I have bad credit, really bad credit. I was approved for a credit card with a limit of 300 but by the time they take all of their fees out that leaves me with 50 bucks. Is there anyone out there that would give me a credit limit of more with bad credit? The holidays are here and I can't even pay my bills let alone gifts or put food on the table...please let me know if you know of anywhere.
Thanks everyone!|||Keep working on your credit, by paying bills on time and so forth and when you get an offer with few or no fees, take it. Until then, you can't do much. But...my first credit card was a store card and then I got a VISA with a $250 limit and an annual fee of $60. I call and get the fee waived every year, I have had the card for almost 5 years now and my limit is $1750. Once you prove that you are responsible with credit, they will give you more. Patience is key.
If you are in a situation where you need money now, a cash advance may be useful, but you must pay it back within a few weeks. But you can usually get up to $250 cash (in the state of California). Speedy Cash is the first place that comes to mind.|||All your needs about credit card details here.It's help you hope http://www.freewebs.com/creditcard4all|||Orchard Bank is a very good place to start, but if you are that strapped for cash, you really don't need a credit card.|||Good Luck to you... You might try the link below... Not sure if it will help or not but might be worth a shot... Also contact Lonnie at l.burgen@rmcninc.com|||To name a few Chase, Aspen, Capital One, Frontier.
You can google "Credit Cards For Bad Credit" and a bunch will come up.|||I really hate to say this but are you going to be able to pay off the credit within a month? If not it's probably in your best effort to avoid doing this, as it will just put you further in debt. Have you thought about getting into a better economic situation through work or going back to school?|||Would you give credit to someone with your record.? If you did it would be a gift. Cause you are not going to pay that either. Crime is your only salvation.
Thursday, December 15, 2011
If you get your limit increase on a credit card, is your monthly bill bigger too?
starting off with 300 dollars of credit, my payments are only $15 a month.. When they up my credit limit to 500, would payment increase as well?|||Your payments are based on your balance, not your credit limit. So if you don't use the extra credit, there would be no increase in your monthly payment.|||Don't be fooled into paying only the minimum. That amount normally just covers the interest charge and 2% of your balance. If you pay only the minimum, you'll never get the balance paid off.
Best way is to only charge what you can afford to pay in full every month. And always pay on time.|||It depends on what type of "plan" you have. A basic credit card will let you buy things with a 30 day interest free period, meaning if you pay off what you bought by the due date of your bill, you pay no interest. But, if your credit card gets maxed out (you use the whole limit) and you don't pay it off completely, then YES your bill will be higher. It's based on the amount of credit you have spent.
Best way is to only charge what you can afford to pay in full every month. And always pay on time.|||It depends on what type of "plan" you have. A basic credit card will let you buy things with a 30 day interest free period, meaning if you pay off what you bought by the due date of your bill, you pay no interest. But, if your credit card gets maxed out (you use the whole limit) and you don't pay it off completely, then YES your bill will be higher. It's based on the amount of credit you have spent.
What credit limit will i have i just applied for a new credit card?
Hi im 19 years old i have been with my same bank for over a year now and i have been with my same job for the past 10 months how much credit do you think i will have? i just applied at my bank for a new credit card and i was wondering what you all will think my limit with be for that card? i have no credit whatsoever any help would be great thanks!|||depends on your income versus your liabilities. times are different than they used to be, if they approve you it will probably have a low limit in the beginning|||You should not be approved as income is under 15K per year but if you are it should $500 or less. Best fastest and cheapest way to build credit is to get a secured loan at a bank and payoff over a 7 month period and repeat|||i say they will start you out at 500.00 to 1500.00 as seen your report is very fresh and clean
Will an atm allow me to withdraw more than my cash advance limit if it stays withing my credit limit?
I have $500 of available credit but only $100 cash advance. Will an atm allow me to withdraw more than $100 as long as it stays within my credit limit? I just don't want to get to the atm and get denied.|||DOUBT IT.... YOU may want to try taking cash out at 11:30 pm and then and hr later so the machine recognizes it as 2 sep days????|||A cash advance limit is your maximum total cash advance at any time (except in some cases for a balance transfer teaser). It is never a good idea to take a cash advance from a credit card unless you are desperate because there is an up front fee (probably at least $5 minimum) and interest at the higher cash advance rate starts immediately. So with that tacked on to the advance you would probably be limited to $90 to 95 actual withdrawal.|||When you make a transaction at the atm it will come out of the availble credit portion unless you specifically opt to do a cash advance so you have no worries. It is all how you do the transaction at the atm but by default if you have credit available that's where the money will come from and that's how it will show on your statement. Have no fear you are good to go!|||No. It's only going to let you withdraw up to your limit.
