I wanted to buy some songs right now. But I'm running out on iTunes credits. I'll have to go out to the store and get a card. I was just wondering if you could just pay for a digital iTunes card and receive the credit instantly, so I wouldn't have go anywhere else. Is that possible?|||Yes it is possible.
The Apple Online Store U.S. accepts credit, debit, or check cards associated with a billing address within the 50 United States and along with other U.S. territories.
Any gift card issued by a credit card company can be used as a method of payment on the Apple Online Store. During checkout, if you are paying with a gift card issued by a credit card company, you can combine it with one credit card.
Note: Apple must receive your payment within 10 calendar days after your order is placed or your order will be cancelled. Please allow one business day for order processing after Apple receives your payment.
Thursday, December 15, 2011
How can I pay off my credit card without getting a second job?
I owe almost alot of money on a credit card and the interest rates are killing me. How could I pay it off more effectively?|||you can pay double the minimum payments. you can transfer the balance to a lower interest rate card and pay double the minimum payments.|||Pay more than the minium payment or ff you owe more than $4000 (in most cases) and have more than one card that you owe on seek free credit counseling. They can effectively lower your interst rates and get your payments lowered. In some cases they can consolidate your debts.|||me too credit card is killing me now..|||HOLY CRAP! I feel for ya. Do yourself a favor and get a hold of a Primerica representative. THIS IS THEIR SPECIALITY.
How to check available balance of credit card on the internet?
Is there any way available balance of a credit card can be checked or predicted on the internet without necessarily accessing the issuing banks online banking facility - A mysterous friend of mine just told me it's pretty possible. Can anyone help?|||Yes simple.....but it does take a little effort and time.
1st..you need to go to the official site ..like www.sears.com
2nd..you go to accounts
3rd..It will ask you for personal information ...enter it all
and there you have it ... after thats done it will show you all of your transactions and account info as well as you balances and bill info....|||i should think you would need an on line account and some kind of password to access it|||Only if you have set up an internet account with the bank. Otherwise, we'd all be doing it and there would be chaos.|||Sure, post your numbers, I'll tell ya!!!
1st..you need to go to the official site ..like www.sears.com
2nd..you go to accounts
3rd..It will ask you for personal information ...enter it all
and there you have it ... after thats done it will show you all of your transactions and account info as well as you balances and bill info....|||i should think you would need an on line account and some kind of password to access it|||Only if you have set up an internet account with the bank. Otherwise, we'd all be doing it and there would be chaos.|||Sure, post your numbers, I'll tell ya!!!
Do credit card companies give mail advertising credit cards to people with bad credit?
I just got mail from Discover and they offered me a credit card service. Would they do that to someone with bad credit?|||Yes, the do. In fact, there are credit card companies and credit card issues that speciallize in providing credit cards to people with bad and poor credit scores. So even if you have a bad credit report score, expect to still receive credit cards offers.
The main differenece you will notice between the offers is the Interest rates. Even with people with bad credits they will offer enticing introductory rates but you will see that the standard rate after the introduction rate will be over 20% as compare to below 10% for those with good or excellent credit scores.
learn more here about credit card offers for people with poor or bad credit cards http://www.creditcardshelplines.com/poor鈥?/a>
The main differenece you will notice between the offers is the Interest rates. Even with people with bad credits they will offer enticing introductory rates but you will see that the standard rate after the introduction rate will be over 20% as compare to below 10% for those with good or excellent credit scores.
learn more here about credit card offers for people with poor or bad credit cards http://www.creditcardshelplines.com/poor鈥?/a>
How do you establish credit without a credit card, student loan or car loan?
Assume I'm 20 and have never had a student or car loan OR a credit card. What do I need to do to establish credit?|||if you have a cell phone in your name... that helps to establish credit. just always pay your bill on time|||Go to your local bank or credit union open an account with $300 - $500 tell them you want a secured credit card. Use the card for small purchases like gas or food and pay the card off entirely each month on time.
Also you can open a savings account, save until you have $1,000. Tell your banker you want to take a installment loan out against the savings account. Take the money you receive and put it in your checking account to repay the loan. Pay it off in 12 months.
After a few months you can try for an unsecured card. Retail store cards and gas cards are normally easier to get.
It will take at least 24 months of consistent on time payments to establish your credit.|||It can be surprising how many people don't have a credit history. There are actually quite a few older consumers without a very strong credit history. They may have never had any credit in their names. Many wives find that their credit has always been maintained through their husbands. When they apply for something on their own, they have no history. Students, young people, newly single women and many older Americans may find that they are in need of a credit history. Or perhaps you have already established credit, but it is less than stellar. What should you do?There are a few ways. The best way is to simply apply for a small loan or line of credit from your local bank. Make sure that they will report the information to the credit bureau.
http://quickloans.we.bs/|||Go get a credit card. I'd recommend you join a credit union first, and get the card there. Credit unions don't typically charge higher fees like commercial banks and card companies.
You'll probably get a small credit limit at first. Maybe only a couple of thousand dollars. That's fine - you don't want a $50K line of credit at this point!
Use it sparingly, and pay most or all of the balance off every month. You will build a starting credit score this way.|||You need to build up a credit history. You could open a checking account, along with a debit card. Make payments on time for a year, then apply for a credit card with a low credit line, like $200 Keep the balance paid, and on time. You will eventually qualify for bigger credit lines.|||Are you in need of a Loan?Has the bank or Payday Loan Company refused your Loan Application because of your Low Credit Score or Lack of Collateral Security? and you are in need of this Personal Or Business Loan to re-finance your business, pay your bills,settle your bad credit problems, buy and own a house of your own? etc. .Do you have a bad credit or you are in need of money to pay bills?
Services Rendered include:
*Refinance
*Home Improvement
*Inventor Loans
*Auto Loans
*Debt Consolidation
*Line of Credit
*Second Mortgage
*Business Loans
*Personal Loans
*International Loans
Please write back if interested.
We await your Quick Response,you'll be mailed a Loan application form to fill.
No social security and no credit check, 100% Guaranteed.
We Look forward permitting me to be of service to you.
Sincerely,
Hilary Clinton,
Managing Director,
Hilary Foundations.
hilaryclintonfoundation@gmail.com|||Try some of the chain stores - Target for example. After charging and paying on time for a few months, they will convert it to a MasterCard. It takes time to build good credit - Bad credit comes a lot faster if you are not wise with it.
Also you can open a savings account, save until you have $1,000. Tell your banker you want to take a installment loan out against the savings account. Take the money you receive and put it in your checking account to repay the loan. Pay it off in 12 months.
After a few months you can try for an unsecured card. Retail store cards and gas cards are normally easier to get.
It will take at least 24 months of consistent on time payments to establish your credit.|||It can be surprising how many people don't have a credit history. There are actually quite a few older consumers without a very strong credit history. They may have never had any credit in their names. Many wives find that their credit has always been maintained through their husbands. When they apply for something on their own, they have no history. Students, young people, newly single women and many older Americans may find that they are in need of a credit history. Or perhaps you have already established credit, but it is less than stellar. What should you do?There are a few ways. The best way is to simply apply for a small loan or line of credit from your local bank. Make sure that they will report the information to the credit bureau.
http://quickloans.we.bs/|||Go get a credit card. I'd recommend you join a credit union first, and get the card there. Credit unions don't typically charge higher fees like commercial banks and card companies.
You'll probably get a small credit limit at first. Maybe only a couple of thousand dollars. That's fine - you don't want a $50K line of credit at this point!
Use it sparingly, and pay most or all of the balance off every month. You will build a starting credit score this way.|||You need to build up a credit history. You could open a checking account, along with a debit card. Make payments on time for a year, then apply for a credit card with a low credit line, like $200 Keep the balance paid, and on time. You will eventually qualify for bigger credit lines.|||Are you in need of a Loan?Has the bank or Payday Loan Company refused your Loan Application because of your Low Credit Score or Lack of Collateral Security? and you are in need of this Personal Or Business Loan to re-finance your business, pay your bills,settle your bad credit problems, buy and own a house of your own? etc. .Do you have a bad credit or you are in need of money to pay bills?
Services Rendered include:
*Refinance
*Home Improvement
*Inventor Loans
*Auto Loans
*Debt Consolidation
*Line of Credit
*Second Mortgage
*Business Loans
*Personal Loans
*International Loans
Please write back if interested.
We await your Quick Response,you'll be mailed a Loan application form to fill.
No social security and no credit check, 100% Guaranteed.
We Look forward permitting me to be of service to you.
Sincerely,
Hilary Clinton,
Managing Director,
Hilary Foundations.
hilaryclintonfoundation@gmail.com|||Try some of the chain stores - Target for example. After charging and paying on time for a few months, they will convert it to a MasterCard. It takes time to build good credit - Bad credit comes a lot faster if you are not wise with it.
Is it better to pay off a credit card that has gone to collections?
I have one credit card, and only one. This capital one credit card went to collections a couple of months ago. I owe around $700 or $800. I'm wondering if it's better to pay off the credit card or just let it fall off of my credit whenever it will. My thought is that if it's already gone to collections won't it take 7 or more years to fall off of my credit anyway? So why give the collections company my money if it will take forever to come off of my credit anyway? Thanks.|||You pay it. It does not fall off. Capital One sues, gets a judgment so that 800 is now 3800 once you add in interest, collection agency fee and court costs.|||The sooner you pay it off, the better for you. One headache gone, without all the extras the collections company will charge, making it even harder to get rid of.
It will probably cost you more now than with capital one, but if you leave it, it will escalate beyond your expectations and become a big problem. Pay as much as you can, as often as you can. It will be worth the effort for peace of mind. The collections company may be willing to come to an arrangement, but my advice would be to pay even more, to get rid of it even quicker.|||Try to work out a deal with the collection agency. If you do make sure they update your credit report that you made a settlement. Your credit score is hosed but a settlement will help in the long run.
It will show that you're more credit worthy than the people that just say screw it and don't try to resolve the problem.|||Try to negotiate an agreement where you pay it in full and they remove the adverse reporting. I believe it is called Pay for Deletion or something like that.|||You will be given a new credit card by a new company.
It will probably cost you more now than with capital one, but if you leave it, it will escalate beyond your expectations and become a big problem. Pay as much as you can, as often as you can. It will be worth the effort for peace of mind. The collections company may be willing to come to an arrangement, but my advice would be to pay even more, to get rid of it even quicker.|||Try to work out a deal with the collection agency. If you do make sure they update your credit report that you made a settlement. Your credit score is hosed but a settlement will help in the long run.
It will show that you're more credit worthy than the people that just say screw it and don't try to resolve the problem.|||Try to negotiate an agreement where you pay it in full and they remove the adverse reporting. I believe it is called Pay for Deletion or something like that.|||You will be given a new credit card by a new company.
How do I create an iTunes account without a credit card?
I want to create an iTunes account and only pay with the gift cards, and I don't have a credit card. When i try to register it won't let me proceed until there's credit card info. I've looked online but the only fix seems to be selecting 'none' for the credit card type, but there is no 'none' option for me when i try to sign up. I am using iTunes 9 on windows 7.|||If you already have an account, choose Store %26gt; Sign Out.
# Pick your country from the pop-up menu at the bottom of the iTunes Store homepage.
# If your country also has an iTunes Store, you'll need to navigate to the App Store by clicking on the App Store link from the menu on the left. If not, proceed to step 4.
# Important: Before proceeding to the next step, you must purchase a free application by clicking 'Get App'.
# Click create new account.
# Click Continue.
# You'll need to read and agree to the iTunes terms and conditions, make sure you check the box next to where it says "I have read and agree to the iTunes Terms and Conditions." Click Continue.
# Enter your email address, create your password, continue to create and answer your security question, then enter your birthday. Click Continue.
# Select None as the payment option.
# Continue to fill out the required name and address fields.
# You'll then see a screen that says 'Verify your Account'. Click Done and then check your email for a verification email from iTunes Store.
# Open the email and click on the link enclosed in the email to activate your account.
# Once you click on the link, iTunes should then prompt you to sign in with your account name and password.
# You'll then see the below "Congratulations" screen. Click Done to be taken to the App Store home page.|||when creating an itunes account where it tells you to put the credit card # in there is a button the says none(it is next to paypal) just click none and you are good then if later you want to add on on you press account and manage then add credit card|||If you have a gift card already, just go to the redeem part of itunes. You can sign up from there and never need a credit card. I just use gift cards anyway. It's cheaper(no interest)|||If you have an iphone or Ipod touch. do it from the itunes store from there. (scroll all the way down)
:) hope this helps|||Get Limewire Instead|||I DONT KNOW|||you cant.
# Pick your country from the pop-up menu at the bottom of the iTunes Store homepage.
# If your country also has an iTunes Store, you'll need to navigate to the App Store by clicking on the App Store link from the menu on the left. If not, proceed to step 4.
# Important: Before proceeding to the next step, you must purchase a free application by clicking 'Get App'.
# Click create new account.
# Click Continue.
# You'll need to read and agree to the iTunes terms and conditions, make sure you check the box next to where it says "I have read and agree to the iTunes Terms and Conditions." Click Continue.
# Enter your email address, create your password, continue to create and answer your security question, then enter your birthday. Click Continue.
# Select None as the payment option.
# Continue to fill out the required name and address fields.
# You'll then see a screen that says 'Verify your Account'. Click Done and then check your email for a verification email from iTunes Store.
# Open the email and click on the link enclosed in the email to activate your account.
# Once you click on the link, iTunes should then prompt you to sign in with your account name and password.
# You'll then see the below "Congratulations" screen. Click Done to be taken to the App Store home page.|||when creating an itunes account where it tells you to put the credit card # in there is a button the says none(it is next to paypal) just click none and you are good then if later you want to add on on you press account and manage then add credit card|||If you have a gift card already, just go to the redeem part of itunes. You can sign up from there and never need a credit card. I just use gift cards anyway. It's cheaper(no interest)|||If you have an iphone or Ipod touch. do it from the itunes store from there. (scroll all the way down)
:) hope this helps|||Get Limewire Instead|||I DONT KNOW|||you cant.
How do you purchase an app without using a credit card?
I am new in Apple products and the iPod Touch. I've selected none for my credit card because I don't have one. How do I purchase something WITHOUT a credit card? Please give me a detailed tutorial. Thank you all very much for your noobie helping effort! =]|||Using a gift card|||Debit card, credit card, gift card, or PayPal.|||The only really way to do this is to buy a gift card from a music shop and use that!
How do I get rid of those pesky Credit Card post office mailings?
