Are there any negative consequences to signingup for a credit card and then closing the account righ

I keep seeing people on campus offering free stuff like pizza, hats T-shirts bags etc for sining up. People sign up and then close the account when the card comes in the mail, or they just fake the application. Are there any negative consequences of doing this?

Are there any negative consequences to signingup for a credit card and then closing the account right away?auto financing

If you are doing it alot if can hurt your credit. Each time a person opens a card it is a small ding on your credit score. But from knowledgeable people have told me is that it is not a huge impact on your credit. Figure maybe 3-5 pts down if you open a card. so unless you do it 10x a year it wont hurt your credit much.

As far as closing it our right away, that wont hurt because will have no credit history with the bank. BUT it will help your score go back up if you use the card a little. Just spend like 50/month on it and then pay if off. That will easily make your credit score go up.

Are there any negative consequences to signingup for a credit card and then closing the account right away?

loan

Every time you apply (sign up) for credit of any kind, they can run your credit check. Too many credit checks within a certain time period will lower your credit score. %26quot;Too many%26quot; could be as few as 3 in three months.|||Yes - all credit checks and credit cards shows up on your credit history - to many hits and it%26#039;s a negative toward future credit!@~

Better rewards card than this, worth hassle also ?

I currently have a Everyday Elite visa rewards card which offers 4% gas , 2% on restaurants and food and 1% on everything else, is there anything better then this worth me going through the hassle and credit score effect of opening a new card. I also use a regular points debit card from national city for everything else, it aint much but would rather not have to pay such a huge bill every month on a credit card.

Any other suggestions, would love to hear them

Better rewards card than this, worth hassle also ?annual credit report

That is quite good really. There might be cards slightly better based on your spending habits but I definitely don%26#039;t think you should switch.

American Express Blue Cash is often rated as the best cash back card. With Amex Blue you get .5% cash back on everything and 1% cash back while you are spending less than $6500 for the year and then 1.5% on everything and 5% on everyday items thereafter (groceries, gas, drugstores). It has some other benefits as well like Buyer Protection and a program than can extend the warranties of some of the items you purchase. It%26#039;s complicated to compare yours to this becasue of the change in return after spending $6,500. I reccommend just staying with your card. A better rewards card isn%26#039;t going to make anyone rich.

Better rewards card than this, worth hassle also ?

loan

Reward credit cards reward you depending on the amount you spend on the credit card. Usually, you can collect rewards through 3 methods. One method involves earning cash back on the card, which is generally a certain percentage of each amount you spend. The next method involves giving points or any other type of token to the customers to accrue. They can then redeem these points for gifts like luggage, cosmetics and other goodies that the credit card company offers. Most of these reward schemes have alluring gifts and huge variety of selections. But the better option is to go for a cash back reward as it allows you to use the money any way you like|||I like american express delta miles card it give you a huge bonus when you sign up plus it will give you miles for every dollar you spend and offer alot or double mile days and this miles rack up fast which will give you a free round trip once you hit 25,000 miles you initial bonus is 17,500, check out www.fastcreditcardapprovals.com here you will be able to compare all credit cards that offer rewards side by side.

http://fastcreditcardapprovals.com/

Is it legal for a company that has your credit card to charge it for more stuff unless you opt-out?

i had purchased a domain name from globat.com, a company based in california. they sent an email recently saying i %26quot;qualified%26quot; for a great offer and it would only cost $49.95. they said it was even %26quot;better%26quot; since i didn%26#039;t even need to do anything if i wanted to %26quot;sign up%26quot;. they would simply charge my card on file. only if i didn%26#039;t want this %26quot;upgrade%26quot; would i have to contact them and let them know i did not want this. is this practice illegal or just totally scummy? if it is illegal, how can i get these bastards in some real trouble? thanks.

Is it legal for a company that has your credit card to charge it for more stuff unless you opt-out?mortgage rate

Report them to the attorney general if they charge it.

But I would report my card as lost and request it be cancelled and request a new one.

Is it legal for a company that has your credit card to charge it for more stuff unless you opt-out?

loan

If they charge you without consent it%26#039;s illegal, unless somewhere in the terms of service it said something about those offers. I would call my cc company and tell them it as an unauthorized charge if they charge you anyway.

Looking for the best deal for a 0% interest credit card?

I have a balance that I want to transfer....and am currently paying 24 percent interest. I would like to know of a card that not only has the 0% interest for a set amount of time (at least 6 months) but maybe throws in another offer to get my business.

Looking for the best deal for a 0% interest credit card?car financing

go here they have that offer of 0% for 18 months

http://www.bestcreditrates.net

Looking for the best deal for a 0% interest credit card?

loan

Try somewhere like moneysupermarket.com

That will let you compare the deals that are out there. 24% is daylight robbery!

What first purchase(s) should I put on my brand-new credit card to earn future generous credit limit

I%26#039;m totally new to Chase. Approved for Professional card with a 10K CL. Some says banks see first-purchase as indicator of habit and might affect future limit increases. Please offer some suggestions.

What first purchase(s) should I put on my brand-new credit card to earn future generous credit limit increase?credit rating

Nonsense. The bank might examine your first month%26#039;s purchases to determine your spending habits. To make the best use of your card, limit your spending to no more than 20-25 percent of your credit limit and pay the full amount by the due date. As you develop a history of reliable payment and not excessive use of your credit, you can ask for a credit limit increase.

I have a card on which the limit was about $11,000 and in a month that included a foreign trip I charged about $8,000 instead of the usual $3-4,000 per month. Without my asking, the bank increased the credit limit to $13,000 and notified me by letter. On another card I had to make a large purchase which I wanted to charge so I called the card company and explained my planned purchase and asked them to increase the limit by about 60 percent. They did so because of my excellent payment record.

What first purchase(s) should I put on my brand-new credit card to earn future generous credit limit increase?

loan

It is difficult to say. I would be conservative at first because your spending habits will be tracked. Bear in mind that not only will they keep tabs on your habits with them, they%26#039;ll also track you on other accounts you have. Bank%26#039;s have their own in-house scoring systems the public isn%26#039;t aware of. A phone call to their customer service to seek out information on guidelines will not hurt you.|||It really makes no difference what you purchase. The bank really doesn%26#039;t care. They are only concerned that you pay them on time.

The smartest thing for you to do is charge only what you can pay in full each month. They will automatically increase your limit every 6 months to a year.

Curious, are you going to be using this card for lots of business travel that you think you will need more that a $10K limit? Remember Credit cards are pretty bad for long term finance.

How do I opt-out of credit card pre-approvals for my business?

I know how to opt-out as a individual, but how to I stop these annoying offers that keep coming for my business?

How do I opt-out of credit card pre-approvals for my business?rate my teacher

Try calling 1-888-567-8688.

Or you can write to the following;

Direct Marketing Association

Mail Preference Service

P.O. Box 9008

Farmington, NY 11735

CAN I LEGALLY GET RID OF CREDIT CARD DEBT ???????????????

I GET OFFERS ON MY EMAIL, BUY CAN%26#039;T TELL IF THEY ARE LEGETT.

CAN I LEGALLY GET RID OF CREDIT CARD DEBT ???????????????construction loans

Credit cards are %26quot;non-secured%26quot; loans. Meaning the money they lend you through MasterCard or Visa is not tied to any collateral. If you stop paying on the debt the credit card company can not do anything but rate you as a bad risk in the credit reporting agency. Basically you get a bad credit rating that won%26#039;t go away for up to 7 years after you pay the debt off. If you can live with the bad credit report than just stop paying them. You can still get a car loan, but you will pay a high rate of interest because of the bad credit report. You can still buy a house, but the same applies, high interest rate for a high risk loan. One way or another (pay the debt off or pay high interest rates) you end up paying more than a person with a good credit report. Another alternative is bankruptcy which is an awesome tool when used correctly. It is a tool that many millionaires and billionaires use to their advantage while most working people scorn the legal precedence. If you have more debt than income, bankruptcy is for you. Don%26#039;t empty your savings and retirement accounts trying to keep up, just go file. Erase the debt and start over. You will have a high risk credit report for up to 10 years but within a year you can start building a good credit profile to shorten the high risk time. It%26#039;s all about the capitalism!

CAN I LEGALLY GET RID OF CREDIT CARD DEBT ??????????????? loan

bankruptcy?|||bankruptcy|||First of all, stop using your credit cards. They promote spending more than you make and make you pay horrible interest. Spend less than you make and you can clear it.

Something that every person should do is save 10% of their income for retirement. Getting it put automaticaly into a bank account is the best way so there is no temptation of spending it. With your situation I would put that 10% into the debt. The only reason you wouldnt is if you could find a way to make more interest than your credit cards are charging. (Still stay away from stocks, you don%26#039;t want to play around with money you dont have) The simplest way to say it is pay them off and don%26#039;t spend more than you make.

A book i reccomend to you is %26quot;The Wealthy Barber%26quot; by David Chilton. It is by far the best and most informative book you will ever read.

Is there an Amazon.com/Borders credit card combination available?

I%26#039;m looking for one that offers points, etc. towards Amazon.com and Borders Books purchases. Know of any? Thanks for the help!

