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There are a couple of options… You can try a gas company card. They tend to be great at approving lower credit score applicants and helping them re build credit. Another is getting a secured card through your bank. A secured card is where you put down the money for the balance that you want , i.e. $300-1500 and the bank holds those funds and then issues you a credit card. You still make payments on the card if you use it just like a regular credit card. After a period of time making all of your payments on time (usually 6months – 1 1/2 year) the card will be upgraded to a normal credit card and your initial funds will be reissued to you. If you close the card or default on your payments prior to the card upgrade the card will be closed and the funds re issued to you. Another card that will approve a lower credit score is Orchard. Their website is orchardbank.com. Good Luck

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Too many inquires can make all the companies start to deny you credit. You best bet would be to wait about six months then apply again. You could also apply for a credit card with a company like first premier or orchard, you can find those card and compare them at http://creditcardwarehouseonline.com They do have some fees attached but their acceptance rate is around 85%. Then that will show at least you got accepted and might not scare the other companies off so much. Get one of those cards then apply for another in six months.

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You have to read the fine print on all credit card offers.
1st make sure it is a fixed interest rate.

2nd make sure that fixed interest rate isn’t just for a promotional period.

3rd check what that interest rate is. There are some that are just a flat rate and others that are more like variable rates because they are a fixed % on top of a variable index. It can be confusing.

Try to find the lowest rate available to you. As your credit gets better look for better offers and try to get that balance on the higher rate card paid off.

I wouldn’t apply for a credit card online unless it was from a company name I am familiar with, like Chase, Bank of America, Capital One, etc. You want to be as careful as possible because you have to provide your social security number and date of birth. All very sensitive information. Good luck!

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Yes opening too many can hurt your credit due to the fact that the creditors all have to pull your credit history which brings your beacon score down every time. Also most creditors look at it as though you could feesibly go out and max out every charge card you currently have opened on any given day.

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Because they make more money off of them. Because they are a higher risk customer, they can charge higher interest rate. The person will pay on their cc for a while, the cc will make a nice tidy profit. Eventually the person will default on their card, but often the company has already made enough off of them that they still turned a profit.

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Visa Buxx has a limit of $2500 that you can add to the card. My kids use this and they love it. It helps them (and me) keep track of their money. They actually ask me less and less for money, because they’re not losing it, or I’m not finding it in the laundry! LOL

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Yes I think you can give visa buxx to anyone (they are really made
for teenagers but I dont see why wont work for elderly people too
also since its a prepaid -re loadable card it wont effect your credit score
since you will be pay cash to load it
in fact here an artilce which talks about visa buxx for eldery
person

http://tinyurl.com/54xmnj

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I thought VISA BUXX was long dead and gone.

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200 each

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Call the number on the back of the card & ask them how you could do it. That’s what they are there for.

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$2.50 each transfer of funds..It is a great card for kids to have you can transfer money on a moments notice so in case of an emergency it is great!!!!! Both of my kids have one.

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They are great of online purchases. If anyone gets the number, so what. You only put 20 bucks on it to make a purchase then its worthless.
Ready to buy again, slap on 60 bucks for those 49 dollar games and done.

Great security feature

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It is usually easier to get get credit from a store/gas station. (dont apply for too many credit cards)

The best way to build credit is pay your balance in full every month and never miss a payment.

Go to https://www.annualcreditreport.com/cra/index.jsp and get a free credit report every year. It will not give you a score but it will give you an idea of what someone pulling your credit would see. Its also a good way to see if you have an open credit card and forgot about it, or someone stole your identity and opened a card in your name.

Pay off current balances on whatever credit cards are still open. Do not carry a balance into the month.

Utilization > If there is a 1000 credit limit and you are using 900 dollars of your credit ‘allowance’ that looks bad. Using under 30% of available credit is good.

Applying for too many credit cards can hurt your credit score. If you apply to one or two in a month wait at least 3-4 months before applying to other cards.

If you have a credit card, use it. If you dont use a credit card at all and make no payments it does not help at all.

Its also important to have some emergency savings for 3-6months of bills in-case bad stuff happens (you get fired, car blows up, you fall down some stairs, ETC) Rainy days do happen, expect them.

I have also read that having a savings and checking account can make it easier to get accepted for a credit card.

