Credit
How do I close empty credit card accounts?
Feb 22nd
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?Submited by:atg28
How do you get a credit card with bad credit?
Feb 20th
I am trying to pick my credit score back up off the floor and have heard that you can do this by applying for credit cards and making the payments on them. Nice! Except, I went through a divorce and my credit is now lowsy. I pay all my bills on time and have a decent job, yet credit card companies don’t give me the time of day. Does anyone know of a company that will work with a credit slacker like me?
What is the best credit card to apply for to rebuild credit?
Feb 17th
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.
What is the best credit card for a first time user?
Feb 17th
I’ve never had a credit card before, just turned 25 this year and was wondering what credit card is the best to use “not saying I will get one” Just doing some research on which ones are the best and which to stay away from. Thanks for any help.Submited by:Pixie25
Can my credit card company unilaterally lower my Credit limit at its discretion? How likely is this?
Feb 17th
Mark R asked:
I have a credit card with a credit limit of $12,500. I have not only been making the payments each month, but I have been paying off my monthly balance at the end of each month consistently. My father told me that, given the situation of today’s financial market, the bank can decide to lower my limit. Is this possible? Is this likely? If so, what factors would influence their decision to lower my credit limit?
How can contact with credit card Company about my credit card applications?
Feb 16th
If at any point I have questions about an application that has already been submitted and want to know about any reward programs provide by company. Then how can contact with credit card Company?Submited by:lissa maddox
What is the best credit card for an 18 trying to build credit?
Feb 12th
illusional_reveur asked:
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?
How many credit cards is too much to affect your credit score?
Feb 5th
ronnin72 asked:
I am going to ask another question regarding which CC should I add to my credit card profile to add to my rewards. I have excellent credit, pay my balance in full each month, and I use my CC to pay for everything I can to rack up points/miles etc.
I am at a point where I want to increase my points and miles so there are some options. The question is, what is too much. I basically share a VISA with my wife, and have an older VISA that i keep. I realize that you should keep older credit cards for history. I want to add at least one AM/EX either the Starwood points, or the Delta Miles. I also might switch our Cap1 card to the signature to get 2 points for every $1 spent, instead of 1.25 for $1. That is a new card, not a switch. And recently, I have received letters for UNITED miles (20,000 bonus) and AA Miles (21,000 Bonus). I would love to use those just to add to my miles on those flights. Could I add 3-4 cards without hurting my excellent credit? I will not rack up debt.
How does someone build credit without a credit card?
Feb 2nd
I am thinking of those who do not have a credit card and pay for everything by check and cash. How is their credit rated? Is it based on a loan for example (car, student, etc.) and what if it is their first time applying for such a loan? How is their credit history looked at then? What if someone is applying for an apartment rental and does now own a credit card?
I have always wondered this.
Also, some people, after having paid off their debt, switch to using cash or check only, but apparently no activity at all on your credit card accounts isn’t good either.
Any input?
What is the difference between a wire transfer and a bank transfer?
Jan 31st
I **** having paper money so I just carry my debit card around but I have a problem with money; I keep spending it. So, I have decided to get a pre-paid credit card so I can leave my debit card at home to limit my spending.
I want to get a Baby Phat Rush Card simply because it’s pink and I’m just girly/immature/ridiculous like that.
Apparently, they disallow wire transfers but they do allow bank transfers, what’s the difference?Submited by:Lena