Is there an Amazon.com/Borders credit card combination available?loans uk

There%26#039;s none currently in the market. There is an Amazon Visa offered by Chase, but not an Amazon-Borders card. Amazon and Borders are two separate companies (not to mention competitors) so it is highly unlikely that they will join together in one card -- unless one company buys the other.

You can just get the Amazon credit card and oftentimes they offer reward points to usage of the card in non-Amazon.com places.

Is there an Amazon.com/Borders credit card combination available?

loan

I have found a button on the source. It leads to a site that does not turn anyone down for a credit card and no credit checks. The site is great for other resources.

If a company refuses to accept a payment for a credit card, are you liable for additional payment to

I took out a 12-month-same-as-cash cred card to pay for a $2k item. Starting In December I was being hounded by an automated phone call asking to call this 800 #. When I did, I was told I had missed a payment and immediate payment was due, as well as $200 worth of interest and late fees were added. This seemed odd since I paid past payments on time. I checked with my bank, and the check had not cleared. I talked with the co and they would not back out the interest and late fees even though I offered to pay the account off (before interest and fees). I had even spoke to the manager of the agent. In addition, they wanted a $14.95 processing fee for accepting payment over the phone.

I wrote a check for the original principal in full, sent it to the co via certified mail, and they received it before the next payment due date. The very next day after it was received, I got another call from the company and I did not return. By the weekend, the check was returned, unaccepted.

If a company refuses to accept a payment for a credit card, are you liable for additional payment to them?yes loans

Your problem is that when that first payment was missed, your account was in default which made it all due and payable. If you check thru the fine print, it covers all the fees, etc. While it%26#039;s curious that the check never cleared, you still owe them the extra fees.

Did you check include some kind of %26quot;full payment%26quot; statement? It seems really strange that they wouldn%26#039;t take the payment. Be sure to keep all that documentation.

Your only option at this point is to contact the collection agency and work out a settlement. Get the agreement in writing and absolutely don%26#039;t give them access to your bank account. Try offering half the extra fees. It might be worth it to get rid of them.

If a company refuses to accept a payment for a credit card, are you liable for additional payment to them?

loan

Did they even open the envelope? Perhaps they didn%26#039;t open it because it was certified mail and there was no one there who was allowed to sign for it?? Maybe try resending it in the normal payment envelope?

What is the best solution for unsecured credit card debt?

No home ownership

debt settlement vs. consolidation?

Too many companies to choose from %26amp; they all boost their offers! Scam or legitimate?

What is the best solution for unsecured credit card debt?education loans

If I understand your question, you are having difficulties making the monthly payments on your credit card debt. Consolidation is not really a good answer because your credit score is probably pretty low right now and if you can get one your interest rate will be pretty high. You also have those credit cards still available and you could (and most people that go this route do) end up running up the credit cards again. Now you have twice the debt and no solution.

There are a bunch of scams out there and a lot of people that will try to rip you off under the guise of repairing your credit. Go with a reputable organization that will help you and not rip you off. I have worked with Consumer Credit Counseling Service for a couple years and they have been great. Check them out at: http://www.cccsintl.org/

They can help you work with your creditors to reduce payments and interest and they have educational information to help you to manage credit better.

Good luck!

What is the best solution for unsecured credit card debt?

loan

Debt Consolidation is the best...some info here

http://www.askaquery.com/Answe... Report It

|||You can visit http://www.cashguru.info and find very useful tips and several articles on debt consolidation. Report It

|||pay your bills, slacker!|||credit guard|||Could use more info, such as how much income you have and what sort of debt we are talking about?

Bet better of the two is consolidation. But the big danger is that you MUST get control of your credit spending. Over the past few years, many people have been suckered into the consolidation game. They clean off their credit cards into one debt, then turn around and run up the credit cards again. Now they are in twice the debt, and their only hope is bankruptcy. Last year many thousands of people filed for this very reason.

Debt settlement in my opinion is a scam. These companies are offering you services that you can easily do yourself. The problem is trying to get the credit card companies to work with you. Most of them are jerks.

Is it better to apply for a credit card or when they call you?

i get tons of offers in the mail...i have gotten a few phone calls to... what looks better gettign the call or me going to apply for one?

Is it better to apply for a credit card or when they call you?interest only loan

You mean you don%26#039;t get loads of mail asking for an application. Nobody calls me, I%26#039;m on the do not call list, and with the tons of offers I do get, I never seek to find one.

Is it better to apply for a credit card or when they call you? loan

It doesn%26#039;t mater whether you aply over the phone or through the mail as far as your credit score is concerned.|||You should go apply for one. I think anything having to do with money should be done in person. You can%26#039;t trust people through the mail, or the phone. Too many scams!|||To be honest with you I would rather fill out the form. I mean if you think about this then you will agree. Applying online or on paper makes sures that your getting all the info. Speaking to them over the phone is bad because there are people that will ask your social # moms maiden name, birthdate, stuff like that. so be very carefull when doing this, Choice is up to you friend.|||Trick question.

The best credit card is the one you don%26#039;t get.

Why would you want to put yourself in a situation where you are going to be a slave to the bank for the rest of your life?

http://www.daveramsey.com/

Check out his web site, listen to his radio show.

There is no greater feeling in the world than having Zero debt and a solid financial future.|||It doesn%26#039;t matter. Research to see who gives you the lowest interest rate without an annual fee.|||It really doesn%26#039;t matter either way. I would suggest, though, going to your bank and applying for a credit card through them. They often have alot lower interest rates and better services. 20+ percent versus 15% or less at the bank.

Is there any way to find out credit card approvals online?

sometiems there are pre-approved offers by mail...anything like that online??

Is there any way to find out credit card approvals online?boat loans

Bank of America, Orchard Bank and HSBC have card selectors that will tell you if you might be approved for a certain card.

They do not pull a hard inquiry for doing the selector. If you apply for a recommended card then they will pull a hard inquiry.

Keep in mind that pre-approvals, whether online or by mail, are still subject to being denied.

Is there any way to find out credit card approvals online?

loan

I have placed this in the source box. There is a wealth of information there and a great free debt management software program. I bookmarked the site as I return to it often for the advice it offers. I hope this helps you.|||Many banks offer the instant approval option for online applicants. You can try it at http://www.credit-card-analyzer.com/Inst... But %26#039;instant approval%26#039; doesn%26#039;t mean you will get the card instantly. You will have to wait a few days. Keep in mind that when applying for a pre-approved credit cards you are still filling out an application form. The information is carefully reviewed by the bank. There are chances it will be denied. Most of the banks will offer pre-approved credit cards only to people with excellent to good credit history.

How do I get the best deal to pay off all my credit card debt at once?

I have maybe 10,000 in c.c. debt. but I get offers from collection agencies for each c.c. offering less. For example, I owe citi 5000 but they offer me to settle it at 3000. How can I get the lowest settlement offers from each collection agency and settle all debt at 50% off?

How do I get the best deal to pay off all my credit card debt at once?loan forgiveness

Taking this type of arrangement will be reflected on your credit report as a pseudo bankruptcy. It will negatively affect your score.

Get a second or third job, cut up the plastic. Sell stuff. Work like a fiend to pay all of this off $10K/12 mo is 833 per month. 10K divided by 52 weeks is 192 per week. Get mad. Get it done.

How do I get the best deal to pay off all my credit card debt at once?

loan

Make them a counter offer at 40%, then counter their counter and agree at 50%.

Then pay them off and tear up your plastic|||The best way is finding a low rate consolidation loan and pay one bill instead of 10 or so. This site have some information that could be useful...

http://www.consolidate-credit-card.net

Good Luck!|||Hi,

Please click my profile to read my advice.

Will transferring a balance hurt my credit score??

I have two credit cards, one with no balance that is for dire emergencies and one that has a balance that will take at least a year for me to pay off. If I close out the one with a balance and transfer that balance to a card that offers a very low APR for the life of the balance, will my credit score be hurt??

Will transferring a balance hurt my credit score??bridge loan

Yes.

http://credit.about.com/b/a/007293.htm

Will transferring a balance hurt my credit score??

loan

It shouldn%26#039;t cause it is a pre-approved credit line. I would however, check out a reputable credit bureau such as TRW and inquire with them. Call directory assistance for their 800 nbr. Dont trust anybody%26#039;s opinion on here, its not worth screwing up your credit score.

Have a nice day:)|||Your credit score may go down temporarily when you open a new account (from new inquiry and the shortened length of average credit), However, in a long run, you will save a lot. You may don%26#039;t want to close out your credit account immediately. Just keep it open for having a large credit available and having a long term credit account benefit your score.|||If you are planning to open a new card, then it will hurt your credit score. It will also hurt your credit score if you close your existing account.

Every time you apply for credit, an inquiry shows up on your credit report. The inquiries stay on your report for 2 years, and each will have a small negative impact on your credit score. Having too many inquiries may even cause you to be turned down for credit, as lenders look at this when extending credit to you.

