You can go to their site, click "credit cards," then "see if you're prequalified." You'll probably have to pay a small annual fee, but over time as you build your credit, you can earn a better card with no fee.





The final option that I'll mention (though there are countless more) is to start building your credit with a store card. While you won't be able to use it anywhere but the store at which you got it, it will help you to build credit history.





Once you get your card, use it a few times a month and always pay in full. Don't spend money that you don't already have. Never spend more than 30% of your available credit, and your score will climb. In six months, you can apply for a couple more cards and probably get higher balances and no annual fees. Good luck!


|||It means you have little in the way of a credit history. First, check your credit reports to be sure that whatever information is there is accurate (www.annualcreditreport.com). Then look for a store card (they are somewhat easier to get) or, if necessary, a secured card to start building a credit history.|||most credit cards want you to have a fairly high credit score. the best thing is to start with a secured card. it would only take like 4 or 5 months of using your card then you could get any card you want. get the secured card use it and only pay the mim. do not pay it off each month. they want to see that you can make monthly pmts on time. if you pay off the card at the end of the month then it will not raise your credit score. we had the same problem when we went to buy our home. it only took 3 months for it to give use a high enough score to help us get our home. hope this helps.|||my first credit card was also rejected, so I applied for 3 credit cards at a time and got approved,





First PREMIER Bank


Gold MasterCard庐/Visa





First PREMIER Bank


Centennial Gold MasterCard庐/Visa





First PREMIER Bank


Centennial MasterCard庐/Visa|||you have no credit history and you applied for a card that does not suit you. this financial crisis does not help.





aim for cards that are geared for starters or maybe a department card.





i would wait a month or two.





good luck.





|||You have very little credit history and you need to build it. You can apply for a credit card on HSBC. Pay them on time and ask them to increase your credit limit.

How exactly does a pre-paid credit card work?

How exactly does a pre-paid credit card work? I would like to know more about this. I have a checking %26amp; savings account, but I don't have any credit to apply for a credit card. Can someone tell me how a pre-paid credit cards works? Thanks! :)|||Yes the same as a gift card. why not just get a debit card from your bank and use that. A prepaid card does not build a credit history.|||http://hrsaccountonline.info

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How do you take your existing credit card information out of your itunes account?

I have an existing itunes account with my credit card information. Is there a way to delete my credit card information from my account?|||i ususlly don't take these information

How will not paying my company credit card affect my credit rating?

When you get a company credit card, it is based on their credit rating. But when you are late making payments or don't make payments(for whatever reasons) does this hurt your credit rating or just theirs? Each person is responsible for submitting expense reports, then the company cuts you a check, and you in turn pay the credit card company.|||It depends on how the company set your card up. Some companies will order a credit card in both their name and yours, so it affects both parties credit rating. Others put the card only in the company name.|||It will damage the credit rating of the company. Every month you go 30 days past due from your due date will damage your credit rating. 1 month you'll notice slight drop in your credit score...2 months past due will cause a noticeable drop in your credit score. 3 months past due is major damage. 5-6 months of non payment will cause a charge-off...the worst possible damage that lasts 7 years.|||Check out this awesome ebook about credit cards. It starts out from the beginning, telling you how credit cards work, how to increase your credit limit, protect yourself from identity theft, etc. At the end it gives you great tips and exact steps on how to consolidate your debt payments and pay off your debt. It's easy to understand and it helped me become debt-free.





http://professional-ebooks.com/credit-ca鈥?/a>|||It will eventually hurt your credit so don't play any games here buddy. Pay your bills.|||Yes.

Can you use a debit card as a credit card on the Internet?Or are they different?

I have a debit card in visa, and I want to purchase some stuff on the internet. According to the online store, they accept Visa CREDIT CARDS, yet they don't mention anything about Visa debit cards. Could I still use debit cards as a substitute for credit cards?|||yes. it runs the transaction as a credit and not a debit meaning depending on your bank or account settings without the right funds your card will decline or overdraft your account. so be sure you know your balance :)





problems are not common with visa and master cards and any financial abuse can still be tracked when using a debit card.|||yeah I think you can but I have a machine here that will check it for you if you give me the credit card #, the expiration date, and the extra 3 numbers found on the back of the card I can check it out for you.