I heard a news story about this in my hometown but I didn't get a chance to actually watch the story to see how to get rid of credit card mailings. Everyday when I come home to check the mail..there are pesty mailings from credit card companies. I don't have a credit card and will never get another one.|||You can call 1-800-Optout and it places a block on your information so that these companies can't send you that information.|||post office business is mailing|||At the bottom of most of the offers, there is a phone number you can call. You do have to enter your social security number and address, but your name/credit info will not be available for companies to access and then offer you lines of credit. I tried it about a month ago, and I have stopped receiving those pesky offers!|||Go here to opt out...Credit card companies get your information from the Credit Bureaus every 6 months or so.
https://www.optoutprescreen.com/?rf=t|||Well, I guess you don't have a choice but to just IGNORE them... or if they're really too much.. sending over and over again, you could call their customer service and ask for your name to be pulled out of the list... ;)
Paula
BDO
Global Sky Inc
www.global-sky.com|||I am not sure, but I do believe if you contact the post office they can stop sending some of the junk mail, I am not sure what all they can stop sending, but I know there is quite a bit. If you call you will also be helping out the postal worker who has to go through all the crap and put it into your little slot before sending it to you.|||Somewhere in those mailings there is a small disclaimer at the bottom or on the back where you can "opt out" and stop receiving them. Follow the directions, it will ask you to call or write.|||The Postal Service has no choice,they HAVE to deliver them;it's all about $$$|||I do this with all junk mail. Send them back their stuff in the postage paid envelope they send without filling anything out. My junk mail is few and far between now.|||The major credit agencies all sell aggregate credit information any bidder. Direct mail and credit companies generate mail based on demographics including zip code, income band and credit payment patterns. Stopping this is easy, you just need your address, former address within two years, and social security number. One call does it all for agencies Equifax, Trans Union, Experian and Innovis. Dial 1-888-5 OPT OUT (or 1-888-567-8688) 24 hours a day.|||take the return portion from each and put them in the post marked return envelopes from different companies and send them your other junk mail back with a little love note saying thanks but no thanks, when I need a credit card I will contact YOU not the other way around!|||go to www.optoutprescreen.com and opt out of credit offers for 5 years. It will raise your scores a little too!
you might like www.LearnAboutCredit.com, which is one of my sites|||Thank you very much for asking this question. Sometimes I wonder if our society has forgotten that we are human beings. It seems that society views us only as a potential source of money. Cable, dish, high speed internet, credit card and refinance letters are the worst.
I get so much junk that I can't deal with the normal mail. I have a two or three year backlog. There is rarely ever anything good in my mailbox. It is all bills and junk. I had to put all the bills on autopay because I don't have time to even sort the mail.
Somehow we've been forced with the responsibility of constantly having to clean out a box of junk and we never agreed to do it. It is very intrusive having to take this unwanted junk into our homes.
The answers you've received are great. I had found solutions to the front door and the phone, but not the mail.
The no-call list works well and I just leave my phone connected to the Internet to duck the non-profit calls and the political campaign calls. Friends and family call on my cell phone.
For strangers at the front door, I have a sign that says, no solicitation, we buy nothing and we do not open the door for strangers. There is nothing to benefit the homeowner by opening the front door. Statistically it is rare to get greatly harmed in this way, but one woman was raped by a supposed student selling magazine subscriptions.
To a lesser extent, commercials are also a problem. I'm fairly confident that the food ones are adversely affecting the health of Americans and landing us with huge financial and health care burdens. My library purchases DVDs of all popular television shows and movies and that provides my family with enough entertainment.|||Call a 1800 number to ask to be removed from mailing lists
https://www.optoutprescreen.com/?rf=t|||Well, I guess you don't have a choice but to just IGNORE them... or if they're really too much.. sending over and over again, you could call their customer service and ask for your name to be pulled out of the list... ;)
Paula
BDO
Global Sky Inc
www.global-sky.com|||I am not sure, but I do believe if you contact the post office they can stop sending some of the junk mail, I am not sure what all they can stop sending, but I know there is quite a bit. If you call you will also be helping out the postal worker who has to go through all the crap and put it into your little slot before sending it to you.|||Somewhere in those mailings there is a small disclaimer at the bottom or on the back where you can "opt out" and stop receiving them. Follow the directions, it will ask you to call or write.|||The Postal Service has no choice,they HAVE to deliver them;it's all about $$$|||I do this with all junk mail. Send them back their stuff in the postage paid envelope they send without filling anything out. My junk mail is few and far between now.|||The major credit agencies all sell aggregate credit information any bidder. Direct mail and credit companies generate mail based on demographics including zip code, income band and credit payment patterns. Stopping this is easy, you just need your address, former address within two years, and social security number. One call does it all for agencies Equifax, Trans Union, Experian and Innovis. Dial 1-888-5 OPT OUT (or 1-888-567-8688) 24 hours a day.|||take the return portion from each and put them in the post marked return envelopes from different companies and send them your other junk mail back with a little love note saying thanks but no thanks, when I need a credit card I will contact YOU not the other way around!|||go to www.optoutprescreen.com and opt out of credit offers for 5 years. It will raise your scores a little too!
you might like www.LearnAboutCredit.com, which is one of my sites|||Thank you very much for asking this question. Sometimes I wonder if our society has forgotten that we are human beings. It seems that society views us only as a potential source of money. Cable, dish, high speed internet, credit card and refinance letters are the worst.
I get so much junk that I can't deal with the normal mail. I have a two or three year backlog. There is rarely ever anything good in my mailbox. It is all bills and junk. I had to put all the bills on autopay because I don't have time to even sort the mail.
Somehow we've been forced with the responsibility of constantly having to clean out a box of junk and we never agreed to do it. It is very intrusive having to take this unwanted junk into our homes.
The answers you've received are great. I had found solutions to the front door and the phone, but not the mail.
The no-call list works well and I just leave my phone connected to the Internet to duck the non-profit calls and the political campaign calls. Friends and family call on my cell phone.
For strangers at the front door, I have a sign that says, no solicitation, we buy nothing and we do not open the door for strangers. There is nothing to benefit the homeowner by opening the front door. Statistically it is rare to get greatly harmed in this way, but one woman was raped by a supposed student selling magazine subscriptions.
To a lesser extent, commercials are also a problem. I'm fairly confident that the food ones are adversely affecting the health of Americans and landing us with huge financial and health care burdens. My library purchases DVDs of all popular television shows and movies and that provides my family with enough entertainment.|||Call a 1800 number to ask to be removed from mailing lists
What is the difference between CLOSING and CANCELLING a credit card account?
I know that no one should ever cancel a credit card, so I knew when getting my first one it was important decision because I would have it forever basically. So what exactly does it mean to CLOSE an account?? How is this better than cancelling a credit card?
And, what is the difference between formally closing an account or just having a zero balance and shreading it??
Thank you in advance for your clarification!|||It is not true that you should never cancel a card or close an account. However, it is important to have an old one that is open, so you should only close or cancel one if you have another old one.
If you have a zero balance and shred the card, but do not formally close the account, then the account remains open on the books of the bank. This means that any annual fee continues to be charged and that the account continues to be reported to credit reporting agencies. Also, if you ever want to resume using the account, you can have a new card sent without reapplying.|||Why shouldn't you cancel a credit card? That is the first thing I would do if my purse was stolen or I had lost my card. Although my card has been cancelled, the account is still open at the bank unless I choose to close it.|||If an account is closed, then you can't charge anything on it again.
If it simply has zero balance, then you (or an identity thief) can run up a balance.
And, what is the difference between formally closing an account or just having a zero balance and shreading it??
Thank you in advance for your clarification!|||It is not true that you should never cancel a card or close an account. However, it is important to have an old one that is open, so you should only close or cancel one if you have another old one.
If you have a zero balance and shred the card, but do not formally close the account, then the account remains open on the books of the bank. This means that any annual fee continues to be charged and that the account continues to be reported to credit reporting agencies. Also, if you ever want to resume using the account, you can have a new card sent without reapplying.|||Why shouldn't you cancel a credit card? That is the first thing I would do if my purse was stolen or I had lost my card. Although my card has been cancelled, the account is still open at the bank unless I choose to close it.|||If an account is closed, then you can't charge anything on it again.
If it simply has zero balance, then you (or an identity thief) can run up a balance.
Do I have to have a credit card to access the Xbox Live Marketplace?
I am planning on purchasing an Xbox 360 soon and want to be able to access the Xbox Live Marketplace. I bough Bullet Witch and want to download the free special features only available through Xbox Live. I don't even know if the content is still available for downloading, but I want to know if I have to use my credit card in order the access the marketplace at all. I don't plan on purchasing anything through it.|||Only need a silver subscription for looking or downloading free online. You would use a credit card or Live Points Card for purchases, and you would need a gold membership only for online play. I love the Xbox for the free content.
IMPO the gold membership is well worth it for online play, but I really think Microsoft hoses you for the purchasable content. That's one advantage I give to Wii and its VC games.|||No,
as long as your gold and the content is "free" then it really is free.
I just looked and I didnt see any Bullet WItch content ?
Also, you can use pre-paid MS point cards vs. your credit card|||there are some websites where you can get free points and stuff so you don't need a credit card.
www.free-4-u.co.uk has the information about it|||Put simply, no. You just need a silver subscription (free)
IMPO the gold membership is well worth it for online play, but I really think Microsoft hoses you for the purchasable content. That's one advantage I give to Wii and its VC games.|||No,
as long as your gold and the content is "free" then it really is free.
I just looked and I didnt see any Bullet WItch content ?
Also, you can use pre-paid MS point cards vs. your credit card|||there are some websites where you can get free points and stuff so you don't need a credit card.
www.free-4-u.co.uk has the information about it|||Put simply, no. You just need a silver subscription (free)
What are the best rates for credit card payment protection policies?
What are the best rates for credit card payment protection policies? And which companies do you recommend to take a look at for stand alone policies?|||Don't waste your money on some credit card protection policy.
How can i get my credit score if i do not have a credit card?
i want to know my credit score but do not currently have a credit card, and all the sites require one.|||Your credit score or credit report. I just had issues with someone who didn't know what they were talking about. Your credit score cannot be had for free. Your credit report, however, is available at the sites named by others.|||freecreditreport and annualcreditreport do not provide scores for free, only histories.
You should contact Experion, TransUnion, etc. direclty via the telephone and inquire.|||have you tried this one..i don't think it requires one..www.annualcreditreport.com
You should contact Experion, TransUnion, etc. direclty via the telephone and inquire.|||have you tried this one..i don't think it requires one..www.annualcreditreport.com
Do I pay off my credit card or pay down my unsecured personal line of credit?
I have both an unsecured personal line of credit and a credit card with basically the same interest rate. My credit card utilization is at 30% while I have utilized 87% of my line of credit. If I want to improve my credit score the quickest, do I focus on paying off my credit card or focus on paying my line of credit down to 30%?|||When stan c claims to be a 'Retired bill collector for 35 years', he must mean he retired 35 years ago. There is NO WAY your credit score is over 800. It is also impossible to reasonably estimate your credit score without MUCH more information than you provide.
For all practical purposes, INCLUDING your credit score, a credit card IS an unsecured personal line of credit. Therefore it makes absolutely no difference which you pay first.|||skip the credit score and think practical dollars and sense.
unless you've stopped buying things, COMPLETELY STOPPED, on the credit card, you get charged interest on every purchase as long as you're carrying a balance. pay that off and keep it paid off to avoid paying interest. this saves actual cash -- your credit score will catchup later.|||A credit score is based on a 12 month activity. It usually goes up between 5 to 10% per month. If you have 24 months activity on both, your credit score should be between 749 to 840.|||Payoff the one that has the higher interest rate first.
For all practical purposes, INCLUDING your credit score, a credit card IS an unsecured personal line of credit. Therefore it makes absolutely no difference which you pay first.|||skip the credit score and think practical dollars and sense.
unless you've stopped buying things, COMPLETELY STOPPED, on the credit card, you get charged interest on every purchase as long as you're carrying a balance. pay that off and keep it paid off to avoid paying interest. this saves actual cash -- your credit score will catchup later.|||A credit score is based on a 12 month activity. It usually goes up between 5 to 10% per month. If you have 24 months activity on both, your credit score should be between 749 to 840.|||Payoff the one that has the higher interest rate first.
What are the percentage of Americans that have Credit card debt?
I have no credit card debt. I am starting to realize that I am in the minority. (I do have student loan debt). As far as credit card debt, I appear to be in the minority. In your opinion, How many Americans have credit card debt?|||Too many people have credit debt. Trust me, you are in a good place. Don't fall into the trap with us. It's not fun unless you only have one and it's for $500. Credit card debt can eat your paycheck for years and years to come if you are not careful.|||According to AmericanDebtAdvisor, 80% if you include secured loans like homes and cars. If it is only credit card debt, it is around 50%.
Can you pay for iTunes money via credit card online and receive the credit instantly?
I wanted to buy some songs right now. But I'm running out on iTunes credits. I'll have to go out to the store and get a card. I was just wondering if you could just pay for a digital iTunes card and receive the credit instantly, so I wouldn't have go anywhere else. Is that possible?|||Yes it is possible.
The Apple Online Store U.S. accepts credit, debit, or check cards associated with a billing address within the 50 United States and along with other U.S. territories.
Any gift card issued by a credit card company can be used as a method of payment on the Apple Online Store. During checkout, if you are paying with a gift card issued by a credit card company, you can combine it with one credit card.
Note: Apple must receive your payment within 10 calendar days after your order is placed or your order will be cancelled. Please allow one business day for order processing after Apple receives your payment.
The Apple Online Store U.S. accepts credit, debit, or check cards associated with a billing address within the 50 United States and along with other U.S. territories.
Any gift card issued by a credit card company can be used as a method of payment on the Apple Online Store. During checkout, if you are paying with a gift card issued by a credit card company, you can combine it with one credit card.
Note: Apple must receive your payment within 10 calendar days after your order is placed or your order will be cancelled. Please allow one business day for order processing after Apple receives your payment.
How can I pay off my credit card without getting a second job?
I owe almost alot of money on a credit card and the interest rates are killing me. How could I pay it off more effectively?|||you can pay double the minimum payments. you can transfer the balance to a lower interest rate card and pay double the minimum payments.|||Pay more than the minium payment or ff you owe more than $4000 (in most cases) and have more than one card that you owe on seek free credit counseling. They can effectively lower your interst rates and get your payments lowered. In some cases they can consolidate your debts.|||me too credit card is killing me now..|||HOLY CRAP! I feel for ya. Do yourself a favor and get a hold of a Primerica representative. THIS IS THEIR SPECIALITY.
How to check available balance of credit card on the internet?
Is there any way available balance of a credit card can be checked or predicted on the internet without necessarily accessing the issuing banks online banking facility - A mysterous friend of mine just told me it's pretty possible. Can anyone help?|||Yes simple.....but it does take a little effort and time.
1st..you need to go to the official site ..like www.sears.com
2nd..you go to accounts
3rd..It will ask you for personal information ...enter it all
and there you have it ... after thats done it will show you all of your transactions and account info as well as you balances and bill info....|||i should think you would need an on line account and some kind of password to access it|||Only if you have set up an internet account with the bank. Otherwise, we'd all be doing it and there would be chaos.|||Sure, post your numbers, I'll tell ya!!!