When you close an existing credit account, it will also have a negative impact on your credit score. Another thing that is factored into your credit score is the length of time your credit accounts have been opened. If you close an existing account, you will shorten the average age of your accounts, and cause your credit score to go down. If you do decide to transfer the balance from your existing card to a new card, you should keep the existing account open. You can set this card aside, but use it once every six months or so to make sure that it still shows as an active account on your credit report.|||Temporarily. Keep in mind balance -to- credit limit ratio is more highly weighted than the age of your accounts. So paying down a credit card is more important than how long you had or have the account open.

Also, people transfer balances all the time. It does hurt your FICO score a little anytime you open a new account, but since the balance on the new card will be dropping A LOT faster than on the old card, this evens things out.|||In general, yes. Closing a credit card even if it is at %26quot;consumers request%26quot; will lower your score. The best way to see is go to myfico.com and use their predictor service or go to MSN and they have a free service for credit card scoring. You can use both. However, If I were you. The prospects of closing only a one year card and yet getting a better rate of return (lower interest rate) would be worth it. However, here is another angle that you may not have thought of. Call your existing credit card company and tell them that you are looking to close the account and do a balance transfer but willing to stay with them if they can offer a more competitive rate. You%26#039;ll be surprised. They may come close to or match the competitor%26#039;s offer because it costs money to find a good client to lend to like you.

Good luck|||Assuming you have only 2 existing credit cards, transferring the balance from one to the other will cause a temporary drop in your score. In essence, it may appear as if you%26#039;ve racked up more debt on your 2nd card (in other words, it looks like you have large balances on both). However, in a few months, once the updated credit information makes it%26#039;s way to the credit bureaus, you should be fine.

I don%26#039;t recommend closing your account, especially if you only have 2 cards. Having too few accounts is actually bad for you, too!!! Keep it open and consider it as a backup.

In general, I wouldn%26#039;t recommend more than 3 credit cards, and no less than 2. Credit scores are based on a formula that looks at all varieties of credit, so you%26#039;ll want to keep a few of each type (ie. credit cards, secured loans, mortgages, etc.).

What does it mean to be "pre-approved" for a credit card?

I get those offers in the mail all the time. I always just shred them, but I often wonder what it means to be pre-approved. Doesn%26#039;t everyone get those offers, even those individuals who would be turned down if they applied? What%26#039;s the point?

What does it mean to be %26quot;pre-approved%26quot; for a credit card?no fax loan

I%26#039;ve been turned down on %26quot;pre-approved%26quot; credit cards before. Pre-approved means you are pre-approved to be accepted to carry a credit card but they don%26#039;t tell you that you can be denied after the fact, after they do a check on your credit history. Then after they get your response or attempt to be accepted they bomb you with offer after offer and they sell your address to mailing address harvesters then the domino effect just keeps happening. AVOID CREDIT CARDS AT ALL COST! It will be the ruin of your finances.

What does it mean to be %26quot;pre-approved%26quot; for a credit card? loan

means you have been prescreened by them and ok d ,but final approval depends if you fir the final criteria like income and credit score

Do you want an ipod but don't have a credit card?

http://ipods.free4every1.com/index.php?r...

the monster learning offer and the NYIT college offers are the easiest.

Do you want an ipod but don%26#039;t have a credit card?sba loans

ok

Do you want an ipod but don%26#039;t have a credit card? loan

this website is really good for getting referrals, and it%26#039;s really easy to use.

http://www.getref.com/index.asp?id=toopa|||great

Any idea on where I can get the best credit card in the Phils.? I'm just a starter but i wanna

The ones I see in the net are: Citibank, HSBC, BPI, Equitable, Unionbank. Which offers the most competitive benefits and prestige? Are there differences in the fees when I pay my monthly dues?

Any idea on where I can get the best credit card in the Phils.? I%26#039;m just a starter but i wanna get the best!finance

Terms and conditions of the various credit card companies are probably not consolidated anywhere, since they change frequently. And most of them have limited special offerings.

Make yourself a list of the terms you want to compare. Call each credit card company and get information for each one.

The terms offered to you will depend on your credit rating. The credit card companies cannot give you specific information on what you qualify for UNLESS you actually apply for their credit card, which gives them the right to look at your credit report.

Keep in mind that whenever you submit an application to a lending company (bank, mortgage company, credit card company, etc.) your credit score is reduced.

As far as comparing %26quot;prestige%26quot;... you%26#039;ll have to decide which card is the most %26#039;prestigious%26#039; for you.

My advice, if you have no credit card at all at the present time, is that you go to a local credit union or bank and apply for THEIR credit card (usually associated with Mastercard or Visa). Once you have one, and you make all payments on time, other credit card companies will be more inclined to make competitive offers to get you as their customer.

How secure is to pay to yahoo travel with credit card? Do they accomplish the asked services?

I%26#039;m planning to travel to the US, I%26#039;m Not a US Resident and I%26#039;ve seen numerous convenient offers in travel packages like hotels, flights, car rentals, etc...

How secure is to pay to yahoo travel with credit card? Do they accomplish the asked services?military loans

These are generally reliable, I%26#039;ve used several of them for years for international travel and never had a problem, including Yahoo.

How do you fix bad credit from 5 years ago?

I%26#039;ve paid all my bills for the past five years (I was young and stupid) yet I still get rejected for good credit cards and only get offers from cards with high APR%26#039;s and annual fees and low credit limits

How do you fix bad credit from 5 years ago?horses for loan

Pay your bill on time.

LC

How do you fix bad credit from 5 years ago?

loan

Pay the bill and have it removed from your profile|||If you can hang on two more years, you should be in the clear. In the meantime, kick back and stay out of any more bad credit situations. Keep present documentation on all bills you are and have been paying. This will give you some support when it come time to contact the credit agencies to remove all the submissions.|||Believe it or not, the best way to fix credit, escpecially from that long ago, is to order a credit report from all 3 agencies and DISPUTE EVERYTHING NEGATIVE. Often the lender would rather erease the negative history on the credit file than pay someone to drive to a warehouse, dig through old, dusty files and send %26quot;proof%26quot; to the Credit Reporting Agency.

It isn%26#039;t likely to fix everything, but some negative credit will certainly go away.

Beyond that, check for a local credit repair agency in your Yellow Pages--beware of on-line services.|||were the bills in collections or no longer being active? if the creditors gave up on collecting payment for those bills and they remained dormant, i.e. they stopped trying to collect on them, then you did a very bad thing. I%26#039;m sure you had good intentions on wanting to pay back old balances and start from scratch, in theory, but what you actually did was when you paid off those bills, the negative credit history from that point up until now came along with it. Credit is a stupid entity and I don;t know why they do this. You essentially, if I%26#039;m understanding you right, woke up a sleeping giant. If you paid off these old bills then you actually lowered your score by doing so since it carried all the bad credit along with it. Had you just left them alone and tried to rebuild your credit then it would%26#039;ve been okay but now you%26#039;re in a situation where your past just caught up with you. for now though, get a secured credit card. it%26#039;s pricey but it will help your score in about 6-8 month period, at that point then you should be able to get something a little better than what you have now.|||It sounds more like you have a problem with %26quot;Low credit%26quot; rather than bad credit.

If you have paid all your bills and have little or no delinquencies, that is the problem. It is easier to get credit with bad credit than with %26quot;Low%26quot; credit or no credit.

I would suggest looking for someplace that offers in house (they carry their own accounts) credit to build up a credit base.

Get It Now (a subsidiary of RentACenter) offers easy credit programs that help build your credit rating, for instance.

If you need more information, let me know.

Pastor Jerry|||you can contact a credit repair company. They can improve your score by a few points. That might help.|||Apply for the credit card...high APR and all. Use the credit card to make purchases you would ordinarily make, but pay the balance in full each month. It%26#039;s irrelevant what the APR is if you don%26#039;t let any balance carry over from month to month. This will re-establish you in the credit world as someone who pays their debts on time. After a period of time, you will get new credit cards with lower APRS.|||Have a look here

Does it hurt your credit to keep switching credit cards once the 0% interest is up?

I have a credit card and the zero percent interest for a year is up at the end of this month. I want to transfer to another card that offered me zero percent for a year. Why wouldn%26#039;t I? Will it hurt my credit?

Does it hurt your credit to keep switching credit cards once the 0% interest is up?credit cards

Yes actually it does. Everytime you apply to a new card to get another one that is offering the 0% interest it puts a ding on your credit report. Credit scores consist of more than just that your bills are paid on time , it also tracks how often you apply for more credit and that is not a good thing to have on there. And all your creditors know you are doing it. When we applied for a car loan , our mortgage company called us to make sure we were not applying to refinance our home.

Does it hurt your credit to keep switching credit cards once the 0% interest is up? loan

I think as long as you KEEP the other card, and have mantained a good payent history - it willonly HELP your credit rating (more cards = more credit credibility.|||Yes and no. The people with the highest credit have established accounts that have been open for over 5 years. If you keep switching cards, you%26#039;re really kickin%26#039; yourself in the bum. On the other hand, you aren%26#039;t paying interest ...|||There is a lot of good info on this subject right here.

Can anyone one help me join 22usd.com,I have neither credit card nor anything in my e-gold account?

