Mar 06

0% purchase credit card – looking for offer online – suggestions?

Credit Card Offers 2 Comments »
Credit card offer
Hello,

I usually get a bunch of credit card offers in the mail, but recently moved, so haven’t been getting them yet.

I am looking for a 0% on purchases credit card asap, to make a large purchase.

Anywhere on the internet where I can look for these special offers that are legit?

Pls advise. thanks

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Mar 22

APR on credit cards?

Compare Credit Cards 4 Comments »
credit cards compare
Hello, I am going through mastercard.com and comparing credit cards that are offered. I noticed that they have a APR category and I was wondering what that is and how that APR is applied to my bills. Is it charged every time I buy an item or is it the fee i pay if my payment is late? What is the best APR % thats out there?
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Mar 08

Why do people feel the need to unload they’re issues on helpless bystanders?

Compare Credit Cards 5 Comments »
credit cards compare
I recently started at this job. A cashier at Wal-Mart (I know FML) but anyway. But as if I didn’t have enough problems of my own. Among other rude people I have had to deal with. This one stood out in particular. I am a mostly reserved person and this lady did not look like she was in a cheerful mood. So I just do my job I scan her stuff and bag it. As she is paying. The register prompts me to compare her ID and Credit Card. I ask her that. And she very very rudely tells me “Do you realize that is the first thing you have said to me? No hello or How are you”. That just really pissed me because I was totally scared she was gonna call managment of something. Yeah I would of understood if she was being real nice and chatting me up but she was being picky about her bagging and she didn’t say a single thing to me either. I assume that maybe she is having. A bad day but it just annoys me that no one ever thinks that maybe hey this person’s life might be shitty too. I have to go to school and work because my single working mother was fired from her job I have to choose between work, rest and tutorials every day and I just found out I have a warrant for my arrest because of a single seat belt ticket that I got one week after I turned 18. And this woman is sweating me for not being cordial enough?
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Feb 27

How does declined credit card applications affect your score?

Credit Card Applications 4 Comments »
Credit card application
Hello, i applied for 2 credit card applications within a week and got declined. This is because, i am 18, and only have 2 bank accounts with no credit on file. When i paid $15 yesterday to see my credit score, it reported as having “no score”. So i guess my declined accounts don’t count, expect for the inquiry right?

And say i do have credit, how much does a decline account do for a credit card.

Also 1 more question: What is the easiest card to get, ive tried:
1. Texaco
2. Best Buy
3. Bank of America
any ideas?

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Dec 24

What happens to your existing credit cards if you foreclose your home? How about new credit cards?

Credit Cards 2 Comments »
credit cards
Hello. I have a great credit score as of now, but things will certainly change once I fall to foreclosure on my home. 1) Will I lose my existing credit cards? 2) Will I be able to get new ones?

Also, does anyone know how many points you lose with forclosure?
Thank you.

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Oct 22

How can I know if my business credit cards are personally guaranteed?

Credit Cards 2 Comments »
credit cards
Hello,

How can I know if my business credit cards are personally guaranteed? I don’t have copies of the original applications and I don’t want to call the cards to ask (because it may impact me negatively). Is there something in the Terms & Conditions of the cards that I should look for?

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May 10

What many credit cards should i have?

Credit Cards 17 Comments »
credit cards
Hello,
I make around 40k per year, i currently have a visa card with $11,500 limit (i owe around $4,500 on this card), i just got a AMEX blue card the other day.

How many cards can i own before it starts to hurt my credit, i am not planning on maxing them out, i just wnat to slowly build the credit limit on each of them.

Thanks
i have an interest rate of 6% so i am not getting killed on interest, doesnt seem like anyone here knows too much about this topic

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Jan 27

Can a person with no Credit History still be affected by applying for multiple cards?

Credit Cards 4 Comments »
credit cards
Hello. I have no credit history. Will applying for multiple credit cards still have an impact? Also, how is credit history built? When does it first “start”?
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