marlondirk asked:

As more and more Americans use credit cards to help them get the things they want in life credit card companies have to come up with new strategies to get them to choose their card. There are credit cards offered by specialty stores, banks, department sto

Amanda

brinnasmith18 asked:


Im trying to establish my credit now but this is my first time applying for credit. I’ve never owned a credit card before. Everyone I apply to is declining my application due to the fact I have no credit history. Can anyone give me some suggestions on who I can look to to apply for a credit card, who accepts applications for people new to credit???

Rose

Diana asked:


I am currently 25 years old with one major credit card that I have held for nearly 10 years. I carry a few store credit cards as well. I pay all of my credit card bills on time, in full, never carrying any outstanding balances on any cards. All car payments paid on time, no student loans left…I recently checked my credit score for mortgage purposes and it was mid 600s. I was also denied a major credit card application based on my current score. What can I do to improve my FICO score??
I am currently 25 years old with one major credit card that I have held for nearly 10 years. I carry a few store credit cards as well. I pay all of my credit card bills on time, in full, never carrying any outstanding balances on any cards. All car payments paid on time, no student loans left…I recently checked my credit score for mortgage purposes and it was mid 600s. I was also denied a major credit card application based on my current score. What can I do to improve my FICO score??

In reply to comments – score pulled by bank for mortgage purposes, showed scores from all 3 major agencies. Read through the credit report fully, no red flags. I can’t figure out what pushed it down unless perhaps I just haven’t built it up enough?
Also, no changes in my credit limit.

Herbert

Black Metal asked:


iTunes gift card.. in canada.. i really dont wanna pay with my credit card – help!
I mean for the account on iTunes

Minnie

Mommy of two beautiful ♂ asked:


My husband and I were to apply the credit card by PNC bank from last week and now we got the mail saying they couldn’t unable to approve our application at this time for one or more of the following reason was no credit file (no credit files on both parties and insufficient number of credit references provided)… Now what do? We really want to have credit card but I don’t know where else we can apply credit card? Please help because we are trying buy a house with credit card.

Thanks

Marian

Stephen Campbell asked:


When applying for credit card, you must consider some credit card application tips.

Credit card application tips give you essential idea on how to avail some features that are best for you like saving interest rate- saving money from your payments, etc.

Nowadays, almost everyone have alt least one credit card. This is not a shocking trend because we know how credit cards help us in so many ways- and sometimes finance-related problem.

In America, for example, the average family owes between 10-20 various lenders, and almost 50 percent of these through credit cards. Having a card for credit is not that difficult to achieve since the past years. However, this produces good and also bad results. As you might have experience, we can have want we want faster but we end up paying very much more in the long run. If terminating your c-card is not that practical idea, then you must consider some money saving tips for at least you will not face a great burden that can be encountered if your credit card is in misused.

When you want to have one, you must think that c- card companies make their money by imposing interest rate. Every month a part of your payment goes to clearing the balance and the rest, of course, to interest. Some credit card companies have been accumulating more than enough to be imposed. Some companies, in fact, are generally imposing 30-40% interests. This scenario has been encountered by many card holders. Saving money is difficult to achieve, it is difficult saving interest rate – common complains. Can we still be saving money if we are owning a credit card? Yes, definitely! That is, if you consider some credit card application tips.

For those in situation mentioned, you have a few options; this is significant for saving interest rate. You should try to apply for card hosted by major credit card companies such as visa card or master card. Having one such as visa card allows you to have much lower interest compared to others; hence you can be on saving money. Though, interest rates vary depending on which bank it is through, still you can be of saving interest rate. So, for now, you can consolidate your high interest cards to major card and start saving money.

For those that have cards by major providers,already, there are various credit card application tips to help you in saving money. As we all know, there are several C-card companies that are in competition. You can take advantage of this opportunity to choose which one serves the best for you. First, you can phone your c- card company and ask of lower interest rate for you to start saving interest rate. If you are a good payer, you can have this request granted. However, if not, you can roam around and look for other major credit card company that can provide what you need.

Cards can be quite costly over a long period of time. However, by following the credit card application tips in this article, you can minimize your payments essential and keep more money for yourself.



Cody

Almost a Mommy asked:


I want to get a credit card because I am soo freaking tired of not having credit. Ex: if I want to hook up electricity or even something as small as getting a cell phone in my own name I have to pay this huge deposit..because of not having enough credit….so I wanted to get a credit card so I could put like $25 on it and paying it off each month…But I cant seem to get one…none of the credit card companies will accept my application. I want a credit card that has no annual fees and as low rates as possible for up to 12 months…can anyone help me out..or atleast suggest a card that will accept me and is a good card? Thanks for any help.

Jon

Joey L asked:


I want to know why is it that as soon as high school graduates go into college or go for a higher education that credit card companies mail them applications to obtain credits cards. I do not know how credit cards fully work I only saw how devastating it can be if not managed properly. Due to my father’s history, I’m hesitant to apply for credit cards when the time comes.

The reason why I’m curious is because there are things that can only be purchased online. In example Gundam models and etc or things on ebay. I admit the main reason why is because I have gotten a spark of interest to buy and collect Gundam models again, but the only area I can buy them now is online.

I know that gift cards can work in the same way as credit cards when online shopping, but I fear that my father might be worried that I will end up going down the same path he did and in the future I would have to declare bankruptcy.

I just want the know things about Credit cards and how to best manage your expenses when having a credit card

Annie