I have excellent credit, all 3 scores in the 758 to 798 range. I only have 2 credit cards, but theyre both just basic cards from when I was 18. They don't offer benefits/rewards or anything. What card can I apply for that gives rewards to people with good credit?
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I'm young with no credit and no checking account. I've been looking online and have only come across debit cards or credit cards that require a checking account. Where and how can I get a CREDIT CARD w/ no credit and no checking account?
Includes protective presentation sleeve for each one
Only 0.5mm thin, yet 3.5x magification
Label can easily be affixed on bottom half
Product Description This is an assortment mix of 5 credit-card magnifying glasses. 3.5 times magnifaction, yet thinner than a credit card. You will receive one each white, black, blue, red, and green. Keep these in your wallet when you can't read small type, need to see small parts, small detail work; super convenient; you can afix a label to promote your business, your customers will use them for years. These are strong semi-rigid and only 0.5mm thin. Very convenient to keep in your … More >>
I've had this account for about two years, and I haven't used it in a long time, and I'm thinking of closing it but I don't know how it would affect my credit report. This is a secure credit card, with only a $300 limit. I have two other credit cards that I use a lot more often and I've been very responsible about paying bills on time.
It is a duty and a responsibility of every credit card holder to effectively maintain the credit card account by paying of the balances in the month end and ensuring that no credit card theft or scam takes place. You do everything that you could maintain your account, but have you ever wondered that there are some common mistakes which can easily turn into a big problem if they are not looked properly.
Maintaining a good credit score- It is imperative to maintain a good credit score so that you do not have to face problem in acquiring other type of loans in the future. If the credit score is not good then not only it will have a negative impact on your credit score, but it can also limit your borrowing capacity.
Paying the bills on time- Always remember to pay the bills on time as it goes a long way in improving your credit history as well as the credit card account. When the credit card bills are paid on due date, then it creates a favorable impression in front of the credit card companies, which ultimately benefits your credit card account.
Avoiding credit card theft- This is one of the most common causes that can really have an effect on your credit card account. If you happen to lose your credit card and if any unauthorized user access your account, then there are chances that all the funds in your credit account is withdrawn and if the incident is not reported, then you may have to bear the hefty bill that comes at the end of the month. So, be vigilant while using your credit card.
Reading terms and conditions carefully- If you are planning to take a credit card, then do not forget to have a hard look at the terms and conditions of the credit card document carefully. There are chances that some of the credit card companies may offer you something than what was promised earlier.
Checking credit score- Credit score greatly reflects your credit card account because credit card companies always refer your credit score before disbursing any type of credit card or loan. In order to check your credit score, ask for a free copy of your credit report from the credit rating agencies and cross check it. If there is any wrong entry, then immediately get it corrected unless and until it drains your credit card account.
Therefore, taking a few extra step and effort from your side goes a long way in maintaining a healthy credit card account and most importantly it also saves you from lots of problem that may arise in the near future.
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The overwhelming nature of Credit Card Debt has got into every Americans' nerves and the same has taken an even worse shape due to the very recent debt situation followed by its aftermaths like recession, job loss, salary cuts and so on. The credit card companies no doubt have played a role in alluring card holders into more debts with their tricky traps and apparently tempting offers. As a result, the card holders get entangled in the vicious cycle of credit card debts; from where even the credit card debt relief options are becoming incapable to provide apt credit card debt help. The first step to credit card debt relief is to understand that credit leads to debt. It is important to comprehend the very nature of the credit card and their positive and negative implications. Credit cards come with high interest rates and allow consumers to purchase items with money that they don't have, just to have to pay it back in greater amounts; used incorrectly, credit cards can be dangerous. In order to reduce your credit card debt, you have to get familiar with your credit score and your credit strategies. If you are the type of person who succumbs easily to "impulse buys," you do not have any use for a credit card. Debit cards allow consumers to pay for items in full, from a checking or savings account. In other words, you are spending money that already belongs to you.
Getting out of getting card debts is not easier than staying away from its pangs and so a consumer should beware of the impending dangers that a credit card outstanding can bring upon the card holder. Acquiring credit card debt relief can come in many forms. You may use your savings account or your life insurance amount to pay off the entire debt and to get back on the track; as you can always replenish your savings account after you have gotten yourself out of credit card debt, and borrowing money against insurance or savings plans can be less tedious than paying the high interest rates associated with credit cards. Next, you should assess all your expenditures that are charged from against your credit cards and should make cuts in your expenses which you can very well do without, at this time of financial crunch. In case you want relief from credit card debts all by yourself, you can go for professional assistance of credit card debt counselor, who can negotiate with the credit card companies in order to settle your credit card debts into an amount which can be afforded by you. The companies generally agree on that as they too would not want you to file for bankruptcy. Most of all, one should check his/her spending habit in order to escape any such financial difficulties in the future.
I am only getting a credit card so that I can make small purchases and pay them off right away to build my credit. Please do not lecture me on how to use a credit card, I am already fully aware. I just want to know which credit cards have the lowest rates for an eighteen year old with no credit. Thanks in advance!
If you are just going to answer "none' don't bother.
There are many ways that that credit card articles can benefit you. There are many different types of articles that are available for you that can guide you on the know how of the credit card. There are many features of the credit card that can be described in credit card articles.
Let us first of all understand how it is that you can get the best credit card that will meet your requirements. The first thing that you need to do before you purchase a credit card is to research on the internet. There are many ways that you can do it. First of all you can look up the websites of different banks and credit card companies. This is where you will get all the details of the credit card. Once you have got the information collated then you need to move on to another site and another credit card product that has got good features. Likewise look at other products and note down all the features of each. Use credit card articles to assist you in searching for the right credit cards. The credit card articles always help to gain a better understanding of the credit card features and services.
If you do not understand how to identify the features of a credit card and how to understand whether it is beneficial or not, then you can always refer to credit card articles that discuss the features in detail.
The second thing that you need to know and understand is about credit ratings and how the credit card agencies use these ratings to determine whether you are a likely candidate for the credit card or not. This is something that credit card articles can always help you learn about. Always check your credit rating before you apply for a credit card because if your ratings are not that good, then the card will not be granted to you. If there is a dispute in you credit history that might affect your credit ratings and make them better, then always get the dispute resolved first and then apply for the credit card.
Your credit ratings are absolutely vital for obtaining a credit card. This is because the credit ratings depict the likelihood of you paying the credit card bill in time. This is based on the history of your payment of bills of all the credit services that are offered and in some cases the utility bills are also included in calculating the credit ratings. Therefore if you pay all your bills on time, then you will have a good credit score. This is an assurance for all the credit card agencies and banks that you are a customer who will be regular in payments and not default.