22usd.com is an online money making website by completing offers,referring friends,processing emails.22usd is needed to start the job,I don%26#039;t have anything online,will anyone help me join then we will be sharing the benefits

Can anyone one help me join 22usd.com,I have neither credit card nor anything in my e-gold account?exchange rate

Good luck.....I%26#039;m guessin%26#039; they won%26#039;t be lining up with cash in hand anytime soon.

I am selling my lap-top. I have deleted all items in my Recycle Bin including my credit card no. Saf

Before selling the lap-top, all private and confidential matters in that computer will be transferred to the Recycle Bin. All items in the Recycle Bin are subsequently deleted to prevent any access to the private and confidential information in the computer. These include my bank accounts,Visa and Master Card numbers which I used for payment via the internet. I am now working in Africa and before going home, I intend to sell this lap-top to an African who is just an acquaintance. He says he will resell it as a middleman.This means that I do not know who is the ultimate buyer and there will be no means of tracing him. I am a Singaporean and returning home soon. The price offered is very good.The password to access the main menu will be given to him so as to enable him to use the computer. Is there any danger in selling this lap-top to a starnger who deals in computers and repair and modify them for resale? Can he subsequently retrieve data which I have deleted from the Recycle Bin?

I am selling my lap-top. I have deleted all items in my Recycle Bin including my credit card no. Safe to sell?credit report

To be safe :

1) Format ur drive

2) When u access internet, temporary folders get forrmed.

Search .tmp on your laptop n erase them all,Also clear all cookies from internet browser.

I am selling my lap-top. I have deleted all items in my Recycle Bin including my credit card no. Safe to sell?

loan

well just make shure there is no private stuff that u don%26#039;t want peeps 2 c adn ur good 2 sell|||Nope!

Give it to me, and I will retrieve ALL your personal details on that computer!

Re format the hard drive, or download a good cleaning program!|||No there are software which can recover deleted files from hardrive

So please use some harddrive eraser|||NO. I can recover your data.

I would at the least get eraser http://www.heidi.ie/eraser/ and wipe the free space. This is assuming they want the OS left alone. Another alternative is to clean the entire disk, and then re-install the OS.|||download boot and nuke %26amp; nuke the hell out of your harddrive. simply deleting files from your pc doesn%26#039;t get rid of them, they can be restored.

link to the file below for your convenience.|||deleting something to the recycle bin only clears the information from that part of the hard drive an until or unless that part of the hard drive is overwritten, the information can still be retrieved from it.....you are better off reinstalling the Operating system and formatting the hard drive....when reinstalling do not setup any passwords and set the default user as %26quot;owner%26quot; or somthing like that....that way whoever gets the computer in the end can change the name and setup their own password rather than being forced to use yours. Also if it is running windows you have to supply them with the operating system disc or at least a copy of it or the restore disc that came with the computer or you cannot legally sell it with the os on it.

If you do not have the disc(s) then just format the laptop and leave it without an OS and then the person purchasing it will have to install their own copy.|||remove hard drive,smash it.|||ABSOLUTELY NOT! Emptying the recycle bin does not remove important information from your computer. A better way would be to re-load the operating system from your original disks. This will erase all saved information, essentially leaving the new buyer with a new computer that has no personal information in it. Although a determined hacker could go deeper into the hard drive and retrieve information....re-loading the OS (Windows XP or 98...or whatever you are running) is usually sufficient for good protection. Good luck!|||No, you must format the Hard Drive and reinstall Windows. If you do not know, i recommend taking it to a TRUSTED FRIEND. Not just someone who said that they would over the internet.|||You don%26#039;t just want to re-format the hard drive. You actually want to write data over the top of the hard disk so that there is no way that old data can be recovered.

Windows doesn%26#039;t have a built-in way of doing this. (On Mac OSX, Disk Utility has three options of erasing data, up to a 35-pass over-write and erase!)

One way you can over-write is to copy data until the hard disk is full, then delete some data, then defragment. If you do this a 3 times than format 3 times, you should be safe.

Just formatting won%26#039;t render data impossible to recover for the committed enthusiast with the right tools.|||If you are selling your computer, thoroughly clean your hard drive. Deleting files and reformatting is not enough. Reformatting does not overwrite every sector, and private information can remain retrievable. Use a secure delete or disk wiping utility to overwrite every sector on all hard drives. Be sure to use a utility that supports the U.S. DoD standard of seven passes or wipes. While this method is good enough for most people, be aware that the only absolute way of destroying all traces of everything your hard drives is to have these disks degaussed (demagnetized) and physically destroyed.

Suggested: BCWipe, Evidence Eliminator, or SDelete.|||no it is not safe to sell any one with appropriate program can retrieve any information from your laptop

you need to use a data shredder program

Any free web sites that dont tell you to take surveys or no credit card i really need this.?

im not tryin to be greedy or anything but i really need a digital camera becuase i want to document stuff to make money to get a digital camera so if u guys could help me with a web site that has no kind of offers or nothing really exclusive and to get money i need a job and im only thirteen and i cant find one im broke please help and no one please dont say lnothing im life is free i really dont need to hear that thank u if yall could help me by much love to all of yall who answerd my question :)

Any free web sites that dont tell you to take surveys or no credit card i really need this.?credit score

freebies

Any free web sites that dont tell you to take surveys or no credit card i really need this.? loan

Your question is very difficult to read. Ever hear of sentences?

Are you asking us for a website that will send you a free camera just out of the good ness of their hearts?

Ummm. I can%26#039;t imagine why any company would do that. Either save up allowance, do some odd jobs and earn some money, or ask your parents to buy you one.|||http://www.AWSurveys.com/HomeMain.cfm?Re...

try this. it%26#039;s not really a survey site, more like you look at a wb page for 2 seconds and then write a sentence if you liked it or not. they give you $6 to sign up and $4 for each of these views.

hope it helps.

good luck!|||my article lists a bunch of sites that will pay you to answer questions about products and stuff. most of them allow members that are 13 and over. these take a little bit of patience to gain money but no credit card is required to sign up and earn cash.

http://www.associatedcontent.com/article...

I am interested to do net business. but I don't have a credit card. Is it possible for me?

Is there any web site that offers me to create my own web site freely?????? please give the answer for two questions

I am interested to do net business. but I don%26#039;t have a credit card. Is it possible for me?signature loan

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I am interested to do net business. but I don%26#039;t have a credit card. Is it possible for me?

loan

Depends on what you want to do. You can email me. I am starting a site, the URL of which I will not spam here, which is for doing business online. If you got something to sell, all you need is a bank account to receive sales into with PayPal.|||1. http://www.mymccard.com You can get a credit card. Look for where to get where you live. I have 2.

2. http://www.bravenet.com/webhosting/ I have a free site here.

Where can i get a free xbox 360 without having to give my credit card # or my cell phone number?

i dont want to have to fill out offers i just want a free xbox 360

Where can i get a free xbox 360 without having to give my credit card # or my cell phone number?rate my

Best buy..If your talking online then I dunno. Maybe there is a site that uses checking.

Where can i get a free xbox 360 without having to give my credit card # or my cell phone number? loan

Chances are...no where. You don%26#039;t get nothing for free. Best shot...enter competitions or reduce yourself to begging. Try ebay and get it cheap.|||hello-no one is actually going to give away a xbox for free-they are all gimmicks|||you cant those things are all scams|||give fake numbers|||Best Buy, Costco, Stores that accept money!

Oh, you said free...ain%26#039;t gonna%26#039; happen|||In a magical fairytale land where money falls from the sky and the rivers flow with diamonds.|||where%26#039;d you see that? a fake %26quot;shoot 20 ducks and get a free Xbox%26quot;?? those are so fake. don%26#039;t fall for it.|||no way|||you cant. even if you give them your credit card number or phone number you will not get a free xbox 360. all of these sites are tricks to steal your identity|||Check out ebay.com - they might let you pay with Paypal - you might be able to use your bank information instead of your credit card information + use your house phone number instead of your cell phone number.

Good luck.|||Yeah, gettin a 360 for free. not going to happen. Cheapest way is going to a pawn shop, ebay or gamestop/ebgames and gettin a used one. usually around 250, no extras though.|||Wait in such stores as Best Buy, Walmart, Costco, Circuit City etc.... And when you see someone buying a 360 , walk out and wait outside for the to come out ... and then TRIP THEM GRAB THEIR 360 AND RUN LIKE CRAZY. This also works with friends and anyone who generally worked hard and paid for their 360 that you know.|||well theirs no garrantee but you can join sweeps like the mountain dew transform you summer, and tropicana twisters has a sweeps out, winzy.com/tahsui you can join and every search you make enters you in the sweeps but all the info is on the page, iwon.com, dunkindounuts is having an xbox 360 sweeps but i dont remember the siteeee. and their all free you dont have to pay a thing you just have to play but you have to sign up at as many sweeps as posible if you really want a chance because they dont give out thousands . here is a site with the different sweeps www.myinstantwins.com or volition.com. their not all scams people assum they are because they havent won anything. its not gonna be easy you have to do something the ones that are scams are the ones where you have to join sponsor promos to get it and the ones where you have to give credit card info because you end up paying more than what the xbox is worth.

i have seen losts of questions here asking how to get free stuff but mostly people are gonna answer saying their all scams but their not you should go to google or yahoo search and look up sweepstakes, contest, or instant wins

o before i forget it will be even harder here but microsofts club live has games you can play to get points and one of the prizes is an xbox 360 but you have to get like 50000 or more points

hope this helps pease|||http://NoCreditCard.YourGiftsFree.com/?i...