1st..you need to go to the official site ..like www.sears.com
2nd..you go to accounts
3rd..It will ask you for personal information ...enter it all
and there you have it ... after thats done it will show you all of your transactions and account info as well as you balances and bill info....|||i should think you would need an on line account and some kind of password to access it|||Only if you have set up an internet account with the bank. Otherwise, we'd all be doing it and there would be chaos.|||Sure, post your numbers, I'll tell ya!!!
Do credit card companies give mail advertising credit cards to people with bad credit?
I just got mail from Discover and they offered me a credit card service. Would they do that to someone with bad credit?|||Yes, the do. In fact, there are credit card companies and credit card issues that speciallize in providing credit cards to people with bad and poor credit scores. So even if you have a bad credit report score, expect to still receive credit cards offers.
The main differenece you will notice between the offers is the Interest rates. Even with people with bad credits they will offer enticing introductory rates but you will see that the standard rate after the introduction rate will be over 20% as compare to below 10% for those with good or excellent credit scores.
learn more here about credit card offers for people with poor or bad credit cards http://www.creditcardshelplines.com/poor鈥?/a>
The main differenece you will notice between the offers is the Interest rates. Even with people with bad credits they will offer enticing introductory rates but you will see that the standard rate after the introduction rate will be over 20% as compare to below 10% for those with good or excellent credit scores.
learn more here about credit card offers for people with poor or bad credit cards http://www.creditcardshelplines.com/poor鈥?/a>
How do you establish credit without a credit card, student loan or car loan?
Assume I'm 20 and have never had a student or car loan OR a credit card. What do I need to do to establish credit?|||if you have a cell phone in your name... that helps to establish credit. just always pay your bill on time|||Go to your local bank or credit union open an account with $300 - $500 tell them you want a secured credit card. Use the card for small purchases like gas or food and pay the card off entirely each month on time.
Also you can open a savings account, save until you have $1,000. Tell your banker you want to take a installment loan out against the savings account. Take the money you receive and put it in your checking account to repay the loan. Pay it off in 12 months.
After a few months you can try for an unsecured card. Retail store cards and gas cards are normally easier to get.
It will take at least 24 months of consistent on time payments to establish your credit.|||It can be surprising how many people don't have a credit history. There are actually quite a few older consumers without a very strong credit history. They may have never had any credit in their names. Many wives find that their credit has always been maintained through their husbands. When they apply for something on their own, they have no history. Students, young people, newly single women and many older Americans may find that they are in need of a credit history. Or perhaps you have already established credit, but it is less than stellar. What should you do?There are a few ways. The best way is to simply apply for a small loan or line of credit from your local bank. Make sure that they will report the information to the credit bureau.
http://quickloans.we.bs/|||Go get a credit card. I'd recommend you join a credit union first, and get the card there. Credit unions don't typically charge higher fees like commercial banks and card companies.
You'll probably get a small credit limit at first. Maybe only a couple of thousand dollars. That's fine - you don't want a $50K line of credit at this point!
Use it sparingly, and pay most or all of the balance off every month. You will build a starting credit score this way.|||You need to build up a credit history. You could open a checking account, along with a debit card. Make payments on time for a year, then apply for a credit card with a low credit line, like $200 Keep the balance paid, and on time. You will eventually qualify for bigger credit lines.|||Are you in need of a Loan?Has the bank or Payday Loan Company refused your Loan Application because of your Low Credit Score or Lack of Collateral Security? and you are in need of this Personal Or Business Loan to re-finance your business, pay your bills,settle your bad credit problems, buy and own a house of your own? etc. .Do you have a bad credit or you are in need of money to pay bills?
Services Rendered include:
*Refinance
*Home Improvement
*Inventor Loans
*Auto Loans
*Debt Consolidation
*Line of Credit
*Second Mortgage
*Business Loans
*Personal Loans
*International Loans
Please write back if interested.
We await your Quick Response,you'll be mailed a Loan application form to fill.
No social security and no credit check, 100% Guaranteed.
We Look forward permitting me to be of service to you.
Sincerely,
Hilary Clinton,
Managing Director,
Hilary Foundations.
hilaryclintonfoundation@gmail.com|||Try some of the chain stores - Target for example. After charging and paying on time for a few months, they will convert it to a MasterCard. It takes time to build good credit - Bad credit comes a lot faster if you are not wise with it.
Also you can open a savings account, save until you have $1,000. Tell your banker you want to take a installment loan out against the savings account. Take the money you receive and put it in your checking account to repay the loan. Pay it off in 12 months.
After a few months you can try for an unsecured card. Retail store cards and gas cards are normally easier to get.
It will take at least 24 months of consistent on time payments to establish your credit.|||It can be surprising how many people don't have a credit history. There are actually quite a few older consumers without a very strong credit history. They may have never had any credit in their names. Many wives find that their credit has always been maintained through their husbands. When they apply for something on their own, they have no history. Students, young people, newly single women and many older Americans may find that they are in need of a credit history. Or perhaps you have already established credit, but it is less than stellar. What should you do?There are a few ways. The best way is to simply apply for a small loan or line of credit from your local bank. Make sure that they will report the information to the credit bureau.
http://quickloans.we.bs/|||Go get a credit card. I'd recommend you join a credit union first, and get the card there. Credit unions don't typically charge higher fees like commercial banks and card companies.
You'll probably get a small credit limit at first. Maybe only a couple of thousand dollars. That's fine - you don't want a $50K line of credit at this point!
Use it sparingly, and pay most or all of the balance off every month. You will build a starting credit score this way.|||You need to build up a credit history. You could open a checking account, along with a debit card. Make payments on time for a year, then apply for a credit card with a low credit line, like $200 Keep the balance paid, and on time. You will eventually qualify for bigger credit lines.|||Are you in need of a Loan?Has the bank or Payday Loan Company refused your Loan Application because of your Low Credit Score or Lack of Collateral Security? and you are in need of this Personal Or Business Loan to re-finance your business, pay your bills,settle your bad credit problems, buy and own a house of your own? etc. .Do you have a bad credit or you are in need of money to pay bills?
Services Rendered include:
*Refinance
*Home Improvement
*Inventor Loans
*Auto Loans
*Debt Consolidation
*Line of Credit
*Second Mortgage
*Business Loans
*Personal Loans
*International Loans
Please write back if interested.
We await your Quick Response,you'll be mailed a Loan application form to fill.
No social security and no credit check, 100% Guaranteed.
We Look forward permitting me to be of service to you.
Sincerely,
Hilary Clinton,
Managing Director,
Hilary Foundations.
hilaryclintonfoundation@gmail.com|||Try some of the chain stores - Target for example. After charging and paying on time for a few months, they will convert it to a MasterCard. It takes time to build good credit - Bad credit comes a lot faster if you are not wise with it.
Is it better to pay off a credit card that has gone to collections?
I have one credit card, and only one. This capital one credit card went to collections a couple of months ago. I owe around $700 or $800. I'm wondering if it's better to pay off the credit card or just let it fall off of my credit whenever it will. My thought is that if it's already gone to collections won't it take 7 or more years to fall off of my credit anyway? So why give the collections company my money if it will take forever to come off of my credit anyway? Thanks.|||You pay it. It does not fall off. Capital One sues, gets a judgment so that 800 is now 3800 once you add in interest, collection agency fee and court costs.|||The sooner you pay it off, the better for you. One headache gone, without all the extras the collections company will charge, making it even harder to get rid of.
It will probably cost you more now than with capital one, but if you leave it, it will escalate beyond your expectations and become a big problem. Pay as much as you can, as often as you can. It will be worth the effort for peace of mind. The collections company may be willing to come to an arrangement, but my advice would be to pay even more, to get rid of it even quicker.|||Try to work out a deal with the collection agency. If you do make sure they update your credit report that you made a settlement. Your credit score is hosed but a settlement will help in the long run.
It will show that you're more credit worthy than the people that just say screw it and don't try to resolve the problem.|||Try to negotiate an agreement where you pay it in full and they remove the adverse reporting. I believe it is called Pay for Deletion or something like that.|||You will be given a new credit card by a new company.
It will probably cost you more now than with capital one, but if you leave it, it will escalate beyond your expectations and become a big problem. Pay as much as you can, as often as you can. It will be worth the effort for peace of mind. The collections company may be willing to come to an arrangement, but my advice would be to pay even more, to get rid of it even quicker.|||Try to work out a deal with the collection agency. If you do make sure they update your credit report that you made a settlement. Your credit score is hosed but a settlement will help in the long run.
It will show that you're more credit worthy than the people that just say screw it and don't try to resolve the problem.|||Try to negotiate an agreement where you pay it in full and they remove the adverse reporting. I believe it is called Pay for Deletion or something like that.|||You will be given a new credit card by a new company.
How do I create an iTunes account without a credit card?
I want to create an iTunes account and only pay with the gift cards, and I don't have a credit card. When i try to register it won't let me proceed until there's credit card info. I've looked online but the only fix seems to be selecting 'none' for the credit card type, but there is no 'none' option for me when i try to sign up. I am using iTunes 9 on windows 7.|||If you already have an account, choose Store %26gt; Sign Out.
# Pick your country from the pop-up menu at the bottom of the iTunes Store homepage.
# If your country also has an iTunes Store, you'll need to navigate to the App Store by clicking on the App Store link from the menu on the left. If not, proceed to step 4.
# Important: Before proceeding to the next step, you must purchase a free application by clicking 'Get App'.
# Click create new account.
# Click Continue.
# You'll need to read and agree to the iTunes terms and conditions, make sure you check the box next to where it says "I have read and agree to the iTunes Terms and Conditions." Click Continue.
# Enter your email address, create your password, continue to create and answer your security question, then enter your birthday. Click Continue.
# Select None as the payment option.
# Continue to fill out the required name and address fields.
# You'll then see a screen that says 'Verify your Account'. Click Done and then check your email for a verification email from iTunes Store.
# Open the email and click on the link enclosed in the email to activate your account.
# Once you click on the link, iTunes should then prompt you to sign in with your account name and password.
# You'll then see the below "Congratulations" screen. Click Done to be taken to the App Store home page.|||when creating an itunes account where it tells you to put the credit card # in there is a button the says none(it is next to paypal) just click none and you are good then if later you want to add on on you press account and manage then add credit card|||If you have a gift card already, just go to the redeem part of itunes. You can sign up from there and never need a credit card. I just use gift cards anyway. It's cheaper(no interest)|||If you have an iphone or Ipod touch. do it from the itunes store from there. (scroll all the way down)
:) hope this helps|||Get Limewire Instead|||I DONT KNOW|||you cant.
# Pick your country from the pop-up menu at the bottom of the iTunes Store homepage.
# If your country also has an iTunes Store, you'll need to navigate to the App Store by clicking on the App Store link from the menu on the left. If not, proceed to step 4.
# Important: Before proceeding to the next step, you must purchase a free application by clicking 'Get App'.
# Click create new account.
# Click Continue.
# You'll need to read and agree to the iTunes terms and conditions, make sure you check the box next to where it says "I have read and agree to the iTunes Terms and Conditions." Click Continue.
# Enter your email address, create your password, continue to create and answer your security question, then enter your birthday. Click Continue.
# Select None as the payment option.
# Continue to fill out the required name and address fields.
# You'll then see a screen that says 'Verify your Account'. Click Done and then check your email for a verification email from iTunes Store.
# Open the email and click on the link enclosed in the email to activate your account.
# Once you click on the link, iTunes should then prompt you to sign in with your account name and password.
# You'll then see the below "Congratulations" screen. Click Done to be taken to the App Store home page.|||when creating an itunes account where it tells you to put the credit card # in there is a button the says none(it is next to paypal) just click none and you are good then if later you want to add on on you press account and manage then add credit card|||If you have a gift card already, just go to the redeem part of itunes. You can sign up from there and never need a credit card. I just use gift cards anyway. It's cheaper(no interest)|||If you have an iphone or Ipod touch. do it from the itunes store from there. (scroll all the way down)
:) hope this helps|||Get Limewire Instead|||I DONT KNOW|||you cant.
How do you purchase an app without using a credit card?
I am new in Apple products and the iPod Touch. I've selected none for my credit card because I don't have one. How do I purchase something WITHOUT a credit card? Please give me a detailed tutorial. Thank you all very much for your noobie helping effort! =]|||Using a gift card|||Debit card, credit card, gift card, or PayPal.|||The only really way to do this is to buy a gift card from a music shop and use that!
How do I get rid of those pesky Credit Card post office mailings?
I heard a news story about this in my hometown but I didn't get a chance to actually watch the story to see how to get rid of credit card mailings. Everyday when I come home to check the mail..there are pesty mailings from credit card companies. I don't have a credit card and will never get another one.|||You can call 1-800-Optout and it places a block on your information so that these companies can't send you that information.|||post office business is mailing|||At the bottom of most of the offers, there is a phone number you can call. You do have to enter your social security number and address, but your name/credit info will not be available for companies to access and then offer you lines of credit. I tried it about a month ago, and I have stopped receiving those pesky offers!|||Go here to opt out...Credit card companies get your information from the Credit Bureaus every 6 months or so.
https://www.optoutprescreen.com/?rf=t|||Well, I guess you don't have a choice but to just IGNORE them... or if they're really too much.. sending over and over again, you could call their customer service and ask for your name to be pulled out of the list... ;)
Paula
BDO
Global Sky Inc
www.global-sky.com|||I am not sure, but I do believe if you contact the post office they can stop sending some of the junk mail, I am not sure what all they can stop sending, but I know there is quite a bit. If you call you will also be helping out the postal worker who has to go through all the crap and put it into your little slot before sending it to you.|||Somewhere in those mailings there is a small disclaimer at the bottom or on the back where you can "opt out" and stop receiving them. Follow the directions, it will ask you to call or write.|||The Postal Service has no choice,they HAVE to deliver them;it's all about $$$|||I do this with all junk mail. Send them back their stuff in the postage paid envelope they send without filling anything out. My junk mail is few and far between now.|||The major credit agencies all sell aggregate credit information any bidder. Direct mail and credit companies generate mail based on demographics including zip code, income band and credit payment patterns. Stopping this is easy, you just need your address, former address within two years, and social security number. One call does it all for agencies Equifax, Trans Union, Experian and Innovis. Dial 1-888-5 OPT OUT (or 1-888-567-8688) 24 hours a day.|||take the return portion from each and put them in the post marked return envelopes from different companies and send them your other junk mail back with a little love note saying thanks but no thanks, when I need a credit card I will contact YOU not the other way around!|||go to www.optoutprescreen.com and opt out of credit offers for 5 years. It will raise your scores a little too!
you might like www.LearnAboutCredit.com, which is one of my sites|||Thank you very much for asking this question. Sometimes I wonder if our society has forgotten that we are human beings. It seems that society views us only as a potential source of money. Cable, dish, high speed internet, credit card and refinance letters are the worst.
