swoop asked:


My credit limit is about $1200 and I’ve been spending about $300-$400 for the past three months but I have been paying most of it or all of it off, but is that bad or good for my credit?

Tara

Justin M asked:


I want to get a credit card but I have no way of getting on with out any credit. How is it possible to get a card. I need to build my credit to get loans for school.

Grace

Danny Lam asked:


I’ve heard you should keep the credit ratio for each card at 20% or below. If I have $600 credit limit and I spent about $180 on the card, which is 30%, will this affect my credit score if I pay it off the next day? Do the credit bureaus count credit utilization as credit balance carried over for that period or whenever you use that much credit limit even if you pay it off asap without carrying a balance?

Edwin

Nella asked:


My boyfriend is in the process of clearing up some derogatory items on his credit. Once he has paid his debts how many months will it take for him to be approved for a credit card? I understand that the items will be on his credit for 7 years. Will he have to wait until then to start reestablishing credit?

Benjamin

Shreads asked:


I cant get a credit card due to the fact that I have no credit. They say you cant get credit with no credit, ok? Are there any useful tips or information as to how I can build credit and build it fast. How can I become eligible for a credit card?

Yvonne

jaquenette strowd asked:


I have only have one revolving credit card, and I have a very high credit score. Because of this overall score they subsequently increase my credit line, even though I don’t ask for or use this revolving line of credit. Question? I have been told if you ask for a credit line decrease they lower your overall credit score? Why? What can you do to minimize a lowered credit score?

Leslie

leisha lampkin asked:


I recently opened a new credit card and noticed that my fico score plumetted 50 points after doing so. How long will it take for credit score to get over the fact that I opened a new account and regain those 50 points?

Vicki

Nathen Marlee asked:


I no longer have a credit card and every site I go to asks me to purchase my credit report. Is there anyway that I can get my report without using a credit card?

Ricardo

beatrice baniaga asked:


I recently opened a new credit card and noticed that my fico score plumetted 50 points after doing so. How long will it take for credit score to get over the fact that I opened a new account and regain those 50 points?

Karl

Alison F asked:


I want a limit of maybe 10,000 dollars to help with my wedding. I also currently have a credit card, my only credit card of 3,000 dollars that I would like to pay off with the new credit card. I have very good credit so I really dont think that will be an issue.

Martin