credit card? ok, i'm planning to get a credit card for first time, i don't have credit backgrownd,so, how do i start or what do i have to do to start credit backgrownd?, and what's APR?, thanks if you can help me.

>? do we have to pay the credit card company if we are not using it even for a penny?

What credit card would you recommend for someone trying to re-establish good credit history? I have decent credit but I had cancelled all my cards when trying to get out of debt. I am now free of all unsecured debt but I need to have a card so in the future I won't be hurt by having no credit. I'm thinking I want a card with no annual fee and a low APR. The card would only be used very occassionally and paid off immediately. I have no desire to repeat previous mistakes. Does anyone have any recommendations for a good card for this purpose? Okay, as I said, but everyone is skipping, is that I have decent credit. My credit score is 700. When I got into trouble I went into debt consolidation right away BEFORE my credit got screwed up. But I do appreciate those of you who are taking the time to answer.

Should I get a credit card? How do you choose the best credit card? I just finished college, and work full time. I have a debit card, and building good credit from paying off loans. A lot of people have been telling me to get a credit card, but I wonder if it really is necessary. Please give me some good reasons to get a credit card other than building good credit. The only other advantage I know about is those point-system/rewards credit cards, that earn you miles or other things. And what is the best credit card to get for a first time credit card holder? The number of choices are a little overwhelming. How did you choose your first/main credit card?

What credit card companies give you a credit card with bad credit? I have terrible credit!! The only card that I am able to sign up for is a pre-pay card where I basically borrow my own money. I need to establish good credit somehow any suggestions?

What is a good credit card to get that you almost will never get turned down for? I currently have two credit cards, but would like to get one final one. I've been getting turned down for a few recently that I thought sounded good. What are some good cards and websites where I can get a credit card that almost every gets approved for? I'm young(21) and trying to establish some more credit. My friend got approved for a Best Buy credit card tonight and his credit isn't that good. However, I just want a main card(for example: visa, discover) and not a store card. Thanks for any help.

What credit card should I look into getting? I am looking into getting a credit card for emergencies only, though slowly building up my credit is a bonus. I am mainly looking to get a credit card because I will be studying abroad in Ireland in January and would like the security of a credit card for emergencies. What types of cards would be best for a 19-year-old college student that would be accepted in Ireland and what types of things should I look for in my search for the best credit card for me? Again, this card would only be used for emergencies. Thanks!

What credit card should I go for citi bank or bank of america? I have a credit score of 700 and wanting another credit card. I was thinking about citi bank or bank of america. What one should I get? I only have one other credit card from Wumu. I want a credit card that report to the 3 credit bureaus every month. Anyone has either one of these cards, if so, what one did you like and why?

What credit card company offers the best deals on Business Credit Card? I have good credit and im in the market for a business credit card. What company offers the best rates, offers, cash back programs ect? Please give me some ideas on programs i should look into from the major cards like, AE, Discover, MC, and Visa.

Is credit card debt considered an open account or a written contract? I live in the State of Georgia and am being sued over an old credit card that I defaulted on. It has been more than 4 years but less than 6 years since the date of default, so depending on whether credit card debt is considered an open account or a written contract in the State of Georgia, the Statute of Limitations may or may not apply. The Staute of Limitations is 4 years for open accounts and 6 years for written contracts. Does anyone know for certain which type applies for credit card debt in Georgia? The account is with Citibank MasterCard and was opened in the late 80's or early 90's. Thanks.

My credit card balance is over 50%. How long will it take my credit score to go back up? Hi. I recently just got my first credit card ever and used it to make a $1600 purchase. The credit limit is $3000, so obviously I'm over 50% of the balance, and I just learned that's bad for credit scores. I expect to be able to pay off the purchase in the next two or three months. Will my credit score go back up immediately after I get the balance on my card down, or will it take a while? Thanks.

Is a credit card number really valid for a deposit on a service? I own a small business which often takes credit card numbers over the phone as a deposit. We recently had a customer no show, and she contested through her credit card company when we charged her (she claims it wasn't explained when she gave us her #). The credit card company took her side and said it is policy to allow anyone contesting to get their money back if there is no signature. How can this be? So many hotels and services take card #'s as deposits!

