Archive for January, 2010

What is good credit card interest to look for?

Emily pyta:
What is good credit card interest to look for?

My husband and I both have steady jobs (hes in the army). We also have great credit. We have never had a credit card but have been talking about it lately.

Whats a good credit card interest to look for? Any other good credit card information we should know? (that we cant find online)

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What credit card company or bank doesn’t check transunion only equifax and experian ?

kenneth d pyta:
What credit card company or bank doesn’t check transunion only equifax and experian ?

What credit card company or bank doesnt check transunion only equifax and experian ? My credit it perfect on the 2 and not on transunion. I want to get a LOC or CC .
Thanks in advance.

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What is the best credit card for students?

Sergio G pyta:
What is the best credit card for students?

I want to get a credit card to purchase a laptop and to build credit. What is the best card I could get with the most benefits and best interest rates?

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What is the difference between a secured and unsecured credit card?

Marc S pyta:
What is the difference between a secured and unsecured credit card?

I want to go on a trip and rent a car and get a hotel room. I have a credit card but it is over it’s limit and I applied for a credit card and got rejected. I don’t know what a secured credit card is. Can a secured credit card be used the same as a normal one. Do you put money on it like a debit card? Any help will be helpful. Thank you.

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What to do when your credit card company causes overdrafts at your bank?

daveysgirl126 pyta:
What to do when your credit card company causes overdrafts at your bank?

I recently paid my credit card bill of $2.27, however the credit card company entered the payment as $227.00, causing $50 in overdraft fees at my bank. The credit card company had me fax over a statement with the bank fees on it so they can take care of it, however after 3 weeks they still haven’t done it, they tell me that they don’t even know if the statement is in the building and that they get hundreds of faxes a day and as soon as they get to it, they will handle it, what if this takes months? Is there a way I can make them take care of this matter more quickly? I just went ahead and paid my banks fees just so I could use my bank account again. Did I do the right thing? What if the credit card company never received the fax and they end up asking for another one, how can I make sure that they receive it? They corrected the mistake between the $2.27 and $227.00, maybe that’s all I can hope for.

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How do we get our free yearly credit report from internet?

kecia pyta:
How do we get our free yearly credit report from internet?

I need my free yearly credit reprot from the major credit agencies. I have heard that a law was passed and all agencies were to provide a persons credit report free once a year. I have encountered several websites claiming to be free but there are none that i have yet to come across. I do not have a bank account to paypal any of these credit report sites. How do I get my free credit report.

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Why is the Obama admin tougher on auto industry than banking industry?

Critical_rationalist pyta:
Why is the Obama admin tougher on auto industry than banking industry?

No banking CEOs have been forced out.
The banks weren’t required to submit plans for solvency.

And before you blame Bush for the bank bailout, the dems and Obama backed it, and Obama is implementing it!

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How can one use their credit cards to invest without the investment qualifying as a cash advance?

Michael P pyta:
How can one use their credit cards to invest without the investment qualifying as a cash advance?

Everybody knows using a credit card at the ATM or bank will qualify the transaction as a cash advance and cash advances carry a rather high rate. However today I heard a bit on the news;how to make money off of the credit card companies rather than them making it off of you. It featured some investment guru who talked about using available balances on credit cards for investments that have a higher rate of return than the credit card carries. I have a 0% until July 2007 with plenty to invest if I decided to do this, but how would I avoid the cash advance rate if it would be regarded as cash? Are there any investments that would list the transaction as a purchase? Please help, I am confused.

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