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Like the other users said, you could get a secured credit card; however, you really want to stay away from credit cards period! They are bad news; if you ever have hard times, they will pursue you relentlessly and even sue you if you can’t pay. Like someone else said, get a debit card with a VISA/Mastercard logo. There’s no need to even have a credit card if you do this. I will never have another credit card after all I’ve been through with the different companies. By the way, Capital One is the worst. They’ll give you a card easily enough, but if you ever get behind, they will not work with you and won’t settle out for a lesser amount to close the account. They also like to sue. This is how they pay for their expensive TV commercials. This is just my experience with them. Keep your life less complicated and just stay away from credit cards altogether.

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UNLESS you have been in business several years and have an established business credit record the credit is gained through your own personal credit reports.

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To get a good credit rating you must have obtained and used credit. There are several ways to do this but getting a secured credit card and never charging more than 1/3 of your limit and paying at least double the minimum payment every month is merely the easiest way to build credit.

Right now, to rent an apartment, you need a co-signer with good credit.

Generally it takes 2 years from when you first get a secured card and being good with it, to be considered to have any sort of credit rating.

A secured card is where you take say $500 and put it in a savings account in a bank and they freeze that amount for two years and then issue you a credit card for that amount. After the two years, if you have been responsible with the card, the account is unfrozen and you get the money back. If you have been irresponsible, they use the money in the account to pay off the card.

When I first moved to LA from Canada, I had no credit in the eyes of US banks and I had Wells Fargo freeze $1500 for 2 years to re-establish my credit in the US.

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That is a good plan to build credit. I do recommend (if you are going to use a credit card) paying the balance in full each month, and not carry a balance. When you carry a balance from month to month you are charged interest on the balance. I recommend never charging any more than you can pay off in full when the statement is available.

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Generally, each time you open an account there is a small temporary drop in your score (think the 15 to 20 point range). If you have revolving debt it is possible that your score can even increase due to a drop in overall utilization ($2000 debt with $4000 total available will reflect much more poorly than $2000 debt with $7500 available). As your accounts age this temporary hit will vanish.

If you plan to apply for a mortgage, avoid opening new cards at least six months prior to that date. Avoid applying for new credit before looking into a car loan.

Existing creditors sometimes become nervous when you open numerous new accounts. If you open three new accounts at once this can lead to potential trouble, especially if you aren’t familiar with your current creditors (they all respond differently). Provided you aren’t already dealing with a number of creditors I would suggest picking out two of your favorites, applying for them, and then going back to snatch the third about three months later. Only apply for a card you expect to use and be careful about annual fees (unless they are plenty well justified as might be the case with, say, an AmEx charge card).

The more extensive your credit profile, the more cautious you should be about opening multiple new accounts in quick succession.

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First you would need to find a credit card with low interest. From there you would need a credit limit to cover the 4 debts. From there you just tranfer balances once you open the card. Problem solved.

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Actually it is more like 30% not 50%, and you can spend more you just need to keep it below that after you make a payment. I.e you have a limit of 1000, but you charge 800$ on it. You then need to make a payment 500$ to keep it below the 30%. They will report you balance every month to the credit bureaus after your payment is due. I have heard you should keep about a 10% balance on your cards for the best results in building your credit. You want to provide a solid payment history so use it for small purchases then make the payments, I dont think making minimum payments would be good. As for credit cards to get… You can go to your bank and get a secured card (you will have to put 300$-1000 down to get one, 300 is minimum, or you can get a orchard or first premier card. These cards have some fees attached to them but you do not have to put any money down to get them.

Http://creditcardwarehouseonline.com

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1. I have 5 or 6 credit cards, each has at least 5,000 limit. I use 3 of them regularly and pay the entire balance each month. The others I use very rarely. My credit score is around 810 and I have never been questioned about my revolved credit (I do own a home, I don’t know if that makes a difference).

2. Close some of the accounts if you want, they’ll eventually roll off. Just don’t keep opening new ones and closing old ones (that gets harder these days with ID theft and all).

3. I personally use several of my cards regularly and others I have not used in months (maybe years). I do know that a low balance-to-limit ratio is good and if you close accounts that, in affect, raises your ratio since your limit went down even though your balance did not go up. Run your balance-to-limit ratio here…

Http://creditcard.bizcalcs.com/Calculator.asp?Calc=Balance-To-Limit-Ratio

4. It’s always a good idea to check around for the lowest APR you can get.

5. 35% of your FICO score is based on paying all your bills on time. 30% is from Balance-to-Limit ratio. 15% is from the length of your credit history. 10% is from new accounts and recent “new” credit applications. And 10% is based on the mix of credit card and other loans.

