How long does it normally take to get a Credit card in the mail after being approved?|||usually 5-7 business days|||Depend on the financial institution. Call to ask.|||Don't get a credit card, they will dog screw you.|||5-7 business days. Since you already applied, use it wisely. Don't use it to shop until you drop. it's only for emergency purposes.|||Different companies have different times it is usually about 3 to 4 weeks unless you paid exrta to have it on a rush.|||They usually send by courier service it will take 5 days maximum.|||Man, youre just itching to run out and SPEND SPEND SPEND, huh? They are BANKING on it!!!
Take about 5 to 10 business days to come in the mail. And less than 4 hours for you to max it out. and 35+ years to pay it off at minimum balance. Be careful.|||i wouldnt really egt one if i was you temtation is always there and you could run yourself into terible debt adn its not nice, try not to use a credit card if you possiobly can lots of interest added, late payment fees etc.|||It usually takes 1-2 weeks after approval.|||The road to hell is paved with good intentions so don't fall into the gutter along the way like I and so many others have done.
The card will be along too soon.|||a couple of weeks...
just remember that it isn't your money, spend only if you
have funds to pay it back when the bill comes.....
get stuck into these, just soak it all up over time and it'll help
build up your knowledge:
http://credit-cards.ebookorama.com
http://finance.ebookorama.com
http://credit.ebookorama.com
http://credit-repair.ebookorama.com
if you get any luck please don't forget about me lol, hope it helped you!
Monday, December 12, 2011
Credit card?
Im prolly going to get a credit card soon, and was wondering could you go to an atm and get cash out?|||Many banks add a two to five percent conversion fee, a commission of about one percent, and a transaction fee each time you use an ATM. And the ATM you use might charge its own fee, too. To limit fees, make fewer visits to the ATM and withdraw larger amounts.
you can read more from: http://www.card-gallery.com/|||Yes but the interest on cash advance is very high read the fine print|||You can, it's called a cash advance- but your interest rate will skyrocket if you do this.|||they will charge you a fee, and interest may be higher...plus, if you go that route...you will probably be suffering from screwed up credit soon enough. Be careful.|||You can but take this advice.....don't take out what you can't put back within 2 weeks to a month.|||yes...you can
you can read more from: http://www.card-gallery.com/|||Yes but the interest on cash advance is very high read the fine print|||You can, it's called a cash advance- but your interest rate will skyrocket if you do this.|||they will charge you a fee, and interest may be higher...plus, if you go that route...you will probably be suffering from screwed up credit soon enough. Be careful.|||You can but take this advice.....don't take out what you can't put back within 2 weeks to a month.|||yes...you can
Credit card?
what is deffrence between student credit card and secured card?|||a student credit card is specially designed for students and is very different from your regular credit card. Because it may be the first time for college students to apply for a credit card, most credit card companies designed their student credit cards to be a form of secured credit cards.
A secured credit card requires that you deposit money with the issuing bank, and the bank will issue a credit card in the same amount for your use. Secured cards are guaranteed to be approved, because the bank has your deposit money in case you do not pay your balance. A secured credit card for bad credit operates much like a regular credit card. You receive a monthly statement, and you pay your minimum monthly payment or the balance in full each month. You are charged an interest rate, annual fee and possibly other fees for a secured credit card account.
It will help a student to avoid accumulating high amounts of debt because of reckless spending. If you need groceries, or that recommended book but you don't have the money for it, then it may be time for you to use your student credit card. It is good if you start learning good financial habits from your student life itself. Don't use the card to pay for everything and anything. Use it judicially or it will land you in a debt to repay after the college finishes. Apply online for a best student credit card at: http://www.credit-card-gallery.com/Stude鈥?/a>|||You can visit http://www.debteraserzone.com and find very useful tips and several articles on credit card related matters.
|||a secured card is usually backed by a CD. let's say you have a $500 limit. the creditor will purchase a $500 CD for you which is basically the security or collateral for the card. you pay for that CD over time, as well as any purchases you make. if you default on the card, the lender cashes in the CD and gets (most of) their money back. a student credit card has no collateral. they usually start with a lower credit limit and are designed for students to build credit. i recommend a student card, used sparingly, and paid on time to build credit.|||If you apply for secured credit card http://www.apply-online-credit-card.info鈥?/a> you should deposit 100%-200% of your credit limit. If you have bad credit history secured credit card is reasonable decision, it helps avoid high fees and build good credit history.
Student credit cards are unsecured credit cards: http://www.bestcreditoffers.co.uk/Studen鈥?/a>|||Don't have any credit card. Pay cash and stay out of debt!
