credit to get stuff?

Question

how do you get credit like when your right at or get enought to get credit cards and stuff

Answer 1

If you want a good deal, and to build up your credit sommore. Go to your bank, where your checking account is. Its like going to a friend (your bank) to ask for money VS. going to a complete stranger (credit card compiny) to barowo a few buck till pay day. Plus if you ever over draw your checking account, your bank will automaicly take the funds from your bank credit card, and the fee will be alot smaller then an overdraft charge. SO UMM HOOK IT UP WIT SUM POINTS MAN dis is good stuff

Answer 2

Using credit to get stuff? - stupid, stupid, stupid!

Whether you carry a balance or not, everything you buy on credit costs more (you will probably pay an annual fee, right?!) Your best bet is to put money in savings and pay cash (or use a check card that is linked directly to your checking account) for the stuff you want. This way, you never have to worry about going to the mailbox and getting your credit card bill and then worry about how you're going to pay it!

The only thing credit cards do is allow you to spend money you don't have - and if you don't have it now, where's the money going to come from when the bill comes in?

BTW - if you have over $10,000 in savings, your credit score won't matter when you go to apply for your home mortgage (the only thing you should ever borrow money for, because they tend to appreciate in value). Your credit score just shows lenders how well you handle your finances and large amounts in savings shows them that you don't spend every penny you make (and more, with credit cards).

Answer 3

Check your credit score regularly, and dispute incorrect information. I am assuming that you have never had anything on credit. First step is to stay with the same employer for at least six months before applying for anything. Most creditors I've dealt with like for you to have a checking account that has been open for awhile, too. Start small. Apply for one or two credit cards, and do not spend more than 1/2 the credit limit. Pay it off monthly, or make regular monthly payments for more than required. For more tips, check out www.truecredit.com

Answer 4

First check your fico score to see where you stand-after that get a MasterCard or visa make your payments and DO NOT get department store credit cards-they can ruin your credit quickly by buying junk at high interest rates-good-luck!