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Posts Tagged Credit Card

What are the benefits of having a good credit score?

Sep 7

Posted by Banki in Credit | 3 Comments

Caesarion pyta:
What are the benefits of having a good credit score?

I’m a college student who got a credit card a little less than a year ago. I spend a lot (around $700 a month) and always pay back the total in full before the due date. My bank has increased my credit line three times since because of my good credit.

So are there any additional advantages to having a good credit score than easily getting approved for credit cards and getting large credit lines? Does it also project to any type of loans (i.e. it is easier to get approved for a car loan with a lower interest rate) or something?

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What credit card has a good rewards program?

Aug 3

Posted by Banki in Credit | 5 Comments

Psych Grad pyta:
What credit card has a good rewards program?

I’m looking for card that have a mileage or gas program.

I noticed that Sony has one where you get a 150 dollar credit on “qualifying” purchases too.

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How can i build good credit, without getting a credit card?

Jun 26

Posted by Banki in Credit | 9 Comments

Megan pyta:
How can i build good credit, without getting a credit card?

I just turned 18, and i am not at all interested in getting a credit card right now. Do you have any other suggestions that could be helpful?

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What does my credit score have to be to get a Walmart credit card?

Jun 7

Posted by Banki in Credit | 5 Comments

spaztikus pyta:
What does my credit score have to be to get a Walmart credit card?

I want to get a Walmart credit card…My credit score is not the best but not the worst either…it’s around 616. I dont want to apply and make it any lower unless I know I can get a card.

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How can I get my credit back on track so I can buy a house?

Apr 25

Posted by Banki in Renting & Real Estate | 4 Comments

ice38034 pyta:
How can I get my credit back on track so I can buy a house?

Ok here is my story…I filed chapter 7 bankrupsey last year. My husband left me with a 3mo old special needs baby and between paying for his doctor bills and putting myself through college I was in $15,000 debt and I filed ch 7. Now I am out of college and want to get my credit back on track so I can buy a house in the next few years. I though if I got a credit card from a dept store to show that I can pay them back and establish credit that would work, but I get turned down every time I apply. My bank will not even let me have a debt card. I have a stable job now and I’m looking to settel down and get my life back on track. What steps do I need to take to get my credit back on track? Can anyone give me any advice?

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How do you access the Credit Line of a Credit Card without directly buying anything?

Apr 15

Posted by Banki in Credit | 2 Comments

nana_puddin_13 pyta:
How do you access the Credit Line of a Credit Card without directly buying anything?

I have one credit card with a credit line of 400(cash line of 80$). I know the max I can draw from an ATM is the 80$. But is there any way I can go into the bank and get the credit line deposited into my bank account?

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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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How can I get a credit card with rewards when I have bad credit?

Feb 26

Posted by Banki in Credit | 11 Comments

JayRust pyta:
How can I get a credit card with rewards when I have bad credit?

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?

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What is the best/easiest credit card to get if you have bad credit and are trying to improve it?

Feb 23

Posted by Banki in Personal Finance | 10 Comments

ajoytalent pyta:
What is the best/easiest credit card to get if you have bad credit and are trying to improve it?

I’m sure some people might say having no credit card is best..but to build up credit you have to start somewhere!
My friends credit is ike 580 or something, and I told her i would look into it.. Thanks!

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What credit card would you recommend for a college student?

Feb 8

Posted by Banki in Personal Finance | 3 Comments

Azzz doggg pyta:
What credit card would you recommend for a college student?

This will be my first credit card.

I am not planning on carrying any balance. I just want to build my credit history. I am making enough money to cover any purchases and plan to pay in full each month, so I don’t really care about the interest rate.

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