A secured credit card requires that you deposit money with the issuing bank, and the bank will issue a credit card in the same amount for your use. Secured cards are guaranteed to be approved, because the bank has your deposit money in case you do not pay your balance. A secured credit card for bad credit operates much like a regular credit card. You receive a monthly statement, and you pay your minimum monthly payment or the balance in full each month. You are charged an interest rate, annual fee and possibly other fees for a secured credit card account.
It will help a student to avoid accumulating high amounts of debt because of reckless spending. If you need groceries, or that recommended book but you don't have the money for it, then it may be time for you to use your student credit card. It is good if you start learning good financial habits from your student life itself. Don't use the card to pay for everything and anything. Use it judicially or it will land you in a debt to repay after the college finishes. Apply online for a best student credit card at: http://www.credit-card-gallery.com/Stude鈥?/a>|||You can visit http://www.debteraserzone.com and find very useful tips and several articles on credit card related matters.
Report Abuse
|||a secured card is usually backed by a CD. let's say you have a $500 limit. the creditor will purchase a $500 CD for you which is basically the security or collateral for the card. you pay for that CD over time, as well as any purchases you make. if you default on the card, the lender cashes in the CD and gets (most of) their money back. a student credit card has no collateral. they usually start with a lower credit limit and are designed for students to build credit. i recommend a student card, used sparingly, and paid on time to build credit.|||If you apply for secured credit card http://www.apply-online-credit-card.info鈥?/a> you should deposit 100%-200% of your credit limit. If you have bad credit history secured credit card is reasonable decision, it helps avoid high fees and build good credit history.
Student credit cards are unsecured credit cards: http://www.bestcreditoffers.co.uk/Studen鈥?/a>|||Don't have any credit card. Pay cash and stay out of debt!
Credit Card?
I been thinking about getting a credit card but i am unsure if i'll manage it properly. Any advice|||If you pay your balance every month, having a credit card is basically free- just dont spend more than you can afford. There are some cards where you can earn cash back or other rewards so you might end up paying less for items you buy with a credit card. Choose a card thats right for you-www.guaranteecreditcards.com has alot of different cards to choose from.|||yes.....here I found some good info for you:
How to Manage Your Credit Card ?
http://www.askaquery.com/Answe鈥?/a>
|||How to manage your credit card debt?
http://www.askaquery.com/Answers/qn1579.鈥?/a>|||Pay your balance every month. Set the amount you can spend per month and spend not a penny more.|||read the fine print. some cards increase your interest to over 30% if you're 1 day late making 1 payment. don't get trapped.|||It is my dream to someday have no credit cards.|||Yes, don't get one, use a debit card, check and cash. Then the odds are you will never get yourself in a financial bind :-)
How to Manage Your Credit Card ?
http://www.askaquery.com/Answe鈥?/a>
Report Abuse
|||How to manage your credit card debt?
http://www.askaquery.com/Answers/qn1579.鈥?/a>|||Pay your balance every month. Set the amount you can spend per month and spend not a penny more.|||read the fine print. some cards increase your interest to over 30% if you're 1 day late making 1 payment. don't get trapped.|||It is my dream to someday have no credit cards.|||Yes, don't get one, use a debit card, check and cash. Then the odds are you will never get yourself in a financial bind :-)
Credit Card?
I'm a college student who already has a VISA card with Comerica bank, but I just received a VISA card offer from Capital One.
I don't see the point in owning two VISA credit cards.
Should I change to Cap. One?
(Paying back credit line has never been a problem)|||Well, a question you have to ask yourself is how long have you been with your current Visa card? The longer you have a card will usually increase your credit score.
One reason my wife and i changed cards last year was the incentives... Some gas stations offer up to 5% back on gas purchases and 1% on everything else. IN the past year, we have gotten over 800 dollars BACK! My other card had no incentives. its still active because i have had it for 10 years now, and its only used in extreme emergencies or if for some reason the other card cannot be used.
A final thought would be the interest./apr rates... How do they compare? If you carry a balance, obviously the lower rate would be best to save you money.|||You can visit http://www.debteraserzone.com and find very useful tips and several articles on credit card related matters.
|||http://creditcard.creditinspector.info has excellent info related to dealing with credit cards. Check it out!
|||Only change if you're getting a lower fixed interest rate. Don't forget to look at yearly fees.|||Don't get it. If you can get rid of the first credit card and just pay cash for the things you need you'll be much better off in the long run.