Here, go to this site, it literally says no credit card, just do what i did

the insurance quote offer. fill it out , choose some random answer if u don%26#039;t know, and that%26#039;s it, all they do is give you a quote. then just get the number of required friends to do the same. i already received the ipod off this site, so it does work.

I have no credit score and a couple of doctor bills on my credit report...........................

Is there anything I could finance to start building my credit up? I don%26#039;t have a job, I am a stay at home mom, but I recieve child support of $130 a week. I have gotten offers for a credit card, but they all say I have to pay them, so I don%26#039;t want to do that.

I have no credit score and a couple of doctor bills on my credit report...........................rate my professor

With years in the credit business:

If your bills are far in excess of your ability to pay them, or if it will take longer than 4 years to pay them off, see a bankruptcy attorney.

To build your credit, see a bank that offers secure credit cards. You place, usually $300-$500 into a special account with the bank and they give you a credit card with a limit equal to your deposit.

You pay on the credit card just like a normal one and it goes on your credit. When you build enough credit and can get a regular card, you close the account (or leave it open for longevity of accounts - important in credit scoring). When you close it, they give you your deposit back.

I know that US Bank offers secure cards as I have had clients go to them in the past. However, as usual, you%26#039;ll have an annual fee of about $29 and interest will cost you about 26% on any balances.

I know this is costly, so you might want to check around. However, beggers can%26#039;t be choosers.

You%26#039;ll need to wait about 6 months to see a score appear. With collections it might not be that great, so see about those.

Best of luck.

PS - Contrary to a previous post...many, many people have credit reports with no scores!

I have no credit score and a couple of doctor bills on my credit report...........................

loan

If you have a credit report then you have a credit score.|||Well, do you have a bank account? You could go to them and ask for a low limit credit card to establish your credit. Do you have any utilities in your name? Maybe try to get a cell phone. You may have to pay a deposit but that%26#039;ll help establish. It takes a long time to get established. Take it slow. You%26#039;ll get it.|||In order to build good credit you need to start building a good history. You need to partner with companies that will report to all three (3) credit bureaus, but won鈥檛 pull your credit. Crown Jewelers is a great company that will give you a small credit line and report to all three (3) credit bureaus.

http://www.crownjewelers.com/

Second, open a secured credit card. New Millenium Bank is an excellent choice. They won鈥檛 check your credit and report to all three (3) credit bureaus. You can even pay your bill online.

http://www.nmbonline.com/

Revolving debts are highly weighted in credit scoring, so keep your balance 鈥搕o- credit limit ratio low. Never miss a payment. Before you know it you will be on your way to better credit.|||Yes. Anytime is a good time to start building credit. Here is some info that will help.|||When you say the card companies say you have to pay them, do you mean an account setup fee? If so, good for you for not going for it. Go to http://www.creditcards.com and see if any of those can help you. Also, what exactly are you trying to finance? The doctor bills? Why not try going to the bank to get a loan? That could help too. Best of luck!

Lowest Credit Score......?

whats the lowest credit score u can have b4 Capital One offers you a credit card...... what do u think is the lowest??!!

Lowest Credit Score......?payment calculator

Orchard Bank is the best issuer of bad credit cards we%26#039;ve researched.

Beware of Capital One and American Express.

Both use a point-stealing strategy when reporting your account to the credit reporting agencies, i.e. Equifax, Experian and TransUnion.

For instance, let%26#039;s say you have a $1,000 credit limit and you charge $300. Instead of reporting your $1,000 credit limit and a balance of $300, Cap One will report your $300 as your credit limit

On your report, you have %26quot;maxed out%26quot; your credit limit....100% debt to credit limit.

30% of your FICO derives from %26quot;amounts owed.%26quot; Be aware of this unfortunate strategy.

What%26#039;s in your wallet is a point-stealing card. Unless you%26#039;re a 720+ FICO person, you need all the points you can get.

At www.fixmyuglycredit.com, we offer free credit repair, blowing the lid off these common %26quot;secrets%26quot; not widely publicized.

Hope this helps.

Mike

Lowest Credit Score......?

loan

about 600

Is it bad to apply for to many credit cards. I already have a few cc cards but got a gr8 offer to op

Will it kill my credit rating to have to many open credit cards. I only use 2 or 3 cards and always pay it off but is it bad to open up new ones when they ginve great incentives to. American express offered 300.oo to open aother credit card.

Is it bad to apply for to many credit cards. I already have a few cc cards but got a gr8 offer to open anothecredit check

What hurts your credit is the inquiries when you complete the offer they will run your credit again even if they tell you your pre-approved. This reduces your credit score generally anywhere from 1-5 points per inquiry. If you use more than 10% of your credit limit that can have an affect on your credit as well, until you bring the balances down.

Is it bad to apply for to many credit cards. I already have a few cc cards but got a gr8 offer to open anothe loan

so long as you pay on time its fine.its only bad if you apply and get turned down|||you do not want to many credit card accounts. this will hurt your chance of obtaining car/student loans and mortgages.(depending on your income vs. debt) if you have c.c. accounts open now and a.e. is only offering you 300.00 then i would not open a new account. the mistake you are making is that you always pay off your cards. you need to maintain a 20%-30% balance on all you open accounts if your balance gets up to 50% then immed. pay off your card to 20%-30%. this way you will see your score rise. paying the interest is the price for a good score.|||Why do you need another card? You should have one or two for emergencies. You should pay them in full as soon as you get the bill.

You don%26#039;t need 4 credit cards.|||Yes it can be bad for your credit if you have too many open accounts. Loan officers look at it as potential debt and therefore a higher risk. I once worked for a firm that denied someone who made 6 figures a $10,000 loan b/c he had too much credit out there. I would say stick with 2 or 3 and close the rest.|||Yes, too many cards can hurt your rating. One factor considered in scoring is how much open credit you have available considering your income and employment history.

What is with the $300 incentive to open an account? Or is it an initial $300 credit limit? From AmEx? Read the fine print. American Express does not give away that kind of money.|||The more credit cards you have the better. When you have a lot of cards, all of them increase the credit limits and all the other card companies start sending more, where as to the point that a credit score means nothing, because the credit limits goes up and then it%26#039;s offers to transfer from one credit card to another and get a low interest rate. This can fix credit issues that was on the report, that%26#039;s you need a lower interest rate and are more likely to accept your new 101 card. It gets so good that you get offers from the places you use them, hotels, Disney Land, American Airlines etc...............|||Yes, it is called %26quot;utilization%26quot; and %26quot;capacity%26quot;. Utilization is the percentage of balance to high credit ratios. Example you owe $500 on a credit card with $1000 credit limit is 50%. 50% is good, 75% is not so good. Capacity is the amount of available credit open but not used. The more you have available, the higher risk you are.The inquiries will eventually have less of a impact to your score, each time a account opens the score goes down during the%26quot;too new to rate%26quot; period, typically 90days. The below website is a good source of information about building a better credit file. The Federal Trade Commission. Hope it helps|||In my experience there are two types of Bad Credit Credit Cards. One is a secured card, and the other has a much higher rate of interest. Both can be used to rebuild your credit worthiness after getting back on your feet. Secured credit cards are great for rebuilding your credit. You send the credit card company a pre deposit amount set by the company%26lt;!--This amount will be equal to your credit limit. Pay over your minimum every month and send your payment in before the due date and you will build your credit up gradually. Never miss a payment, be late on a payment, or go over your credit limit even by a small amount.

http://best-loans.awardspace.com/credit-...

http://bestcreditcards.freehostia.com/

You don%26#039;t want the company to ever have to take from your pre deposit amount because they want you to handle your account just like you would an unsecured card. A great thing about this pre deposit amount that you send in is it can act as a savings account even earning a little--%26gt;bit of interest for you. After establishing yourself with the credit card company, they may decide to give you a unsecured credit card or increase the limit on the one you have with them without having to make another deposit. Secured credit cards are a good choice for anyone wishing to rebuild their credit history.

Does Barnes and Noble store credit expire?

In like the past year, i bought something and returned it. However only store credit was offered. I still have the store credit card but I wonder does it expire at all? or can I use it when i want to?

Does Barnes and Noble store credit expire?student finance

Only if B%26amp;N goes bankrupt and out of business. If you don%26#039;t see an expiration date then it doesn%26#039;t expire. Your best bet is to just call them and ask though.

Why the discounts and encouragement for credit cards only?

Request to confirm the logic behind the encouragement and discounts being offered only on credit cards and not on debit cards. Infact the debit cards should be more reliable and trust-worthy. Also the airline companies and even some shop-keepers always tries to avoid or do not allow purchases on a debit card. What%26#039;s the benefit of a shop-keeper other than the card company in this transaction. Can we raise our voice against this discrimination?

Why the discounts and encouragement for credit cards only?credit union

Remember- the shop pays a fee every time a card is used in their shop. The fees on Debit card purchases are much more expensive than those on Credit Cards. So I dont blame them for encouraging the use of Credit. As long as you pay your credit bill in full each month, does it really matter to you anyway?

