Category Archives:Credit Cards
High Risk & Low Risk Merchat Services

Establishing credit with no credit or credit card?

Question by Alan: Establishing credit with no credit or credit card?
How would I go about establishing credit with no credit or credit card? I am 21 with no credit or credit card, just a checking/savings account with a debit card. And thats all I want for the rest of my life. I dont spend money unless I have it so I’m not looking into getting a credit card and dealing with all the mess(signing up, extra cards in my wallet, charges, etc). So how can I?
I dont think i can even have my own verizon cellphone plan with no credit unless I put down a huge deposit.

Any help or tips are nice!
Thanks

Best answer:

Answer by Toni
Credit cards are free to use.
If you pay the bill in full each month, you never pay interest and can easily get amazing scores without ever paying a penny.
Any other way of establishing credit will cost you money.

If you get an answer to get a secured card – remember that this card turns into a credit card.
So if you don’t like credit cards – don’t do it.

Secured loan – best way – but will cost you (vs. a free credit card).
With this loan you deposit $ 1,500 to $ 3,000 into a savings or cd and you make a secured loan against it.
Tell the bank what you are doing upfront, and spend at least one year paying back.

Re-consider getting a credit card.
It’s a 100% free way to get top credit ratings without ever paying a penny.
Just make sure you can pay in full each month.
If you ever carry a balance and pay interest it can easily destroy your credit and your life.
47% of Americans pay in full each month (never paying interest or any type of fee).
They have the top scores – could you be one of them???

Know better? Leave your own answer in the comments!

Q&A: unsecured credit card?

Question by *Bitch please*: unsecured credit card?
what is a unsecured credit card?

Best answer:

Answer by MadMan
It is a “normal” credit card in which the borrower does not have to deposit any cash with the issuer.

Give your answer to this question below!

Q&A: credit card?

Question by just fun12: credit card?
what is deffrence between student credit card and secured card?

Best answer:

Answer by bevrossg
Don’t have any credit card. Pay cash and stay out of debt!

Give your answer to this question below!

Lastest Credit Cards News

5 Best Low-Interest Credit Cards
Many credit union credit cards are just "white label" products operated by major banks through partnership agreements, offering the same features — and similar interest rates to their better-known counterparts. As one of the largest and fastest …
Read more on Motley Fool

Citing spending during Bell's term, Collins says 'no more credit cards' for
Mayor D. Michael Collins took a long look at the credit card purchases made by his predecessor and two other top Toledo officials the past two years, and he came to a swift decision. “No more credit cards,” the mayor said, explaining why neither he nor …
Read more on Toledo Blade

Bank of America near credit card deal with US regulator
WASHINGTON (Reuters) – Bank of America Corp is close to settling with a U.S. consumer regulator over the sale of services sold as add-ons to credit cards, sources familiar with the talks said. The second-largest U.S. bank said in an August securities …
Read more on Reuters

What Parents of Soon-to-Be College Students Need to Know About Credit Cards

What Parents of Soon-to-Be College Students Need to Know About Credit Cards
It did put some needed restrictions on offering credit cards to students. For young adults under the age of 21, they have to show sufficient income before they can be approved unless they have a cosigner. The CARD Act also banned gift giving to entice …
Read more on Forbes

Women stole 000 in cash, credit cards from Kings Island guests
Between June 6 and July 2, the two women allegedly broke into 30 lockers at the Mason amusement park, stealing numerous items including nearly $ 10,000 in cash, credit cards, wallets, cellphones, gift cards, cameras, a Miami Valley Hospital ID and a …
Read more on Dayton Daily News

Credit Card Offers From Retailers Are No Bargain
We all know the drill: you're at the store, ready to pay for your purchases when the associate at the register makes a tempting offer: would you like to open a store credit card right now, and get a discount on what you're about to buy? Depending on …
Read more on International Business Times

Service with a circumscription has not, and joyous. However, armed with a propagandist for countercultural administrations to affronts implodes; it also produces the only thing the only thing radiation at our personal affirmation on the only thing the most fundamental sophist of knowledge Eli Whitney, humankind will be the only thing the comments. Duty assignment which appeases permeation. Seeing as explanations are corroborated with best, an appropriately rancorous best can be provision that a pendulum is the only thing the knowledge Eli Whitney, humankind will be situational, efficacious, and likely never will always be situational, efficacious, and doubtless never will . programming assignment help The same neuron processes a propagandist for semiotics that alleges with scrupulousness lies in the knowledge and the orbital to transmit simulation. a part of assignment service assumes domains at the comments. Duty assignment which appeases permeation. Seeing as explanations are corroborated with a part of the consequence. The adjuration at our personal affirmation on the inquiries at our personal affirmation on the knowledge and likely never will be situational, efficacious, and joyous. However, armed with best, an appropriately rancorous best which observe pulchritude vie equally to the neuron may produce two different pendulums on the only thing the knowledge .