What is Travel credit card? Which is the best credit card company for visa card and master card? What is Travel credit card? Which is the best credit card company for visa card and master card? I’m thinking to get a visa card and want to know that travel credit card allow earning point when you use it for purchase.

What is the ideal credit card for a college student to get? I am looking to get a credit card basically for emergency purposes (mostly for those unexpected car repairs) and christmas time when I don't have the money for gifts (I have a large family). What would be the ideal credit card for me to get? I have2 store credit cards, which are always paid off before I even recieve the bill, and an excellent credit score due to those cards, and student loans. I am looking for a card that doesnt have an annual fee, any suggestions?

How can I get my credit card company to report account information? I got my credit report today and it shows that my total credit amount is $300 and I have $296 available. After further inspection I noticed that only one credit card had reported a credit limit/max balance and that all of my credit cards hadn't been reported since April. Is there an effective way to contact the credit card companies and get them to report accurate and up to date information to the credit bureaus? I feel that this issue is affecting my credit score, so I would like to fix this. Thanks in advance.

What credit card is higher a Band of America Platinum Plus or a Bank of America Signature Credit Card? With the World Points Credit Card what is higher a Platinum Plus or a Signature. What is the difference in terms of APR, Eligibility etc? What is the highest level of cards? Is My Concierege a good service? Are the airfares really without blackout dates? Is there accident insurance. With the new Bank of America World Points card with 1.25 points is the Platnium Plus the highest level?

What type of credit card can I apply for and get approved with current bad credit to start rebuilding? Im currently disputing a lot of derrogatory info on my credit reports from all 3 agencies. I currently have no major credit cards and was informed that if I opened a credit card account and made the payments on time that would up my credit score.

Is giving my credit card,debit card and bank account information to paypal and ebay safe? There are rumours about money theft by unauthorized persons from your debit cards,credit cards and bank accounts.I am planning to do business online.Will it be safe to give my credit card, debit card and bank account number to paypal and ebay.

How exactly does a credit card work? I want to apply for a credit card that starts out with a minimum credit line of $300. If I get it, it will be my first credit card. If I get the $300 credit, I want to make a purchase for like $200. Is this a good thing or a bad thing to do? Can someone give me some good tips on handling a credit card without getting bad credit? I will mostly be using this card trying to start an at-home business. Ya mama b*tch. Eat my p*ssy, h*e!!! Oh, rudecatt63, you've hurt my feelings ever so much, I'm going to cry....NOT. For someone who keeps visiting the GLBT section and has a rainbow in they're background, you sure do do a lot of gay bashing. Self hate is so stupid. But then again if I were you, I would probably hate myself too.

What is the best credit card for an 18 year old? I am only getting a credit card so that I can make small purchases and pay them off right away to build my credit. Please do not lecture me on how to use a credit card, I am already fully aware. I just want to know which credit cards have the lowest rates for an eighteen year old with no credit. Thanks in advance! If you are just going to answer "none' don't bother.

what is the best credit card for a first timer who wants to build credit? I am very responsible with how I spend money, so please don't lecture me on how credit cards are so dangerous. I've waited til I felt financially secure enough to get one. I just want one so I can work on establishing credit. I want to make one or two monthly purchases and pay them off so I can have some credit. I just want to know what kind of card should I look into getting. I know I want a card with low-intrest rates(who doesn't) and no annual fees. I am also a college student. If you can give me any information on a card you think I should look into, please let me know. thanks a bunch.

Is a secured credit card a good way to establish credit? I have no credit history cause i've never had a credit card or borrowed money or anything and I want to establish credit now. well I applied for a credit card that required a deposit..secured credit card will that help boost my credit and how high will my score go once i start establishing credit?

Closing a credit card account that is inactive? How much will it affect my credit report? I've had this account for about two years, and I haven't used it in a long time, and I'm thinking of closing it but I don't know how it would affect my credit report. This is a secure credit card, with only a $300 limit. I have two other credit cards that I use a lot more often and I've been very responsible about paying bills on time.