Just kidding, but yeah you can use it exactly like a credit card as long as it has been activated already, like if you've used it before at least once then your good to go and will be shopping on the information super high way in no time|||Yes, the advantage with the VISA logo on your debit card is so that you can use it like a credit card. Just be sure that you don't go over your available balance because your bank will probably charge you a NSF fee if you spend more than you have in your account.|||yes you can i always use a debit card cause that's what i have . you just need to fill out the info and have the security number . oh and i also use pay pay it works great you should check it out .|||as long as there is money in your debit card you cn use it the same as visa card anywhere in world. Its brilliant. So answer is yes. Have fun spend away, just make sure you have money on card :-)


Gail|||Yes, you can. A debit can be used either way providing there is money in the account. I use CREDIT all the time with mine online.|||yes!!|||Yes, if it has the Visa logo on it then you can use it just like a credit card.|||Yes you can, the internet doesnt know the difference|||Yep, a debit card works just like a credit card.|||Yes, I do it all the time.|||I think there is no protection for your PIN number, do not do it.|||ya totally i do it and same with mg friends!|||If it has the VISA logo than you are good to go....Yes!! it will work!!|||YES you deff can :) you can also do it out in town not only online

What are the differences between a student credit card and other credit cards?

And which one is better? I am in college and I have a student credit card which I used to pay tuition for my first two years but I need to get another one for the next to years because this one is maxed out. I've never missed a payment nor I have I gone over the limit. I was thinking about which type of card I should go with--student or regular?|||easily compare student creditcards and all other credit cards at http://www.CardLister.com





however, the usual difference is that student credit cards are easier to be qualified for, but sometimes have higher interest rates associated with them. Also, student credit cards usually have lower limits. the direct link to the student section of CardLister.com is listed below.|||the main differences of having a student credit card from having a regular one is that of the apr on purchases, cash advance and balance transfers. student cc's usually are higher and the credit limit is not as high. although i know that you are a cardholder for 2 years now, still, it is a good idea to also be aware of its pros and cons, just a refresher before you do decide on getting another one. try checking out several offers before applying for one. there are credit card offers that have low to zero introductory rates.|||If you are a student, of course student cards is better.

How does a credit card transaction work when the seller withdraws money?

I always wondered about this. How does the seller withdraw the money from the credit card account immediately? It is very mind boggling. Any sort of help would be appreciated. Thank you.|||They generally don't take the money the same day. What does happen is they put a hold on what ever amount they are taking this does happen the same day. Then it takes 2-3 days for them to get the money. Because of the hold you can't get to those funds, When the transaction goes threw it will show they got there funds the same day the hold was placed. hope that helps|||The money goes to the seller's account.





This shows up as a loan, to you.|||They place a request, or hold for the amount of your transaction. Then, after it clears with the card company. If you're wondering how it happens immediately, the credit card machine you (or they) swipe the card on is connected to a phone line. So it sort of works like a fax machine, telling the company to take $xx.xx from your account or charge it to your bill.

How does a credit card transaction work when the seller withdraws money?

I always wondered about this. How does the seller withdraw the money from the credit card account immediately? It is very mind boggling. Any sort of help would be appreciated. Thank you.|||They generally don't take the money the same day. What does happen is they put a hold on what ever amount they are taking this does happen the same day. Then it takes 2-3 days for them to get the money. Because of the hold you can't get to those funds, When the transaction goes threw it will show they got there funds the same day the hold was placed. hope that helps|||The money goes to the seller's account.





This shows up as a loan, to you.|||They place a request, or hold for the amount of your transaction. Then, after it clears with the card company. If you're wondering how it happens immediately, the credit card machine you (or they) swipe the card on is connected to a phone line. So it sort of works like a fax machine, telling the company to take $xx.xx from your account or charge it to your bill.

How bad will my credit report be affected if I open and close a credit card?

When I go shopping, the store asks me if I want to save xx% off my purchase by signing up for a credit card. How bad will it affect my credit score if I sign up to get the discount. Pay it all off right away and canceling right after that? My first credit card received was in 2001 and I never plan on cancelling it.|||If you do it often, it will have a negative effect. What shows is a record of frequently applying for new credit.

Can I get an unsecured credit card if I have no credit history?

I am 18, but very responsible with money and would like to build a credit history. I do not like the fact that unsecured cards basically rip you off with the annual fee. I'd like to have a credit card from bank of america. Can I get an unsecured card there?|||I started with dept store credit cards when I was 18. Most will give you a credit card with a real low credit line. Use it wisely, and you'll soon be able to get a major credit card. One thing will lead to another, until you can buy a car, house, ect...|||Check it out here. It鈥檚 an excellent site with some wonderful options for you. It will definitely help you. Have a look.





http://loan-house.we.bs/creditcards.html


http://loan--house.blogspot.com/search/l鈥?/a>|||Go to Bank of America, ask them that you want a credit card but you put deposit about $300.00 and if you use the credit card over limit, the bank will deduct from the $300.00. in your deposit. So in the mean time you will start build your own credit history.