No Credit Limit Whats The Max I Can Charge?
If I have no credit limit on my card and I purchase alot they say to only charge 30% of your limit to keep grade a credit. What is the most I should charge if there, is no limit?|||If you insist you have no credit limit, you should contact your card issuer. Every credit card issued has a credit limit individually set according to the provider's assessment of the applicant's credit worthiness.
If you continue to charge items, you might inadvertently go over the credit limit the provider has set for you but which you appear to have somehow not noticed|||I have an AmEx card with "no preset limit" and routinely charge between 4,000-10,000 a month (personal card, not business) and they have never declined the card once. Shortly after I opened the account, they called me and let me know that they were going to begin declining the card the next day unless I made a payment in full immediately, which I did. No big deal - love AmEx, and it was a new relationship for them so I understand why they were cautious.
Just don't overcharge and not pay because if it's AmEx, I have heard first hand that they don't send you to collections, they sue you for the amount you charged, plus attorneys fees at over $300/hr.
If you continue to charge items, you might inadvertently go over the credit limit the provider has set for you but which you appear to have somehow not noticed|||I have an AmEx card with "no preset limit" and routinely charge between 4,000-10,000 a month (personal card, not business) and they have never declined the card once. Shortly after I opened the account, they called me and let me know that they were going to begin declining the card the next day unless I made a payment in full immediately, which I did. No big deal - love AmEx, and it was a new relationship for them so I understand why they were cautious.
Just don't overcharge and not pay because if it's AmEx, I have heard first hand that they don't send you to collections, they sue you for the amount you charged, plus attorneys fees at over $300/hr.
When a credit card is gone over its spending limit how bad does this affect your credit score?
I went over my credit limit on my credit card and now this is on my credit history how badly does this affect my credit score and how can I check my credit score for free and easy.|||The following 5 critical factors affect your credit score in a major way. By knowing these you can keep a check on them and make your credit score a healthy one.
1. Re-payment history
This factor carries the highest weight in your credit report. How steadfast are you in repaying your loans, makes your credit report shine. Experts claim that this factor alone accounts for 35% of points in your credit score. So, if you falter on repayment front it is sure to be reflected poorly on your credit score.
2. Outstanding debt
The next comes your debt burden. How much you owe is a factor that according to experts carries about 30% weight in your credit score. This is
30% is based upon outstanding debt. To get a better score it is advised that you keep your outstanding debt to a minimum.
3. Length of your established credit history
The time for which you have a credit history also matters. The longer your established credit history the more credit reporting agencies believe in you. This could be simply because of the fact that they have more data to analyze your financial position. Experts give it a 15% weight in determining your credit score. Read more from:http://www.credit-card-gallery.com/artic鈥?/a>|||going over ur cc limit is a sign of another problem - ur money behaviour. money is 80% behaviour and 20% knowledge. u are risking going broke (that's why u going over ur cc limit anyway) and messing up ur finances.
do urself a favor - decide to get organized about ur money. an excellent resource is the book Total money make over by dave ramsey. it will teach u how to fix this and get out of debt and organize ur finances. u don't know what u don't know and it will hurt u. listen also to his call in show ranked top 10 nationwide for financial matters. check daveramsey dot com for ur local listings.
u can decide to check that stuff out it will cost u nothing but then again u are an adult and u will do what u want. good luck.|||1.negativity is on your credit history for 7 years. Nothing you or no one other company can do to erase it. NOTHING. NOBODY.
2. make it better by making a few higher purchases and paying them on-time.
3. the 3 credit bureaus gives separate reports by law anytime you request, but only free once a year.
Also visit FreeCreditReport.com|||yes.. of course! word of advice ;only use what you can pay back.for instance... just because you have a $5000 spending limit does not mean you should just max it out because you have it. Just having that amount of spending limit helps you score, doesn't mean you have to use it all! Tip : There were some things on my report that weren't mine and I 've learned that ,even if it was an account that you have created. if there is one thing on the account that is incorrect or empty. You can write a letter to the bureau for them to investigate. which is also called a dispute.(write your own , it's better)they have to contact someone @ the company you owe to correct it and they have to show you proof of what was done and who they had spoken to ,etc. if they can't do so , it is their job to throw out the entire account off of the report. they have 30-45 days to prove it all of this. if they don't and fail to delete it they can be reported to your state's attorney general to be handled. so, if anyone tell you that you can' t do that ... that's far from the truth.i know because i have done it!many people don't know their rights when it comes to their credit report.
you can go to annualcreditreport.com
to get your once a year free credit report.
freecreditreport.com is also helpful with that.|||It doesn't because all banks know it's a goodie blood sucking system for u to pay those interests days after days, months after months and years after years.