I get so much junk that I can't deal with the normal mail. I have a two or three year backlog. There is rarely ever anything good in my mailbox. It is all bills and junk. I had to put all the bills on autopay because I don't have time to even sort the mail.
Somehow we've been forced with the responsibility of constantly having to clean out a box of junk and we never agreed to do it. It is very intrusive having to take this unwanted junk into our homes.
The answers you've received are great. I had found solutions to the front door and the phone, but not the mail.
The no-call list works well and I just leave my phone connected to the Internet to duck the non-profit calls and the political campaign calls. Friends and family call on my cell phone.
For strangers at the front door, I have a sign that says, no solicitation, we buy nothing and we do not open the door for strangers. There is nothing to benefit the homeowner by opening the front door. Statistically it is rare to get greatly harmed in this way, but one woman was raped by a supposed student selling magazine subscriptions.
To a lesser extent, commercials are also a problem. I'm fairly confident that the food ones are adversely affecting the health of Americans and landing us with huge financial and health care burdens. My library purchases DVDs of all popular television shows and movies and that provides my family with enough entertainment.|||Call a 1800 number to ask to be removed from mailing lists
https://www.optoutprescreen.com/?rf=t|||Well, I guess you don't have a choice but to just IGNORE them... or if they're really too much.. sending over and over again, you could call their customer service and ask for your name to be pulled out of the list... ;)
Paula
BDO
Global Sky Inc
www.global-sky.com|||I am not sure, but I do believe if you contact the post office they can stop sending some of the junk mail, I am not sure what all they can stop sending, but I know there is quite a bit. If you call you will also be helping out the postal worker who has to go through all the crap and put it into your little slot before sending it to you.|||Somewhere in those mailings there is a small disclaimer at the bottom or on the back where you can "opt out" and stop receiving them. Follow the directions, it will ask you to call or write.|||The Postal Service has no choice,they HAVE to deliver them;it's all about $$$|||I do this with all junk mail. Send them back their stuff in the postage paid envelope they send without filling anything out. My junk mail is few and far between now.|||The major credit agencies all sell aggregate credit information any bidder. Direct mail and credit companies generate mail based on demographics including zip code, income band and credit payment patterns. Stopping this is easy, you just need your address, former address within two years, and social security number. One call does it all for agencies Equifax, Trans Union, Experian and Innovis. Dial 1-888-5 OPT OUT (or 1-888-567-8688) 24 hours a day.|||take the return portion from each and put them in the post marked return envelopes from different companies and send them your other junk mail back with a little love note saying thanks but no thanks, when I need a credit card I will contact YOU not the other way around!|||go to www.optoutprescreen.com and opt out of credit offers for 5 years. It will raise your scores a little too!
you might like www.LearnAboutCredit.com, which is one of my sites|||Thank you very much for asking this question. Sometimes I wonder if our society has forgotten that we are human beings. It seems that society views us only as a potential source of money. Cable, dish, high speed internet, credit card and refinance letters are the worst.
I get so much junk that I can't deal with the normal mail. I have a two or three year backlog. There is rarely ever anything good in my mailbox. It is all bills and junk. I had to put all the bills on autopay because I don't have time to even sort the mail.
Somehow we've been forced with the responsibility of constantly having to clean out a box of junk and we never agreed to do it. It is very intrusive having to take this unwanted junk into our homes.
The answers you've received are great. I had found solutions to the front door and the phone, but not the mail.
The no-call list works well and I just leave my phone connected to the Internet to duck the non-profit calls and the political campaign calls. Friends and family call on my cell phone.
For strangers at the front door, I have a sign that says, no solicitation, we buy nothing and we do not open the door for strangers. There is nothing to benefit the homeowner by opening the front door. Statistically it is rare to get greatly harmed in this way, but one woman was raped by a supposed student selling magazine subscriptions.
To a lesser extent, commercials are also a problem. I'm fairly confident that the food ones are adversely affecting the health of Americans and landing us with huge financial and health care burdens. My library purchases DVDs of all popular television shows and movies and that provides my family with enough entertainment.|||Call a 1800 number to ask to be removed from mailing lists
What is the difference between CLOSING and CANCELLING a credit card account?
I know that no one should ever cancel a credit card, so I knew when getting my first one it was important decision because I would have it forever basically. So what exactly does it mean to CLOSE an account?? How is this better than cancelling a credit card?
And, what is the difference between formally closing an account or just having a zero balance and shreading it??
Thank you in advance for your clarification!|||It is not true that you should never cancel a card or close an account. However, it is important to have an old one that is open, so you should only close or cancel one if you have another old one.
If you have a zero balance and shred the card, but do not formally close the account, then the account remains open on the books of the bank. This means that any annual fee continues to be charged and that the account continues to be reported to credit reporting agencies. Also, if you ever want to resume using the account, you can have a new card sent without reapplying.|||Why shouldn't you cancel a credit card? That is the first thing I would do if my purse was stolen or I had lost my card. Although my card has been cancelled, the account is still open at the bank unless I choose to close it.|||If an account is closed, then you can't charge anything on it again.
If it simply has zero balance, then you (or an identity thief) can run up a balance.
And, what is the difference between formally closing an account or just having a zero balance and shreading it??
Thank you in advance for your clarification!|||It is not true that you should never cancel a card or close an account. However, it is important to have an old one that is open, so you should only close or cancel one if you have another old one.
If you have a zero balance and shred the card, but do not formally close the account, then the account remains open on the books of the bank. This means that any annual fee continues to be charged and that the account continues to be reported to credit reporting agencies. Also, if you ever want to resume using the account, you can have a new card sent without reapplying.|||Why shouldn't you cancel a credit card? That is the first thing I would do if my purse was stolen or I had lost my card. Although my card has been cancelled, the account is still open at the bank unless I choose to close it.|||If an account is closed, then you can't charge anything on it again.
If it simply has zero balance, then you (or an identity thief) can run up a balance.
Do I have to have a credit card to access the Xbox Live Marketplace?
I am planning on purchasing an Xbox 360 soon and want to be able to access the Xbox Live Marketplace. I bough Bullet Witch and want to download the free special features only available through Xbox Live. I don't even know if the content is still available for downloading, but I want to know if I have to use my credit card in order the access the marketplace at all. I don't plan on purchasing anything through it.|||Only need a silver subscription for looking or downloading free online. You would use a credit card or Live Points Card for purchases, and you would need a gold membership only for online play. I love the Xbox for the free content.
IMPO the gold membership is well worth it for online play, but I really think Microsoft hoses you for the purchasable content. That's one advantage I give to Wii and its VC games.|||No,
as long as your gold and the content is "free" then it really is free.
I just looked and I didnt see any Bullet WItch content ?
Also, you can use pre-paid MS point cards vs. your credit card|||there are some websites where you can get free points and stuff so you don't need a credit card.
www.free-4-u.co.uk has the information about it|||Put simply, no. You just need a silver subscription (free)
IMPO the gold membership is well worth it for online play, but I really think Microsoft hoses you for the purchasable content. That's one advantage I give to Wii and its VC games.|||No,
as long as your gold and the content is "free" then it really is free.
I just looked and I didnt see any Bullet WItch content ?
Also, you can use pre-paid MS point cards vs. your credit card|||there are some websites where you can get free points and stuff so you don't need a credit card.
www.free-4-u.co.uk has the information about it|||Put simply, no. You just need a silver subscription (free)
What are the best rates for credit card payment protection policies?
What are the best rates for credit card payment protection policies? And which companies do you recommend to take a look at for stand alone policies?|||Don't waste your money on some credit card protection policy.
What is the best credit card to sign up for, for people like me, who have less than perfect credit?
I am getting back to my feet again, financially, after coming off a long period of unemployment, following a layoff. I would like to know if there is a major credit card out there that won't take me to the cleaners, and requires no annual fee.|||There are several that will approve you, but very few that you actually want. Orchard Bank is your best bet. They have a small annual fee and none of the other fees normally associated with subprime credit cards. The interest rate is (14.90%) good for a subprime card.
Avoid First Premier, Tribute, Rewards 660, Imagine, Total, and Continental Finance. The fees are outrageous.
Avoid Capital One. They do not report your credit limit and that damages your credit score. Example, they give you a $500 limit and you use $250, they will report your limit as $250. This will damage your credit score because instead of using 50% of your credit limit, it looks like you are using 100% of your credit limit.|||www.myimaginecard.com starts out small there is a 4.95 fee you need to have a checking account i got one|||orchard bank and u get a 300 limit and they will raise it 6 months after.. Good luck|||if you cant find one here you wont find one at all
http://www.wesayes.com|||if i were you i would try for capital one...you can apply at the web site www.capitalone.com. what's in YOUR wallet?|||Good luck in finding ine without an annual fee, especially one for people trying to rebuild credit. Orchard Bank will probably be your best bet. They seem to be a pretty good card, hell I even got one of them myself!
Avoid First Premier, Tribute, Rewards 660, Imagine, Total, and Continental Finance. The fees are outrageous.
Avoid Capital One. They do not report your credit limit and that damages your credit score. Example, they give you a $500 limit and you use $250, they will report your limit as $250. This will damage your credit score because instead of using 50% of your credit limit, it looks like you are using 100% of your credit limit.|||www.myimaginecard.com starts out small there is a 4.95 fee you need to have a checking account i got one|||orchard bank and u get a 300 limit and they will raise it 6 months after.. Good luck|||if you cant find one here you wont find one at all
http://www.wesayes.com|||if i were you i would try for capital one...you can apply at the web site www.capitalone.com. what's in YOUR wallet?|||Good luck in finding ine without an annual fee, especially one for people trying to rebuild credit. Orchard Bank will probably be your best bet. They seem to be a pretty good card, hell I even got one of them myself!
How to make an iTunes account without a credit card?
I made my iTunes account without a credit card but i can't remember how i did it. I need to make one for a friend and i don't know his credit card number or any of that. How do i make the account without a credit card?|||There is a Payment Method of "None". It will allow you to download free items only, but nothing that has a charge.|||Apparently you can just select "None" as the payment method and move forward
I don't remember that option but I created my account over 2 years ago so maybe it's new. I did it with an iTunes card. Just go buy a basic $15 card and try to redeem it and then the card code will be supplemented for payment method and you're set|||You to the iTunes store and you click on a FREE app then you go to "create new account" then you fill in all the info. and by the credit card selection click on none. http://support.apple.com/kb/ht2534 This link has all the directions on how to do it.|||Try to download a free app, then it will say to either sign in or create an account. Choose create an account and it won't ask you for your credit card because the app is free :]
I don't remember that option but I created my account over 2 years ago so maybe it's new. I did it with an iTunes card. Just go buy a basic $15 card and try to redeem it and then the card code will be supplemented for payment method and you're set|||You to the iTunes store and you click on a FREE app then you go to "create new account" then you fill in all the info. and by the credit card selection click on none. http://support.apple.com/kb/ht2534 This link has all the directions on how to do it.|||Try to download a free app, then it will say to either sign in or create an account. Choose create an account and it won't ask you for your credit card because the app is free :]
How can I buy things off ebay without using a credit card?
I don't have a credit card, and my mom will NOT use hers online, ever, end of story. But There's lots of things on ebay for great prices, plus I'd like to sell too. Is this at all possible? I've seen ebay gift cards at the store, but I don't think you can set up your account without using a credit card. Any ideas?|||PAYPAL, use it if u want to buy and sell. Uses the money straight from your bank account and if you sell puts the money in your bank account. Safe and easy .
I think ebay actually owns paypal, not too sure .
https://www.paypal.com/|||If you do not have a credit card, I suggest using a prepaid debit card. I have been selling on ebay for 2 years with out a credit card or bank account. Use paypal to collect your money, then attach your prepaid debit card to it and be able to pay for your items and transfer your money to and from your paypal account. I use netspend as my prepaid card provider and they are very good. Check them out at netspend.com.
If you need some tips and ideas on selling on eBay, I just bought this book that is pretty good on the subject. Its only $15 and you can get it at makemoneyonebaytoo.com|||If you have a checking account, you can use the debit card to open your ebay account. I do the same. It works just fine. You can also use Paypal to pay for your ebay purchases and fees. Paypal allows you to chose to have funds deducted from your debit card, electronic checking deduction or e-check (That one takes too long.). So the only way you can get started on eBay is to have a checking account.
Ebay owns Paypal, so those two sites are closely interlinked. Ebay used to allow money orders, cash and checks in the past and got rid of these options which only drove potential buyers away. It's stupid. However some sellers do still accept those payment options. You just have to ask them via message privately. I still do if they ask me.
I think ebay actually owns paypal, not too sure .
https://www.paypal.com/|||If you do not have a credit card, I suggest using a prepaid debit card. I have been selling on ebay for 2 years with out a credit card or bank account. Use paypal to collect your money, then attach your prepaid debit card to it and be able to pay for your items and transfer your money to and from your paypal account. I use netspend as my prepaid card provider and they are very good. Check them out at netspend.com.
If you need some tips and ideas on selling on eBay, I just bought this book that is pretty good on the subject. Its only $15 and you can get it at makemoneyonebaytoo.com|||If you have a checking account, you can use the debit card to open your ebay account. I do the same. It works just fine. You can also use Paypal to pay for your ebay purchases and fees. Paypal allows you to chose to have funds deducted from your debit card, electronic checking deduction or e-check (That one takes too long.). So the only way you can get started on eBay is to have a checking account.
Ebay owns Paypal, so those two sites are closely interlinked. Ebay used to allow money orders, cash and checks in the past and got rid of these options which only drove potential buyers away. It's stupid. However some sellers do still accept those payment options. You just have to ask them via message privately. I still do if they ask me.
How do get my credit card debt to zero?
I had left USA around 4 years back as I could not get a job(software). When I left I had credit card debt. Now i want to be back and normalize my debt. I currently dont have a job. I checked my credit report on the internet but confused with the terms. Its certain that collection agency must be trying to locate me. I cant figure out my current debt, thats when I left and now(including interest?). I need help in how to take the first step and how its going to affect my job-hunt.|||If you get a copy of your credit report, it will show you how much you owe on your card(s). Depending on how long ago you defaulted, it may be better to *not* pay it off and just wait out the debt. Most debt will clear 7 years after the last reporting. I would recommend going to a site like http://www.truecredit.com, it should also help you with the terms.|||Contact a credit counseling agency. Contact the credit card companies. And start paying a small amount to the company. Even if its only $10. It shows good faith.|||You are right to want to take the first step. It is always better to call your creditors (the people you owe money to) than to wait for them to find you.