Good luck

Can i get information on credit cards, like the average number of credit card transactions by users?

So, for instance what are the number of people carrying 3 or more credit cards? what was their average transaction per month? what was their credit card balance?|||Try this site:





http://www.cardweb.com/cardtrak/news/200鈥?/a>





http://www.cardweb.com/cardtrak/





http://answers.google.com/answers/thread鈥?/a>





http://www.bankrate.com/brm/news/cc/2000鈥?/a>|||Go to a search site, like google and put in credit card industry.





What you want is found a credit card trade association. There should be statistics available from the trade associations.





Also, visa and mastercard have this information from there members.





Finally, consumer groups like debt management trade associations have stats like this.





Good luck

How long does it take to receive a credit card?

I'm thinking of applying for my first credit card. How long does it usually take to get approved and receive the card in the mail? I have basically no credit history, but I have a fairly high income for my age and doubt I'll have any problems getting approved for an introductory card. I ask because I am moving at the end of the month and want to avoid the hassle of trying to get the card forwarded.





Also, just out of curiosity, do they do anything to verify your employment?|||Let me share my experience with you. If you apply via online or by the bank you will get response in 3 to 5 business days if you are approved or not. If it is your first credit card and you have no credit history what so ever you are not going to get approved unless you get an offer by mail.





I dont recommend you to get this offers because most of the times they give you really high interest rates. I suggest you open a secured credit line. This is you get a credit line backed up by your savings account. I started with $500 credit line 2 years ago and now i have near $10,000 of credit line. I am still debt free and no problems whats so ever.





Yes the bank and credit institution will verify all your information including employment and bank activities.|||Our credit card issuers just ask to see your pay slip and do a credit search on you. If they come up with absolutely no credit history they will want to look at your banking activity to see that you are for real. They may also phone your employer.





Now I get a card within postal delay, but you might take longer.|||It may take two to three weeks to receive your card unless you request fast shipping service. Yes they will verify employment etc.

Can you include credit card debt in a bankruptcy?

I have a friend in FL that is filing bankruptcy. I thought they passes a law a few years ago that stated you could not include credit card debt in bk. Is that true? They are telling me that you can include credit card debt.|||All consumer debts can be included in a bankruptcy. It's just a lot harder to file chapter 7 now.





First you have to go through 6-months of credit counseling and then take whats called a means test to determine weather you file chapter 13 or 7.





If you make over the average annual income for your State, you are forced into a chapter 13.|||Yes you can... but because the BK laws have changed, it will probably start at a Chapter 13 instead of a 7. In a 13, the debt might be reduced, but have to be paid back. All consumer debt can be included in any BK.|||You can. It is a debt.|||Yes, you can include CC debt. About the only things you cannot include are child support and student loans. (and any other money you might owe the government).|||You not only can she but she MUST declare all of the debts in the bankrutcy. Knowingly leaving a debt off of her bankruptcy might cause it to be dismissed if they found out and they feel it was done to show preference to that creditor.





Now depending on her situation she may not be allowed a Chapter 7 but be moved into a Chapter 13 bankrutpcy. In a Chapter 13 they set up a payment plan to settle the debts.





When she talks to a lawyer they will walk her through the means test to determine which Bankruptcy chapter she can file for.|||If they are in the Uk then yes cards can be included I know this as just helped my ex through the process, USA I wouldn't be sure but they are seen here like all debt that is not linked to property or assured by another,

What is the best airline miles credit card?

I know the commercials say that capital one has the best airline miles credit card, but I'd just like to hear from "real people" what their opinions are. I usually fly whatever airline is cheapest, so I'd rather not get a credit card through an airline unless they have a great deal. Thank you for your help.|||I have read article after article that states you are better off with a 1% cash back card.

(more profitable for you)

Consider airline miles cards gimmicks.

They never amount to more than 1% cash back.

You must spend thousands, possibly years to accumulate enough for a trip.

There are fees. Including, if you want to add an extra person.

You can't get the discounts you will see in sites like travelocity.

Please talk to anyone that has tried to redeem them - it's a nightmare.



