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Archive for November, 2009

How many credit cards should you have to rebuild credit?

Nov 8

Posted by Banki in Credit | No Comments

Nikita pyta:
How many credit cards should you have to rebuild credit?

I am trying to rebuild my credit after ID theft, a couple of problems that were mine and years of basically not having any credit reported. (I primarily use my debit card and pay cash for everything). I make good money now and am trying to rebuild in order to purchase a condo in the next couple of years. My good accounts (rental, club, cable, cell, etc.) have not reported my good credit. So how many cards should I take out that will help boost my credit score but not hinder my credit. Thank you!

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How does someone build credit without a credit card?

Nov 7

Posted by Banki in Credit | 8 Comments

Li pyta:
How does someone build credit without a credit card?

I am thinking of those who do not have a credit card and pay for everything by check and cash. How is their credit rated? Is it based on a loan for example (car, student, etc.) and what if it is their first time applying for such a loan? How is their credit history looked at then? What if someone is applying for an apartment rental and does now own a credit card?

I have always wondered this.

Also, some people, after having paid off their debt, switch to using cash or check only, but apparently no activity at all on your credit card accounts isn’t good either.

Any input?

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How does getting credit back on your credit card work?

Nov 6

Posted by Banki in Credit | 4 Comments

Dr. Bass, M.D, Ph.D pyta:
How does getting credit back on your credit card work?

Let’s say I buy something for $100. I return it and they say I will have that credit back on my credit card. So now my credit card balance is $100? What if I paid for that $100 already and then returned it and got credit back? Can a credit card have a balance and have money withdrawn from it?

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How do I find Banking information of a person who owes me money?

Nov 5

Posted by Banki in Other - Business & Finance | 3 Comments

GONZO pyta:
How do I find Banking information of a person who owes me money?

I took a guy to court and I won Judment on him, the court says its up to me to get the funds from him, they told me to find his banking information and I can pull funds from the account. But how do I find the account information?

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What credit card can I apply for that does not check credit?

Nov 4

Posted by Banki in Credit | 5 Comments

sayyeahh pyta:
What credit card can I apply for that does not check credit?

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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What is a good credit card to start out with?

Nov 2

Posted by Banki in Credit | 6 Comments

koutekinte pyta:
What is a good credit card to start out with?

I’ve applied for several credit cards and I keep getting denied because I have 0 credit. Meaning I have never had a credit card or done anything with my credit.

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How exactly does a credit card work?

Nov 1

Posted by Banki in Credit | 11 Comments

indrep33 pyta:
How exactly does a credit card work?

I want to apply for a credit card that starts out with a minimum credit line of $300. If I get it, it will be my first credit card. If I get the $300 credit, I want to make a purchase for like $200. Is this a good thing or a bad thing to do? Can someone give me some good tips on handling a credit card without getting bad credit?
I will mostly be using this card trying to start an at-home business.
Ya mama b*tch. Eat my p*ssy, h*e!!!
Oh, rudecatt63, you’ve hurt my feelings ever so much, I’m going to cry….NOT. For someone who keeps visiting the GLBT section and has a rainbow in they’re background, you sure do do a lot of gay bashing. Self hate is so stupid. But then again if I were you, I would probably hate myself too.

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What does transfering money to your credit card account do?

Nov 1

Posted by Banki in Credit | 3 Comments

Brandon S pyta:
What does transfering money to your credit card account do?

Obviously you pay off a credit card bill with a check or using bill pay through your bank. I have a credit card account through Wells Fargo, and I notice that when I choose to transfer money from my checking account to one of my other Wells Fargo accounts, I can transfer it to my savings as well as my credit card account. What happens when I transfer money to my credit card account? I did not know you can do such a thing. Is that for stashing cash away so I have money come bill paying time?

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