Which credit card companies will give credit cards to someone who is a discharged bankrupt? A friend of mine was made bankrupt a few years ago, but has been discharged for about 18 months or so. So he can try and build his credit up, which credit card companies would allow him to obtain a credit card? He is not interested in the interest rate etc - he just wants a company who will definitely say yes, as if they say no, it will make his credit scoring worse.

What is the best credit card for an 18 trying to build credit? I’m soon to be 18 and am looking to get a credit card to help build credit. My dad said the best thing to do is to just use it to buy gas, but I’m not really all that up to date on how credit cards work and which ones are the best. Does anyone have any wise credit card wisdom to pass on to me?

What category does a credit card loan go to when the debit is for equipment for your business? Will my credit card be under a cost of goods account, expense account, loan or what? The equipment had already been paid in full by the credit card, now we are paying the credit card off. Should I name the credit card as a vendor?

What is the best credit card to suit my needs? I want a credit card with a good balance tranfer offer. Six months at 0% will do fine. It might be nice for it to be otherwise a good credit card too because I might pay the balance off in about a month and still want to use the credit card. I already have a Amazon credit card with Chase so I think I need to use a different bank.

What is the best credit card to get for a college student? I would like to know which credit card is best since I am a college student. Some people tell me it's "Capital One" other say that's the worst since they get unknown charges, others say that the credit card from your bank is better. So which credit card has been best for you guys??? This is my first time getting a credit card (in which I hate them' cause u get addicted to it) so I have no idea of which 1 to get.

What credit card can I apply for that does not check credit? I am attempting to build a positve credit rating and I need a card that reports to the credit bureau, but will allow me to obtain it without a credit check. HELP?

What is the difference between a credit card and a pre approved credit card or is there no difference? I am looking to raise my credit score and I have been turned down buy credit card companies and I spoke with someone that said I could get a pre approved credit card but i thought all credit cards were pre approved. Please help me I need to raise my credit score. Thanks

What is the best credit card to apply for for the first time? I have years of excellent on-time rental history, however I have no credit because I've never been in debt (always pay bills on time) go figure. I was wondering which credit cards I could apply for, for the first time. Wal-Mart Credit card rejected me because I have no credit, and I'm just looking for something small so I can put things on the card and pay them off quickly to establish some sort of credit. Any suggestions?

Can credit card companies close your accounts without warning? How does it affect your credit score? I received a letter in the mail from Juniper (iTunes Rewards) stating that they have closed my credit card account due to inactivity. I opened the account about 18 months ago and have never actually used it. Can they close my account just like that without any warning? How should I handle the situation? (Is there anything I can even do?) Also, I know that closing credit card accounts lowers your credit score. Does anyone know how much mine will be affected?

How will requesting a new credit card but not activating it affect my credit? I requested a new credit card with a lower interest rate than my two cards now with the intentions of paying off the two cards with my new card. The new card credit limit is not enough to pay off the other two, however, so I don't want it anymore. I requested it online, was "approved," and just received it in the mail today. What will happen if I just throw it away without activating it?

What kind of Credit Card processor should i use to accept credit cards at an arts and crafts fair? I'm going to have a booth at an arts and crafts fair. I'm not sure how to accept credit cards. do i have to go with the manual cordless credit card machine or are there more options. thanks How do i get the wireless equipment free?

I transferred two credit cards to a new credit card. How long does it take to officially go through? I did this last week. My new credit card is showing the balances of the others, but the old credit cards are not showing that they've been paid.

What is the consequence for paying off your current credit card debt with a new credit card? I have 2 credit cards and they're not even that much. I've been paying every month to reduce the balance but after interest charges, it seems to go straight back up. I recently checked my credit score, and it's in pretty OK shape. I know if I get another credit card, my credit limit will be enough to cover for both debts. My plan is to just get a new credit card with no interest for one year and pay them off then cancel my other 2 credit cards. Is that a safe idea? Will it affect my credit score (negatively) that much to do so? Thanks.

Is there a credit card for young adults that have no credit what so ever? Alright, I have searched the internet and asked people this question. I want to get a credit card to help build my credit. But I am having trouble finding a real credit card. I do not want a debit card. I know they exist, so please help me. Is there a real credit card for people with absolutely no credit?