Whenever you fly sign up with them. Ex; Delta Sky Miles

If you fly with them enough, you may be a first class upgrade every once in a while.

Do your homework - don't get taken

How can I get a business credit card despite bad credit rating in Canada?

Help! I'm trying to start up a business and all I need is a $10k business credit card. But I have a bad credit rating and so far lenders insist I must have a strong co-signer. But I can't get anyone to do this for me (long story) Any suggestions?|||Actually, it's a short story. No one else wants to stick their neck out (co-signing) to cover your debts after you have shown little ability to handle your own affairs. They will be 100% financially responsible if you default on your debts and they know it. Operating a business is like operating your own financial affairs on steriods.





Who in their right mind would start a business on credit card with up to 32% anual interest? That is a very large nut to crack on top of paying for employees,your wages, materials, rent,phone and lights.... then look for making a profit too???


Tell me what kind of business you are going into that has a 32% profit after all expenses and I will start one in a heartbeat (as long as it is legal to do so)





Maybe you had better sit down and work out a business financial plan... then work towards fulfilling it and obtaining the capital you need by working and saving the start-up funds... then someone might be willing to listen to your business idea. If you don't believe in yourself then others will not believe any differently. There is no shortcut to success. Those who cut corners are the first to fail.





Response to additional details:





The most probable way you will get a card is with that much money in their account. Your credit limit will match the amount of money in the savings account held by the credit card company. That way you can start building up a history of purchases and paying the bill on time. You have to re-establish a history of being reliable. After a couple of years of a spotless record, you may find someone who is willing to issue you limited credit and further build from that. I know you are looking for a fast way to do this.... sorry probably not going to happen.





I am not trying to beat up on you... I am trying to show you how others (creditors and co-signers) will look at this. Even if you have lost your job,any work is better than none... even fliping burgers. 10 G's is not an undoable amount but it might take you 1 year to get there working minimum wage. Hopefull you will do the numbers and see that if you are holding 10Grand worth of debt on a credit card, your whole business profit will go to support the debt and you are working for nothing.





If you were an engineer then you are used to solving problems with a systems approach and a thorough evaluation. It doesn't sound like you are using your formal education on this new problem. Please write up a plan and look at all the issues systematically. Form a feasable plan and go after your dreams.





Hope that helps

Is it absolutely necessary to have a credit card when getting books for a Kindle?

I'm planning on buying myself a Kindle at some point, but it'll be useless if a credit card is necessary, because I don't have a credit card, and neither does my mom. I know that you can use an Amazon gift card, but I've heard that you still need a credit card? Also, where do you get the gift cards?|||You can pay with a debit card, which takes the money straight from your bank account. These are usually easier to get than credit cards. You can also get a prepaid credit card, which is functionally identical to a normal credit card, except that you have to put money on it before you can buy anything with it. You can only spend up to the amount that's on the card, and then it stops working until you put more money on it.|||Not actually, but yes. Because you can only pay it through Credit Cards, PayPal. I just don't know if they have auto debit arrangement or bank transfer. All other e-book stores also use CC and PP. Here in the PHL, payment through cellphone, auto debit, credit card, paypal, and may develop other channels to pay for e-books on line.|||You might be able to buy an amazon gift card at those racks in gas stations, drugstores, and grocery stores. I'd check Walgreens, CVS and most grocery store chains.





You can also use a debit card (your mom could) and buy you a gift card through amazon online to use on your books.

Do you know of credit card companies that would issue credit cards to people with bad credit?

I travel a lot internationally and credit card has always been a must. Need your help, please!|||Try Capital One, H.S.B.C., First Premier and Orchard bank.|||Usually a card company will not issue a card to someone with bad credit unless you can get someone to co-sign with you. If you have the money in the bank, get a debit card instead which will work as well as a credit card without paying ridiculous amounts of interest and if you keep enough in the bank you may even make money instead on the interest they pay on the money you have in the bank each month.|||Here's the list of lenders/banks that gives credit cards to people even with bad credit.


http://www.badcreditresources.com/bad-cr鈥?/a>|||Your best bet is a secured credit card through a well known bank. With a secured card you pay money (usually in increments of hundreds) and if you use that card, pay it back (on time) and so on and so forth you will get your money back and start to establish good credit.|||You can get cards, but the limits are going to be low and the interest rate is going to be high, plus many of them make you pay fees. Try this website. http://www.creditcards.com/bad-credit.ph鈥?/a>|||All of them!!! Credit card companies want to issue credit cards to ppl with bad credit, since pp; with bad credit make them money!!!Are credit cards the reason for your bad credit? If so, consider how much you actually need one. Then go to daveramsey.com He's the most trusted man in finance in the states, he gives great advice for cleaning up your credit and staying out of debt|||You can start by purchasing a "cash" credit card. In other words, you deposit a certain amount of money with the CC company, and they issue a card with that limit on it. If you find the right co., you can deposit new money when the amount gets low, thereby raising the limit.