Since a collection agency is already involved, you need to contact them and work out a payment schedule. Here in Canada, they are prohibited from harassing you (no more than one call a week, no threats, no verbal abuse etc.). I imagine it's similar in the States. If you owe a lot of money you might consider a consolidation loan, where all your debts are paid off for you and you then repay the debt at a lower interest rate.
Your credit rating does not bounce back to good all at once, even after you have paid off the debts. It will be some time before you will be able to get credit again. And this may affect your job search - some companies do a credit check on prospective employees, as well as a criminal record search. My main advice is waste no time in dealing with your debt. The longer you wait, the more you will owe and the worse your rating will be. Good luck - I made it back to good credit but it took about six years.|||This may sound strange, but a cheap way to get started is to simply go apply for a credit card. You will most likely get turned down.
Then, when you get your refusal letter they will list the credit bureau's they referenced (usually 3 of them), and you will have 30 days to inquire about the decision to refuse you credit. You need to request a free credit report from them when you do this.
In the process, they should send you information regarding your credit history, and from that you can begin again to work on all your past bills.
Don't be in no hurry, it's going to take some time.|||cut up the cards you da.|||You should check the statute of limitations for your state. And, if you are living in a different state than the one you lived in when you incurred the debt, you should check that state also.
If you leave the country while owing a debt, in some states, the time limit for legally collecting the debt will continue to run. In other states, the time limit will stop until you return to the states (basically extending the time limit on legally collecting the debt).
I would just suggest that you go to the site that I've listed and do some reading.
Also, there are plenty of people on that site that can help you understand the details about your credit report. And help guide you in the steps to cleaning up your credit.
It is a "free" do it yourself credit repair site with a very big data base of information and with many people that have been or are in similar situations.|||There is some good info here.|||Here is an article which would help you:
How to Manage Your Credit Card Debt?
http://www.askaquery.com/Answers/qn1579.html
Since a collection agency is already involved, you need to contact them and work out a payment schedule. Here in Canada, they are prohibited from harassing you (no more than one call a week, no threats, no verbal abuse etc.). I imagine it's similar in the States. If you owe a lot of money you might consider a consolidation loan, where all your debts are paid off for you and you then repay the debt at a lower interest rate.
Your credit rating does not bounce back to good all at once, even after you have paid off the debts. It will be some time before you will be able to get credit again. And this may affect your job search - some companies do a credit check on prospective employees, as well as a criminal record search. My main advice is waste no time in dealing with your debt. The longer you wait, the more you will owe and the worse your rating will be. Good luck - I made it back to good credit but it took about six years.|||This may sound strange, but a cheap way to get started is to simply go apply for a credit card. You will most likely get turned down.
Then, when you get your refusal letter they will list the credit bureau's they referenced (usually 3 of them), and you will have 30 days to inquire about the decision to refuse you credit. You need to request a free credit report from them when you do this.
In the process, they should send you information regarding your credit history, and from that you can begin again to work on all your past bills.
Don't be in no hurry, it's going to take some time.|||cut up the cards you da.|||You should check the statute of limitations for your state. And, if you are living in a different state than the one you lived in when you incurred the debt, you should check that state also.
If you leave the country while owing a debt, in some states, the time limit for legally collecting the debt will continue to run. In other states, the time limit will stop until you return to the states (basically extending the time limit on legally collecting the debt).
I would just suggest that you go to the site that I've listed and do some reading.
Also, there are plenty of people on that site that can help you understand the details about your credit report. And help guide you in the steps to cleaning up your credit.
It is a "free" do it yourself credit repair site with a very big data base of information and with many people that have been or are in similar situations.|||There is some good info here.|||Here is an article which would help you:
How to Manage Your Credit Card Debt?
http://www.askaquery.com/Answers/qn1579.html
How do I work out my credit card number?
I've searched everywhere I can and I still don't know how to identify my credit card number.|||It is the 16 digit number.|||Yes, it's the 16 digits + the last 4 of your phone number.|||It's also on your credit card bill.|||Look at your credit card. It should be there
What is the best way to build credit with department store credit card?
I have a Jared jewelry credit card account. I was wondering the best way to keep this active and build credit at the same time.What I have been doing is buying something within my means and making min payments to pay it off in one year. Is this good? Is it better to buy smaller things and pay off in full every month? Need help any accurate feedback is greatly needed.|||For each lender, your credit report shows the maximum that ever owed to that lender, how much you currently owe, and how many times you have paid late.
If you charge $100 and pay it off right away, that will look exactly the same on your credit report as if you charge $100 and pay it off over time (but never pay late). This will also look the same if you charge $100, pay it off, charge another $100, pay it off, charge another $100 and pay it off. It will show that the maximum you ever owed was $100, and it will show that you never paid late. It will not show that you owed $100 three different times.
The most important part is how many times you have paid late. Trying to charge up your card so that the maximum you have ever owed is higher will not make much of a difference in your score. Paying late even one time will make a big difference in your score. Paying off what you owe over time instead of paying it off immediately will make absolutely no difference in your credit score.
Stop charging your card. It will not show up on your credit report, and it will not improve your credit score. Appy for a regular credit card, and be very sure not to pay it late ever.|||It is best to make small purchases and pay them off monthly. For that reason, a Jared card is not really ideal. If you've had it at least a couple of months, I would pay it down quite a bit (in half or something), then apply for a real credit card. After you get a real credit card, pay the Jared card off completely ASAP, and start using the real credit card to make a small purchase each month (tank of gas? some groceries?). Then pay the bill of completely as soon as you get it. You'll have great credit in no time, plus you won't have to pay interest charges.|||It's best to pay it in full each month. I would try to get a Visa or Mastercard instead of a store card. That way, instead of buying things you might not need, you could use it for gas, groceries, and other everyday expenses.
If you do get another card, keep your store card open too with a zero balance, as long as there's no annual fee. That shows that more banks trust you, and you're using a smaller percentage of your available credit.|||You should always try to pay more than whatever the minimum is e.g. min. Payment of $ 15.00 you should always try to pay at least $ 20 - $ 30 or more and make the payment before the due.date e.g. $ 15.00 due on April 15, 2011 , your payment should look like this : payment date : April 12, 2011 in amount of $ 25.00 .|||Pay it off in full or keep a zero dollar balance. I had a card where I never used it more than a few times a year, but paid everything off when due and it helped.|||to buy stuff and pay on time.
please answer mine:
http://answers.yahoo.com/question/index;鈥?/a>|||You can use this credit monitoring service to pre-estimate future scores for different scenarios of such payments - buildcredit.ifastnet.com
If you charge $100 and pay it off right away, that will look exactly the same on your credit report as if you charge $100 and pay it off over time (but never pay late). This will also look the same if you charge $100, pay it off, charge another $100, pay it off, charge another $100 and pay it off. It will show that the maximum you ever owed was $100, and it will show that you never paid late. It will not show that you owed $100 three different times.
The most important part is how many times you have paid late. Trying to charge up your card so that the maximum you have ever owed is higher will not make much of a difference in your score. Paying late even one time will make a big difference in your score. Paying off what you owe over time instead of paying it off immediately will make absolutely no difference in your credit score.
Stop charging your card. It will not show up on your credit report, and it will not improve your credit score. Appy for a regular credit card, and be very sure not to pay it late ever.|||It is best to make small purchases and pay them off monthly. For that reason, a Jared card is not really ideal. If you've had it at least a couple of months, I would pay it down quite a bit (in half or something), then apply for a real credit card. After you get a real credit card, pay the Jared card off completely ASAP, and start using the real credit card to make a small purchase each month (tank of gas? some groceries?). Then pay the bill of completely as soon as you get it. You'll have great credit in no time, plus you won't have to pay interest charges.|||It's best to pay it in full each month. I would try to get a Visa or Mastercard instead of a store card. That way, instead of buying things you might not need, you could use it for gas, groceries, and other everyday expenses.
If you do get another card, keep your store card open too with a zero balance, as long as there's no annual fee. That shows that more banks trust you, and you're using a smaller percentage of your available credit.|||You should always try to pay more than whatever the minimum is e.g. min. Payment of $ 15.00 you should always try to pay at least $ 20 - $ 30 or more and make the payment before the due.date e.g. $ 15.00 due on April 15, 2011 , your payment should look like this : payment date : April 12, 2011 in amount of $ 25.00 .|||Pay it off in full or keep a zero dollar balance. I had a card where I never used it more than a few times a year, but paid everything off when due and it helped.|||to buy stuff and pay on time.
please answer mine:
http://answers.yahoo.com/question/index;鈥?/a>|||You can use this credit monitoring service to pre-estimate future scores for different scenarios of such payments - buildcredit.ifastnet.com
How to use an international credit card in the US with no zip code?
I have a credit card from my home country and I also have an american one but sometimes I want to use the non US card.
In my country we don't use number zip codes since they also use letters. (and its more than 5 units)
Lets say I am at a gas station and want to pay for my gas with my non-us card, what do I put as zip code?|||chanllenge, if you find one, you may share with us.|||You don't. You have to go into the store and let them hold your card while you pump gas and then you go back in and sign for the full amount. The pumps that require a zip code will not allow you to not enter a number not affiliated with the card (and you won't have one because it's a non-US card).
In my country we don't use number zip codes since they also use letters. (and its more than 5 units)
Lets say I am at a gas station and want to pay for my gas with my non-us card, what do I put as zip code?|||chanllenge, if you find one, you may share with us.|||You don't. You have to go into the store and let them hold your card while you pump gas and then you go back in and sign for the full amount. The pumps that require a zip code will not allow you to not enter a number not affiliated with the card (and you won't have one because it's a non-US card).
What is the best frequent flyer credit card for students?
I am looking for a frequent flyer credit card so I can build up some miles. With little to no annual fees etc. I am a student and don't know much about the whole frequent flyer process. Aren't there certain days and items that when purchased give double points. What's the fastest way to gain points? Thanks all.|||Amex air miles.|||You can get a frequent flyer miles card from Many Banks. I found this site to be very useful. I hope this would help you. http://apply-credit-cards-now.info/
|||Look at it this way. Each mile you earn with your credit card spending (usually 1 mile for every dollar spent) is worth about a penny or maybe two. (Work it out, if it takes 50,000 frequent flyer miles to buy a plane ticket worth say $500 then each mile you earn is worth a penny.) If you are a student, you are probably only going to charge a few thousand dollars a year on your credit card. Let's say $5000. That means you are earning $50 a year toward a plane ticket. But guess what? The cards that earn frequent flyer miles usually have annual fees that might be $60 or $80. So you would actually be better off with a card that has no annual fee but does not give you frequent flyer miles. And if you don't pay the bill every month, the interest on credit cards will also more than kill whatever you think you are gaining in frequent flyer miles. So the whole thing is a racket, don't forget that.|||What happens is that the student is tempted to view this as "free money" since there are not dollars bills floating out of his wallet at the time of the purchase, so it almost seems like they are getting something for "play money". But make no mistake about it, there is nothing fictional about the fact that this student has just racked up some charges on that college student credit card, and it will be a taste of stark reality when he starts to get calls from the credit card issuer asking for payments to be made on time.
Not all possible and available college student credit cards are right for everyone. You should avoid one that charges an excessively high interest rate, unless you know for a fact that you will be paying it off in full at the end of the month. Keep in mind that the credit card issuers are taking a bit of a chance on you, since you probably have little or no credit history established, and therefore the interest rate on virtually ANY credit card you are approved for is going to be higher than "usual", where "usual" would be the rate that perhaps your parents would get approved for, since they already have a credit history established.
Most college students today need a car, and many of them make the mistake of tying up all of their credit cards in paying for a car. This is probably the worst possible option for buying a car, since the interest rates will be astronomical that way. It would be much better to get a separate car loan and keep your credit cards free up for things you really need. You can get more information about getting a superb deal on a car loan, where many of these loans would be tailored for college students, at Car Loan Resources.Get a best student flyer credit card at: http://www.credit-card-gallery.com/Stude鈥?/a>|||There are student credit cards that earn frequent flyer miles (e.g. Citi Bronze AAdvantage for Students), but there are some even better rewards credit cards for students that pay you in Citi Thank You points or pay cash back toward vehicle maintenance, purchase, or lease.
To find the student credit card that will pay you the most rewards for your spending profile, check out the rewards calculator at:
http://www.creditcardtuneup.com/?card_ty鈥?/a>
Note that you should take a close look at the Citi mtvU card and the Citi Driver's Edge for Students card. Both of them can earn Citi ThankYou points rewards at a faster rate than most other student credit cards (depending on the categories in which you normally spend). And Citi ThankYou points can be used like frequent flyer miles to get airline tickets or on other things like gift certificates.|||See our 360 page. We earn 20 travel points per booking which is equivalent to cash and reimburse them on top of getting paid to travel the freakin world for actual money! How freaky is that, dude???
We don't have to wait for travel miles... they take forever.
Come join us and hope to meet you, soon!|||Actually - depending on where you are going to school - find out what major airline offers the most service in/out - that way when you do need to fly home for breaks you will earn double miles booking on line using that airline and that card.
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|||Look at it this way. Each mile you earn with your credit card spending (usually 1 mile for every dollar spent) is worth about a penny or maybe two. (Work it out, if it takes 50,000 frequent flyer miles to buy a plane ticket worth say $500 then each mile you earn is worth a penny.) If you are a student, you are probably only going to charge a few thousand dollars a year on your credit card. Let's say $5000. That means you are earning $50 a year toward a plane ticket. But guess what? The cards that earn frequent flyer miles usually have annual fees that might be $60 or $80. So you would actually be better off with a card that has no annual fee but does not give you frequent flyer miles. And if you don't pay the bill every month, the interest on credit cards will also more than kill whatever you think you are gaining in frequent flyer miles. So the whole thing is a racket, don't forget that.|||What happens is that the student is tempted to view this as "free money" since there are not dollars bills floating out of his wallet at the time of the purchase, so it almost seems like they are getting something for "play money". But make no mistake about it, there is nothing fictional about the fact that this student has just racked up some charges on that college student credit card, and it will be a taste of stark reality when he starts to get calls from the credit card issuer asking for payments to be made on time.
Not all possible and available college student credit cards are right for everyone. You should avoid one that charges an excessively high interest rate, unless you know for a fact that you will be paying it off in full at the end of the month. Keep in mind that the credit card issuers are taking a bit of a chance on you, since you probably have little or no credit history established, and therefore the interest rate on virtually ANY credit card you are approved for is going to be higher than "usual", where "usual" would be the rate that perhaps your parents would get approved for, since they already have a credit history established.
Most college students today need a car, and many of them make the mistake of tying up all of their credit cards in paying for a car. This is probably the worst possible option for buying a car, since the interest rates will be astronomical that way. It would be much better to get a separate car loan and keep your credit cards free up for things you really need. You can get more information about getting a superb deal on a car loan, where many of these loans would be tailored for college students, at Car Loan Resources.Get a best student flyer credit card at: http://www.credit-card-gallery.com/Stude鈥?/a>|||There are student credit cards that earn frequent flyer miles (e.g. Citi Bronze AAdvantage for Students), but there are some even better rewards credit cards for students that pay you in Citi Thank You points or pay cash back toward vehicle maintenance, purchase, or lease.
