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How does getting a secure credit card hurts your credit?

Nov 27

Posted by Banki in Credit | 5 Comments

Red Velvet Cake pyta:
How does getting a secure credit card hurts your credit?

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

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When repairing your credit which type of credit card is better?

Nov 25

Posted by Banki in Credit | 4 Comments

SoCalGal75 pyta:
When repairing your credit which type of credit card is better?

A secured credit card or a unsecured credit card? From my experience, I got an unsecured card which started out with a $250 credit limit and also had a fee for obtaining the card. Within a year the credit limit went up to $900 then I cancelled it when better offers came in % wise. That was a good start for me. But my bro-in-law is asking about secured credit cards? Which is better and will they both help rebuild your credit in the same way?

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What credit card is higher a Band of America Platinum Plus or a Bank of America Signature Credit Card?

Nov 23

Posted by Banki in Credit | 3 Comments

travelplus pyta:
What credit card is higher a Band of America Platinum Plus or a Bank of America Signature Credit Card?

With the World Points Credit Card what is higher a Platinum Plus or a Signature. What is the difference in terms of APR, Eligibility etc? What is the highest level of cards? Is My Concierege a good service? Are the airfares really without blackout dates? Is there accident insurance. With the new Bank of America World Points card with 1.25 points is the Platnium Plus the highest level?

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How do I fix my credit and make sure my unpaid debt is taken off of my credit report?

Nov 21

Posted by Banki in Credit | 5 Comments

love_earth22 pyta:
How do I fix my credit and make sure my unpaid debt is taken off of my credit report?

I am getting sick of my bad credit ruining everything I try to do. At this point I am finally able to pay off my debt in order to fix this problem. I have heard stories of people paying off their debt but the company leaving them as unpaid on their credit report. I DONT want this to happen. How do I go about paying everything off while making sure it is taken off my credit report for good? How long does it take your score to change after you paid everything off?

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How can I get a credit card and build credit being a student?

Nov 19

Posted by Banki in Credit | 3 Comments

tee2thedee pyta:
How can I get a credit card and build credit being a student?

I tried to sign up for a gas card to just put my gas on to pay off to build my credit, but was denied. I’m wondering, when it asks during the credit card statement, it says if you rent or own the place you live, but i’m living at home with my family so how am I supposed to say how much I pay in rent or mortgage? It also asks for household income? Do I put my parents income in along with mine or what?

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Can credit card companies sue an estate of someone who has died to collect outstanding balances?

Nov 18

Posted by Banki in Credit | 10 Comments

artis pyta:
Can credit card companies sue an estate of someone who has died to collect outstanding balances?

My father in-law has incurable cancer, and outstanding credit card debt of about $55K. Can the credit card companies sue his estate or children to collect the outstanding balances on his accounts once he passes away?

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How much does old bad credit affect your credit score?

Nov 10

Posted by Banki in Credit | 5 Comments

April B pyta:
How much does old bad credit affect your credit score?

I have 5 negative reportings on my credit report. None of them are after the year 2004. I am wondering since there over 4 years old, how much are they affecting my credit score? And, has anyone ever heard of credit card companies deleting accurate late pays if asked?

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How do i build a credit history in the USA?

Nov 10

Posted by Banki in Credit | 4 Comments

Looking for C pyta:
How do i build a credit history in the USA?

I am new to USA – been here less than 9 months and have a bank account with CHASE. I have a good salary and pay all my bills on time. But still CHASE refuses to give me a cresdit card and their reason is – You dont have a credit history!!Now if the ban kI have an account with otself says that they will not give me a credit card then how do I build a credit hisTORY?Are there any banks that will issue a credit card to me?

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How do you negotiate with credit card companies as it relates to interest rates, etc?

Nov 6

Posted by Banki in Personal Finance | 3 Comments

In Need of Help pyta:
How do you negotiate with credit card companies as it relates to interest rates, etc?

We have about $100K in credit card debt. I’m trying to get it under control, however, I’m back in the same big hole every month due to interest. I have looked into credit counseling services, everyone wants to charge you some large fee for negotiating with credit card companies. I want to try to do this myself. Does anyone have any suggestions, points or tips for doing this?

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How do you report a website illegally selling credit card and banking information?

Nov 6

Posted by Banki in Law & Ethics | 2 Comments

Zach L pyta:
How do you report a website illegally selling credit card and banking information?

I looked up a family members name on Google and found their name and credit card information amongst a list of hundreds of others with credit card and banking information available for sale, and also illegally selling verified PayPal accounts for money. How do I report this? Clearly it’s extremely illegal..

Thanks.

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