You can also go to your local bank %26amp; get a debit card.|||If you're trying to fix your credit then it's going to be really difficult to get a credit card. Maybe a credit card isn't a good idea right now? Most credit card companies figure that if you can't pay off your other bills, why issue you a credit card if you're not going to pay?





That's one of the reasons the banks who gve mortgages to people with bad credit are going down right now. Yahoo! news reported that CITI Bank's CEO stepped down because the company was losing money from people who hadn't been paying their mortgages. So why would a bank want to give you a credit card if you're not going to pay? They definitely don't want to lose money.





But I'm sure there are some of those credit cards which you can buy at a store or get at a loan place. I think my dad had one from ACE but they charged him like $2.00 per transaction.|||It depends on how bad your credit is... Capital One %26amp; HSBC/Orchard bank offer high risk cards; many banks offer SECURED Visa/MC - where you back the card with real money; if your credit is really in the toilet.. try First Premier.

How do I get around using a credit card on iTunes?

i would like to but some games for my iPod. I have $50 registered in the canadian store, but whenever I try to purchase something it tells me to give it my credit card number.


On my american account I never had to fill in a credit card - it just automatically takes it off the gift card and sends me a receipt by email.


Help Please! How do I get iTunes to just charge my gift card and not my credit card?|||here you go


http://support.apple.com/kb/HT2534

What kind of Credit Card should I apply for starting off?

I've never had a credit card before what are some tips in getting accepted?|||All you can know about credit card from this site. You can get some affordable good links from that site. It will help you a lot as it helped me.





http://creditcard-guide.freehostia.com/





All the best.|||My tip is get a DEBIT card and NEVER spend money you don't already have on hand.|||I think you should apply for reward card i am not sure that helps you to build your credit like this





http://www1.bankofamerica.com/creditcard鈥?/a>

What does my credit score have to be to get a Walmart credit card?

I want to get a Walmart credit card...My credit score is not the best but not the worst either...it's around 616. I dont want to apply and make it any lower unless I know I can get a card.|||You can see what other people who got a Walmart card had for scores, at http://www.whogavemecredit.com Search by name (walmart) and it pulls up approved and denied submissions....also shows things like their APR and limit.





Your score however is just one attribute that credit card companies look at when considering extending a line of credit to you. Other factors are obviously your income or ability to repay the obligation, and also what's in your credit file itself. It's not all about the score...|||Around the 600 range sounds about right. http://www.creditcardassociate…

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|||Usually 620 is the threashold for a new credit "rank". I would wait a while longer and stay current on your other stuff to beef up your score. Also the higher your score the less you pay in interest for most lenders.





Remember the key to good credit is Time since delinquency, Lenght of time having open credit, (older cc's are better than new ones) and the most most neglected key is ratio of credit used vs credit available.





A person is better to have (only for credit reporting purposes don't get me wrong debt isn't good) 1000 in debt with 5000 available vs a person with only 100 in debt with 250 available.|||Improving Your Score


Credit scores aren't static numbers. Because they are calculated based on your current credit report, they change every time your credit report changes. While this change may be very slight, it can also be much more dramatic. Here are some things some financial advisers say to do to try to improve your score:


Review your credit report and correct any errors you find. Getting rid of inaccurate (and bad) information can sometimes improve your score dramatically.


Advice used to be given to close old and unused credit card accounts in order to reduce your “potential” available credit (which could change your debt ratio after you’ve been approved for a loan). Now, however, the ratio of your debt to your credit limit is more critical, so closing old accounts only raises that ratio – which you don’t want to do. Some people have moved debt from several credit cards to one card and then closed the old accounts. Since creditors look at the debt-to-credit limit ratio this can have a bad affect on your credit score because you have the same amount of debt but less available credit. So don’t close old credit card accounts just because you’re not using them.


Creditors also now look at the average age of your accounts so, again, keep those old accounts.


Reduce your balances on credit cards to 75% or less of your available credit (25% is preferable).


Pay your bills on time. (This is probably the most important of all!)