I took a 3 month subscription for a special 锟? for Which magazine, and paid on the phone with my cre

I had the 3 magazines and thought that was the end of it, but,today on my statement I found they have taken a full subscription of 锟?.

when I phoned them they said I had authorised it when I took the special offer, I did not.

They will not refund the money and I have now received another which magazine. I am very annoyed with them because I feel they ahould have asked me if I want to continue, and not just take my money.

Have you had an experience of anything like this where people just take money from your card account because they have the number.

I took a 3 month subscription for a special 锟? for Which magazine, and paid on the phone with my credit card?heart rate

they are a con phone up your bank you have your

credit card with and up hold payments to them

if you phoned them for there free computer guide

liked i did i told them i don%26#039;t want which magazine

i want the free one if you gave them your credit card

details you have subscribed to them,!!

I took a 3 month subscription for a special 锟? for Which magazine, and paid on the phone with my credit card?

loan

It does happen..... You should always read the small print.|||Agree with the 1st answer. I can see your anger but normally for magazine sub or most special offers they are only on offer to get your card details and then...in the %26#039;small print%26#039; they can you can cancel at any time during the special offer, if you don%26#039;t then the subscription will continue...

I would look at it as a learning point and be glad it%26#039;s not a lot of money...but I don%26#039;t think there is anything you can do about it.|||Yes, companies do this all the time. The special offer probably said in the small print that you were subscribing to the full subscription and that to contact them before the offer had finished to cancel it.

You can call your credit card company to tell them that you didn%26#039;t authorise the payment and send back (unopened) any magazines that Which send/sent you after the 3 from the offer.|||These offers nearly always leave it up to you to do something if you don%26#039;t want to carry on subscribing. They hope people either won%26#039;t notice the small print, or will be too lazy to cancel, or will forget to do it in time. It%26#039;s not just Which - loads of magazines run this sort of offer, as well as book clubs.

The following is the summary of their offer I found on their website:

%26quot;You will receive the next 3 issues of Which? for 锟?, as they are published. Your payment of 锟? will be requested within 14 days of your trial request.

You don%26#039;t need to do anything if you wish to continue Which? after your trial period. Your subscription will bring you Which? at 锟?.25 a month, from the 1st day of the 3rd month after the date of receipt of your trial request, until you cancel by writing to us or until we advise you of a change in price.

You will be notified at least six weeks in advance of any changes in the price of your subscription. You may of course cancel your subscription at any time.

If you do not wish your subscription to continue beyond the trial period, simply write and tell us that you wish to cancel it (and to your bank/building society to cancel your Direct Debit instruction if you were paying by Direct Debit) before the first of the month after the receipt of your 3 trial issues. You can keep everything you have already received and you won%26#039;t owe us a penny.%26quot;

So this means that yes, unless you wrote to them and told them that you wanted to cancel, they were going to assume you wanted to continue.|||I got caught by them as well put a stop on the standing order, and that will show them.

Illegal immigrant credit cards. Fair or unfair?

I have been a Bank of America customer since 1982. I have a legitimate drivers license, social security number, and I am a legal American. However Bank of America has never offered me a credit card. What%26#039;s the deal?

Illegal immigrant credit cards. Fair or unfair?credit counseling

Totally UNFAIR!!!! I also am a B of A customer, but i WILL be letting them know my thoughts on thier screwed up plan!!! I will be closing my account ASAP!!! My family,friends,and i will BOYCOTT B of A!!! Hope you all do the SAME!!!

Illegal immigrant credit cards. Fair or unfair? loan

They give credit cards to dogs and dead people to. This isn%26#039;t a supprise, it just shows you how far they will go to get people in debt. They love making money from your intrest every month. They don%26#039;t care who you are.|||no its not fair illegals should be turned over to ins and get deported at thier own expense!|||Thats stupid and supports my theory of that U americans are to blame for illegal immigration. If nobody hired illegals (and if nobody gave them credit cards) they would come back home.|||Though it seems rather unfair, there is no legal regulation that forces any banking institution to use a social security number to verify an individual%26#039;s identity. According to the social security administration site, other forms and numbers can be used for identification purposes. These include:

Form I-551 (includes machine-readable immigrant visa with your unexpired foreign passport);

I-94 with your unexpired foreign passport; or

Work permit card from DHS (I-766 or I-688B)

It just happens that SSNs are much more accessible to verify ID and tax purposes. Ideally they really shouldn%26#039;t because it is over used and is commonly used for identity theft. Now regarding the fact that you haven%26#039;t received an offer for a credit card, maybe you haven%26#039;t met their requirements to apply. Probably not, and you have nothing to lose by asking them. If it is the case, you can apply for credit cards designed for individuals who have no previous or poor credit history so that you can establish a credit history and catch the eyes of financial institutions. I myself as a recent college grad, I didn%26#039;t have a credit card or credit history until mid July of last year. I went to www.creditcards.com and did some comparisons and found some for students with no previous credit history. There is a section for poor credit as well and since then, I was given several offers for credit cards after I established a good history of paying my bills on time.|||Bank Of America is not the only bank giving illegals immigrants credit cards. All banks will soon give credit to illegal immigrants. Real Estates are also letting them buy homes. People may not like it, but it is a new market and it is not going away, like it or not, them time has come.

How do i make extra income working online at home? every option i have looked into asks my credit ca

how can i earn extra money using my computer at home without having to invest my own money? are any of those work at home offers legit?

How do i make extra income working online at home? every option i have looked into asks my credit card #?credit repair

Why don%26#039;t you try selling stuff on Ebay or Amazon? Try it out by selling stuff you already have lying around the house.

Plus, you can get some great tax write-offs if you need them with a home-based business.

Here%26#039;s info on what you can write off from the IRS:

http://www.irs.gov/businesses/small/arti...

Best of luck to you.

How do i make extra income working online at home? every option i have looked into asks my credit card #?

loan

Its FRAUD.........

stay awayyyyyy

THEY USE YOUR CREDIT CARD NUMBER TO SHOP|||been there done that...don%26#039;t be fooled, please!working at home thru web is just a slap on the butt! please please please...but if you want just a little bit of extra FOR FUN, you an try the online games or surveys, but its all a waste of time if you are not a happy camper in the internet.

But believe me, working online at home is not good unless you go to a in person company that will interview you and make an arrangement of how you can work at home. Some grocer companies offers now an at home job as a customer service online....try finding careers in walmart, target, safeway, etc... my friend does some AP at home and is being paid by a real company that she DIDN%26#039;t find online.

Dont try and error in the internet specially with your credit card information. always remember: Who works for someone or a company who needs you to pay them first before having income? Not really fraud but sleak SOAB%26#039;s who wants your money first to invest for themselves and not for you.

oki?|||Take a look at this site it is true and it really works.|||I have been looking for something myself for a very long time. Being a senior, I%26#039;m not as swift as I should be on this Internet stuff. Hoping to supplement my limited retirement income has been a very expensive adventure. I know better than to %26quot;pay for a job%26quot; but the sales pitch is so darn convincing and so darn disappointing. I almost gave up several times but I know that quitting is a guaranteed failure. I spend a lot of time trying to find something that doesn%26#039;t require a lot of knowledge about the %26#039;net nor my credit card number and it%26#039;s the %26quot;needle in a haystack%26quot;. I found what I feel comfortable with and maybe it may help you too. A site that offers digital information and educational products that are delivered automatically upon payment. No web site needed, no investment, no personal selling, no customer service, etc. You just advertise the product using free resources and get paid every 2 weeks on sales made from your referral. I just started myself so I can%26#039;t honestly say that I made a lot of money yet but, I think I will. Maybe it will be of interest to you too. It%26#039;s worth a look anyway. Check it out at

http://www.alakajun.com

I wish you luck in your search.

Does signing up for multiple credit cards reduce my credit score?

I have a lot of offers of airline credit cards that give you bonus miles when you sign up. I am tempted to sign up for all of them but will this reduce my credit?

Does signing up for multiple credit cards reduce my credit score?postage rate

It depends.

Credit scores are based on score card models first popularized by Fair-Isaac Company (that%26#039;s where the %26quot;FICO%26quot; score name came from). FICO is the most popular consumer credit scoring models used by the banking industry, although there are a number of other ones developed by the credit bureaus and even banks.

The model is applied to the credit data in each of the consumer credit bureaus%26#039; database. That is, Experian, Equifax, and TransUnion each have a database of credit information they compiled over the years by the financial institutions who report to them. Each of them will run their own data through their version of the FICO Scoring Model and give you a FICO score.

The way FICO score is comprised roughly in the following way: 35% - Payment History, 30% - Amounts owed, 15% - Length of credit history, 10% - new credit, and 10% - types of credit used.

This means that by opening a bunch of credit card accounts in a short period of time, you would see a negative impact to the %26quot;new credit%26quot; portion of the score.

However, if you didn%26#039;t have many credit accounts prior to this, having access to additional credit may actually improve your score by improving the %26quot;types of account used%26quot; and %26quot;amounts owed%26quot; categories, assuming you don%26#039;t go and max out the credit limit.

