Tag Archives:credit
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Q&A: credit cards?

Question by margarito209: credit cards?
is there any credit cards that you qualify for once u turn 18 and dont have any acounts in ur credit history? because im trying to build my credit score… please let me know any store that gives u credit card. thanks!!!

Best answer:

Answer by Jeremy P
I would recommend avoiding ‘store’ credit cards altogether. They usually have extremely high interest rates (23.99%-29.99%) and other hidden fees. You might want to consider a credit card for people with poor / no credit here:

http://www.asapcreditcard.com/unsecured-offers.html

While these offers tend to have higher interest rates and additional fees when compare to ‘standard’ credit cards– you’ll pay much less than a store credit card. Plus, they’ll give you the chance to prove your creditworthiness and improve your credit score.

Eventually… with regular, on-time payments– you’ll be able to apply for better offers with lower APR’s and less fees.

Hope this helps. GOOD LUCK!

Know better? Leave your own answer in the comments!

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.

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RBI shuts overseas payment gateway for credit card transactions within India

RBI shuts overseas payment gateway for credit card transactions within India
Aprameya Radhakrishnan, cofounder and director of Taxi for Sure, a Bangalore-based online taxi aggregator and Uber rival, said, "It will impact only foreign companies who are operating in India through an international payment gateway or by storing …
Read more on Economic Times

Eason Inks Payment Gateway Deal with TNS
DUBLIN–(BUSINESS WIRE)–Eason, Ireland's leading retailer of books, stationery, magazines, cards and much more, has chosen the TNSPay gateway from Transaction Network Services (TNS) to handle payment transactions made across its store network …
Read more on Business Wire (press release)

Google working with Airtel as payment gateway for digital purchases
While having a credit card is like having a company ID in the US, not all countries have that kind of relationship with that plastic rectangle that makes you buy stuff. In India, for example, most smartphone owners don't own a credit card, making it a …
Read more on Android Community

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!

What's the price of a travel credit card headache? 'Free.'

What's the price of a travel credit card headache? 'Free.'
Charles Stewart figures he should have known better. The promises made by his MileagePlus Explorer card from Chase — yes, the one that's heavily promoted in airports and on travel blogs — looked too good to pass up. “In order to qualify for the free …
Read more on Washington Post

Here's Why Your New Credit Card Comes With A Shiny Chip On It
When you dip instead of swipe, a one time number is generated for the transaction, and the retailer never gets your actual credit card number. That means if hackers ever got a hold of transaction information, they get a bunch of useless numbers instead …
Read more on KTLA

Buffalo woman pleads guilty to credit card scam
Assistant U.S. Attorney MaryEllen Kresse said the defendant authorized a man she met online to send her credit cards she knew were obtained without the true account holder's knowledge. She used nine of the credit cards to obtain or try to obtain items …
Read more on Buffalo News

Should Your College Kid Get a Credit Card?
These days, applying for college can be easier than applying for a credit card. When Spencer Shulem tried to get a credit card at age 18, he quickly discovered how difficult it can be. He applied to a handful, and despite having a job and earning $ 30 …
Read more on U.S. News & World Report

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

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PayPal Review: Best Low Volume Credit Card Processing

PayPal Review: Best Low Volume Credit Card Processing
After much research and analysis of credit card processors, we recommend PayPal as the best low-volume credit card processor for small businesses. We consider low-volume to mean any business that does fewer than a dozen transactions per day.
Read more on Business News Daily

topcreditcardprocessors.com Names Merchant Warehouse as the Third Top
NAPLES, FL–(Marketwired – June 23, 2015) – The independent authority on merchant services, topcreditcardprocessors.com, has named Merchant Warehouse the 3rd best credit card processing service for the month of June 2015. Merchant Warehouse was …
Read more on SYS-CON Media (press release)

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