Credit Cards
Plastic surgery; Dissect fine print before applying for credit card.(Business): An article from: Winnipeg Free Press [H] [T] [M]
Gale Reference Team (Digital) Thomson Gale 2007-11-04
Release date: 2007-11-05
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Answers
How can i buy a ipod video by paying monthly without applying any credit card? is that any one want to help me if they have a apple credit card. thanks
Go to Apple store online ask them not us! We don't sell
Ipods & some of us are unfortunete to not have one at all!!
Apply for a credit card with bad credit by getting a friend or relative to add you as an authorized user, fill out a co-borrower application or ...
Last year a judgement was put on my credit report but Im paying it off monthly and for tax season, its garnish but now I want to apply for credit card what are the chances for me to get approved? any advised?
A prepaid debit card is a great solution for a lot of people because the money you spend is your own and in most cases you cannot spend over the amount you have in your account.
This is a good solution for people who may have had difficulties with debt or bankruptcy in the past because a prepaid debit card is a great tool for developing invaluable financial management and budgeting skills.
A major bonus of some prepaid debit cards today is that during the sign-up process you are offered an opportunity to sign up for an additional service that will help you rebuild a bad credit history by having your monthly payments reported to one or more of the major credit reporting agencies.
Subsequently, each month your card's issuer credit reporting partner will process your payment record and verify that your payment is properly posted to the credit bureaus' records.
get more information about credit card from: http://www.card-gallery.com/article/
How does being rejected for a credit card / credit affect applying for another card through a different bank? So many people say being rejected a credit card affects your credit rating. To what extent is this true?
It's very true. Everytime you apply for a loan or credit it creates what's called a "hard pull" on your credit file. It doesn't necessarily impact your actual FICO score, but it can be viewed by a lender.
For instance, if I see recent inquiries, but no open account to match the inquiry, then I can deduce that you were declined. If another lender declines you, then I would have to think twice to approve you.
i was thinking i someone apply for bankruptcy they wipe out your credit card debts and then it will be tough for them to apply for credit card again. what if i keep at least one and pay it every month and pay off in two years. i have more than 2 credit cards is it a good idea to keep at least one? im not gonna use it, im just gonna pay it every month.
My mom tried this...The problem was that when you file bankruptcy an announcement is sent out to most all credit companies. Even the ones that my mom didn't file with...upon finding out she had filed bakruptcy, they canceled her cards anyways...and she still owed the previous amount.
Last summer (2005) I got in a car accident, not my fault, and I didnt have credit at the time. So, I had to go to 10 different dealerships and apply for a loan but it took the tenth try to actually get it. When I tried applying for a credit card five months ago, it said I was denied due to "too many credit checks". I applied for two more and it said the same thing. This sucks, the accident ruined my credit and it wasnt even my fault. When should I try to apply for another card? I NEED ONE
Your problem is you have no history to begin with.
You have to build a history. Get a secured card. You put money up front and can only borrow as much as you put up. Go to www.bankrate.com and look up different types. Also get some retail and gas cards. The rates suck! See if you can take out any type of a loan at all from a bank and pay it all back. But absolutely positively look into getting a secured card. Great way to start off your credit history.
You need at least 4 lines of credit open. You need to responsibly pay your bills for a minimum of 6 months, but usually a year. Just because you get a few lines of credit does not mean you are suddenly golden. As I said above develop your history first.
When you have responsibly paid your bills on time for a year to six months you can start to try for better interest rates. When you qualify for them, just cancel the old ones.
Don't have a card you never use. That pulls down your score. Use it or make sure to cancel it. Cutting it up and not canceling ruins your score.
Never borrow more than a third of your limit. Never max out your cards.
Always be on time with your payments.
RM50 service tax for card holders
A SERVICE tax of RM50 will be imposed on each principal credit card every year beginning Jan 1.
For every supplementary card, a RM25 service tax will be charged yearly.
The move to impose this tax is to promote prudent spending as the use of credit cards is extensive. The number of cards increased from two million in 1997 to 11 million as of August this year. They exclude the 285,000 charge cards already issued.
Muslim Consumer Association of Malaysia secretary-general Datuk Dr Ma’amor Osman said it would encourage consumers to limit the number of credit cards they hold.
“Instead of having five or six credit cards, it will encourage consumers to reduce their cards to only one or two because it will be costly to pay service tax, interest, finance charges and so on,” he said.
Applying For New Credit Cards Getting Harder As Credit Score Gets ...
Ever since credit card companies have tightened their business, credit card holders have been having rough time dealing with credit cards. It isn’t getting any easier for those who want to apply for new credit cards either.
With the economy and the credit industry the way it is at the moment, a lot of credit card holders are probably unhappy with their credit cards and are looking to move to another credit card. Unfortunately, the days of cheap and easy to get credit card offers have ended. Nowadays, consumers no longer have the luxury of being able to choose from ten or more credit card offers arriving via mail. According to market research firm Synovate, credit card offers being sent to households this year are forecast to drop by 60%. Last year, it fell by 71%.
News
House committee votes to speed up credit card reformsCredit.com News - Oct 24, 2009
Legislation that could help more Americans manage their credit card debt took a step closer to becoming reality this week on Capitol Hill and more »
Huffington Post (blog) - Oct 23, 2009
The most recent move by the Obama Administration against the predatory and abusive practices of the credit card issuers does not seem to have changed their and more »Auto Credit Express (blog) - Oct 23, 2009
But this time, we're not talking about installment credit. By applying for and using a credit card correctly, you can reestablish your revolving credit. and more »Malaysia Star - Oct 23, 2009
KPMG partner Ooi Kok Seng said the RM50 service tax would burden the lower income group but many would continue applying for multiple credit cards as they and more »USA Today - Oct 20, 2009
If you don't care about rewards and just want a credit card that doesn't charge an annual fee, consider applying for a card through a credit union. and more »Huffington Post (blog) - Oct 21, 2009
Washington Times scheduled (including protections against applying increased rates to existing credit card balances)," it could lead to problems for credit-card issuers. Fed Chairman Opposes Change in Effective Date of Credit Card LawBernanke sees problems with faster credit card rulesall 154 news articles »
ABC15.com (KNXV-TV) - Oct 10, 2009
This card is also a good idea for those who have difficulty balancing their budgets or are worried about credit debt. For more information on applying for a 'Democratization of Credit' Is Overall 339 news articles »