I recommend:

1) Don%26#039;t go and sign up for allof them. Just sign up for one or two at this point. One BIG factor in addition to the above is time. Negative events will be weighed less as time passes. At some point in time, having a healthy amount of credit you can tap into and keeping the amount owed low will actually start to improve your credit score. Credit score can change from week to week.

2) Another reason not to sign up for all of them is you don%26#039;t want to spread out your rewards. Since it takes something like 15,000 miles to exchange for a free ticket in a typical mileage program, by concentrating on one or two cards will give you the rewards faster. Otherwise, you may have miles in 5 different cards and no ticket on any of them.

Does signing up for multiple credit cards reduce my credit score?

loan

yes. even checks on your credit can lower your credit score.

if you want the bonus miles picke the best one and get that card. it iwll not lower your score by much. the miles and savings are more important than a point or 2|||Ok depends on how many credits you have. For example I think you shouldn%26#039;t have more than 6. What most people do is they have many but they don%26#039;t use all. Some of them they have but don%26#039;t use at all to build credit score. Now the ones they use they don%26#039;t max them out. You should only use 30-40% of the amould allowed. Max ur credit card and having too many credit card can yes lower ur credit. So if u only have few it actually help build ur credit..Just make ur payemnt on time and don%26#039;t max it out|||yes|||Yes it could.|||You bet your life it will.|||Yes it does lower your credit score.And it takes 12-24 months for each inquiry to come off your report.But there are agencies that say they have a method that gets it off sooner than later.|||Yes. Read this

http://www.ehow.com/how_2002988_raise-fi...

(step 6)|||yes

Can someone give me some advice about the judgement on my credit report?

I never had a credit card but wanted one . I applied at small department stores to get my first credit card but i was denied for insufficient credit . Being offered a free credit report i wanted to see what was on it. Everything was clear but it said i had a judgement of 8,000 dollars plantiff was the probation office I was entitled to pay restitution and signed a plan to pay 250 everythin month for 3 years but i paid everything off in just 6 months . How can they put a judgement on me when id id make my payment on time...i signed a form indicating i will pay every month..aren%26#039;t judgements given to those who don%26#039;t pay their debt or restitution. Do i have the right to dispute this ..Is this information on my credit inaccurate . I%26#039;m really concern now %26gt; I wanted to get my first credit card and start building credit to have a sucessfull future . I went from No credit To judgements on my credit .without ever having a credit card on my hand. please HELP.

Can someone give me some advice about the judgement on my credit report?honda finance

The Judgment was filed when it was issued....It was probably filed with your County%26#039;s recorder%26#039;s office....so any inquiries w/ your social security number would show up....

Contact the place/person to whom you paid the entire judgment and ask them to file somesort of Satisfaction of Judgment document......my guess is so few actually pay their debts they are not in the habit of the %26quot;follow up%26quot; document.

Call the credit agencies ALL THREE and get the detailed information that your %26quot;creditor%26quot; needs to clear this up with little effort on their part....its your credit...protect...

Can someone give me some advice about the judgement on my credit report?

loan

My husband found out he has a 1700 judgment on him for something he already paid all the way off and we were told by the home loan company we%26#039;re going through that we%26#039;ll have to contact whoever he paid off and tell them to REMOVE it. You may need to do this too and show your physical proof of payment.|||Make a copy of your credit report AND a copy of your satisfying restitution and find the head of the probation department and submit this telling them you need this removed from your credit report ASAP.

Give them a couple of weeks (bureaucracy is SLOOOW) and then find out what the status of this supposedly is.

Especially if they claim they removed the info or showed the judgment is satisfied, then contact the three credit bureaus and challenge the judgment info on it--it%26#039;s SATISFIED not outstanding.

Go to

annualcreditreport.com

for the contact info for the three companies.

I would guess this will take around 3 months to clear up because people are slow.|||You can get those out of your credit reports, do not proceed as the other people are advising you, you rather go to the center of your problem, send a copy of the satisfaction of that judgment directly to all three credit bureaus and tell them that as per The Fair Credit Reporting Act, and the Federal Trade Commission, they need to remove all innacurate entries on your credit. The fact that you have the credit bureaus update your profile, will help you only partially, since it will affect you for the next 7 years, it will show as a paid judgment, but you could delete the whole entry from all threee credit reports to Credit Restoration. As far as establishing new credit, you should consider getting a secured credit card, I represent a credit union that offers both of them, contact me at 847-322-9982 or at my website: www.bettercreditcontol.com for more information, sincerely|||contact the attorney who had the judgement against you.... They need to get it off your record via the court system. If you paid the debt it should be a relativly easy fix.

Does anyone have a Juniper Visa card?Are there credit limits similiar to WellsFargo Visa?

I got an offer for a Juniper Visa card with a incredible fixed rate interest with no annual fee. But I don%26#039;t want to bother with it if they give small credit limits that aren%26#039;t comparable to the big banks.

Does anyone have a Juniper Visa card?Are there credit limits similiar to WellsFargo Visa?heart rate monitor

I also have a Juniper card, it%26#039;s my favorite because its the lowest APR and never hopped up in the few years I had it unlike all my other credit cards.

The limit is just about where the others are for me.

Does anyone have a Juniper Visa card?Are there credit limits similiar to WellsFargo Visa?

loan

I have a Juniper account. I would not say they have low credit limits. If you are thinking about a balance transfer, it is becoming quite common to see an automatic 3% fee on the amount of the transfer. Buyer beware.

Are those "fraud protection" offers really worth it?

Are those %26quot;fraud protection%26quot; offers that our credit card companies constantly try to push on us really worth it?

Are those %26quot;fraud protection%26quot; offers really worth it?credit card debt

It%26#039;s like any other insurance. You may never use it, but if your card is lost or stolen it will pay the charges.

How can I make some extra money online if I am not a US or Canadian Citizen and I do not have a cred

I have tried several different ways like paid to click and read emails and paid to try offers (I find that these offers are mostly available to US citizens). I have signed up with a lot of international paid survey sites, but is yet to receive an invitation to participate in a survey. I realize that a lot of the typing jobs advertised are scams. I have the time and unlimited internet connection. How can I find an online job or some way to make some extra money online, without a start up fee?

How can I make some extra money online if I am not a US or Canadian Citizen and I do not have a credit card?care credit

You could sell stuff on Postaroo or Craigslist.

You can post pictures and your phone number or e-mail address. It%26#039;s fun.

Can i get a completely free domain which i can use for my website, some like .com,i dont use a credi

hi all, i have a site : playwithlight.co.nr, which i want to change to . com. plese suggest a site which offers completely free domain name, i already have a hosting, all i want to do is redirect the subdomain into the domain name of playwithlight.com or .net or ... for free. plese suggest.

Can i get a completely free domain which i can use for my website, some like .com,i dont use a credit card .?inflation rate

look at these:

http://www.free-webhosts.com/webhosting-...

Can i get a completely free domain which i can use for my website, some like .com,i dont use a credit card .?

loan

you can only get some for free like .tk and .cjb.net from www.dot.tk and www.cjb.net, search around for more free domains.

New job - requires a charge card? bad credit rating what should I do?

have just been offered a position at Pricewaterhouse Coopers, at interview I was never asked about financial history etc. I resigned from old job and got contract through today. It is mainly fine, altho did ahve to point out I had to make compromise payments to criedtors through CCCS, I have several defaults but been paying back for over a year (altho credit check shows only the defaults and not the fact ive been paying), anyway it also says I need a charge card for expenses with american express, how do I get one if i ahve a poor credit rating? I dont want to lose this job, it is my dream job. I only just managed to get a 32% capitalone card recently.

Any ideas? will they just give me on as its a coporate card? it is in my name still and does mention they will credit check me?

New job - requires a charge card? bad credit rating what should I do?credit bureau

I%26#039;m not familiar with PwC, but I used to work for KPMG and I imagine that the system is the same.

They give you the card as a corporate card. Therefore you personally are not liable for expenses incurred on it - the company is - and having a poor credit rating won%26#039;t matter.

They issue them to almost everyone in the company - not admin staff, but pretty much everyone else. This is how you pay for things such as flights and hotels, rather than the way in which other companies do it which usually involves having a company account with a travel agent or something. I guess it%26#039;s just easier to keep track of which expenses are for what in such a large company.

New job - requires a charge card? bad credit rating what should I do?

loan

wow, good luck to you. That is an awesome company. Call up Human Resources or go in and talk to them. Tell them your situation and I am sure they have dealt with this in the past. And whatever you say to HR, stays in HR, so don%26#039;t worry about embarrassment of it getting out.|||get a prepaid debit visa or master card that u can recharge it has ur name and an account number in it|||You can forget about that job now.|||No legitimate buiness will expect you to use your personal card for business...if they do they are scam artists.|||Corporate card.

And I do so hope the job you got doesn%26#039;t require the ability to spell !|||Go to www.greendot.com

I would highly recommend it.

I use it for my daughter that is in college.

You can use it anywhere.|||Is that the sort of talent PWC are hiring these days. Thanks for the warning. 32%? Wouldn`t it be easier to just burn your pay cheque when they give it to you?

