Line Of Credit
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Answers
Does that money get applied towards whatever you purchase with that card, or does that money get held there for quite some time, or do you ever get it back? I mean I hardly think you'd pay hundreds if not thousands of dollars just to get a "secured card," it's like "pay us $5000 for a credit card," haha, yeah right.
So seriously how does that money get used?
How it worked for me:
I gave Bank of America (my bank) $99 to open a secured credit card. I had a $500 credit limit. They put the $99 in a savings account that I couldn't touch. It stayed in there for the year required, and I got the money back plus a little bit of interest that it had gained, when my secured credit card was made unsecured and the credit limit was also doubled at that time.
www.findsecuredcards.com - Learn how you can apply for a secured credit cards online. A simple how to that you can use in order to find the best card.
Yes, I've already check with my bank. I haven't had an open trade line in so long that I'm pulling up as no-file when my credit is checked.
Try a paypal account refer your bank account this enable you to get their credit cards with a higher credit line
Questions is based on Canadian banking =
This question is amid at the banks/ financial for business. I am a small business, not looking to provide lenders with financial / tax fillings. ( why - the past two years I have been doing the business as part time and file little business income ) I am looking for a business line of credit or a business credit card, my business has no credit history and I am looking to secure it with cash - I prefer no personal credit check ( I do have good credit ) I am just having some extra funds and prefer to secure it. Based on this information I am almost unable to find any lenders in Canada to help ( how ever in the US secured business credit is dime a dozen - just not in Canada. So the run down is I am looking for a secured business line of credit / business credit card with very Little questions asked or providing extensive financial / tax papers/ and preferably N0 credit check Any advice from the industry ?
My best perspective is Vancity Business Visa gold, secured. ( The regular card is not securable - ) The only bad point about this lender is that I do not need the gold card, its $ 99 a year. $ 20 is ok. all other lenders for Visa & MC business in Canada seems to be heavey on the paper s of the business - Help ? The limit I am looking for is $ 2000- 6500 Canadian
Only looking for information in Canada,
The first question is what are your long term goals? If you simply want one card try Wells Fargo bank they have a very good secured business credit card.
If your goal is to eventually obtain larger lines of credit or loans I suggest that you
1) open business accounts with both Wells Fargo or Bank of America they both have secured business credit accounts
2) Open a secured credit card with Wells Fargo and a secured line of credit with Bank of America.
3) Both will be excellent sources to help build your business credit profile
For Additional information
DaJuan Tircuit
http://businesscredit.wordpress.com
www.rhemafundingsolutions.com
I won't be able to pay the bill on time on my capital one secured master card. I have 300$ secured credit line. And I might need to use the secured 300$ to pay off the bill meaning I won't have any credit left. How will this affect my credit rating? Do they look negatively at this?
Do not close the card cause it lower you available credit line. You also can use this service to pre-estimate future scores for different scenarios of credit card payments. - creditreport.fateback.com
I'm 18 and I need to but something that $4500 and I can't get a loan because I have no credit (not bad credit). So I'm trying to get a secured line credit of $5000. If I used $4500 in one month, how long do I have to pay it back? I'm still confused with the workings of credit cards. Do you have to pay the amount you used in full in one month or do you have an extended period of time? Where can you get a loan that doesn't require credit and can give an amount of $4500?
You deposit $5000 into an account to a secured credit card.
The terms are dictated by the financial institution.
Best Secured Credit Card Offers | Credit Card Online
A secured credit card is a card whereby it requires collateral deposited that intern will become the credit for the account.
On of a classic example to use is if you deposited like three hundred dollars in your account you are entitled to be charged up to the equivalent of the same amount.
You are also allowed to increase your deposits to increase your credits worth. If your credit payments are prompt and good the bank may top up your credit line without your requisition for additional credit.
Best secured credit cards can be found on websites under secured credit issues. Most of nation credit union offers the best secured credit card to their registered members.
...News
Wachovia, Bank Of America, Secured Credit Card Helps Repair Credit ScoreRed, White, and Blue Press (blog) - Dec 30, 2009
A secured credit card from a lender like Wachovia or Bank of America can be an excellent asset in the process of rebuilding or repairingRed, White, and Blue Press (blog) - Dec 26, 2009
Those looking for a line of credit do not always consider secured credit cards, but they can be of assistance especially during the holiday season. and more »Examiner.com - Dec 28, 2009
the best credit card, visit WOWCreditCards.com. See a complete list of secured, unsecured, and prepaid credit cards and apply for a credit card online.and more »
Red, White, and Blue Press (blog) - Dec 24, 2009
A secured credit card is an excellent way for someone with a low credit score to either get a line of credit or help repair their credit. How can I improve my credit score?2009: The Year Borrowers Got a ClueLow Credit Score, Repair Bad Credit With A Secured Credit Card -all 6 news articles »Seeking Alpha (blog) - Dec 23, 2009
Next Millennium Mastercard (MA)- This is a secured credit card which is supposed to allow individuals to rebuild their credit. and more »FT.com (blog) - Dec 30, 2009
Operating from a Miami base, he then found new accomplices and drove highways looking for improperly secured wireless networks inside retailers. and more »CNNMoney.com (press release) - Dec 29, 2009
Established a promotional credit program -- "The RPM Card" -- to help offset the negative impact of the consumer credit meltdown by providing financing to and more »