Posts Tagged ‘card’
How do I find a free gift card without having to pay for sponsored offers?
Question by Ann: How do I find a free gift card without having to pay for sponsored offers?
I always get these offers, but you end up having to buy some sort of offer. Is there such thing as a free gift card, no strings attatched?
Best answer:
Answer by Pancakes(:
Sure, but it’s probably illegal.
Know better? Leave your own answer in the comments!
Where can I get my first credit card with no credit history?
Question by miss_couture: Where can I get my first credit card with no credit history?
I am a 19 year old college student with a good job. I am trying to apply for a credit card but everyone is denying my application because I have no credit history, even cards that are supposed to be for students. Is there any way to get a credit card if I have no credit history without having to get my parents to co-sign? Thanks!
Best answer:
Answer by My Take on It
It won’t happen
New laws were enacted in February that if you are under 21, you have to make a certain amount of money or have your parents cosign.
Get a secured card from your bank.
What do you think? Answer below!
Q&A: How to get a credit card with no credit?
Question by justaquestion: How to get a credit card with no credit?
I am trying to get a credit card but I have absolutely nothing on my credit. Every time I apply for a credit card it always say that I have insufficient credit history. I have tried Capitol one as well. How do I get a credit card?
Best answer:
Answer by Sharon T
If you have a good relationship with your bank, you go there in person and ask them to help you get a card. You want one with a low limit (0 is fine) and no annual fee. Speak with a manager if necessary.
Know better? Leave your own answer in the comments!
Is this credit card a good deal – Your advice needed?
Question by Amanda: Is this credit card a good deal – Your advice needed?
My grandmother got a credit card in the mail from Capitol One. On the phone they said the annual interest is 18%. No interest until April and 22% interest on cash (I’m assuming cash with drawl from an ATM)
She wants to use the card to pay off 2 loans with very high interest. One of the loans has an interest rate of 170 dollar for only 300 dollars borrowed. The other loan is pretty much the same. Its one of those check n go installment loans and the other is a payday loan. She just wants to save on interest. She could pay them off in cash, but is interested in building her credit and paying a lower interest rate.
Do you think this is a good idea?
Best answer:
Answer by bdancer222
The credit card interest rate is pretty high but it would be a whole lot less than those payday loans which tend to be in the 6000+% range.
Paying off the loans would probably be considered a cash advance and would be at the higher interest rate. Plus there’s probably a 3% fee for the cash advance. Still would be cheaper than the payday loans.
Once your grandmother gets this credit card and pays off those payday loans, she should concentrate on getting the credit card paid off as quickly as possible. Make more than the minimum payment. The faster she pays off the credit card balance, the less interest she will have to pay.
Know better? Leave your own answer in the comments!
What are the benefits of getting a prepaid debit card?
Question by honeypepper: What are the benefits of getting a prepaid debit card?
I don’t have good credit so I wanted to get a prepaid debit card. Which one is the best and where can I get it?
Best answer:
Answer by cymakk
Prepaid debit cards and pre-paid credit cards can help you control your spending. A reloadable debit card allows you to only spend up to the amount you have pre-deposited into the account. If you tend to overspend or like to control your spending, then a pre-paid debit card could be a good choice for you. Also, if you have bad credit and can’t get an unsecured credit card, a prepaid debit card is also a good choice. To apply or learn more, you may go here: http://www.creditcarda-z.com/prepaid.asp
Give your answer to this question below!
Q&A: Is there a credit card for people with bad credit trying to establish a better credit score?
Question by Jonathan J: Is there a credit card for people with bad credit trying to establish a better credit score?
I need help trying to find a good card!
PLEASE HELP!
Best answer:
Answer by Tim and Eric
Good luck!
I’m definitely starring this one!
Give your answer to this question below!
What credit card could I get approved for it I have bad credit?
Question by emilyl51501: What credit card could I get approved for it I have bad credit?
I have really bad credit from mishaps that have happened years ago, what if any credit card would I be able to get accepted for?
Best answer:
Answer by randbj
anyones with secure credit card. city bank.
What do you think? Answer below!
Whats a good credit card to apply for with poor credit?
Question by Debi C: Whats a good credit card to apply for with poor credit?
I guess I worded this wrong…I am looking for a department store, same day credit (i.e. Sears, Target, Wal-Mart, etc..) Who is the easiest to get?
Best answer:
Answer by Lion J
Most companies are wise to deny credit to poor credit risks.
Pay off your debt, and you will have the first key to financial freedom.
Buy life insurance, and you’ll have the second key.
Buy a house, and you’ll have the third.
Then, buy rental property, and have someone else make the payments for you.
You need to be making money while you sleep, and stay the hell out of credit card debt.
What do you think? Answer below!
Q&A: Can i re-build credit after a Chapter 7 Bankruptcy with an Auto lease instead of a Credit Card?
Question by Chris B: Can i re-build credit after a Chapter 7 Bankruptcy with an Auto lease instead of a Credit Card?
I recently declared Chapter 7 Bankruptcy. I re-affirmed my Auto Lease. Will this help to re-build my credit score? I’ve heard the “get a credit card and use some and pay-off or keep 10%” idea. But can the lease have the same effect without having to open another credit card agian? I am looking for the easiest way to build credit without a credit card. But if i have to, i guess i will.
Best answer:
Answer by SPIFIMAN1
I went through the same thing back in 2001 and what you need to do is call your lender and make sure that they continue to report to the bureaus and then yes it will help reestablish your credit.
Using a credit card for every day things, never exceeding 30% of your limit and paying it off in full before the due date will also greatly improve your score.
What do you think? Answer below!
is orchard bank secured card the only secured card for people with bad credit or new in country?
Question by khanda1: is orchard bank secured card the only secured card for people with bad credit or new in country?
I am new in US and no credit card company agrees to give me a card, what can I do?
But do all the others report to major credit bureaus? this is the thing I need , to build a good credit for the future ,if the other banks dont report it’s no use for me.
Best answer:
Answer by joecephus
No, several of them will,Capital one–is a good one-better than Orchard
Give your answer to this question below!
Can adding my name onto someone elses credit card affect theire credit score negatively?
Question by missjuly15: Can adding my name onto someone elses credit card affect theire credit score negatively?
If I have bad/poor credit history and someone with good/better credit history adds me onto a credit card that they have will my negative credit history affect them as well?
thank you for your help!
Best answer:
Answer by Andy
No – but this practice known as piggybacking won’t work soon cause all the rating agencies if they haven’t already are in the process of negating the effects of piggybacking.
Add your own answer in the comments!
is there a credit card that someone can apply for if they have poor credit from the past but now have a ?
Question by smurfette: is there a credit card that someone can apply for if they have poor credit from the past but now have a ?
100,000+ income?? i have a friend who got a large promotion with his company and has poor credit – is there anyway around the whole secured thing??
Best answer:
Answer by jenn p
capital one, you just put down a deposit
Know better? Leave your own answer in the comments!
can someone tell which credit card are good for people with bad credit.?
Question by Harvinder G: can someone tell which credit card are good for people with bad credit.?
apart from capital one , vanquis , barclays intial, aqua and monument is there any other credit card for people with bad credit.
Best answer:
Answer by Rick B
NO credit card is good for people with bad credit. If someone is not able to handle credit, then why would they want a credit card??
Pay cash for the items that you can afford, and delay purchasing things that you can’t. Use a debit card if you don’t want to use cash. Credit is not the answer.
What do you think? Answer below!