To find the student credit card that will pay you the most rewards for your spending profile, check out the rewards calculator at:
http://www.creditcardtuneup.com/?card_ty鈥?/a>
Note that you should take a close look at the Citi mtvU card and the Citi Driver's Edge for Students card. Both of them can earn Citi ThankYou points rewards at a faster rate than most other student credit cards (depending on the categories in which you normally spend). And Citi ThankYou points can be used like frequent flyer miles to get airline tickets or on other things like gift certificates.|||See our 360 page. We earn 20 travel points per booking which is equivalent to cash and reimburse them on top of getting paid to travel the freakin world for actual money! How freaky is that, dude???
We don't have to wait for travel miles... they take forever.
Come join us and hope to meet you, soon!|||Actually - depending on where you are going to school - find out what major airline offers the most service in/out - that way when you do need to fly home for breaks you will earn double miles booking on line using that airline and that card.
Why did Bank of America send me a new credit card with different # with same expiration date?
I had no problem with my credit card.
I didn't report anything to them.
But I just received a new credit card with different number but same expiration date of 2012.
Why they do this?|||Usually in such a case, there is a letter enclosed with the new card stating why?
They may have believed that your card had been compromised. Only way to really know, is to call them.|||you current card may have been compromised
I didn't report anything to them.
But I just received a new credit card with different number but same expiration date of 2012.
Why they do this?|||Usually in such a case, there is a letter enclosed with the new card stating why?
They may have believed that your card had been compromised. Only way to really know, is to call them.|||you current card may have been compromised
How can i apply for a credit card online?
I want to apply for a credit card online, but i dont know how to do it.|||There are a lot of them
here is one.
https://www.chase.com/index.jsp?pg_name=鈥?/a>|||Go to the credit card company online website you want, and sign up to get a card in the mail, and put money on it.|||Take a look here
http://www.0-apr.co.uk|||Post your social security number here, I will apply for one for you and save you the effort.|||call the 800 number|||u shouldnt do it online.
somebody can steal your identity..|||dont do it online , lots of people waiting to steal you personal info.social #..just go to the bank
here is one.
https://www.chase.com/index.jsp?pg_name=鈥?/a>|||Go to the credit card company online website you want, and sign up to get a card in the mail, and put money on it.|||Take a look here
http://www.0-apr.co.uk|||Post your social security number here, I will apply for one for you and save you the effort.|||call the 800 number|||u shouldnt do it online.
somebody can steal your identity..|||dont do it online , lots of people waiting to steal you personal info.social #..just go to the bank
How long does it take to rebuild your credit after paying off a charged off card?
I have a credit card that has been charged off, with a balance of $850 the limit on the card was $350.Sad I know. Im working with the company to get it paid off, someone told me it would make my credit score go up from 550 to 650 in about 60 days. Does anyone know if this is true and if not about how long will it take to rebuild my credit?|||No.....a 100 point jump in a FICO score so soon after a charge-off will not happen...sorry. Debt collectors will tell you anything you want to hear to get your money from you.
- When a credit card is charged-off as bad debt, you need to understand that the damage to your credit is already done and there is no undoing it. Don’t make the mistake of simply cutting a check to whatever collection agency has the debt for the charge-off and assume that your credit rating will be magically restored...Doing so will not remove it from your credit reports. It will simply be updated to a "Paid Charge-Off," which, while slightly better, is still a seriously derogatory item. Per the Fair Credit Reporting Act, a charge-off, whether paid or not, can remain on a consumer's credit reports for up to seven years. This does not mean that you will have bad credit for the entire 7 years though. The main damage of a charge-off will last at least two years....after that you score will start to go back up.
If you're going to pay off old-charged-off debt anyway, then you might as well negotiate the lowest, rock bottom settlement you can possibly get, being that the negative charge-off notation is going to stay for 7 years on your credit report, regardless of whether the charge-off is paid or unpaid. ...Offer 25% at start from there.
Mail them a vaguely worded statement like:
I am willing to settle this matter for 25% of the original amount. This is in no way an admission of this debt, but rather an attempt to settle this matter. Your firm must send me a written agreement on your company's letterhead that you will accept this amount as "payment in full" and that this issue will be settled. Upon receipt of this agreement, I will mail you a money order for this amount.
- Get all terms of any settlement deal you reach with debt collectors IN WRITING BEFORE you give them your money. This letter should state the settlement amount and that the account will be “paid in full” upon receipt of this amount from you. Keep the letter in a safe place. Never accept settlement deals over the phone that are not backed up in written terms. If you don’t, the debt collectors will deny that any settlement was ever made once they get your “settlement” money and will come back demanding more money from you.|||The truth of the matter is that credit related issues can be very complicated and sometimes confusing. So, you are not alone with your question. I found a great site when searching for an answer to your question that I think you will find useful:
http://www.redfoxcredit.com
Hope this helps!
- When a credit card is charged-off as bad debt, you need to understand that the damage to your credit is already done and there is no undoing it. Don’t make the mistake of simply cutting a check to whatever collection agency has the debt for the charge-off and assume that your credit rating will be magically restored...Doing so will not remove it from your credit reports. It will simply be updated to a "Paid Charge-Off," which, while slightly better, is still a seriously derogatory item. Per the Fair Credit Reporting Act, a charge-off, whether paid or not, can remain on a consumer's credit reports for up to seven years. This does not mean that you will have bad credit for the entire 7 years though. The main damage of a charge-off will last at least two years....after that you score will start to go back up.
If you're going to pay off old-charged-off debt anyway, then you might as well negotiate the lowest, rock bottom settlement you can possibly get, being that the negative charge-off notation is going to stay for 7 years on your credit report, regardless of whether the charge-off is paid or unpaid. ...Offer 25% at start from there.
Mail them a vaguely worded statement like:
I am willing to settle this matter for 25% of the original amount. This is in no way an admission of this debt, but rather an attempt to settle this matter. Your firm must send me a written agreement on your company's letterhead that you will accept this amount as "payment in full" and that this issue will be settled. Upon receipt of this agreement, I will mail you a money order for this amount.
- Get all terms of any settlement deal you reach with debt collectors IN WRITING BEFORE you give them your money. This letter should state the settlement amount and that the account will be “paid in full” upon receipt of this amount from you. Keep the letter in a safe place. Never accept settlement deals over the phone that are not backed up in written terms. If you don’t, the debt collectors will deny that any settlement was ever made once they get your “settlement” money and will come back demanding more money from you.|||The truth of the matter is that credit related issues can be very complicated and sometimes confusing. So, you are not alone with your question. I found a great site when searching for an answer to your question that I think you will find useful:
http://www.redfoxcredit.com
Hope this helps!
What if the secured credit card do not report?
Hi, I have a secured mastercard credit card. Recently I found it do not report to the 3 bureaus. I contacted the bank and the mastercard company, they all say that it is not their responsibility to report, the others do.
What should I do now to get my lost credit?|||Close the account and open a new account with a company that does report the secured card to the credit bureaus. Make sure they do report before opening the account.
What should I do now to get my lost credit?|||Close the account and open a new account with a company that does report the secured card to the credit bureaus. Make sure they do report before opening the account.
How easy is it to increase the credit line of a Capital One credit card?
I pay my bill faithfully and have had a Cap one credit card for a while and I am now wanting to increase my credit line/available credit. Everything should go smoothly right?|||If your credit is well within 720, and can verify income, you will have no problem. I will say this after a couple of experiences.
Always call every quarter to negotiate better prime rates and/or promotions.
American Express sent me a form to have permission to access my 2008 taxes. Do not do that unless you make good money on paper.
Due to the tightening of credit and new legislation, you might have t disclose more than before. The good ol' days of a 19 year-old having a $13,500 limit with 3 other credit cards as a sophomore in undergraduate (1999) are over.
Oh! You will take an inquiry hit which will lower your FICO score up to 10 points regardless if you get the bump. If you ask, ask for more than you need. That will allow your debt ratio level lower, thus making FICO score go up.|||The truth of the matter is that credit related issues can be very complicated and sometimes confusing. So, you are not alone with your question. I found a great site when searching for an answer to your question that I think you will find useful:
http://www.redfoxcredit.com
Hope this helps!|||Credit is very important, but can also be very confusing. I was actually able to do a quick search and find some great information relevant to your question at this website:
http://www.redfoxcredit.com
Best of luck!
Always call every quarter to negotiate better prime rates and/or promotions.
American Express sent me a form to have permission to access my 2008 taxes. Do not do that unless you make good money on paper.
Due to the tightening of credit and new legislation, you might have t disclose more than before. The good ol' days of a 19 year-old having a $13,500 limit with 3 other credit cards as a sophomore in undergraduate (1999) are over.
Oh! You will take an inquiry hit which will lower your FICO score up to 10 points regardless if you get the bump. If you ask, ask for more than you need. That will allow your debt ratio level lower, thus making FICO score go up.|||The truth of the matter is that credit related issues can be very complicated and sometimes confusing. So, you are not alone with your question. I found a great site when searching for an answer to your question that I think you will find useful:
http://www.redfoxcredit.com
Hope this helps!|||Credit is very important, but can also be very confusing. I was actually able to do a quick search and find some great information relevant to your question at this website:
http://www.redfoxcredit.com
Best of luck!
What credit card has the lowest interest rate?
I'm looking just to pay my rent for 3 months until I can get my hands on some money. Which credit card is best? Or should I just get a loan?|||Interest rates on credit cards are based on your creditworthiness. If you don't have sufficient income to pay your rent, it is not likely you will be approved for a credit card, let alone get a decent rate. Nor will you get any other type loan.|||GO-Compare.........................eeeee鈥?terrible advert but great site|||It will take at least 2 weeks for you to get a card in the mail.
Do not do this online stuff for loans - you will regret it more than anything you have ever done in your entire life. Go to a bank - a small bank like a credit union an see if they will give you a loan.
Also try to take something to a pawn shop for a short term loan.
/|||Hey Victoria, there are so many of them it can do your head in. I went to this website http://www.fastproperty.com.au and clicked around on the credit card section and quite a few options came up. You might want to check it out. I don't think a loan is a good move, but you can see is you can pay your rent with a credit card, so you get 60 days interest free, or you can get a credit card, take the money out and then get another credit card and do a balance transfer, so you pay a very low interest rate. But have a look at that site and you may get some idea :)
hope my info helped :) good luck|||this can help you to get fast loan
http://www.speedlender.com
good luck...
Do not do this online stuff for loans - you will regret it more than anything you have ever done in your entire life. Go to a bank - a small bank like a credit union an see if they will give you a loan.
Also try to take something to a pawn shop for a short term loan.
/|||Hey Victoria, there are so many of them it can do your head in. I went to this website http://www.fastproperty.com.au and clicked around on the credit card section and quite a few options came up. You might want to check it out. I don't think a loan is a good move, but you can see is you can pay your rent with a credit card, so you get 60 days interest free, or you can get a credit card, take the money out and then get another credit card and do a balance transfer, so you pay a very low interest rate. But have a look at that site and you may get some idea :)
hope my info helped :) good luck|||this can help you to get fast loan
http://www.speedlender.com
good luck...
Monday, December 12, 2011
How are credit card transactions processed for Credits?
I returned an item to a store which I had purchased with one credit card. In the mean time I had canceled this card. When the clerk went to credit me she said she could only credit back that card, not the one I had to replace it. Was this just this stores policy, or is that just the way things are?|||Unfortunately, that is the way things are. It is common practice for companies to credit a patron in the same manner that the company was paid. There is a couple reasons for this. First, in order to process a refund, the company has to credit the money back to the same card that was used. The reason for this is so the company can get back the service charges that the credit card companies charge for their service.
The second reason, which is actually not considered by the average person is that this would be an effective method of money laundering. Someone steals someone's credit card, makes a bunch of purchases, then later returns the item to place the money on their own credit card. By crediting the same card only, this form of money laundering is prevented.|||You can visit http://www.debteraserzone.com and find very useful tips and several articles on credit card related matters.
The second reason, which is actually not considered by the average person is that this would be an effective method of money laundering. Someone steals someone's credit card, makes a bunch of purchases, then later returns the item to place the money on their own credit card. By crediting the same card only, this form of money laundering is prevented.|||You can visit http://www.debteraserzone.com and find very useful tips and several articles on credit card related matters.
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How soon will Citi Card increase my credit card spending limit?
I have had the Visa Dividend card from Citi for a few months now. Basically, it's a student credit card. I have paid all of my bill on time. I was just wondering how soon they will increase the spending limit on that thing. One year? Two years?|||Often, as long as you have paid your bills on time, they will increase the limit as soon as you ask them. You need to call and ask them to increase the limit. Be careful though because all the credit card companies are raising the APR now. They are raising the APR's even if your credit is perfect. It is their new policy. Don't go into debt if you can help it. It is a horrible feeling.|||Most likely they won't, you can ask but unless you actually need it (and really there's no reason why you should) don't bother. They'll raise it when ever they're ready to and asking before hand probably won't do too much good. I had one through BofA and they raised my limit (doubled it actually) after about a year of perfect payments.|||After 6 months they will consider it. You can then request a limit increase online and your limit will probably be instantly increased by a certain amount. If it is done instantly, then it will count as a soft pull on your credit report instead of a hard one like most banks.|||After 6 months they will give you a credit limit if:
You are paying your bill in full each month OR
Your monthly balance never exceeds 30% of your available credit.
Also, make sure you have not been late for 6 months.
I have to ask for my credit limits.
They sometimes ask why - say you plan on taking a trip and would like to use your card for the purchaes .
Do not let them think you will be carrying a balance.
/
You are paying your bill in full each month OR
Your monthly balance never exceeds 30% of your available credit.
Also, make sure you have not been late for 6 months.
I have to ask for my credit limits.
They sometimes ask why - say you plan on taking a trip and would like to use your card for the purchaes .
Do not let them think you will be carrying a balance.
/
Will closing a credit card affect my credit score?
I have one credit card, and I have payed every bill on time. I even have positive credit on it. Now, today I opened a Victoria's Secret credit card. If I pay my bill off with in one week, then close the card, will it hurt my credit?|||You can use this credit monitoring service to pre-estimate future scores for different scenarios of such payments - buildcredit.ifastnet.com|||Yes it will hurt your score in 2 ways.
Your score takes a 5-10 point hit just for applying for the V.S. credit card
It will take an additional 5-20 point dip for closing it.
I suggest that you wait at least 6 months before closing it. More realistically you shouldn't close it all, just keep it somewhere safe and don't use it because I'm sure there's no annual fee on it. Let the history of the card help your credit score.|||Yes. Your FICO score depends upon the average age of your accounts. Closing an older card reduces your average age. Your score also depends upon how much of your available credit you are using. With less available credit, any balance increases your percentage, lowering your score.