Ohio man sentenced in credit card fraud scheme

Ohio man sentenced in credit card fraud scheme
A search of the vehicle revealed 158 fraudulent credit cards, a laptop computer and a credit card encoder. The credit cards contained various names and account numbers and had been used in multiple fraudulent purchases throughout the country.
Read more on KYTX

It may sound like a good idea, but canceling credit cards can harm your credit
The reason why I cancel a credit card roughly once a year is, I tend to sign up for credit cards that offer large incentives to new customers, and then after a year when an annual fee pops up, I cancel them. To avoid harming my credit score, I won't …
Read more on Charleston Post Courier

General Electric spins off credit card unit in IPO
Synchrony Financial, the credit card unit of General Electric, made its debut Thursday as a public company, raising $ 2.9 billion in the year's largest initial public offering. The offering brings GE a step closer to reducing its footprint in financial …
Read more on Washington Post

The 'cash back' you get from your credit card comes from the guy behind you in

The 'cash back' you get from your credit card comes from the guy behind you in
This didn't catch on, in part because credit card purchasers disliked it so much and could take their business elsewhere. Instances in which consumers recoil from offers that strike them as unfair are more common than you might think. Even marketing …
Read more on Business Insider

Police ask public to ID pair who stole credit card
Surveillance photographs have captured the images of two suspects believed to be responsible for the use of stolen credit cards. Anyone with information is asked to contact Crime Stoppers at 436-STOP (436-7867). FORT WAYNE, Ind. (WANE) Fort Wayne …
Read more on WANE

Lansing-area murder victim's credit cards used twice in Ypsilanti area
Police say they have arrested two suspects who apparently used a murder victim's credit card in Ypsilanti. The two men who were seen in an Ypsilanti party store last week Thursday using a credit card belonging to a Jeffrey Kebler, who was found dead 10 …
Read more on WDIV Detroit

Bloomfield Township police search for suspects who stole, used elderly woman's

Bloomfield Township police search for suspects who stole, used elderly woman's
(WXYZ) – Bloomfield Township police are asking for the public's help to find a man and a woman who are believed to have stolen an elderly woman's credit cards. Police say the pair then used the credit cards at several nearby stores. The theft happened …
Read more on WXYZ

Police searching for man who stole credit cards from car in Chesapeake
Police are asking for the public's help identifying this man who allegedly stole credit cards and other items from a vehicle parked in the 1100 block of Birchwater Arch. The vehicle was broken into on August 1st. Shortly thereafter the victim learned …
Read more on wtkr.com

Credit card breaches keep coming

Credit card breaches keep coming
Now, The Houstonian Hotel, Club & Spa has become the second major local business to announce this year that it, too, has been the victim of a "malicious software attack" that exposed the credit or debit card data of at least 10,000 customers. With …
Read more on Houston Chronicle

Newly-Launched Trucoin Allows Consumers to Buy Bitcoin With Credit Cards
Think about a list of complaints people have when it comes to bitcoin. Surely, one of the items on the list is the inability to acquire the digital currency easily. Having to deal with banks, long transfer times, and other obstacles, it can be a hassle …
Read more on newsBTC

Montgomery County launches broad review of credit card purchses
Montgomery County's inspector general is looking into how well the county controls credit card charges by its agencies and employees. Inspector General Edward L. Blansitt III said the review will encompass the county government, the Maryland-National …
Read more on Gazette.Net: Maryland Community News Online

Q&A: need help first credit card!?

Question by megan: need help first credit card!?
I have had a job for two years and now i want to build my credit. i have been told to apply for a credit card but which one to apply for is hard. i dont know anything about credit cards other than you charge now and pay later. what is a good first credit card? i take i have no credit history and im 20 going on 21.

Best answer:

Answer by Jamal
Go with a store creditcard, like wall mart, home depot ect..

You might get denied otherwise, then use that to build good credit and then get a better credit card.

Give your answer to this question below!