So u think u earn decent money for your livelihood? HAHA...I love Karma.
I owes Citibank Credit Mastercard Funds of SGD $4900.00. My gf pays monthly $500 for me. I am proud to let everyone knows about it and I am going to end this credit very soon after upgrading my PC and Printer.
1. Re-payment history
This factor carries the highest weight in your credit report. How steadfast are you in repaying your loans, makes your credit report shine. Experts claim that this factor alone accounts for 35% of points in your credit score. So, if you falter on repayment front it is sure to be reflected poorly on your credit score.
2. Outstanding debt
The next comes your debt burden. How much you owe is a factor that according to experts carries about 30% weight in your credit score. This is
30% is based upon outstanding debt. To get a better score it is advised that you keep your outstanding debt to a minimum.
3. Length of your established credit history
The time for which you have a credit history also matters. The longer your established credit history the more credit reporting agencies believe in you. This could be simply because of the fact that they have more data to analyze your financial position. Experts give it a 15% weight in determining your credit score. Read more from:http://www.credit-card-gallery.com/artic鈥?/a>|||going over ur cc limit is a sign of another problem - ur money behaviour. money is 80% behaviour and 20% knowledge. u are risking going broke (that's why u going over ur cc limit anyway) and messing up ur finances.
do urself a favor - decide to get organized about ur money. an excellent resource is the book Total money make over by dave ramsey. it will teach u how to fix this and get out of debt and organize ur finances. u don't know what u don't know and it will hurt u. listen also to his call in show ranked top 10 nationwide for financial matters. check daveramsey dot com for ur local listings.
u can decide to check that stuff out it will cost u nothing but then again u are an adult and u will do what u want. good luck.|||1.negativity is on your credit history for 7 years. Nothing you or no one other company can do to erase it. NOTHING. NOBODY.
2. make it better by making a few higher purchases and paying them on-time.
3. the 3 credit bureaus gives separate reports by law anytime you request, but only free once a year.
Also visit FreeCreditReport.com|||yes.. of course! word of advice ;only use what you can pay back.for instance... just because you have a $5000 spending limit does not mean you should just max it out because you have it. Just having that amount of spending limit helps you score, doesn't mean you have to use it all! Tip : There were some things on my report that weren't mine and I 've learned that ,even if it was an account that you have created. if there is one thing on the account that is incorrect or empty. You can write a letter to the bureau for them to investigate. which is also called a dispute.(write your own , it's better)they have to contact someone @ the company you owe to correct it and they have to show you proof of what was done and who they had spoken to ,etc. if they can't do so , it is their job to throw out the entire account off of the report. they have 30-45 days to prove it all of this. if they don't and fail to delete it they can be reported to your state's attorney general to be handled. so, if anyone tell you that you can' t do that ... that's far from the truth.i know because i have done it!many people don't know their rights when it comes to their credit report.
you can go to annualcreditreport.com
to get your once a year free credit report.
freecreditreport.com is also helpful with that.|||It doesn't because all banks know it's a goodie blood sucking system for u to pay those interests days after days, months after months and years after years.
So u think u earn decent money for your livelihood? HAHA...I love Karma.
I owes Citibank Credit Mastercard Funds of SGD $4900.00. My gf pays monthly $500 for me. I am proud to let everyone knows about it and I am going to end this credit very soon after upgrading my PC and Printer.
Can other people see your credit limit on paypal credit card?
please answer the above question and this one
can people check my credit limit online ? from my credit card?|||Only if they have your account password.|||No they can't see any of your financial information. Only that you paid and how much you paid. Now if you paid by draft out of your checking the seller will get a message showing you have paid with an echeck but still no other information. They can't even see what kind of card you paid with.
This is the reason people use Pay Pal. You can pay without any of your financial information being sent to the seller.
can people check my credit limit online ? from my credit card?|||Only if they have your account password.|||No they can't see any of your financial information. Only that you paid and how much you paid. Now if you paid by draft out of your checking the seller will get a message showing you have paid with an echeck but still no other information. They can't even see what kind of card you paid with.
This is the reason people use Pay Pal. You can pay without any of your financial information being sent to the seller.
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