unsecured credit card
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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...
Mom Is Being Threatened by past Credit Card Companies
Asked by L.H. from Houston
on May 20, 2008
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My mom is being harassed by past credit card debt. What is the statute of limitations on being taken to court? The debt is from 2003. She was with a credit card deb...
Answers
- I had a similiar incident with a settled debt. Could she get copies of her checks. That way she has proof that she has paid them. I am not real certain what else sh...
- If she resides in the state of texas, they can't "do" anything to her. Different states have different laws. Credit cards are unsecured debt. The company is taking ...
- L., tell your mother to get caller id and stop taking the calls. My husband and I went through some very hard times not too long ago when he lost his job after 24 yea...
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...
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...
Credit Card Debt Needing Advice
Asked by T.P. from Kansas City
on February 16, 2009
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Hello. I'm a single mom who is currently not receiving any support from the father. Due to the legal battle we have gone through this last year, I have acquired appr...
Answers
- Look into Dave ramsey's financial program. I know alot of people who have success with this and I'm looking into it myself.
- Bless you. You are staying positive and looking for solutions, and I commend you for that. i am in a similar situation, having become a single mom unexpectedly recen...
- The best advice I could give you is to check out DaveRamsey.com. He is wonderful! Be careful of companies that say they can get rid of your debt. They will charge you ...
What Is the Best Way to Repair Your Credit After Filing Bankruptcy?
Asked by S.M. from Chico
on January 17, 2007
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I filed for bankruptcy 6 years ago...and have yet to even TRY to think about doing anything on credit since. However, my husband and I want to buy a house, therefore,...
Answers
- I bought my first home after filing Bankruptcy after only 3 years. I had a very goood loan person. His name is Merrick and here is his contact info. 1301 SE Tech Cen...
- Hi S., My name is C. and I am a Real Estate Agent. I Know quite a bit about Credit and you CAN recover from a bankruptcy. I do credit Repair, it works really well. Wha...
- Just FYI, when still in bancruptcy, any type of credit is under the bancruptcy meaning it does not count either way. So, it is obsolete. If the bancruptcy is done, t...
Cashing in My 401K to Pay off Credit Cards
Asked by J.V. from New York
on September 6, 2008
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Hello All, I have about 8K in credit card debt I would like to pay off. I also have 11K in an old 401K from my previous employer. I know the golden rule is not to ...
Answers
- Hi J., You should consult an accountant to be sure. But, I believe you pay all your capital gains taxes up front. I'd also consult an accountant about the best way t...
- DON'T DO IT! Dont cash in your future to pay off the past. You'll be creating more problems. Go to Consumer Credit Counseling Services, of New Jersey or whatever s...
- DO NOT DO IT! You will get hit so hard in taxes and penalties that you will have to take a loan just to pay that! My mom closed out hers at a previous job and she had ...
Best Way to Increase Credit Score
Asked by T.B. from Seattle
on July 17, 2009
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My husband and I are planning to refinance our home within the next 90 days. However we would like to increase our credit scores as much as possible within these 90 d...
Answers
- It really depends on how much you could spend and what types of cards they are. Have you credit pulled lately? This is the first step to make sure that your credit re...
- I would check out Suze Orman's website to see if she has any info that would help. http://www.suzeorman.com/ But, based on some of the stuff I heard her say - your ...
- I would say that completely paying off and closing 4 is the best option. Having lots of cards open counts against you even if your balance is low because you have so m...
Debt Consolidation Possibilities
Asked by O.S. from Birmingham
on September 30, 2010
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Loans to consolidate credit card balances are especially hard to find right now but I desperately want to do this to stop the revolving credit and get out from under t...
Answers
- My advice would be to absolutely do this as a last resort. Consolidating your debt can DESTROY your credit. Are you with a bank or a credit union? I have heard th...
- Check out Suzy Orman's website. Don't use a consolidating company- They don't do anything that you can't do on your own, but they charge $$$$. best wishes!
- Don't do it. It is as bad as filing bankruptcy on your credit report. You can do the same thing as the company would do. Read, The total money makeover by Dave Ramsey....
Personal Loans
Asked by C.N. from Phoenix
on June 15, 2011
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I can't decide so I'm asking you ladies for advice..I have been trying to get a loan and my credit is bad. Well I applied online and got a respond from a company. The ...
Answers
- No, I would not do this. Go to the library and check out this book: The Total Money Makeover by Dave Ramsey. It will help you start dealing with your finances and take...
- Well they are damn near impossible to google so I would imagine they shouldn't be trusted. Sounds like the money must be in one of their checking accounts? As othe...
- I would do some research on them - find out how long they have been in business. Try to find some reviews on them. There are a lot of bad loan officers out there!