Sounds you best chances for a higher FICO are improving the mix of credit card, retail cards and other loans plus getting some “new” credit like a retail card, but don’t get too much new credit all at once. Maybe you could request higher limits on some of your cards and get rid of some of the lower limit ones. That would keep your balance-to-limit ratio low while reducing the number of open accounts.

It’s all just a bit confusing. Good luck to you.

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Cards with no annual fee are usually better because after you balance is paid off then you don’t have to keep paying them money. You don’t want to have to cancel a card for the sake of your credit score, so the no fee card is better. Maybe you can find a card that offers 0% interest for 6 months or a year. The fee takes away all of the benefit of the lower interest rate and may end up costing you a little more.

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Bad credit is still better than no credit. There are many special offers for people with bad credit history. Of course, credit cards for bad credit history have fewer benefits and more limitations than credit cards for good credit. Go to http://www.rebuild-credit-cards.com/ They offer many options for bad credit or no credit.
You can apply for a secured credit card. It requires a deposit with the issuing bank. This amount, to secure a credit card, is usually only in the hundreds of dollars. It is held as collateral while the bank issues credit of some percentage of the deposited amount often 100%. In many cases, the card is reported to the credit bureaus as a normal (i.e. Unsecured ) card. This allows the cardholder to establish a positive credit history over the duration. Based on good payment history over an extended duration, some banks will then issue the customer an unsecured VISA or MasterCard.
You can find several guaranteed approval (pre-approved) credit cards for bad credit. However, your application for this kind of cards is also analyzed by banks and in some situation the approval might be denied. Consider all the requirements carefully because rejections hurt your credit score.
And, of course, start working on rebuilding your credit history. There are several approaches you can find at http://www.credit-land.com/articles/articles_page_68600_1881780_12.php
Good luck!

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“Anonymous” is not Wikileaks.

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I do not think it was fair for mastercard to decide who gets to have money and who doesn’t. Wikileaks is nothing more than a large group of reporters not willing to follow the mainstream media’s version of journalism.

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It seems you finally see what the world is made of! Who is ruling!

The idea of democracy is smoke in the eyes, an illusion to blind the sheep. And these are no Christian sheep, mind you.

Those ruling have no compunction in regard to suppressing freedom of speech and for the press to tell people what really is going on. Nowadays, it is all theater that is like Hollywood – a good show, but a show nonetheless.

Nothing real about what people are taught to believe.

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The site may let you do it, they will give the information, but the donation will not get through, it will be rejected or stopped because they have both stopped donations to the accounts, and the accounts used for wikileaks have been closed.

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Wikileaks isn’t. Hackers that support Wikileaks are.

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We all know there is something very wrong with the world, when someone stands up and says what everyone else is too scared to say from fear, that’s what it is fear, the dictators of the world come out to kill that person or destroy their lives if they are in the public eye, they will make up anything to destroy that person, this is not a surprise.

What is more of a disappointment is the public, lots of them being brainwashed into thinking the government is right no matter what they do, even if that means leading millions of people into gas chambers, killing 4 million vietnamese or invading countries on a whim whilst lieing about the reasons for going to war to make themselves seem righteous to the world.

Then there is the other section of society that are even more troubling, they know right from wrong, they are not brainwashed, they coldly look at a man standing up for what is right, do they jump to his defence? No, they stay quiet because they don’t want to go down with this man, they are cowards, these are the people who go along with anything for their own gain, the mercenaries of this world.

The reason things never seem to change is because those of us who are brave and stand up for what is right in society are few in number the majority are either brainwashed or complicit in evil for their own material gain.

As Louis Armstrong once sang, “what a wonderful world” and i can’t help but see the irony in it.

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Probably because the KKK is not involved in espionage.

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If you have a bank account with bank of america, they send you their credit card. Also, captial one has one meant for students, it starts at 300 dollars, but if u make 3 payments on time, it goes up to 500

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Actually no limits except that you must be a full-time student and be over 18 years old.
As for the credit score, students credit cards may be given to those who have no credit at all.
Try your luck to find the best for your needs.

