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No or Not Good Credit, but Need a Card
Asked by K.S. from Dallas
on March 7, 2011
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Hi there!
I have little or no credit at all. been married almost 7 years. The only credit card we have he signed up for years ago and we have less than $9000 in ...
Answers
- I had the same problem. I had to get a "secured credit card" through my Credit Union. I had to pre-pay at least $250, but could put as much as I wanted on it and that...
- CC that are for no credit or bad credit: www.firstpremierbank.com www.firstsavingscc.com www.citicard.com www.orchardbank.com www.capitalone.com I had cards al...
- I've been there before a few times. You can go with an orchard card or first premiere. They generally help people with little or no credit. It will be a small amoun...
Looking for Advice on Credit, Mortgages, Real Estate
Asked by B.K. from Detroit
on July 17, 2009
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Hi Mamas!!
We've decided it's time to buy a house. We are for sure going to stay in MI so we are ready to commit to purchasing a house. We do have a few issues th...
Answers
- My husband is a branch manager at Top Flite Financial in East Lansing. He can help you fix up your credit and see you into your home in the near future. Give him a cal...
- The good news is that it is never too late to start rebuilding your credit--but it can take time. Pull both of your credit reports (maybe go to your bank and have the...
- When we were looking at buying a house our bank told us that even though we had a couple of open credit cards it wasn't enough revolving credit. So I would ask your le...
Seeking Suggestions on Toddler Car Seats....
Asked by J.C. from Tampa
on July 7, 2008
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Hi Moms. I am having trouble with my daughter's car seat. She's two, she's 36 pounds so we bought a "booster" style seat that has a bottom base for her to sit on and...
Answers
- I have done a lot of research on car seats and children should be in a 5 point harness until they are 6, if you are pulled and they are in a booster and are too young ...
- Hi. I agree with the others that she should still be in a 5 point harness car seat. In fact, I believe it is actually the law that says children under the age of 4 sh...
- I read through all of the responses that you have gotten so far and I agree with them all. I realize your daughter is pushing the 40lb limit of most 5 pt harness, but...
Applying for Credit Cards as a SAHM
Asked by S.G. from Dallas
on January 5, 2011
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Here's a bit of history: Before becoming a SAHM, I had credit cards but only store cards i.e. Dillards, Sears and Macy's. I wasn't too concerned with having credit car...
Help - Which Credit Card Should I Get?
Asked by A.J. from Dallas
on April 3, 2006
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Hi Moms,
I have to get a credit card and I have never had one before (don't believe in them at all) and I have no idea which one to get.
Is there one that is bet...
Answers
- A., I have no idea how old you are but after working for 4 years in a credit card collections department I think it is absolutely outstanding that you are asking th...
- I like Discover. You can get cash back rewards, they have a low APR (which is annual percentage rate, or what they charge you on your balance.) My best advice is to d...
- I would suggest you check with your bank first. Normally a bank will offer a credit card that you can pay directly from your bank account online. Also, the APR is norm...
Credit Cards
Asked by C.B. from Kansas City
on March 17, 2011
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ok mamas, you have to grade me on a curve here. i had ONE credit card in college which RUINED both my credit (stupid college kids!) and my taste for credit cards. i ha...
Answers
- If you have ever heard of Dave Ramsey of if you haven't....get to know him. NEVER EVER get a credit card. I would say if you absolutely have to have one for the car re...
- I have had to rent a car a few times in the past two months at Enterprise. You can either use a credit card or cash/debit to rent it (they have to run it for the depo...
- Do you have a good relationship with your bank (long term customer, more than one account, etc)? If yes, then you may want to try applying for their card. Do you k...
How to Come up from Bankruptcy?
Asked by L.C. from San Francisco
on January 4, 2011
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Hi Moms.
So, I finally made the decision to file for Chapter 7 a year and half ago. I was trying to recover my credit after my first marriage ended in 2003. Had m...
Answers
- One thing I would mention here is to 'OPT OUT' of future credit card offers. Every time you're pre-approved means a hard hit on your credit report - which reduces you...
- I agree with most advice given to you already. Get ONE (and only one) secured credit card for now. Do not apply for credit any place else because each time your cred...
- Dave Ramsey! I ordered one of his books, it is being delivered today but just some of the stuff I read on his site has already helped me start getting my finances in o...
Credit? What Credit?!?
Asked by L.L. from Rochester
on July 30, 2011
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I was going to ask this anyhow, but someone else inspired me to do it now. :)
I'm 30. I've never had a credit card...not one...in my life. I've paid off one 10,0...
Answers
- I totally agree with the person encouraging you to read Dave Ramsey's Total Money Makeover. Reading his books and following his steps of debt repayment has changed my...
- When my husband and I were first married and were trying to establish credit we ran into this problem. You need credit to get credit! Very frustrating. What we were to...
- Read a Dave Ramsay book. It's possible to live life withOUT what society calls *credit*! Why do you even want a credit card at this point? More important is an em...
Safe, Quick, Way to Build Your Credit, Have Never Had a Credit Card Before...
Asked by M.M. from Gainesville
on April 28, 2010
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We have rented too long and are wanting to buy a house soon, the problem is....we don't have credit. We have never owned a credit card. Because we never wanted things ...
Answers
- I'm not sure how soon you are hoping to buy, but building credit can take time. If you have no credit at all, you may not be able to get a credit card the way someone...
- PLEASE get a credit report BEFORE doing anything. You are entitled to one credit report for free from each of the three credit agencies per year. The official, gover...
- Hi MadieSue, As a former credit exec, I say Bravo! Don't think that a credit card is what you need to build credit. There are many banks that give loans for homes t...
Credit Starter
Asked by M.B. from San Antonio
on March 30, 2009
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i was wondering if anyone knows of a good credit starter credit card with low interest and apr. and also a good credit limit?? please let me know. thanks.
Answers
- If you don't belong to a credit union you can join, I would suggest that. My credit union is GREAT. I will NEVER go back to a regular bank. I have two secured cred...
- Another Dave Ramsey fan chiming in here. Please do not get a credit card just to "build your credit" (or encourage anyone else to do so...especially a teenager or col...
- My husband and I have found that the best credit card is American Express. It has a good rate. Now typically if you don't have any credit your limit is going to star...