I wish I'd listen to that advice when I was in college.|||capital one will **** you up the ***...
we just made our way through 4 years of paying off credit card debt, and being dirt poor because of it. dont be sucked into the debt game, its what money was originally made for, read it on the dollar. stick with what you got and play it safe..|||NO! I have never owned a Capital One Visa, but I have heard nothing but horror stories about their use. It is beneficial when building credit to keep your oldest account open. I would continue with the good payment habits you indicate with your Comerica Visa.
Capital One has a reputation in the credit industry for extending very low credit limits, then charging massive over limit fees plus excessive interest. Some cardholders report having up to 6 Capital One Cards with a cycle of carrying balance on one card to another.
http://articles.moneycentral.msn.com/Ban鈥?/a>|||Really no reason to switch unless you are getting a better rate. But heres the catch. If you switch and close out the old one you can actually hurt yourself as far as credit score goes. Because the score will take into consideration your oldest account which if you close the first one will then be the second.
Read the fine print on the capital one card also. If they are offering a lower rate there may be a catch. Like it is for balance transfers only or it is for x amount of months. A lot of people have gotten caught in the trap of wow it is a lower rate only to find later that it was more of a gimmick.
Best bet take the capital one card and keep the other. Just use it sparingly and keep the credit good. It will only pay off for your future.
I don't see the point in owning two VISA credit cards.
Should I change to Cap. One?
(Paying back credit line has never been a problem)|||Well, a question you have to ask yourself is how long have you been with your current Visa card? The longer you have a card will usually increase your credit score.
One reason my wife and i changed cards last year was the incentives... Some gas stations offer up to 5% back on gas purchases and 1% on everything else. IN the past year, we have gotten over 800 dollars BACK! My other card had no incentives. its still active because i have had it for 10 years now, and its only used in extreme emergencies or if for some reason the other card cannot be used.
A final thought would be the interest./apr rates... How do they compare? If you carry a balance, obviously the lower rate would be best to save you money.|||You can visit http://www.debteraserzone.com and find very useful tips and several articles on credit card related matters.
Report Abuse
|||http://creditcard.creditinspector.info has excellent info related to dealing with credit cards. Check it out!
Report Abuse
|||Only change if you're getting a lower fixed interest rate. Don't forget to look at yearly fees.|||Don't get it. If you can get rid of the first credit card and just pay cash for the things you need you'll be much better off in the long run.
I wish I'd listen to that advice when I was in college.|||capital one will **** you up the ***...
we just made our way through 4 years of paying off credit card debt, and being dirt poor because of it. dont be sucked into the debt game, its what money was originally made for, read it on the dollar. stick with what you got and play it safe..|||NO! I have never owned a Capital One Visa, but I have heard nothing but horror stories about their use. It is beneficial when building credit to keep your oldest account open. I would continue with the good payment habits you indicate with your Comerica Visa.
Capital One has a reputation in the credit industry for extending very low credit limits, then charging massive over limit fees plus excessive interest. Some cardholders report having up to 6 Capital One Cards with a cycle of carrying balance on one card to another.
http://articles.moneycentral.msn.com/Ban鈥?/a>|||Really no reason to switch unless you are getting a better rate. But heres the catch. If you switch and close out the old one you can actually hurt yourself as far as credit score goes. Because the score will take into consideration your oldest account which if you close the first one will then be the second.
Read the fine print on the capital one card also. If they are offering a lower rate there may be a catch. Like it is for balance transfers only or it is for x amount of months. A lot of people have gotten caught in the trap of wow it is a lower rate only to find later that it was more of a gimmick.
Best bet take the capital one card and keep the other. Just use it sparingly and keep the credit good. It will only pay off for your future.
Credit card?
i've never had one. can you please tell me the basics: how to prevent credit card debt, how to use your card wisely, and what type of credit card i should apply for, how to get/maintain good credit, and PLEASE provide any other info that i should be aware of. greatly appreciate your help =]|||I work in the credit card industry manually reviewing reports to either approve or deny credit to people that apply, so I would have firsthand knowledge of what you're looking for.
The ideal card would be one with NO annual fee, a 0% introductory and low (10.99%/max) APR, benefits program, and high starting credit limit. If you don't have much of a credit history, it will be much harder to try to get cards like this. What I would suggest would be to check where you do your banking to see if they offer what's called a "secured" credit card. These work pretty much the same as a regular card only that a security deposit which is used as collateral is placed upfront to determine the credit limit. For example, if you deposit $300, then you could purchase up to $300, and pay back $300. The deposit is used for collateral only when the account is sent to collections, but if you pay on time, usually after a year it's given back to you. 2 main benefits to secured cards is that it give you more control over the credit limit by adding to the deposit, and the deposit is sometimes linked to a savings account, which earns interest while you're building credit, so it's just not sitting there. The more you add to the deposit, the higher the limit, the better your score will get becuase 30% of your score counts on how much credit you have to what you're using. 2 more benefits from secured cards is that by you putting up the deposit with your own money, it makes you more disciplined in managing the card, especially since the deposit would be at stake, and it also helps to start up an emergency fund when you get the deposit back later on.
