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.