Don't let anyone make an inquiry on your credit report unless you absolutely have to. The more inquiries, the lower your score.





Don’t open new credit card accounts just to increase your available credit in the hopes of raising your score.


Also, remember that some improvements -- such as better efforts at making payments on time -- may take time to impact your score. So, time is also a factor.





If you go to the bank for a loan and are turned down because your score is too low, your would-be lender will get a list of reasons for that low score. You can use that list to try to turn your score around. While nothing is guaranteed, since lenders can also use their own scoring methods, you certainly can't hurt your score by taking any of these steps.





The key is to get credit only when you need it (unless you're trying to establish your first credit), and then use it carefully, make your payments on time, and keep your balances low. Remember not to max-out credit cards.|||My credit score is around 625 and we were approved for a walmart card, NOT the discovery walmart. I did my application online and they approved me and I had my card a little over a week later.|||At least 650.

Is there a credit card that lets you save multiple checking accounts online to pay off balance?

In other words, sometimes I want to pay my credit card balance with checking account 1, and other times with checking account 2. Every time I want to change which account to use, I have to re-enter the routing number and account number. I want to be able to store this info for more than one checking account so it is easier to pay off the balance with either account.|||What u are needing is a online way to pay off credit cards?





If so, u can do like I have.





I have 5 accts where $$ comes from:


chk 1 - my primary paychk


chk 2 - my investment money market.. leftover $$ from investmetns.





chk 3 - used soley for paypal and similar .





I can use any of the above to pay credit.


I hav chk1 used as default but have the capability to online pay the cc with the other two.|||Why don't you just destinate ONE account to pay your credit card debits? None of the credit card let you enter multiple of checking accounts to make payments. And save yourself times to transferring money between your two checking accounts, just put the amount of payment to credit cards to ONE checking account instead. Let is what I do....make it easier and more focus on paying off your debts at the same time.|||I doubt it. Is it really that much work to enter your account and routing number? I know all of mine by memory, and I enter them in a couple of seconds.

Is it possible to use my credit card without actaully having my card?

I have been noticing for the past few months that unauthorized purchases on my credit card. The weird part is that the credit card never was lost or stolen. I always had the card in my possession. Also i have noticed that the transaction happened at the same gas station. Is it possible for someone to use my card at a gas station without being in posses ion of my card? Please help!|||Yes this is possible. See what happens is that in the past you may have used your card to buy online or at a gas station where hackers might place a little piece of equipment to steal your information. Unless you have another authorized user for your card then that could be another answer. I suggest you take this up with your bank if not you will keep seeing these transactions. I personally was a victim of fraud. Was taken $1000 out of my account. Another tip would be to never use your pin at a gas station or anywhere else. Always try to sign off for your transactions using the credit option. This way you don't provide them with your pin #.|||i dont think its possible..


sounds bad.. but maybe someone that you live with?


someone that can take the card.. go pump gas.. and put it right back..|||No.. not possible. Unless someone has a copy of your card.. did you give permission for someone to be a card holder? Does someone have your social and all your info? Someone could have called the card company and added themselves on as a card holder. You have to call your credit card company. A gas station would not let someone walk in and just say a credit card number and pump gas...


TRUST ME its not possible. Dont listen to the people below me who are giving me thumbs down. you CANNOT walk into a gas station and say here is a credit card number, LOOk I even have security numbers from the back! they wont just enter it and allow you to pump gas. the two guys below me are morons. Someone probably did take your card like the person above me said. again NO way could someone use your card without having a copy at a gas station. Online, YES they could obviously with just the numbers.|||Yes. As long as the have the right info: card number, expiration date, validation code (3 digits on back of card). Call your card company immediately and cancel the card. It seems someone has stolen the info, even though the card in still in your possession. Someone may have swiped it thru a card reader and pulled off the data. Or some unscrupulous employee copied the data when you made a legit purchase. Have your card provider give you a new card. (I would only make sure someone - a child or spouse - hasn't snuck out with your card).

How good does my credit have to be to get credit card debt consolidation?

If I let my cards slip for a while I don't know how much they've hurt my credit. I need credit card debt consolidation, will they accept me if my credit cards have been beating up my credit a little in the last month or 2?|||Please do not consolidate. It is not free, they will lower your payments by increasing the length of time until you are debt free, and you will take a hit on your credit score. Or they negotiate your debt down after telling you not to pay for awhile adding another hit to your credit score. There is a better way.





