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Bad Creit Credit Cards
Tom Said:Credit card pin-number ?
We Answered:its usually about a week. if you haven't recieved it by monday, i would go to the bank and speak with someone and they can call their debit department and ask if it is atleast on its way and if not order you one, and hopefully they can rush it to no charge to you.
Edgar Said:has anyone tried the credit cards for people with bad creit, if so are there any good ones out there?
We Answered:Stay away from them, their interest rate can be as high as 30%. Sure, they will give you credit, but you will pay the highest interest rate allowed by law, plus annual fees, etc.
Steve Said:captial one credit card?
We Answered:Get rid of this company,,,,,,haven't you heard about the
problems with them,,,,,,,,,,,,,,,,,,here are a few complaints,,,
The best thing for me was to get rid of this card,,,,,,,,,,,,,,
Floyd Said:Compromised creit card?
We Answered:You should call your creit card company and see why they issued a charge against your creit card. Then they should creit you the difference.
Carmen Said:I have really bad credit, can I ever fix it?
We Answered:Eileen, it's not the end of the world, let start off by saying that. People make mistakes, that's why there's rubber at the end of pencils. The first step, which you've done is acknowledging your past mistakes and preparing to correct them. First things first, in order to raise your score, it helps to know what makes up your score:
1. Payment history- 35%
2. Total debt to avaialble credit 30%
3. Length of time establishing credit- 15%
4. Types of credit established- 10%
5. Inquiries and new accounts- 10%
Ok, now that's out the way, now you have to equip yourself with some tools to get you back on the right track, starting with a checking account. Now you mentioned that you bounced checks in the past and overdrew your account. The only way that this would hurt your score is that the account closed while it was still overdrawn. Hopefully, that didn't happen and you still have a checking account. A checking account is one of the most important and powerful tools when it comes to building credit. It does many things like establish a banking relationship to where you can make yourself available to other products that are offered just by being a customer. But more importantly, it allows you to do the most important thing in building credit: paying your bills on time. Now if you don't have a checking account, then that can be a problem, especially if you're in ChexSystems for bouncing checks and overdrafts. An option you can do is AccountNow. AccountNow is perfect for people that has had problems in the past with checking accounts and now can't get one. It has a debt card and online billpay that also helps to build credit.
Like one of the posters had mentioned, getting a secured credit card would be the best way to go right now. You would have to put a deposit upfront that's used for collateralto get a credit line of the same amount. For example, if you put up $200, you would get a $200 credit line. Now the credit can be increased by adding to the deposit which wouldbe a good idea, because the higher the limit that reports on your credit, the better. Another thing is that the deposit gains interest while you're building credit so the bigger the deposit, the more interest you gain. A suggestion on how to use the card would be to make small purchases that can be paid off on time every month ($20-50/month). It's important to manage the balance so that it doesn't get out of hand and get maxed out. At any given time you should use no more than 25% of your available credit. For example, you have a limit of $200, your balance should be no more than $50. After paying on time and managing the available credit for usually a year or so, the card either changes to a regular one or a better card's offered and the deposit is given back. I posted some links to some secured credit card companies. I would suggest opening 2 with different companies, and no more major cards after that for a while.
Hopefully these tips I've provided will help you out some
Claudia Said:i just applied for two creit cards wth two seperate companies, is it true I won't get either as A.?
We Answered:If your credit history is bad, you will get denied for both cards
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