i was told to try and get a credit card from these sites. the reasion is because i have no credit. literaly. i went to my credit union and the lady said i had no credit. (i am 20) so i was told to go to these sites and see if i could get a student creditcard from them (i am a full time student so no job yet). the idea id to use the cards for small things and let part of the debit carry over eac month to show i am using the cards (i was told to let no more than 20 bucks go on to the next month) and hopefully build uo my credit score.

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Im currently disputing a lot of derrogatory info on my credit reports from all 3 agencies. I currently have no major credit cards and was informed that if I opened a credit card account and made the payments on time that would up my credit score.

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Hi. I recently just got my first credit card ever and used it to make a $1600 purchase. The credit limit is $3000, so obviously I’m over 50% of the balance, and I just learned that’s bad for credit scores. I expect to be able to pay off the purchase in the next two or three months. Will my credit score go back up immediately after I get the balance on my card down, or will it take a while? Thanks.

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I have a pretty low credit score (597) and want to begin rebuilding my credit. The score is low from charge offs about 3 years ago. Is there a certain bank or credit card that is easier on people like me that will give me a credit card? And yes–I do plan on paying on time. It would be for small simple purchases that I would otherwise buy with cash and could pay off easily each month.

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I see a great deal at a store to open up a credit card and get a prize or a rebate. If I want the big discount I open the credit card and then get the discount but I don’t want or need the credit card at all.

Is it better to close down this new card or keep it open with a zero balance? How does opening and closing account affect my credit score?

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I have decent credit but I had cancelled all my cards when trying to get out of debt. I am now free of all unsecured debt but I need to have a card so in the future I won’t be hurt by having no credit.

I’m thinking I want a card with no annual fee and a low APR. The card would only be used very occassionally and paid off immediately. I have no desire to repeat previous mistakes.

Does anyone have any recommendations for a good card for this purpose?
Okay, as I said, but everyone is skipping, is that I have decent credit. My credit score is 700.

When I got into trouble I went into debt consolidation right away BEFORE my credit got screwed up.

But I do appreciate those of you who are taking the time to answer.

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I have 2 credit cards and they’re not even that much. I’ve been paying every month to reduce the balance but after interest charges, it seems to go straight back up. I recently checked my credit score, and it’s in pretty OK shape. I know if I get another credit card, my credit limit will be enough to cover for both debts. My plan is to just get a new credit card with no interest for one year and pay them off then cancel my other 2 credit cards.
Is that a safe idea? Will it affect my credit score (negatively) that much to do so?
Thanks.

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Credit card issuance to minors is not prohibited. Credit card companies even see teenagers as a way to make their market more lucrative. As this is the reality, the question would be this: “Are Student Credit Cards Advantageous or Disadvantageous?”

Most parents believe that allowing their kids to have credit cards at a young age teaches them a lesson about managing their finances or money. The one thing that the parents should be aware of in terms of giving their children credit cards is to ensure that these kids are given guidance as well as support for them to be responsible in handling their credit. Having student credit card also helps in building the kids’ credit histories that are truly important in the future.

There are some financial institutions that have second thoughts when it comes to issuing student credit cards, and if they ever issue one, they only give a very low credit limit and when the student fails to pay on time or goes over the credit limit, these institutions charge a lot higher interest rates since they know how risky it is to issue credit cards to students knowing of their instability. Therefore, a student should learn that having a card is a big responsibility. In the event that the said teen has proven his or her maturity, then a good credit score is up for grabs at the credit bureau, giving them an established credit history after they finish school.

If a student wants to apply for a student credit card, what is the first step? The first step is to have credit since it is a fact that in order to get credit, you need credit. Here are easy ways to establish credit and be able to apply for a student credit cards: One step requires the student to open a checking account or savings account. Once the creditors see this information, they will, more often than not issue a credit card because they have seen that the student has an account that could be used to pay the purchases.

If a teen still is unable to get a student credit card from a credit card institution, another way of jump starting credit is to apply for a retail store card. It’s definitely easy to acquire a store credit card, and by using it in a wise and responsible way, one can start building up credit positively. In just a few months, the student can reapply for a student credit card in a major credit card company and would most probably be approved as soon as the creditors see how responsible the student has been with the retail store credit card.

Knowing that there are a lot of institutions offering student credit cards today, the student should select a card with the best offer and below are the basic features and benefits that should be present in the card applied for: there should be no annual fee, no co-signer requirements, no minimum income, zero percent introductory fee with a low APR after the introductory phase, and of course, a free rewards program.

There may be dangers present when a student is given a credit card but we should not forget the benefits there are. Student credit cards are tools for establishing credit, and careful and responsible usage helps build the student’s credit score. Student credit cards also offer a lot of great rewards that can benefit the users a lot.



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Your free credit report supplies you with all the necessary information you need to know about your personal credit history. You can request your credit report personally and receive the information online. Without much effort and a small amount of time, you can request a “free copy of my credit report” from an online service.

The website Annual Credit Report allows you, the consumer to review your free credit report once a year. If you do not have access to a computer, you can request a credit report by filling out the information available from the FTC and sending it to the address provided for Annual Credit Report.

The three top credit agencies that you receive a credit report from are Equifax, Experian and TransUnion. These credit-reporting agencies have all your personal information as well as your credit history and your credit score. All the reports come as one request per year. If you decide to ask each credit agency separately in writing for this information, without using Annual Credit Report services, you have to pay a fee for the credit report.

If you have received a denial on a loan or credit card, a job or an insurance policy, you can still receive a credit report free from the credit agencies without payment. This has been a ruling for years and this free service does not affect that option. Because your credit report is free, viewing it once a year prevents any problems down the road from fraudulent claims or identity theft as well.

Obtaining a free credit report online is done by visiting the website and checking “free copy of my credit report” then submitting your information. This is a free credit report without a credit card. Annual Credit Report does not charge to view your credit report like some sites. It is hassle free and quick with no payment needed, unless you request your credit score, which is a different type of credit history.

Since your credit report supplies creditors with information on your payment history, how much credit you have taken out and still have or have paid off, you want to stay on top of the credit report to catch any errors that may occur. The report also get creditors see how many times you applied for credit and been denied or approved. Because of this reporting process, you may find some applications that you never knew about. For more info see http://www.creditscorereportguide.org/No_Credit_Check_Loans on slow payment history.

Get your free credit report today from Annual Credit Report and see what your credit history says about you and your finances. Do not get turned down for a loan or a job because you had no idea that your credit report stated something less than satisfactory.



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