Credit Cards
How To Manage Your Credit Cards [K] [i] [n]
Credit Institute (Kindle Edition) D. Mann 2009-08-17
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Answers
Well, i had a credit card about a year ago which i never paid for but am doing so now, i want to get a credit card application aproved, what can i do?
It will take time before you rebuild your credit score. With your credit score it will be hard for you to get a loan.
Check this resource I found on how to get approved even with bad credit score http://www.squidoo.com/badcreditcardreso urces
Hope this will be helpful for you :)
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I know, this question might be a little silly, but I just want to make sure that there is no possible way I can get a credit card if I have bad credit without paying any application fees or processing fees. even one with a small credit line.
A little silly is an understatement. Badly worded and reeks of stupidity. Yes, banks are ready to charge you a very high interest rate with no annual fees with a small credit line.
Here are some articles to learn about credit:
http://www.ftc.gov/bcp/menus/consumer/cr edit.shtm
http://www.ftc.gov/bcp/menus/consumer/cr edit/loans.shtm
There is also this thing called a pre-paid card.
When I apply for a credit card, are my presonal details (e.g. address, employer etc) automatically shared with debt collectors etc?
In the US, personal details including employers and addresses (not income) are reported by creditors to the credit bureaus. Other creditors can see this info when they check your credit.
I am not sure about in the UK. There are free credit counselling organizations in the UK that would know much more about it. They offer free telephone service, and you can visit one of their local offices also without charge. I would highly recommend it.
For example, are they less likely to give you a card if you don't work, or list homemaker, or what not? Even if other members of your household or significant other is bringing in the money?
does where you live matter?
Do they only consider your credit score as being the single most important factor?
Also why are credit card applications getting more extensive? Now you have to list the total amount of money in all of your checking accounts, savings accounts, 401K, etc etc, other investments...whereas before you just had to fill in a simple little application and you were good.
I just always wondered what made a person more likely or less likely to be approved of a card.
I went bankrupt chapter 7 in early 2005, so as of right now my chances for getting anything are pretty much nil,but I have luckilly been approved of quite a few cards in 2007 & 2008, so I've been establishing credit history all that time...so you'd think that by now I'd be approved more easily, but I'm not. I apply once in a blue moon, and I still get denied.
The only bad thing I can think of is my bankruptcy.
Chapter 7 stays on your credit files for 10 years.
If you're not employed, that's also a major problem. If you have $500 in a savings account, the bank may allow you to get a secured credit card but you must tell them about the bankruptcy because they'll find out when they run your credit report.
I am a student and want to get a credit card, so I applied for catalog card USA platinum. Which provides Guaranteed Approval with No credit checks, No employment verifications, No interest charges, you can be approved even if you have No Credit or Bad Credit. But they declined my application. Can any one know why was they declined my application?
Even promotional offers that offer pre-approval with no credit checks and no job verification still have criteria that must be met prior to approval.
Whenever you are denied credit, the company must send you a letter with the reason for their decision, so wait for the letter and that will give you the exact reason.
Bad Credit Credit Cards – No Application Fees or Employment Check
Bad Credit Credit Cards – No Application Fees or Employment Check
Posted on | October 13, 2009 | 1 Comment
Bad credit credit cards are getting more and more popular as the country sinks further in debt. Many borrowers want to get a credit card with no application fees and no employment check. The amount of money that we have to pay in fees each year can often add up to a great amount of money so it is wise to find a credit card that does not require an application fee. The other major problem is that an application fee can totally go to waste if you are denied the credit card.
With the unemployment rate increasing every month there are many borrowers who do not want to go through an employment check when it comes to getting a credit card. Some borrowers realize they have no job while others know that if an employment check is done that there may be complications. This is exactly what no one wants to go through with their employer or the bank or company that loans them money.
How To Improve Your Credit Score the Easy Way | Living Life Abundantly
Many people tend to neglect the fact that credit scores are very important in today’s society. This simple three-digit number will significantly affect how you live your life and also your financial status.
By having a good credit score, you will be able to have access to the best loan and credit card deals available today. It will also be an important factor when you want to get a phone line hooked up in your home. Also, some companies prefer to hire people with good credit scores.
Now that you know how important a credit score is, you need to know what credit score is all about and how you can have a good credit score or at least improve your credit score.
Firstly, a credit score is a three-digit number that creditors look at to determine if you are credit worthy. What this means is that this is what most creditors base upon if you will be approved for your loan or credit card application. This will tell them that you will likely pay the loan or the credit card bills on or before the due date.
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