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HSBC has a student credit card. Usually the limit is around $500. They take into account that you might not have much of an established credit history. 1-800-975-4722 That’s their number. They are pretty good cards too. Mastercard. Accepted anywhere mastercard is accepted, worldwide too.

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Thats terrible! I had a credit card as soon as I turned 18, and I haven’t missed one payment. I now have 3 credit cards and I am a Sophomore in college.

My American Express for students APR is 14%
My (MasterCard) Citi Platinum Dividend for students is 13%
and my (Visa) Chase BP Gas card is 11%

Credit is a VERY important thing to have, get one for each major branch (Visa, MasterCard, AMEX) and if you are responsible, your credit score will skyrocket and you will be in good shape by graduation, and you will get good rates on loans and other things.

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Gold is gold and is valued by the market.

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This strikes me odd – since it simply is not their style. Credit suisse is offering private banking and if you had money there i am reasonable certain you would know.
Otherwise it would be a swiss attorney making contact with you regarding a probate matter and not the bank.
It sounds like a scam, maybe you wish to contact credit suisse about this.

Http://www.credit-suisse.com/us/en/

admin answers:

Yes it’s a scam

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It would have been more “clever” to transfer the most of the money before mentioning the final closing…

Anyway, either you travel to Switzerland and find a responsible manager – or you employ a lawyer (expensive) or you contact the organisation of the link offered. This office is sponsored by all banks together to get such problems settled without costs for the client.

admin answers:

Go to Amazon, you can get anything what you want:

http://www.amazon.com/gp/redirect.html?ie=UTF8&location=http%3A%2F%2Fwww.amazon.com%2F&tag=topfivproinf-20&linkCode=ur2&camp=1789&creative=9325

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To be honest just use the junk mail as fuel for your wood burning stove. I have a friend that heats his house using junk mail.

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Because the CRA’s, and other businesses, make money by selling your information.
There is no law stating that a business must treat a person as being opted out until that person decides to opt in. Naturally since the law isn’t set up that way, the businesses are going to do whatever they can to put the green in their pockets.

If you want to be truly opted out, you shouldn’t stop at opting out on the governments optoutprescreen site, since that only covers the CRA’s.
Also, putting yourself on the do not call list will not stop other companies from selling your info.

You will have to opt out with each and every company you do business with – credit card companies, banks, cell phone companies, internet providers, etc., etc., etc………..etc.

Not all companies sell peoples information, but many do since it is a lucrative business. Even my local electric company sells info and provides the opportunity to opt out.

admin answers:

The opt out option only works for 5-years.

This will remove your name from the national mailing list for 5-years and then it will go back on. By that time you will be out of school.

You might want to go ahead and get 1 or 2 credit cards first and then opt out. Just use them for everyday things never exceed 30% of your credit limit in any given month and pay in full before the due date.

If you do this, when you get out of school and want to finance something you will have a killer credit score.

admin answers:

Simple. The credit reporting agencies sell leads to credit card companies. Register with the national do not call list and report anyone that further contacts you. I’m not sure how to get them to stop sending junk mail or emails but try contacting the credit bureaus and see if they will opt you out of their leads. See link below to register.

P.s. If you are looking for ways to get out of credit card debt check out
the company I work with, link also below. Hope it helps.

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Yes, many unsolicited offers that you get in the mail have an opt out number on the small piece of paper listing their disclosures. I think you can also notify the credit bureaus (Experian, Transunion and Equifax) that you opt out, which will not allow credit card companies to view the basic criteria needed to extend an offer to APPLY for credit.

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Beware: There are many websites and numbers that are actually phishing for your personal information. If not outright criminal, they will simply sell the information you provide or charge a fee for something you can do for free. Use only the contacts listed below provided by the U.S. Federal Trade Commission.

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Absolutely no affect on any credit approval. Opting out will just get rid of all those solicitations for new credit cards — or at least most of them.

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No, opting out of credit card offers does not affect your credit. There’s no way it can.

If you’re concerned about identity theft you can opt out. You’re also saving trees. Plus, they’re annoying to get in the mail. Really, it’s up to you though.

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Opt out of them if they bug you. You can always call and get the current offers over the phone or through their website. As long as you maintain your credit there isn’t a problem.

Something doesn’t sound right about your wife getting offers in her maiden name. She should call the bank and get that fixed so her credit report is correct. Opt out is a second decision.