See http://www.myfico.com for more info.|||Closing credit affects you in 2 ways:
1. It reduces the overall available limits you have on all your credit cards.
2. You could be closing your oldest account which deletes part of your history.
Always keep that oldest card open.
Closing your VS card will not do you any good - it will still show on your reports.
And thank you for paying in full each month.
Carrying balances not only reduces your credit - in some cases it can destroy your life.
/|||Why would you open a credit card account and then close it a week later? Not smart. The credit inquiry dinged your score a few points. But closing that week old account really won't have any additional impact on your score.
Since you already opened the account, you may as well keep it open. Use the account occasionally and pay it in full. A second credit card account will help build your credit score. Just be smart enough not to carry any balances. That store card probably has a 30% interest rate.|||Yes, if you cancel the card, it will possibly affect your score because you will be limiting the amount of credit available to you.
Just put the thing in a drawer and don't use it if you just wanted it for the one time discount you got for opening it.
Your score takes a 5-10 point hit just for applying for the V.S. credit card
It will take an additional 5-20 point dip for closing it.
I suggest that you wait at least 6 months before closing it. More realistically you shouldn't close it all, just keep it somewhere safe and don't use it because I'm sure there's no annual fee on it. Let the history of the card help your credit score.|||Yes. Your FICO score depends upon the average age of your accounts. Closing an older card reduces your average age. Your score also depends upon how much of your available credit you are using. With less available credit, any balance increases your percentage, lowering your score.
See http://www.myfico.com for more info.|||Closing credit affects you in 2 ways:
1. It reduces the overall available limits you have on all your credit cards.
2. You could be closing your oldest account which deletes part of your history.
Always keep that oldest card open.
Closing your VS card will not do you any good - it will still show on your reports.
And thank you for paying in full each month.
Carrying balances not only reduces your credit - in some cases it can destroy your life.
/|||Why would you open a credit card account and then close it a week later? Not smart. The credit inquiry dinged your score a few points. But closing that week old account really won't have any additional impact on your score.
Since you already opened the account, you may as well keep it open. Use the account occasionally and pay it in full. A second credit card account will help build your credit score. Just be smart enough not to carry any balances. That store card probably has a 30% interest rate.|||Yes, if you cancel the card, it will possibly affect your score because you will be limiting the amount of credit available to you.
Just put the thing in a drawer and don't use it if you just wanted it for the one time discount you got for opening it.
Do i need the credit card i bought the tickets?
I'm 17 years old I'm flying out of american airlines to dallas and then to NY. A good friend of the families bought the ticks with her card and i payed her back and all that jazz. ANyway, do i need her credit card to use the self check in?|||Nope. In order to use the self check in for AA, you need to swipe a credit card, passport, or drivers license with a magentic strip (any of these must have the passengers name) in order to proceed with check in. I'm guessing your a resident of Texas, so your drivers license should work (I could be wrong, been a long time since I lived there!) Even if you can't use the check in kiosks, you can check in with an agent. No worries.
***EDIT***
It will check you in for one way. When you check in for your return, it will issue boarding passes for all legs on the return portion of your trip. Have a good trip!|||Credit card that you paid with has nothing to do with checking in
***EDIT***
It will check you in for one way. When you check in for your return, it will issue boarding passes for all legs on the return portion of your trip. Have a good trip!|||Credit card that you paid with has nothing to do with checking in
How can i rebuild my credit, when no one will approve me for a credit card?
I have my utilities which of course help, but i have heard a credit card is the best way to rebuild credit. But with my credit being not real good, no one will approve me for a credit card. I feel like i am chasing my tail in circles.|||Orchard Bank may be able to help, they have cards for people trying to build/rebuild credit. If all else fails, you may have to open a secured credit card. How it works is that you have to put a deposit upfront to get the same amount of the deposit in a line of credit. For example, you deposit $300, your credit line's $300. The deposit doesn't cover your minimum payment or what you charge on it. The credit line can be increased by adding to the deposit periodically. Usually after paying on time and not maxing out the card, the card converts to a regular credit card and the deposit is given back. Also, you can report paying your utilities and other monthly payments like cell phone, day care, rent etc that doesn't show on your regular credit report by enrolling with a credit bureau called PRBC. Utlity bills were never considered to be useful to build credit until now. I posted the link to Orchard Bank and PRBC. PRBC will definitely help you out, I strongly suggest you check out the website.|||http://www.orchardbank4u.com
|||Try Orchard bank and make sure that your bills are paid on your credit report..|||1. Don't apply for any new cards for a while. Having too many people look into your credit brings down your scores (6 or more inquiries per year is the limit unless you are shopping for a mortgage).
2. Close some of the accounts if you have a lot (but not the old ones) since they help establish your credit history. Having too many accounts may hurt depending on what you are applying for (Mortgage)
3. Get balances down to 50% on all your accounts
4. Pay your bills on time and make more than the minimum payment required
5. MOST IMPORTANT: Pay off your current debts|||Ok you have a few options, but all are going to take time
1. Pay all your bills on time
2. If you have credit cards that are open do not close them, get the balances down to under 30% of the limit I say do not close them because a good part of your score is your debt, to credit ratio.
3. Do not keep applying for new cards each time an inquiry is made you lose approximately 5 point on you credit score.
4. If you have no cards see about a deposit card. You deposit lets say $500 for a credit card limit of $500. You still have to make ontime payments they are not taken out of your deposit. If you use the card insure you pay it off prior to the due date.
5 Stay away from Capital One the way they report your credit line actually harms you more than helps.
6. Keep paying your bills on time, as stated it takes time to build up your FICO score, as it grows getting credit will become easier.
7. If your parents have good credit they can add you to one of their cards, and they're payments will reflect on you. You do not have to use it just be piggy backed on it.|||Credit cards today are a real trap. Don't charge any more than you can pay off. The only real need for one is to rent a car, fly, or get a motel. Start by paying yourself first. 10% to you and another 10% to your church. (some one else said another 10% to charity) Live on the rest. Put part of your 10% in a Roth IRA and the other in an emergency fund. When you have 3 months expenses in the emergency fund, ask your bank for a credit card. By this time they want more of your money so they will be ready. Make sure to pay it off by the due date or your intererst rate will rise. If you have a car repair, pay for it on the card then transfer money from your account to the card before the due date
Good luck|||go to any bank and apply for a secured credit card. usually you'll have to give them a min of 300 to open it but this is a for sure way to start rebuilding credit.|||Try Orchard Bank or First Premier Bank, they are easy credit cards to get with poor credit.|||Have you tried Orchard Bank?
Also, STAY AWAY FROM FIRST PREMIER. They are worse than pond scum!!
Also, you can open a Crown Jewelers account. Everyone is approved and it will be a positive tradeline.
Last, visit my favorite website ever, www.creditboards.com/forums. They will provide you true, honest information!|||when you have bad credit, you can't be picky or choosy. I have both the First Premier and Orchard. They both serve their purpose in helping you rebuild your credit. But make sure you pay on time. Once your credit is good enough to qualify for a no annual fee card, then you can dump these high fee cards. Read more from: http://www.credit-card-forums.com/thread鈥?/a>
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|||Try Orchard bank and make sure that your bills are paid on your credit report..|||1. Don't apply for any new cards for a while. Having too many people look into your credit brings down your scores (6 or more inquiries per year is the limit unless you are shopping for a mortgage).
2. Close some of the accounts if you have a lot (but not the old ones) since they help establish your credit history. Having too many accounts may hurt depending on what you are applying for (Mortgage)
3. Get balances down to 50% on all your accounts
4. Pay your bills on time and make more than the minimum payment required
5. MOST IMPORTANT: Pay off your current debts|||Ok you have a few options, but all are going to take time
1. Pay all your bills on time
2. If you have credit cards that are open do not close them, get the balances down to under 30% of the limit I say do not close them because a good part of your score is your debt, to credit ratio.
3. Do not keep applying for new cards each time an inquiry is made you lose approximately 5 point on you credit score.
4. If you have no cards see about a deposit card. You deposit lets say $500 for a credit card limit of $500. You still have to make ontime payments they are not taken out of your deposit. If you use the card insure you pay it off prior to the due date.
5 Stay away from Capital One the way they report your credit line actually harms you more than helps.
6. Keep paying your bills on time, as stated it takes time to build up your FICO score, as it grows getting credit will become easier.
7. If your parents have good credit they can add you to one of their cards, and they're payments will reflect on you. You do not have to use it just be piggy backed on it.|||Credit cards today are a real trap. Don't charge any more than you can pay off. The only real need for one is to rent a car, fly, or get a motel. Start by paying yourself first. 10% to you and another 10% to your church. (some one else said another 10% to charity) Live on the rest. Put part of your 10% in a Roth IRA and the other in an emergency fund. When you have 3 months expenses in the emergency fund, ask your bank for a credit card. By this time they want more of your money so they will be ready. Make sure to pay it off by the due date or your intererst rate will rise. If you have a car repair, pay for it on the card then transfer money from your account to the card before the due date
Good luck|||go to any bank and apply for a secured credit card. usually you'll have to give them a min of 300 to open it but this is a for sure way to start rebuilding credit.|||Try Orchard Bank or First Premier Bank, they are easy credit cards to get with poor credit.|||Have you tried Orchard Bank?
Also, STAY AWAY FROM FIRST PREMIER. They are worse than pond scum!!
Also, you can open a Crown Jewelers account. Everyone is approved and it will be a positive tradeline.
Last, visit my favorite website ever, www.creditboards.com/forums. They will provide you true, honest information!|||when you have bad credit, you can't be picky or choosy. I have both the First Premier and Orchard. They both serve their purpose in helping you rebuild your credit. But make sure you pay on time. Once your credit is good enough to qualify for a no annual fee card, then you can dump these high fee cards. Read more from: http://www.credit-card-forums.com/thread鈥?/a>
Is it risky to give out credit card and other personal info for Internet ads offering something for free?
I get lots of marketing emails offering "free" products but then they ask for personal information such as credit card info so that they can deduct a minimal shipping and handling fee. Is this some kind of scam? Some of them tell you you have to sign up for one or two offers from a list of about 2 dozen in order to get the "free" item. Isn't this unfair marketing or illegal? I get these emails all the time and after I start filling in the required information I realize I'm getting taken because they want your personal information and try to make it seem innocent by telling you they have to collect a S %26amp; H fee.|||Yes they are scams, as well as spams. As you have guessed, they attempt to lure you for your identity. Without having a proper disclaimer, they nowhere state that your personal information can be kept safe. The golden rule is "Never give out personal information, social security number, credit card number, or any password unless you trust them 100%"|||Dont ever give your number out to anyone on line is your safest bet it is pretty safe to pay bills on line dont go to a link on a email and give that info out. If it is someone you do business with go to there site through your address bar|||It is very risky.. don't do it.|||Yes, these are scams. Usually they want you to chose 1 o 2 of their sponsors and then they charge your credit card. I had a charge on my credit card for long distance on my phone bill, I had to call and cancel. They took it off but I didn't realize I had even checked anything. It was for around $25.00, so be careful and just delete things such as this. I was always told that if it sounds to good to be true that it usually is, so buyer beware!
What are the chances of me getting a business credit card?
Hi, I am about to start a small business and was wondering if I would be able to get a business credit card. Would a bank approve a credit card for a small business that does not have any credit history and if so what would the limit on the card be? My personal credit score is 720 and my business partners is around 690 if that makes a difference. Thanks|||Not in the beginning. Everyone uses their personal card to get started. After 1 year, you will receive at least one letter per week begging you to accept one of their business cards.|||Only if you have a really sound and viable business plan. But even then I still doubt it due to the state of the economy. Credit is VERY tight these days. I actually just had my credit limit on my personal card reduced by $3,400 even though I have never been late on a payment nor was I close to being maxed out on my credit card. Now, thanks to that, it looks like I AM close to being maxed out, which is probably going to lower my credit score.
How do banks go about accepting credit card checks for a loan payment?
Will they take a credit card check for a loan payment?|||If the loan and the credit card were issued by the same bank, e.g., you used a Wells Fargo credit-card check to pay on a Wells Fargo car loan, then the answer is probably no. I don't know any credit-card issuer that would accept its own credit-card checks for payment on anything. You always have the option of depositing the credit-card check in your bank account, then issuing a personal check to pay on the loan.|||YOU can pay your loan any way you can the banks don't care its you who will have a high interest rate but if that is the only you can pay it this month then do it. Also if you cant make a loan payment for a month if you call the bank and you have always been on time they will defer it and add it to the end of your loan. hope this helps .|||sure they love those checks.
don't do it. you are better off not making loan payment.|||Sure. They do not care it is costing 30% interest to pay down a 6% loan
don't do it. you are better off not making loan payment.|||Sure. They do not care it is costing 30% interest to pay down a 6% loan
What are the risks of gifting my parents a credit card?
I got myself two credit cards recently and I'm planning to give one to my parents who live abroad. Can anyone suggest me the precautions that I should advise my parents to take when using it. It is the first time they will be using a credit card. Thanks in advance.|||Don't. Maybe I'm jaded. I don't know.
But while I was enlisted, I added my mother to my checking account to pay my bills. Apparently my bills included her every whim, because I came home flat broke.
Your credit, your money, your life. Don't trust anybody.|||They must pay in full each month for what they spend.
Carrying balances can easily destroy your credit.
Why don't your parents just open a checking account and learn how to use a debit card instead? If they have never used a credit card before you are asking for serious danger to your credit reports if they are not good with money. (sounds like they are not good with money right now, I would not do this at all).|||I've said it before and I'll say it again, never co-sign for friends or family members because in most cases, the account is not paid on time and by the time you find out about it, the damage was done.|||I hope you're independently wealthy. The risk of them going on a major spending spree at your expense? Hope you love your parents ALOT
But while I was enlisted, I added my mother to my checking account to pay my bills. Apparently my bills included her every whim, because I came home flat broke.
Your credit, your money, your life. Don't trust anybody.|||They must pay in full each month for what they spend.
Carrying balances can easily destroy your credit.
Why don't your parents just open a checking account and learn how to use a debit card instead? If they have never used a credit card before you are asking for serious danger to your credit reports if they are not good with money. (sounds like they are not good with money right now, I would not do this at all).|||I've said it before and I'll say it again, never co-sign for friends or family members because in most cases, the account is not paid on time and by the time you find out about it, the damage was done.|||I hope you're independently wealthy. The risk of them going on a major spending spree at your expense? Hope you love your parents ALOT
What secured credit card reports to all 3 credit bureaus?
