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Archive for March, 2010

How long will credit score take to return to normal after opening a new credit card?

Mar 26

Posted by Banki in Credit | 3 Comments

Jared pyta:
How long will credit score take to return to normal after opening a new credit card?

I recently opened a new credit card and noticed that my fico score plumetted 50 points after doing so. How long will it take for credit score to get over the fact that I opened a new account and regain those 50 points?

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What credit card company processes transactions quickly into the system?

Mar 21

Posted by Banki in Credit | 3 Comments

RAV94 pyta:
What credit card company processes transactions quickly into the system?

When I make a purchase with my debit card and go home to check my bank account , the purchase is already in the system. But when I use my credit card it takes at least a couple days. If there are any credit card companies that process as fast as using a debit card, please let me know, Thanks

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What does your credit score start out as?

Mar 19

Posted by Banki in Other - Health | 2 Comments

nedra pyta:
What does your credit score start out as?

I just turned 18 in the end of October. What would my credit score be now? What does it start out as? What is the eastiest way to build your credit score? How long does it take to build your credit? Do you get points per month or what?

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I found a credit card on the ground. How do I return it to its owner?

Mar 15

Posted by Banki in Credit | 14 Comments

phone_tv_dsl pyta:
I found a credit card on the ground. How do I return it to its owner?

I found a credit card on the ground, but with no other things to give me information on its owner. How do I get this credit card back to its owner, since I have no information besides the credit card itself to work with? Who do I call, for example?

Does CapitalOne have a good credit card for people with bad credit?

Mar 14

Posted by Banki in Credit | 7 Comments

Babygirl23 pyta:
Does CapitalOne have a good credit card for people with bad credit?

I am interested in getting a credit card. I haven’t had a credit card in years, and I have made a few late payments on other bills, so I think that my credit is probably considered fair. I am trying to rebuild my credit, and I think that getting a credit card (and paying it on time every month) is the way to go. Does CapitalOne have the best credit card for folks with fair to poor credit? Is there a guaranteed approval? If CapitalOne isn’t the best, then can you recommend a good card?

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What is the best credit card for travel rewards?

Mar 12

Posted by Banki in Credit | 1 Comment

Jae Y pyta:
What is the best credit card for travel rewards?

For someone that has never had a credit card before, what credit card would you guys recommend? Bank, Commercial, etc? I like to travel a lot so I figure one with travel rewards would be good. Advice?

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What is the lowest possible fixed APR you can get for a credit card?

Mar 12

Posted by Banki in Credit | No Comments

SMH pyta:
What is the lowest possible fixed APR you can get for a credit card?

I talking about excellent credit with atleast five years of credit history, no blemishes what soever, and someone with a high credit rating. I am just kind of wondering what kind of offers does good credit get you, especially compared to people with bad credit? What kind of APR can you get with bad credit, overdue accounts in the history, poor credit, and a short credit history?
I am just curious as to how much of an advantage is it to have a good credit history?

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How do you reestablish a credit card grace period?

Mar 7

Posted by Banki in Credit | 3 Comments

Kevin pyta:
How do you reestablish a credit card grace period?

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?

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How long can you access your records on Regions online banking?

Mar 6

Posted by Banki in Personal Finance | 1 Comment

Terra pyta:
How long can you access your records on Regions online banking?

I’m signing up for online banking, but I was wondering how long I can access all of my financial records.

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How do I get a credit card with bad credit and a cosigner?

Mar 5

Posted by Banki in Credit | 5 Comments

lodijc pyta:
How do I get a credit card with bad credit and a cosigner?

I have a cosigner that has excellent credit that will cosign for me to get a credit card to build my score plus to have for emergencies. My score is a 585. I pay my bills on time and don’t spend alot of money on dumb things. I just don’t have anything but a car loan giving me credit and a couple of old accounts that need taken care of.

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