dx7alex asked:


I have an unsecured $250 limit card that I got to re-establish my credit after my discharge. Problem is these cards are full of fees and monthly dues but they do report to all 3 bureaus which is good. Am I going to be on the same situation no matter who gives me a credit card as far as fees and high interests? I wonder if a secured credit card would help me better? Any suggestions?

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Jshan asked:


What percentage of all credit card holders contact their creditor or a third party (attorney, debt settlement company, credit counseling) for help when they are having trouble paying? What percentage of just delinquent card holders call for help? Does anyone know if there are studies on what causes a person to decide to call for help? In other words, is there a typical “tipping point” such as amount of debt, number of days late, etc?

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juliet asked:


say you are in good staying, never was late. always payed the balance. but you have too many credit cards let’s say. so when you cancel that credit card. what happens to your credit score? Does your credit limit you had for that card get erased from the records? after all those years of building the credit limit to help the credit score. what happens to it? and what happens to your score? i’m just curious.

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Solomon M asked:


I am trying to apply for a Valero gasoline credit card..

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FAYE J asked:


I am not a US citizen; I am a civil engineer from abroad; I have a green card since end of 2005; Accepted my first position in the US last january 2006 with 45K salary. Presently I am in a 60K position. I have a bank account in the US since 2003 and 2 saving accounts since 2006 (totalling more than 15K). My real question is: how can I have a sufficient credit history if all my credit card applications (even from SEARS) are denied for that lack of sufficient credit history?

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single_mother asked:


Alright, I have searched the internet and asked people this question. I want to get a credit card to help build my credit. But I am having trouble finding a real credit card. I do not want a debit card. I know they exist, so please help me. Is there a real credit card for people with absolutely no credit?

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sayyeahh asked:


I am attempting to build a positve credit rating and I need a card that reports to the credit bureau, but will allow me to obtain it without a credit check. HELP?

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illusional_reveur asked:


I’m soon to be 18 and am looking to get a credit card to help build credit. My dad said the best thing to do is to just use it to buy gas, but I’m not really all that up to date on how credit cards work and which ones are the best. Does anyone have any wise credit card wisdom to pass on to me?

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wrightemail256 asked:


Can I start building my credit by paying for things with my bank card and telling them to charge it on credit? (I do not know much about how to build my credit so please help me!)
Question: Best credit card to get to starting building credit and can I build my credit by using my bank card and telling them to charge it on credit instead of debit?

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maeganana asked:


The only credit type thing I have is my cell phone. And I want a credit card to help establish my credit, but I don’t want to apply for a bunch and be getting denied.

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