Tamborine asked:
I hit decorous assign but I had cancelled every my game when disagreeable to intend discover of debt. I am today liberated of every unsafe debt but I requirement to hit a bill so in the forthcoming I won’t be perceive by having no credit.
I hit decorous assign but I had cancelled every my game when disagreeable to intend discover of debt. I am today liberated of every unsafe debt but I requirement to hit a bill so in the forthcoming I won’t be perceive by having no credit.
I’m intellection I poverty a bill with no period gift and a baritone APR. The bill would exclusive be utilised rattling occassionally and paying soured immediately. I hit no want to move preceding mistakes.
Does anyone hit some recommendations for a beatific bill for this purpose?
Okay, as I said, but everyone is skipping, is that I hit decorous credit. My assign reason is 700.
When I got into pain I went into debt compounding correct absent BEFORE my assign got screwed up.
But I do revalue those of you who are attractive the instance to answer.
http://en.wikipedia.org/wiki/Credit_card
Tags: Credit Card, Credit History, Unsecured Debt
Good Luck,…The only company that is worth anything is
I think they would be able to assist…
Kidding
i think that getting a visa from the bank of your choice would be best way to regain stability
if your not using it that much and your going to pay it off immediately the apr dosnt really matter that much its the annual fee your going to have to get around. By all means if you can find one with a low apr go ahead but it sounds like that is on the back burner compared to how you say your going to use the card
I would try Providian. They dont have an annual fee and their APR is as good as any other. I think you can even apply online at
Dont be shocked if it reroutes you because they are in the middle of changing their name to Washington Mutual. But they are a great company and have a wonderful website. They even update you every month on what your credit score is so that you can kind of keep track and watch for identity theft. Anyway, good luck.
If you have bad credit you won’t be able to get a low APR and no annual fee…
Try a Secured Card. You put the money up yourself and work off that for about a year.
Its going to be hard to find a card with no annual fee and low apr for someone to re establish their credit, your best bet is to try capital one. I have 2 cards thru them a visa and a mastercard their rates are a little high but they are a good company, I had no credit established at all and I got a credit card thru them and they give credit increases every 3 months or so I believe if you make your payments on time and dont go over the credit limit.
I wouldn’t recommend any credit card. They drag your credit down the worst. If you do get one, I would find one that won’t keep raising your credit line, because that is what gets most people in trouble. Not having a credit card at all doesn’t hurt your credit any. My feeling is just save up your money. When you use a credit card, you’re just spending money you really didn’t have to spend to begin with. Not enough people see this, and fall into the trap. Americans are way to dependent on credit cards.
Providian and Chase are horrible- they give you say…a $1500 credit limit…you charge it up because you’re low on money or lost a job or had an emergency, etc. Then, about a year later, after you’ve paid, and paid, and paid at your low introductory flat rate of say…7%, they send you, in teeny, tiny print, a notice that says you have to “opt out” by cancelling your account if you don’t want to pay upwards of 28% – 29% interest. They say they have a right to “ammend” your account if you don’t meet their payment preferences…say, you only pay the minimum payment or slightly above each month.
My recommendation? Go with American Express Green Card. Yes, there is a $59 annual fee, BUT, you have to pay the balance at the end of each month which prompts you not to charge it up. As well, every payment you make shows up as a positive on your credit report.
Congrats, on your cleaning up your debt and your credit score. What you want to do is compare credit cards and the good news is there are many internet sites that will allow you to.
Check,, On these sites you can look and compare the credit cards that have no annual fee and a low APR. Also if you belong to a credit union, they have excellent rates. You may also consider doing a search for LOW credit card rates in search engines. USA Today does a comprehensive list every year.
I hope this helps you out.
Good Luck
Depending on how long ago you canceled your cards, and the standing on the cards when you canceled, you might try to see if they will rehab one of the cards.
You might go to the Bank of America website. They have a card selector that you can do that will not pull a hard inquiry for a recommendation. If you apply for a recommended card, then they will pull a hard.
Orchard Bank and HSBC also have the card selectors but they are not as prime as BoA.
Stay away from Cap One. They do not report your credit limit, only the amount that you charge. That will definately hurt your utilization and lower your scores.
i would get one from here