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Can my bank account be garnished if it is a joint account with my fiance? March 31, 2010

Posted by Banking in : Credit , 6comments
I recently had a judgement from an old credit card bill, and I just heard of garnishing a bank account, so I was wondering since it is a joint account can they garnish it?

By: legolas32xx

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What credit card is best for a first credit card, and you have limited history? March 27, 2010

Posted by Banking in : Credit , 1 comment so far

Tay asked:


I just turned eighteen at the end of February, so I have limited credit history.
I was wondering what credit card is used for building credit, and would be the best choice for a person getting they’re first credit card.

What is the best bank or credit union in the Seattle Area? March 26, 2010

Posted by Banking in : Credit , 1 comment so far
I am currently with Chase (who says that the banking industry standard is to put a 2 – 5 business day hold on deposits) Even when the balance in the account is greater than the deposit amount! I am looking for a bank or credit union who actually wants my business

By: simpsjd

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What is the purpose of student credit cards? March 26, 2010

Posted by Banking in : Credit , 6comments
starfishblues asked:


I mean, I understand the concept of building credit and everything, but what is the point of student credit cards? What is the purpose? I’m sorry if this is a silly question, but I don’t really get it.

And can you trade them in after you’re no longer a student for a “real” credit card? Do people just keep them forever? I always thought closing accounts lowered your credit score?

Where should I go to get a new Credit Card? March 22, 2010

Posted by Banking in : Credit , 3comments
I have a chapter 7 about 5 years ago, good payment hitsory since then, recently bought a car, never been late on anything since the chapter 7, i have two credit cards now that are more than a year old each and have never been late, i’m a full time employee and a college student. I want to open one more C. caard account so I have a total of three, but don’t want to go to a “high risk” creditor; my two cards right now are with Capital One.

By: chessit_mwt

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What is my credit score going to be if I pay off the highest balance CC to avoid interest rate jump? March 20, 2010

Posted by Banking in : Credit , 5comments
valentinzday asked:


I have recently been notified that my interest rate is going up because of an overdraft, but I’m considering paying off this card and closing it: it is one of my oldest cards. How would it affect my credit score? Any other suggestions for what to do? Thanks!

How and why is my credit card affected when I open and close a credit card? March 18, 2010

Posted by Banking in : Credit , 3comments
I see a great deal at a store to open up a credit card and get a prize or a rebate. If I want the big discount I open the credit card and then get the discount but I don’t want or need the credit card at all.

Is it better to close down this new card or keep it open with a zero balance? How does opening and closing account affect my credit score?

By: Double Negative

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What is the best credit card to get for a college student? March 12, 2010

Posted by Banking in : Credit , 4comments

Rose asked:


I would like to know which credit card is best since I am a college student. Some people tell me it’s “Capital One” other say that’s the worst since they get unknown charges, others say that the credit card from your bank is better. So which credit card has been best for you guys??? This is my first time getting a credit card (in which I hate them’ cause u get addicted to it) so I have no idea of which 1 to get.

How long does a closed bank account take to report to ChexSystems? March 9, 2010

Posted by Banking in : Credit , 3comments
kab1234 asked:


Due to a job loss I got in a desperate situation and took advantage of my bank’s courtesy overdraft protection..it overdrew the account big-time and I was not able to pay all of it back in time. The bank closed and charged off my account. This bank uses ChexSystems, so how long does it take the bank to report the account?

What is a good credit score and how to improve it? March 9, 2010

Posted by Banking in : Credit , 6comments

cornerblitz13 asked:


Sorry, multiple part question: What is the highest credit score possible and what is the lowest possible? What can you do to improve it? And the myth that using your ATM Debit card as credit can actually improve your credit score, is it true?

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