I also want you to be aware of some cards out there that target people that have trouble getting approved for credit, or trying to rebuild their credit. These cards are easy to get, but they're loaded with hidden fees that are charged which reduce your available credit and leave you with a bill to pay before you even get the card in the mail. Tribute, First Premier, and New Millenium are prime examples of this.
The best advice I can offer when it comes to using credit cards, is to use only what you can pay back, even if it's $5. The key to building credit is to use and repay the card. Having credit card debt isn't going to build your credit any more than if you used it and paid it off. Now some people in my profession would tell you to leave a balance, that's not true. Just make small purchases ($20/max) pay it in full on time every month.
Another tip is to only apply for credit that you're going to use responsibly. Each time you apply for credit, it lowers your score 3-8 points regardless of if you're approved or denied, so you should be careful not to apply for too many credit cards. You should have no more than 2. Because if managed properly, the limits would be increased to where additional cards wouldn't be needed. And the longer the history you show with one or two cards, the better.
Keep the balances low if not paid off. You need almost all your available credit to help your score, plus there's no sense in paying interest by carrying a balance. Also, ask for line increases periodically.
I posted several links to some secured card companies that I think would work out ok.
good luck!|||I always suggest get a credit card. The best way is to pay it off before the statement due date, to avoid interest. If you pay it by then, it is essentially a 30day no interest loan.|||For the best Credit Card selelection on the net- http://www.credit-cards-aplenty.com/|||The best way to prevent credit card debt (other than not having a credit card) is to never buy anything with it unless you actually have the money to pay for it sitting in a bank account or at home, and then transferring that money onto the credit card as soon as possible.
Most credit card providers send you a monthly bill, and you should make sure that you always pay it off in full.
Some credit cards may start charging you interest on day one of a purchase, but have a lower annual fee, where most credit cards will give you 30 days interest free (but charge you a slightly higher fee).
VISA and Mastercard are accepted pretty much everywhere. American Express, Dinnersclub, JCB and other potential types are less accepted and typically have higher annual fees.
You should also shop around for the best deal. A Mastercard issued by one bank may not be the same as a Mastercard issued by a different bank.
If and when you get a credit card, do not disclose the number to anyone other than merchants. Keep a copy of the card particulars in a safe place at home and make sure you know the phone number to call should you need to cancel the card if you lose it or it is stolen.
Make sure the card has a sensible credit limit. If you are not going to spend more than $2000 in one go, then you do not need a limit of $10000.
Lastly, many credit cards allow you to withdraw cash from ATMs but never never never do this. It could easily be the start of a debt spiral.|||steer clear of credit cards and go for a debit card instead.
when you use a credit card you are putting yourself into debt " you are actually borrowing from the credit company to buy your goods then paying them back with the funds in your account " and paying a premium for the Privilege " i.e. interest " putting your account in more debt.
a debit card can only be used to take money out of your account that is in it .
if you really need or want some thing save till you have enough to pay cash and try haggaling for discount :-)|||Save Your Money: Avoid Top 10 Credit Mistakes
this article would help.. In building your credit you must be very wise and good enough to spend your money.
http://www.buildingcreditforstudents.com/student-credit-articles/save-your-money-avoid-top-10-credit-mistakes/
The ideal card would be one with NO annual fee, a 0% introductory and low (10.99%/max) APR, benefits program, and high starting credit limit. If you don't have much of a credit history, it will be much harder to try to get cards like this. What I would suggest would be to check where you do your banking to see if they offer what's called a "secured" credit card. These work pretty much the same as a regular card only that a security deposit which is used as collateral is placed upfront to determine the credit limit. For example, if you deposit $300, then you could purchase up to $300, and pay back $300. The deposit is used for collateral only when the account is sent to collections, but if you pay on time, usually after a year it's given back to you. 2 main benefits to secured cards is that it give you more control over the credit limit by adding to the deposit, and the deposit is sometimes linked to a savings account, which earns interest while you're building credit, so it's just not sitting there. The more you add to the deposit, the higher the limit, the better your score will get becuase 30% of your score counts on how much credit you have to what you're using. 2 more benefits from secured cards is that by you putting up the deposit with your own money, it makes you more disciplined in managing the card, especially since the deposit would be at stake, and it also helps to start up an emergency fund when you get the deposit back later on.