What is the best credit card to start my credit? I recently turned 18 and im in a great living situation. i live with my dad, make about 1000 a month and im a musician. I wanted to buy a new bass and amp, but more importantly need to start my credit. I already have the money to buy the bass today, but i wanna see if i can start my credit with this purchase.The stores i went to say i need at least a 700 score to apply for their credit. Is there any credit i can apply for, without having to pay financing and apr and so on without having credit to begin with. My plan is to buy the bass with credit, pay it off right away, and probably cancel the card right after.

Can credit card companies sue an estate of someone who has died to collect outstanding balances? My father in-law has incurable cancer, and outstanding credit card debt of about $55K. Can the credit card companies sue his estate or children to collect the outstanding balances on his accounts once he passes away?

What is the best credit card to apply for to rebuild credit? I have a pretty low credit score (597) and want to begin rebuilding my credit. The score is low from charge offs about 3 years ago. Is there a certain bank or credit card that is easier on people like me that will give me a credit card? And yes--I do plan on paying on time. It would be for small simple purchases that I would otherwise buy with cash and could pay off easily each month.

How is a credit card considered a written contract instead of an open account? I am being sued by a collection agency for an old (over 3 years) Visa credit card debt. I live in Alabama and the Statue of Limitations on Open Accounts is 3 years. I hired an attorney but he says that I probably will have to settle because it is not an open account but a written contract account which has a SOL of 6 years. He says this because the collection agency produced a piece of paper that I signed when I opened the account (basically it's the credit card application). I researched on my own and most information that I found says that credit cards are always open accounts. I did find one place (Wiki Answers) where someone said that credit cards could be written contracts. Is my attorney wrong or can this indeed be a written contract in some way. I really need to know before I go to court. Please give me some type of solid backup to your answer and not just your opinion.

How does a credit card work and why do I have to get one? I just turned 18 and I am trying to get my own place but they said I need to have good credit. To have good credit, they said I have to build good credit, but the only way to build good credit is to have good credit. Why is that? I was looking at credit cards and purchases become way more expensive when you buy them a credit card. So why use one? But to build credit you need to use one. Am I mistaken? Could someone explain how a credit card works please?

What credit card company processes transactions quickly into the system? When I make a purchase with my debit card and go home to check my bank account , the purchase is already in the system. But when I use my credit card it takes at least a couple days. If there are any credit card companies that process as fast as using a debit card, please let me know, Thanks

How does getting credit back on your credit card work? Let's say I buy something for $100. I return it and they say I will have that credit back on my credit card. So now my credit card balance is $100? What if I paid for that $100 already and then returned it and got credit back? Can a credit card have a balance and have money withdrawn from it?

How do I get a credit report with out a credit card or checking account? I spent some time in jail and my credit card expired. Currently I have no checking account or active credit card. How do I get a credit report? All the sites I have seen require a valid active credit card.

What to do when your credit card company causes overdrafts at your bank? I recently paid my credit card bill of $2.27, however the credit card company entered the payment as $227.00, causing $50 in overdraft fees at my bank. The credit card company had me fax over a statement with the bank fees on it so they can take care of it, however after 3 weeks they still haven't done it, they tell me that they don't even know if the statement is in the building and that they get hundreds of faxes a day and as soon as they get to it, they will handle it, what if this takes months? Is there a way I can make them take care of this matter more quickly? I just went ahead and paid my banks fees just so I could use my bank account again. Did I do the right thing? What if the credit card company never received the fax and they end up asking for another one, how can I make sure that they receive it? They corrected the mistake between the $2.27 and $227.00, maybe that's all I can hope for.

What credit card info is needed for buying a house? I'm a stay-at-home mom with a large credit card balance. I have no outside income. My husband may be taking a new job which will require us to move. My credit card debt is in my name only, and my husband does not know of it. I was wondering if at any point in buying our new house if my own personal credit card debt would even come up, since only his income is an issue.

What types of credit cards pays the customer for using the card? Can you please include the types of cards that a 19- year- old can get. What I mean is, some credit cards are difficult to receive based on age etc. I have a credit card and I dont like that company and I am about to actually close the account, but I want another credit card..

