Credit - December 2007

I got my first job in November and I opened a bank account at Wells Fargo. I am now interested in applying for a credit card but can I? I am only 17. I have researched a couple of credit cards but I don't really understand what they are saying. Can you help?
I was mainly interested in applying for the Blue from American Express do I just go to the website and apply?

2007-12-27 13:21:47 · 5 answers · asked by Anonymous

I usually pay my credit balances in full each month. Even though I pay my balance in full, there is still a balance left on the card from purchases after the closing date that would go on next months billing cycle. Can that lower your score? When I checked my credit report it showed my balances after the closing date on the card that weren't even due yet. Those balances factored into my credit ratio. I usually charge around 500 each month with a credit limit of 1000. I do pay the balance on the bill on time in full and get no finance charges. I heard that if your balance is more than 25% then that can lower your score. Is that at anytime you charge something? or only after you pay your bill and there is a remaining balance? I am confused.

2007-12-27 13:19:11 · 2 answers · asked by Anonymous

Is that bad, cause I just went to ebay and bought alot of stuff and sent it to a vacant house on the northside of huey, Wisconsin. It was just a ps3 and three 60 inch flat screens and a couple of blackberry and ipods and about three or more high tech gaming computers and some expensive clothes and cologne, and you know, misc. stuff all totaling 20 grand

2007-12-27 12:38:15 · 8 answers · asked by Anonymous

I am trying to add money to my paypal account. i registered my mastercard debit giftcard and it was approved but can i add the money that is on the giftcard to my paypal account without them taking out money, besides whats on the card?

2007-12-27 10:26:17 · 3 answers · asked by Anonymous

How long should you wait after bankruptcy is discharged?

2007-12-27 09:37:59 · 8 answers · asked by C J S 2

Oxford Managment (out of New York) keeps calling me for a debt that is not mine, but they have my address and phone number. I have sent a certified letter telling them not to contact me, but they still call, even after talking to a supervisor.

Do I have any recourse?

2007-12-27 09:14:00 · 2 answers · asked by Bryan I 1

I know you can call a creditor and ask them to re-age your account so any lates/ past dues won't show. But does anyone know which companies(creditors) will Re-Age, and which won't????? Does Capital One??

2007-12-27 08:42:39 · 1 answers · asked by Keyosha W 1

I haven't payed a libary fee could that get me bad credit?

2007-12-27 08:24:46 · 7 answers · asked by mame3900 1

I recently paid off all of my credit cards and thought that I was credit card debt free. However, I have a credit card that I am still accruing a $10 monthly fee, I have called the credit card company and asked if they can remove this but they said no. The only way for this charge to stop accruing is the close out the account. Would closing out this account hurt my FICO score? Should I close this account out?

2007-12-27 07:43:01 · 3 answers · asked by Serita R 1

2007-12-27 07:13:52 · 5 answers · asked by pappa smurf 1

2007-12-27 06:05:07 · 34 answers · asked by mtmays1 1

I just looked at my credit report and I don't like what I saw. I am 23 and I knew that when I was younger (18-20) I was not the most responsible person in the world. I want to buy a house in the next couple of years so I know I need to start trying to repair my credit report. What are good ways to rebuild your credit?

Thanks for your help.

2007-12-27 04:30:50 · 7 answers · asked by Anonymous

2007-12-27 04:22:48 · 10 answers · asked by tonyam229 1

Due to some major past credit issues, and collections, I have recently thought about a Chapter 7 BK. I have gotten my equifax score up by getting negetive items removed, but I still owe them,. And on my TU and EX credit reports, they all still show and my scores are horrible. I have about 10 grand in total debt to file on. Should I just bite the bullet and do a BK?

2007-12-27 03:56:14 · 13 answers · asked by Jameson 2

I have initially found that it is difficult to find a list of lenders. I'm specificly looking for auto lenders. Any help?