I also want you to be aware of some cards out there that target people that have trouble getting approved for credit, or trying to rebuild their credit. These cards are easy to get, but they're loaded with hidden fees that are charged which reduce your available credit and leave you with a bill to pay before you even get the card in the mail. Tribute, First Premier, and New Millenium are prime examples of this.
The best advice I can offer when it comes to using credit cards, is to use only what you can pay back, even if it's $5. The key to building credit is to use and repay the card. Having credit card debt isn't going to build your credit any more than if you used it and paid it off. Now some people in my profession would tell you to leave a balance, that's not true. Just make small purchases ($20/max) pay it in full on time every month.
Another tip is to only apply for credit that you're going to use responsibly. Each time you apply for credit, it lowers your score 3-8 points regardless of if you're approved or denied, so you should be careful not to apply for too many credit cards. You should have no more than 2. Because if managed properly, the limits would be increased to where additional cards wouldn't be needed. And the longer the history you show with one or two cards, the better.
Keep the balances low if not paid off. You need almost all your available credit to help your score, plus there's no sense in paying interest by carrying a balance. Also, ask for line increases periodically.
I posted several links to some secured card companies that I think would work out ok.
good luck!|||I always suggest get a credit card. The best way is to pay it off before the statement due date, to avoid interest. If you pay it by then, it is essentially a 30day no interest loan.|||For the best Credit Card selelection on the net- http://www.credit-cards-aplenty.com/|||The best way to prevent credit card debt (other than not having a credit card) is to never buy anything with it unless you actually have the money to pay for it sitting in a bank account or at home, and then transferring that money onto the credit card as soon as possible.
Most credit card providers send you a monthly bill, and you should make sure that you always pay it off in full.
Some credit cards may start charging you interest on day one of a purchase, but have a lower annual fee, where most credit cards will give you 30 days interest free (but charge you a slightly higher fee).
VISA and Mastercard are accepted pretty much everywhere. American Express, Dinnersclub, JCB and other potential types are less accepted and typically have higher annual fees.
You should also shop around for the best deal. A Mastercard issued by one bank may not be the same as a Mastercard issued by a different bank.
If and when you get a credit card, do not disclose the number to anyone other than merchants. Keep a copy of the card particulars in a safe place at home and make sure you know the phone number to call should you need to cancel the card if you lose it or it is stolen.
Make sure the card has a sensible credit limit. If you are not going to spend more than $2000 in one go, then you do not need a limit of $10000.
Lastly, many credit cards allow you to withdraw cash from ATMs but never never never do this. It could easily be the start of a debt spiral.|||steer clear of credit cards and go for a debit card instead.
when you use a credit card you are putting yourself into debt " you are actually borrowing from the credit company to buy your goods then paying them back with the funds in your account " and paying a premium for the Privilege " i.e. interest " putting your account in more debt.
a debit card can only be used to take money out of your account that is in it .
if you really need or want some thing save till you have enough to pay cash and try haggaling for discount :-)|||Save Your Money: Avoid Top 10 Credit Mistakes
this article would help.. In building your credit you must be very wise and good enough to spend your money.
http://www.buildingcreditforstudents.com/student-credit-articles/save-your-money-avoid-top-10-credit-mistakes/
How do i pay with paypal without a credit card?
I have $10.00 on my paypal account and I would like to spend it on ebay. But it says i need to verify my account first by linking it to a bank account or a credit card. How do i use my money without linking the bank or credit card? I don't have either of them so I need help. Thank you|||You can use a VISA giftcard you buy at the store, it's like a debt card but you can't refill.
But if you use that debt card on paypal you can order online with paypal. I believe paypal also works with all debt cards, but you can't spend the money on your account without having a debt/bank account.
Hope I helped.|||Paypal is asking you to verify the account (for prevention of fraud issues). You fulfill that the way they asked you to--using either a bank account or a credit card. A prepaid gift/credit/debit card will NOT be sufficient. Paypal is trying to prove you are 18 and older and who you say you are.
If you do not meet their rules, you cannot use the service.|||You can try calling PayPal.|||How did you get money *into* the paypal account in the first place?
But if you use that debt card on paypal you can order online with paypal. I believe paypal also works with all debt cards, but you can't spend the money on your account without having a debt/bank account.
Hope I helped.|||Paypal is asking you to verify the account (for prevention of fraud issues). You fulfill that the way they asked you to--using either a bank account or a credit card. A prepaid gift/credit/debit card will NOT be sufficient. Paypal is trying to prove you are 18 and older and who you say you are.
If you do not meet their rules, you cannot use the service.|||You can try calling PayPal.|||How did you get money *into* the paypal account in the first place?
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