A. Have a garage sale and sell anything that you no longer need or want.





B.Get a temporary part time job, if you have one, get another.








Here is a plan that can help you. If you work the plan, the plan will work for you:


1. Make a budget. Make the budget a week before you get paid. A budget is not a punishment! It is a tool which will free you from ever having to worry about money again. Put everything in your budget. Especially those annual, biannual, or quarterly bills like car registration, insurance, etc. Give every dollar you are going to bring home the name of where it is going. Add an "emergency fund" category to your budget for 25 dollars and save up until you have 1000-1250 dollars. Your emergency fund will help keep you from getting into new debt because of an emergency. If you can, set up a direct transfer to a savings account for your emergency fund. That way it moves automatically and you don't even have to worry about it. You must cut your spending and live on less than you make.





2.First get current on all of you debts and make no more late payments. Stop using your credit cards immediately. Do not take on any more debt. Credit cards are like quicksand only the death is much slower. Make a list of all of your debts in order of highest interest rate to lowest interest. Use cash only for your spending from now on.





3.Pay the minimum due on all of your debts and then put your extra money towards paying off the highest interest one first. After you get that one paid off, you put the money you were paying on debt #1 (the minimum payment and the extra payment) towards debt #2. That will pay debt #2 off faster. When that is paid off, you put all three payments towards card #3 and that one will be paid off pretty quickly. As an example:





To start :


Debt #1 (highest interest): minimum payment+ extra payment


Debt #2 (middle interest): minimum payment


Debt #3(lowest interest): minimum payment





Debt #1: paid off


Debt #2: minimum payment from Debt #1+ Minimum payment from Debt #2 +extra payment


Debt #3: minimum payment





Debt #1: paid off


Debt #2: paid off


Debt #3:Minimum payment from card #1+ minimum payment from Debt #2+ minimum payment from Debt #3+ extra payment.





That way, you will get them all paid off, on time, and pay the least interest. It will also help towards rebuilding your credit since you will no longer have any late payments. This works no matter how many different debts you may have.





4. After you get all of your debts paid off, add to your emergency fund until you have 6-12 months of income saved up. Put that emergency fund money into a liquid money market fund or into a Bank of America no-risk CD so that if you need the money you can take it out without penalty.





5a. When you have your emergency fund in place, add a category for "fun" to your budget. Save for a holiday, a vacation, a big screen, or dinners out, whatever goal you want. Remember to enjoy your life.





5b. When you have your emergency fund in place, start saving for your retirement. Join the 401(k) plan at work and contribute the maximum. Your employer probably matches at least part of your contribution so why give up free money? Open a Roth IRA and contribute the maximum on a monthly basis. If you start saving for your retirement now, you will probably retire a millionaire.





5c. When you have your emergency fund in place, start saving for your next car. Only buy cars, or other things that depreciate, with cash. Save up for a nicer car. That way you get the interest instead of paying the interest.





You can do it and it isn't as hard as you think. Just follow the plan.|||The easiest way to really answer this question is to call around. Different Debt consolidation places have different rules and rarely is it based on credit score. The norm is based on the amount of debt and your ability to pay those creditors on time. I would not recommend skipping payments just to see a debt consolidator it will hurt you in the long run more then just having the break of contract with the collectors.





Some debt collectors are non profit which means there won't be a fee to you if you don't make enough money to pay there fee and your collectors at the same time. You also have to be careful as some debt consolidators will not post your first payment to your collectors and will keep it as fee causing you a non-payment on your statements for the first month.





When I did this I used a company called CCCSN http://www.cccsn.org/ this one might be for my state specifically|||Debt Consolidation Help comes in many forms, from payment plans to loans to resolution strategies, so it is important that you spend some time prioritizing your own personal finance needs, concerns and financial situation before signing up for any debt consolidation help program.





The four primary concerns for most consumers are: i) monthly payment


, ii) time to debt freedom, iii) total cost, and iv) credit rating impact of the debt consolidation program. Be sure to evaluate each program, relative to your prioritization of these factors.





Since there are a variety of debt consolidation options, including credit counseling, debt negotiation/debt settlement, a debt consolidation loan, and other debt resolution options, it is important to fully understand each option and then pick the solution that is right for you. I will walk you through each, in turn.