2007-12-27 03:18:18 · 1 answers · asked by Eric K 1

I got a $100 gift card from Kohls for Christmas and my mother accedentally threw it into the fire. My brother and sister also got them however they still have theirs and my question is, can we void all three? My mom thinks we can but I'm not so sure. Real answers please, not just answers for points.

2007-12-27 01:51:35 · 13 answers · asked by shannon 2

So my husband and I have a Capital One card that has either 1% or 2% back on all purchases, and then 25% back at the end of the year on your accumulated cash back at that time (in october sometime). We are also living paycheck to paycheck, so when bills are due, I have to wait usually until the last day to pay and then pay online with debit card so I know when the payments will go through, etc. My question is 1) can I just pay all my bills (gas, electric, cable, plus other credit cards-circuit city and menards) and just pay it all off on the due date- 21 of every month? Question 2) how will this effect my credit- my limit is $2500 as of late and my bills equal about $750 for what I would be charging on the card.
Also, I am very good at budgeting, I record all my finances, debts, loans, every penny, through Quicken, so please no "be careful with credit cards..."- all of my other card payments are done on no interest for X amount of time.
Thanks again- and happy early new year!

2007-12-27 01:31:39 · 3 answers · asked by A K 4

I lost my bank card a few days ago and they have sent me a new one. I wrote my signature on the bank but the ink ran a little so it looks messy. Does this matter? Plus, I need to activate my card but I don't how to do it. Thanks

2007-12-27 00:20:08 · 21 answers · asked by ♥frodo_covcity♥ 2

A close friend of mine had been living w/her b/f for over 1 yr; they decided to purchase a Rent-To-Own couch-under her name. His credit wasn't as good as hers, and signed a written agreement that if they split, he would be held liable with payments-$ owed-on the couch. She's not sure whether she should've put it under her name b/c she's worried in worst case scenario, he stops paying and her credit gets ruined. Is there any way in which she can protect herself?

2007-12-26 17:55:41 · 6 answers · asked by princess_83 3

or do i need to apply for any special credit cards which i can use both in INDIA and U.S.A..................

2007-12-26 16:25:36 · 14 answers · asked by vittal 1

are there any government or any lenders that would allow you to use your patent as collateral on a loan

2007-12-26 14:45:00 · 2 answers · asked by Ray S 2

2007-12-26 12:10:06 · 13 answers · asked by amey~leigh 3

http://microbillsys.com/ dats the copanny what can i do

2007-12-26 12:09:43 · 11 answers · asked by kleinmoir 1

At this moment we're experiencing to much charges of interest which is almost double of the amount we've purchased. We noticed that the due amount dectated in the statement of account about to be settled only goes to the interest and the pricnipal left the same.

2007-12-26 12:03:08 · 2 answers · asked by Ding O. Maravillas 1

do you have to pay for it? can someone tell me everything about it, and if it's even worth it?

2007-12-26 11:45:47 · 1 answers · asked by Anonymous

I took out a student loan that was actually a personal loan from a College but wasn’t responsible enough to pay it on time so therefore it went to collections. I doubt this is possible but do you guys have any idea if I could write a letter of “Pay for Delete” to the CA (Immediate Credit Recovery) despite the fact that I already paid?

2007-12-26 11:44:13 · 4 answers · asked by ezreps 2

All I know for sure is that it was used to get food stamps in another state. I am terrified what else may have been done. Can anyone tell me what I can do? I definately cant travel to another state BTW I am disabled.

2007-12-26 10:52:11 · 12 answers · asked by Anonymous

2007-12-26 10:34:06 · 6 answers · asked by openupfresh 1

Is it possible to have a federal student loan that’s been charged off but paid off in full removed off my credit if it’s been over 7 years?

2007-12-26 10:23:12 · 6 answers · asked by ezreps 2

Can they take vehicles, house and tax return?

2007-12-26 10:12:54 · 4 answers · asked by sblnde26 1