Janie asked: When I turned 18 I knew I needed credit cards to grow credit. When I reached the $500 limit on my first card and the $2000 limit on my new card when I found that this was not good for my credit. I hear that as long as you don’t spend more than [...]
Jhovanska M asked: I have a credit card debt is not so much I actually thought I can pay it all off. I received a phone call from the bank and they offered a settlement much less then what I owe. Can this really back fire on me or affect my credit in a really [...]
samuel samuel asked: Have a few credit cards with high rates that we no longer use. Is there anyway to get rid of a $10,000 credit limit on a card that has a zero balance without killing our ‘excellent’ credit scores?
We would like to increase the limit on our lower interest rate [...]
sx24 asked: I have credit score of around 210. I have unsecure debt of $85,000 with $0 income. I have been delinquent since 2008 and changed my phone number 3 times. And i’m getting sued by several creditors and my bank accounts are shut too.
Now that filing is just around the corner, how much [...]
aShLeY asked: im trying to find a store that i can get a charge card. im trying to improve my credit. I have a score thats really low and ive even tried orchard bank. any ideas for some store credit options????????
also i do have a repo on there and only one credit card. ive tried [...]
M asked: I just turned 18 and want to establish credit for myself. I do not really know anything about credit. My sister’s boyfriend never got a credit card or anything, now he is 26 and has no credit.
How do I establish credit? Do I absolutely NEED to get a [...]
nmommy07 asked: I am thinking of getting a particular credit card to use on a purchase due to the fact it offers money off the purchase. I know this isn’t a great idea, so I’m still thinking about it, but my concern is with my credit. My credit is fairly good right now [...]
Bryce asked: I always thought at 18 they love to give you credit cards, I’ve tried Capitol One, Chase, a QT credit card, and a Best Buy one. All deny due to no credit history. I obviously can’t get Credit history if they won’t let me have credit. I Work 2 jobs and just want [...]
Dex asked: Im 18 with zero credit history and im having trouble building my credit. My parents have bad credit so i have no cosigners. I cant buy an old car or anything. So i started small. A credit card. I was denied. How am i supposed to build credit when im not givin a [...]
soulweaponry asked: I’ve always heard its good to keep your credit/balances at a certain ratio to improve your credit rating. What should mine be? I have 2 cards: one with a $200 limit and the other with a $250 limit. How much should i spend on each?Thomas