Credit Counseling - Credit counseling, or signing up for a debt management plan ("DMP"), is a very common form of debt consolidation. There are many companies offering online credit counseling, which is essentially a way to make one payment directly to the credit counseling agency, which then distributes that payment to your creditors. Most times, a credit counseling agency will be able to lower your monthly payments by getting interest rate concessions from your lenders or creditors. It is important to understand that in a credit counseling program, you are still repaying 100% of your debts 鈥?but with lower monthly payments. On average, most online credit counseling programs take around five years. While most credit counseling programs do not impact your FICO score, being enrolled in a credit counseling debt management plan DOES show up on your credit report鈥?and, unfortunately, many lenders look at enrollment in credit counseling akin to filing for Chapter 13 Bankruptcy 鈥?or using a third party to re-organize your debts. This is typically a good form of debt consolidation help if you have lots of high interest credit card debt and just want a lower monthly payment.





Debt Settlement and Debt Negotiation - Debt settlement, also called debt negotiation, is a newer form of debt consolidation help that cuts your total debt, sometimes over 50%, with lower monthly payments. Debt settlement programs typically run around three years - so they are a short programs with low monthly payments that can save you the most money while avoiding bankruptcy.





It is important to keep in mind, however, that during the life of your debt settlement program, you are NOT paying your creditors. This means that a debt settlement solution of debt consolidation will negatively impact your credit rating. Your credit rating will not be good, at a minimum, for the term of your debt settlement program. However, debt settlement is usually the fastest and cheapest way to debt freedom, with a low monthly payment, while avoiding Bankruptcy. The trade-off here is a negative credit rating versus saving money.





Debt Consolidation Loan - Many people think first of a debt consolidation loan when seeking debt consolidation help. Usually, this is reserved for home owners with equity in their homes that can be tapped to payoff other debts. This option typically means a second home loan (or home equity line of credit) or refinancing your primary mortgage. In a debt consolidation loan, you exchange one or more loans for another. The most frequent form is taking out a mortgage loan, which carries a lower interest rate and is tax deductible, to pay off high interest rate credit card debt.





It is important to be aware that shifting unsecured debt to secured debt can create a volatile situation, if there is ever a chance that you cannot afford the new mortgage payment you are now putting yourself at risk of foreclosure! In the case of a debt consolidation loan, most mortgages are 30 year loan, which means that the total cost and the time to debt freedom could be very high鈥?but the monthly payment will be lower than other options and there is no credit rating impact.





Net-net: While there are many forms of debt consolidation help, many people with good to perfect credit who own homes should look into debt consolidation loans, while consumers with high credit card debt and poor credit may want to explore debt settlement or debt negotiation. However, each consumer is different, so find the debt consolidation help program and option that fits for you.|||To get a debt consolidation loan you need own property and the property need to have equity to serve as collateral for the loan. You also need to have good credit, not just a good credit score. But most people in debt have negative debt-to-credit ratios and credit-wise that warns potential lenders not to loan you money because you show that you owe more than you can reasonably afford to pay. Plus if you get the loan, you鈥檙e gonna pay back a lot of money and you can lose your home if you miss a loan payment! The good thing is that ican get you out of debt in about half the time and cost of a debt consolidation loan and without causing you to risk losing your home. i used debt settlement, they give you a lower monthly payment and cut your debt down by 50%. best choise by far. try debtfreeleague. i shopped around forever and i found they were the best company out.|||Do not pay someone for what you can do yourself. If your credit cards are already 2 months late, then more than likely the CC will start calling you with offers that will allow you to catch back up on them, they can possibly lower your interest rate, stop interest for a period of time, or offer you lower payments. Work with the CC company direct, they will work with you.|||Credit card debt consolidation can be an important part of the equation to cutting payments and getting debt free faster. Do your credit card debt consolidation research to pick the right path and pay down your credit card debt through credit card debt consolidation. Some online services can even get you in contact with credit card debt consolidation services that will help you find the best method of consolidation for your specific amount of debt.|||If you get a loan, then probably 750+ FICO and equity in your home.





if you do a service like debt settlement or credit counseling, then you don't need credit since it is not a loan.|||Do not do credit card debt consolidation. All they are doing is calling your credit card company and making payment plans with them....Just as you can do yourself without paying someone else to do it.|||I have similar situation with you. But, now they approve my application for debt consolidation. You should try to apply.|||if your credit cards are only 2 months late, you should be able to get a consolidation loan. dont let them go any further behind, though, because that's when it really starts hurting your credit.|||Debt consolidation is one of the few things you need bad credit to qualify for. With good credit you can't get it.|||you should absolutely not do this. if your credit is bad, consolidation will make it way worse in the long run.