Airline discount card?

For, Us Airways or United airlines or Delta Airlines or southwest airlines or northwest airlines offer a card (NOT A CREDIT CARD) that if I pay alot of cash for it i only have to pay a certain percent of the airline ticket.

Airline discount card?mortgage lenders

If you want to use a reward credit card for getting free airline tickets, you have a choice of choosing a dedicated airline credit card, a travel reward credit card or a cash back credit card. A dedicated airline credit credit card has hefty annual fees and may not be worth it if you are not a very frequent traveller or do not spend enough on your credit card.

If you decide to get either a no annual fee travel reward or cash back credit card, how would you decide which is better? This article examines how you should go about making this decision. apply online for a best airline discount credit card at: http://www.credit-card-gallery.com/Airli... and get instance approval.

Airline discount card?

loan

I don%26#039;t believe such an animal exists.

Is there a way to get out of credit trap of Credit Cards?

First a lucrative credit offer. You get trapped. To come out of the trap you take another credit.YOu avail a bigger credit to repay another credit. You are offered penny concessions at the cost of pound iterest rates. You go penny wise and pound foolish. You find yourself in a debt-trap. Hou do you think you can escape honourably?

Is there a way to get out of credit trap of Credit Cards?unemployment rate

Learn to live within your means.I%26#039;m not trying to come off harsh here,its justa simple fact that so many people can%26#039;t grasp.What you need if you want something you can%26#039;t buy right at the moment is a better job,not a credit card.

I know people that have to go out and buy something just because someone else got/has one now,even if they don%26#039;t need it.(Keeping up with the Jones%26#039;).

Hunker down,put the cards away,and work on paying the debt down.(You bought all that stuff now you own it.)

Is there a way to get out of credit trap of Credit Cards?

loan

This is a crap answer- Rip the basards off like they tried to do to you!! Report It

|||i don%26#039;t sign your name on the dotted line|||You would not believe how many people I have hear who fell into this same trap.

Fall behind on a card, get a loan to pay it off, then run it up again. Then get another loan, run up the cards all over again.

Many thousands of people ended up filing for bankruptcy last year, because the credit card companies made it so easy for people.

Gotta really budget yourself and try to get caught up. Quit getting more credit!|||It%26#039;s beautiful really...

1) Make a decision... Are you really going to struggle for about ten years to pay these off OR are you already too far gone?

2) If you are too far gone- **** %26#039;em! Take out as much credit as you can and liquidate it un-traceably (Foreign currency works well). After EVERY major withdrawal of credit, ALWAYS make AT LEAST ONE minimum repayment from your stash against the debt (This protects you from allegations of fraud)

3) %26quot;Disappear%26quot; For six years (In the UK- Best check if in the US Etc) You only have to move a few times and changing your name will help loads later on!

4) DO NOT Underestimate the ability of credit reference agencies to track you. NEVER Answer any unsolicited mail that you recieve. AND NEVER Apply for any credit during your six year disappearence!

5) And, never underestimate how much money the stupid lending bastards will grant you... They love to think that they have you by the balls- Show them you mean business.|||STOP USING CREDIT CARDS AND PAY CASH FOR THINGS YOU NEED.

DUH!!!

STOP SIGNING UP FOR CREDIT CARDS, STOP USING THEM STOP INCURRING DEBT!!

PAY MORE THAN THE MIN PAYMENT AND STATE ON YOU CHECK THAT YOU WANT IT TO GO TO PRINCIPLE.

STOP CHARGING THINGS!!

AND FOR ONCE I AGREE WITH STUDLY

Recommend a Credit Card Merchant Provider (cant decide Plz help)?

hey guys i need some help in deciding a merchant + gateway for my ecommerce website. I have googled alot and came down to 2 companies that i think are OK. Please help me decide which one is better or if you have had experince with these companies please share your openion. These are the rates i have been offered.

-----------------

BOA merchant services:

US visa/master/disvry : 2.10% + 0.20 per trans

US visa/master debit cards : 1.85% + 0.20 per trans

US visa/master/disvry reward or corp cards: 3.10% + 0.20 per trans

amex : 3.50 + 0.20

international visa/master: 3.2% + 0.20

chargeback $15

monthly fee $20

3 years contract

visa/master yearly fee $38

-----------

ECHO MERCHANTS

US visa/master 2.25% + 0.30 per trans (same rate for debit visa)

US visa/master/reward or corp cards: 2.33% + 0.30 per trans

amex : 3.25%

disvry : 2.22% + 0.10

international visa/master: 2.94% + 0.30

chargeback $5 ( very low chargeback fee)

monthly fee $10

3 years contract

Recommend a Credit Card Merchant Provider (cant decide Plz help)?credit card offers

Echo Merchants. I found interesting information about your answer %26amp; credit card options here. Goodhttp://all-debt-consolidation-loan.blogs... luck!

Recommend a Credit Card Merchant Provider (cant decide Plz help)? loan

I would go with Echo Merchants but i do not have any experience with either of them. Just based it on the info you provided.

Why doesn't Bush just offer guaranteed acceptance credit cards instead of giving away money tha

Isn%26#039;t the stimulus package that he%26#039;s urging everybody to accept as fast as they can even stupider than the one he gave out that ate up part of the surplus before?

Since it%26#039;s all based on borrowed money, why not have everybody who gets it be held responsible for paying it back by making it government issued credit cards with something like say.... an $800 dollar limit? This way, it won%26#039;t be forcing future generations of children to pay it back. They%26#039;re not getting the money anyway. Does this sound more fair?

Why doesn%26#039;t Bush just offer guaranteed acceptance credit cards instead of giving away money that adds to debt?credit check

Because he does not care that he is bankrupting America like he did the oil companies he ran. Just borrow more money put us deeper in debt to the Chinese and Japanese. And republicans cry that taxes may have to be raised how do they think the national debt bush has put us in will be payed for?

Why doesn%26#039;t Bush just offer guaranteed acceptance credit cards instead of giving away money that adds to debt? loan

Be better for a government buyout of housing which could then be sold to low income families. As the market recovers some of those government owned houses might increase in value. The Government could help people who are in trouble and invest in an asset that could payoff in the future or at least be used to provide a need for the public. It would put a lot of money into the economy and we might get some of it back.

Credit card debt..Being sued.?

I was contacted by Zwinger and asso. stating amex has hired them to sue me for the full balance of my debt. Which now comes to about $9100.00. The account fell behind in oct/07. The %26quot;attorney%26quot; who contacted me stated I must pay the full balance or i will be served with papers. He also stated if they sue me, I will have to pay all court cost, attorney fees, and interest and the judgement will stand for 20 years.

My mom has offered to loan me half the balance, and i called Amex to try and settle but before i could say anything the person stated they no longer handle my accoutn and hung up on me.

What should I do?

Credit card debt..Being sued.?student finance

File Chapter 7 or get Bill Consolidation. do it asap http://www.debtconsolidationunion.com/

Credit card debt..Being sued.? loan

contact a debt consolidation place. They can lower the payment and get a payment plan to pay the balance. This site might help you out.

http://www.creditsolutions.com/getstarte...|||If your credit is good you should move the ballnce to another card and pay it off slowly. Use your mom%26#039;s money to cut the balance in half and pay less interest. Also you should check your score to make sure you have no surprises later .

Having a high credit score can mean the difference of thousands of dollars of saved interest expense compared to others with a lower score. For example, if you improve credit score results from the credit bureaus, just a few points that increase your credit score can make huge difference in the interest rate you will pay for a home purchase. It pays to increase your credit score!|||Why do you have 9100.00 in credit card debt? Borrow the money from your mom and PAY YOUR BILLS !!!!! Call the people handling your account and tell them you have half and would like to make arrg. to pay the balance. Get a job if you don%26#039;t have one take responsibility for your actions!!! I%26#039;m not sure how old you are....but you%26#039;re really starting out on the wrong foot. Do you realize how hard your life will be if you have bad credit? You%26#039;ll go through life explaining your situation to everyone. SAD and pathetic!|||For starters, judgments only stay on your credit report for 7 years, not 20. It sounds like he is just one of the flunkie collection attorneys throwing around threats.

The bottom line is if you can%26#039;t come up with the settlement he wants, then it will go to court. At that time, you can file a motion with the court to order installment payments for the amount you can afford to pay.

For now, you need to send this guy a demand to validate the debt. Be sure he is not padding this bill with a lot of illegal collection fees and interest.

Note that yes, you do pay court costs and %26quot;reasonable%26quot; attorney fees, you need to make sure this fool isn%26#039;t charging $250 an hour. The court already sets a fee they can charge, but you need to be sure he doesn%26#039;t pad it.|||Do not file for bankruptcy..try contacting any other debt consolidation company. I know one which is trustworthy http://ezconsolidation.com they had helped me when i had faced debt problem a few years back

Try to consolidate your debt ASAP. As more you delay more it will affect your credit score.|||Hi,

I used %26quot;Credit Solution%26quot; to settle my debt and improve my credit score.They managed to reduce my debt up to 58% .It%26#039;s legitimate.I came across this company on NBC News Special Edition.Check it out here:

http://simurl.com/rektet