Credit Card Discussion

I checked my FICO credit score and my score was 606 Transunion.
Thanks for the link #1 but I got turned down for Discover student card and also American Express student card as well.

I know my credit is messed up, but not how bad. I need to get a free credit report to be able to start fixing this. i would like to get it over the internet, so as to make it as fast as possible. however, ever sight i have been to requires current credit card info, for which i don’t have. is it therefore, possible to order a free credit report over the internet?

My purchase was @29.99, tendered a $20.00 Reward Certificate good at any Sears or K Mart. They accepted the certificate and refused to take cash for the difference, insisted it must be charged to the Sears credit card. I thought Legal Tender must be accepted always. Am I wrong?

When the Fed Reservce cuts rates, do I see any benefits on my credit card bills?

I’m looking for a credit card I can use to purchase gas, groceries, etc. and pay it off AS SOON AS it comes due so there are no late fees and NO annual fees, etc. This is to help build credit for me and my husband. Any help is appreciated, thanks in advance!

Comparing prepaid companies (in the US) - how much per minute, cheap phone (I don’t care if it’s super fancy or anything), the best plans. I can’t find a comparison chart or anything. Oh, and I don’t want Virgin Mobile… and it’d be best if I could buy minutes/card at a store as there won’t be a credit card available.

The internet is the place of limitless ideas, products, businesses and anything under the sun. It could also be a place of deceptive offers and persuasive advertisements?

Credit cards are already becoming a must-have item nowadays. People are seeking to own one to facilitate their shopping and traveling. Credit cards are very important properties that can be equated to cash. Almost every product that is available for sale can be purchased using the credit card. Restaurants are offering foods to be served for a credit card. Hotel rooms are made available in one swipe. Plane tickets and cruise line fees at hand provided by credit cards. There is nothing to ask for if one has a credit card.

Debts are natural to be included in credit cards. And these debts can be directly relative to the card issuer company. There are many things to look up to when credit card and credit card offers is being the subject of the conversation.

The internet, being the place of instant shop less the hassle, is also becoming the place of fraudulent offers be it form any product and even to credit cards. There are fake or marketing companies that use the internet to win attention from people who would want to their own credit card. There are a lot of them and they are drastically growing.

These companies are not actually lending companies. They can appear to be foundations that offer credit solution and the like but acts and talks the same way as a credit company. There are many ways and strategies that they are doing just to capture the attention of many and rob their money. What are the things that these fake lending companies are saying and what are the offers they frequently brag? Here are some pointers to consider on how to know whether a lending company is a fake or not.

-When companies are starting to offer zero interest and low interest at the same time but not telling what type of credit card is going to be given, chances are that the company is not giving away or is not a lending company but a marketing or sales company. This company maybe referring to one-time-credit-cards or gift checks that can be used to purchase products from the company. The card that they will give can never be used in any ATM around the world.

-When companies disregard your credit history or situation, then these certain companies maybe just pretending to be real. No lending company will disregard a credit situation of a client. Companies think first of the profits that they can get from the client and will not accommodate any losses due to non-payment.

-When companies disregard the age and employment status of a person, there is a higher possibility that these companies are just make-believing. The capacity of a person to pay is determined through his employment status. When this is disregarded, what good can it bring to the lending company? In addition, most banks and lending companies prioritize those younger person rather than the old ones. This is in lieu with the ability-to-pay scheme that lending companies are implementing.

There are still a lot of doubtful offers that you may encounter not just in the internet but also in newspapers and other media. To make sure you will not be victimized by these people, try to contact reliable banks and lending companies rather than infamous lending companies.

The challenge of tackling a massive credit card debt can seem almost impossible at times. When you look at the many bills rushing in each month and then you start going through that credit card bill, the idea of actually starting to pay that bill down can be overwhelming. And part of the reason that uphill battle to win over debt seems so hard is those almost ridiculously high interest rates credit card companies are allowed to charge.

If you have a credit card debt in the thousands of dollars and your interest rate is above 15%, this is going to mean that a large portion of your monthly payment is going to go toward the interest. And what that means is that your balance will go down slowly which is very discouraging especially if you continue using the credit card. This means your balance will continue to skyrocket even with good-faith attempts to pay it down.

How often have you looked at the average interest rate that the credit card companies are charging you and thought, “I sure wish there was some way I could cut that interest rate in half or less”? If you could just get that interest rate down under 10% or even better, this step alone would help you put more of the money you pay each month toward the principal balance, and effectively reducing the debt. And if that rate could be locked in so it isn’t constantly being increased by the credit card company, then you have established a real path toward paying off what you owe once and for all.

There may be a way to actually get a credit card rate you can live with from the credit card services you already are working with. It goes back to that old advice that your mom or dad might have given that goes - “You don’t know until you ask.” That’s right, it is very likely that if you call the credit card company and explain to them the situation, they might have the resources to negotiate a rate with you that you can live with and offer you the same services a credit consolidation company would offer.

It’s good to take a moment and look at the world through the eyes of the credit card company. They are in business to keep good customers who pay their bills. For the credit card company, the worst kind of customer is the one who is constantly late on their payments or doesn’t pay at all so they have to go through the task of nagging those customers for the money. And customers who have the resources to leave them because their rates are too high are also a big threat to these companies because they depend on you to continue making your payments when others may not be.

So rather than see you leave or take your debt elsewhere such as a credit consolidation service or a second mortgage, it’s better business for the credit card company to cut your rate and continue to make some money off your debt. Competition is just as intense for the good customers in the credit card world as it is in any other business. So if you pay your bills and are the kind of customer these companies like, you have a bit of leverage with them that you may not have known you had.

Make sure when you call the credit card company to renegotiate your rate that you talk to someone who can actually change things. And bring some clout with you. Be prepared to cancel your credit cards or move your debt to another card or credit service. If you let that credit card company know you are unhappy because of the rate, they will have some kind of program to keep your business. They aren’t going to tell you about it but it’s there. If you are persistent and want it bad enough, you can get the credit card companies to do it your way, and give you a premium interest rate you can live with. Also remember that if you are a “good” customer, meaning you pay your balances every month and have a decent size credit line, you have that much more leverage to get the rate that you want.

I want a credit card that will offer miles in balance transfers. There were alot that did that a few years ago but now I can’t find any.

How old do you have to be to get a greendot prepaid visa Card?