Credit Card Guide Live

I’m a college student and I don’t really have a credit history. I know companies have credit card programs specifically for people like me. Does anyone know who has the best program?

Deshawn

Hi. My wife and I both have terrible credit, and are looking for a credit card with rewards such as cash back or sky miles. We use our visa cards that are tied into our checking accounts so much that it is a waste to not get rewards, but it is hard to get rewards with bad credit. Any advise?

Ashlie

I am looking for a credit card in order to build up my credit. Also I am looking for other ways to build up my credit score.

Joella

I was just issued a replacement card for one of my current credit cards, this one is platnium and the old one wasn’t, the credit limit is the same though.

What is the signifigance of the platnium?

Jammie

Say somebody has X amount of credit card debt, then they die but still have that debt to the credit card company outstanding, what happens? Does the company have to write it off as bad debt or ? Perhaps the company can hit up that person’s estate. But let me pose another question then - what if that person’s estate does not have enough money to cover that credit card debt.

Shaunta

Between my husband and I we have like 6 credit cards. I want to know if there is a way to pay some of those off without consolidating. It is just the really sucky ones with the high interest rates. They are probably a total of $6000, but if I could just pay off a few this would help. I don’t think I could get another credit card and transfer the balances. Is it possible to get a small loan for this?

Carlotta

I need to find out where I can get a credit card for my seventeen year old. I need him to build credt before entering college in the fall. I heard capital one had one with like a 300 dollar limit for 18 a dollars a month or so. I cant seem to find where this is. I found several sites that show information, but nothing resourceful. Please help me or atleast direct me in the right direction.
Hey everybody,
I didnt ask for you to tell me about my parenting, but rather how to get the card. I will co sign, and I have a responsible child as well as majority control because I am the parent and the co signer. For all that did help thank you so much.

Tamiko

I’m going to Kansas in May and I need a credit card for my car rental. whats the best credit card to get? I’m 21 and I have a decent paying job, I have no cars or homes or anything in my name so I think i don’t have any credit. I also don’t have a checking account or a savings account. so what are my options when it comes to credit cards?

Dominique

I want to know because after reading about all the debt that you/people are all in in this credit category I don’t want the big dollor low intrest rate no fees credit card that are allowing people to spend like theres no tomorrow. Like no fees 9 % rates or lower, 10,000 and up credit rate . I will never spend more than $300 dollors on my credit card for something and will not use it again untill i pay off that in 3 months. Everything eles will be done with the debit card. I think some people are better off with the low credit rate credit cards with the 19 % plus rates to keep them under controll .

What are they buying to get in 10,000 to 26,000 dollors in credit card debt ending up fileing bankrupcy that they can’t wait to get??
Thanks everyone for the GREAT answers !

Kasie

I have a credit card that is over my credit limit but is still open or I have a card that is below the limit but has been closed by the creditor.
What is the best card to pay off first, asuming that the interest rates are the same. I’m leaning towards the open account that is over limit.
Which one would show most favorably on my credit file?
I don’t USE credit cards, only cash, so lectures about not using the cards is not needed. I made a mistake now I’m paying for it. Iw ill glady pay off my debts instead of taking the cowards way out and declare bankrupty.

No over limit fees, all of those are waived.
Likewise I am already paying well over the minimum payments on each one, but am thinking that I would knock one of the cards down to the mimimum payment and double up payments on the card that is not closed, but it over limit.

Sounds as if I’m heading in the right track.

thanks

Edra