What is the ideal credit card for a college student to get? April 18, 2010
Posted by Banking in : Credit , 7comments
I am looking to get a credit card basically for emergency purposes (mostly for those unexpected car repairs) and christmas time when I don’t have the money for gifts (I have a large family). What would be the ideal credit card for me to get? I have2 store credit cards, which are always paid off before I even recieve the bill, and an excellent credit score due to those cards, and student loans. I am looking for a card that doesnt have an annual fee, any suggestions?
How does getting a secure credit card hurts your credit? April 16, 2010
Posted by Banking in : Credit , 5comments
I have great credit 755 and want to get a secure credit card, would it hurt my credit?
What credit card company offers the best deals on Business Credit Card? April 12, 2010
Posted by Banking in : Credit , 2comments
I have good credit and im in the market for a business credit card. What company offers the best rates, offers, cash back programs ect? Please give me some ideas on programs i should look into from the major cards like, AE, Discover, MC, and Visa.Submited by:Evilish13
>? April 12, 2010
Posted by Banking in : Credit , 3comments
do we have to pay the credit card company if we are not using it even for a penny?Submited by:muchioooooooo
Should I get a credit card? How do you choose the best credit card? April 11, 2010
Posted by Banking in : Credit , 7commentsAcrow asked:
I just finished college, and work full time. I have a debit card, and building good credit from paying off loans. A lot of people have been telling me to get a credit card, but I wonder if it really is necessary. Please give me some good reasons to get a credit card other than building good credit. The only other advantage I know about is those point-system/rewards credit cards, that earn you miles or other things. And what is the best credit card to get for a first time credit card holder? The number of choices are a little overwhelming. How did you choose your first/main credit card?
does anyone have a credit one bank credit card they didnt pay? April 11, 2010
Posted by Banking in : Credit , 3commentshope asked:
I have a credit one bank credit card i havent paid. It finally went to collections. Its $868.00. I have tried to pay some on it, But they will not work with me. what will they do if I dont pay it?
to calman21, how much did you owe them?
will an insurance company run credit report when applying for a job? April 9, 2010
Posted by Banking in : Credit , 2commentsdoodlebug1703 asked:
I have horrible credit and i have been turned down for a job working at a bank due to that but I have an interview with an insurance company friday and i was just wandering if they perform credit checks also?
How does the interest on my credit cards get lowered? April 3, 2010
Posted by Banking in : Credit , add a comment
I was just wondering how interest rates get lowered on credit cards? Why do some people have lower interest rates, and some have higher? I understand the whole difference between credit scores and that some people have better credit than others. But I know that every single person with a low interest rate on credit cards didn’t “call and dispute with the card company until they lower the interest rate”. So, how do they get it? Is it something the credit card companies monitor regularly and lower according to your credit improvement and such over the time? I’m 24 years old, my credit score is 750+. My cards have been allowed higher credit increases in very short times that I’ve had them, due to zealously paying them above and beyond the expect (and sometimes multiple times a month). None of the cards are charged up 1/3 of their limit..less than that. What things can I do to get lower interest rates? One has 22.24%. Not sure about the other two.
Absolutely nothing bad on my credit…
Actually…while it is a good practice to stay on top of what you charge on credit cards (and to immediately pay off what you owe to avoid interest)…it’s good to carry a balance from time to time. Credit cards are for that; for credit. Meaning you DON’T have the money at the time – Thus, that’s the whole point of credit. You can buy what you need now, and pay it a little later when you have the money. Though of course, you don’t charge up what you know you won’t be able to pay back, either. But good credit isn’t built without carrying a balance at some point. If you cancel out your charge each month by completely paying it off, where’s the ongoing charge for ‘credit’? It shows them you are just playing a game, trying to make your credit better, but not being able to apparently handle needing a higher credit limit (which can and does indeed affect your credit score, that I do know). So…if they see that you “pay it off instantly”, what’s the point of them upping your credit line??
Can credit card companies close your accounts without warning? How does it affect your credit score? April 2, 2010
Posted by Banking in : Credit , 6comments
Also, I know that closing credit card accounts lowers your credit score. Does anyone know how much mine will be affected?
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What credit card company processes transactions quickly into the system? March 31, 2010
Posted by Banking in : Credit , 3commentsRAV94 asked:
When I make a purchase with my debit card and go home to check my bank account , the purchase is already in the system. But when I use my credit card it takes at least a couple days. If there are any credit card companies that process as fast as using a debit card, please let me know, Thanks