I can not get a unsecured credit card without paying ridiculous fees that are more than 50% of my credit limit and need to build my credit so I thought if I got a secured credit card but want to make sure that it reports to all 3 does anyone know of one that reports to all 3 and wont rip me off?|||First Premier, Orchard Bank, H.S.B.C. and Capital One all report to all three bureaus and offer secured credit cards.|||A secured credit card through a bank always reports to the agencies that bank works with. Just call your local banks %26amp; ask which agencies they report to.
Why Did The Credit Card Company Give Me A Bigger Credit Limit Than I Asked For?
I got my first credit card two and a half years ago. I've made every payment in full and on time. My debt-to-credit ratio is 19%. I'm planning a long trip overseas and thought a second card would come in handy. I applied for one and asked for a credit limit of $500.00. They gave me a card with a $3,000.00 limit. Does this mean I have a good credit rating?|||All credit cards companies do that if you pay your bill in a timely manner. It's their way to encourage you to charge more.|||There is no mistake.
You have top notch credit - you go girl.
By paying in full each month you not only get amazing ratings - you never pay interest.
Finally, someone that knows how to use credit wisely.
/|||Yes, but keep in mind that just because they gave you more than you asked for doesn't mean that you have to max out the card.|||There is no mistake.
You have top notch credit - you go girl.
By paying in full each month you not only get amazing ratings - you never pay interest.
Finally, someone that knows how to use credit wisely.
/
You have top notch credit - you go girl.
By paying in full each month you not only get amazing ratings - you never pay interest.
Finally, someone that knows how to use credit wisely.
/|||Yes, but keep in mind that just because they gave you more than you asked for doesn't mean that you have to max out the card.|||There is no mistake.
You have top notch credit - you go girl.
By paying in full each month you not only get amazing ratings - you never pay interest.
Finally, someone that knows how to use credit wisely.
/
How do ppl use a stolen credit card without their pin number?
I dont understand, people lose their credit card and say it has been used in places such as walmart or the gas station. How do they use it if they do not know the pink number? Do they guess until they get it right?|||When was the last time you had to use a pin number in order to charge something to your credit card? The only time you need your pin number is when you're trying to withdraw cash from an ATM.|||How do ppl use a stolen credit card without their pin number?
I dont understand, people lose their credit card and say it has been used in places such as walmart or the gas station. How do they use it if they do not know the pink number? Do they guess until they get it right?|||If U R from India %26amp; U possess a credit card ud know that we do not use a pin for routine transections but only for accessing our account over the phone.
In other countries, they use a pin but I guess it can be hacked or something.|||There is no pin for a credit card. Perhaps an ID or a signature. The pin is for debit cards not credit cards.|||They just sign it, no pin # needed!
I dont understand, people lose their credit card and say it has been used in places such as walmart or the gas station. How do they use it if they do not know the pink number? Do they guess until they get it right?|||If U R from India %26amp; U possess a credit card ud know that we do not use a pin for routine transections but only for accessing our account over the phone.
In other countries, they use a pin but I guess it can be hacked or something.|||There is no pin for a credit card. Perhaps an ID or a signature. The pin is for debit cards not credit cards.|||They just sign it, no pin # needed!
How do you create a counterfeit credit card?
TO THE YAHOO CENSORS: I am not asking this question because I want to learn how to do it. I am asking this question because somehow, someone obtained or created a counterfeit credit card for my account and put fraudulent charges on the account. I want to know how it is done for the purpose of protecting myself in the future and educating others for their protection. Stop being such a##holes, Yahoo censors.|||The people who copied your card just need to swipe your card to attain your information. A common way that this occurs is when you pay for some service or product and the person who takes your card for payment swipes a device on their person or under a counter and it copies your information. They usually sell this information, but whoever uses that information to make a card can either take a card and overwrite the information with the proper equipment, or if they are really advanced, punch their own card from plastic. Another way that this occurs is they steal your mail, and request a new card in your name but to a different address.|||It's easy, but I need to see a picture of your credit card to explain it to you.|||Just call yourself the Federal Reserve and you can counterfeit all the money you want.|||I don't know
What are the chances of me getting a business credit card?
Hi, I am about to start a small business and was wondering if I would be able to get a business credit card. Would a bank approve a credit card for a small business that does not have any credit history and if so what would the limit on the card be? My personal credit score is 720 and my business partners is around 690 if that makes a difference. Thanks|||If you are running a business as a company then they will not give you a card based on your score. If your business has a bank account the bank may give you a credit card based on your balance and activity. You need to go to your bank first and sell them the idea of your business, have a business plan and some market research to show you have thought this through, then you might get lucky.|||I was able to get a business credit for my second business recently without too much difficulty. My credit score is higher and I had been in business for about 8 months with no revenue as yet. The credit card company is going to base a lot of their decision on your personal financial information including obviously your credit score. I am not sure where the cut-off is. In other words at 720 or 690 they may want to see more information then basic personal information. Also, this will differ by credit card company. Try a couple (not too many as this will lower your credit score) and see what you can get. In the mean time use your personal card and have the company reimburse you.
How can I get someone to pay with a credit card without a creditcard machine?
I am a personal trainer, who trains independently of a gym. I have a potential client that wants to pay using a credit card. Does anyone no the best way for me to go about doing that, without the use of a credit card machine? Want to get paid, HELP!!!!|||She could use her credit card to pay you by using paypal. The money goes into a online account that you can transfer back to your own bank.
Check out paypal.com|||Your best bet would be to sign up for a PayPal account. That will allow your clients to pay you online using their credit card.
PayPal will charge you a small fee for each transaction, but so will any other bank that sets you up with a merchant account.|||set up a paypal account have them pay you through paypal online. have them do it wiuth u at ur computer to verify it went through.|||You could try using a paypal account. She pays you via email. They pay it directly into your bank account.|||If you have a business bank account your bank will sometimes run up to ten transactions per month by phone and credit your account. Talk to your banker, I know Bank of America will do this.|||Tell the person to go to an ATM machine and get cash out to pay ya.
If u dont have a machine, u will not know if the card is any good or not.|||hmmm difficult
Check out paypal.com|||Your best bet would be to sign up for a PayPal account. That will allow your clients to pay you online using their credit card.
PayPal will charge you a small fee for each transaction, but so will any other bank that sets you up with a merchant account.|||set up a paypal account have them pay you through paypal online. have them do it wiuth u at ur computer to verify it went through.|||You could try using a paypal account. She pays you via email. They pay it directly into your bank account.|||If you have a business bank account your bank will sometimes run up to ten transactions per month by phone and credit your account. Talk to your banker, I know Bank of America will do this.|||Tell the person to go to an ATM machine and get cash out to pay ya.
If u dont have a machine, u will not know if the card is any good or not.|||hmmm difficult
What would be the most prestigious credit card in the US during the 80s?
One of the characters in my book is a disgustingly rich attorney in New York, with a penthouse opposite Central Park and the usual usual... What would be the most prestigious credit card he would use (and also show off) in the 80s, ex. 1983?
Many thanks for your time.|||American Express Gold card.|||It would be an Amex card. Back in the day they used to require you to make a certain amount of money before you could have one. I hear now they have a card reserved for those who spend over 150,000 on one of their other cards.
Weird..|||Probably American express|||As the advert used to say "American Express, that'll do nicely".|||American Express|||Amex Gold|||Diners Club
Many thanks for your time.|||American Express Gold card.|||It would be an Amex card. Back in the day they used to require you to make a certain amount of money before you could have one. I hear now they have a card reserved for those who spend over 150,000 on one of their other cards.
Weird..|||Probably American express|||As the advert used to say "American Express, that'll do nicely".|||American Express|||Amex Gold|||Diners Club
What are all these other credit card offers I get in the mail?
It seems after establishing good credit companies like chase want you to use their card. What is the difference between the bank card and company brand cards? What am I better off with?|||What you need to do is OPT out of receiving such offers. And an application sent to you in the mail is no guarantee you will get a loan with any company right now. Yes, even with excellent credit.|||Your not stay with the bank anyways it may be a con!|||Thats the old money machine rolling.
Your better off with whatever rate is better, or if your interested in incentives (like free air travel points, free grocery money bonus etc), just go with the one you like the best. Try not to get too many credit cards, 2 cards is fine for most people in order to build and maintain their credit.
It doesn`t matter if it`s through a bank or anywhere else, if it`s Visa or Mastercard, it`s all going back to them. The bank is just like a facilitator.
Your better off with whatever rate is better, or if your interested in incentives (like free air travel points, free grocery money bonus etc), just go with the one you like the best. Try not to get too many credit cards, 2 cards is fine for most people in order to build and maintain their credit.
It doesn`t matter if it`s through a bank or anywhere else, if it`s Visa or Mastercard, it`s all going back to them. The bank is just like a facilitator.
What is the best credit card available?
Just trying to eliminate some other credit card debt by transferring a balance. Any other ideas as to how to eliminate $13,000 on a card with variable rate currently at 7.99%?|||anything visa.|||shop online and you can see that some credit cards offer as low as 1.5 for any balance transfers...
i think maybe a wells fargo credit card or a capital one..
hope that helps.|||Advanta has a 7.99% 0 balance transfers for 12 months, check out these sites and go under 0% balance credit card sections to find the best one.
http://www.fastcreditcardapprovals.com/
http://www.fastcardapprovals.com/Bad-Cre鈥?/a>
http://www.cardoffers.com/partners/links鈥?/a>|||Instead of transferring the balance to another credit card, you can consolidate the credit card debts.
Consolidation is the best solution available to the credit cardholders to improve their future credit. People go for debt consolidation for many reasons: prolonging the loan period from 5 - 15 years and reducing the interest rate. Consolidation allows you to go for a loan with lower interest rate than the one you are currently paying. Besides it simplifies the loan repayment as you are paying only one lender in place of various payments to different lenders.
http://debt-trap.com/category/Credit-Car鈥?/a>|||Consolidation is a great way to make it easier for you to maintain debt. You can consolidate with a consolidation company or by yourself with different and new credit cards. The consolidation companies are usually expensive and have really ugly rates, but make the minimum payments low, so that you feel like you're prudent. I recommend a technique in the book here http://www.amazon.com/gp/redirect.html?i鈥?/a> called credit arbitrage (technique #10) as a way to consolidate and really save money. It'll take a little more initiative on your part, but you'll save a lot of money!
Good luck!
i think maybe a wells fargo credit card or a capital one..
hope that helps.|||Advanta has a 7.99% 0 balance transfers for 12 months, check out these sites and go under 0% balance credit card sections to find the best one.
http://www.fastcreditcardapprovals.com/
http://www.fastcardapprovals.com/Bad-Cre鈥?/a>
http://www.cardoffers.com/partners/links鈥?/a>|||Instead of transferring the balance to another credit card, you can consolidate the credit card debts.
Consolidation is the best solution available to the credit cardholders to improve their future credit. People go for debt consolidation for many reasons: prolonging the loan period from 5 - 15 years and reducing the interest rate. Consolidation allows you to go for a loan with lower interest rate than the one you are currently paying. Besides it simplifies the loan repayment as you are paying only one lender in place of various payments to different lenders.
http://debt-trap.com/category/Credit-Car鈥?/a>|||Consolidation is a great way to make it easier for you to maintain debt. You can consolidate with a consolidation company or by yourself with different and new credit cards. The consolidation companies are usually expensive and have really ugly rates, but make the minimum payments low, so that you feel like you're prudent. I recommend a technique in the book here http://www.amazon.com/gp/redirect.html?i鈥?/a> called credit arbitrage (technique #10) as a way to consolidate and really save money. It'll take a little more initiative on your part, but you'll save a lot of money!
Good luck!
How can you order something online without a credit card?
I want to order something online. Is there a way you can order something without a credit card? I don't want to ask my parents because they will say say no. They always say no. A few months ago I used their credit card, but I didn't get caught. When the credit card records came, I blamed it on the item they bought a few days ago. Or is there a way to order something, but it won't show on the credit card records? and can you have a credit card before age 18?|||Aside from the pre paid visa cards you can get all over you can always go buy a GIFT card for that store you want to order from ONLINE. Most local stores sell gift cards for everything. There are also a few places left who will do COD (cash at delivery) it cost more though! good luck!|||If you have a bank account and an ATM card with a VISA or Mastercard logo, you can do it. If you don't, and don't have a checking account, you can buy a money order.
You can't have a credit card before 18.
And with a life expectancy of 78 you have about another 60 years left in your life to buy it.|||If you want to order somethng online, you can check if this website provides any payment method. As far as I know, credit card(visa/master/American express) is popular.]
Another one is "Bill Me Later".You need to apply for one account using your SSN.
Anothe one is Money order. A lot of websites don't receive personal checks.
Another one is Paypal. When you buy something , it will redirect to paypal website and then you can use your paypal account to buy it.
Just check if these methods are provided by the website and choose one of them as your payment method.|||buy a prepaid card either in visa or mastercard from places like the money shop or albermarle and bond in lewisham (london)(pawn shops have them)
or ask your parents with the money in your hand. you they are not at a loss|||Hello yes you can have a credit card if you're in college. Schools have loan applications for college students so inroll in a college for a few classes.
Next you can order something go get an credit card from a check cashing agency buy depositing anywhere from one hundred to a couple of hundred on the card.
You then order what you want with the visa or mastercard. But it is a good idea to have more than what your buying (meaning funds) to cover the item on a monthly payment.|||Get a pre-paid credit card. They sell them at most stores.|||Not usually.
Although on some sites like Amazon you can send a check or money order.
If you are underage, you'll have to get the item locally.
If your parents won't let you use their card, I doubt they'd let you have your own, unless maybe you got a job.
It's not the end of the world, ya know!
Some parents beat their kids.
You can't have a credit card before 18.
And with a life expectancy of 78 you have about another 60 years left in your life to buy it.|||If you want to order somethng online, you can check if this website provides any payment method. As far as I know, credit card(visa/master/American express) is popular.]
Another one is "Bill Me Later".You need to apply for one account using your SSN.
Anothe one is Money order. A lot of websites don't receive personal checks.
Another one is Paypal. When you buy something , it will redirect to paypal website and then you can use your paypal account to buy it.
Just check if these methods are provided by the website and choose one of them as your payment method.|||buy a prepaid card either in visa or mastercard from places like the money shop or albermarle and bond in lewisham (london)(pawn shops have them)
or ask your parents with the money in your hand. you they are not at a loss|||Hello yes you can have a credit card if you're in college. Schools have loan applications for college students so inroll in a college for a few classes.
Next you can order something go get an credit card from a check cashing agency buy depositing anywhere from one hundred to a couple of hundred on the card.
You then order what you want with the visa or mastercard. But it is a good idea to have more than what your buying (meaning funds) to cover the item on a monthly payment.|||Get a pre-paid credit card. They sell them at most stores.|||Not usually.
Although on some sites like Amazon you can send a check or money order.
If you are underage, you'll have to get the item locally.
If your parents won't let you use their card, I doubt they'd let you have your own, unless maybe you got a job.
It's not the end of the world, ya know!
Some parents beat their kids.
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