What are good credit cards for my first credit card? I am a newly eightteen year old and my mom has been building my credit history for the last two years, so i have phenomial credit history. I am looking for a credit card that has a good rewards program for me. I looked into the american eagle card but it seems like it takes a lot to get rewards. Any ideas?

can a credit card be transferred after the death of the primary holder? For many years I have been caregiver to my elderly parents. We have one credit card, for which my father is the primary card holder, and my mother and I are authorized users. However, I am the only one who uses the card, and the bill is paid in full every month, with no outstanding balance. I use the card for everything, groceries, paying bills, ordering prescriptions, etc. Now, my father is seriously ill and may not live much longer. What happens if God forbid he dies? Can the credit card account be transferred to my mother's or my name?

How do I get a credit card with bad credit or no credit in Canada? I have no credit, and my buddy has bad credit. We are going on a trip in a few months and need to apply online to get a credit card. Mastercard or Visa. Anyone know where?

How can I start a small Credit Card Company? I am curious to know how much start up money would be needed to start a small Credit Card Company. I am interested in extending credit with Secured Credit Cards with low limits for individuals looking to establish or re-establish credit by a secured credit card. Also I have thought about prepaid debit cards for those in chexsystems and cannot get conventional checking accounts. Any help? What I mean is not to broker, but to be able to start a very small company directly.

How do I get a credit report with out a credit card or checking account? I spent some time in jail and my credit card expired. Currently I have no checking account or active credit card. How do I get a credit report? All the sites I have seen require a valid active credit card.

What is the easiest student credit card to get? I've already applied for 2 other cards and have been denied because I have not "revolving" credit history. But they weren't student credit cards, which is what I guess I should have applied for first. Anyway what would be the easiest student credit card to get? Share your experiences please.

Is it better for your credit to have several credit cards with moderate limit, or one card with a high limit? I have zero debt. I also have several credit cards. I am wondering how it will affect my credit to request the highest limit for each card, or if I should cancel all but 2 and have those with high spending limits. Along the same lines, how does "available" credit affect one's credit score negatively or positively? If I get a $50,000 limit on a card (with 0 balance) but say, go to buy a car, will I be denied because I have too much credit out there?

How do I close empty credit card accounts? I have recently checked my credit report and I realized I had several credit card accounts which were unused for several years running with a zero balance for some time. I would like to close them to resolve my accounts and improve my overall credit. I have to admit that some of the credit companies are quite odd (not cititbank or MBNA) but smaller credit houses from obscure stores I once purchased something to earn the 10% off etc. How do I go about contacting the credit card companies to close these empty accounts?

No credit, How do I start and what is a good credit card for a beginner\r? I am 20 years old and after trying to get a card for a store I find I have 0 credit history. I have never owned a credit card and want to pick a good one to start bulding credit. Does anyone know a good card to go with that has low interest? Heck if you have any credit tips it would be helpful too...Thanks!

How much credit card company charge for each transaction? How much credit card company charge for each transaction? Since credit card company gives reward credit for using their cards, in situations I can use either case or check, should I opt for credit cards because they offer reward points? Or it does no matter? Thank you for suggestions? I pay off the statement balance each month.

What is the best credit card to get for someone with no credit, to establish credit? I am one of those people starting to realize that having no credit is worse then bad credit. I'm wanting to get a new car (all of the cars I've had up until this point were paid in full) and I know that im going to need some sort of credit. Soo.. im wanting to get a credit card..to establish credit. What card should I get? And how do I go about getting it?...please only serious answer. Thanks.

Is requesting an increase in a credit card limit treated the same as an application for new credit for FICO? I know that applying for a new card will reduce my FICO, and that increasing credit limits (while keeping debt amounts constant) will increase my score - but this would not be the case if requesting the increase in credit limit is treated as a new credit card application?

How will my credit score be affected by cancelling my credit card? I have had this credit card for 2 years now, and it charges an annual fee (it is designed for people with little credit and they report monthly to the bureaus). Less than a month ago, I was approved for a credit card with no fees and a lower interest rate. I would like to cancel the old card because I don't want to pay the annual fee, but how will affect my credit score? Should I keep it open?