Credit Card Guide Live

I have no credit and I am having a hard time getting approved becuase of it. Just wondering what kind of credit card I could get approved for that isnt ripping me off with fees.

Ronda

I just finished college, and work full time. I have a debit card, and building good credit from paying off loans. A lot of people have been telling me to get a credit card, but I wonder if it really is necessary. Please give me some good reasons to get a credit card other than building good credit. The only other advantage I know about is those point-system/rewards credit cards, that earn you miles or other things. And what is the best credit card to get for a first time credit card holder? The number of choices are a little overwhelming. How did you choose your first/main credit card?

Cedric

I am curious to know how much start up money would be needed to start a small Credit Card Company. I am interested in extending credit with Secured Credit Cards with low limits for individuals looking to establish or re-establish credit by a secured credit card. Also I have thought about prepaid debit cards for those in chexsystems and cannot get conventional checking accounts.

Any help?
What I mean is not to broker, but to be able to start a very small company directly.

Palmira

I am tring to build my credit fast but I dont have a credit card. I have a debit card. I got a card at target and continue to use it and pay it off. I tried to get one at walmart but cant because I dont have a credit card. what stores could I get one at.

Mireya

How much credit card company charge for each transaction? Since credit card company gives reward credit for using their cards, in situations I can use either case or check, should I opt for credit cards because they offer reward points? Or it does no matter? Thank you for suggestions?
I pay off the statement balance each month.

Brandee

I have great credit 755 and want to get a secure credit card, would it hurt my credit?

Hanh

I got my first credit card a couple years ago via Bank of America, and my current credit limit is $9000. Since I don’t have any experience with credit cards in the past, I’m wondering if this is good or not? Is there anyway I can increase this limit? What do most credit card limits start at?

Lorrie

If I have a credit card that I do not use, how does this account reflect on my credit report? Does it show an open account in good standing?

Felice

I always pay my credit cards in full every month, but I was wondering how carrying a balance works.

Say you charge $200 on the card and pay only $100 when payment is due. You charge NOTHING on the credit card the next month, and after the statement closes, you’re imposed a $10 finance charge.

To re-establish the grace period, do you have to pay $110? Or just the $100 principal? Or what?

Lorretta

I’ve already applied for 2 other cards and have been denied because I have not revolving credit history. But they weren’t student credit cards, which is what I guess I should have applied for first. Anyway what would be the easiest student credit card to get? Share your experiences please.

Milissa